hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Complaint:
I have filed a recent CFPB complaint on Bank of America, I had my card reported to Bank of America as being lost and certain transactions I never did and nobody ever handled my issue and I was transferred constantly to department to department and I was ignored about my situation, I reported to several people and nothing resolved and my card was lost and I spoke to customer service and card services about it nothing done and I found the hard when my account was closed and nothing was sent to my house to inform me that the account was closed I just recently had a woman from the compliance department call me an antagonized me on the phone and called me a liar I 'm going to file complaints with other agencies about this situation when I tried to explain what happen I was called a liar and said I made transactions in when I told her I did n't she admittedly went off on me and sent a correspondence to cfpb which I want a supervisor to give me a call because Bank of America did not resolve my situation I do n't appreciate how I was treated I will other complaints this tells I ca n't trust Bank of America do to the fact of how my situation was ignored and how it was handled by the rep which when I ask to speak to a supervisor I was hung up on I 'm very frustrated and angry because I reported what happened to me and nothing was done but I was accused by the rep that called and did not listen and did not care I want a supervisor call me or I will get in touch with corporate to file a complaint against the rep

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
I sent a letter o XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-11-18
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: DISCOVER BANK (FL)

Complaint:
Someone tried to apply for credit with my social security number without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (GA)

Complaint:
Ability Recovery Services re-aged the date of delinquency to XX/XX/XXXX, when the actual date of delinquency was between XXXX. The amount of the re-aged debt shows an amount owed of {$5600.00}. Attempts were made to request documentation for said debt to show the date of delinquency in XXXX of XXXX and in XXXX of XXXX. With a dispute also being filed in XXXX of XXXX, which I am still waiting on notification of outcome. The agency has avoided and evaded all attempts to provide any documentation. The illegal actions committed by said agency have impacted my ability to obtain federal employment.

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 2020-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

Complaint:
Credit card was closed by bank w/o warrant so I reciprocated but every time I call or live chat I just got the run around now I have XXXX  out balance and am received monthly maintenance fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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. (GA)

Complaint:
I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I have XXXX XXXX XXXX. I was in the process of 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 in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in XXXX XXXX XXXX and XXXX XXXX and found out my Medicare had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC (DE)

Complaint:
On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting. 

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 2022-08-29
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. (GA)

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.

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 2023-01-01
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: Experian Information Solutions Inc. (PA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
A month ago I opened a business account with Bank of America. After depositing {$15000.00} into the account at branches while waiting for card tied to acct to arrive in mail. I needed to send a wire transfer to purchase equipment to build my small business. I went into the bank branch and was basically told that I could not send a wire transfer without the card. I was told to just wait a few more days for the card to arrive. After waiting a full week more for the card I went back into the branch and was told again I couldn't send a wire transfer from my business acct without the card. So I transferred the balance of my business acct to my personal checking acct and was finally able to send my wire transfer. This delay cost me {$1000.00}. An amount that as a small business definitley hurts. To this I was just told " sorry ''. After finally being able to use my own money through my personal checking acct I closed my business acct with Bank of America. Still keeping my personal savings and checking accts while I found a new banking institution to take my business to. The next evening I tried to purchase a {$2.00} stock photo for my business website with my debit card only to be told there was a problem with my card. I have now been on the phone with Bank of America XXXX service for close to an hour because for some reason, ( no one can tell me why ... ) my debit card was cancelled. There are no notes or reasons on my acct as to why it was cancelled. Basically leaving me with no access to my funds since I left the bank yesterday. They have told me they can not turn my card back on, but can send me a new card. No, I can not wait who knows how long for a new card to access my money. Money that the bank has no problem letting someone else use for their profit. so as of now I have no access to the {$12000.00} in my checking and savings acct. Also now since my card has been turned off none of my saved payments ( Mortgage, cell phone, etc ) will work. If this is not resolved soon I will end up with a late payment to mortgage company that affects my credit and livelihood. This is the most unacceptable treatment of a customer I have ever experienced. And at this moment Im being told by XXXX ( would not give me last name and would not transfer me to his boss ) that there is nothing they can do to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (CA)

Complaint:
As of today report showing accurately total revolving credit utilization of XXXX out of a total of XXXX in credit limits. 
However, it is falsely reporting this 46 % utilization ratio as 100 %, resulting in reporting of credit score over XXXX pts lower than it actually is. 

Separately, XXXX XXXX  is being falsely reported as late when creditor has confirmed it as current as of XX/XX/22 XXXX, XXXX XXXX is being falsely reported as late when creditor has confirmed it is current as of XX/XX/22 The total effect of these false items is a reporting of credit score over XXXX pts lower than it actually is

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 2019-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (OH)

Complaint:
Receiving calls from this number daily, they tell me its from a debt collector with no other information given, Im being harassed and would like it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Complaint:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems & XXXX XXXX XXXX report. I have attached documents to verify my identity

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 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
It has been drawn out into the open that you are not hindering items 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 items 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 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}

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 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

Complaint:
I would like to make the complaint to XXXX  XXXX XXXX, XXXX XXXX-CA and National Credit System regarding my scam debt. 

I did not sign the lease agreement and moved it or took the room key, but they put me on collection. I did have a apartment tour, before they asked me to sign the tour papers. They did not explain or disclosed what in the papers, and I got their debts on my credit report as collection {$570.00}. 

They were scam. 

Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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. (MD)

Complaint:
In accordance to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct Account number XXXX XXXX  XXXX Acct Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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. (CA)

Complaint:
In accordance with the fair credit reporting act the following companies listed below, " Equifax Information Services LLC '' have violated the following FCRA laws. 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) IN ACCORDANCE, WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. The Following Inquiries are Unauthorized, Unverified, Incomplete Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (GA)

Complaint:
I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation