hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint:
I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due. 

Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX  reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan.

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 2021-12-28
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint:
I havent been able to access my Citibank account for 2 weeks before XXXX I got in contact with bank as soon as I realized I couldnt use My card. I spoke with an agent and the representative said my account was under a fraud block and that the account was referred for closure. I was trying to see if I could open a new account to transfer my funds but they said I would have to wait for a letter notice in the mail, and that my check will be disbursed to me within 60 to 90 days of account closure the bank account is still not closed and its blocked I cant get to any of my funds which is exactly {$4200.00} in the account that they wont allow me to withdraw. The dates Ive called are expanded between XX/XX/XXXX and XXXX the days before my account was blocked by the fraud department. They wouldnt allow my to verify my identity because I had to change my phone number 2 weeks before because of personal reasons. They locked my account with no notices or statements regarding the state of my account being blocked at all.

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 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint:
I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - XXXX XXXX XXXX XXXX  Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

If you do not immediately remove this information, I will file a formal complaint with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I Include these items in my previous complaint, Now I am redisputing them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Aldous & Associates, PLLC
State: IN

Complaint:
I prepaid for a XXXX year membership at XXXX XXXX in XXXX XXXX, Indiana. It was for {$400.00} on XX/XX/2021 on my XXXXXXXX XXXX. I have the bill showing it was paid. Now I get a bill saying I owe money. I've called Aldous and associates who are trying to collect this @ XXXX. They have no information for me and referred me to XXXX. I called XXXX and they said it was sent to debt collection. I asked to speak to a XXXX and they said they can't help me. I was recently hit by the XXXX, In tornado and have been trying to rebuild. My phone was recently replaced but don't recall seeing anything from XXXX about collection. 
I checked at the front desk multiple times verifying when my membership was ending. Due to overcrowding of the equipment and people and with how many times things within XXXX was shutdown for repair I decided to go someplace else. Multiple times the movie room was down, pool down, equipment down, tanning down, b- Ball goal bent and nets not replaced, ect... This was a constant issue over past year. I voiced my concerns multiple times as well did others I knew. 
I don't know why I'm being charged. My debt was paid in full when I signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint:
I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2020-08-18
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Tags: Servicemember

Complaint:
Bank of America closed my credit card due to " high balances '' on OTHER credit cards that I have, were their exact words. This happened on XX/XX/XXXX. My wife lost her job in XXXX due to COVID19 an I lost 1 of 2 jobs during COVID19. No phone call or anything. I have ZERO lates on my credit history with this card. The balance on BOA credit card is not even close to the credit limit. Called BOA on this matter and was told there is nothing they can do. Credit history will now be affected. They did not take into account COVID19.

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 2021-11-22
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan
Company: Higher Level Processing
State: TX

Complaint:
Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft
Company: Penn Credit Corporation
State: IL

Complaint:
i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX  and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA
Tags: Servicemember

Complaint:
I have sent several certified letters to XXXX  Credit Reporting company asking for their verification process of Bankruptcies. I provided XXXX  with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my Lexis/Nexis account. I have received a letter from Lexus/Nexus informing me that they removed my information as well. XXXX  refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint:
Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.

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 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint:
Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa

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 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-05-01
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged
Company: Exeter Finance Corp.
State: VA

Complaint:
The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Product: Debt collection 
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: PLDR
State: IL
Tags: Older American

Complaint:
I received this text message from XXXX Delivery Update : XXXX XXXX, Your delivery is scheduled to arrive by XXXX XXXX. Important Documents require signature by an Adult ( 21+ Photo ID ). To stop Msg reply Stop. For help Contact XXXX. Use reference XXXX.This is an attempt to collect a balance. Any information obtained will be used for this purpose.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-05-22
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: ERC
State: IL

Complaint:
A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief