vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Paramount Recovery Systems, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Paramount Recovery Systems to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Paramount Recovery Systems provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly. I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
Loan Depot is unable to tell me when and for how much I can expect my next insurance payment distribution, from water damage at my home. This is causing me to float several thousands of dollars to contractors. I am waiting on several paper checks, because they can only receive direct deposits, they do not send money out via direct deposit. When I call the loss draft number ( XXXX ), the person I talk with is unable to help me and says the " processor '' is the only one that can help me, BUT I can't speak with them or email them. Their " XXXX XXXX '' allows me to send questions but I don't have any receipt that they have been received and have not received any follow up from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received notification that payments on my XXXX credit card account would be reflected as " Robinhood Card '' on my statements. It was unclear to me from this notice whether this meant XXXX is now or was at any time owned by Robinhood. 

On XX/XX/XXXX, I received a notification that my credit limit decreased by {$2100.00} as a result of periodic account review. I was informed if I made a payment of {$4000.00}, my limit would be restored back to its original limit. I did not make the additional payment. 

On XX/XX/XXXX, I made a partial payment on my account in the amount of {$300.00}. The credit did not post to my account until on or around XX/XX/XXXX. 

On XX/XX/XXXX, I made an additional payment on my account in the amount of {$300.00}, as it was unclear whether my XX/XX/XXXX payment was or had processed. The credit did not post to my account until on or around XX/XX/XXXX. 

Prior to this change to Robinhood on XX/XX/XXXX, any payments to my account would reflect immediately without delay and on the same day the payment was initiated. In addition, it appears my credit limit was reduced intentionally in order to bring me over my credit limit to charge additional over the limit fees and increase my interest rate, as well as negatively impact my credit score by reflecting a high usage to limit ratio. I have never been late on payments on my account and I have not ever gone over my limit until the credit limit change was initiated by Robinhood. I believe these actions are predatory acts by Robinhood and done intentionally to collect late payment and over the limit fees, including increasing interest rates as a result of any over the limit breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a victim of identity theft account opened was not authorized by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A week ago, I started a payment to Capital One through my bank. XXXX  I get a message saying my payment is late and I got a {$29.00} late fee accessed. This made me look into the payment, that's when I saw that it was " still pending '' in my bank account in some sort of glitch. I called Capital One to find out what was happening and what to do next. I spoke with XXXX customer service people and XXXX supervisors without any resolution. They did release the late fee, however, my payments have gone from {$31.00} a month to now {$98.00} a month because of this! Is this even legal for them to raise my monthly amount to 3 times what my monthly payment was??? Now I've been " threatened '' with all of this going on my credit report!!! Over 8 years of loyalty and NOT ONE MISSED PAYMENT!!! I'm XXXX over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a notice dated XX/XX/ from Target/TD Bank USA that my Target Credit Application was denied. I did not apply for this card. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX -Acct # XXXXXXXX XXXX XXXX-Acct # XXXXXXXX XXXX XXXXAcct # XXXX, XXXXXXXX XXXX XXXX-Acct # XXXX and XXXX XXXX-Acct # XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Rushmore Servicing company took over Rushmore mortgage. I had XXXX XXXX insurance and then 2 years ago switched to XXXX XXXX. Rushmore Servicing doesnt show the changes and now putting into my escrow account over {$4000.00} that I must pay. I had XXXX XXXX to verify that the insurance was paid for and I had coverage. I tried to reach Rushmore Serviceing and all I get is automation. The automation doesnt have a selection to help me. Ive tried different numbers and they have the same automation. I need to speak to a representative to get this resolved because my insurance payments have gone up {$300.00} plus dollars. Ive never dealt with a company that doesnt have a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: KY

