hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (CA)

Complaint:
+++++ ATTENTION XXXX XXXX +++++ XX/XX/2022 at XXXX I received a call from XXXX XXXX. I asked if she was a debt collector and she refused to state if she was a debt collector. XXXX would only state she was a third party representative for Trans World. XXXX was calling me at a inconvenient time while i was working. XXXX used used of obscene or profane language while asking questions that made very uncomfortable and caused me a great deal of XXXX  XX/XX/2022 around XXXX I received another call from XXXX XXXX XXXX I told her not to call me asking for money that I do not owe her or the company she works for because I am not in contract with her company. I told XXXX XXXX she caused me a great deal of XXXX  from her previous call on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX then transferred my call over to her supervisor XXXX XXXX. I told XXXX to place me on the do not call list. I then asked for the name of the CEO of the company she works for. After XXXX provided the name of the CEO ( XXXX XXXX ) I asked XXXX if she was familiar with Familiar with the Fair Debt Collections Practices. XXXX XXXX said " yes I am ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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. ()

Complaint:
I'm trying to cancel and I am being shuffled around from office to office. Can't get them to cancel. It is almost impossible to cancel DO NOT USE

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 2020-05-14
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. (AR)

Complaint:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NJ)

Complaint:
I am lodging a formal complaint against paramount recovery this debt collector has violated the fdcpa/fcra by reporting derogatory information on my credit reports in the amount of {$240.00} that isnt my debt. I have never recieved a dunning notice by this company which allows me 30 days to dispute validity of debt. I've lived at the same address for over 17 years and I have never recieved any mail from this company and also never recieved a phone call. This has also brought my credit scores down and I am in the process of purchasing my very first home for my family. I am requesting paramount recovery to delete this erroneous account from my credit reports. Attorney general and XXXX complaints will be filed if account isnt deleted immediately. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Complaint:
This company showed up on my credit. I went through a very hard time, few of my family members passed away in a very short time of each other. And I lost my job. I fell behind on some of my bills. I did however keep every bill/bill collection I got. I looked through and I never received anything from midland credit. I tried to dispute this on credit bureau sites stating they didnt send me proof I owe the debt, not did they send me my right to dispute. 

I want all the documentation they have on this debt, that they own the debt and I owe the, the money stated. I also believe the balance is way off. The statue of limitations has expired on this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-02-28
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 XXXXXXXX # 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 explanation
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

Complaint:
FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

Complaint:
First of all Im a XXXX  and have been out of school since XXXX... I had my loan switched to several different agencies multiple times. The last loan company I recall was XXXX and was told that I was on income repayment at {$250.00} back in XXXX and that was last for 10 years. Then I see sometime in XXXX the loan was switched/sold to AES and I owe the same amount that I took out in XXXX. I feel like I have made consistent payments based on what was set-up. I have worked for several insurance companies, and I guess they are consider for profit companies. Im currently self employed/contract and work for the government. I really need to speak with someone to see what is going on with this loan. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Wells Fargo allowed XXXX dollars to be stolen from my account via XXXX  XXXX, and ATM withdrawal. The claim had been denied due to the ATM withdrawal, which was not me. They failed to investigate properly or check any sort of cameras to prove this transaction was not me. They also refuse to refund the fraudulent XXXX XXXX payments. I offered to provide identification to verify that these charges were not done by me, as well as proof I was not in the area of these ATM withdrawals, but all of my attempts have failed. Please help. They took every cent in my name.

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 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

Complaint:
We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX  at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked. 
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again. 
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable. 
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX  XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX. 
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package. 
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.

