vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: MN

Complaint narrative:
On XX/XX/2023, Selene Finance sent a Reinstatement Quote good through XX/XX/2023, which totaled {$16000.00} and which was paid in full on XX/XX/2023. For the months of XX/XX/2023 through XX/XX/2023, my montly installment due was {$1500.00}. For the months of XXXX through XX/XX/2023, Selene indicates that my monthly installment due is {$2000.00} for a difference of {$520.00} per month for those months, with no explanation of the payment increas of {$520.00}. Monthly late fees are {$48.00} which totals {$290.00} for the months of XX/XX/2023 through XX/XX/2023. XX/XX/2023 's installment was paid on time, therefor accrues no late fee. The statement indicates late fees and " other charges, '' but does not break down those " other charges. '' The attorneys ' fees of {$1600.00} were included in the {$16000.00} reinstatement installment on XX/XX/2023. There is a " Corporate Advance Balance '' of {$830.00} with no explanation of what a " Corporate Advance Balance '' is. The monthly installment of {$1500.00} includes, and always has included, taxes and insurance. My mortgage is now current and should NOT be {$2000.00}. There has now been {$1500.00} ( {$520.00} x XXXX ) paid extra for the months of XX/XX/2023 through XX/XX/2023 and another {$2000.00} due in XX/XX/2023 for a total of {$2000.00}. On the XX/XX/2023 Mortgage statement it is indicated that escrow had a negative balance of - {$3300.00} and XXXX ( XXXX ) separate escrow advances totaling {$2900.00}. On the XX/XX/2023 Mortgage Statement, it is indicated that escrow now had a negative balance of $ XXXX for a difference of {$1500.00} in the XX/XX/2023 and XX/XX/2023 Mortgage Statements. On the XX/XX/2023 Mortgage Statement it is indicated that there was yet another escrow advance of {$4800.00}. Again, my monthly mortgage installment of {$1500.00} does, and always has, included both taxes and insurance in that payment and my monthly mortgage installments are current and paid through XX/XX/2023 as of XX/XX/2023. There seems to be no justification in the {$520.00} additional monthly charge on my XX/XX/2023 through XX/XX/2023 montly installments. Explain IN DETAIL please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have sent a complaint previously and they gave me instructions stating that i could send a permission to return letter to withdraw my money. My reference numbers for the complaint are CFPB XXXX XXXX : XXXX & XXXX. 
I just need DETAILED INSTRUCTIONS on how American express wants me to do this permission to return. I had my bank manager send a email to the American express fraud department. But i need exact details on who my bank manager needs to contact and every detail he needs to confirm and write to this correspondence so this ordeal goes as smooth as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MS

Complaint narrative:
Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MS

Complaint narrative:
Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
A loan was taken out in my name at XXXX XXXX. I've disputed it with the bank now I'm disputing it with National Credit adjusters , LLC. National Credit Adjusters told me that the money was transferred to a XXXX XXXX XXXXXXXX account. I do not have a XXXX  XXXX XXXX account to transfer money too. This has been on my credit for over a year and still has not been cleaned up or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have unauthorized activities/inquries on my credit report. I've been calling all three bureaus, and I'm seeming to not to get nowhere. I would love this unauthorized activities of my credit report, i have been doing disputes on the phone as well

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 2023-11-16 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: NC

