hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: CCS Financial Services, Inc.

Complaint:
In accordance with the fair credit US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.

604 a section 2. Also state a consumer reporting agency can not furnish your account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Collection Bureau

Complaint:
On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.

Complaint:
OnXX/XX/XXXX I applied for a total and XXXX XXXX   Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX  to be discharged. The said it would be reported at the end of the month to all three credit companys as, paid in full closed. At the time I applied for discharge my loans were current, and in good standing on all there of my credit reports. NelNet reported on XX/XX/XXXX a increased balance on my credit reports of a total of XXXX in student loans. Not only did they not close, the accounts and report them as paid, they tranfered the loans to another part of NelNet that handles the discharge for the XXXX XXXX XXXX XXXXXXXX. So now on all my credit reports it shows I have loans with NELNET/XXXX it also shows Nelnet XXXX XXXX XXXX XXXX. So its double accounts dropping my credit score 167 points. I got denied housing becuase high balance of student loans. I am XXXX, and about ready to be homeless. I spoke with XXXX through email I called both parts of NELNET and they said it was suppose to be reported as, paid and closed with XXXX balance. I got my letter of discharge, and everytime I call I get the same response your loans have been closed with Nelnet and we report at the end of the month to the credit companys. We will report the accounts as, paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL

Complaint:
I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for 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 explanation
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.

Complaint:
The information this debt collection agency is claiming to be mine is not accurate information.

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 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA

Complaint:
Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF application and has listed only 1 of 119 qualifying payments. This is impossible. I have a credit score of XXXX. I would love some advocacy if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.

Complaint:
I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.

Complaint:
It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B

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 2023-07-10
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-06-30
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our Wells Fargo joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank Wells Fargo still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX XXXX and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and Wells Fargo bank did not care about the law!!

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 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC

Complaint:
On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

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 2023-02-10
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:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX 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 and 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 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 2022-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY

Complaint:
XX/XX/2022. I received a letter/statement that someone tried to open a bank account to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2022-03-22
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: General Motors Financial Company, Inc.

Complaint:
I made a settlement agreement with GM Financial. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. GM Financial has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or GM even after uploading proof documents to experian

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.

Complaint:
I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX

Company response to consumer: Closed with explanation