hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES

Complaint:
In efforts to have made payments on my student loans and having a degree that I can not use, I would like to petition my student loan debt. 

Having attempted several different times to take care of the student loan debt I incurred to obtain a degree I can not use, I am petitioning to have my student loans cancelled, forgiven, and or discharged. 

It is my understanding that XXXX has been under investigation for several issued and I believe that XXXX not only failed to provide proper counselling to me on the student loan debt I incurred but that they also contributed to the amount I owe by charging loans to me that I did not authorize. I am seeking relief from this debt as I have been unable to pay due to the many factors I explained above. 

The reason it has taken me so long to reach out for more help is my father XXXX XXXX in XX/XX/XXXX and at the age of XXXX, I no longer had a home and moved back to my home state to try and survive and as a young adult I had no idea where to turn on this matter. My aunt has now helped me do research and try to see what we can do to resolve this situation. 

I received grants, scholarship money and educational assistance money that was paid to me from the Department of Veteran Affairs and I paid to the school. As you see my XXXX contract it states the most my XXXX degree would be was {$46000.00} and this amount was before my grants, scholarship loans and educational access money from the Department of Veteran Affairs. When I graduated XXXX sent me a letter dated XX/XX/XXXX that I had approximately {$15000.00} in Subsidized Loans and {$24000.00} in Unsubsidized Loans with a total being {$39000.00}. It appears that loans was taken out when I did not need them and that none of my money was applied. My loans was supposed to be consolidated but yet I still get bills from multiple places and the total is over {$100000.00}. I have read many articles that XXXX would take out loans under the students names to pay the schools debt. The school is closed so I am not able to get any of my records besides the ones I have included. 

Your assistance and help resolving this matter will be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/2018 I sent a dispute involving Identity theft to the three major credit reporting agencies via mail and I have heard nor seen anything in correspondence towards resolving this situation. I have been a victim once and feel as if the same problem will haunt me and my personal progression in life.

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 2021-12-16
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: United PanAm Financial Corp.

Complaint:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : -U S DEPT OF ED/GSL/ATL # XXXX -U S DEPT OF ED/GSL/ATL # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
some how since XXXX of 2022 trans union erased my credit score i contact them many times they claim that they never had any score or credit history on my name i told them before XXXX every month my mortgage and credit cards and car leasing was reported ther so they told i need to call the banks to tell them that they need to retort it so i called them and they told me that they doing it every month for the last 20 plus years on my name. i will send you my also credit report that trans union have my score and all my loans, please help me here cause im getting denied on loans. 
thanks

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 2018-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.

Complaint:
This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?

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 2020-03-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA

Complaint:
On or about XX/XX/XXXX Fedloan Servicing inappropriately sent my account into default. We had sporadically been late or had fallen behind due to a serious medical condition, but were told by Fedloan after multiple calls we were still in good standing. Around that time the Dept. of Education ( DOE ) notified me that I had to go through a loan rehabilitation due to reporting from Fedloan. We reluctantly agreed to and entered the rehab XX/XX/XXXX and successfully completed the program XX/XX/XXXX. During this time, our mutually agreed payment was being remitted to the DOE since no other instruction was given during this time to change payment elsewhere. After many hours of corresponding with the DOE and Fedoan I discovered the DOE would forward the payment every 3 months to Fedloan. During the entirety of the loan rehab and up until today, Fedloan has been sending negative damaging information to all credit reporting bureaus due to an ongoing administrative error on their part. This has caused extreme financial hardship to me and and my family to the point that it has essentially ruined our lives. This company is extremely difficult to contact and work with to try to settle the dispute. I have spent hundreds of hours on the phone, online, direct mailings and filing dispute forms as well as providing proof of timely payment to them or the DOE. The most recent dispute was filed several weeks ago with once again no response. This company has the worst customer service I have ever experienced. I will furnish all supporting documentation upon request. I will not waste more time proving my compliance to the loan conditions that the DOE and Fedloan had set forth until I have assurance this forum is real and intend to pursue this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: PENTAGON FEDERAL CREDIT UNION

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : PENTAGON Date of inquiry XX/XX/2021

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 2019-12-24
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: EQUIFAX, INC.

Complaint:
To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I sent numerous letters to the credit bureaus, creditors, and collection companies starting back from XXXX up till now. They violated my federal consumer laws. According to 15 usc 1681b ( a ) ( 2 ) it states In accordance with the written instructions of the consumer to whom it relates. Meaning i have to give them written premission to report this to my consumer report and i didnt. Some letters i sent certified mail and transunion simply decline my letter .I jus want them to know that im not working with a credit repair company i am the natural person, and online educaution is free now and days and please dnt asulat me againn

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-08-21
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. 

The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. 

I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). 

All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.

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 2020-02-13
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:
I have attached supporting documents for this identity theft claim. I would want the accounts removed and blocked because they are fraudulent and do not belong to me.

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 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES

Complaint:
I lived in XXXX XXXX at my parents house the utilities were never in my name I never received any bill or comuncation from them this was about 6 years ago

Company response to consumer: Closed with explanation