vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This past XX/XX/2022, my personal bank account with PNC XXXX XXXX group was hacked online. During the time my account was hacked, I was not able to communicate with PNC bank and neither was PNC bank able to communicate with me. I did not receive any alerts or notifications during the online hack, after 60 days of internal fraud investigation with PNC bank and a police report with XXXX Fl police. PNC bank is now sending me letters notifying me that I owe PNC bank {$9300.00} and that I should receive more notification letters with more amount that I owe them. 
I had in my bank account {$3700.00} that was to pay bills, I never received my money after the investigation and I was not able to pay my bills on time due to. I am trying to take PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX to small claim court. For I am not responsible to pay back PNC money that was stolen out of my control. I banked with PNC for 9 years and never had a problem. The first time my account ever got online hacked and instead of PNC bank helping me, they confiscated the money I originally had in my bank account before the online hacking. I need help with getting my money back and not having to be responsible for paying PNC bank money that was not my fault taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
My name is NOT XXXX XXXX and was not XXXX XXXX XXXX when this alleged account was opened. 

This will be my third complaint against Portfolio Recovery. I contacted portfolio recovery on XX/XX/XXXX disputing the alleged debt. XX/XX/XXXX I was sent a letter stating portfolio recovery refuses to investigate and dispute the debt and demanding portfolio recovery cease and decist all communication with me. 

Today on XX/XX/XXXX, I recieved another letter from portfolio recovery, again stating they are closing the dispute investigation because I have not sent in information requested by portfolio recovery. I was never asked to send any information. This letter was mailed on XXXX XXXX. I also stated in my previous dispute, that I wished for portfolio recovery cease and decist all communications. 

Attached is the dispute and cease and decist request on XX/XX/XXXX, the XXXX letter sent on XX/XX/XXXX and the XXXX letter sent on XXXX XXXX. 

Portfolio recovery is very inconsistent with the letters regarding a debt dispute, signifying they are not taking my request seriously and sending these irrelevant letters to further harass me. I demanded portfolio stop all communications, however I keep recieving irrelevant letters regarding a dispute portfolio recovery refused to investigate. Portfolio recoveries inconsistancy as well as lack of record keeping further backs my origional dispute. 

Portfolio recovery continues to violate FCDPA regulations stated in CFPB. I refuse to allow portfolio recovery violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MD

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair inquiries that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
On today ( XX/XX/22 ), I had spoken with, XXXX XXXX about the following : past accts/debts, that was deemed legally uncollectable/unenforceable, judgment proof, closed, delinquent, had a balance, and charged-off that were removed, from my credit report eventually! Mentioned about the XXXX XXXX XXXX ( ending in XXXX & XXXX balance ), not being addressed, corrected, and resolved by now! In addition to that, XXXX XXXX had set in motion : some transactions Equifax was supposed, to be looking into, and investigating ; only some of them was resolved! However, the main thing went unresolved, untouched, and remained as is, from previous complaints/disputes! Equifax is also engaging in illegal reporting/practices, in this aspect : under my Equifax platform XXXX my credit report is displaying, and advertising something totally different, from what their third-party vendor ( XXXX XXXX  ) has under their platform! The question becomes why or is this legal to do? They also refused me, the right to add, an additional statement of facts, to my credit report! At the end of the day, Equifax has no intentions of making, the wrong right ; when it comes to this particular consumer, and her credit report matters, issues, and requested resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2022-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
I had a ER visit on XX/XX/2020, at the time i had insurance on Nevada XXXX XXXX, I was later billed for services that normally and should have been fully covered. Per XXXX  ( XXXX XXXX XXXX nevada ) I submitted the correct documentation and Medical ID cards at time of visit. Per XXXX XXXX XXXX submitted the wrong insurance for claim proccessing to XXXX. So since XXXX submitted the wrong insurance XXXX did not pay for the claim. XXXX also informed me they have proof that i submitted the right insuranc card because all of the other claims were subkitted correctky and paid out. XXXX XXXX made a mistake and they are trying to make me cover and pay for their mistake. I have made numrous attempts for them to fix them and they just tell me they will submitt this dispute to someone higher up and no one ever follows up with me. The debt collecgtor on behalf of XXXX XXXX continues to update the credit breuars with increase in amounbt that i owe and Im assuming they are adding intrest to the debt that they claim I owe, I do not owe this debt please resolve it on your end and remove it from my credit report.it is destroying my life and preventing me from purchasing my dream home.

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 2022-12-05 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 — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I rec 'd email/text notifications of a derogatory filing on my credit report by several of the companies that I do business with. I went in, can see the first few digits of the account number, the company, and the date filed. 
Company : Southwest Credit Systems Account # : XXXX... .... 
Date Filed : XX/XX/22 Sent to them by : XXXX Amount : {$630.00} XXXX I have tried to call them, they said it would be marked in their system as Fraud, and they sent me to XXXX XXXX Department. 
XXXX XXXX department said they couldn't do anything for me, but did confirm that the email is that of another family member with the same name, and confirmed that it was not the last XXXX of my SS # that they sent to this collection Agency. 

Tried calling several times to get assistance, but can't get anyone to assist or provide me with a manager to work this out. 

XXXX I've tried to reach the CEO via XXXX, providing a brief description and my XXXX XXXX to contact me back, but this has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: IL

Complaint narrative:
I received a notification of a debt that went to collections for the company XXXX XXXX XXXX for {$660.00}. I called the collections company and they informed me that the account with XXXX XXXX XXXX was opened on XX/XX/XXXX and the service turned off on XX/XX/XXXX. They provided the account number and address of the service I supposedly owe and it is located in XXXX, XXXX. I am located in XXXX, XXXX  and I have never lived ( or even visited ) XXXX. 
The mentioned company provides solar and wind energy to homes and I do not own a home, I am an apartment renter. 

Through one of my credit score providers, I also found out that my name is linked to 3 different addresses in XXXX, again, I have never resided in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. XXXX XXXX XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint

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 2022-12-05 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I bought a car tent through XXXX it cost me {$280.00} on my capitol one credit card XXXX. I tried to cancel and wasn't allowed on XXXX. I contacted capitol one card last XXXX # XXXX  to cancel, they refused even after I showed them that I never received the order of the XXXX  # XXXX. I sent copies in the emails that XXXX sent capitol one a refund. And I haven't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MD

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair inquiries that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
On Thursday XX/XX/XXXX I made a deposit into my bank account for a check from the Department of Treasury for a total amount of {$12000.00} the next day the Key bank said that the check was verified and I had an available amount of {$12000.00}. So over the weekend the funds was being spend and allocated. On Monday XX/XX/XXXX I go to make a withdrawn and they put a hold on my funds. They said the amount was a large amount and they wanted me to wait funds to be deposited. They refused to release my money to me and effected business decision that I made based off them originally saying that funds were available. 

They are in violation of many consumer laws and federal codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint

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 2022-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I got scammed by XXXX. i transferred about $ XXXX and then the company would not release any funds as promised. A ton of people lost money in this. Please see the attachment.

Company response to consumer: Closed with explanation