hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-03-03
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: CORELOGIC INC

Complaint:
A credit provider ran my credit for a home loan without my consent.

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 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY

Complaint:
I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months. 

I need to defer payments for six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: EQUIFAX, INC.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
My bill was due on XX/XX/XXXX and the bill was paid on that date and they charged a late fee because it wasnt a paid by XXXX. Right now with this pandemic I dont know if I am going or coming how do they get to charge a {$25.00} late fee for not even being a day late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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 Crefit Reporting Act XXXX the accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX. 

Please remove XXXX XXXXXXXX inquiries as the account has already been removed. 

Please update XXXX account that was open on XXXX XXXX to XXXX percent payment history. This account has never had a late payment.

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 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I sent letters to Equifax on XX/XX/2020 and XX/XX/2020 about an inaccurate XXXX account and unauthorized inquiries that are on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 6 months these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I have already filed a FTC report. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: EQUIFAX, INC.

Complaint:
I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

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 2020-03-26
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:
Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

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 2022-12-18
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 2018-11-26
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 writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2019-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
This is a continuation of the complaint i have already made through the CFPB - case number XXXX I contacted XXXX from Fedloan XXXX as she was assigned to my case after submitting a formal complaint to the US department of education. She is in charge of obtaining my promissory note and reviewing my interest rates as I have received previous documentation stating my interest rate was higher then the fixed amount. I sent her an email requesting to have a discussion regarding my repayment terms now that they have been changed to 120 months- to find out what my payments would be, how much my loan amount would be reduced etc. 
She called me on XX/XX/XXXX I informed her of the response I received from the CFPB regarding change in payment terms. She stated that typically the 120 months would start in XX/XX/XXXX, stating that my previous XXXX years of payments under the standard repayment plan ( I have paid several hundred dollars more then the actual amount in an attempt to pay it off faster ) would not go towards the 120 months. I questioned her on this because this was FRAUDULENT behavior on the part of Fedloan. My terms from the beginning should have been 120 months ( per US department of education guidelines which they state they follow ). 
Now that I caught them and made the formal complaint I CAN NOW RECEIVE THE CORRECT TERMS??? If that is the case FEDLOAN is continuing to DEFRAUD ME. She then informed me that my loan accrues {$15.00} in interest per day, approximately {$480.00} a month- approximately {$5700.00} a year. THIS IS COMPLETELY INCORRECT. My XXXX XXXX states my student loan interest received by lender is {$10000.00} over the past year. If FEDLOAN doesn't credit me for the months I have paid ( started paying my loan XX/XX/XXXX under the standard repayment plan ) which is XXXX years of payments they are now defrauding me of approximately {$27000.00} or MORE. 

Yesterday- XX/XX/XXXX I received my new repayment terms and they were 120 months starting XX/XX/XXXX. I refuse to allow Fedloan to continue to act in corrupt ways and take advantage of me which is why I decided to submit another formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name 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 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 2023-06-28
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:
In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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 did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and XX/XX/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 2020-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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 been violated for almost 2 years, Equifax, XXXX, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a XXXX XXXX. I demand a {$1000.00} violation for Equifax, XXXX, and XXXX for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

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