hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group (TX)

Complaint:
Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop

Company response to consumer: Untimely response
Consumer complaint received 2023-03-01
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. (NJ)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriHome Mortgage Company, LLC (GA)

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AL)

Complaint:
XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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. (TX)

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 



XXXX XXXX AUTO LATE PAYMENTS REPORTED ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years. 1 5 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 have 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 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Complaint:
This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.

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 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purchase, your score plummets 100 points and oh my, now we have a higher interest rate, right? This needs to be fixed.

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 2018-08-10
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. (TN)

Complaint:
I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

Complaint:
I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. 

XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. 
XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . 
XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. 

This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. 

XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. 
XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. 
Requesting that the CFPB please investigate this. 

Please feel free to contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Wells Fargo is at it again. They have began charging unjustified overdraft fees again. I was charged {$35.00} for supposedly paying for a transaction that I did not have funds to cover. I did not sign up for an overdraft program. I was promised that if no funds were available the transactions would simply be declined. I checked with the bank that supposedly received the money and they said Wells Fargo did not approve the transaction. Wells Fargo did not pay XXXX XXXX but wont return it to me either then on top of that is charging me 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 monetary relief
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MD)

Complaint:
I have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the account is so old that I can not pay the balance and he can not help me pay off the XXXX $ balance. After that I filed a dispute with XXXX  and they did nothing to help my report or the situation. Ive tired every route.

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 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CO)

Complaint:
About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this 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 explanation
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (PA)

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

Complaint:
This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with XXXX and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

Complaint:
I am a XXXX veteran and have been having problems with Navient since they took over my 3 student loans. For several years I was unemployeed and this company XXXX me around with payments, deferrements and made it very difficult to get the paperwork from them. They did not recognize by Dept of V.A. XXXX docs and treatment records from the V.A. hospital. They have charged more interest than should have been charged on my loans. 

Now I am making payments and have been for several years. Most recently, this company refunded my monthly payment for unknown reason. The payment amount exceeds the monthly minimum payment. They have marked my account past due even though I have prepaid and paid more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Solomon and Solomon, P.C. (NY)

Complaint:
Went to open a checking and Saving account on XX/XX/2021 at XXXX XXXX XXXX 
They ask for driver 's license and utility bill to verify your account/identity. We spoke, account was set up with at deposit and I left the office. About two weeks later, my reporting company that announces credit activity sent a hard credit inquiry by made by XXXX XXXX XXXX, this was done without my permission or consent. I called the company on or around XX/XX/XXXX and asked to speak with a Manager. The staff left a detailed message and the following day I spoke with XXXX XXXX the manager which acknowledge the pull without my consent and apologized, however did not know how to correct the unauthorized pull. I would have questioned why ( this is not a loan and 2 points of verification were given ) a credit score hard pull was needed and not open the checking/savings account if I knew. This was not an application for a loan/liability situation, just a situation for EFT or direct deposit were low liability is found. The rep XXXX XXXX did point out that they had many come for loans due to low rates. My questions then looking back is -- -does XXXX XXXX XXXX pull without consent or letting their clients/members their credit scores so then they can make a move in business and then " upsale '' so they can make money from the customer. This sneeky behavior should be investigated immediately as it # 1 Harms my credit score # 2makes a business move with the Credit Bureaus best interest not mind, I am aware of how to fix my credit and don't need you. If you care to help me, you would include me. # 3Removes consent by the customer The application form has no place were I need to sign or initial on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Complaint:
IC Systems Collections claims i owe them {$2000.00} for a closed sprint account. It was placed for collections on XXXX I have not knowledge of this collection. I had and paid a XXXX  cell phone bill back in XXXX. I have not used or had XXXX  services since XXXX. I've asked for a detailed bill, but I haven't see one. I've attempted to dispute this with IC Systems Collections on several occasions, but no one from the company can produced the original documents.

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 2023-07-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

Complaint:
Nelnet has failed to report to the credit bureaus, the correct balance on my student loan account for the last 2 months and is soon approaching the 3rd. 

The account is now paid in full and payments made in XXXX and XXXX are not posted the balance shows {$6900.00}, my XXXX balance, with 4 added payments made since then to zero the loan. 

Reference my previous CFPB report XXXX. Nelnet has severely mismanaged the unnecessary consolidation of accounts ( XXXX XXXX  into Nelnet ) and delayed my payments now they are FAILING to report to the credit bureaus. 

In ADDITION, the previous Great Lakes reporting and payment have disappeared from Nelnet last report on XX/XX/2023. I have paid {$40000.00} in total payments and to today history reports only {$6900.00} ever borrowed reported to the credit bureaus. 

Again, today 's balance is now XXXX but I have ZERO confidence Nelnet will ever report anything correctly to the credit bureaus. I have filed disputes with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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. (NC)

Complaint:
My personal items were taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to notify them as well. These accounts are fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

Complaint:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation