hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I have been dealing with Bank of America Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX XXXX, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( Bank of America ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.

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 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

Complaint:
Please take care of this matter on your end. I do not owe this debt to anyone. I've notified the company and voiced my concerns. 
The shows the amount of {$690.00} is in question. I had contacted the company in question and explained my position in the matter. Please stop contacting me and handle this on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Complaint:
Unfortunately, Citi does not provide a way to send them a secure message. I'll not " chat '' about my credit report, I'd rather send a message and receive a follow-up but Citi no longer offer this option. 

This is in regard to account ending in XXXX. 

I received my annual credit report and I notice that Citi is including a remark DRC DISP INVG COMP-CONSUM DISAGRS every month, since XX/XX/2017, until today. 

This is incorrect and abusive. For over two years Citi has been putting a remark, every month, that I have a dispute and disagree with it. 

Bad attitude like that leaves me with no option other than lowering, or stopping, the use of any Citibank services.

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 2023-06-17
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. (PA)

Complaint:
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 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 an account without my written instructions.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 errorsA 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. 

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Goal Structured Solutions, LLC (TN)

Complaint:
I reached out to a company that had my debt to which it told me it no longer had and that a law firm named XXXX XXXX XXXX had the account. I called XXXX & XXXX on XX/XX/2022 at approximately XXXX pm est. at the phone number provided ; XXXX. I have not received any letters or notices from this firm nor have I received any phone calls. However, on XX/XX/2022, my wife receives a phone call from this firm at a XXXX number at XXXX am est. The person that called my wife was very abusive and berated her over the phone. He cussed her and said he was not going to help her and she offered him my phone number to which he said he did not want it and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Complaint:
XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I have been dealing with a fraudulent account situation which began on XX/XX/2019 for two full weeks as of today XX/XX/2019. I was alerted by the establishment after the account was negative. I responded to the alert via the telephone bank representative. After conversing with the representative I visited the local branch. The representative of the local branch informed me that the account was placed into a negative status because of three checks that were fraudulently deposited. I placed a claim and it was denied. The investigation concluded that is was valid do to the use of my pin and card. I went a step higher and spoke with the representative at the executive office. Upon their investigation the conclusion was deemed as valid also. I expressed to the local branch as well as the executive branch the thief has no regard for integrity. He or she does care that there is microchip for the purpose of identification nor my pin has been hacked by following the pattern. I have contacted the Federal Trade Commission also currently awaiting a response. All other precautions have been taken ranging from freezing my credit reports to contacting the Consumer Finance Department.I am seeking all avenues to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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. (NY)

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020

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 2020-11-25
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. (FL)

Complaint:
Experian continues to report this inaccurate, unverified account on my credit report which is not reporting on my other credit bureau and creditor continues to not show verifiable proof that account belongs to me. Experian continues to report this information which is hindering my ability to have similarities in my credit score among the bureaus. They are not able to substantiate this information as it has not been verified and needs to be deleted under federal law of the fair credit reporting act.

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 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
I charged a pool renovation to my  American Expres  XXXX  card. The pool company charged {$2100.00} more than we had agreed. I tried in good faith to resolve this with the pool company with various emails but they slow in responding and finally unresponsive. I put this amount into dispute with  American Express . The pool company refunded {$730.00}, which left {$1400.00} still in dispute.  Amex  then wrote to me ( letter attached ) saying " we have no further recourse with this merchant due to the timeframe  XXXX  which we were contacted to open this billing investigation. '' Please note that the fraudulent nature of the charge is not in dispute - this claim was denied ONLY due to the timeframe in which it was opened.     I opened this dispute in  XXXX    XXXX  . However, I previously called  American Express  about this dispute on  XXXX   XXXX ,   XXXX  . There is still a note in the file that I called on this day and the call was recorded. On that call, I told the agent that I was still discussing this dispute with the merchant but I was concerned that the timeframe for putting the charge into dispute would expire. The agent told me that I SHOULD NOT BE CONCERNED ABOUT THIS, BECAUSE THE NATURE OF THE DISPUTE DID NOT SUBJECT IT TO A TIMEFRAME. She went on to tell me that I did not have to put it into dispute at that time. This can easily be verifie d - American Express  can provide the script of the call I made to them on  XXXX   XXXX ,   XXXX  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (NV)

Complaint:
On or around XX/XX/XXXX, our company closed an office in XXXX XXXX, CA and terminated relevant services. Internet and various utilities. On XX/XX/XXXX I received an email from McCarthy, Burgess & Wolff ( hereafter MB & W ) saying that a XXXX bill was unpaid. After reviewing the very " grainy '' documents they provided, it appears that XXXX XXXX XXXX continued to bill after service was discontinued, applied my {$250.00} deposit, and then continued to bill long after service was terminated. 

