hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
I had filed a complaint a few months ago about my bank. 
Back in XXXX and XXXX and XXXX of 2021 my bank account was hacked by someone and I had noticed it in XXXX. I had filed many disputes from XXXX till XXXX possibly into XXXX and I had filed a police report about it in XXXX. Due to not having all of my bank statements they had made a report for over XXXX $ which all together XXXX $ was the whole total. The bank had told me that it was not fraud and it was authorized when it wasnt. It was and is fraud. Once I had noticed it I had called right away. Ive gone into the bank in late XXXX all the way into XXXX mid XXXX to file another dispute to try to get my money back that was stolen from me and the women whom I spoke with said she had filed another dispute and when I had called customer service they said there wasnt an open case. Which there should have been. 

XXXX $ was stolen from me out of my savings account into my checking account which was taken from cash app. To 3 people who I have no idea whom they are. ( sherod young, XXXX XXXX and a XXXX psychic. ) Ive contacted a lawyer and the police department about all of this and I still have yet to receive my funds back nor heard from anyone about this on going issue. All I want is it solved and my money back that was stolen from me and my children. Im filing this complain and will be filing with the treasury of banks and with the state attorneys office and the USA department of treasury to see what else I can do to get my funds back. The funds that were stolen I DID NOT AUTHORIZE for cash app. Ive contacted cash app and they have nothing for protection and had told me to contact my bank and get help that way. I had letters from the bank stating that they had looked into it and seen that fraud wasnt a factor and I contacted them again to talk to someone about it and XXXX has contacted me to talk to me about it. Ive been waiting since my last dispute to speak with someone and no one from td bank has reached out. Im a single mother of 3 kids and I work very hard for my money to support my family and for my bank not to help me and get my money back for my children is disgusting to me. Td bank lets people steal money from people and let them get away with it and blame the person whom is fighting to get there funds returned when its not the persons fault. They should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account name : 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, 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 explanation
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (PR)

Complaint:
Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.

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 2022-03-09
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. (LA)

Complaint:
I previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : 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 Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : 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 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: Experian Information Solutions Inc. (CA)

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MA)

Complaint:
Comenity took over from my XXXX XXXX XXXX account. they did not respond at all to my email about such transfer. no new card. i do not get regular mail on a timely manner. called after receiving finally opening my mail. statement had no account number and late fees had incurred. website felt sketchy to sign into. upon calling customer service they credited my late fee. i feel they had email and phone number to contact me directly. especially after they supposedly sent out a new card but never activated few months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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:
As a result of the 2017 Equifax Data Breach, Equifx notified me that my personal information may be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.

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 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NM)

Complaint:
After opening a brokerage account at XXXX XXXX, I was offered to sign up for their XXXX American Express credit card with the employee. We went ahead and processed the application. Was not told of or mentioned any restrictions. The offer was for XXXX MR points after {$5000.00} in spend per the terms I was given. 

On XX/XX/XXXX around XXXX I gave American Express XXXX a call to confirm the promotional offer was on my card and was confirmed by two different agents AND was given the promo code on my account, which was XXXX : XXXX I've met the {$5000.00} minimum spend by a lot and was not given the points that I was advertised. American Express employees confirmed with me on XX/XX/XXXX on a recorded phone cone that I was eligible for the promotion and that no issues existed. They should be held responsible for their advertisement and what they told me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Complaint:
I have submitted a XXXX XXXX XXXX ( XXXX ) to Fed Loans and they have not updated my payment count to reflect my previous counts prior to consolidation ( XXXX ). I called today and spoke with XXXX ID # XXXX and he hung up the phone. I called back and spoke to XXXX ID # XXXX and she told me that she needed to transfer me to XXXX XXXX XXXX XXXX ( PSLF ) area. I was then spoke with XXXX ID # XXXX and she said that she was not in XXXX and she transferred me to XXXX ID # XXXX and she basically told me that Department Of Education ( DOE ) will make the updated payment counts and they have no control over payment counts. She went on to tell me that it is nothing that I can do. Her nonchalant attitude prompt me to ask for a supervisor. At this point, I spoke with XXXX ID # XXXX and she said she was with the Service Recovery Line and that the payment count would be updated by DOE because they are overwhelmed with calls right now and DOE is focused on everyone 's loans at this point. 

They consistently pointed out that they are ending their contract. Why not end it now, so I can get the appropriate paperwork completed on my loans before the program ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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. (NC)

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Complaint:
I sent a letter to TransUnion about a month ago to clear up my personal information and havent heard anything back yet.

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 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Complaint:
As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Complaint:
XXXX XXXX, XXXX @ XXXX XXXX legitimate business to check your credit .credit is not bring reviewed by a prospective lender .laon application number XXXX XXXX And XXXX declined by XXXX XXXX XXXX XXXX XXXX XXXX decision XXXX decision experian bankruptcy applicant XXXX approved credit investigation medical records {$26000.00} no treatment five hospitals district of columbia

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 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (MN)

Complaint:
I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Complaint:
I have an inquiry from XXXX XXXXXXXX XXXX in XXXX XXXX, SD on XX/XX/2022. I did not apply for credit with this bank. When I received the card I immediately called and informed them that this was fraudulent activity and I hadnt applied. They told me it would be taken care of. The hard inquiry is still showing on my TransUnion credit report as of XX/XX/2022. It appears that they only closed the the account and did not scrub the inquiry.

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 2022-12-22
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. (IL)

Complaint:
My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in XXXX business days, thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
In short, the matter is about an unfair decision in my view regarding the closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Bank of America, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts in addition to 4 credit card accounts, and I was even asked to take my belongings from the safe that I was renting, which caused a huge loss in addition to moral damage.

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 2020-10-27
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. (TX)

Complaint:
I received an alert from Experian a few weeks ago that a collection item was added to my report but when I try to file a dispute online I receive a response telling me that I must call them ( Experian ) to dispute but when I call them, no one answers. Every number they provide is automated and no one ever picks up the call which is very frustrating and Im being denied credit because of the error on 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 explanation