hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
During the end of the Summer in 2021 I was taken advantage of through my bank account and Bank of America. I have filed primal charges against those involved in the scam to access and cash out debits form my Bank of America account. Never once did BOA flag these aronius and numerous actions on any given day as fraud. When I was finally healthy again I went to Bank of America to get my records and and explanations how my address was changed to a Florida one without proper identification and how they would allow numerous withdrawals each day of cash. They not once flagged these as fraud. Furthermore they changed the first person my son and I spoke to at BOA in XXXX NY and the second person could not find my account records or even my social security deposits I live off of. They then printed out after 4 hours what they could find and told us that is all they good do. The fraud department never called us back nor did they provide any way for me to reconcile the money.

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 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Complaint:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

Complaint:
XX/XX/XXXX my friend sent me XXXX dollars via cash app ( cashapp to cashapp ) but he sent it to an old account of mine and they are more than unwilling to verify my identity to help me gain access to that account nor will they return the funds I gave them the phone number linked to that account ( I no longer have access to that number ) there is no email linked just a credit card I do not have anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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: WELLS FARGO & COMPANY (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand 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 2022-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (GA)

Complaint:
I have been calling Carmax Auto FinanXXXX for the past 6 months requesting a payment deferment due to contracting XXXX in XX/XX/2021 which left me in critical but stable condition 4 months due to my XXXX  XXXX and XXXX  XXXX XXXX. Then I contracted XXXX again in XXXX. I have requested more than once for Carmax to provide me at least a 3-month deferment to allow me the opportunity to catch up my payments but they keep stating that they don't offer any COVID relief options. I spoke to one representative that told me if I pay the 2 months past due that they may be able to defer one payment. So, I used my utility funds to make the two payments and then I called and spoke to a different representative, and we went through the processing of deferring the payment but the next month, Carmax still reported my payment as past due. Now, they are showing 3 past due payments on my credit report and harassing me with phone calls 4 or 5 times a day. It is ridiculous when I already explained that I need to defer some payments so that I can catch up. If I had {$780.00}. There is no point in them harassing me throughout the day with phone calls when they have been told more than once that I don't have the funds at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Complaint:
These accounts aren't mine that need to be removed.

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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

Complaint:
I received a letter stating that it was in reference to a telephone conversation with a representative that did not occur with me. The letter states " Consumer loan information continues to appear on line for approximately 90 days from payoff date of the loan. A loan will also appear on your monthly lending bills until it is automatically purged from their system. At this time, we do not have a tentative date as to when the next purge will occur. '' Signed Sincerely, XXXX XXXX XXXX Navy Federal Credit Union I have no idea why I received this letter. I have no loans with this organization and have not had any type of loans for over XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
In XX/XX/XXXX, I put a check in the mailbox made out to the IRS for $ XXXX. Somewhere along the way a fraudster stole the check while in route and either sold it to a third-party to wash and cash the check or washed it themselves and deposited it into their bank account. 

In my banking portal ( XXXX ) I have images of the washed check since it was deposited at a bank, TD Bank. XXXX says that they are not liable and I need to contact TD Bank to try to claw the money back from them or the bank account holder. 

I filed a police report and XXXX said they were not liable. I then worked with the detevtive who I filed the police report with to send a subpoena to TD Bank but they are claiming to have no knowledge of the bank account or individual, even though I shared all of the details ( images of the stolen check, name of depositor, date the check was deposited, location the check was deposited, etc etc ). 

I would like TD Bank to investigate the owner of the bank account where it was deposited or at least provide tho bank account owners details with the detective working on the case so I can recoup the money. 

I have all of the details of the incident, a police report, and a subpoena. 

Attached are images of the front and back of the stolen check that was deposited. Below are details I got from XXXX on where the money was depoisted : Bank : TD Bank City and State : XXXX, Maine Zip : XXXX Bank branch number* ( ie 'cost center ' ) : XXXX Date check was deposited : XX/XX/XXXX Lastly, here is the subpoena number that was used and filed with TD Bank by Detective XXXX of XXXX XXXX : XXXX / XXXX ( Ref : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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. (NY)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (TX)

Complaint:
National Credit ( not the original debtors ) repeatedly calls me over a debt was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
Hello, I am XXXX XXXX XXXX with Amazon Platform. I was looking for a distributor for specific products. I have received offering quote from this XXXX XXXX XXXX Company. 
before, I make any deal and purchasing goods from current supplier, I verified the company 's business legitimacy and business location and stuffs with Texas state of directory office. 

The supplier asked me for paying first before packaging and shipping. I deposited money into his checking account, The amount is {$3100.00}. I awaited for delivery for 2 weeks but I did not receive it. I contacted again with distributor regarding delivery, in fact He asked more money for shipping cost that we had not made deal so at the beginning. 
I did not move forward and agreed with distributor. and they not refunded me either. 

I went to my Bank and told the story what happened with me and asked them for helping to recover my money back. they said sorry for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Complaint:
In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from Nissan about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. Nissan forgot to update this information. Please remove this from my credit history. Nissan needs to update the payment in all major credit bureaus.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (NY)

Complaint:
There is account on my credit report that is not mine. XXXX XXXX {$1200.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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. (TX)

Complaint:
XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

Complaint:
For over the past few months I have been trying to access my Equifax credit report on their site. I even tried to pay for the equifax premier service but kept on getting error message to call. I just called in XXXX/XXXX/2019 and was on the phone over an hour and transferred XXXX times yet no one can tell me what is going on. I can not recieve my free credit report due to an adverse action I had. I only have this problem with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TX)

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT MANAGEMENT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
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: National Credit Systems,Inc. (SC)

Complaint:
I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Complaint:
I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

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 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

Complaint:
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief