hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

Complaint:
Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. 

I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. 

The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. 

This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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. (NY)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-06-24
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. (GA)

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


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
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: Credit Plus Inc (WA)

Complaint:
On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
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. (CA)

Complaint:
The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the  consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
In accordance with the Fair credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # 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 2016-11-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (WA)

Complaint:
I do n't know what this is.. I paid all debt off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

Complaint:
I sent my payment to Fortiva credit card on XX/XX/2023, from XXXX XXXX XXXXXXXX bill pay. 
According to Bank XXXX XXXX, the money was delivered on the XXXX. 
At the time, my debt was {$1400.00} and cents. Just in case, I sent them {$1500.00}. 
( If you check my payments, you will see that I tend to send more than what is owed. ) When I checked my Fortiva statement on the XXXX XXXX XXXXXXXX, I noticed no credit was shown. 
I emailed them the proof from XXXX XXXX XXXXXXXX. 
No response from Fortiva. 
All I received was a letter from them dated XX/XX/XXXX telling me that my account was past due. They had imposed late fees as well as interest charges I emailed them a second time ( the same day ) asking them to eliminate all charges and properly credit my account. Failure to do so would precipitate this action. 
As usual, no response has been sent. 
This is why this complaint is been sent. 
I have all the documents to back up my claim. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Complaint:
Navient claims there is a debt owed on the account that is due solely because of an unsubstantiated variable interest rate. When asked to review the account, Navient claimed they had the Ombudsman department do a full audit on the account, with calls regarding the alleged delinquency stopped until the resolution of the issue ; however, these action were never taken. Navient continued to call 20+ times ( excessive and abusive ) while the " investigation '' was underway. When asked to substantiate the conclusion of the report, Navient claimed there was no documentation to provide and the account was still delinquent. All requests to discuss with their Ombudsman department were denied and I was, instead redirected to a number of other departments. I have yet to receive answers or documentation from Navient, supporting their claim of an investigation regarding a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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. (FL)

Complaint:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (MO)

Complaint:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company velocity investments LLC and XXXX XXXX XXXX 

As outlined in the agreement, the purpose of the XXXX XXXX Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2023-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

Complaint:
XXXXXXXX XXXX and their Servicer, Heartland ECSI. 

My Principal payments and Interest payments have been changing every few months without me being notified. This resulted in late fees and damage to my credit scores. 

I have called them and asked them why the price changes, which they claim is variable interest rates changing every 3 monthd. But my principal amount owed each month also changes seemingly randomly which makes no sense. In addition, my interest owed each month is also inconsistent almost as if it changes every single month. 

I also asked them why I do not received emailed billing statements even though i signed up for it on their system, and they would not answer. 

They also would not explain why my payment owed changes every single month. I had the account on auto pay, but the amount changing every single month without notice caused the account to fall behind and they charged me late fees. I am at a point where I'm scared of this account and have to check it every single day to make sure I don't owe some random amount. 

On XX/XX/XXXX I had to pay {$910.00} because of this issue. When I called them, they said it was not their problem and they could do nothing and did not give any explanations It happened again On XX/XX/XXXX I had to pay a total of {$860.00} because of this issue. Then on XX/XX/XXXX another charge of {$40.00} was owed for seemingly no reason Then on XX/XX/XXXX, another {$44.00} was owed without explanation. 

I've reviewed the charges on the account and the principal amount owed each month is never the same and the interest raises randomly without notice. 

Their customer support would only tell me variable interest rates and not explain how my payments went from {$130.00} to {$510.00} in 6 months with only a 1.7 % interest rate hike during this time. 

They are gouging money from me and pushing me towards the brink of bankruptcy without remorse or explanation. And then they change the amount without sending me statements and charge me late fees. My payments went from {$130.00} to {$510.00} in 6 months without any warning or notification between changes and I have been charged fees for every single late payment because if these random and unannounced changes. 

I was even told I still owed {$800.00} when my account only showed {$59.00} owed and they would not explain this. I never receive billing statements at my email like I signed up for and I can only access the statements after the fact, at which point they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation (NJ)

Complaint:
I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

Complaint:
CREDIT COLLECTION SERVICES is communicating with me through XXXX, XXXX, and XXXX stating that I owe a debt when I have never done business with their company before. I XXXX XXXX disputes this debt and ALL claims in accordance of 16 CFR 433.2, Tital 15 USC 1692, Regulation Z, Regulations M, and ALL applicable UCC Articles.

Please govern yourself accordingly. If you lack understanding, forward to your ATTORNEY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: ALLY FINANCIAL INC. (NV)

Complaint:
On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization 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 2018-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

Complaint:
Hello CFPB, I, XXXX XXXX, am a victim of Id Theft at Paypal Inc. An account was created in my name using my email ID 'XXXX ' on XX/XX/XXXX siphoning off {$15000.00} from my XXXX XXXX  XXXX Checking And Debit Card accounts . I filed a previous CFPB complaint against Paypal Inc. asking for return of lost money. XXXX  XXXX XXXX eventually did chargebacks on the transactions to return the whole money of {$15000.00} back to my original XXXX XXXXXXXX XXXX Checking Account in XX/XX/XXXX and XX/XX/XXXX from the ID Theft Paypal Account 'XXXX ' with Account ID 'XXXX XXXX ' that possessed my money. The previous complaint against Paypal Inc. with CFPB is XXXX. On XX/XX/XXXX, Paypal Inc has informed me on my phone call to them that my account is still in Fraudulent state and is pending investigation for previous complaint # XXXX and associated XXXX   complaint # XXXX. 

This is a Harassment complaint against the above ID Theft perpetrator who is the account owner of Paypal Account 'XXXXXXXX ' with Account ID 'XXXX XXXX ' . ID Theft perpetrator constantly texts my phone # XXXX asking for Release of Stolen Money back to the 'XXXX ' with usage of profane words. This has been an ongoing Harassment issue since XXXX of XXXX till now ( XX/XX/XXXX ). 

Paypal Inc. has to take legal action against the above ID Theft perpetrator account 'XXXX ' with Account ID 'XXXX XXXX ' ASAP so that I can protect myself from the said person 's threats against me and my family. 

XXXX XXXX Mobile # : XXXX Email ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal 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 2021-09-07
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. (PA)

Complaint:
I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on Experian, XXXX, and 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 2023-01-14
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. (FL)

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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation