vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I am enrolled in XXXX XXXX XXXX XXXX with Mohela. As such, I believe I am required to recertify for income drive repayment year, though this has been affected by COVID. Anticipating the need to recertify ahead of payments and seeing notifications on the Mohela website, I submitted a recertification in XXXX of XXXX. I received a denial XX/XX/XXXX stating it was unclear if my request was intended to recalculate the monthly payment. I was confused by this statement and called Mohela. They stated they did not understand the denial and that I should resubmit. I resubmitted again and was denied again XX/XX/XXXX. I called Mohela and different representative stated they did not understand the denial but when I asked if I needed to recertify that affirmed, YES, that I did. That representative completed the recertification over the phone and the decertification was process. I now have a payment that is SIX TIMES what was expected prior to recertification. At no point did the customer services representatives or the website or even the denial letters simple explain that recertification was not due until XXXX  months after payment restarts. That language did not come up until I received my recertification letter with my new payment amount. I believe I was intentionally misled in order to make higher payments. 

I called Mohela today XX/XX/XXXX in order to remove the recertification as I have seen evidence that the situation can rectified this way and declined to remove the most recent recertification. I also asked to be recertified given my plan to file separately in XXXX and the told me I was unable to include future information in my current recertification. Additionally, they told me recertications processed over the phone can be inaccurate, but still declined to remove the recertification even though the only attempt approved occurred over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
These companies has added fees, purchases, and other false charges and attached it to my credit report. Nobody will give me any bank statements or proof of the amounts. These companies are horrible. I do not recommend anyone using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I went in for a XXXX  operation, and on the day of the operation I was told by the receptionist who signed me up for Care Credit through XXXX XXXX  that the credit would be 0 % interest. There was no indication of a temporary period of time that interest applied, or that there would be an increase. I was misinformed of the terms of the loan and now have been charged a {$1900.00} lump sum interest amount that more than doubles the amount I owe. 

I messaged with customer support on XX/XX/XXXX  to ask if I could pay the remainder of the principal balance owed prior to the interest charge ( {$1400.00} ) and waive the lump sum interest because I was unaware of any interest on the loan ( {$1900.00} ), and they told me that wasn't possible. I think if you allow a nurse or receptionist who is not representing the true terms of the loan in a upfront and honest way to obligate consumers for credit use with Care Credit, they should be informing people of the period of time the 0 % interest offer is good for. She told me in person that there was no interest and it was an awesome option to cover the cost of my XXXX. I would've paid off my entire loan prior to the end of the promotion had I known it was a temporary offer. Now I have a loan I won't be able to pay off for years because of a lack of understanding of the loan terms, and I feel as a consumer I was harmed and misled in the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a loan with a car dealership. They suggested that I go to Navy Federal Credit Union so that I don't have to put any money down. Everything checks out for an approval. When I went to the credit union today, XX/XX/2023, the credit union said that they would have an answer in 24 hours. One hour later I was denied. It was not because of anything I have on my credit report, or my income, it was completely because of prejudice reasons. I am a XXXX woman asking for a {$86000.00}. I was discriminated against and treated unfairly solely because of who I am. The dealership believed that I should have gotten the loan because everything checked out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I asked the company on XX/XX/XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. 
Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.

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 2023-09-05 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: VA

Complaint narrative:
I asked the company on XX/XX/XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. 
Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: VA

Complaint narrative:
I asked the company on XX/XX/XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations. 
Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( XXXX XXXX XXXX, XXXX XXXX XXXX ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX  Account Name : XXXX  Date of inquiry : XX/XX/

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 2023-09-05 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Please see the attached letter sent to collection company. Company is in violation of my consumer rights and the laws according to 15 U.S. Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up using a special code and online, by invitation only, and get 5.30 % interest rate on my XXXX XXXX account I opened. I followed all the instructions on funding it, timely, etc. Got my first payment. It is less than 5 % interest. It is supposed to be 5.3 % interest monthly interest payments, not under 5 %. I can not get a hold of anyone at all. I set up a phone appointment, they never called. I called them now, and upon holding, I opted for them to call me back and they have not called back within the time frame they said they would. I can not resolve this. I would like to file a complaint. I tried to message them online, but they say I must call the bank. Then you can not get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NV

Complaint narrative:
I did not authorize these companies to run my credit.

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 2023-09-05 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: FL

Complaint narrative:
They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using XXXX, equifax and XXXX information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Release of part ( final proceeds ) of insurance proceeds for casualty loss ( hail damage ) in the amount of {$32000.00} was delayed allowing lender ( Chase ) to obtain benefit of holding funds for extended period while making it necessary for complainant to delay payment to contractor. 

Timeline : XX/XX/XXXX Fully endorsed final insurance proceeds check received by Chase XX/XX/XXXX Chase website shows all required documents received. 
XX/XX/XXXX Inspection completed, XX/XX/XXXX Website shows inspection passed. All requirements completed. 
XX/XX/XXXX Check for claim funds issued a full week after all requirements satisfied. 
XX/XX/XXXX Website shows " claim funds sent '' - on a Friday. 
XX/XX/XXXX Postage meter date on envelope actually sending check regular mail. 
? Envelope actually placed in mail, If ordinary transit time, NOT XX/XX/XXXX XX/XX/XXXX Check received on Saturday when it can not be deposited. 
XX/XX/XXXX Check deposited, placed on three day hold. 
XX/XX/XXXX Funds to actually be released - 30 days after check received by Chase. 

References to website are to XXXX XXXX XXXXXXXX We are of the opinion that this timeline shows unreasonable delay enabling the lender to benefit from several days of retention of the funds to our detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a cashiers check at Chase bank and I tried to make a domestic wire to a crypto exchange to make interest on the money prior to me using it for home improvements. The money in my account was from a loan I was approved for and now they have suspended the account and are holding the mon

ey for 20 business days. I have to make a loan payment on this money in less than 30 days. And I am not sure if my money will be released from Chase bank in time to make payment. Chase bank should have to pay my loan interest if their holding my funds up until the time the loan is due. How is this considered banking and are they making money by holding my funds for 20
business days. Please release my funds their not your funds Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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