vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
-On XX/XX/2024, I opened a Robinhood account. 
-Between XX/XX/XXXX and XX/XX/XXXX, I deposited a total of {$9500.00} and accrued additional money due to Bitcoin 's increase. 
- On XX/XX/XXXX, I was shocked to see an alert on my phone that all of my Bitcoin had been sold ( I did not approve this sell ). I mistakenly assumed that someone had hacked my account and it caused extreme stress. No one from Robinhood had alerted me that they intended to make such a big transaction.

- Later in the day I received an email from Robinhood that they could not longer support me as a customer and that they would return my funds if " eligible. '' I was told that no other information would be provided and I had no idea why this had happened. I STILL have not been informed of this rationale. 
-Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have been trying in vain to speak to a representative. However, the only way to speak to a person is to log in with your account. When I do this, Robinhood refuses to take my call. ( I wait in line for up to an hour then am given the message that my call has been lost in line. ) This has happened multiple times. 
- When I inquired through email if my account was " eligible '' for a refund, I received a message that it was still being determined if my funds are eligible. 
- I deposited the funds directly from my two checking accounts and my XXXX account. 
- I have waited and waited, but my funds have not been returned and I am concerned that Robinhood is in the process of fraudulently stealing this money from me. I am a XXXX XXXX and was depending on this money for summer. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
1. XX/XX/XXXX ; I called and spoke with XXXX XXXX as I had asked for call escalation and he was the Incredibly unprofessional CEO that answered my request for call escalation. 1. I was requesting to have all loan documents from previous Servicer emailed or sent to me. In edition, I asked who the Investors standing behind my loan were. I was briskly and rudely informed that this was Private Information that could not be disclosed. Note : the loan documents that I signed on XX/XX/XXXX showed that it was a Fannie Mae backed loan / Miraculously, it is now being held by Private Investors, which I find terrifying, to say the least. XXXX XXXX did agree to email me the documents. Woah, I have snapshots of what was send. Email number 1 contained my deceased husbands signed loan. He was the sole owner of the loan whilst living, but passed away XX/XX/XXXX whilst he had his mortgage in forbearance. There was no other documents in this group that contained my name or signature. Email number 2. from this same XXXX XXXX contained loan documents of a woman with a XXXX XXXX XXXX Virginia address. I would call this a huge Security Breach, and it terrifies me even more. Who are these people serving mortgages and hiding behind an LLC? Might they make a similar mistake and share my information with a stranger ( in error ). 2. When I called back to inquire, I received a call center in XXXX. No Joke. I have also emailed him regarding this critical error, asking him you he advise I proceed. I have not gotten a response. At this point I am complaining and hoping for resolution via this .gov site. Lastly, it is XX/XX/XXXX and I have no tax documents. Please help me work through these critical issues. Every call I now make ends up at a XXXX Call Center. I might add they are an extremely professional group.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XXXX/24 I requested that the following account be verified or removed immediately. Name of Account Account Number Verification JPMCB CARD XXXX Validate Account JPMCB CARD XXXXValidate Account JPmcb response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report. 15USC. 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 I was told the verification was sent to an attorney XXXX XXXX XXXX of XXXX MD XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX. 
I phoned this attorney and was told that they did not have information that was connected to my name. 
I have never attained an attorney for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford motors placed a 30 day late on my all 3 credit bureaus THERE APP WAS NOT WORKING I HAD SIGNED UP FOR AUTO PAY THEY NEVER LET ME KNOW IT WASN'T WORKING I HAD BEEN DOING PAYMENTS BY PHONE. WHEN I GOT BACK IN TOWN I FIXED EVERYTHING I have had an impeccable payment history with 4 for more than 30 years. There was no courtesy extended there was no help of any kind

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 my checking account was hacked through my debit card linked to my XXXX XXXX. XXXX unauthorized transactions totaling {$1500.00} were processed by Chase Bank. All 8 withdrawals were spent on XXXX XXXX and XXXX XXXX. Chase never flagged this activity or contacted me about the potential fraud being committed. Once I logged into my account and saw this fraudulent activity, I immediately contacted Chase and was issued a temporary refund for the full amount. Several days later, they came back and took the money out of my checking account again, telling me that they had denied my claim. I then went into a local branch of Chase Bank to speak with a representative, who told me the denial was obviously a mistake and they assisted me with filing another fraud complaint. Several days later this claim was also denied. They said the purchases were made via my digital XXXX XXXX. I am a XXXX XXXX XXXX saving money for college and obviously have no need to buy {$1500.00} worth of XXXXXXXX XXXX and I DID NOT MAKE THESE TRANSACTIONS. My best guess is that someone hacked and cloned my debit card through XXXX XXXX. Chase should have noticed this unusual activity and stopped it or at least notified me. Upon doing further research, I have read multiple news articles about others that have been ripped off by Chase Bank. Please help me recoup the money that was stolen from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: HI

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number: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 non-monetary relief
Consumer complaint received 2024-02-14 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: HI

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX  XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There were 2 hard inquiries posted to my equifax credit report XX/XX/2024 that I did not initiate. Someone fraudulently attempted to open credit cards under my name from XXXX XXXX and XXXX XXXX. XX/XX/2024 I contacted XXXX XXXX on the phone, and they stated they would remove my credit application and contact crediting agencies. I contacted XXXX XXXX and they stated they had no record ( the card may have been denied ). I initiated a dispute on both hard inquiries with equifax, and within 24 hours with no contact from equifax for further information, they deemed the inquiries as " accurate, '' and intend to leave the hard inquiries on my credit report, I spite of them being fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: IL

Complaint narrative:
I opened my mortgage with UWM in XX/XX/XXXX and setup an escrow account. In XX/XX/XXXX, I received a property tax sale. I logged in and looked and it shows the bank was collecting escrow from me, they did " pay '' my taxes, but the money was always returned to my account. Then supposedly they sent me an escrow overpayment check, which I never received. I called the bank before the sale date in XXXX, and they said they will fix it. I saw the Tax sale took place on XX/XX/XXXX. My taxes have not been paid at all for XXXX to present. The mortgage company even lowered my monthly payment supposedly because there was too much money in escrow, and now when I add up how much I owe for XXXX, XXXX and now XXXX, and calculate how much money i paid in escrow, I would still be short {$4100.00}

Company response to consumer: Closed with explanation