hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
I submitted complaint # XXXX with the CFPB on XX/XX/XXXX on NMAC regarding an erroneous repossession. That issue is still being resolved. They offered to reduce my payment by extending my loan, make 2 payments to get me current, and waive all late fees due on the account. I received a follow up voicemail on XX/XX/XXXX around XXXX from XXXX ( one of the managers that is trying to help me ). He stated they are still waiting on my updated contract to be processed ( this was offered as a result of the aforementioned complaint # ).
<P/>
The next evening XX/XX/XXXX, I got a call from NMAC at XXXX, which is in violation of FDCPA laws and protection. " XXXX XXXX '' ( her business name ) called and I asked to speak with her manager. She transferred me to " XXXX XXXX '' ( his business name ). I told him about my situation and he validated in the notes. He confirmed all late fees were gone and that they received my {$410.00} on XX/XX/XXXX, which was n't due untilXX/XX/XXXX. He also stated that they did not have my paperwork ; I advised him of the voicemail I 'd gotten the day before stating they were still processing the new contract. My funds did n't process, since my payment amount has still not been corrected. However, I ca n't speak for why the call was placed after XXXX.
<P/>
I contacted the CFPB again on XX/XX/XXXX to advise of the late collection call. I was advised to submit a new complaint and that I could n't " add on '' to my existing complaint. I do n't want to have to deal with Nissan 's aggressive collection tactics, especially if I am the one reaching out for help, or in this case I 'm finally current. I do n't like dealing with offshores agents that are allowed to provide fake " business '' names. I only want the manager XXXX or his boss ( I think her name is XXXX ) handling my account. He is the only one that is following up or watching the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
I would like to file a complaint with XXXX and Transunion. XXXX  is reporting two bankruptcies on my credit file and I requested for XXXX to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with XXXX at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that XXXX  claims that they called is actually a disconnected number on my credit report. I would also like XXXX to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of XXXX XXXX or XXXX. I am asking XXXX for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with 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 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, Equifax, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PROFICIO FINANCIAL SERVICES, LLC

Complaint:
Proficio financial services were asked of the contract binding me to the debt that all pro tree care tried to coerce me to pay a debt I dont owe. 
All XXXX XXXX XXXX  and Proficio financial services try to coerce me to pay for a debt I never agreed on. 
I filed Identity theft report with the us government because they are trying to coerce me to pay for the debt I dont owe. 
They are destroying my credit. 
I will be seeking a legal help from an attorney because they are ignoring my request to stop reporting this on my credit report. 
There is no agreement or contract binding me to the false debt. 
All they provide is an invoice that I never agreed on and I never acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.

Complaint:
I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ). 
Now my situation is different. I am on Social Security and scrambling to make ends meet. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.

Complaint:
FINAL ATTEMPT NEXT STEP TAKING IT TO COURT .. 

I SIGNED A 60 month term. 5 years XXXX $ monthly at 20.9 interest rate. For a XXXX XXXX XXXX. Price a little over 24k signed on XX/XX/XXXX. Here it is. XX/XX/XXXX with a balance a Little over 17k still really? I know I have been late but if u go back and look at payments history I paid over XXXX  $ to cover late fees. On top of that I was informed I differed 10 times of course I did the system was setting me up to fail. So now maturity date changed to XX/XX/XXXX. Now lets do the math XXXX including late fees we will be going way into late XXXX so in reality a 5 year contract turned into a 7 year contract. Even with 15 payments remaining at XXXX $ MONTHLY. INCLUDE ALL LATE PAYMENTS INCLUDE PAST DUE PAYMENTS. IT STILL ADDS UP XXXX dollars BELOW XXXX what I supposedly still owe do the math

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Last XX/XX/2018, I sent a letter to XXXX including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

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 2020-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Collection Systems, Inc.

Complaint:
I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. 
I didnt know I owed a balance of {$550.00} until later. 
The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. 
While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. 

I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and  basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n 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 non-monetary relief
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC

Complaint:
This is a complaint against Ability Recovery Services located in XXXX, PA. This company has continuously disregarded my consumer rights under the Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental worry. For starters, they're reporting a wrong & unverifiable account on my credit report and not to mention an account in which I've requested for evidence of claim and which they were not able to furnish, per the FCRA & FDCPA. In spite of my endeavors to fix this unfortunate problem for quite a few months now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ability Recovery has completely dismissed my communications and multiple requests to delete this mistaken information from my credit report. This company 's negligent conduct has caused lots of great harm, not only to my capacity to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me. I really appreciate your time and guidance in this matter and hope to hear from you very soon.

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 2018-09-18
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: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2018, I submitted to Wells Fargo Dealer Services via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of these applications as requested in my letter. 

In my XX/XX/XXXX letter sent certified mail, I asked that if you were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, you chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or more consumer reporting agencies. 

Since you did not produce any evidence that I made the inquiry authorization, I demand that your unauthorized inquiries from my credit profiles are removed. Further, I also demand that you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc.

Complaint:
I set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Rocket Mortgage, LLC

Complaint:
REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with XXXX XXXX  XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department of Labor This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With International Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department of Labor. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In District Court Against Both Villas At XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Retention Consulting Services Inc.

Complaint:
Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!

Company response to consumer: Untimely response
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE

Complaint:
I took action on XX/XX/2023 to dispute the delinquency reported on my credit report because I paid the car off early. I paid off a 60 months loan in 22 months. 
My payments were {$130.00} a month and my last XXXX payments were {$4000.00} and {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
EQUIFAX INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST

Company response to consumer: Closed with explanation