hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CU Recovery, Inc. (NY)

Complaint:
I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Complaint:
Have been receiving calls daily from Cash Central requesting my information such as ss # and address. I repeatedly told them I have not ever done business with them and to not call me. Calls persisted. They even contacted my brother to ask me to call them. 
Today received email from credit monitoring to review my account due to activity. I noticed XXXX with a balance amount of {$3800.00} which I never took out. States on report that account was open on XX/XX/XXXX, 2017. Once again, I never took out a loan or have dealt business 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 2022-11-28
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: Greenberg & Sada PC (CO)

Complaint:
On XX/XX/22 I paid off my collection debt with XXXX XXXX and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from XXXX XXXX. I am requesting that XXXX XXXX takes that off all XXXX credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Complaint:
{$12000.00} is missing from my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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. (MI)

Complaint:
I have already sent a letter to XXXX, XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$10000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Complaint:
Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide

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 2023-07-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SL Finance LLC (TX)

Complaint:
In XX/XX/XXXX I was contacted by SL finance saying that they were the new collection agency of my Federal Student Loans. They told me that they will set me up on a plan paying {$170.00} for 4 months and eventually my student loans woukd be forgiven. Here we are in XX/XX/XXXX and Im finding out that my Collection agency had only changed earlier this month, My balance hasnt decreased and also that SL finance is a fraudulent company. They falsified promissory notes. This is a crime. I need help. Every time I call and wait on the line the phone coincidentally hangs up. This is so wrong. 
SL Finance XXXX XXXX XXXX XXXX U.S. Department of Education

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge 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 non-monetary relief
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Complaint:
I started a dispute on XXXX XXXX, XXXX stating that several accounts were invalid and should be deleted from my file immediately. Within XXXX days XXXX completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. XXXX has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Complaint:
I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Bread Financial Holdings, Inc. (TX)

Complaint:
COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX  symptoms while battling other illnesses related to my XXXX  service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX  of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (FL)

Complaint:
XX/XX/22 called all three reporting agencies and they refused to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
TransUnion is reporting inaccurate information on my credit report and refuses to verify these accounts with the alleged creditors. I mailed TransUnion a letter on XX/XX/2020, disputing an account by the name of XXXX XXXX XXXX on my credit file. TransUnion received this letter on XX/XX/2020 and hasnt responded to the letter or completed and investigation within 30 days, which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). The letter was sent to TransUnion via certified mail with the United States Postal Service and requires a signature for release, I have attached a screenshot of the tracking information from USPS dated XX/XX/2020 showing that this letter was received on XX/XX/2020. I have also attached the letter dated XX/XX/2020. It is XX/XX/2020 and I still havent received anything pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately. TransUnion has violated multiple federal laws and continue to report negative information on my file, I believe theyre in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (DC)

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my WELLS FARGOS Credit Card was removed for my credit report, but it came back on my report this account should be off my credit 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 explanation
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation (FL)

Complaint:
I applied for a online bank account with a company then got a debit card and account from another company and didn't know it might be a scam but I had put some cash on it and set up an account on their app and I payed for a few items but when I tried to get back on the app I couldn't login again, I tried several times and then to rest login info and still can't get back on, there's still some money on the card and account but I tried to order another item it wouldn't let me, it said account info not complete but I tried putting in the info and it still won't accept it

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 2020-03-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

Complaint:
On multiple occasions in the past, I have tried to ...

1. ) Lower my monthly payment due to income issues, but was told I had to pay what the payment was set for.

2. ) Make a payment arrangement, but was led into forbearance.

3. ) Remove the co-signer on the loan, but was told I had to make a ridiculous amount of payments first. Also, they never sent me the paperwork for the removal after said payments were made. 

I also believe that they have charged me late fees that I am not responsible for, and I see payment reversals on my payment history that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

Complaint:
On XX/XX/2023, AWA Collections continued to report a medical debt of {$100.00} and adding interest of {$120.00} on my XXXX credit report from XXXX XXXX XXXX and I live in California. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it was paid by health insurance. AWA Collections advised me they were going to leave it on my XXXX credit report until I paid it because it damages my credit. AWA Collections should not be reporting any medical debt whatsoever under {$500.00}. They are violating the provisions congress put in place to protect consumers under the Medical Debt Relief Act of 2023. I disputed this with them and XXXX electronically and verbally twice. They said they would continue reporting it to damage my credit until they were told to removed it. AWA collections should immediately stop reporting medical debt under {$500.00} and delete this medical debt paid by my insurance from my XXXX consumer credit file. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.

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 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

Complaint:
My loan with Shellpoint mortgage was under a forbearance program and at the end of the plan, the account was brought current. But now Shellpoint Mortgage is now reporting that the account was delinquent during the forbearance time. The property address is XXXX XXXX XXXX, XXXX, TX XXXX.

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