vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: ME

Complaint narrative:
I believe Penfed is specifically targeting me because of a previous unrelated complaint filed before the CFPB and XXXX regarding their misconduct in the past. Even if they're not, they are failing to abide by their own policies and failing to treat all members equally as required by XXXX law. 

When I went to open a checking account I provided both my Social Security XXXX and a REAL ID certified State issued ID which is both photographic and provides my address. 

Strangely, Penfed requested a third document, which I complied with. First they wanted " a picture of my phone bill '', which I sent, and which did not satisfy them because it was not in PDF format. I then sent an excerpt from the bill in PDF format, which they rejected because it did not show my address. I explained that they already have my address verified via my license which is how I am able to have a savings account with them and that Straight Talk does not show addresses on their statements. 

Penfed replied that I would need to send a utility bill in XXXX and PDF format which showed my address, so I looked on their website for the acceptable document categories and obliged by sending a PDF XXXX copy of my internet bill which shows my address. 

Penfed responded that an internet bill isn't acceptable for address verification, which is highly irregular because their website clearly conveys that an internet bill is specifically XXXX of the accepted documents for address verification. This is something I explained to the representative, to which they became confused and essentially went " nuh-uh. '' I shall include a screenshot of the website clearly stating that an internet bill is an acceptable document for these purposes. Again this is a member owned institution that has my ID, my social security card, my phone bill and my internet bill, but it is constantly erecting XXXX XXXX blocks and playing stupid instead of behaving professionally and appropriately.

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 2024-12-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/XXXX ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : 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 XXXXXX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, XXXX follows : XXXX U.S.C. XXXX ( Section XXXX ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( Section XXXX ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
XXXX XXXX. XXXX ( Section XXXX ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX Banking and XXXX XXXX XXXX XXXX '' XXXX and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates XXXX XXXX. XXXX ( XXXX ). I also requested deletion under identity theft protections ( XXXX XXXX. XXXX ), as these inquiries pose a potential fraud risk. ''

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 2024-12-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I received a bill from Saks Fifth Ave for charges that were made back in XXXX. I immediately called customer service to report the account as fraudulent. The account is frozen and under current investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
we closed on our house on XX/XX/year>. we made one payment to XXXX XXXX. Lakeview bought it out and took over loan number XXXX. I thought I paid for an entire year of home insurance when we closed but a year later on XXXX XXXX, XXXX lakeview sends a letter that it was cancelled and we had gone a year without insurance and had to pay a fee or purchase back dated insurance ( which no one does for homeowners ) apparently only banks can do that. We were back charged for home insurance plus purchase a new one. So {$2200.00} was taken out of our escrow. I feel like my payments and escrow are being managed incorrectly.

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 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J. Scott Watson
State: PA

Complaint narrative:
This is related to my complaint against XXXX XXXX anf the XXXX XXXX XXXX XXXX court and the prothonotary office. When XXXX 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed the lawsuit they were aware that i was in an active XXXX XXXX XXXX. However, the statue of limitation was approaching so they processed the lawsuit anyway. This was illegal as I had been in the XXXX since XX/XX/XXXX- XX/XX/XXXX. Now I received a letter dates XX/XX/XXXX on XX/XX/XXXX stating i only have 10 days to reply or a judgement will be entered against be. I did not have time to get an attorney nor do i have the funds coming out of XXXX. Also, i did not have an opportunity to answer. It is almost 5 years since this account was in default and the statue of limitation.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I purchased an airline ticket and was refused service. I then asked for my money back and was also refused a refund from the airline. So I filed a dispute with Capital One, my credit card company and the one I used to make the purchase. They initially credited my account back while they did an investigation. A week or so later they denied it and reversed the charge apparently because I put this dispute as a " cancellation ''. Meaning they thought I tried to cancel the ticket. I explained to them over the phone that I was denied service. They asked me to send in documentation of my tickets and a summary of the events which I did. A week later I get a letter from stating they didn't receive sufficient information from me. The rep that I spoke to again references that I put this as a cancellation and they have proof that this was a valid purchase and cancellations were not allowed. I again explain to them multiple times that this was not a cancellation and instead a refusal of service. And I explained all of this in a XXXX page document that I sent to them. They act like they don't know what I'm talking about and that there is nothing they can do. And tell me to contact the airline company. 

