hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION

Complaint:
I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University 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 explanation
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC

Complaint:
Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc

Complaint:
I had a fraudulent/scam situation whereas the person of interest has a Chime Bank account XXXX They took {$90.00} to cover a partial rent. After I found out the place that was supposedly for rent was not available, so I filed a complaint against two money transfer account. XXXX with XXXX XXXX who launched an investigation and Chime. Chime on other hand cannon recoup the {$90.00} but made me upset that Im dead set closing this account for handling fraudulent and scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1100.00}

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 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC

Complaint:
Global payments inc. Is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking whats going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be looked into. They offered 6 months credit but that's it. Us not canceling? ( I did ), does not justify not following up with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, Transunion, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these addresses are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.

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 2023-02-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 explanation
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
I have used the American Express XXXX XXXX Back card for about 10 years. Over that time, I built up substantial rewards, about {$1200.00}. 

Over the course of the last 3 months, I have tried mightily to redeem this amount. I have spoken with customer service 8 times over the last 3 months, with each call lasting over half an hour. 

Every time we speak, they say they will issue the credit without any problem. And every time they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc.

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-09-28
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/XXXX Capital One notified me that a hard inquiry had been placed on my credit report. I put a freeze on my XXXX and XXXX report. Then a few days later Capital One called to ask about my recent credit card application and I told them I did not request a credit card and that it was fraud. 

Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX about a credit card being opened in my name and I also told them it was fraud. Today on XX/XX/XXXX I froze my XXXX redit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC

Complaint:
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

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 2018-07-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting a past due balance from a credit card company. The credit card company did not notify me of a past due balance. I have no other late payments with any other companies. The other 2 credit burrows have removed this issue from my credit. Experian is a terrible company and someone needs to do something about there in ethical lazy appreciate to dealing with issues.

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 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc.

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2021-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.

Complaint:
I bought the car from dealer and the car had some issues, I was promised that they will take care of it and months go by no action ever taken. I called them to pick up the car because it was getting worst after three weeks they pick up the car and when I went to talk the dealer they wanted me to pay for a car that they have and already sold to somebody else and I told them I'm not doing that I thought they were fixing it so i can have a reliable transportation instead they sent me to the credit bureau. I tried to get it resolved with the dealer and the dealer is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm filing this complaint because of certain false accounts I discovered on my credit report. XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.

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 2023-01-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with Experian and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

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