hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-03-01
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.

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 Account Number XXXX, XXXX XXXX XXXX Account Number 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 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 2017-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On  XXXX   XXXX ,   XXXX   I deposited  5 checks to my account through the ATM at Bank of America. Three chec ks were issued by   XXXX   XXXX   XXXX  . The check in question was for {$2400.00}. At the time of deposit, my account was credited the amount of all  5 ch ecks.   On  XXXX   XXXX  Janus was presented wi th 2 of the 3 chec ks and paid.      XXXX  was not presented with the  3rd c heck until  XXXX   XXXX , which there records show they paid at that time.     On  XXXX   XXXX ,   XXXX   my account was depited for {$2400.00} with the explaination that when Bank of America attempted to negotiate the check with  XXXX   XXXX  that the check was not paid.     On  XXXX   XXXX  I reached out to   XXXX   XXXX   XXXX   XXXX  who told me the check was paid on  XXXX   XXXX . I requested they do more research, which they did.     Janus  XXXX   XXXX  states, the check was presented to them twice by Bank of America. Once on  XXXX   XXXX  and a second time on  XXXX   XXXX .  XXXX  states, they paid the check the first time it was presented but not the second because it had already been paid.     Although Bank of America presented the check twice they only credited my account once. On  XXXX   XXXX ,   XXXX   they debited my account {$2400.00}.      XXXX  facilitated a confernce call with Bank of America, a  XXXX  Representative, and myself to explain the check was presented twice to  XXXX .     I have spoken with  13 represe ntatives of Bank of America and one representative of  XXXX   XXXX   XXXX .     Bank of America has refused to credit my account back and leaving me in the negative {$2400.00}.     Please help 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 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Around XXXX XXXX, I transferred {$9000.00} from my Bank of America Checking Account to my Credit Card Account, in hope to temporarily bump my credit limit so I can spend it. 

Turns out, it didn't work the way I hoped. And my {$9000.00} was frozen. 
Firstly, if my money gets immediately frozen, why was the transfer even allowed? There was a very convenient button to do the transfer. 

Later I contacted BoA and they said they'd send me a check to return my {$9000.00}. 
I never got it. 

Last month ( XX/XX/2022 ), I decided to ask again. They said they can return my {$9000.00} electronically and I should receive it in the next billing circle. 
However, yesterday ( XXXX XXXX ) I received a mail saying the operation failed. The explanation was basically " It was too long ago, we can't return the money ''. 

How is it even legal to hold my money this way for almost half a year?

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 2019-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC

Complaint:
I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2023-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.

Complaint:
I misplaced my wallet a week ago, along with my debit card, social security number, and other personal items.This has happened to me twice, and someone has deposited a cheque there. As soon as I noticed a deposit, I contacted the bank to let them know. After a few days, the bank contacted me that my account was restricted and would soon be closed. I tried to tell them that wasn't the case, but they continued to say they would close. Now that I receive weekly payments from my job and use my bank to pay for schooling, I'm not sure what to do. I simply want to know what can be done to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC

Complaint:
Sunrise Credit Services does not hold true to their word. Didn't receive any information about an outstanding bill from XXXX XXXX XXXX ( did not owe to XXXX XXXX XXXX and still sent to collections ). To come to some agreement to make this go away I asked if I paid would this be deleted from my credit. The 1st operator stated it would and they would send me a letter verifying after I paid. That never came. I called back and talked with XXXX XXXX and he stated it would be removed in 5 business days. That never happened. Now I called and was told Sunrise doesn't delete from your credit ( why are there so many reviews stating they do ). DO NOT TRUST Sunrise. 

Sunrise misrepresented the action they would do in order to collect money.

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 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.

Complaint:
This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed.

Accounts false and unknown. The companies have not reached out as well.

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX  removed from Experian and XXXX  and added back without my knowledge and it's my understanding I should've been notified ( Account Number : 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 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Monday XX/XX/2018 about XXXX I drove to the Bank of America located on XXXX XXXX XXXX nc to make a deposit of {$2700.00} into the ATM that is closest to the building ( ATM ID IS XXXX ). I proceeded as normal to insert my debit card into the machine and pressed the required buttons to make a deposit, as the screen reads please insert cash now I inserted a mixture of {$100.00} bills and XXXX that were equivalent to {$2700.00}, The machine abnormally took a long time and I pressed cancel, two {$20.00} bills came out the ATM and also my debit card was kicked back out the machine and the whole machine went back to its normal original screen saver, I patiently waited in front of the machine for five minutes to see if the money was going to be showing up on my account, it never did, they have a XXXX number on the Atm that I called but the Programing wasnt allowing me to press any options, so I sat there fresh rated for maybe 30 more minutes, I decided to call my wife to see if she can call the one XXXX number from the house phone she had the same results, The next morning XXXX XXXX to call the make of XXXX to make a dispute about the trans action, they told me it would take XXXX to XXXX business days, today XX/XX/XXXX I called and they said that the dispute was finished and they denied me my money, ill be quested for the cameras that on the ATM and they said it would be two more days

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 2023-08-02
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.

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2021-10-04
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 — Their investigation did not fix an error on your report
Company: Exeter Finance Corp.

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.

Complaint:
Someone open a credit card with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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.

Complaint:
Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : 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 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP

Complaint:
I sent the dispute through XXXX XXXX  XXXX to be removed due to the seven year limitation and received no response.

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 2023-05-17
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.

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2022-11-23
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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted XXXX XXXX to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by XXXX XXXX, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX  to release the vehicle. I contact Progressive and the vehicle was released on XX/XX/XXXX and picked up by XXXX XXXX on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from XXXX XXXX has reached out to me ) I was never once told that if XXXX picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - 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 explanation
Consumer complaint received 2023-02-22
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.

Complaint:
15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have 30 day late payments, I want all credit bureaus to verify & update my report deleting these late payments as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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.

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 explanation
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.

Complaint:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation