hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I use Bank of America and have been a customer since XXXX. I use the mobile banking app nearly 100 % of the time as there is a fee if I enter and use the branch. I use RDC ( remote deposit capture ) feature in the mobile app to deposit my bi-monthly paycheck. Today I tried to deposit my paycheck. Because there is a {$10000.00} monthly limit on RDCs, I was unable to deposit my paycheck. What happened is that I recently received a raise and now my checks are large enough that they add up to over {$10000.00} a month. I called to ask for the RDC {$10000.00} limit to be raised but the phone rep and the supervisor both told me it ca n't be raised. This is my primary complaint. How is it that a Bank will limit me from depositing my standard bi-weekly payroll? 

Second issue, I was then guided to make the deposit into a linked joint account that I share with my XXXX XXXX XXXX son. I was told that once the RDC transaction shows to the bank after the nightly processing, the next morning, the check image is available. They told me that I can then call in the morning and ask to move the deposit into the originally intended account. However, when I called back, the rep on the call said this could not be done. The rep then said the funds would not be available for 5 days. However, when I deposit my payroll check into the originally intended account, the funds are available next business day. 

So, the artificial {$10000.00} limit on RDC has cascaded into a series of bank blunders that have caused me to deposit my payroll check into an unwanted account and now the money is locked up in this account. The rep furthered that a lot of bank policy changes took place in the beginning of XXXX XXXX. However, I was never notified of these changes. '' It 's these kind of inflexible rules that hamper consumer banking. It 's difficult to make simple deposits ... and then the customer is forced into a branch to do basic consumer banking. 

Please help, 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 explanation
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
On XX/XX/2020 I noticed 3 XXXX  transaction charges on my account all to the same number, totaling {$4000.00}. When I noticed this I immediately contacted chase to tell them I did not authorize any of the transactions and that my account was now overdrawn by {$4000.00}. I filed a claim with chase. On XX/XX/2020 I received a letter saying they will not give the money back because they think I authorized these transactions, which doesnt make any sense at all. Im not sure what they looked at to determine I authorized the transactions, but it doesnt matter because I did not do this. With a global pandemic and being a XXXX XXXX XXXX with two jobs, I can not afford to be {$4000.00} in debt for money that I did not transfer. I can not even receive my paychecks for my jobs because my direct deposit is wired to my now locked account, & theres complications with editing my direct deposit info with both jobs. Thanks to Chase, my account is now locked, and my account still overdrawn my {$4000.00}. I have been trying not to panic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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. (MA)

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
Hell and happy Saturday! I'm not sure what's going on but i noticed that this collection from PRA on behalf of XXXX XXXX is still reporting on my XXXX  report. It was deleted and then re-appear without notification. I had called, email, fax and mailed out the letters! How is it possible that it still reports on my credit report whereas i haven't received any proper notification and none has responded to my investigation? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kimball, Tirey & St. John LLP (CA)

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KIMBALL TIREY & ST J has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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. (CA)

Complaint:
I have been violated for almost 2 years, Equifax, XXXX, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a XXXX XXXX. I demand a {$1000.00} violation for Equifax, XXXX, and XXXX for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (OK)

Complaint:
I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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. (NY)

Complaint:
Hello, I received my Transunion consumer report and noticed that they have an incorrect spelling of my name. I contacted Transunion to dispute/remove this, and they informed me that they couldn't do it. I understand that it is the responsibility of the credit reporting agencies to ensure that the information is accurate, as listed in 15 U.S Code1681. The spelling of my name has never been anything other than XXXX XXXX XXXX. Please remove the incorrect spelling of XXXX XXXX from my TransUnion consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXX XXXX  Acct # : XXXX XXXX  Acct # : 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 2017-06-17
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: Nelnet, Inc. (FL)

Complaint:
Company does not have authority and contract is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (NY)

Complaint:
rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
My husband is in the XXXX and has been XXXX  in XXXX, XXXX and XXXX  in the last 3 year. We originally were in XXXX  and that is where the Bank of America accounts were opened. I have 2 accounts for my minor children, one for my now XXXX year old daughter and XXXX year old son. With all of the address changes we have not been getting statements for quite some time, but I did not think I needed to be concerned because both accounts are not supposed to have monthly fees. I recently got the XX/XX/2019 quarterly statements and my son 's account is being charged {$5.00} per month and the balance is down to {$40.00}. His account originally had more then {$200.00} and we have not made any withdrawals. My daughter 's account has not been charged this monthly fee. I called Bank of America 's customer service number and was told they can not reverse the fees. They also can not explain why 1 account is being charged while the other is not and if I want to talk to someone in person I have to go to XXXX  where I opened the account. We are XXXX  in XXXX  so I can not do that. Customer service also would not do anything to even fix the fee issue going forward. I asked how long have the fees been charged and they could not tell me that either. I also looked on their website for XXXX  savings accounts and there is no fee for {$5.00} listed on their fee schedule. So not only are they taking money from a child, but they are not complying with Truth in Savings by listing all current fees.

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 2022-02-17
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 XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2019-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Yes my name is XXXX XXXX and wells Fargo claimed I open an account that I never opened I would like it taken of my XXXX XXXX report and compensated

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 2022-12-25
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. (PA)

Complaint:
I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

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 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 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 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (TN)

Complaint:
Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

Company response to consumer: Closed with explanation