vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 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: OH

Complaint narrative:
When I check my credit report the date of last activity, high credit, credit limit, etc is not the same across the board. Collections account shouldnt show status as open or with past due balance.

It has a list inaccuracies and all the corporation does is verify the information on my consumer report and tells me its accurate as if they never checked it in the first place.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave permission or received a letter in the mail for this to be reported on my credit, also the credit corporations has not verified the information only asking the other party the accuracy of the info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and notices a few inquires that I did not apply for. I am a victim of identity theft would like the inquires removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I was set up on a payment plan of {$25.00} biweekly by Diversified Adjustment Services until my debt was paid in full in the amount of {$380.00}. The debt was in collection and was reported again for the second time. Causing my credit score to drop 25 points. I disputed it several times with no change. I have bank statements to show all payments made until paid in full. And a receipt for the final payment. It was supposed to be removed from my credit report once the debt was paid in full. It still hasnt been removed nor has the correct payment history been updated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I would like to use this medium to report the deficiency from XXXX XXXX  and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from XXXX XXXX  did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan.

Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Bluebird/Serve by American Express Complaint : On XX/XX/2021 I tried to find out information about why I was unable to use my prepaid card to make necessary purchases related to Hurricane Ida. When I called customer care, I received a recording saying that my account was permanently suspended and to call back to service my account and then the call disconnected. I thought that maybe it was because of the time of day so I tried the next morning. I called the morning of XX/XX/2021 and received the same recording and an email saying that I needed to send a letter. I tried calling again but since my phone number is associated with a " suspended account '', I was unable to get through ; there aren't any options for someone to simply speak with a representative. I had to call from my daughter 's phone and select prompts as if my card was lost/stolen in order to reach a representative. Once connected, I was transferred to Account Services who, after I was finished explaining the problem, told me that I needed to mail a letter to receive more information. I asked about how I was supposed have access to my funds and/or how will I receive the money in the account if all I could do was mail a letter. She kept telling me that she did not have that information and that I had to respond via mail. I asked to speak with a manager and she told me that the manager was going to tell me the same thing. How can this representative speak on what the manager will say when she is NOT the manager?! She placed me on hold and when she returned to the call she said that she could not connect me and to call back in an hour. When I tried to express the inconvenience this has caused me, she hung up the phone. I tried getting connected again and I believe the number in which I was calling from was blocked. 
I have had this account for years and have always used it in the same manner. This is a crucial time right now where Hurricane Ida affected the ability to return home. I had to spend money to stay at a hotel, buy food and other necessities. I was also out of work because there was no power and issues with running water in the area of Louisiana that I reside. This was the account where I have my federal refunds deposited and this is where I had my FEMA assistance sent. I received emails saying that the money was deposited but now, as mentioned in this complaint, I will not have access to the funds. The total amount is {$1500.00} in FEMA assistance and my Advanced Child Tax Credit of XXXX XXXX/month was also sent to this account. 

Customer Care ( XXXX ) XXXX or ( XXXX ) XXXX Account Services ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I had taken some money out of my retirement account to purchase a lot for my son, The deal did not worked out, and the money was sitting in my checking account at XXXX  XXXX XXXX. A friend told me about crypto investing and Coinbase as the exchange of choice. I did a little research and on XX/XX/XXXX purchased my first XXXX token, Then on XX/XX/XXXX two more token for a grand total of {$7700.00}. According to Coinbase, the first payment was denied by my bank for insufficient funds. My bank statement shows payment for the 3 tokens to Coinbase and my wallet shows i do owe them as of today. The problem is a couple of days later, I tried to purchase some more tokens and now my account is restricted to trade, or to transfer my money out of this wallet. 
I e-mail customer services since they do not have live personal help to find out what the problem is and all i got was a genetic letter saying they are working on my problem. Since I do not owe money to Coinbase, i figured maybe they needed ID verification, so I tried to send my ID to them. The next e mail I recieved was and i quote " to explain my intended use of the account, why did i sign up with Coinbase, if some else knew about my account. " i tried to answer all the questions and received another mail saying they are working on it. I have been waiting for a month for them to lift the restriction or to provide me with a reason for it and a way to resolve it. I get nothing more than an e-mail saying they are working on it.

Out of frustration, I was going to cancel the account, but instead opted to transfer out of the Coinbase wallet. Well, I am restricted to do so. In other words, they have full control of my investment and the money it is generating.The value of my account at the present is {$11000.00}, I will like to transfer to another wallet and I need Coinbase to release its grip on my money asap. This Company have the worst customer support. We are
talking a month e-mailing back and forth and I am still in the dark not knowing why my account is restricted and I am unable to move the money out.

I want people to know about their bad business practice, luck of support and use of others people money to profit themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I AM WAITING FOR MORE THAN  360 DAYS. PAYPAL CLOSE MY ACCOUNT  WITHOUT ANY REASEON.
PAYPAL SAID  AFTER THE SECOND REVIEWER  MY MONEY WILL BE RELEASE  .
AT THIS TIME I NEVER RECEIVED ANY CHARGE BACK INTO MY ACCOUNT.

