hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX  at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked. 
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again. 
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable. 
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX  XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX. 
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package. 
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.

Complaint:
This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification for verification purposes only. On XX/XX/XXXX XXXX XXXX noticed a deceptive and suspicious account listed on the consumer credit file ( please see attached consumer file ). The account refers to Paragon Revenue Group a dba of Jon Barry and Associates Inc, with an account balance owed of {$2500.00}. XXXX XXXX has done NO business, has NO agreement, nor any account with Paragon Revenue Group a dba of Jon Barry and Associates Inc. XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a cease and desist letter ( see attached Paragon C & D ), which was delivered on XX/XX/XXXX ( see attached USPS delivery confirmation ). In attempts to collect on this ALLEGED debt, Paragon Revenue Group a dba of Jon Barry and Associates Inc has compromised the identity, violated the privacy, defamed the reputation, and affected the credit worthiness of XXXX XXXX. Even with a cease and desist in place, Paragon Revenue Group a dba of Jon Barry and Associates Inc continues to communicate with, harass, and abuse XXXX XXXX by accessing the consumer files of XXXX XXXX under deceptive and fraudulent pretenses. Paragon Revenue Group a dba of Jon Barry and Associates Inc accessed the consumer files of XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached Unauthorized Access ). XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a notarized Affidavit attesting to the facts listed herein, along with a notice of opportunity to cure for the injuries caused by its abusive debt collection practices ( see attached Paragon AOT ) ( see attached Paragon civil liability ). Paragon Revenue Group a dba of Jon Barry and Associates Inc received said affidavit and notice on XX/XX/XXXX ( see attached delivery confirmation ). Paragon Revenue Group a dba of Jon Barry and Associates Inc has refused to submit payment for damages caused to XXXX XXXX or rebut the sworn statement of facts with an opposing sworn statement of facts. Paragon Revenue Group a dba of Jon Barry and Associates Inc has in fact mailed XXXX XXXX a letter dated XX/XX/XXXX admitting to breaching the privacy of XXXX XXXX by disclosing nonpublic personal information to 3 consumer reporting agencies ( see attached Paragon admittance letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 Far CredIt Reporting act. The List of accounts below has

Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

# XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Illinois Child Support, # XXXX XXXXXXXX XXXX # XXXX XXXX, # XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-05-11
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:
According to FCRA LAWS 15 U.S CODE & 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg 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 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION

Complaint:
A collision has occurred ( see attached ) and the vehicle owner also as the cardholder called XXXX to tow the vehicle. XXXX dispatch called XXXX confirming XXXX of their partners responded to the scene and is only XXXX blocks away. For some reason, XXXX XXXX show up, purportedly claiming as the XXXX partner, but dropped off my vehicle into their tow yard instead of the place I wanted. XXXX dispatch called back at XXXX AM claiming they can not find me or my vehicle, then I realized XXXX XXXX had unauthorizedly towed my car without my consent, they demanded payment before they can release my vehicle, I provided them the card to charge, but wrote : " refused to sign ''. Once I have retrieved my car, XXXX local dispatch was contacted at XXXX AM ( see attached ), and XXXX finally towed my car to the right place because XXXX XXXX does not even have my consent to tow my car in the first place. Now when I dispute the charge, the card issuer required me to get a credit receipt, how could I get a credit receipt, if the receipt has been signed as " refused to sign ''?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my 2nd 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 accounts 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, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I pulled my credit report in XX/XX/XXXX, rather Experian sent it to me in XXXX, XXXX at no time on the report sent to me by Experian did there note nor was there indicated a repossession on my credit file, I went to purchase a vehicle in XXXX, XXXX and the dealer showed me my report they ran which also showed NO REPOSESSIONS on my credit report. I was denied based on credit utilization and told to get my balances down which I did ; I went yesterday to attempt to purchase the new vehicle again and now all of a sudden, XXXX  is listed a repossession on my credit file which was never there. I am now being denied based on a repo on my credit file. How can these credit unions get away with just inserted whatever they want on your credit with no oversight? This is ridiculous. They can't go back in time to XXXX and all of a sudden add a REPOSSESSION! How is this possible? Experian refuses to investigate this saying " well they said its accurate '' so despite me showing the report they sent me and the report from the dealer from XXXX and the report not where it wasn't there and now it is, no one will help me. Its absurd! I am also filing a complaint with the CFPB regarding Experian inability and unwillingness to look into the matter. I am also requesting a 100 word statement on my credit file describing the shady tactics. I feel my complaint to this office regarding another matter with XXXX reporting inaccurate information on an old account has prompted this vindictive and retaliatory action of all of a sudden inserting and changing along with backdating information. The statute of limitations on this debt has expired and should only be on file for " up to '' 7 years. XXXX is in violation of FCRA and FDCPA. Its ridiculous and unfair. You can seen the report Experian sent me from XX/XX/XXXX there is no REPO listed, you can then see the credit report ran by the dealer in XX/XX/XXXX again no repo listed, then in XX/XX/XXXX you can see all of a sudden Experian has listed a repo on my file that wasn't there previously and it goes back to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)

Complaint:
I disputed the debts and received bills. This is not sufficient validation.

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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.

Complaint:
I received a bill from you on XX/XX/2020 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance Corp.

Complaint:
I called the company ( Exeter Finance ) about sending me supporting documents as to the balance owed in writing specifically, I was told they would be sending that information to me. I have not received anything nor any correspondence as to my request. On an entirely different request I requested the company apply more of my payment to the principle again I was told " they don't do that ''. I am trying to keep up with records and such so I may have good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2022-10-05
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:
cfpb complaint # XXXX Experian Is over the time of investigation, Experian responded with the start of investigation XXXX XXXX, 2022. Then XXXX2022 they responded again stating they were still working on my issue and reaching out to the alleged creditors/ furnishers of the reports that have no permission from me as the consumer to report private information, neither does Experian. It is now XXXX2022, Experian has had enough time to investigate. PLEASE REMOVE ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.

Complaint:
This company can not validate or verify that this debt is owed by me. I have no knowledge of this account. Address marker used with account isn't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I have an auto loan through Credit Acceptance. Today XX/XX/2022 they repossessed my vehicle with out sending a right to cure the vehicle. Im at a loss at what to do.

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 2017-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: EQUIFAX, INC.

Complaint:
9 inquires on my credit was not authorized. I tried to resolve the issue with Equifax and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation