hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc. (OK)

Complaint:
XX/XX/2022 I dispute this debt in its entirety. 
I do not authorize your company to purchase homeowners insurance for my home, and I will not reimburse you for any insurance payments for any reason. 

Your company, RightPath, has not validated any debt that concerns me. Your Consumer Financial Protection Bureau ( CFPB ) form letter response submitted on XX/XX/2022, within twenty-four ( XXXX ) hours of my CFPB dispute and complaint on XX/XX/2022, states that you completed an investigation that validates a debt. The few photocopies of random numbers and meaningless abbreviations that you attached in your response prove nothing that concerns me but are an attempt to deceive and confuse a consumer. 
The charged-off loan you referenced contained acts of fraud and violations of federal real estate laws from its inception and throughout, and was closed on XX/XX/2022, by the previous loan servicing collection agency, XXXX XXXX XXXX XXXX In my CFPB dispute/complaint to your company on XX/XX/2022, I stated that the fraud and violations had been addressed in my previous CFPB complaints to XXXX XXXX  XXXX XXXX That is why they charged it off with a XXXX balance. I have documentation that substantiates my statements. Rather than conducting a thorough investigation of this fraudulent closed loan, where the fraud and violations were blatant, you have chosen to ignore my CFPB complaints to RightPath and XXXX XXXX XXXX and attempt to perpetrate the fraud by attempting to extort money from me, while attempting to abuse and intimidate me with suggestions of my credit being negatively affected and continuing with pre-foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (FL)

Complaint:
I joined XXXX XXXX ( XXXX, Georgia ) XX/XX/2020. I paid them for the 1st month. XXXX XXXX the state of Georgia Gov. XXXX XXXX closed down all businesses in Georgia including fitness center. During this time XXXX XXXX was closed. They only way you could cancel your membership was to come to the gym in person. At that time I called and pleaded with them to allow me to cancel my membership. They said I had to come to the gym. I couldnt leave the house for XXXX  months. I explained that I was sick with XXXX and lived alone and didnt have anyone to bring them the cancellation notice. I tried to work with these people I talk to the manger and they were nasty. I only owed them for XXXX dollars when they turn it over to Frist Credit service collection it is XXXX. I need your help removing this from my credit report and changing XXXX XXXX cancellation policy. This was during a time when the entire country was closed. I havent gone back to any gym. I retired since this happened and it is badly impacting my quality of life. I have never had a low credit score. I need this removed from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: The CMI Group, Inc. (HI)

Complaint:
account was opened on XX/XX/22 for the company XXXX XXXX for the amount of {$3600.00} was opened on XXXX, TX a city i have never been in my life. the company Credit Management LP open a collections on my credit report.

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 2015-12-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (IN)

Complaint:
I received a letter from Debt Collector Midland Credit Management , Inc several years ago and in response within 30 days requested validation of the debt. Midland Credit Management, INC has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until Midland Credit Management provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it violates the FDCPA and is time barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Complaint:
I consign for my son 's car loan. I am not privy to when he makes his payment or amount. On XXXX XXXX2019 I contacted ally loan to talk about account and was advise that XXXX needed to be paid by XX/XX/ 2019.  I told them I do not want this going on my credit report and I had the funds to pay today and was told just make sure pay by XX/XX/ 2019 and that would bring it current. On XXXX XXXX,2019 I notice a late payment had posted to my credit bureau, I contacted ally and was told that it was 30 days late, I spoke to a supervisor and was told if I make the payment today XX/XX/XXXX they would remove it from credit bureau, a payment of XXXX was made and I phone back on the XX/XX/XXXX to verify payment was receive and XXXX told me it would take 7 to 10 days to remove it but it would be done. I receive a letter from ally on XXXX XXXX that they were not going to remove it from the credit bureau. They deceived and misled me to believe that this matter was being handled. If they had just taken my payment on XXXX XXXX this would have never happened. They did not give the correct information and advised me that the payment on XXXX would keep it from going on my credit. They tape all conversations and this will show they gave incorrect information and that it is their fault.

