hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Complaint:
Beginning of XXXX I received my income tax on Venmo banking app. It was XXXX XXXX XXXX. I purchased was withdrawing money slowly paying bills and bought a car, eventually I was left with {$850.00} on my account and Venmo froze my account and said they were freezing my account do to suspicious activity and that I needed to upload photo of my drivers license to confirm my identity, keep in mind that was my rent money, i almost got evicted from my home and they did not care. So then I uploaded my drivers license to confirm my identity and when I did that they complete restricted my account from doing anything and said they are keeping my money and I cant do anything about it Ive tried many many times to get them to release my money to me atleast since I did as they asked and provided my drivers license to confirm my identity and on top of that never even did anything wrong or violate any of their terms or rules. They are refusing to realese my funds to me and every time I email them theyd end me the same copy and pasted email about how my funds are no longer available to me and they are keeping them. Please help I had to get a loan to pay my rent and I need those {$850.00}. My Venmo account information is Name XXXX XXXX My XXXX XXXX XXXX XXXX  Email on account is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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. (DE)

Complaint:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: SYNCHRONY FINANCIAL (PA)

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2023-04-02
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. (TX)

Complaint:
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 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

Complaint:
This is the SECOND time this has happened with this company. 

This time, it is an XXXX XXXX XXXX bill. 
XXXX Acct : XXXX Afni Acct : XXXX {$35.00} balance due. 

Just like last time with XXXX, I called the one who is allegedly owed a debt, XXXX XXXX XXXX. 
They said that the account number wasn't a correct account number and therefore couldn't verify anything. I confirmed that they had no number with the name and they sent me to a fraud reporting line. 

I tried calling AFNI. They sent me to a supervisor 's line, but the supervisor wasn't there and it went to email. 

Please keep me informed on the results of this complaint in case I wish to pursue legal action. This is the second time I've had issues with this company. Last time, they threatened legal action against me if I didn't respond within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I have had my identity stolen. Someone opened multiple accounts with Bank of America in my name and then used it for fraudulent purposes. The accounts were closed by the bank due to fraud but it has negatively impacted my credit tremendously. I have spoken to the bank and their investigation may take months. 

The perpetrators used an expired ID card in my name apparently so the accounts should never have been opened in the first place. I need help. 

Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Bank Name : BANK OF AMERICA CALIFORNIA Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For CauseXXXX 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 2019-05-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XX/XX/XXXXXXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (SC)

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: In progress
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
After having received 3 emails from Capital One to apply for a credit card that was ideal for my Score, i applied on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, i was denied a credit card without explanation. I did a research and found out that Capital One is on of the credit card Companies that Discriminates against Non XXXX  Americans and especially XXXX   like myself, plus is Misleading and Dishonest on the explanation given after they decline the application. Since i didn't received an explanation from Capital One i called Capital One after every time i applied but their representatives were Rude and Misleading of to why my application was denied. It seems like another Crooked and Fraudulent Wall Street Company who does business without any respect of the " Weak Consumer Laws '', not to mention that Capital One Defrauds credit card holders with their Sky high interest rates 25 % -30 % and fees while borrowing money from the Government with 0 %. After all that's why Capital One and other Financial Companies Bribe Politicians so they will Defraud consumers with Immunity. It would have been better to do business with Mafia than with Companies like Capital One, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC (IL)

Complaint:
XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO HARRIS BANK NATIONAL ASSOCIATION ()

Complaint:
On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id. 

I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. 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 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Complaint:
I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.

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 2020-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

Complaint:
Today XX/XX/2020 I deposited a two party check with my name and XXXX XXXX XXXX and Wells Fargo NA from XXXX XXXX XXXX for an insurance claim settlement. The check was for {$3700.00}. 
I was told by XXXX XXXX NMLSR ID : XXXX who is the branch Manager that I would have to wait until tomorrow XX/XX/XXXX to be able access the remainder of the funds. She did not know why and had to contact someone outside of the branch to inquire what the rule or law was. She did not know what the Wells Fargo policy was and why {$3300.00} was being withheld. I believe this to be in violation of Regulation CC ( 12 CFR part 229 ) implements the EFA Act and the Check Clearing for the 21st Century Act ( Check 21 Act ). [ 1 ] Subpart B of Regulation CC implements the requirements set forth in the EFA Act regarding the availability schedules within which banks [ 2 ] must make funds available for withdrawal, exceptions to those schedules, disclosure of funds availability policies, and payment of interest. The EFA Act and subpart B of Regulation CC contain specified dollar amounts, including : ( 1 ) The minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits ( minimum amount ) ; [ 3 ] ( 2 ) the amount a bank must make available when using the EFA Act 's permissive adjustment to the funds-availability rules for withdrawals by cash or other means ( cash  withdrawal amount ) ;

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 2018-08-10
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: Experian Information Solutions Inc. (IL)

Complaint:
I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX  DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 10 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX   DATE : XX/XX/XXXX INQUIRY # 22 XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I XXXX XXXX XXXX HAD MY EDD BENIFITS STOLEN FROM.XXXX XXXXXXXX TILL XX/XX/XXXX. SOMEONE STOLE MY IDENTITY AND STOLE MY EDD PREPAID BENEFITS CARD AND STOLE ALL OF MY BENEFITS. BANK OF AMERICA CALLED ME TO IDENTIFY MYSELF IN THE BANK WHICH I DID AND FOUND OUT THAT MY EDD MONEY WAS STOLEN. I WAS DENIED MY CLAIM FOR BANK OF AMERICA TO RETURN MY FUNDS THAT QERE STOLEN. I HAD NO KNOWLEDGE OF THE PERSON WHONATOLE MY FUNDS NOR DID I GIVE NO ONE PERMISSION TO USE MY CARD OR ACCOUNT. I APPEALED THIS ON XX/XX/XXXX WITH EDD AND BANK OF AMERICA. 
XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately update this item from my credit report. It has been over 30 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that Equifax credit bureau report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be fixed immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (DC)

Complaint:
I had an account with XXXX XXXX XXXX that was charged off due to financial hardship and in XXXX XXXX 2017 I paid the debt collector XXXX who has failed to notify the original creditor ( XXXX XXXX XXXX ) that the account was paid in full. I have tried to reapply for a XXXX XXXX XXXX card as I need to rebuild my credit and now XXXX XXXX XXXX advises me that they ca n't remove the mark that my account has been charged off even though I have paid the account off. I have sent XXXX XXXX XXXX notification that the account has been paid in full and they said they have no record of the account being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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