vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I don't have any form of contract or agreement to CCS COLLECTIONS XXXX. I have been sending written letters to CCS COLLECTIONS about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX COLLECTIONS but until now, I got nothing. This is a serious matter for me then they should take this complaint seriously.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been paying a late fee to navient for almost 3 years. I recently emailed them about it because I didn't understand why I was getting a late fee when I wasn't late. I was told in XX/XX/2019 I was late and in XXXX of 2019 I was granted forbearance. They just never removed the late fee. The late fee is XXXX a Month and when I do the quick pay option it takes out the money for the late fee. Otherwise I have to allocate my payment per loan with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed when I had logged into my mortgage account that the monthly mortgage amount was much higher ( {$1500.00} ) than what I had paid in the past ( {$1100.00} ).. 
When I called Customer Service, I was transferred 4 or 5 times just to get clarification on whether the mortgage amount includes property tax and insurance. I was told that it was just the insurance amount from XX/XX/XXXX. 
What is bizarre is that I had property insurance from XX/XX/XXXX till XX/XX/XXXX and then Wells Fargo decided to pay the property insurance even though I have never had an escrow account and renewed it on their own.. 
The monthly payment jumped from {$1100.00} to {$1500.00} even though the property policy I had in XXXX was $ XXXX. The math does not add up and I feel that Wells Fargo is gouging the insurance premium amount and has added it onto my mortgage amount when in reality, I have always paid for property insurance and taxes separately.. 
I think there are lot of discrepancies and fraud to get me to pay a higher amount for my mortgage over the insurance premium.. 
I have escalated this issue about the mortgage escrow account and still, nothing has been done to resolve 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 explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was told by XXXX that all my accounts including my credit card accounts would be transferred to Citizens Bank by XXXX XXXX. 

I have already made a complaint against Citizens about another issue. It seems that Citizens takes liberties they are not entitled to so they can charge extra interest, among other things. In this new example, it seems that Citizens Bank changes the date that a payment is due. I did not get any alerts about this nor did I receive any statement. 
For the month of XXXX I was under the impression that a payment was due on XX/XX/XXXX. The previous month I made my payment on XX/XX/XXXX, and had no penalties imposed on me. 
For the month of XXXX I made my payment on XX/XX/XXXX since the XXXX was on a Sunday. I did speak to a Citizens customer service agent on XX/XX/XXXX who told me I may be charged a late fee but once the account is updated I should call Citizens and they would reverse the late fee. 
Today I was reading my new statement dated XX/XX/XXXX and I did not notice a late fee but instead I noticed that I was charged more interest for the month, then for the previous month, over {$25.00}. I called Citizens and was told they could do nothing about it. 
In other words while there was no late fee on my statement, Citizens charged me more interest. The customer service agent claimed that my payment was not processed until XX/XX/XXXX and therefore I was charged interest. When I asked why I wasnt charged a late fee he had no answer. 
I am attaching two statements from Citizens, one for XXXX, XXXX ; the other for XXXX, XXXX and there are no late payments indicated but notice my interest payment has increased. 
Please tell Citizens to reverse this extra interest charge. On XX/XX/XXXX, my interest charge was {$170.00}, but for XXXX, it was XXXX. 
This is no way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
I used binance.us for a while and now have XXXX dollars stuck because I do not want to consent to binance ( a XXXX company ) to sell/share my biometric face data with third parties. 

I was not informed ahead of time and there is no option to decline and close my account as well as withdraw my funds ( which is currently in cash held on their platform not any digital assets ). This is an overreach for any centralized exchange. They already have more information than my bank and now they want the geometrical scan of my face. What???? Please help as I have contacted them and to no avail to be fair its only been a day though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ

Complaint narrative:
I am XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX firm XXXX XXXX  XXXX XXXX XXXX, NJ XXXX that they want me to pay to RAB PERFORMANCE XXXX {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

XXXX XXXX XXXX XXXX XXXX File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said Debt Collector XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! The first complaint was about processing ALL MONTHS o loan payments. The company DID process some months, but they literally left off the months that would have qualified me for full loan forgiveness. THIS IS NOT A DUPLICATE COMPLAINT! 

