vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC
State: WA

Complaint narrative:
This debt was in collections With XXXX XXXX XXXX XXXX. Through phone communication I paid is paid a settlement amount of yet of {$1500.00}. The account was considered settled in full is it settled in full on Thursday XXXX is Thursday XX/XX/2018. I have a confirmation letter letter to prove the account the account settled in full. I have given the information to J HPD E finance twice over the phone and mailed it in once. Their attempt to collect this already paid debt is fraudulent and malicious. This is currently stopping stopping my house refinance and a new yeah hence and a new car loan as well as effect as well as affecting my overall credit and credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My father passed away and left me with XXXX XXXX. His bank initiated a wire transfer on XX/XX/21 and funds were deposited into my PNC account on XX/XX/21. The XXXX  to dollar exchange rate in those 3 days ranged between XXXX and XXXX. PNC applied an exchange rate of XXXX, basically 'skimming ' more than {$3000.00} from the amount deposited into my account. Prior to executing this transaction I had researched PNC ACCOUNT AGREEMENT FOR PERSONAL CHECKING ( see attachment ), PNC Performance Select Features and Fees ( see attachment ), and PNC Foreign Currency Services for Travel ( XXXX XXXX XXXX ) : there is no mentioning of a foreign currency 4 % mark-up ( or in this case mark-down ) on international wires. 
This egregious lack of transaction transparency on PNC side runs against UDAAP principles and results in customer harm : if the foreign currency mark-up had been properly disclosed I would have chosen another institution to deposit those funds. I have taken the time to call PNC Executive Client Relations team several times to get to the bottom of this, but so far they have not provided any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TX

Complaint narrative:
i have mailed certified letter and verbally spoke with Experian for the past 6 months with no results. I have been hung-up on and told that they don't have to have proof that the information that is provide on my report is acquire. I have asked to speak with supervisor for the rude and unprofessional behavior that I experienced and no one called me back. I was told the only way that my file could be corrected is if I had a paid membership. My number is blocked from the system i have to call in with different numbers. Today i was hung up on by XXXX in special departments. i have all my certified mail receipts and some recorded phone calls

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 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A XXXX XXXX requested Via Zelle I sent XXXX to the account connected to the property manager XXXX XXXX XXXX for a deposit on an apartment I was applying to rent. The renter called and requested I send the funds to secure my listing on XX/XX/XXXX. I was waiting to meet and view apartment, sign lease the following XX/XX/XXXX but they were delaying the process and I explained I wished to receive a refund and that it would take 7 business days but I wanted the refund immediately for poor business practices and potentially fraud in offering the home. I filed with federal business burea.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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:
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

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 2021-07-13 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:
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I checked my credit report and it has been brought to my attention that Commonwealth Financial Systems has 3 negative remarks on my report of {$280.00}, {$56.00}, and {$870.00}. The total debt they are claiming that I owe them is {$1200.00}. On XX/XX/XXXX. 2021 I mailed Commonwealth Financial Systems a registered letter via certified mail ( see certified mail receipt.jpg )., requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see request of validation.pdf ). Commonwealth Financial Systems has failed to provide any validation bearing my signature that I owe them is debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Portfolio Recovery Associates by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period XXXX Portfolio Recovery Associates is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Portfolio Recovery Associates communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Portfolio Recovery Associates has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Portfolio Recovery Associates must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Target stores closed my account last month onXX/XX/XXXXdue to inactivity. We received one and only one communication about this which got misplaced until it was too late. I work for a very large bank with not only their own credit cards but branded cards as well and have talked with that legal team about the following : 1. There should have been more than just one general prepaid mailing that looked more like junk mail than a call to action notification. 2. As I have opted in for digital communication, they should have sent important account information to my selected email, of which there were none. 3. I have their manage red card site where I paid my bills and on this site every single time I went in wanted me to update financial information, NEVER did this pop up a warning telling us about a pending closure. I contacted them MANY TIMES informing them of their error and their lack of proper customer communication that all good providers ( including where I work ) do to one keep clients and two mitigate the possibility of a lawsuit. Every time they claim they can not turn the card back on that I have to apply for a new one which from the lawyers and branded cards team where I work is a flat out LIE. All I get is we will take this as a learning item for future process improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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:
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

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 2021-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed 2 accounts from Equifax and they are still reporting inaccurate information. I need the information I disputed deleted asap it is hurting my credit score and affecting my livelihood. 

Demand is hereby made for Equifax, XXXX, and XXXX XXXX to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This company has been contacting me for YEARS. I live in NC and I've asked them not to call me ( I have received calls before XXXX and calls at exactly XXXX OFTEN! I have disputed this debt REPEATEDLY! At this point, its passed the statute of limitations in NC if it was truly my debt, so I would like them to STOP harrassing me non-stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equfax is allowing a company to incorrectly report data on y credit report. I have submitted a letter to them from the collection company dated XX/XX/2021 that say I only owe {$350.00}. Yet despite having a copy of this letter they are still allowing the company to report that as of XX/XX/XXXX I owe a balance of {$440.00}. and have made no payments. I filed a dispute and the information was not corrected. I faxed and mailed a copy of the letter to Equfax. I also attached a copy of the letter to my dispute form. Despite all of this they are still allowing the company to report incorrect information. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MI

Complaint narrative:
I am a victim of identity theft. Some is attempting to open accounts in my name.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2021, Discover offered me a promotion - " Youll get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/2021 ''. Here are the terms from the email " Offer valid when you purchase a new {$45.00} XXXX XXXX membership. Offer good when you join online or in-club as a new Club member. New member can not have been a member within the last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. By accepting this offer, you authorize annual recurring charges to any card on file for your XXXX XXXX membership fee ( s ) plus any applicable taxes at then-current rate every year until you cancel. Visit XXXX or a club or call XXXX for full terms or to cancel autorenewal. Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX associates are not eligible for this offer. Must be 18 or older to purchase a membership, and membership is subject to qualifications. Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/2021. Offer fulfilled as a statement credit within XXXX billing cycles after the end of the promotion. '' I made the purchase using my Discover card on XX/XX/2021. Every month, I contacted Discover to ask where my credit was and they said it would take 3 billing cycles from XX/XX/2021. So I contacted them again on XX/XX/2021 and they informed me that some people that applied for this promotion did not qualify, but that they could not provide me with any reason or information for why I did not qualify. Then, I showed them my offer email and asked which condition I did not meet and they told me that I may see the credit by XX/XX/2021, but did not explain why they suddenly changed their mind. How does this make any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: MI

Complaint narrative:
I am a victim of identity theft. Some is attempting to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.

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