vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
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.
State: TX

Complaint narrative:
THESE ARE FRAUDULENT ACCOUNTS AND THEY HAVE NOT REMOVED THEM

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 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Hello, I am submitting a complaint regarding a dual transaction for rent in the month of XXXX, 2019. My leasing office, XXXX XXXX, charged me twice for rent and I disputed the second charge with PNC Bank. I am disputing this second charge of {$1500.00} because PNC Bank provided me with an initial provisional credit for the amount. PNC reversed my credit because the bank claims it sent me a questionnaire requesting additional supporting documentation. In my initial dispute filing, I provided the contact information for the rent manager at this property because she agreed to communicate with PNC to confirm that the leasing office does not have a record of that payment. PNC neglected to contact the rent manager and is denying my request to file a new dispute to recover the funds because their 120 day period for dispute filing has closed. I never received the initial questionnaire PNC claims to have sent via mail and the bank did not share any reminders or an electronic form of the questionnaire even though I previously elected to receive electronic communication. Mail is frequently misplaced at my apartment complex and I still have yet to receive a questionnaire. I have visited a local PNC branch several times in an attempt to re-file the dispute but this was unfortunately not possible due to the 120 day time frame. I have included evidence of the double payment as well as information regarding my communication with the leasing office to request that PNC fully and permanently credits my account and removes any associated overdraft fees. 

Thanks for your support in advance and please inform me of any updates. 

Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written Experian and informed them that public record information on my credit file is being reported in error and that the public record information acct # XXXX that they have belongs to someone else who may have used my personal information. 

Initially, Experian did remove the inaccurate and erroneous information, but after checking my Experian credit report, the inaccurate and erroneous account has been entered onto my credit report again. 

I have written to the USBK Court and they did inform me that they do not send information to the credit bureaus nor do they verify information with the credit bureaus. The item in question should have never been on my credit file and it should not have been re-entered on my credit report once it was deleted.

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 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
We opened an XXXX XXXX credit card through XXXX XXXX in order to purchase a couch for {$1000.00} as the promotion at that time would save us roughly {$200.00} for taking the card. We bought the couch, paid the amount in full with one payment, and immediately canceled the card. The account number ends in XXXX and you can verify there will be no further history of purchases. 

Last year I received a letter from XXXX XXXX XXXX stating I owed some money but the letterhead did not appear to match the company logos correctly, nor did the phone number on the letter match any information I had for XXXX XXXX credit. I called my numbers for XXXX XXXX credit, they said I had nothing open with them, and that the letter was spam. I called my phone number for XXXX for their credit department just to be sure, they told me that I had no open account with an outstanding balance in the letter was spam. 

Yesterday in the mail I received a letter stating I have been sent to collections. The amount being collected was {$350.00}. I will attach a photo of this letter. Because it says XXXX XXXX I called my local branch manager XXXX, told her that on the letter there was an account number ending in XXXX, she looked that up and confirmed an amount for {$350.00} being owed. She later explained these charges to be a {$35.00} a month fee for owning the credit card, plus late fees, and plus interest. She says there is no evidence of our request to cancel the card which we made immediately after sending the one time for payment to cover the couch. 

I look forward to your correspondence and will answer any questions you have. Thank you for your help and your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
My employer ( a bank ) informed me of a Robinhood account under my name, which I was never aware of. I don't remember opening such an account and I have never received any correspondence from Robinhood about this account. I believe the account was falsely opened sometime in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
I opened an installment loan with Speedy Cash for {$650.00} on XX/XX/XXXX. I was paying {$90.00} every two weeks. In XX/XX/XXXX, I still owed {$600.00} on my loan. Before, XX/XX/XXXX I paid the loan on time. I can no longer make payments due to my financial situation. I called to see if their were other options available to me such as payment arrangements so I could pay my balance down. The customer service representative basically told me that I have to go into collections for your company to work with me. It's sad that I have stop paying to get some help! I feel that I have paid my loan amount in full. I would like all the payments that were made from XX/XX/XXXX to XX/XX/XXXX to be applied to my principal balance. I have paid Speedy Cash a total of {$1600.00}. Once you apply the payments, my balance will be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: U.S. BANCORP
State: MN

