hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Complaint:
Back in XX/XX/2016, I ( XXXX XXXX ) have tried on numerous occasions ( thru the attached documentation ) to explain to bank of America, that my prior checking account had received fake checks deposited that do not bear my signature or identification, but have been unable to get this information resolved ; I had misplaced my debit card. 

Please see the attached information. 


Thank you, 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 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Complaint:
Barclays Bank Delaware ( Barclays ) in concert with XXXX Mastercard and XXXX  XXXX  are in violation of committing unfair or deceptive acts in violation of FDCPA, 15 USC 1692 a-l, the FCRA, Barclays - Your Cardholder Agreement with Us, Investment Company act of 1940, Public Law 73-10 as well violations of 15 USC 1 Restraint of Trade, Insurance Fraud, and XXXX. Barclays issued Payment Coupons that were tendered as payment that were not honored and refused to accept Federal Reserve notes for payment. 

I contacted Barclays several times to make payment and they refused saying they only took XXXX dollars. XXXX XXXX told me I was unable to receive XXXX dollars from my account and they would only give me Federal Reserve Notes. Barclays also refused to take their payment coupon attached to the monthly statement as payment. I made several attempts to pay with the payment coupon as well as with Federal Reserve Notes and those tendered payments were refused. In UCC 3-603 ( b ) If tender is made and refused then there is discharge. 

Since Barclays refused to accept Federal Reserve notes which are legal tender for all debts public and private, there can not be a debt 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 2022-06-18
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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: Closed with explanation
Consumer complaint received 2018-02-19
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: PRESTIGE FINANCIAL SERVICES INC (PA)

Complaint:
On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Hi, I am an unemployed Californian that receives his payment via debit card. Since first receiving my card approximately a month ago, it has been blocked three times, all without notice of any kind.

This has caused embarrassment and a scramble to pay bills.

The first two times I called, I was able to get the card unblocked with minimal problems and both times received promises that it would not happen again, and if it did, BOA would notify me.

Both those promises were untrue. The third time I called, I was placed on hold for an hour and then given a full " Know Your Customer questionnaire. '' In my frustration, I made two mistakes that I clarified but was told that it was too late and that I must go to a branch with two forms of identification, which is ridiculous and inconvenient. This whole process is so bad that I wonder if BOA is deliberately making it so. Whether or not they are doing it on purpose, they have effectively cut me off from needed funds three times in a month. And are now making me jump through hoops to get it back.

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 2020-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NY)

Complaint:
I was notified by HUNTER WARFIELD debt collectors out of XXXX FLORIDA that i owe a debt. I denied that i owe a debt and requested evidence of debt. 
They sent me documents with no explanation of what the paperwork represented or how it proved I owe and am responsible for anything they are attempting to collect. I requested if they report this false information to credit bureaus to indicate that i dispute the debt and that is what they did. The credit agencies are refusing to remove the derogatory, false, and unsubstantiated debt HUNTER WARFIELD is attempting to collect. I have no relation to and owe nothing to hunter warfield and they have provided no explanation or evidence that i owe anything. 

Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (IN)

Complaint:
Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX  after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (IN)

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 2022-01-02
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. (CA)

Complaint:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX Balance {$1600.00} Acct no. 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 2022-03-08
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. (OH)

Complaint:
XX/XX/2022 I mailed Equifax a letter with a copy of my state ID asking them to send me documentation on 4 inaccurate accounts being reported on my report. When I disputed them, they were verified by Equifax as valid. It is now XX/XX/2022 and I have not received ANY correspondence. These accounts are inaccurate and are defaming my character and I would like them removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Complaint:
I expect expedited removal of the Fraud Alert on my Experian, XXXX, and XXXX Credit 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 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

Complaint:
I am the primary card holder of a Citibank Double Cash credit card which was opened in XXXX of 2018 with one additional authorized user. On XX/XX/2018, I called Citibank to remove this authorized user and get a new number. I was issued a new number and the other user no longer had access to the account. On XX/XX/2018, the previously authorized ( now unauthorized ) user provided the old/original credit card number to the gas company ( XXXX XXXX ) and set up an autopay which charged my credit card on 7 different occasions ( for a total of {$560.00} ). 