My name is XXXX XXXX. My Federal Loan Servicing account number is XXXX. I received notice that my account had finally been adjusted after 6 months of waiting. While there were certain pay dates added to my eligibility, the period from XXXX, XXXX through XXXX of XXXX was not added. This is the EXACT period that needs to be processed, and with which I would receive my full loan forgiveness. I have already certified employment ( and even have some month p [ roperly counted ) with the XXXX XXXX XXXX XXXX XXXX. This employment, which also covers the period of XXXX, XXXX thru XX/XX/XXXX, would provide me with loan forgiveness once you update those months as being qualifying. Why was every month from XXXX, XXXX through XXXX of XXXX added, but nothing starting when my XXXX employment actually took place? When will this update be completed? I have waited 6 months and then you make a pointless update that added only 1 month, instead of adding around 20 months. Please correct this and process my loan forgiveness. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo failed to pay for my mortgage insurance on time. When my mortgage insurance ended, they put their own insurance which was almost 3 times the amount I was paying with my insurance of choice. This made my mortgage go up to almost {$300.00} dollars more a month. When I called Wells Fargo, they insisted they could not reach my insurance company to request an invoice, and provided me with the numbers they had on file. I called the numbers and the numbers just rang. I looked up the number for XXXX and called, the call was picked up quickly. The Representative reported that nothing has changed on my account and does not know why Wells Fargo would have a problem reaching them if we had this account for 6 years and never before had a issue. I had to call an agent and reinstate my home insurance. I called wells Fargo to see if my account would be credited or prorated, they told me no. I explained to them that this is their fault and I shouldn't have to pay for them not doing their job. She said they called me and my husband about the insurance, which is a lie, because we never received a call from Wells Fargo. She also said letters were mailed to us, which is also a lie, because I had my daughter check and no letters were received. I am currently in XXXX  so all my mail is at my house in XXXX nothing has been thrown out. I do that when I get back home. I had to pay an additional {$100.00} service fee that won't be credited to my account nor will I get reimbursed for. My XXXX payment is still {$300.00} more than what I should pay and will next month because my escrow is the negative. This is wrong. I shouldn't have to pay for Wells Fargo employee not doing their job.

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 2022-04-14 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: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
Per the attached letter from the Texas Higher Education Coordinating Board, I took out a total of {$18000.00} in loans and repaid {$41000.00}. The CFPB should do what it can to fine or shut this program down. This type of lending is NOT setting people who need help to complete college up for success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report shown active as of XXXX when the actual closed account was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid 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: TX

Complaint narrative:
On XX/XX/XXXX, my wife enrolled in a membership program with XXXX XXXX XXXX XXXX in XXXX, TX ( see enrollment agreement. ) She enrolled using her credit card as an authorized payment option. On XX/XX/XXXX, a one-time charge of {$26.00} for treatment of an injury was used to pay for services with XXXX XXXX XXXX XXXX XXXX 

Starting in the month of XX/XX/XXXX, XXXX XXXX XXXX XXXX arbitrarily started changing my account for their membership fee. My credit card was not presented as an authorized payment option for this enrollment, only for a one-time charge. XXXX XXXX XXXX XXXX XXXX TX has charged my credit card without my permission over nine times ( XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00} ) for a total of {$530.00}. 

I requested Capital One to dispute the charges and refund me those unauthorized payments. The payment where temporarily refunded only to be charged back when XXXX XXXX XXXX XXXX forwards an enrollment agreement. 

The enrollment agreement does not list my credit card as an authorized payment option ( See agreement payment Information for credit card ending in XXXX. ) It was electronically signed without any of my personal information or authorization. 

XXXX XXXX XXXX XXXX in XXXX, TX, provides an XXXX number to cancel, which no one answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have tried to dispute the Bank of America credit card information showing on my credit report with all three of the credit bureaus back in XX/XX/XXXX and again on XX/XX/XXXX & XXXX XXXX. I contacted Bank of America on XX/XX/XXXX and was told by 5 different representatives that they do not have a closed credit card account for me and that they only show closed checking and savings account with them in their system. I asked if they could send information to the bureaus correcting this but was told they would have to have an account to access in order to update this misinformation with the bureaus. I disputed the account again and have already received results from XXXX stating that the account came back as verified and will remain. I do not understand how they are validating an account that Bank of America can not pull up when I called them directly. I provided the full account number that one of the XXXX representatives provided to me and Bank of America could not pull it up in their system. Please assist! Thanks in advance!

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 2022-04-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation