hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
On XX/XX/2020, Bank of America closed my newly opened checking account just days after depositing a cashier 's check for {$5000.00}. I deposited the check on XX/XX/2020 and a hold was placed on the check until XX/XX/2020. On the morning of Wednesday, XX/XX/2020, Bank of America closed my account without notice after completing 2 transactions. I completed an ATM Withdrawal for XXXX, and a debit card purchase for XXXX. Shortly thereafter, I went to my local Bank of America branch to complete a teller Withdrawal. I was advised by the teller my ATM pin was incorrect and my balance was negative. When I disputed this information, I was told to speak to a banker. After speaking with a Banker, I was told the account was frozen and we needed to contact the identity theft department. Upon calling, the banker was advised that my account was closed and no further information could be provided. A check would be mailed out to me. No more detail was provided in regards to the account closure. I received correspondence from Bank of America that an additional hold was placed on the check until XX/XX/2020. It has been more than 2 weeks since depositing the check and I have yet to receive my funds in the amount of {$4100.00}

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 2022-08-10
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. (NC)

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure

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 2021-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (MI)

Complaint:
My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$0.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO 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
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IN)

Complaint:
XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name. 
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX 
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill. 
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called. 
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is  reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response. 
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ). 

The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (CA)

Complaint:
Commonwealth finance is reporting a debt that is alleged to have been open in Texas in XXXX and I have not resided there since XXXX. The original creditor could not provide proof which is why the account had already been deleted. Now commonwealth is reporting with false dates on one credit report and on another the entire file is basically blank. I never evieved correspondance from the bedt collector giving a 30 day notice of insertion with the ability to dispute or a dunning letter. In light of the false and incomplete data reported by law the bureaus must remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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. (IN)

Complaint:
I have submitted a dispute three times that this account was not included in a bankruptcy   that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy.  My bankruptcy  was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX XXXX. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor XXXX will correct 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 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Complaint:
I received a letter in the mail from a debt collection agency stating that I owed {$400.00} and they would reduce the debt to {$200.00} if paid in a timely manner. This is for a utility company that I have never had an account with at an address that I have never lived at.

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 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-06-12
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. (NY)

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Complaint:
Experian has corrupted my data not allowing me any method to sign in get my report or dispute. Yet, they send me messages to check my dispute. XXXX! " Sorry, but that didn't match up. Please try again. 
Date of birth XXXX Social security number. They can not find wothvny correct information

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 2020-01-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Americas Car-Mart, Inc. (AL)

Complaint:
Account opened : XX/XX/XXXX Amount : XXXX I have sent out XXXX letters asking to have debt removed from my credit to seek relief and monetary damages, & the company has failed to verify items. Ive sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Complaint:
I'm trying to buy a house and noticed several inquiries that were unauthorized. According to 15 U.S.C 1681 law, there should not be any damages on my report.

Company response to consumer: Closed with explanation
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. (ND)

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 2023-02-21
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. (AZ)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2023-05-15
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. (DC)

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you 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, and I'm including it again XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

Complaint:
In 2014 (? ) I opened a XXXX XXXX  XXXX for dental work. I was a recent widow and did not have dental insurance nor did I have a large bank account. Before I knew what was happening I was at the dentist every week and racking up a huge bill. When I realized I could not make a payment I called the company right away to let them know. I even wrote to them to work out a different payment plan until I found better employment. 
They would not work with me so they reported bad debt to the Credit Reporting agencies and sold my account to Credit Corp. At the same time they were still trying to collect from me. When I questioned that they told me since they sold it for less than what was owed they were permitted to do that. 
I worked out a payment plan that I could afford with Credit Corp and was making my monthly payments for over a year. In fact they would deduct it from my account. When I got laid off from my job due to the Coronavirus I called them to let them know that I would not be able to pay and that the checking account was also going to be closed. I would start making them again when I could. They told me I still needed to make them regardless. Now I am getting phone calls and mail regarding this. With all the payments I have made this is hardly impacted the dollar amount and it may have risen. 
Is there anyway to make these people cease harassing me until the pandemic is over? 
I have gone back to work but since it is commission based I am not earning a commission and don't see that happening the future. It's going to be a while before I can start paying again and I don't want them or XXXX XXXX to post negative remarks to my credit report again. 
Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Unlimited Progress Corp (AZ)

Complaint:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

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 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
I called chase to change the date on my automatic payments from the XXXX of every month to the XXXX, chase advised that the change I requested was processed. The following month I realized my automatic payment for the XXXX was not drawn from my account. I called Chase to follow up on what was going on and they explained that the automatic payment they said they would set up for my account was never processed, therefore they reported a late passed due payment. I have never missed a payment on my auto loan and due to their poor customer service a unjustified late payment was reported. I have already fixed the issue and my account is up to date but chase made me aware that although this was an error from their behalf the could not remove the late payment reported. Please help with the matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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. (TX)

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Optio Solutions, LLC (NY)

Complaint:
called by this debt collector told him not to call after XXXX and he became abusive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (NV)

Complaint:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX   (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX

Company response to consumer: Closed with explanation