vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: MOHELA
State: NJ

Complaint narrative:
My loan was put into administrative forebearance for 2 months without any notice or agreement from me by Mohela. I am now being charged interest but I can not make payments on the loan. Am I ready and able to make payments but I am being prevented from doing so by Mohela and I am being penalized with interest accruals that are not due to my inability to pay. If Mohela can not process my payments, then I should not be accruing interest on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: IL

Complaint narrative:
XXXX i requested my Core Logic credit report and they denied me on XXXX by mail. I will attach the information to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/2023. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with XXXX, still waiting on dispute with XXXX, Nelnet not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
XXXX payment of {$2600.00} was applied to suspense per cooper records. Not to the month of XXXX for that months contractual payment. There is no allocation of principle interest, or escrow ( PI & E ) the amount shows up in unapplied payments. See line 138 This would have been the first months payment after filing XXXX  XXXX. So at this time there was no unaccounted for shortage. 
Then other payments are recorded more go to suspense some make it to PI & E.

5-1 2041.64, 6-14 2041.64, 6-21 2200, 6-22 2037.32, 7-18 2047.74 *557.48 6-21 *** there are other entries many I cant understand why its several pages for just a few months. 
Then XXXX the court ordered {$1500.00} agreed arrears for missed payments. 
Why was {$2600.00} put into suspense only to demand catch up of {$1500.00} there appears to be plenty of payments. 
Why did you apply XXXX payments to XXXX? It seems clear cooper applied my current payments to amounts prepetition months causing the account to look behind constantly when it was not. 
Bounce to line XXXX XX/XX/2022 applied to XXXX XXXX never takes filed months amounts out of a single running balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cc : FTC ID Theft Report XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I sent notice to JPMCB to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed JPMCB that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with JPMCB. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account number ending XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I went to the Department of Motor Vehicles in XXXX XXXX to apply for a new driver 's license, which to this date, I never received. On XX/XX/XXXXXXXX  after checking my bank account balance, I became aware that an unauthorized individual had withdrawn {$1300.00} from my account. On XX/XX/XXXX, I went to my branch to report the incident which they improperly dismissed. Again on XX/XX/XXXX, I returned to inquire why my claim was rejected. This time, I was given the proper paperwork and refiled the claim. Again, the claim was rejected. Their reason for rejecting the claim was that the signature and location matched. I am guessing the reason is that my driver 's license was stolen. 

Since then, I reapplied and received a new driver 's license. Additionally, the individual who withdrew the {$1300.00} from my account had recently attempted to open another account at a different bank and applied for a credit card at a department store. I believe that the bank could clear this matter up by checking the tapes and they'll find that an unauthorized individual had withdrawn the {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX  cc : FTC ID Theft Report 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 2023-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a mortgage with XXXX XXXX and they have been denying my modification request and assistance for over 2 years. 

They keep telling me that I need to clear the irs liens on my county report but the liens are not going anywhere until I pay them and if I could pay them then I would not need a modification. 

I contacted the irs to do a subordination agreement on XXXX XXXX behalf and they never sent the irs information to complete the subordination on the liens. It's like XXXX XXXX wants me to loose my home! The irs liens are from a bad business that went bankrupt and now I have the irs lies from Im 2019 with The taxes from the business. 

I'm teuk f to keep my home and they want to foreclose on me and only offer me a short sale! 

I need a modification. Or payment plan and they will help me! 

It's just modification which means modifying my current mortgage not a refinance and I do not know why the liens ars playing a big factor on me keeping my home. 


Please have them understand the the IRS and state of Virginia liens are not going anywhere and I need to keep my home! 

Im also going to file a discrimination complaint again Truist because I'm beginning to believe they are practicing discrimination against me and my co borrower because we are XXXX! 

