hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.

Complaint:
I have received collecting letters from Convergent on behalf of XXXX for an apparent $ 5,000+ debt that is not mine. 
I have never been a XXXX customer. 
When I called both ( XXXX & Convergent ) they indicated that the account on their end had my name and social security information although the address was from Ohio. I live in XXXX XXXX and this is the only residence I have ( and always have had ). 
This debt, on collection, is not mine plus negatively impacts my credit report/score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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.

Account name : # XXXX Account name : # 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 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 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.

Complaint:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from Citi. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

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 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2017-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc.

Complaint:
I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC

Complaint:
Jefferson capital keeps trying to get to a bill that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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 filed a dispute with Experian for a collections account that has been placed on my credit report three times from XXXX XXXX XXXX because the account is fraud and is more than 10 years old, 2007 to be exact. When I disputed it the first time, Experian deleted it and then Experian immediately opened a second investigation because at that point, XXXX XXXX had placed the account on my report a second time, but today I received notice from Experian that " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. 

XXXX XXXX can not verify the account as accurate because it is fraud. This/these account ( s ) stems from XXXX XXXX charging me for utility services for an apartment that I sublet briefly in 2007!, sublet not rented, not leased in my name, and no utility legitimately opened in my name. I learned via a collection account placed on my credit report a year or two after subletting this apartment that XXXX XXXX allowed the tenant who was under lease for the apartment to connect utilities in my name and thereafter attached another fraudulently opened account open in my name for another apartment 5/6 years ago at an apartment where I did not live. This fraudulent account that XXXX XXXX is attempting to collect is not one stand alone account but in fact two fraudulent accounts that XXXX XXXX has combined and is attempting to collect. XXXX XXXX can not hold me responsible for utilities that were incurred as a result of fraudulent activity. The account charges are fraud. The first of the two fraudulent accounts stems back to 2007, thus is over 10 years old, and I don't know when they allowed the second to be opened, but it was 5/6 years go. The accounts are fraud and XXXX XXXX can not prove otherwise. 

Experian has repeatedly in the past removed this account that XXXX XXXX has sold to different collection agencies from my credit report because it is fraud ( and it is now over 10 years old ). Experian can not now claim that the information is verified as accurate when it's fraud. Just because someone has my name, ssn and birthdate doesn't mean the account they opened is a legitimate account ... that's why it's called identity theft.

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 2016-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial Corporation

Complaint:
I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings

Complaint:
I was contacted by IQ DATA and spoke with XXXX ext. XXXX. At the beginning of the call, XXXX was aggressive when I asked for account details and contact information. Once I expressed my concerns to XXXX, she adjusted her call technique temporarily. She took my financial information for the purpose of a hardship plan. I was placed on hold for an approval and offered me 2 payments for the full balance without anyone knowing this account existed. I questioned how that would be possible with the financial information I just provided to her. She became extremely aggressive and said she has loan companies she can put me in contact with to approve me for a loan to pay off this balance. I expressed to her that that was illegal, she could not offer to place me more into debt. She became extremely aggressive and expressed that she had been a collector for 20 years and other things. I asked for her to transfer me to her manager. She did and I spoke with XXXX ext. XXXX who represented herself as a manager. I ask her if she know what was going on with the account and asked her to move forward. She said I accused her employee of breaking the law and that I needed to tell her how and why because it affects her company and thats why all calls are recorded. I responded yes, but informed her to review the call as it was not my job to handle her compliance I wanted to resolve the debt. She demanded that I explain I continued to refuse. She screamed at me and refused to assist me in resolving the balance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: United Student Aid (USA) Funds

Complaint:
XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Navy Federal credit union has displayed XXXX XXXX XXXX discriminatory acts against me as a consumer and withheld access to my account doing so. This is disgusting & intolerable as I have all 7 recored calls of which I was deliberately hung up on for no reason whatsoever with disrespect and discrimination. Navy Federal has broken several federal violations and someone needs to be held accountable immediately On XX/XX/22 I contacted Navy Federal credit Union because I had no account access I then spoke to a representative who informed me that I would have to speak to a specialist due to my account having suspicious activity when I had not been notified by navy Federal credit union that there was any suspicious activity being done on my account, and she stated that there would be a 7min hold to speak to a specialist to assist me with this and I ended up being on hold for over 3 hours. When the specialist then came on the line she was very rude and disrespectful and did not resolve the issue at all and ended the call for no reason. I then had to call back and speak to another customer service rep who initially then tried to tell me that the last agent that I spoke with did not hang up one me, when she in-fact did hang up on me and tried to send back over and put me on another 3 hour hold without addressing the issue at hand so I asked to speak to a supervisor and the supervisor did not address the issue what so ever and hung up on me. I then had to call back for the third time only for them to hang up on me for absolutely no valid reason without resolving the issue. I feel as if I am being discriminated against because Navy Federal would not have treated their other customers in this manner. I have been in contact with the Navy Federal credit Union XXXX XXXX as well as XXXX XXXX XXXX to inform them what has been done to me. I still do not have any access to my account and am currently with out funds due to this

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 2019-01-27
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.

Complaint:
On XX/XX/XXXX I purchased 2 items on one order and was charged for those items on a XXXX credit card which is serviced by XXXX. The amount was {$500.00}. I was returning the smaller version of the same items and was credited for those items on XXXX. I made a payment in the amount of {$500.00} on XXXX which took into account the return plus the new purchase and I was close to payoff, essentially paid in advance for the new purchase. However, I was charged a second time with a higher charge at delivery date. 

I have learned that XXXX  XXXX  is a third source company. XXXX uses a second company for billing which reports charges to XXXX. I recently opened this card so it's taken time to understand and is confusing. Although XXXX shows the order placed on XX/XX/XXXX, they are not looking at the details as it's the same item but larger size. Ive sent statements and contacted both XXXX  and XXXX and XXXX is still reporting in error, XXXX  will not place on hold as now I have disputed this charge a second time as payment is due XX/XX/XXXX and I should owe nothing. No one is looking at the details supporting my claim because if they did it would show I don't owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
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: NAVY FEDERAL CREDIT UNION

Complaint:
XXXX  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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 XXXX, 2017 XXXX XXXX informed me that my Credit Card had been used fraudulantly, they reversed charges and did not explain the fraud. This is an account I almost never use, and had recently received a new card, so the card information was not entered into any companies POS or any websites - it could only be known by XXXX XXXX and Equifax. Equifax later released that data in their servers information had released for criminal use. I contacted them to resolve the damages from the breach, and they replied with a form letter, and offer for a free year of credit monitoring. The typical sales model for credit monitoring is they hold a credit card number for charges and begin charging you at a certain point. If you call to terminate the credit monitoring they refuse your calls or inadvertantly charge you for the services. Equifax probably profited from making consumer data available on a black market, and used the " unfortunate situation '' to sell credit monitoring services and collect payement contracts for future services by creating fear in consumers minds. This is a evil and devious practice. For a consumer like me who rarely uses credit, it means I have a vunerability simply on maintaining a service " for a rainy day '' - and a sick twisted organization like Equifax can use that to take money from me. They did not offer to verify how my account information was frauded and did not want to deal with me as a frauded consumer. I also find it interesting that i never agreed for them to keep this data on thier servers, and If i woudl want to live in a house i would probably have no option but to keep this data on thier servers. They have never answered if they intentionaly gave out my data to criminals.I can not remove my records from them as I have a home loan - typically required - I guess unless I choose to freely sleep under the freeway - oh that may be illegal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc.

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since Experian and XXXX CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update listed account from my file. 
XXXX XXXX Balance Owed : {$10000.00}.

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