Citibank first denied my claim for fraud/unauthorized use because according to them if I have ever had interactions with this merchant in the past ( even on a different property ) then they automatically deny the claim of fraud. I was not contacted but rather just sent a letter saying my claim was denied. I called back and they re-opened the investigation. Citibank ( apparently ) contacted the merchant who had 45 days to respond. The merchant indicated they had been provided with a number which was cleanly processed by Citibank so there was nothing they could do. 

My name is not on the XXXX XXXX XXXX account. The now unauthorized user is the only user on the gas account. I am the only user on the credit card. It would be impossible for me to pay this account with my credit card as I don't even have the XXXX XXXX account number ( and they won't give it to me ). Citibank should not have let him provide the old credit card number and it process through for 7 months. 

I called Citibank a third time and they said they have no record of my original number in their files and they would have it even if I had closed the account 10 years ago and that it was my fault for not getting a new number when I removed the unauthorized user. I have monthly statements that have the original number on them and then the new number appears on the XX/XX/2018 statement. I have offered to provide them with the statements that have the original number on them and show that I got a new number in XX/XX/2018 and they declined for me to submit that evidence. They also indicated that perhaps I wasn't clear about the unauthorized user being removed. I asked for them to provide the transcript from my phone call on XX/XX/2018 and they would only provide a transcript with a legal subpoena. 

I have now been continuously re-opening my case for over 2 months because they keep closing it without understanding the facts. I did everything I was supposed to do - I called, removed the user and got a new card number. What else would be required for me to prevent unauthorized use of my card going forward?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Complaint:
OnXX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with Capital One Auto Finance to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter onXX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/18 proving I tried to dispute the account XXXX  received and signed for the letter XX/XX/18. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but Capital One is when XXXX XXXX XXXX bought the account. How is Capital One still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Complaint:
Around XXXX XX/XX/XXXX time frame, i was issued two store credit cards at Rooms to Go and Value City Furniture stores through Synchrony Bank . I received mail notification dated XX/XX/XXXX that the bank was closing both of the accounts listed. The reason given was based off my credit report/ score.1 ) Too  many Revolving Accounts ( i have no new credit, the same account on my files was there in XXXX when they approved my accounts ), Not enough balance paid off ( My Value City Card {$2000.00} plus balance was paid in full within 12 months on a 36 months finance, there hasn't been any new charges since the initial purchase in XX/XX/XXXX ). To many bank cards with high balance ( I've had the same credit cards now that i had in XXXX when i was approved for the cards in the complaint ), Too many delinquent accounts ( some of the collections on my account is not mines and the credit card accounts with a discrepancy accounts showing closed have been on my credit report since XXXX when these a cards was approved ). Since I've had these cards I have never been late or delinquent on a payment, I have paid my account at least 15 days early each month unless i had paid the account in full in-which Value City has a XXXX  balance.Based on my conversation with their customer service rep is the evaluate customers every 90 days, if so why did they elect to close my account now when the country has been going through a pandemic over the pass three month although the world is going through this time, i have still manage to make on time payments and my credit score is better now than it was when Synchrony Bank done their previous evaluations. I feel that this adverse action was taken out of retaliation based on a dispute i submitted in XX/XX/XXXX of a purchase i made in XX/XX/XXXX where Value City Furniture ordered and delivered me the wrong items and when they refuse to make the corrections I contacted Synchrony Bank where they conducted an investigation and on XX/XX/XXXX issued me a letter crediting my account for the mistake that Value City made on my account. After the credit adjustments was made I received two letters dated XX/XX/XXXX stating both of these accounts was being closed by the bank. Most credit companies if they felt a credit risk and you have been at good standing with that institution a length of time they will lower credit limit verse act in a way to help destroy a customer credit..

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 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2023-03-20
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: EQUIFAX, INC. (TX)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate XXXX XXXX XXXX  Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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. (SC)

Complaint:
XXXX, XXXX and Experian all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. Experian is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but XXXX and XXXX XXXX show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM MY CREDIT 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 explanation