This incident cost me over {$5000.00} in missed lodging and tours. The last thing I want to do is pay for an airline ticket that I was refused service for. I ended up having to buy a brand new ticket from a different airline. Out of all people, I would expect my credit card company which I've used for years would have my back. But their outsourced customer service is really bad. I've submitted documents of proof and everything they've asked for. I've called in and spoke to multiple reps, none of them seem to have any understanding of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re XXXX Credit Report Dispute Account Number : XXXX To Whom It XXXX Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, this letter serves as a formal dispute of inaccurate information contained within my credit report. 
I. DISPUTED ITEM ( XXXX ) Account Name : LVNV FUNDING LLC Account Number : XXXX Nature of Dispute : False information in accurate reporting XXXXXXXX XXXX XXXX Under Section 611 of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into this matter within 30 calendar days of receipt of this dispute. As per 15 U.S.C. 1679c, you must verify the accuracy of the disputed information or remove it from my credit file. 
XXXX. XXXX XXXX XXXX. Investigate the accuracy of the disputed item ( XXXX ) XXXX. Remove or correct any information that can not be verified XXXX. Send written notice of the results of your investigation XXXX. Provide an updated copy of my credit report if changes are made XXXX. SUPPORTING DOCUMENTATION Enclosed please find the following documents supporting my dispute : V. REQUEST FOR NOTIFICATION As required by FCRA guidelines, please send notification of your investigation results to my address listed above. Additionally, if your investigation results in any changes to my credit report, please send a free updated copy of my credit report reflecting these changes. 
VI. RESERVATION OF RIGHTS I reserve all rights under the FCRA and other applicable state and federal laws. This dispute is not a waiver of any rights I XXXX have under these laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
The complaint is about my money XXXX XXXX XXXX XXXX XXXX on the service ROBINHOOD I receive an alert on my app and via email on XX/XX/year> " Action required : Your account is temporarily restricted '' requesting to send : Front and back photos of your government-issued ID, Live selfie photos from XXXX angles ( left, center, and right ). 
PDF bank statement ( XXXX ) The app only allowed me to send selfy photos, but there was no other option to send either the Diver License ( ID ) or any bank XXXX. I try to call but they have a system that doesn't allow a direct call, they call you back. I tried several methods, but finally, I received a call on XXXX. However, I was outside the country, so I missed it. 
I asked for another call today ( XX/XX/XXXX ), and they started asking me verification questions that included where I want to transfer my money ( they should not care ), where I learned about XXXXXXXX XXXX XXXX XXXX  a very unpolite person just hanging on me. 
This is the second time I have lost the possibility of investing my money ( in this case, about $ XXXX ) in other ways. I wanted, in this case, to transfer my money to buy XXXX, and not being allowed to do so cost me thousands of dollars. I just don't trust this company, so I didn't want to make any other transactions with them. A few years back, the issue was similar when the XXXX XXXX had a big up spike, and the app didn't allow us to sell. This company is literally doing what it wants with its customers. It is our money not theirs, and what we do with it shouldn't be their problem As of today, XX/XX/year>, I receive another email : XXXX XXXX, XXXX day! This is XXXX with Robinhood Support. I hope everyone around you is doing well.

We have placed a temporary restriction on your account for the security and protection of Robinhood and our customers. We need some more information from you before we can lift your accounts restriction.

There should be an Action Required card displayed in your app. Please tap its prompt to upload the following documentation : The front and back of your driver 's license OR your passport o Please keep glare on the ID itself to a minimum, so everything is legible.

o All four corners of your ID must be visible o Both horizontal and vertical photos are accepted so long as all requirements are met.

Well reach out to you if any additional information is required. Please check out our Help Center for more information on the types of documents we can accept. 

As usual, the option doesn't work, it is unbelievable. As soon as this restriction is lifted, I will take my money out of their app as fast as I can and never use the app again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I need my XXXX to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on XXXX and XXXX both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please at screenshots of the issue I am facing with XXXX XXXX XXXX enrollment etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2024-12-17 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: Lendmark Financial Services
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I called Nelnet to see the status of loan forgiveness. I qualify under low income, public service and borrow defense policy which I all applied for XXXX years ago. Nelnet informed for me to call XXXX about the status of my loan forgiveness. I sent a complaint through CFPB twice and both times XXXX informed there is no record of me having a student loan. When I call them, my social security number doesn't come up at all. I am trying to get my loans forgiven since I am qualified and have held no help in giving the status of my loan forgiveness application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank has tried to obtain a DEBT collection attempt on XX/XX/XXXX, XXXX the amount was in the excess of {$62000.00}. However, I asked XXXX XXXX in a Correspondence ( attached ) dated the same day to sign a Creditor Disclosure Statement ( never received ). Prior to this complaint, I sent it on multiple occasions. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these items were not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
Fraudulent Accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these items were not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
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 XXXXXX/XX/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