Complaint narrative:
XXXX XXXX {$610.00} {$600.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX {$540.00} I requesting these account to be removed from all of the Credit Report agencies. XXXX XXXX is not my legal name. The accounts are listed and reports different amounts due and the number of times being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
XXXXXXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX  XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
My son 's phone was stolen on XX/XX/23 and he handles my Robinhood account. The individuals who stole the phone hacked into my Robinhood account XX/XX/23 ( without my knowledge ) and sold XXXX of the stocks. They proceeded to then add an account they created through XXXX to transfer the money. Robinhood required verification of a statement, which was easy to do since they had my information. I am not sure if they required ID verification from this person, yet the money was transferred out of the account. On XX/XX/23 I attempted to login to my account. The thief had changed my password. I had to do an ID verification by uploading my driver 's license, as well as, real-time facial recognition. Once in the account there were pending transactions from XX/XX/23 showing sales of the remainingg stocks and transfers to a credit card that is not mine. I contacted Robinhood immediately to stop the pending charges but customer service said they couldn't help me and that they would reach out to me the next day. Too late! The pending charges went through and my account was depleted. After weeks of disputing this, and a police report filed, Robinhood has determined, " no unauthorized activity was detected ''. Customer support will not help and I am now out $ XXXX. Robinhood will not refund me after proof of fraudulent activity through my bank and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid off my card, 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX  has stated again that the information on my account XXXX XXXXXXXX is correct but they are wrong because I have sent them proof of payment of my Insurance along with the Declaration Pages. Both XXXX and XXXX XXXX mortgage have fraudulently tried to take more money from me on an Investment property through Escrow that is more than three times the price of the insurance that I pay for the property. I want XXXX XXXX  to erase the Escrow immediately before I am forced to file a lawsuit against the company including criminal charges of fraud. As you can see from the paperwork including my refinancing of the property in XXXX, that the insurance was paid every year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
XXXX XXXX NY keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX NY keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX - Received XXXX Branded Credit Card ( TD Retail Card Services ) that had been fraudulently opened and used to make purchases XX/XX/XXXX - Called TD Retail Card Services Fraud Department to report fraud and open a case XX/XX/XXXX - Filed report with local police department XX/XX/XXXX - Followup call was made to TD Retail Card Services Fraud Dept- confirmed that my case was received/opened on XXXX XX/XX/XXXX XXXX - Followup call was made. Investigation was still pending XX/XX/XXXX - Followup call was made. Investigation still pending but letter was sent to my address to review, sign, and return a Declaration of Fraudulent Activity XX/XX/XXXX - I sent a separate letter, Proof of ID, identity.gov report, and police report to TD Retail Card Services Fraud Dept via certified mail XX/XX/XXXX - I received in the mail the letter dated XX/XX/XXXX. Their request was to return the signed declaration within 14 days so I scanned and emailed the signed declaration, letter, proof of id, identity.gov report, and police report XX/XX/XXXX - I called the Fraud Specialist handling the case who informed me that the case was closed because there was no response. The specialist claimed the declaration was mailed on XX/XX/XXXX. This contradicts all previous phone calls. Also, I complied with the letter received on XX/XX/XXXX by emailing signed documents within the 14 day period. A new Fraud Case was opened and processed with my already signed affidavit. 
XX/XX/XXXX - Followup call to Fraud Dept - Specialist said I was not responsible for charges and a letter would be sent out. 
XXXX - Received Final letter from TD Retail Card Services Fraud Department dated XX/XX/XXXX stating that " We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' XX/XX/XXXX - Received Account Statement ( same account number as before ) with new transaction posted on XX/XX/XXXX. Called fraud dept and opened another case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of a scam that I thought was a work from home job. The scammers went as far as interviewing me for the job. Then they sent me a check to deposit and send through XXXX, which ultimately returned unpaid. Originally I sent my own money in place of the check because i believed it would clear because it looked to have been accepted. The next morning I freaked out because the scammers got access to my bank login and got me for {$1200.00}. Which was all the money in my account. I called the bank to dispute the fraud of {$1000.00} and {$200.00}. I filed a police report and a complaint with the XXXX  for the supposed data entry position of XXXX XXXX. I contacted the fake employer and was blocked. The bank took my info and filed the complaint but didn't allow me to submit my proof. After a week my bank account is closed and my claim was denied. I am unable to appeal the decision according to the lady on wellsfargo customer service which I believe to be false because the letter states otherwise. The money scammed was all my unemployment money. I had never had an issue or problem as a customer before that incident. What concerns me is the fact that the check was accepted in the first place, which led me to believe it was good. I don't know what to do. I need some help please!

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 2023-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXXCapital One Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card '' account under an open end 353 consumer credit plan as late for and purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have disputed my Chase card information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/2022. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated

Company response to consumer: Closed with explanation