hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Complaint:
on XX/XX/2022 I had submitted a complaint regarding Bank of America Business Credit Card Application # XXXX being denied. That CFPB complaint number was XXXX. This bank now has attacked me personally by closing out my personal credit card ending in XXXX through retaliation due to the prior CFPB complaint done on XX/XX/2022. The reason ( s ) listed are bogus and are a cover up just to cover up thier XXXX from any litigation or lawsuit. Its pretty obvious that this bank has retaliated in an effort to " get back at me " for the previous complaint. In regards to retaliation, Bank of America has been sued by many consumers and previous employees for employment and credit retaliation. This is public record. Bank of America needs to be investigated for this illegal act. I am going to take legal action against the Bank because I have had enough of thier XXXX. Please note, I am going to purse for {$5.00} million in damages that are unethical and demand my credit card be re-opened with the same credit limit. I further will sue you for an additional {$1.00} million due to the negative impact your going to leave on my credit report. It will show a closed account done by the credit grantor. Your not going to start damaging my credit score, and credit report with your nonsense. You had no valid reasons to close my account. The account wasnt even open 60 days and always carried a {$0.00} balance. All actions, i have mentioned in the complaint, are going to be pursued and i can promise you, i will see your XXXX in court.

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 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Complaint:
I recently fell victim to identity theft and discovered that the thief had racked up a significant amount of debt in my name. After contacting the credit collection services, I learned that the debt was wrongfully assigned to me. I have been working diligently to retrieve the debt and clear my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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. (NY)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I recently had a payment for a bill come out of my Wells Fargo account around XXXX/XXXX/XXXX. I had meant for it to come out of another account. I am on a very limited income but I accepted that it was my fault. The account was overdrawn by approximately {$200.00} and an overdraft fee was assessed. I was making {$20.00} payments on it when I got paid every two weeks as this is all I could afford. While making payments, I received numerous calls from the collections department. I answered and spoke with a guy who tried to get me to commit to a larger payment than I could afford and on an exact date. I told him that I would pay what I could, when I could. I continued making my {$20.00} payments every two weeks, give or take a few days. About three days after the fourth payment, on XXXX/XXXX/XXXX, they closed my checking account despite the fact that I was clearly making regular payments and would have it paid off soon. Now it will reflect poorly on me in XXXX or whatever reporting agency Wells Fargo uses. I paid what I could as soon as I could and not sure what else I could have done when they closed my 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 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2017-09-13
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. (NC)

Complaint:
In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.

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 2019-03-10
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. (CA)

Complaint:
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.

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 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I paid my XXXX XXXX account twice for {$440.00} on XX/XX/2020. Once by Bank of America business account bill pay and once by new automatic pay by Bank of America visa debit card. I received back from XXXX duplicate payment {$440.00} credit. I put claim on BofA debit card transaction {$440.00} because of double payment. I later released claim on debit card transaction for XXXX to get payment. XXXX does not ask for payment twice. Bank of America does not return funds after claim was stopped. Visa still has funds that are in limbo not collected by XXXX except on a new auto debit card transaction and BofA will not give the funds back. I want my {$440.00} returned to my business checking account so I can finally pay my XXXX bill.

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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX BalanceOwed : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
XXXX XXXX is not my account & need to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Complaint:
I received notice that my personal information may have been compromised on XX/XX/XXXX. I tried to enroll for protection via Equifax organization. I was told by Equifax agent that enrollment was not possible until XX/XX/XXXX and that I 'll have to return to attempt enrollment again at the later date. Equifax stated no enrollment was possible now and I 'll have to make time and effort to enroll at the later date. I am now requesting that the Consumer Financial Protection Bureau take action and help us, i.e. to determine root cause for this security breach and to protect the American consumer by regulating this industry so the frequency of security breaches is reduced or prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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:
Bridgecrest company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

Complaint:
Im not sure of the dates its been awhile the first one is credit collection services. Ive filed two disputes on it. And both have been denied and ive been told its going to stay on your report. Its for progressive car insurance for XXXX. Now before i switched car insurances the balance was paid and cancelled and i was told you owe nothing. And few months later i get mail from XXXX   claming i owe XXXX. I told them no i dont owe and told them what happened and they said well sorry someone lied to you and clamied i never paid the bill. And its like im responsible for someone elses mistake i dont think so.. 
The next one is XXXX XXXX XXXX/ XXXX and this was 2 years ago. We moved and we cancelled service and moved to another address and my wife had cable put in her name. And months went by and i get a bill from XXXX saying i owe XXXX i call and they say yeah you never called and cancelled your service 's. I explained what went on and they said oh yeah we see that but you still owe money for a disconnect fee. So we went down to the office on XXXX XXXX spoke to the rep and they said it was ok sorry for the issues will take care of it. Guess what never did and ive disputed that as well and getting told nope its gon na stay. This isnt right im telling the credit agencies thats not how it went and its like oh well now i cant even get a home because of this. Its needs corrected and those to debts need cleared ive fought and argued as well with the collector telling them the same things ive typed here. And disputed with them as well and all i get told is you can dispute all you like its not gon na go away how fair is that to me? Please remove the two debts ive listed they are not vaild and untrue. And both of these are " NO CONTRACT. '' Heres a link as well to XXXXaXXXX XXXX XXXX  XXXX & XXXX That also states that others have disputed items and its been removed and im saying that i owed no balances period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: LEXISNEXIS (IL)