I immediately ( same day. XX/XX/XXXX ) replied to their email asking for more documentation. I received no response. 
On XX/XX/XXXX, I left a voicemail with the agent assigned to me in the letter. I received no response. 
On ( I believe ) XX/XX/XXXX, I left an additional voicemail. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received not response. 
On XX/XX/XXXX, I sent a letter via USPS with tracking and signature confirmation. I received no response. 

From my written, delivered, and signed-for letter sent to MB & W " To recap. The documentation you sent was very grainy and difficult to read. It would appear that this account was still being billed after being closed. I am requesting the invalid billing be voided, and my {$250.00} deposit with applicable interest be refunded. " To date, excluding the original email I received from MB & W, I have not received any response to any of my inquires. No emails, no postal mail, no callback. 

From MB & W Account XXXX, File XXXX, Invoice XXXX Contact Information : Agent listed XXXX XXXX Website : http : //www.mbandw.com/ Mailing Address : McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Ohio XXXX USPS Tracking with Signature Confirmation : XXXX " Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX, OH XXXX. The item was signed for XXXX XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (TX)

Complaint:
On XX/XX/XXXX, myself, my mother and ex husband were called from The XXXX XXXX in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for Continental Finance credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO HARRIS BANK NATIONAL ASSOCIATION (TX)

Complaint:
Company auto charged me for {$75.00} fee for annual club rewards. This is a Corporate card and I'm no longer with the company and so the account is closing I'm 60 days. 

I've called and requested a partial refund. I was informed that Diners Club doesn't reimburse or prorated these fees. I requested documentation to support that policy. I was talked to rudely from that point and placed on hold for 40 minutes before suspeciously being disconnected.

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 2020-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harris & Harris, Ltd. (NV)

Complaint:
Good Morning, I have a very strange and particular problem which I have found no answers in a XXXX search. I will try to make it as short as possible. 

in XXXX got pulled in XXXX XXXX where I live. Forgot my purse and was ticketed and XXXX XXXX XXXX for Expired Drivers License and No prof of Insurance. Went to court and began to pay fines per month. Here is where the disaster begins. Lost my job and could not make a payment, ticket went to XXXX  and cost me an extra XXXX. After that the city of XXXX XXXX refers the fines to a collection agency Called Harris and Harris in XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX. Got back on track and began to make payments to Harris & Harris.. My fines were approx. 2,400.00 when it all began. Basically, 2 parking tickets, the Driving expired license, and No prof of insurance. 

Paid XXXX per month to Harris from XXXX to XXXX or XXXX. In XXXX a medical issues set me back and I called Harris & Harris to ask for a day delay in payment. I was told absolutely NOT. If they were not paid they Contact the court and have another XXXX  issued for failure to pay fines, which it totally understandable. 

Imagine my surprise when I received my tax refund and called the Courts to find out my balance. I was informed by the court that they have NOT received a payment on the Driving on the expired license, no proof of insurance SINCE XXXX. I have paid Harris and Harris over XXXX towards XXXX in total fines. They now say I currently own something like {$1600.00} on the expired license and XXXX on the no proof of insurance. The numbers from the Court show XXXX / XXXX total due. 

Harris & Harris had my birth date incorrect, my address wrong and does not have all the payments I have made. THey have not contacted the court, they took my money failed to pay correctly which ended up in a XXXX. They should be responsible for the extra charges inccured for payment I made to them, they just didnt pay the court. 

The level of stupidity is amazing, this is not my credit card but a court fine and my FREEDOM, I asked them to contact the court and for a full accounting two weeks ago and I have received NOTHING. The currently is a XXXX  fee, of XXXX for not making a payment when I have. 
What can be done here? I think at the very least my XXXX  fees incured because of failure, incompatence and or abject stupidity on behalf of Harris and Harris should be returned to me fourthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

Complaint:
I opened a XXXX store card in XX/XX/2019. The company they use is Comenity Bank. I was sent the first statement in XXXX. The due date was too soon after receiving the bill and I was one month late paying my initial purchase bill. I paid the full purchase balance off with the first bill. I was charged a late fee and a finance fee. This was in XXXX of this year. Since then, they have continued to charge me a late fee and finance charge even though I had already paid off the original balance. So I am being charged a late fee for paying a late fee late- and a finance charge on the late fee. Even though there has been no balance to finance. I have proof off all transactions to show this. I called the company to attempt to settle and was told there was nothing they could do. This call took place on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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. (CA)

Complaint:
The credit bureaus stated that they will start removing XXXX XXXX of XXXX XXXX. As a gesture of goodwill, I am pleading with Experian to remove this account from 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
Consumer complaint received 2022-05-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Complaint:
I have no knowledge of these 2 accounts that Portfolio Recovery is reporting that were opened fraudulently. I received notifications in the mail that they were open, but they do not and never have belonged to me. I want them off of my credit report.

Company response to consumer: Closed with explanation