My co borrower is a XXXX veteran!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a promotional 6 month APR XXXX XXXX for A few purchases. This month in XXXX that promotional period ended for 3 of the purchases for XXXX  % at least thats what it shows on my statement! It looks as if they added the interest of the full purchase amount from six months ago. But it still wouldnt equal the amount that they are charging. The one intital charge of {$300.00} on XX/XX/XXXX  now has a balance of {$86.00} but they charged me {$30.00} in interest? If I only owe {$86.00} how are they charging interest at the full {$300.00} initial amount times the 6 months. If I knew this acted as a payday loan I wouldve never used this card. Nowhere in the disclosure does it tell me the initial amount is what is charged at the end of the promotion for the APR at XXXX  % Regardless of what youve paid it down to. Times the six months promotional interest missed. Theyre still charging monthly interest as if you still owe the full amount from 6 months ago. How are they calling this a promotional period when they just tack on all of the interest that you missed in the promotional period time when it ends? This is a scam. How can a company that operates this shady way be trusted consumers can not rely on these sorts of practices. They set you up that your account could never be paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
I funded a secured credit card in the amount of {$5000.00}, with an initial deposit to Elan Financial. The card was closed by Elan Finacial and my deposit was never refunded to me. At the time the account was closed, it had a balance of approximately {$410.00}. The remaining available credit {$4500.00}, which should have been refunded to myself has not been sent. After multiple correspondence to Elan Financial, they have refused to send my initial deposit back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with Experian, still waiting on dispute with Experian, XXXX not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company LVNV, Resurgent still continues to report on my credit by continuing to violate my consumer report. I have now filed a police report and ftc report and attorney general report. Your companies continue to pass my consumer report amongst each other extorting my credit causing harm against me without proof of any kind. Be advised pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g you failed to provide validation. Now I am sending you a cease and desist next will be legal actions. You have been reporting invalidated information to my credit bureaus ( XXXX, XXXX, or XXXX ) this action now constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on my credit reports upon receipt of receiving this notice. Any company you represent, any attorney that represents you or the companies that are attach to you or that represents you. I will not hesitate in bringing legal action against you or any parties. Let me remind you, you have been also in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Cease and Desist of reporting anything on my consumer report. Also from selling my signature or any information of mines to any other companies, Any fake Attorneys or any other companies that are tied to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: DISCOVER BANK
State: PA

Complaint narrative:
I sent notice to DISCOVER to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed DISCOVER that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with DISCOVER. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account ending XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank retaliated against me because I recently filed two complaints against it with the CFPB. My credit limit has been {$1000.00} for a long time. Currently, as of XXXX XXXXXXXX. today, my account online shows a balance of {$91.00}. Thus, I should have Available Credit of {$900.00}. There are NO pending transactions. Yet, Capital One, without reason, reduced my Available Credit to {$99.00}, as of XXXX XXXX today. Thus, Capital One intentionally, arbitrarily and maliciously reduced my Available Credit by {$800.00}. With no new purchases and no pending purchases, there is no reason - other than RETALIATION- for Capital One to have reduced my Available Credit. When I called Capital One, their representative said that it was correct without willing or able to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: GA

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. 

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 an 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 2023-09-30 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: GA

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. 

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 an 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Here is a draft formal complaint to the CFPB requesting FTC involvement against Capital One : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by Capital One and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my Capital One credit card account. Despite having notice of this activity, Capital One continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against Capital One outlining violations of XXXX XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX, XXXX. See attached Supreme Court XXXX Connecticut XXXX XXXX. XXXX. Capital One was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

Capital One is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into Capital One regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. Capital One must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. Capital One must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED Without recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I encountered an unexpected expense that became a priority in my budget. Consequently, I reached out to LendingPoint to establish a payment plan. After paying the necessary fees, I secured a reduced payment plan, reducing my monthly obligation to {$34.00} over a few months. 

However, starting in XXXX, I noticed XXXX bi-weekly interest-only payments of {$500.00} each, totaling {$1500.00}, were withdrawn from my bank account. This significantly exceeded my usual monthly payment and has severely strained my financial situation.

Company response to consumer: Closed with monetary relief