hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I had a bank of america checking and savings account. In XXXX of XXXX a XXXX  XXXX stole my wallet he wrote a {$3500.00} fraudulent check and that saturday morning 5 or 6  times went to different bank branches and atms pretending to be me as he used my id and soc sec card. Well my balance was only {$2.00} or {$3.00} dollars so of course the check bounced. 
Well he got a total of {$600.00} somehow from pretending to be me fraudulently. 
I request that you remove this error listing me as a person of fraud. B of america should look at their cameras and see that its not me. This has ruined my financial status thus causing catastrophic Ruin in my life. I have no car no home and noone will lend money to me nor can i open a bank account. Please fix this asap XXXX XXXX XXXX XXXX. XX/XX/XXXX Soc. XXXX Dob XX/XX/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 2023-03-22
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: Sequium Asset Solutions, LLC

Complaint:
On XXXXXXXX XXXX  2023 certified mail was sent to SEQUIUM ASSET SOLUTIONS to validate said debt owed to XXXX XXXX XXXX. The company has failed to respond to validate any amounts. Have not received any proper documentation. The letter sent showed my XXXX account at a {$0.00} balance. It is now XX/XX/2023 and I have yet to receive any response to my letter. Failure to validate within 30 days. 

The company also does not have proper licensing to collect debt in the state of FL as verified by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint:
The money was in my account. I provided Citibank with the correct routing and account number. An issue on their end caused the payments to be returned. I have provided documentation of the account information and balances at the time. I incurred unnecessary and unfair fees.

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 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC

Complaint:
I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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.

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 

1.XXXX XXXX 2.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ROBINHOOD MARKETS INC.

Complaint:
On XX/XX/2020 I made a Financial Transaction between my Checking Account and my Trading Account ( Returned ). I also made a Transaction ( Credit ) after and hat also has not cleared. The Transactions were  Fraudulently tampered with by Federal Law Enforcement Agents through possible DHS FISA Surveillance Warrant. At this time through FOIA Request to the XXXX for confirmation of a XXXX Warrant I would like to File a Formal Grievance with your agency to investigate this matter on purely a Financial Transaction Investigations for possible Fraud. 

The Financial Transaction Fraud I believe was enacted in were from both my Checking Account [ Insufficient Funds ] and Trading Account [ Debit Declines and Withdrawal Errors ]. By the possible Fraudulent Activity that could have been enacted on a Federal Law Enforcement and I had to investigate XXXX Law Enforcement SurveillancXXXX or Counter Intelligence Operations. 

I am currently a XXXX XXXX Student. I worked in XXXX for the XXXX  XXXX XXXX and XXXX XXXX. The Checking Account [ XXXX ] is located in Washington D.C. with an office right next door to the Department of Homeland Security who are able to Electronically Surveil Americans only if the have a Federal FISA Warrant. At this time I am awaiting determination if my Checking Account has been compromised for Intelligence Gathering Purposes and or Counter Intelligence Operations. 

The other account in question is my Robinhood Investment Account. Robinhood is a XXXX Application that allows Traders to Trade Equities around the world. The possible Financial Fraudulent behavior that was going on that and was Debit Card Denials. Also withdrawals from the Robinhood Account have not made it to the XXXX XXXX Account as well. 

Given the Robinhood Trading Applications has Risk and Min Liabilities I took to Robinhood to remedy the Errors and they have to confirm correction of error. I have documented contact with the Platform, Copies of Transactions and Spread Sheets of all Trades [ Buy/Sell ] that have yet to correct. 

I will like your Agency to Investigate Robinhood and XXXX for possible Fraudulent Warrantless Counter Intelligence Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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.

Complaint:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Business Corporation

Complaint:
I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after 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 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX  On XX/XX/2019my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats 117 points negative. 
When I called XXXX  I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to XXXX  I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of XXXX  if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like XXXX  cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on 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 2015-06-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.

Complaint:
I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY

Complaint:
I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
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.

Complaint:
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.

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 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA

Complaint:
I have been back and forth with APPLE GOLDMAN SACHS for over 1 year now. I submitted my disputes 3 different times. XX/XX/2021 I sent out letters to APPLE GOLDMAN SACHS in regards to items being charged to my account that are not my doing. They refunded me for some items and charged me for other items. MIND YOU THESE ARE ALL THE SAME TRANSACTIONS. I'm familiar with deceptive practices but this is too much! I am a single father and I work 12-13 hour days. HOW CAN THEY REFUND ME FOR THE SAME EXACT ITEM AND CHARGE ME FOR THE NEXT EXACT ITEM??? 
They even closed my account and now are making me pay {$42000.00} worth of charges I DID NOT CONSENT TO NOR HAVE KNOWLEDGE OF! Its clear as day this is a deceptive practice. How can you refund some and charge the rest when its all the same transactions! 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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: WELLS FARGO & COMPANY

Complaint:
I've discovered a credit inquiry that I did not authorize and it has damaged my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint:
EXPERIAN, I have disputed this information from XXXX several times in letter format to you giving you permission to investigate this matter that I have been trying to get resolved. It is not my problem they are unable to provide you information other than a bill. Maybe that is because they are in violation of my HIPPA rights. I have disputed them for years in regard to the lack of information they are willing to provide and you, and you as well have not verified the debt other than contacting them and asking them if it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP

Complaint:
I opened a business credit card with US Bank on XX/XX/XXXX where the terms were that if a spending threshold of {$4500.00} was met within the first 150 days, a bonus would be given valued at {$500.00}. 

Having tracked my spending with the tool provided by US Bank ( Spend Analyzer tool ), I believed that i had met the spending threshold on the credit card before the expiry date. After some time, I inquired with US Bank as to when I might expect the bonus credit to be applied to my account and I was told that I had not met the spending requirements. 

I told them that according to their own online tool ( Spend Analyzer ), I had surpassed the {$4500.00} spend requirement. After looking into it, they told me that there were some credits applied to my account that thus didnt count towards the spend requirement, even though these credits are in no way reflected in the spend analyzer tool. So in theory, one could spend {$10000.00} in purchases on the card, and let 's say you returned {$9000.00} worth of the merchandise due to a defect. Well, in their own tool, that {$9000.00} would be unaccounted ( there is no mention anywhere that refunds/credits are not captured in the tool ) and the 'analysis ' of your spending would show that you spent {$10000.00} on the card. 

I told US Bank that I thought this was misleading since they advertise this tool as an accurate accounting of transactions on the card, and was basically dismissed. I then told them that I would be filing a CFPB complaint against them and was told the matter would be referred to the president 's office and I would receive a response within 15 days. That was on XX/XX/XXXX and to date, I have not received a follow up 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 monetary relief
Consumer complaint received 2023-03-17
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:
The address of XXXX XXXX XXXX XXXXXXXX ca XXXX and the address XXXX XXXX XXXX XXXX XXXX ca XXXX are addresses in not associated with multiple fraudulent dredit cards and bank accounts were opened in my name and sent to those addresses I tried to call and have them removed but I was told they where flagged.

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 2023-06-10
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.

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-30
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.

Complaint:
Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account XXXX to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from 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 non-monetary relief