hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Complaint:
On XX/XX/22 my Bank of America account was hacked in the amounts of {$400.00} and {$670.00}. I filed a claim with the institution and provided all documents they asked for however they denied my claim. I called back and it was reopened and I havent been contacted going on two weeks. I am on fixed income and this has caused my house note to be behind.

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 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Complaint:
My family ( my wife XXXX XXXX and I are join account holders ) has been a costumer of Citibank since XXXX. On or about XXXX XXXX, on daily basis, up to 10 transactions a day amounting to thousands of dollars in total, at same/similar location in another State ( WA, we live in CA ), minimal amounts were withdrawn ( presumably to game the Citibank 's substandard security ) from our checking account without our knowledge or consent. Citibank never raised any alarm nor notified us at any time of these highly suspicious transactions. 
When we found out after receipt of monthly statement and immediately raised the issues with Citibank, filed a police report, provided declarations under penalty of perjury that we did not have knowledge or authorize subject fraudulent transaction, local Citibank representatives assured us on record after review that it was very clear that were we victims of fraud and Citibank would credit us for the fraudulent transactions. 
However, later on via letter dated XX/XX/XXXX Citibank informed us that subject fraudulent transaction 'appear to be consistent with your normal banking activities. ' Furthermore, subject Citibank letter noted : 'YOU ARE ENTITLED BY LAW TO OBTAIN COPIES OF THE INFORMATION USED IN OUR INVESTIGATION. ' Despite our repeat written and telephonic request to date that Citibank comply with applicable law and provide us with 'copies of the information used in [ its ] investigation, ' Citibank has refused to comply with applicable law to provide requested information. 
As of today, I have been deprived of nearly 50hrs from work and family to address this matter to no avail. In short, Citibank has a failed and substandard-in-the-industry security in place allowing thieves to steal our money. When my family found out and notified Citibank, instead of crediting us for the amounts, Citibank defamed my family by implying we are not being truthful, failed to reimburse us, and refused to comply with applicable law and its own letter in providing us with 'copies of the information used in its investigation. ' Nor could Citibank without doubt affirm that its own employees and/or agents with insider knowledge ( withdrawing minimal amounts ) were not involved in gaming its security to commit subject theft ; thus my families plea to CFPB for assistance ; thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
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:
I am a veteran and all my school loans should have been paid or reimbursed though military.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (MI)

Complaint:
This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The listed items are erroneously placed in my file and I believe they are sorely mistaken

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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting 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 XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: In progress
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (UT)

Complaint:
Ive contacted Equifax on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as Equifax investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: WELLS FARGO & COMPANY (FL)

Complaint:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are thieves and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. WELLS FARGO proved themselves to be thieves. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the executive gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! Wells FARGO we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff can't even eat! and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

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 2021-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Central Inc (MS) (MS)

Complaint:
i check my credit report and notice a inaccurate item from credit bureau XXXX XXXX XXXX and sent them a dispute letter on XX/XX/2021 for the alleged debt of {$59.00} that i do not owe.as of XX/XX/2021 i haven't heard or gotten anything that i requested and i have attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : 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 2022-03-11
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. (WV)

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and negatively impacting my credit score. This information is not information relating to any transaction by 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 non-monetary relief
Consumer complaint received 2019-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

Complaint:
I made all my payments on-time, I never missed any payments. I called XXXX and they even confirmed I do not owe any balance. They can't tell me why they sent me to debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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:
Experian decreased my credit score due to XXXX XXXX decreasing my credit card limit of which i am an authorized user on. There was no non-payment, late payments, extra high limits or any derogatory information. They decreased the limit due to non-usage of the card. I find this RIDICULOUS when people work to pay off cards or stop using them to stay out of debt. I wonder how many other people have their credit score affected by such an outrageous action, or how many people know about such. THIS SHOULD BE INDICATED ON MY ACCOUNT TO SHOW THAT THE DECREASE WAS IN No WAY CAUSED BY NEGATIVE ACTIONS BY THE CONSUMER.

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 2022-08-01
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

Complaint:
i have a few hard inquiries and small inquires and i am hoping to get tcompanyhem removed immediately here is the list of hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are negatively affecting my credit score i need these to be removed

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts 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 2023-02-04
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. (NV)

Complaint:
In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  account ending # XXXX XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXXXXXX XXXX account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # 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 2023-03-06
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: Experian Information Solutions Inc. (NC)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-25
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. (MI)

Complaint:
This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX  XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
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. (TX)

Complaint:
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Complaint:
I was dealing with XXXX XXXX in XX/XX/XXXX to maybe XX/XX/XXXX(? ) til then the school filed bankruptcy and closed that I went too. I am STILL dealing with these loans that I took out in XX/XX/XXXX. I made payments for several years of {$750.00} a month. Somehow 19 years later.. I owe XXXX XXXX dollars when I only borrowed about {$18000.00} because the rest were grants. And I paid monthly payments. School shut down.. XXXX XXXX sent me a letter saying XXXX balance, then years later started getting letters again from Fed Loan.gov and Navient is on my credit report. NO ONE LISTENS. It was a XXXX XXXX. 20 YEARS AGO. I DO NOT OWE {$100000.00} DOLLARS!!!!!! I was XXXX ... I am now XXXX..it has HAUNTED ME my entire life!!! TOTAL SCAM. THE LADY NOW OWNS A NEW XXXX XXXX IN THE AREA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (AZ)

Complaint:
I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!

Company response to consumer: Closed with explanation