Complaint:
On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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. (NY)

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

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Complaint:
Good Afternoon, I opened a HUNTINGTON 25 checking account around the beginning of XXXX. This process was awful from the beginning. The advertised terms were deposit $ XXXX for 3 months and receive a {$500.00} sign up bonus. I opened an account with Huntington and then initiated a transfer. Approximately one week after initiating the transfer, the money had not been successfully showing in my Huntington Account. I called Huntington around XX/XX/2020. I was told my account was on a Fraud hold and I needed to show ID in branch. I was not informed proactively of this hold on my account. That is very shady in my opinion. How can you have someone's {$25000.00} transfer for their personal XXXX XXXX XXXX XXXX account on a fraud hold without letting them know. My Deposit showed with an effective date of XX/XX/2020 with Huntington. 

On XX/XX/XXXX or XX/XX/XXXX I had yet to receive my {$500.00} promotion. I called Huntington and asked why. They informed me it was because the deposit was classified as a credit, not a deposit. To me, putting money in bank account is a deposit, the method of transfer is irrelevant. If I would have deposited the $ XXXX in cash I would have had a anti-money laundering SIR opened against me. Therefore, transferring and having an electronic record of from where the funds are coming are the better, safer way of depositing money. I asked the representative to open a case for research on my behalf. I was told my case number was XXXX. 

I contacted Huntington bank on or around XX/XX/2020. I provided the case number and the representative put me on hold. About 10 minutes into my hold the phone disconnected. I tried to call back. A day or so later I called again, was put on hold by the rep and about 10 minutes later the call disconnected. 

Today, XX/XX/2020, I called and spoke to a representative. Before putting me on hold, I explained to her that this has happened in the past and the call disconnected. 18 minutes into the phone call the call disconnected while still on hold, again. Fortunately, the Representative called me back. I was told my account was not eligible for the bonus as it was not 'new money ' because it was transferred from another account as its deposit and not cash or check. As a consumer, reading 'new money ' I interpret that as money not with Huntington . 

To me, this is a classic example of a bait and switch. Completely unfair advertising practices and taking advantage of people. 

Please review this and help my wife and me. We are trying to start a family and need to have IVF. We must pay out of pocket for all of our IVF treatments and the $ XXXX we deposited is the money we have set aside for the procedures. The {$500.00} bonus was very important to us to help start a XXXX if we're fortunate enough to have a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (GA)

Complaint:
I paid what I thought was a 6-month vacation club loan off in what I thought was the time frame allowed. Comenity charged the equivalent of a 50 % interest fee on the unpaid balance a month later. I have contacted Comenity by phone, snail mail, and on the website. Phone representatives said they were unable to do anything. I have received only impersonal digital responses not specific to my concerns by mail. There are only rare moments when I can connect with the website on my XXXX or XXXX devices. The website is generally not accessible. I submitted a complaint to CFPB which resulted in no resolution on my behalf. Thus, I paid the outrageous interest off in two payments and received emails confirming their receipt. 

I sent a request with my last payment to close my account. This month I received a bill for {$540.00}. This charge is unwarranted. The loan was paid in full including interest charges and the account is closed. Sin Comenity does not communicate with its customers in any personal way, I request assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (ME)

Complaint:
Received phone call yesterday in regards to this. Loan was allegedly taken out in 2013, I was not residing at address mentioned in 2013. Also, I have never heard of a company reporting to a credit bureau after stating account would not be placed with credit bureaus. Second, this account if legit, is beyond the statue of limitations for the state of MaineXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
I haven't had access to my online account in over a year. They intentionally block users from seeing their balance. I had zero interest and then suddenly they added the interest because the account was not paid in full. The issue is had I been able to see my account I would've been able to increase my payments to close the account before the interest hit the account. Every time I need to make a payment I have to call them and I cant see my balance to know if they are applying it to my account and I dont know if the balance is decreasing. 

I have called and spoken to the payment department and they insist that the account can not be viewed because they updated the system. They have been saying that a year now. Im paying them blindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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. (TX)

Complaint:
Transunion is reporting incorrectly a charged off account and a 30 days past due on XXXX - partial account number XXXX. ( Please see pages 23 and 24 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting these accounts correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past

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