hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX provided the name of XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.

Complaint:
I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION

Complaint:
M & T Bank is reporting to XXXX that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers

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 2019-03-18
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:
To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX, I did sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA

Complaint:
After graduating from college I went through a divorce and was in a financial position where I had no choice but to file a Chapter XXXX bankruptcy. During that time my student loans went into something, I believe deferment. To this day I do not understand exactly what happened but it is something called compounding. My original XXXX student loans were in the amount of {$29000.00} and {$5400.00}. My current balances are {$37000.00} and {$6900.00} respectfully. I do have XXXX other smaller loans for XXXX courses I took ( {$3400.00} and {$5800.00} ). To date I have paid back a total of {$120000.00}. The XXXX XXXX loans are to continue through XX/XX/2032. My XXXX payments are {$330.00} and {$62.00} totaling {$400.00}. By XX/XX/2032 I will have paid an additional {$72000.00} for total repayment of approximately {$200000.00} on loans that were originally {$35000.00} ( XXXX ) that is almost 6 times the original loan. I am not a numbers person and am grateful that I now have people, around me, in my professional life who can help figure this type of thing out. I have paid my original loan amount of {$35000.00} off several times at this point and I simply do not understanding how this compounding amounts to anything less than loan sharking by PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
THE FOLLOWING ACCOUNTS ARE FRUADULENT AND NEED TO BE REMOVED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Tower Loan of Mississippi, Inc.

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2017-03-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.

Complaint:
I have a parent plus loan with XXXX/Sallie Mae that my daughter neglected to pay. When I found out I started paying {$86.00} a month. Approx. 2 years ago, XXXX called me saying it was n't enough & I was just paying off the interest. I told them I could n't pay much more than that. They asked for {$120.00} a month. It was a struggle but I am paying that much monthly. Now they raised the amount to {$240.00} a month which I can not pay so I have been paying the {$120.00} a month instead but they do n't like it. They continually harass me by phone ( I have proof on my cell phone ) even though I am still paying & now they are charging me astronomical charges because I am not paying what they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/21, XXXX dollars was stolen from my XXXX bank of America account from an ATM. Its an ATM that I have never been to and they can see that in the transaction history. You can see for the last year I have only used XXXX ATMs. I would like the money to be refunded to my account. Someone must have stolen my card and pin number. I have since cancelled that card and received a new XXXX but they will not refund the {$680.00}. I called bank of america to dispute the claim and they said they would look at it. I recently received a letter saying the dispute was unable to be taken care of.

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 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA

Complaint:
There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC

Complaint:
My bill was due on XX/XX/XXXX. My card was over the limit by XXXX cents. The minimum payment due was {$41.00}. In an attempt to correct these issues, I made a mistake and paid {$40.00}. I was then charged {$30.00} for a late payment. I was charged {$30.00} because I was XXXX cents short of the minimum payment due. 
This SMALL error, because of the late fee and interest charges, caused me to then go over my limit by {$5.00}. 

Thinking that the company would understand the issue, I contacted customer service and asked to have the {$30.00} fee waived and even made an extra payment of {$35.00}. The young man that assisted me on that call was understanding and kind and apologetic about the inconvenience and submitted the request. 

I patiently waited a week to see if the refund had been processed and it had not. Upon looking today, almost 2 weeks later, I noticed that I still had not been refunded. I called customer service again and was told that the " back-office '' denied my request because my account was not 30 days or more overdue. 
I was denied a simple request to refund a {$30.00} fee for an XXXX cent error because I tried to rectify the situation in a fast and timely manner! That makes absolutely no sense and is a horrible business practice to have. 

When told this, I asked for a supervisor to escalate the issue, because this is an unfair and unacceptable business practice. I was transferred to another person who told me basically I knew the rules when I signed up for the card and there was nothing that could be done. 
I am absolutely flabbergasted and very upset that because of an XXXX cent error, that I lost {$30.00} of my hard-earned money. 

I have other credit cards with other companies such as XXXX XXXX and XXXX XXXX and have had fees waived for much larger issues and have never been denied with such a lame excuse. I may have a low credit score, but I am trying very hard to fix that and take financial responsibility. And to have {$30.00} STOLEN from me is a slap in the face. 

So, with the arrogant response of the 2nd person I spoke with today, I requested to talk to someone above this person. 

I was then " mockingly '' told that I would have to wait 24-48 hours for a " supervisor '' to call me back. 

Completely unacceptable and unfair business practices if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
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: EQUIFAX, INC.

Complaint:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX all was ask to remove inquiries. Called multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc

Complaint:
Unauthorized atm withdrawal from a XXXX XXXX ATM for {$170.00}. I did not use an atm in XXXX XXXX or take out {$170.00} on XXXX XXXX. Ive contacted CHIME and was told to wait until it settles completely before they can start a dispute and are unsure if Ill be getting my funds back from this FRAUDULENT transaction. I am very worried that I would not be able to recover my stolen funds. Please assist! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..

Company response to consumer: Closed with explanation