vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2022 a withdrawal in the amount of {$2500.00} was deducted from my PNC Savings account. The incident happened with the drive-thru teller. The money was disbursed without verifying or confirming if the person was the account holder. Then on XX/XX/2022 and on XX/XX/2022 XXXX more withdrawals were made from my PNC Savings account for {$1000.00} on each of the above mentioned dates which totaled {$2000.00}. Again it was done with the drive thru teller and once again no verification was performed. I found out about these XXXX withdrawals from my savings on XX/XX/2022. I informed PNC and they initiated a dispute in which I needed to sign XXXX affidavits for these incidents. These affidavits were submitted on XX/XX/2022. A week later my account was reimbursed for {$4500.00}. 

Then on XX/XX/2022 a check from XXXX under my daughters name was provided to the teller to be cashed for {$800.00} and the money once again was provided without verification. Another dispute was submitted with another affidavit and upon further investigation PNC determined that the check wasn't valid and was fraudulently done with my daughters information. Upon review of surveillance the vehicle was a XXXX truck and did not fit the descriptions of our vehicles. Upon PNC confirming it was not me or my daughter, once again I was reimbursed for the {$800.00} a week later and the dispute was closed. 

Additionally, on XX/XX/2022 a check from XXXX Bank was provided to the teller to be cashed for {$2000.00}. Once again, for the XXXX time, the transaction was not verified and {$2000.00} was provided without verification. Another dispute was submitted with another affidavit done by PNC bank, and as of today Friday XX/XX/2022 I have not received my reimbursement of {$2000.00}. 

I am requesting for these incidents to be documented with the FTC and Federal Reserve simply because they are not keeping my accounts safe. I have been a loyal customer for 40 years when the bank XXXX XXXX texas XXXX bank, then merged with XXXX compass, and then with PNC. I am extremely upset with the lack of security PNC has shown for me. How is it possible that they didn't learn their lesson from the first oversight that happened on XX/XX/XXXX? They refused to keep my money safe XXXX times and allowed these withdrawals totaling over {$7000.00} within a matter of 3 four months. This is unacceptable, and I will not be a victim once again because of their laziness and refusal to take care of a loyal customer. I want answers and results regarding their careless behavior and I want my {$2000.00} back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I received a letter from PennCredit Corp ( reference XXXX ) stating that I owed them {$570.00} for XXXX XXXX ( XXXX ). I do not and have never had an account or dealings with XXXX XXXX. I believe this is a fraudulent attempt to collect money I do not owe. I am requesting that PennCredit Corp stop sending me letters and stop this fraudulent attempt to get money from me. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity back has supposedly been going through a " planned system update '' since around XX/XX/XXXX. I have been trying to call Comenity as well as XXXX XXXX and they aren't taking calls. The line hangs up on you. I have tried online and you can't do it online. I have been charged fees because I can't make a payment but we can't make payments because the entire system is down. So far I have been trying to talk to them on XXXX daily, call daily, and check the website daily. It's a nation wide outage. No notice was sent out of any kind of update occurring and this doesn't sound like an update. It's been almost a month since this all started and millions of customers are angry. The bank keeps posting on social media that customers can access their accounts, but we can't! You can't even cancel the card because there isn't a customer service connection of any kind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I went to make a payment to my insurance company through PayPal, I have over seven different accounts with PayPal so just like any other transaction I thought I would be prompted to select which account I want to use. I was not and what happened was they automatically selected my bank account. I went onto PayPal to try to change the payment method and at that point I determined it was too much of a hassle so I cancel the payments and paid through my own independent method. In that time PayPal attempted to take that same money which was {$310.00} out of my account three times which then XXXX calls for me to be charged overdraft fees. I reached out to PayPal to inquire about this as well as asked them to give me my money back for my overdraft fees and I was told that they would give me a letter but there was nothing else that they could do for me. I spoke with a XXXX who is a supervisor in the debt collecting department, which I was not supposed to be connected with to begin with because the money had already been taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
XXXX at XXXX sent an eviction email to all residents during covid who were not able to pay their rent. The eviction date was XXXX XX/XX/2020, I moved out XXXX XX/XX/2020. The attached letter from Columbia Debt Recovery LLC, DBA Genesis, charges me for rent in XXXX, XXXX, XXXX, and XXXX, even though I had moved out. It also looks like they charge me for rent in XXXX, XXXX, and XXXX, but those months were paid. I have asked numerous times for XXXX ) proof of nonpayment and XXXX ) explanation of the amount due, but have not received any information. Every time I call to speak to someone, the person I spoke to before is never available, and I have to explain everything all over again. I just want an explanation of the debt but they keep avoiding answering my questions. 