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2015, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND 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 2019-07-18 00:00:00
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.
State: TX

Complaint narrative:
HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS AND ITS TORN MY CREDIT UP AS A RESULT

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 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
This is in reference to claim # XXXX The above claim was filed because for years Ford Motor Credit has reported a charge-off incorrectly as well as a small balance on a car loan. 

At the resolution of this claim FMC agreed to remove the balance AND the charge off from my credit. They did so for one month. 

On XX/XX/2018 the charge-off was re-ported to my credit AGAIN ... this time registering as a NEW charge-off and lowering my credit 20+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Contacted Experian and XXXX multiple times concerning XXXX XXXX. 
Experian stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to XXXX XXXX and Experian and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to Experian and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.

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 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Receivables Network
State: CT

Complaint narrative:
XXXX XXXX indicates he has a file on his desk about me, has left messages threatened to file adverse action against me. I have no knowledge or received documentation regarding " the file '' XXXX XXXX represents Sage Capital Recovery XXXX Ext XXXX He contacted me several times this week at work. 
Today XX/XX/19 I called him back, asked him to refrain from calling or leaving messages at my work place. I stated my name and repeated twice to stop calling my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I seen a pair of XXXX XXXX concert tickets I notified the person about the tickets, we went back and forth about how to do payment and I asked gentleman to send proof of e-tickets and he did.I then called him about the tickets he told me I can transfer the tickets through ( XXXX ) and that I can go through my Mobile banking app ( Suntrust ) .I opened a account on XXXX thinking my bank had my back and transferred the money of XX/XX/XXXX day of the concert.Soon as money was sent I called seller to see why my tickets were not sent, call didnt go through and was on block.I then realized it was a scam.I called my bank immediately to stop payment they couldnt.

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 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contacted XXXX and Transunion multiple times concerning XXXX XXXX. 
XXXX stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to Trans union and XXXX and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to XXXX  and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.

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 2019-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, During my residency in XXXX, I opened and used a Paypal XXXX account linked to my email " XXXX ''. 
At 2018, I left XXXX permanently to settle in XXXX, from there I had no access to my paypal account which contained about XXXX CAD. 
Many times, I ask paypal to give me the opportunity to recover my money before transferring the account to XXXX, the proposed solution and access the account and perform the operation. However, this solution is unfeasible since I have to move from XXXX and XXXX to access my account and transfer the XXXX CAD. 
Until today the case is pending, no solution has been proposed by Paypal to solve my problem. 

Thank you in advance. 
XXXX XXXX if this message is broadcast please hide my e-mail and my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
A COLLECTIONS ACCOUNT WAS OPENED WITH TRANSWORLD SYSTEMS FOR 2 DIFFERENT ACCOUNTS. I DO NOT KNOW WHAT THESE ACCOUNTS ARE FROM BUT THE DATES SHOW IT WAS A " DEFAULT '' FROM XXXX, 2014. THE STATUTE OF LIMITATIONS ON DEBT COLLECTIONS IN MY STATE IS 5 YEARS. WE ARE WELL PASSED THE POINT OF COLLECTING. THEY ARE NOT ABIDING BY THE LAW BY TRYING TO COLLECT SAID DEBT. I HAVE NEVER RECEIVED ANY NOTICES OR ANY VERIFICATION OF THIS SAID DEBT. THIS COLLECTION IS HURTING MY CREDIT SCORE CURRENTLY. SINCE THEY CAN NOT VERIFY THE DEBT IT NEEDS REMOVED FROM CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
In XXXX of 2016, the management company for The XXXX at XXXX apartments in XXXX, TX attempted to force me to pay an additional month of rent after I had vacated the property. The lease required that they provide notice at least 90 days in advance of the renewal/move-out period. If they did this, then I would be required to provide them a 60-day notice of intention to vacate/not renew. If they did not do this, then I was required to give them the standard 30-day notice of intention to vacate. The management company at that time, XXXX, did not provide the management-required notice, thus I was only required to provide a 30-day notice per the lease, which I did. 

