hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

Complaint:
An account held in BBVA Compass which was then acquired by PNC XXXX XXXX XXXX had it's funds withdrawn on XXXX according to debit memo XXXX for the amount of {$7900.00} in accordance to a court order. After that, the account was made unavailable for my client to access on his online profile and was told by employees of the branch that once the court decided on the matter the funds would be immediately available. 

On XXXX, XXXX XXXX XXXX, Presiding judge of the XXXX XXXX XXXX in XXXX XXXX, Texas, signed an order Granting a no-evidence motion for summary judgement and dismissed all claims with prejudice. 

Contact was made with XXXX XXXX XXXX who is executive vice president, general counsel and chief administrative officer of The PNC XXXX XXXX XXXX at his email address XXXX who replied and instructed XXXX XXXX XXXX with email address XXXX to follow up. After all the information was given to identify the account it took 17 days for her to reply that " while PNC reviewed the concern. PNC has no record of this account with this client '', for which I understand that the {$7900.00} are lost and there is no way to recover them regardless of the banks obligation to keep records of its clients even 5 years after the account has been closed in accordance to CFR 1020.220.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (AR)

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Experian received copies of police reports regarding accounts that were established without my knowledge due to identity theft in addition. On XX/XX/XXXX Experian received notarized affidavits, police reports, identity theft reports, and other documentation supporting my claim. Experian has violated the FCRA practice by no blocking fraudulent accounts within the 4 day time period allowed. Experian has also failed to provide any validation of the accounts that are in question.

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 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Complaint:
Collection agency refuses to honor written agreement they accepted when they accepted payment

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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2021-08-02
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: WELLS FARGO & COMPANY (TX)

Complaint:
I received a letter dated XX/XX/2021 from Wells Fargo Bank, N.A. XXXX XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A WELLS FARGO DEPOSIT ACCOUNT Wells Fargo said they were unable to open a deposit account because of information from the following reporting agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to Wells Fargo and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope Wells Fargo is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.

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 2022-07-26
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Account # 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 an 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 explanation
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc. (NJ)

Complaint:
Falsely claimed that they are attorneys. 
Falsely claimed that we have committed a crime by Violated Federal Freight Laws. 
Used obscene or profane language, or repeatedly use the phone to annoy someone. 
Threatened and have called customers and vendors slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

Complaint:
I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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. (AZ)

Complaint:
I am writting this letter because I found several errors you are reporting to my consumer report and are hurting my good name. Please fix immediately as I have paid this account in full and its now been closed in good standing. 
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 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I asked the two credit report agencies, Transunion and XXXX to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX appearing on my credit file. I asked them to furnish me with a contract or agreement bearing my signature to help me determine if this account is fraudulent. They have not provided me with this information. 

Transunion and XXXX did not investigate this this account. These agencies stamped the dispute as accurate with no proof to support their opinion.

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 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KS)

Complaint:
There is a loan that was disbursed XXXX in the amount of XXXX with the U.S Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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. (CA)

Complaint:
in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( B ) a creditor may not treat a payment on a credit card account under a open end consumer creidt plan as late for a purpose

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 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
To Whom It May Concern I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give them written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681. 

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 : Is where it states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, 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 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I deposited a check for XXXX dollars on Monday XXXX in XXXX CA. Bank of America both told me orally and it is written on the deposit slip that I will have the funds on available in two days. It is now wendsday XXXX and the funds are still not available in my account. Now my bills will go late and Bank of America is going to charge me and overdraft nsf fee due to there deceitful behavior.

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 2023-08-05
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number 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 an account without my written instruction.

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 2021-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (MI)

Complaint:
At XXXX XXXX today I was contacted by Person Calling : unintelligible They said that they were calling about a Discover credit card from XX/XX/XXXX-XX/XX/XXXX, that multiple collections agencies had tried to contact me over the matter and that they were going to sue me for XXXX dollars unless i paid them XXXX dollars. They threatened to have the papers served to my home TODAY. Then they read me my social security number and birthdate and asked me to confirm them. 

The DiscoverAccount number they provided me is : XXXX XXXX XXXX XXXX Frustrated and angry about being threatened so harshly I hung up on the lady ( XXXX ) and called Discover. They confirmed that this was in fact a scam and that i never had a credit account open with Discover. 

The information i have on the people that contacted me is : Issuing firm XXXX XXXX XXXX Refer to Case number MI XXXX They also harassed my husband while at work ( we were not married until XX/XX/XXXX, how did they get his info? ) and said that their Field agents would be dispatched to our residence as well as verified place of employment That if I dont call them today I would be in non compliance and this would be filed with courts under failed action to serve and evasion of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Complaint:
I checked my account first thing in the morning as I was waiting on two seperate deposits to hit my account. When I checked the account I seen the deposits had posted. A few hours later I went to withdrawl funds and noticed the amount was off I pulled what I could and contacted the bank. I spoke with one representative who claimed the deposits never even happened even though I insisted I was currently looking at the account and seen them then withdrew some of the funds so I know the deposits had posted. He then told me that he couldn't hear me to help despite this not being an issue prior. He told me that there was nothing he can do as the deposits weren't there and got increasingly more rude as I advised the deposits went through so I asked for a supervisor. The supervisor repeated that the deposits never happened then magically advised she sees them and that the funds were not available because I spent the money prior to it hitting my account. I advised her that couldn't be the case as if that happened I would not have been able to withdrawal any money that morning. She then changed her account of my transactions but was still providing inaccurate information and advised me she was just reading the transactions on my account I advised her she was skipping transactions which was my issue how am I supposed to believe what she is saying if I know for a fact the information she is providing is inaccurate she then got rude and advised I should go to a branch then if I don't like the information that she is providing. I let her know I would like to file a complaint and she still didn't offer further assistance but instead continued to ask me if I would like to go to a branch to talk with them and when I again told her I'd like to file a complaint she then kept repeating that she couldn't hear me. It was extremely frustrating to try to get answers and be talked down to and have people I trust with my money unable to answer questions about transactions.

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