vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
I submitted a Qualified Written Request ( RESPA ) to LAKEVIEW LOAN SERVICING LLC on XX/XX/XXXX via registered mail. Their Loan servicer, XXXX XXXX acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per 12 CFR 1024 if they are not obligated to respond to my RESPA request, they are supposed to notify me within 5 business days from their decision not to respond. I have not received any correspondence from LAKEVIEW or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been 41 business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to XXXX today XX/XX/XXXX @ XXXX central time. The call lasted 25min 36sec with XXXX XXXX I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( 25 business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, LAKEVIEW nor XXXX. This is also out of line with the FDCPA. Legal action will be taken.

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am seeking your intervention and writing this complaint because I have not received a satisfactory resolution or explanation from CASHAPP. 

ISSUE : CASHAPP charges a {$.00} fee for each debit transaction I make from my bank account. My bank stated they are not charging the fee, but it is CASHAPP that is assessing this fee. I contacted CASHAPP to obtain an explanation. I spoke with a representative named, XXXX on XX/XX/2022. She stated that I would need to setup an account in order for her to assist me. I reported that my account is set up. She stated that to set up an account, I would have to request a cash card so she could verify my account. Why would I need a cash card when my CASHAPP account is tied to my bank account? I explained that I was having trouble understanding the nature of this request. Why would I have to set up an account and get a cash card in order to find out why I am being charged XXXX cents. I then asked to speak with a supervisor. XXXX stated that I would have to set up an account in order to speak to a supervisor. This is ridiculous, I am just trying to obtain an explanation as to why I am being charged XXXX cents when I send someone money. The CASHAPP site does not explain what would prompt a fee being charged. I have spoken to other people who have CASHAPP who send money and they do not have a cash card nor being charged XXXX cents. 

Your intervention in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
CFPB closed my original complaint ( # XXXX ) and GoodLeap lied as they never responded to me. Request you not close this complaint until they respond to one of us. 

GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the two XX/XX/2021 payments ). The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX For two months I had no insight into how payments were being applied or my loan balance. When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
SOFI advertised a {$500.00} bonus for loans funded by XX/XX/XXXX. I applied for and was approved and my loan was funded on XX/XX/XXXX. I called SOFI after a month and I was told I needed to submit a XXXX, and that was the only information missing to get the bonus. I submitted the form, and got no deposit of the XXXX. I called SOFI again in XXXX, a ticket was submitted, I followed-up on the ticket and I was told {$500.00} will be deposited on XX/XX/XXXX. I called on XXXX and I was told the ticket for my {$500.00} claim got denied due to this being a new loan account promotion. This is my 1st and only personal loan with SOFI, of which I should be eligible. I was told by 2 previous reps that I would have received the deposit. I received no email from SOFI regarding this denial. If this is a means to lure individuals into opening new account, I see it as a deception, and not a good practice. I need the {$500.00} deposited into my money account as specified by SOFI in their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 

I request that this information be blocked and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I purchased 2 plane tickets thru Chase XXXX that was later cancelled by XXXX. A few months later, I ended up cancelling the credit card. 
Over a year later, I received an email from the Chase advising me of an expiring travel credit. I called Chase inquiring about this but said it was actually already refunded. When I asked for proof of refund, they do not have any records of it anymore since the credit card was cancelled. I then sent a certified letter to the head office in Delaware in late XXXX requesting help. I have not heard back from them since. 
I again receive an email advising me of the expiring {$1500.00} credit within 21 days. I called Chase requesting proof of refund but have not had any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
i was trying to top up on my XXXX ago then again i done it XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
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.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
After filing a dispute with Experian about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without 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 explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I asked PHH Mortgage company several times for my year end interest statement so I can do my taxes. They told me they do not generate one. I was just transferred to them in XXXX from XXXX XXXX ( XXXX ) who also did not send me one. I can not do my taxes without knowing how much interest I paid to each of them. This is not legal! I have received those figures in the past. What is the big problem? Are they not reporting it to the IRS? They answer I get when I requested is '' we do not do that '' So what do they do? Charge exorbitant interest rates and leave the consumer hanging? Why could I get it in the past? I have had this mortgage since XXXX and never a problem until XXXX. Can you please help me get this info prior to XX/XX/XXXX when I am required to file?

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 
XXXX US BKPT CT XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 
I request that this information be blocked and removed immediately.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On or about XX/XX/XXXX, I received a notice dated XX/XX/XXXX about an account ( # ending in that I never requested nor applied for from TD Bank. The notice stated there was a beginning balance of {$0.00} and a {$5.00} payment transferred on XX/XX/XXXX to " XXXX and an account # -- ending in XXXX. The body of the letter stated that an overdraft fee of {$0.00} was assessed. The day prior to this, I had received credit cards ( 2 ) from this company which I already destroyed not knowing what was to come. The next day, I received a batch of checks. I tried calling this company the first day and got nowhere. They said they were transferring me to a fraud department but the calls went dead after a few minutes of being on hold. After that, I called numbers that I found online rather than from the papers they sent me. The bank itself appears to be legitimate but they have done nothing to help me. They have made no move stop this and " close '' the account. They have not verified the account. At one point, I called XXXX XXXX, the company who prints the checks that I know to be a legitmate company. I was promised that they would call this bank and inform them that I had declined the checks. This resulted in somone answering my next phone call but the bank representative merely stated that I should destroy everything and the account would be closed. 

On XX/XX/XXXX, TD Bank sent me another notice for a DIFFERENT account ( # ending in XXXX -- for which see above ). This one states that the account is overdrawn and that I owe {$35.00}. On XX/XX/XXXX, TD Bank sent yet another notice for this second account that I must deposit {$65.00} in order to clear the overdraft and avoid any additional fees. During my most recent call to them ( today ), I was told only to call XXXX and XXXX. Again TD Bank is not taking ownership of nor helping to resolve an issue that is theirs, but is happy to refer me to the companies who may be receiving bad reports from them about me. This is beyond lunacy. 

Several things to note : 1 ) I have never heard of TD Bank before this. 
2 ) TD Bank will NOT have a signature card on file for me as I never applied for any account through them EVER. 
3 ) The checks list a phone number that I have not had for over 10 years. 
4 ) One of my acquaintances has begun to receive the same type of documents from TD Bank! 

I am NOT uploading files at this time but would be happy to do so if they are needed by an agent of the Consumer Finance Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
This criminal activity has gone on for too long. The credit reporting agencies have ASSUMED a role in credit reporting but it was not given to them by me. My permission is needed. 

Stating that credit reporting agencies must report accurate information is not sufficient here because permission, by the consumer, must be given in order to report information about a consumer. 

I never gave this credit reporting agency or any third party written permission to furnish a report about my personal transactions and experiences. 

This credit reporting agency does not have a signed agreement between my self and their company stating that I gave permission for my information to be shared. 

If a company uses my identity without my permission that is considered IDENTITY THEFT. 

This credit reporting agency has committed identity theft by reporting my personal transactions and experiences without my permission. 

I have filed a police report and identity theft report with the FTC. 

Delete the following accounts from my consumer report since I never gave permission for them to be reported in the first place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYSTEMS.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have removed XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX/ XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX Inquiries : XXXX XXXX CO 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