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 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

Complaint:
As stated in prior CFPB complaint, I've sent a dispute letter via fax, postal mail, as well as email most recently regarding information needed for dispute ID XXXX, I was sent a letter on XX/XX/XXXX which I replied to and provided same information again.. In total, numerous letters provided, Citibank dispute dept claims non-receipt of these which is suspicious. I spoke with a Citibank rep today, he claims a letter was received on the XXXX of XXXX as well.. I provided information pertaining to dispute and the merchant appears to be a scammer as the charge, {$160.00}, was declined on merchant end supposedly, funds taken regardless ... I've message the merchant via secure message, no reply and no direct email or number to reach ... This transaction is a scam and again, I've provided this info numerous times, Citibank claims either non-receipt or needs additional info which I am not aware of and have no such additional information to provide other than what is in letters sent prior ...

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 2018-02-27
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: Experian Information Solutions Inc. (CA)

Complaint:
Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # 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 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 2022-03-05
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. (CA)

Complaint:
I have been disputing with Experian, XXXX and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.

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 2023-08-11
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 (FL)

Complaint:
THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.

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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance Owed : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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. (CA)

Complaint:
This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
: 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 Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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. (TN)

Complaint:
Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of report

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 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

Complaint:
I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?

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 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Complaint:
XXXX XXXX XXXX XXXX on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX.I think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX  for XXXX this definitely isn't it. Please help me fix this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
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. (HI)

Complaint:
Please reverse the late payment reported on in this particular account:XXXX XXXXThe account was never past due, I never made a late payment to thiscompany ever, please change this. I have a good relationship with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
There was a message on my answering machine from a person claiming to be from Amazon saying that there was a suspicious charge of {$4000.00} and that they put a hold on this purchase and wanted to talk to me about it. This call originated from the following phone number listed on caller id : XXXX but this didn't look like a real number and I have no idea how this number could be displayed like this. When I checked my Amazon account there was no such charge and when I contacted the credit card company ( Chase/Amazon ) they said there was no such charge and stated that this was probably a scam/fraud call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (CA)

Complaint:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
Today XX/XX/ I received a TransUnion letter that showed its continuous persistence to violate my rights asserted under the FCRA and other applicable laws ( attached file of my personal information within TransUnion shows unauthorized and never existed before account with XXXX XXXX under description # XXXX****. I disputed this account and Transunion just wanted to retaliate too against me in this directed blacklisting and retaliation from Some corporates of scam and fraud their end is soon and they will dissolve ). 


- - - I repeatedly proved with evidence that the only XXXX XXXX credit account that I had had the following description as shown in my attached Transunion Credit report of XX/XX/ ( I also attached the exact page 27/35 of the credit report where information of the account located ) : # XXXX**** which Ive kept paying for its balance until this month I paid off ( see attached copies of payment checks ) and it was already closed by XXXX XXXX on XX/XX/ according to XXXX XXXX itself and it is a different long detailed story of retaliation. I also attached my last check payments via Bill-pay service from my bank. The payments were all for account # XXXX****. 

- ______________ Conclusion : Account # XXXX**** is missing from my credit report. 
Unauthorized account # XXXX**** is forced against my will on my Transunion file and by Transunion that knows now and before the above facts with undeniable proofs. 


Demand : 1-delete immediately the unauthorized account XXXX**** and its information because it is not correct it is inaccurate. 
_________________ 2-fix and put back the correct account information for my account # XXXX**** - - It is that very simple and easy fix if I do not see my Transunion credit report fixed and corrected by Transunion from the errors and/or inaccurate information referenced and detailed above and as soon as possible. Then Transunion decided to dishonor the law and has no respect to the role of the CFPB in this process now. 

XXXX All stated herein is to my current states belief, knowledge and understanding and it is all subject to any correction or any thing and only by my person or my representative and at any time and Without waiving my rights. 


Thank you, 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