Complaint narrative:
On Sunday XXXX XXXX XXXX I discovered a pending transaction in the amount of {$160.00} from my Direct Express Card which is managed by Comerica Bank I called to report the fraudulent transaction. 
Called and cancelled the card XX/XX/2023 and filed a dispute with Comericas dispute dept. I was told they would send physical questionnaire papers in the mail that needed to be sent back within 10 days. I called back a few days later and was told that I could submit an email instead of waiting on their paper questionaire, which I did with a photo of the explanation letter and screen shots with links to the perpetrators of the fraud. 
On XX/XX/2023 I received a letter saying it was resolved and the money was back on my card. However the card had been cancelled and I was issued a new card, so the money was never transferred to my new card account. They also closed the dispute saying no error occurred. 
On XX/XX/XXXX, I spoke with another dispute agent who said she would get it reopened and expedited and I should have the money on my new card within 3-5 daysit was not. Called back again and was told again it would be expedited and wait 3-5 days. I am still waiting. 
Comerica has only One number to contact them for anything, with hold times of up to and exceeding an hour. They do not offer call backs. This should be an easy fixthe merchant was not foreign, but is located in Utah. I have tried calling he dispute department back, but the call is dropped and I can not get through to them. Please help resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I started my first semester of graduate school this month and I have been attempting to have my In-School Deferment Request ( XXXX No. XXXX ) form processed by Nelnet. I first uploaded the form through Nelnet 's document upload portal on XXXX XXXX After no notification of any kind, I waited several days before calling customer service to confirm receipt. On XX/XX/XXXX, I spent 30 minutes on the phone speaking with someone who stated there was no record of the form I uploaded because their website " has been having issues. '' Keep in mind this form contains my SSN and other sensitive information. I was told to upload the form again, which I did again after our conversation. 
It is now 11 days later and I have still not received notification that my form was received or if it is being processed. I am assuming not, because the customer service agent I talked to on XX/XX/XXXX said it would only take a couple days. I tried calling customer service again today, but hung up because the average estimated wait time was 67 minutes and I am trying to study today between my work schedule. My next payment is due soon and I need the form processed ASAP. These delays and dysfunctional website from Nelnet are not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America has unjustifiably taken just under {$2000.00} from me since yesterday and when I contacted them this morning to return it they offered an absurd explanation blaming me for paying into my account at the beginning of XXXX. They offered to send a paper check in 14 days. When I said yes return my money but I would like it immediately they ended the conversation and provided a generic phone number to call. I was not rude or volatile. I made sure to express my displeasure but kept it very civil as it is not the employees fault but the institution theyre employed by. The employee failed to perform her job function and did not submit a refund claim for money they have yet to reasonably justify taking from me. I have a reasonable suspicion this is an act of retaliation for my claim against this card last month that went unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a deposit from XXXX  of XXXX on XX/XX/XXXX and after a few days they froze my account at chase saying they cant tell me why but they will hold my funds until they investigate every transaction. Which are all legit. I am XXXX and have kids and im a single mom they are withholding money i need to keep a roof over my kids heads! they said even if i went in person or talked to the ceo there was nothing i can do and it can be a long time before they give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I requested to a XXXX transaction be cancelled that was sent to someone. That person back deposited the money into her bank account but on XX/XX/ the money was removed out of her bank account because the transaction was disputed. I have proof of this. I have called my bank several times and have been lied to every time about my {$500.00} being refunded. The other bank ( XXXX ) sent the money back to TB Bank and Im being refused my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX begging you please remove this to the 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 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Previous CFPB Complaint : XXXX Lender placed insurance on two of my 3 mortgage accounts- XXXX & XXXX. Received their notices to submit proof of insurance and sent requested info to XXXX ( per their instructions in the letter ) every time I received a letter. Additionally, my insurance agent made multiple calls, spending 20-30 mins per call providing proof of coverage. 

He advised this past XXXX, XX/XX/XXXX - he finally spoke with an agent who advised him that the XXXX will be removed from my accounts. 

Next step is to get refund for XX/XX/XXXX escrow payments and confirm future drafts do not include escrow amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 1681.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXXXXXX stated this account isnt being reported on my consumer report however it is currently showing on my consumer 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

Company response to consumer: Closed with non-monetary relief