hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

Complaint:
This is in reference to Complaint number : XXXX-XXXX. Wells Fargo issued a response to the previous complaint, however, they did not actually do what they said they were going to do. 

In their response to my prior complaint, their letter says, " After reaching out to Branch Manager XXXX, our office was informed that she would be able to waive the stop payment fee. '' However, when I attempted to go to the bank and collect my money yesterday, I was told that the branch manager was unavailable and that they had no interim branch manager. Today I received a call stating that the stop payment fee would be waived and I would be charged a {$30.00} surety bond fee instead in order to reclaim my money. Otherwise, they said I had to wait until XX/XX/XXXX to reclaim by money without a fee. A fee by any other name is still a fee. I closed by account in XXXX and simply want the {$1500.00} that was left in the account back -- no more, no less. Unfortunately, Wells Fargo has made that impossible for me and insists on charging me excess fees for a check they allegedly issued that I never received. Furthermore, their response to my prior CFPB complaint was incredibly deceptive ; they simply replaced 1 fee with another.

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 2022-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XXXX XXXX, I finally received my replacement debit card edd from Bank of America. A representative helped me activate my card and helped me have access to my account. Bank of America resolved my first claim # XXXX and gave me my {$5200.00} back but I saw that there was a transfer on XX/XX/2022 of {$5000.00} to a debit card XXXX # XXXX. The same suspect did the transfer from the previous fraud that was done in my account. I asked the representative how was that done when I had no access to my account until XX/XX/2022. I was able to see their last 4 numbers of checking XXXX and routing # XXXX. Bank of American never gave me a notification or approval of this transfer. This is the 2nd time that this happens. I reported to the police and filed a 2nd claim.

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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have been a victim of identity theft. Transunion violated my rights and shared, furnished, and sold my non-public information without my consent. This is deemed identity theft. Please remove these items ASAP : XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-05-24
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. (MD)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

Complaint:
I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IN)

Complaint:
They refused to to help me and told me that I did live in XXXX  XXXX when I have never live there.I have tried to dispute this threw the credit Bearl to and they want except it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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. (GA)

Complaint:
I recently checked my credit report to find that an account that have been proved to be invalid and not mine, was re-added to my Equifax credit report. I have not now or ever opened a loan with XXXX XXXX and in XX/XX/XXXX this account was deleted from my Equifax credit file. Today XX/XX/XXXX XXXX XXXX was added again to my credit file. This is a direct violation of the FCRA as any account that has been deleted, before adding again, Equifax must notify me in writing informing me of the intent of the company to try an add again, and this did not happen. This was a debt that Equifax already investigated and deleted. How are they going to just add it illegally with the hopes that I am not checking my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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. (AZ)

Complaint:
XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and XXXX, my credit score is extremely damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Complaint:
Equifax did not comply with 1

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It has now been 81days and I have not received the description of procedure, which they are civilly liable for willful noncompliance. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc. (PA)

Complaint:
I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
I have spoke to capital one numerous of times and they said my report will be ready by XX/XX/XXXX to take inquire off that is fraud. I have been going back and fourth with them since XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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. (GA)

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

Complaint:
XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Complaint:
There are several derogatory accounts reporting on all three of the credit reports ( XXXX, equifax, XXXX ). The derogatory accounts are all past the Maryland XXXX XXXX XXXX. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX, and XXXX XXXX XXXX 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (MD)

Complaint:
I have a debt through paypal for some purchase i made a year ago, they reminded me constantly about it, I already put some funds in this account but i cant make it fully i got other debts aside it but i pay the mnimum each month i don't miss payments, I don't have the full amount to pay now, i got financial problems and they keep messaging constantly they even sent a debt collector letter home, they don't give the option to pay them every month little, they want the whole amount i don't have how to pay them now, the debt is {$1700.00}, it was {$1800.00}. If you can help me or hold this payment it will be so appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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 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 XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX DEBT OF ED/XXXX Account Number # XXXX XXXXXXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account Number # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MI)

Complaint:
I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.

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 2020-01-02
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. (SC)

Complaint:
I have been in an ongoing back and forth battle with Equifax. I have had two open actively reporting accounts that report to all three credit bureaus. A car loan and a credit card. I have already made sure they report to Equifax and even had the companies send Equifax a letter telling them I have made all my payments on time and that it should be getting reported. I have been told 8 times to send in personal information to verify my account ( no exaggeration ) because they say they need to verify my identity. I have mailed and faxed and each time it does nothing. The last time I was in contact with Equifax the customer service representative informed me that they have no record of my accounts reporting and I told them that they are and that they sent over a letter/document showing proof. They are no help and this has been going on for over a year. This is affecting my life and can not get my loan for college or purchase a home due to not having Equifax credit. I have no other problems with the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: BB&T CORPORATION (CA)

Complaint:
XX/XX/18 Regional Acc made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching my police report for related identity theft/fraud. XXXX  instructed me to contact each company making fraudulent inquiry on my report individually.

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 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX XXXX  Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 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: Experian Information Solutions Inc. (TX)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows : XXXX XXXX XXXXXXXX - XXXX Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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