hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-07-26
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: National Credit Systems,Inc.

Complaint:
I have repeatedly in the past attempted to resolve this matter this account swiftly and amicably. I have sent National Credit Systems , INC several official correspondence, all of which they have ignored or vaguely responded to. The attached document shows my cease and desist letter I sent to NCS, under the FDCPA 15 USC 1692c ( c ) once they received these letters they are required to immediately cease all communications concerning this account via any medium. The suspension of all communication includes me the consumer and all consumer reporting agencies such as XXXX and XXXX As shown in the attachment below labelled " E '' and " EE '' NCS has continued to violate federal laws by continuing to communicate about this account through various mediums with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.

Complaint:
Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.

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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have been receiving multiple phone calls and paper mail from a company called Portfolio Recovery Associates. 
They claim that I own money on a account that I have no knowledge of. They never provided me any information, indicating that this debt is indeed mine. The call me all the time, and at times leave me voice mails. 
I have made attempts to speak to one of the representatives on the phone.However at times they hang before I can even say a word to them. Then when I try to call back its as if the number used to call me is not working. 
I have recently checked my credit and noticed that, the debt in question of {$2800.00} has appeared on my credit report. This debt needs to be removed as soon as possible as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FINCL 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 non-monetary relief
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.

Complaint:
On XX/XX/2020. I received a small claim case No # XXXX from justice court of the State of Texas, XXXX County precinct 3. The plaintiff is Midland Funding LLC sue me and demand for payment amount of {$6700.00}. However the person reference in the citation have same name but not me, the social security number does not match mine, the address listed in the citation which I have never lived at, also I have never opened an account with the bank in the citation. 
I have contacted the plaintiff attorney through email with this information on XX/XX/2020 but a company Midland Credit Management still send me letter on XX/XX/2020 which a request of payment. 
Please contact me to advise the steps needed to stop send letters and dismiss this case. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.

Complaint:
XXXX XXXX medical of XXXX XXXX billed VA for XXXX. VA XXXX paid this bill. I have confirmation. Then XXXX XXXX XXXX attempted to be paid twice for this by sending me bill. When I explained they proceeded to send it to a company called Credit Management who sent me bills and then I sent them the proof this was paid for and did not hear from them again until they added this to only one reporting agency XXXX. XXXX XXXX nor the XXXX reporting agency are reporting this fraudulent claim. How do I sue them for harassment and what this may do to my otherwise Excellent credit?

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 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint:
We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 2019-08-18
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:
Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by XXXX  in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.

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 2022-11-03
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:
Experian does not and has not thoroughly investigated this account information. This is why they have added online dispute options because its just a click of a button for Experian to only verify name and Social Security number so that connection and then they keep the same information snd claim that theyve completed their investigation. However, when I go look at their results its all the same and nothing has changed like the number thats provided for the so called collection. I am doubting their credibility and ability to accurately and lawfully report. This account says XXXX XXXX XXXX XXXX with an incorrect number on the credit file. After I had to figure out the number XXXX XXXXXXXX DENIES HAVING AN ACCOUNT FOR ME SO WHY ARE THEY STILL SHOWING ON MY FILE! Then every time you check, Experian is changing data!

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 2018-05-24
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:
On XX/XX/XXXX and also on XX/XX/XXXX I sent a debt validation request to transuion XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX both via certified mail. The account in question is XXXX XXXX for the amount of {$290.00}. According to the fair credit reporting act I have the right to have this inaccurate information removed from my credit file after not receiving adequate validation of this debt in question. I have disputed this information to transuion 3 times to no avail. Transuion 's unwillingness to assist me I'm this matter is a violation of my request and I am asking that this inaccurate information be removed. I have received a response from transuion stating that this information will remain on my credit file as they have verified it as accurate. Transuion 's verification does not constitute as validation, which is required by law once I have requested it. The debt being reported by TransUnion / XXXX XXXX is inaccurate and it does not belong to me therefore I have requested validation for this account which I have not received. This is a violation of my rights according to the fair credit Act and the debt collection practices. I have NOT RECEIVED ANY VALIDATION OF THE ACCOUNT IN QUESTION. And the required time by law has passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY

Complaint:
XX/XX/XXXX XXXX, I hope all is well. My name is XXXX XXXX I have an account with TD bank # XXXX. 
My family and I were impacted by Covid-19 and when I called sometime in XX/XX/XXXX I had explained my situation however, my funds were not credited back to the account. 
Last year XXXX my debit card with TD was lost. I contacted them immediately once I discovered my card was lost. After receiving my new card I assumed all transactions on the old card would no longer be valid or no payments could be processed. Fast forward to XX/XX/XXXX XXXX XXXX had gone into the old / closed debit card and retrieved funds. Again, I immediately was in touch with TD to explain what happened and to please give me back my money. Later, in the month of XXXX my debit card was finally closed after reporting it 1 year later. I then reiterated once more I closed my debit card last year and this should not have been honored by my bank. 
Can you please help us figure out what happened and why I did not get my money back? 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.

Complaint:
I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: SYNCHRONY FINANCIAL

Complaint:
I am an Amazon XXXX  Store Card holder which is financed through Synchrony Bank. I pay my current balance, which is always higher than the statement balance because it reflects purchases made after the statement close, in FULL every month. Today my current balance was {$390.00}. I paid it in full but thought it was a bit high so I decided to go through all my purchases since my last payment on XX/XX/XXXX which XXXX  out my account. I added up all the charges and the total came to {$310.00}, a difference of {$85.00}. I called customer service. The first agent I spoke to called herself XXXX. XXXX put me on hold for 25 minutes and then disconnected the call. I called back and got a man called XXXX. XXXX attempted say that the charges on my current bill included purchases from early XXXX. I totaled up the purchases for XXXX he was referring to, the sum of which amounted to the total payment I made in XXXX which XXXX  out my account. XXXX also hung up on me because he couldnt explain the extra amount on my bill. I called back a third time and got XXXX, who sounded suspiciously like XXXX and even had the same background noise of roosters crowing. XXXX tried to convince me that part of my current statement is attributed to purchases made in XXXX. Again, I pay the bill in full every month. The only charges on my bill made after my last full payment on XX/XX/XXXX totaled to {$310.00}. Synchrony/Amazon has charged me an additional {$85.00} which they can not account for and their customer service speaks volumes as to the level of thievery they have achieved, undoubtedly with other customers as well.

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 2023-05-15
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:
This is my NUMEROUS 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 items 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 XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation