vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NV

Complaint narrative:
Square froze my funds arbitrarily with what they deemed as suspicious activity. They did not ask for any documentation to prove otherwise. They asked for photo identification which was provided and still did not release my funds. They stated that I would receive an email within XXXX hrs stating when my funds would be released. That statement was made on XX/XX/2023 and I have yet to receive any such statement. When I call they automatically recognize the number and terminate the call. The event In question was on XX/XX/2023. The event was a Meet and Greet for my client at the XXXX XXXX inside of the XXXX XXXX XXXX in XXXX, Michigan. The amount they are holding is {$2600.00}. 

I have repeatedly called from several numbers and still I haven't received. I have recently come across information and complaints from other Square customers who have shared that their money was held 90 to 120 days for no apparent reason. As a small business, I can not afford to not receive my money in a timely manner. Because of this unwarranted action, I stand to lose this particular client because of Squares actions or should I say inaction. 

The account with Square is Anointed 7 and is identified by the email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Unauthorized inquiry with XXXX XXXX XXXX XXXX on XX/XX/2023 and it's reporting on my Experian credit report. I need this investigated and removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
On XXXX23 I made an online request for XXXX {$2000.00} contribution to my XXXX at Pacific Premier. Pacific made XXXX debits each for {$2000.00} and gave me credit for XXXX. 

Since then they have played a shell game. 

on XXXX23 XXXX Bank debited a XXXX  {$2000.00} which it dispersed to Pacific Premier on XXXX-23. 

On XXXX23 Pacific Premier credited my checking account {$2000.00} which they took from my retirement account NOT whatever account the missing {$2000.00} went to on XXXX23 Then when the XXXX 23 credit shows up they point there and call me whole. 

2 months and 3 days later I want Pacific Premier XXXX to surrender the second {$2000.00} they took on XXXX23 and NEVER credited me ANYWHERE. 

Thank you. I hope someone can help me pull the wool back from this ridiculous shell game.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I noticed my interest rate climbing on my loans each month. I had a fixed rate prior to Covid. Then my servicer switched ( I think due to a lawsuit with Great Lakes ). When the servicer switched, I no longer had a fixed rate. Customer service is impossible to reach, and they had all my contact information wrong, so they couldnt locate my loan even when I did contact someone. Ive asked them to provide statements from Great Lakes, which their website says they have access to, but I havent received those. I might have access to old tax documents or paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank asked me for additional information which I am providing today attached. My original complaint number with Chase was ; XXXX XXXX. 
Enclosed here is the information and documents Chase requested. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
After carefully reviewing my updated credit report, I saw that you are currently reporting these collection accounts provided above on my credit report. I have no knowledge of these accounts in the first place. While you are currently reporting these alleged debts on my credit report these are causing significant harm to my credit score and financial reputation. 

RE : Account Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The debt collection agency is still saying that I owe this debt, but I never agreed to a contract with LVNV Funding. I am not liable for this debt of {$300.00} with LVNV Funding. In accordance with the Fair Credit Reporting Act, LVNV Funding has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1684 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kingston Data & Credit International Inc.
State: MD

Complaint narrative:
XXXX violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report. No consent is identity theft. 
A collection was put on my account from Kingston data and Credit and I do not and never had any affiliation with this company. 
Furthermore, XXXX violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. Fairness, impartiality and a respect for my right to privacy was not extended to me. You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$100.00} Amex  e-gift card on XX/XX/2023. According to the paperwork that came with the gift card, it can be used to make purchases via XXXX XXXX, or can be used at online retailers. However, I loaded the card to XXXX XXXX and tried to make a purchase, and it was declined. I also tried using the card online at several large well known retailers - XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, etc. and all of my transactions were declined, although I have confirmed the balance on the card is {$100.00} and I was attempting to make much smaller purchases. I spoke with Amex  gift card representatives on the phone who gave me incorrect information, telling me the card could be used at all retailers as long as I provided the expiration date and code. I did so when attempting to make purchases at ALL of these online retailers yet each transaction was denied by Amex! I now have a useless {$100.00} gift card that can not be used ANYWHERE! I also wasted hours of my day today trying calling Amex, speaking to various representatives who were reading from a script. I also researched online and discovered many MANY other people throughout the US are having this exact issue and Amex gift cards can not be used anywhere! What am I supposed to do now?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank decided to freeze my funds and Im not able to access them I been calling all day and they telling me they cant do anything to wait! I read they do this to a lot of customers.