I WILL APRECIATE IF PAYPAL RELEASE MY MONEY.
PAYPAL HOLD THE MONEY AND THEY MADE MONEY FOR HOLD BY 180 DAYS  BUT THAT EARNING DO NOT SHARE WITH ME .

SO , I HOPE YOU ABLE RELEASE MY MONEY NOW .

PAYPAL SHOULD NOT LIE TO PEOPLE , JUST RELEASE THE MONEY OR MADE ME A REFUND.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a complain to different gov agencies but Iwas hoping to receive help from CFPB because citibank send my money to XXXX XXXX  XXXX and XXXX on XXXX I have called citibank and someone named grace confirm that i have sent to XXXX XXXX XXXX XXXXXXXX XXXX and this account still active with them. Why they do not compliance with regulations. I know they should have frozen their funs and investigate. As customer I was told no rights and they protect scammers information. Court subpoene cost per hour distance Why citibank said they did wire to XXXX XXXXXXXX XXXX XXXXXXXX XXXX and on the letter of XX/XX/XXXX, mention this XXXX XXXXXXXX and XXXX. Who order to paid them I did not Appreciated if you could help I do not know this bank and where ( conuntry and city )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NJ

Complaint narrative:
I noticed multiple accounts on my report that I do not recognize

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 2021-09-12 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: TX

Complaint narrative:
Could someone at CFPB please address this and respond back to me. I have tried obtaining an answer with TransUnion. I received my updated TransUnion Credit Report. My TransUnion Credit Report indicates that this one XXXX XXXXXXXX XXXX account ( Account Number XXXX .... ) has been charged-off thirty-six times. 

Is that right? Does CFPB know if an account can be charge-off more than once? 

Please contact me at ( XXXX ) XXXX, if further information is needed. Thank you. Sincerely, XXXX XXXX XXXX SS # 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 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
RE : REMOVE ACCOUNT FROM CREDIT REPORT To Whom It May Concern : This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4200.00}.

Remove this account from my credit report due to the following circumstances : 1. DEBT CAN NOT BE VALIDATED. After over 30 requests for validation via phone and mail and online over the course of 150 days which is 5 times the 30-day LEGAL REQUIREMENT I have not received validation of this debt!

2. DISPUTES DATES OF LAST PAYMENT/OPENED/ OF FIRST DELIQUENCY/BILLING/CLOSED. Remove due to inaccuracy in dates of last payment and of first delinquency.

3. CLAIMS INACCURATE INFORMATION : Remove due to inaccurate balance information as there should not be a balance for a closed account, charge off should need continually be reported.

This debt can not be validated obviously as I have sent numerous requests for a contract bearing my signature, statements and who Experian spoke with specifically as well as what documentation was used to proclaim this debt as valid.

This has since caused me great harm as my children had XXXX XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. I have a XXXX who RECENTLY HAD XXXX that I can not drive to necessary appointments or school due to this impact to my credit. 

This is defamation and causing me and my family great harm. 


Any automated response or e-Oscar verification is unacceptable. I am requesting a removal of this account. 

EXPERIAN IS THE ONLY ONE HOLDING ON TO THIS FALSE ACCOUNT THAT WAS ALREADY REMOVED FROM XXXX AND XXXX IN XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I went to try and process my payroll on Square 's platform and it said that it could not process my payroll. My account looked lower than usual ( $ XXXX ) so I transferred funds from their Square Savings. It showed as a {$4500.00} transfer out of my savings and a {$4500.00} transfer into my account- but my account balance showed as {$0.00}. The {$1700.00} on the account and the {$4500.00} disappeared!

I contacted them via phone and they said they'd look into it and get back to me. They did not call me back. I called the XXXX and I was promised an email. I called a second time and they said they expedited the process. 

On the XXXX, since they have no phone support over the weekend, I tweeted their platform. They got back to me over XXXX within an hour and said they escalated the issue but could not give me an answer as to when it would be resolved. My balance is still {$0.00} even though we had made over {$1500.00} in sales that day. 

We have made over {$2500.00} in sales since the XXXX and it's still showing as a {$0.00} balance. They are still pulling from my sales to pay for my Square Capital Loan, even though I don't have access to any of those funds ( which tells me on their end their system is able to compute the amount of money made, as loan payments are an automatic withdrawal prior to depositing into my account. ) On XXXX I found other customers who have had the same issue this week. I rallied with them, fustrated at this issue and @ Square blocked my account on XXXX! 

They refuse to be transparent about their platform issues and refuse to make an announcement and my balance is still {$0.00}. I have an equipment loan to payoff! I have employees to pay. 

I strongly advise from using Square or promoting Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed multiple accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Primary address is wrongaccount is on freeze and companies still accessed credit report. Wrong phone numbers or numbers that do not belong to me

Company response to consumer: Closed with explanation