vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
After falling foolishly for a cryptocurrency scam on XXXX I tried to recover my money I sent via XXXX to two different fraudulent accounts in the amounts of {$500.00} and {$2400.00}. I contacted my bank on XX/XX/21 to stop the XXXX payment as they were still pending. PNC bank said they couldnt intervene until the transaction went through, and then I could make a report to try and recover it after they investigated. On XX/XX/21 they closed their investigation and denied my request to recover the funds with no explanation beyond not seeing a reason to do so. They have since frozen my XXXX account, which is inconvenient because thats how I pay my rent, but I am working to get that resolved. 

The below is the details of the scam I provided to the FTC in my report So a friend of mine, XXXX, posted about some cryptocurrency investment on XXXX- I found out later his XXXX  account was hacked, and this was not him who posted this. I asked who I thought was XXXX about the post, and he directed me to someone named XXXX XXXX on XXXX who claims to be a cryptocurrency trader. This person claimed to work for a company coin-hourly that does rapid cryptocurrency exchange, something I know zero about. He told me to make an account with the website. I did. Then I was to send {$500.00} to XXXX XXXX via XXXX- the associated info is XXXX and phone number XXXX according to the XXXX account. This was supposedly his XXXX. Afterwards I sent {$2400.00} via XXXX as my investment to his associate XXXX XXXX- the email associated with that XXXX is XXXX. I received an email from XXXX saying that my investment had generated profit and for me to withdraw it I need to confirm my account and pay the commission of {$600.00} via the XXXX XXXX  to some account XXXX. So I did that. It all happened very fast - there was a lot of back and forth and screenshots shared between me and this XXXX XXXX person to move this all along quickly. I was suspicious but I messaged XXXX through XXXX and he reassured me multiple times, but I was suspicious because the pattern of response didnt seem like him. Then, I decided to message him instead through XXXX. At which point, the real XXXX told me that his XXXX got hacked the day prior and he was locked out of it, so whoever I was messaging with on XXXX was not him. I confronted this XXXX XXXX via XXXX to ask for my money back, and as expected that has not happened. Ive saved most of the conversation through screenshots if you need them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called bank of America to dispute charges on my account, bank of America closed my account and has not let me report any fraudulent charges can someone please help me, someone used my account and now I need my money 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 2021-12-30 00:00:00
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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The disputes have been resolved since XX/XX/2021 but it was bought to my attention, the dispute verbiage is still reflective My dispute has been concluded for quite some time I would like the dispute verbiage to 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 2021-12-30 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

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 2021-12-30 00:00:00
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.
State: IL

Complaint narrative:
XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus, however, my requests for both the credit bureaus and the furnisher from XXXX XXXX have ignored proof. The credit bureaus have all returned a status of " Verified '' when I have disputed the account. How is this account being verified with Equifax, XXXX, and XXXX, when the company doesn't even respond to my verification requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
For the record, I am asserting my rights as federally protected consumer. I sent an electronic fund transfer check/remittance transfer via overnight mailing that authorized Synchrony Bank/PayPal Credit to initiate a one-time payment for the amount of {$1800.00} on XX/XX/2021. I enforced the electronic fund transfer pursuant to 12 CFR Part 1005.3 ( b ) ( 2 ) ( i ) ( ii ). 

I spoke with a live agent on XX/XX/2021 and she said that they located the check and that it would be processed within 24-48 hours along with credit to the consumers account.

I spoke with two agents today, XX/XX/2021 and they could not locate the check. Because of this, I have yet to receive my credit to 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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent my correspondence to Portfolio Recovery Associates, LLC on XX/XX/2021 in regards to the collection account they are reporting to XXXX and XXXX. Pursuant 15 USC 1692e ( 11 ), a debt collector can not omit that they are attempting to collect a debt. In one of the exhibits provided, it clearly states that Portfolio Recovery Associates, LLC is not attempting to collect a debt, which is against Federal Law. The consumer must be informed of the reason for the initial communication and if this was not an attempt to collect a debt, Portfolio Recovery Associates, LLC would not be reporting this as a collection account to the consumer reporting agencies. Portfolio Recovery Associates, LLC has received all documents and supporting evidence of this dispute through U.S. mail on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-12-30 00:00:00
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.
State: MI

Complaint narrative:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a claim the claims representative got the claim wrong and is possibly going to ruin any banking relationship I could have this is a urgent matter please help I have been on hold 4 hours

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: IA

Complaint narrative:
This phone number calls me everyday but I dont have any debts with them. Its from the XXXX number. I just want them to stop calling me from now on.

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 2021-12-30 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-31 00:00:00
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2021-12-31 00:00:00
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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
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.
State: MI

Complaint narrative:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 2021-12-30 00:00:00
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.
State: MI

Complaint narrative:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a certified letter to Experian on XXXX XXXX, and it was received by Experian on XXXX XXXX. About 4 different inaccurate invalidated collections that was placed on my report, that I have not gotten a response for. Three of the collection have previously been removed. As of today, XXXX XXXX, Experian is still currently reporting a inaccurate invalidated collection on my report. According to 15 U.S.Code 1692g ( b ) - if you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If Not This Is A Violation! Experian has violated a numerous amount of federal U.S. Codes, such ass 15 U.S.Code 1681b ( e ) ( 6 ) Maximum Complete Accuracy, 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) Failure to Comply, 15 U.S.Code 1681i ( 5 ) inaccurate and unverified, As well as 15 U.S.Code 1692c ( c ) ( 3 ) just to name a few. Let the rerecords reflect, that I mailed Experian my correspondence & they emailed a computer generated information letter. Basically stating they have 30 days to investigate or respond. Which They Have Not Done, So Promptly delete that item from my file.

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 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I noticed that on my credit report there is derogatory information from this collection agency, Ad Astra about me. Their file # XXXX and are trying to collect funds from me. At first, I set up a payment arrangement and started paying. Then it occurred to me that I never had validation from them that I even owed the debt. Therefore, I sent a certified letter directly to them requesting verification and they sent me some forged documents that I will attach here. First of all, I never took out a {$990.00} loan from Speedy Cash which they are claiming without valid proof. I want this collection/charge off deleted from all 3 credit reporting agencies ASAP. Im a mortgage loan officer professional and I need to keep my credit and financial records clean. Also, I did send information to all 3 bureaus to remove/delete but to no avail. I have the written letters that were sent certified too that I will include here. Please resolve this dilemma for me. Much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/12 I logged in to my Chime app to which I see that my secured card account has been overdrawn. I am immediately alarmed and reach out to support to find out how this could have occurred when I have the safer credit building feature enabled on my account which is advertised as the option to use so that you dont ever have to worry about having to make a payment. Also that is operating against the initial definition of a secured credit card - one in which you are only allowed to spend the amount you have added to that card. I reached out to the chat agents including XXXX, a team lead, that stated the same thing Ive written above. My secured card account should not be overdrawn as there was no available balance to be spend on the card, as Chime has stated would need to be there for a transaction to be approved. I have attached image from my conversations with the Chime agents below.in response Chime states that maybe the transactions need to be disputed, extremely concerning considering the fact that I asked how transactions could be approved on a secured card when this card has repeatedly been advertised as a secure way to build credit. The money deposited in to said account is used to cover charges each month therefore charges should not be approved if the balance is not available. This product is being advertised in a misleading manner.

Company response to consumer: Closed with explanation