hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I have sent XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: JPMORGAN CHASE & CO.

Complaint:
Information on a AARP Chase Bank - I requested a credit line increase. Chase reports incorrect information on my record. I have contacted XXXX XXXX. This is a critical report that was created by Chase to deny an increase in line of credit. The stated " The reporting agency played no part in our decision and is unable to supply specific reasons why you have been denied credit to you. '' I am a XXXX-year old senior and have never had a problem with my credit. Recently I applied for a {$15000.00} loan and it was approved. I call this discrimination against a senior citizen> Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Experian Information Solutions 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 602 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 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 2023-05-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

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 2023-05-23
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:
This inquiry is fraud. This is in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquired on XX/XX/2022

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 2020-05-14
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: EQUIFAX, INC.

Complaint:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In XXXXXXXX XXXX  2020, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world  cause me to missed a payment on my capital one credit card in XXXXXXXX XXXX 2020. I didn't know i was penalized on my credit report for this late, I tried calling capital one today to have this removed and they refused to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
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:
I noticed multiple inquries on my credit report with all XXXX bureaus ( XXXX, Transunion & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from 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 2022-11-16
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: Experian Information Solutions 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
In accordance with the Fair Credit Reporting act I.C System In 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 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 2021-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
Several times I reach out to Equifax to dispute or update information and I get the response you will see below. I have sent in the items plus additional proof they ask for several times but to no avail. Meanwhile Im not able to view or correct any inaccuracies on my file. After yet again trying to make a dispute ( based off what I see from a few credit apps I use ) I get the same response from Equifax. I received the bottom notice after trying for second time to dispute an inquiry from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc.

Complaint:
I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from Experian, XXXX and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # 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 2020-08-15
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:
Hello, I have been contacting XXXX, Transunion and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number 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 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION

Complaint:
I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.

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 2020-07-01
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, XXXX  XXXX, Experian late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

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 2023-08-19
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.

Complaint:
I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: DISCOVER BANK

Complaint:
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX

Company response to consumer: Closed with non-monetary relief