hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.

Complaint:
Hello, I have a student loan that is open since 1999. Two months ago Navient took over servicing the account. They are now reporting the account as open two months, which dropped my credit score. I called Navient and was told that I have to send a copy of all three credit reports to their Dispute address. There was no person to talk to on the phone. 

In the last 5 years multiple companies have serviced my loan including XXXX and XXXX. Neither of which misreported the date that my student loan opened. 

I've sent a copy of all three credit reports to my Navient 's address. I included a printout of the Sallie Mae overview of my student loans - which clearly state that the account opened in 1999. 

What else am I supposed to do? How long do I have to wait to get this problem corrected? More importantly, why is the burden on me to run around and correct the problem. The Navient person told me on the telephone that she could see that the account initiated in 1999!! This company should be held accountable. 

Also, I called one of the reporting agencies directly ( XXXX ), the person on the telephone told me that I don't have any accounts open with Navient! So I have no idea what name they are reporting under.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.

Complaint:
GM Financial is incorrectly reporting late payments from  XX/XX/XXXX  to XX/XX/XXXX  on an account/loan that I paid off in XX/XX/XXXX to  XXXX . This has lowered my credit score by  XXXX  points from a good score to a " fair '' score which is preventing me from obtaining credit. I called GM Financial on  XX/XX/XXXX  @   XXXX   CST and explained to   XXXX   ( Employee ID #  XXXX  ) and she offered no help to fix problem. I called GM Financial once again @  XXXX  CST and spoke to  XXXX  ( Employee ID #  XXXX  ) in hopes to get someone to help me, and she offered no help as well and told me to have my attorney contact them. GM Financial is reporting that I had  16 - 30-day late payments, and 4 - 60 day late payments which is totally inaccurate. I only had 6 - 30 day  late paymen ts, and 2 - 60 da y late payments that were between  XXXX  -  XXXX . I completely paid-off my balance in XX/XX/XXXX which closed my account in  XX/XX/XXXX in good standing. And now GM Financial is reporting derogatory late payments from XX/XX/XXXX  to XX/XX/XXXX  in years that I did not, and do not even have an open account/loan with GM ; furthermore, they will not correct it. GM Financial is destroying my credit score for no reason and refuses to correct their mistake. GM Financial is blaming the mistakes on   XXXX   and refuses to correct. I attached the  XXXX  credit report showing these errors. I also attached the  XXXX  credit report which is accurate and shows that I paid off loan in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I, XXXX XXXX XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ), 16 CFR 433.1 ( b ) and 12 CFR 1005.2 ( b ) ( e ).

I have been scammed for {$10000.00} that was transferred via Bank of America zelle to the scammer, the scammer stopped answering my phone calls and text after receiving the funds. I have filed Claim # XXXX, XXXX and XXXX with Bank Of America to help me recover the funds. 

Bank of America shortly after, closed my claim that told me that they are unable to help me. Bank of America is XXXX of the founders of XXXX. I am really on my last dime, I need that money. 
I need help recovering those funds. The XXXX XXXX XXXX is protecting electronic transfer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.

Complaint:
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP

Complaint:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with Honda Financial Services and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to Honda Financial Services and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There are several account billing errors with XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2019 i checked my credit score through my credit unions free monitoring system with transunion. The last time i checked it was on XX/XX/2019 it was XXXX. Today it has dropped to XXXX. I BORROWED THOUSANDS OF $ TO PAY OFF MY CREDIT CARD DEBTS. I HAVE NO OPEN ACCOUNTS. NOW THIS COMPANY IS PLAYING GOD TO DECIDE THAT THEY CAN COMPLETELY WIPE OUT MY EXCELLENT CREDIT & PENALIZE ME BECAUSE I AM NOT OPENING MORE DEBT. WHEN I CALLED TRANSUNION I COULD NOT EVEN UNDERSTAND THE CS AGENT. HER ACCENT PREVENTED ME FROM ASKING A SIMPLE? I WAS TRANSFERED TO A MNG WHO I STILL COULD NOT UNDERSTAND. ALL I ASKED WAS WHO HAD THE AUTHORITY TO DROP MY CREDIT SCORE, SHE SAID THE SYSTEM DECIDED SINCE I DID NOT HAVE ANY OPEN ACCTS. MY SCORE WAS LOWERED. SO ALL MY 20 YRS. OF PERFECT FAITHFUL PAYING OF THOUSANDS OF DOLLARS IN STUDENT LOANS & CREDIT CARDS MEANS  NOTHING? I WANT THIS EVIL PERPETRATED AGAINST HONES HARD WORKING AMERICAN CITIZENS STOPPED. I WAS NEVER LATE ON ONE BILL AND THIS COMPANY IS NOT GOD. THEY HAVE NO AUTHORITY TO RUIN MY CREDIT SCORE, BECAUSE I AM NOT PLAYING THEIR EVIL GAME OF DEBT. HELP ME AND EVERY OTHER HONEST AMERICAN WHO PAID OFF THEIR DEBTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I sent a letter on XX/XX/22 to XXXX and Equifax to remove inaccurate accounts that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.

Complaint:
Per 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. 

I have not given any written instructions to XXXX, XXXX  or XXXX to furnish a consumer report with the Department of Education/ Navient . This is a violation of my consumer right to privacy. 

I am requesting this be deleted from my consumer report immediately. 

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for Navient to be deleted from all 3 agencys, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION

Complaint:
Hi, On XX/XX/2019, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 

10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have a fraudulent account on my report and there is no way to contact XXXX about this. 

XXXX  will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Randolph, Boyd, Cherry and Vaughan

Complaint:
I was not properly served notice of a suit that has been filed against me. This law office acting as a collection company has no legal bases to sue me. I have no contract with them. I regularly check the court records online to ensure that there are no cases against me and this was how I found out. This company did not properly serve me. I have also noticed that there is a completely different company ( XXXX XXXX XXXX ) on my credit report filing negative information for this same account. I have submitted a debt verification affidavit ( via certified mail ) over 21 days ago and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY

Complaint:
My accounts are always been charged fee 's. It taking all of my social security check each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

Company response to consumer: In progress
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Company Name XXXX Type Bank Date Inquired XXXX XXXXthey sgreed to remove but have not removed feom transunion yet .need remobed asap this was fraudulent due to deo error in stolen data. 
Fraudulent. XXXX had my info compromised. I did not do it credit one agreed to remove. Transunion had failed to remove. 
Also Company Name XXXX/XXXX  Type Bank Date Inquired XX/XX/2021 Also fraudulent. XXXX had my personal info stolen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint:
I am a recent victim of Hurricane XXXX, and this trade is negatively impacting me from getting the assistance that I need. My loan status is current as of this date and I need it to reflect that on my CRAs. I can not wait until the end of the month. This is a time sensitive matter. Also, the 60 day late marker needs to be removed. With my recent account maintenance, I am no longer reflecting alte for XXXX and XXXX. Please have this updated on all CRAs immediately. Thank you.

Company response to consumer: Closed with non-monetary relief