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 2023-04-14
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. (IN)

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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. (PA)

Complaint:
N accordance with the fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I have the right to privacy. 15 u.s.c. Section 604 A section 2 It also states a consumer reporting agency Can not furnish A account without my written instructions XXXX XXXX, us department of education

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 2019-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Complaint:
This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can provide proper documentation showing my signature this must be removed from my credit reports on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
Tuesday, XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To whom it may concern, Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP Sincerely, XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$160000.00} Balance updated XX/XX/2022 Original balance {$120000.00} 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal. Please remove from account with 30days 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 2018-07-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Complaint:
On Thursday, XX/XX/2018, I received a call from my adult daughter saying she had received a call from someone who was executing an " Order for Location '' and trying to locate me. She said the person also contacted her daughter who is XXXX years old and scared her.

I checked my voice mail and found that whoever it was had left a voice mail for me. I listened and learned the following : The person calling was XXXX XXXX and that she was executing an " Order for Location '' and trying to locate me in regard to case XXXX, a case filed in XXXX County ( Texas ). She said the order gave her authority to contact my employer and references. She said she would continue to do so until told to do otherwise and that this was a 'Legal Notification by phone '.

I checked with my sister who said she had been contacted and my wife who checked her email and found the same message.

I called the number provided XXXX and was given the same information. She claimed to be trying to locate me, but would not stop calling until directed to do so by whomever hired her. She would not tell me the name of her company or the name of company that hired her. She did provide me a number to a different company. I called the number and could not find out the name of her company but after some arguing, I learned that they were working to recover an unpaid loan from two years ago by Ace Cash Express. I remember the loan, but not if it was paid completely. She would not provide me with specific contact information on how to contact the company. It is strange they have my phone number but and address, but could not find me. They also confirmed they had my address.

I contacted the XXXX County courts and was told they could find no record of suit filed but that did not do any service processing so could not help me. They were not particularly interested in helping me, saying they had no idea where to go for help.There are no suits filed against me, so they could not help me.

I worked in the credit field for nearly 30 years and have never heard of such a court ordered process. After consideration, I determined that my next course of should be to contact your agency.

Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MI)

Complaint:
XXXX and sourcerm. Wow. What can I say. We terminated our XXXX contract after fulfilling our two year contract. Im sure that sourcerm  isnt the first company that XXXX tried to sell this debt to. There is a {$3000.00} amount sent to collections. This was not supposed to happen according to XXXX, when we switched carriers. XXXX was angry, upset and frustrated that they were losing a valued customer that paid thousands of dollars over YEARS. According to XXXX, we were all set. Done. Paid in full. Phones were not to be returned because of the damage and wear to them. How on earth is a clerical or accounting mistake on XXXX  part a problem that I should have to suffer through?!? I have disputed this with all credit bureaus and am at the end of my rope. This goes all the way back to XX/XX/2017 and can not get an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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: EQUIFAX, INC. (LA)

Complaint:
I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX  repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (TX)

Complaint:
Citibank allowed debit card transactions to overdraw my account. The problem started on XX/XX/2023 and, since then, they have allowed 7 transactions to post causing {$110.00} in overdrafts. There are still 3 pending transactions totaling {$19.00} that will further overdraft my account. I called Citi on XX/XX/2023, and was told that Citi has a software to decide what accounts they allow to have debit card overdrafts. I'm not sure why this is their policy, but maybe since they did away with overdraft fees, they have to make money somehow. 

The purpose of a debit card is to act like a credit card. Why would a bank allow debit card overdrafts based on some arbitrary formula that is not known to the customer? It seems like a scam to me.

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 2020-08-03
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. (LA)

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXXXXXX {$1100.00}

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
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Complaint:
Convergent Outsourcing XXXX is charging me for an account I have no knowledge of for {$820.00} I have disputed this account several times, called XXXX and XXXX as directed by credit bureaus, and am told there is no such account found but they're answering the disputes as accurate. When in fact XXXX in XXXX of XXXX put an account on my credit for {$250.00} for a supposed phone bill and removed it realizing their mistake. The XXXX should be taken off as well if there is no such account found when I call them. But it remains hendering my credit.

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 2022-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

Complaint:
The company is attempting to collect a debt of {XXXX} that has already been paid.

Company response to consumer: Closed with explanation