vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities.

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/2021n attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all 3 Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights. 

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since 2021 in attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX I created a payment XXXX while logged into my Chase Business Complete Checking account. The product is described on Chase Business Website as " Chase Quick Accept '' the further requirements are that you " Must Be A Chase Business Customer ''. I signed up for the account, created secure payment gateway and sent it to my client. The total paid on that day by my client via XXXX credit card was {$5100.00} XXXX XXXX. He text me that they payment was completed and I received a conformation email from Chase. 

I waited a few days as my account was running low, and in anticipation of that money I went on with business as usual taking care of other things. I called Chase on XX/XX/2023 and they could not find the account. 

Once the weekend came, XX/XX/2023 I went into the nearest my home. It was then I spoke to the manager and he explained to me that he did not have a merchant account for me. I let him know that I created the account, showed proof, detailing an email received with the chase letterhead once the payment was processed ( I can share this with you all as well ) He called a special internal customer line and found that Chase Quick Accept was actually done through a third party owned by their parent company JP Morgan. That third party is XXXX and they have been a night mare to deal with. Once I spoke with bank manager at chase, he let me know that my account had been closed and that XXXX  would be holding my money because of suspected fraud. 

Upon returning home on XXXX XX/XX/2023 I was instructed to send an email to XXXX  merchant appeals and I did just that. The email included personal business documents, snapshots of email exchanged with clients, and text messages between my client and I detailing that the payment was made. After giving XXXX what they wanted to prove that I have a legitimate business. They declined to send me my money and indicated that it would be held for 180 days. 

Their decision further impacted how able to conduct business, Chase who is advertising this product continued to collect overdraft fees when my account went into the negative balance. I'm now left without this additional means of income, which will allow me to provide services, pay employees and grow my business. I've read mutiple cases where this is a common business practice for wepay.com They have had over XXXX complaints in the past 12 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB Collection with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX XXXX ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due. 

XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding Sent a letter to stop reporting incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I had a bank account with Nevada State Bank. In XXXX of 2019 the manager of the branch told me that I could not have any auto pays in my account. I had some come thru with non sufficient funds but I paid all of my fees. I only owed less then {$100.00} in NSF FEES, but Nevada State bank charged med a daily rate of {$8.00} then NSF fees on top of that & before I knew what was going on in XXXX they said I owed over {$700.00}. I was so angry. I paid it. Closed my account & opened an acct with XXXX XXXX XXXX. Now on my credit report it says that they gave me a personal loan of {$1000.00} on XX/XX/2019. That is a blatant lie. I never obtained a loan. I was never notified that I had a loan or owed payments. When I called they said I owed another {$700.00} in bank fees. For what? My account was closed. They have destroyed my credit saying I defaulted on a secured loan they never gave me. The manager, Of that XXXX Nv XXXX, XXXX was angry that I was closing my account. She was treating me like a child saying I couldnt have auto pay which would mean I would pay more for car insurance, ect. Fraudulent bank fees arent a loan. I was never sent a notice or anything regarding this amount. I asked them to give me the loan documents that state I procured a loan, or any paperwork work regardless this matter. They refused because they have none. I need your help. I need this removed from my credit. A loan is a sum of money given to a person, this personal loan. They never gave, loaned me money. They charged my closed account fees then called it a loan without notifying me or billing me. This is all fraudulent,

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 2023-10-22 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: OR

Complaint narrative:
I been I've been trying to cash my check My tax refund check, my ID was misplaced, someone stole it out of my camper, I reorder it it's been a month and a half, and I still haven't received it, Texas DMV said they are upgrading the system that's the reason for the delay, so only have a temporary card, I was trying to cash app option, and they told me these That all features are not available to all customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Loan Services, Inc.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I received a bill from aidvantage during the first week of XX/XX/XXXX with a statement dated XX/XX/XXXX. The bill had no phone contact information so on XX/XX/XXXX I phoned the U.S Department of Education and obtained the phone number to XXXX which is XXXX. After numerous attempts calling this number and waiting approximately XXXX minutes, I finally reached a representative on XX/XX/XXXX. 