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 2023-12-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone has used my SSN to apply for a credit without my knowledge and I believe I'm a victim of identity theft. On XX/XX/XXXX I received an email from XXXX XXXX informing me of a new hard inquiry on my credit. I am subscribed to XXXX XXXX 's credit monitoring service. I have not conducted any business that required a hard credit inquiry with any institution, so I pulled my latest credit report from XXXX  and confirmed the hard inquiry I was notified about in the three bureaus. The inquiry was processed by EQUIFAX MORTGAGE SERVICES on XX/XX/XXXX and the originator was XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXXXXXX XXXX  and reported a hard inquiry on my credit coming from them that I was not aware of, they took note of my case and said they would send it to the appropriate team to investigate. I have not heard back from them. 

I had purchased the Identity Theft Protection service from XXXX XXXX XXXX XXXX, and they are also helping me work through this issue and have reached out to the Bank as well. I am reporting this case to the CFPB per their recommendation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I sent XXXX dispute letters telling the company Im a victim of the XXXX data breach my personal information was compromised and someone fraudulently opened these accounts in my name. Despite sending police reports proof of residence id social cards they have yet removed this fraudulent accounts from my credit reports. They have yet to send The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My loans were transferred to XXXX on 2/16/2023. However, my credit report on XXXX is displaying I have open accounts with both Nelnet and XXXX, doubling my debt to {$140000.00}. I've contacted Nelnet on numerous occasions and requested to speak with a supervisor with no resolution to the matter. They state since my loans transferred it is not on them. In this case, my credit report should show no open accounts with Nelnet whatsoever! All credit reports XXXX, XXXX, and XXXX should not reflect any Nelnet accounts and be removed expeditiously for that matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have tried multiple times to get the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX off of my credit report to no avail. Please remove it ASAP. Thank you.

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 2023-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: CA

Complaint narrative:
I did not cosign this loan, my identity was stolen for this loan, I went through similar problem with XXXX XXXX servicing in XXXX. All papers were submitted to verified my XXXX Mohela was writing me again on the loan I did not cosign

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax credit reporting is currently unwilling to unfreeze credit file with them so I can apply for a new credit card. Called customer service and stated I wanted it unfrozen from XXXX to XXXX and was told it would happen next. Online portal is broken, and customer service guaranteed report would be unfrozen but it is still frozen even after agent said it would be unfrozen. Unable to apply for card due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX XXXX  to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/2023 I sent a Bill of exchange payment of {$2000.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon which turned it into a check. ( image XXXX XXXX ) for tracking information. I then called on XX/XX/2023 to see if there was an update on my payment. They said they did not receive any form of payment and that it could take longer sometimes for them to process mail payments. I then called XX/XX/2023 to see if there was an update and they still said that they never received a payment and that I should send another check or that I could pay on their app. I told them that I saw that the payment was received at the payment address on my billing statement on XX/XX/2023. They told me that it might have got lost in the system or that they never received it. I then explained if you lost my payment then per UCC 3-603 the amount due must be discharged. They ignored this and said I still owed the debt even though I sent in a legal tender of payment. I then received a letter in the mail from U.S. Bank saying that I am still legally responsible for paying my account statement and a valid form of payment was a check. ( U.S. Bank mail XXXX ) I paid with a check and they are saying that my payment was not valid. I then sent U.S. Bank a Notice of Claim letter, which would be considered a tender of payment and security collateral for my application for my credit card account. ( U.S. Bank Notice letter ) I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. I did not receive any communication from them. I then sent another Notice of Claim letter ( U.S Bank Notice letter XXXX ) with no response ( Image XXXX ) tracking information. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. U.S. Bank has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.

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