This was a contractual dispute, not a debt incurred and then not paid. Instead of bringing a suit before a court of law to settle the contractual matter and prove a debt, XXXX submitted to Alexander-Rose, Inc. for debt collection. Alexander-Rose was told of the contractual dispute but posted the debt to credit reporting agencies again without bringing a suit before a court to settle the contractual dispute. 

I am now seeking to rent another apartment and am being denied upon the basis of this reporting, which was never substantiated in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX/XXXX/2019, I made a cash withdraw from an ATM in XXXX, XXXX XXXX. The ATM dispensed cash in U.S. dollars in the requested amount of {$400.00}. The ATM advertised and charged a {$3.00} ATM fee. Synchrony refuned the {$3.00} as it fell under the $ XXXX monthly refund for ATM fees assessed. However, a 1 % or {$4.00} foreign transaction fee was also charged to my account on XXXX/XXXX/2019. I contacted Synchrony to inquire about this charge. Synchrony insisted they had not charged the fee and that the charge was coming from the other bank. I explained that the charge was not advertised on the ATM and I had not agreed to a foreign transaction fee thereby making the charge unauthorized. After some back and forth, Synchrony provided me with a Transaction Dispute Form on XXXX/XXXX/2019. I filled out the form, had it notarized by a licensed notary, and submitted the form to Synchrony on or around XXXX/XXXX/2019. As of XX/XX/XXXX19 ( 1 month later ), Synchrony has not processed my dispute or refunded the unauthorized foreign transaction fee amount of {$4.00}. As previously stated, the {$4.00} charge is not authorized. As it was not authorized, it qualifies as a fraudulent charge. Therefore, Synchrony must refund the {$4.00}. As Synchrony has not properly addressed this issue, I am failing a complaining with the CFPB to push Synchrony to address this issue. I also submitting this complaint to create a formal record of the issue and Synchrony 's inability or refusal to act on its customer 's behalf.

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 monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have tried to close my account several times with Wells Fargo and have requested so in writing. The account has been overdrawn a few times due to reoccurring charges that I have no control over. They have told me that once I bring the account current that they will close. Well I have brought it current several times and they have refused to close until I request again, which I have done and they gave ignored my request all while hitting me with various fees for low balance, overdrawn accounts, and a monthly fee for an account I've asked them to close. 

They have consistently tried to gouge me for fees and that's why I've moved my banking elsewhere. They are trying to make me jump through so many hoops to close the account its absurd. I explained to them that I had moved my banking elsewhere and no longer lived near a WF so it wasn't easy for me to transfer money or go in branch. They have left me on hold for half an hour multiple times, transferred me to numerous people to waste my time and have ultimately ignored my several written request to close the account, all the while charging me fees for low balance, overdraft for reoccurring charges that I cant control, and for account maintenance that are all a result of me moving my banking elsewhere. 

This is the exact unscrupulous fee-generating activity that this bank has been accused of and have been found to have committed in the past. I won't allow myself to be a silent victim. Wells Fargo has been a nightmare to work with and I have never felt comfortable that my money was safe, that the bank had my best interest at heart, and that they could be trusted. It was the only major bank around when I first moved and I quickly learned that convenience isn't always the criteria that you should look for in a bank. 

I do have correspondence to prove everything I'm saying but like a company that values transparency, Wells Fargo doesn't allow you to download your secure message with them. My question is what are they trying to hide, other than the obvious?

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 monetary relief