As co-signer for my son 's college education, I explained that I had no previous record of this loan and would like to obtain documentation of where this originated. The agent responded that they could only provide me with payment history and confirm email correspondence sent to me. I then asked why the interest rate was so high at 8.5 % and the agent responded that aidvangtage had sent me correspondence via email which I have no record of receiving and that by sending this email correspondence to me I had accepted the terms of the loan which is currently 8.5 %. I then asked why they had not contacted me by phone. The agent responded that according to their records the number on file was XXXX. I responded that this landline number was not accurate and and should be XXXX. 

To better understand payment history I asked what account they had received payments and the agent was unable to confirm what account they had received the payment from and could only confirm that the last payment in the amount of {$95.00} was received on XX/XX/XXXX before being placed in a hold status because of COVID. The agent then explained that the loan was now active and I needed to make payments. 

Not only is the service poor but I don't know where to get help confirming the accuracy and legitimacy of this loan. Other concerns include : inaccurate customer contact information, inability to provide requested loan information, increasing loan interest rates by stating that an email was sent notifying the customer of this new rate, difficulty reaching an agent to name a few. 

Can you please help me determine the legitimacy of this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Sent letter asking for validation of debt. Proof of claim Request. Pursuant 12 CFR 1024.35, 12 CFR 1024.36, 24 CFR 3500, and 12 USC 2605 and many other things. I have sent it through register mail/ certified mail. XX/XX/2023 They never sent any information or proof and validation of debt. We have no contract with this company. Yet they have publicize our information and now countless people continue to harass us non stop. They have fraudulently reach out to the credit bureaus and damaged my credit because of it. I had to change my phone number because realtors did not stop reaching out about our property. They continue to falsely state that our property belongs to them. Because they loan us money. 
We have never contacted with them and do not know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
According to XXXX All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used. 
Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be 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 explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I transferred XXXX $ on XX/XX/XXXX at XXXX from Venmo to my XXXX debit card. I paid XXXX $ for those funds to be transferred instantly, and Venmo says the max time to transfer those funds would be 30 minutes. It is now XXXX on XX/XX/2033 so it has been over four hours now and I have not received the funds. The money is gone from my Venmo balance and it says the transaction has been completed, yet the money is not in my XXXX debit where I sent it. Venmo said the only way to get my money back is to file a dispute in my XXXX debit, but I cant file a complaint with them because the money never got sent there so theres no way I can dispute. I have sent money to this account before and I checked multiple times that I sent it to the correct account. I want to know where my money is and if like to be reimbursed for the XXXX $ I spent for an instant funds transfer that has take six times longer then Venmo says an instant transfer takes at its longest time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-22 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
According to 15USC1681A2AI- All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used.

Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be 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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
According to XXXX All Transactions which includes late payments and all experiences which includes utilization needs to be removed from all credit reporting agencies. This includes late payments because thats a transaction. And experiences include amount of usage I have used. Such as % of credit used. 
Also I demand to Remove any 3rd party debt collections. They obtained my information unlawfully. Also, I demand any older reporting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
In accordance with the FCRA this creditor, BSI Financial Services, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im a victim of identity theft and I have been going back and forth with this company to resolve my claims, I have provided them with police report and identity theft report and other items that prove my roommate did these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account XXXX was limited about 180 days ago. I got a message stating my funds are eligible for withdrawal, upon trying to withdraw I was met with a message stating " sorry there's a problem '' and also " sorry we can't complete transfer right now try again in a minute or two ''. Upon that message I reached out to CFPB and my attorney general office. I got a response from CFPB PayPal response stating that the issue was with the account linked to the PayPal account that they will proceed to remove the account and I can link another account to proceed with the withdrawal. Upon linking the account, I'm still getting the same error message.

Company response to consumer: Closed with explanation