vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/2022 @ approximately XXXXXXXX XXXX  I deposited {$780.00} cash into the PNC ATM located in XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. My Money was accepted by the ATM that then came with an error messaging transaction could not be completed. No receipt was provided of the transaction and my card was returned from the machine. I immediately contacted Customer Service and the Employee was not clear in explanation and advised that this was normal and funds would be available in 24 hours or I could then dispute. I explained this was not normal and 9 times to speak to a Manger which he refused and disconnected the call. I called back and received another Employee who understood the issue and launched dispute. I contacted PNC again on XX/XX/2022 to ask for my funds and was advised that they have 45 days. I requested a provisional credit and was told they do not issue for ATM issues even if it is their fault.. Two of PNC employees hung up on me because I was asking for immediate escalation of the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I have been being pursued by mail credit control corporation for XXXX different debts owed to this company which i never had any medical bills owed to this company or any other and it is now negatively effecting my credit score and is holding me up obtaining suitable housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RESURGENT CAPITAL SERVICES has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. RESURGENT CAPITAL SERVICES illegally obtained personal and private information. I did not grant RESURGENT CAPITAL SERVICES permissible purpose to obtain the information. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist of any further use of my personal information. 

Provide all information obtained illegally pertaining my personal and sensitive information. 

Provide acknowledgment of this official notification that I am opting out of any contract opportunity with you. Do not make any further attempts to contact me nor coerce me to do any business with you or the entity you are employed with. 

Ignoring this notice will be evidence that the infringements were willing, deceptive, and in violation of consumer privacy. 


TRACKING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
Received a call on XX/XX/XXXX from a company called XXXX XXXX ( XXXX ) XXXX. 
They stated I was being sued over an outstanding debt from US Bank from XXXX to XXXX. I do not recognize this debt and asked them to provide me with copies of the agreements. They told me that they didn't have to provide this information and that I could " tell this to the judge ''.

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 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
There was a checking account for online banking established with Bank of America using my personal information. I assume as a result of identity theft. 
I did not open the account and learned of it when I received e-mails stating that : Verifying my e-mail address ; Starting an processing an online banking account ; online banking account information ; and finally updating my e-mail address. ( I assume to change it with Bank of America ) I caught it and had the bank account closed prior to any money going in or out of the bank 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 2022-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Evans, Simpson and Associates, Inc.
State: GA

Complaint narrative:
I have had a loan with XXXX XXXXXXXX XXXX XXXX since XX/XX/2022 and I have had insurance with XXXX XXXX since I had the loan. On XX/XX/2022 I had a draft to be added to the loan of {$5900.00} for a Loan Advance Insurance payment to a third party company named Evans Simpson and Associates Inc. I have contacted both parties on XX/XX/2022 to provide the proof of Insurance and have confirmed that they both have received the attached documents in order to have this charge removed from my loan. 
Because of this balance increase to my loan my credit score has decreased and I am looking for this error to be satisfied as soon as possible. I will also like for both of these companies to be investigated in order to keep other consumers from being hassled like I was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 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: WA

Complaint narrative:
This isn't authorized. Please remove those inquiries on my 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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 I received a call from a number that matched the fraud number for Chase bank that was printed on my debit card. The caller stated that someone in Florida had initiated a XXXX transaction for {$2000.00} that was being transferred to a XXXX XXXX account. They went on to tell me that the only way to cancel this was to send the money back to myself since XXXX was a 3rd party platform. They had me add a contact into my XXXX history, the contact was my name, with a reference number that they gave me. I asked for a supervisor and was transferred to someone who verified this was going on. The person then stated that within 2 hours I would have the money back in my account. I waited and realized that the call was a scam after 3 hours, I called and notified Chase. Initially they credited me back the {$2000.00}, however within weeks they removed the funds and stated that I had sent the money to myself, there is widespread knowledge of this scam ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I inadvertently took out a Pay Pal account approximately 4-6 years ago. I was unable to close the account, and have never used it. 
I have email printouts from both XXXX and XXXX dating from XX/XX/22 to XX/XX/22. 
I was contacted by the pay pal billing dept on XX/XX/22, concerning a {$600.00} bill for purchase of three {$200.00} gift cards from XXXX, {$600.00} total, which I did not buy. 
XX/XX/22- received a second email billing for {$600.00} I called the pay pal billing dept to report that I did not purchase the gift cards. 

I was referred to the above win.services email address, and sent my refund amount and last four numbers of my bank account. However, the amount was XXXX ( hit the number 4 instead of $ ). 
They explained that the scammers had made a {$4600.00} deposit into my bank account, and I needed to go to get eight XXXX gift cards of {$500.00} each, and to read the numbers on back of the card to provide pay pal the credit for the amount shown as a deposit into my account by the scammers. Meanwhile they assured me that they were cleansing my computer of hacker access. They showed me the deposits into my bank accounts, and my credit union account. I continued to believe them, as the format showing deposits into all of said accounts were the same as I encounter routinely doing on-line banking. Thus, I believed what they said. This process was repeated multiple times. 
Total withdrawn by me in cash to pay for the XXXX cards was near {$30000.00}. 
I have scanned and uploaded the emails from the two above sources. 
I learned that the bank and credit union accounts showed no deposits, even though I observed same over my computer, which I had released to the above bad guys. The nonly way to check actual account activity was to go to the bank/credit union XXXX Further, the cash withdrawals drained my accounts of {$30000.00} I received an additional pay pal invoice on XX/XX/22 for {$500.00}, which is included in the uploaded file. I do not intend to pay this invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
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.
State: FL

Complaint narrative:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

1. XXXXXXXX XXXX - ACCOUNT # XXXX 2. XXXX XXXX ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
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.
State: FL

Complaint narrative:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a letter from Pen Fed stating the following reasons for denial : -Serious delinquency and collections -proportion of loan balances to loan amounts -length of time revolving accounts established -number of accounts with delinquency However, when I called inXXXX I was told the REAL reason is because I had a small amount charged off years ago. I was also told by the lady who assisted me on XX/XX/22 at about XXXXXXXX XXXX pst that I would NEVER be able to get a credit card with Pen Fed, even if I repaid what I owed. I was further told the system will always automatically decline my application despite my credit score. Pen Fed is in violation of CFRA and federal bankruptcy laws. 

I want my application to be reconsidered. My credit score is good ( XXXX ) and I have no collection accounts. I manage my credit responsibly and my balances are below 2 % utilization for my current credit cards. My XXXX is 4 years. XXXX delinquency.

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