XXXX sent to credit bureaus disputing the amount and requesting debt validation. 

XXXX received from company, does not validate debt, only lists amounts with no specifics. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX informed her the information on the debt validation letter was wrong. I moved out of the property XXXX XX/XX/XXXX, per the eviction email sent to all residents. XXXX was not aware of the eviction email, I sent her a copy, but she never replied. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX XXXX him I never received a response from XXXX. I again requested debt validation ; he said it takes 15 days. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to Sam, he said XXXX and XXXX were not available. I asked for a follow-up to my debt validation request, he said they already sent it to me. I informed him the information was incorrect, and I requested a breakdown of the amounts. He said their office requested the information from XXXX at XXXX, and it can take up to 30 days, but could not tell me when the 30 days started. I mentioned it had been more then 30 days since I spoke to XXXX and asked him for the exact date of that request. He said he could not provide that date because I am not their only case, and to I am not their only case, and to call back later. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to XXXX, she said XXXX and XXXX were no longer managing my case, and XXXX was as of today. I informed here the information provided was incorrect and requested a breakdown of the amounts. She said they requested that information in XXXX but could not give an exact date. I said I will call back in the beginning of XXXX, that would be more than 30 days after speaking with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: NC

Complaint narrative:
I have 20 inquiries that I didnt approve of and I didnt have any knowledge of inquiring about none of these. Would like to get them removed from my credit report please. 

XXXX XXXX XX/XX/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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: GA

Complaint narrative:
Okay so I have disputed this account on several occasions for reporting inaccurate information on my credit report. The account status is showing account not disputed which is inaccurate information. I tackled this account so many times and nothing has been resolved. 

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : 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 explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The monthly statement on my Venmo credit card ended on XX/XX/XXXX and cash back rewards were supposed to be sent to my account within 3 business days. I learned that my account was closed by Venmo on XX/XX/XXXX and cash back was forfeited. Since I did not close the account I don't think it's fair for me to forfeit my cash 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 2022-07-18 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : 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 2022-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : 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 2022-07-16 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: LEXISNEXIS
State: GA

Complaint narrative:
Applied for credit for a personal loan. Credit Bureaus advised a bankruptcy was on my credit and verified by lexisnexis. This is incorrect information. I want to know how this information is being reported on my credit report. This is hurting my chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.

Complaint narrative:
I am from XXXX. am XXXX XXXX XXXX. was about to start new business on XXXX. I had to buy goods. So I contacted this distributor. I contacted him and I ordered 150 pieces from him. They told me to transfer the money to my bank account. I'll have your goods Shaped to XXXX XXXX. I was very happy That this work is very easy. That's why I transferred the money to his bank account on XX/XX/XXXX. I contacted the distributor. That you have received the money, please shape my goods XXXX warehouse now. The distributor said I will contact you in an hour. But after an hour the distributor did not contact me. And blocked me, then I tried to connect with another XXXX distributor. But when he found out, he blocked me from there too. Then I tried to connect with him from my friend 's XXXX, but he still blocked me. I also e-mailed them and they blocked me. Now they have blocked me from all sides. They cheated me or ran away with my 500 . I now know that it was fake a distributor. They have created a fake website. And make people stupid. Takes payment from people. And then block them.I can't even take any legal action against this distributor as I am out of US. Please recover my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2022, I sent XXXX via PayPal to XXXX XXXX for tickets to a XXXX game. They insisted to send it as PayPal Family and Friends, and they would send tickets right away. As soon as the money was sent, they blocked us on XXXX and didn't send any tickets. Within the hour, the same day, I sent a report to XXXX, and asked XXXX XXXX for the money back. PayPal declined my request even though the funds have not left my back account yet. My bank says I have to wait to until the funds leave my account before they can investigate. PayPal says XXXX will have my money by XX/XX/XXXX, they should stop the transaction. 


XXXX XXXX - XXXX XX/XX/XXXX, XXXX Sent - {$94.00} Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( XXXX XXXX XXXX XXXX XXXX ) {$94.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Tickets XXXXXXXX XXXX XXXX Sent to XXXX XXXX  {$90.00} Fee {$4.00} Total

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XXXX Amount : 0 Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO 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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Bank Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section XXXX15 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft. 

I Never opened a credit card with XXXX  XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. 

Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. 

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies.

Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )

Company response to consumer: Closed with explanation