vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On the following dates : XXXX XXXX XXXX XXXX XXXX accessed my TransUnion consumers credit report without my knowledge nor consent. I reached out to XXXXXXXX XXXX to inquire who and why my consumers credit report was accessed. They told me that I made an insurance quote request. They told me that I gave them authorization to access my report. 

I informed XXXX that I did not, nor would I ever give permission for them to access my consumers credit report. I also asked how they got my social security number and other personal indicators to access my consumer credit report. They the management representative I spoke with was not able to answer my question. 

I requested they produce competent evidence written or verbal recording that I provide them my personal information and permission to access my consumer credit report. More than a reasonable period has passed since my request with no response from XXXX. My attempts to follow up with the management representative have been unsuccessful. My voice mails have gone un-returned.

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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I was denied the best insurance rate by XXXX which relied on a report from LexisNexis. I contacted LexisNexis and requested a copy of my consumer report and referenced the inquiry from XXXX as the reason for my inquiry. After some time, LexisNexis wrote me informing me they could not authenticate my identity which is strange given they did so to XXXX. Thereafter, I completed another request for my file online. This time LexisNexis sent me an email asking to click on a link in order to verify my email address ... .however the link they sent does not work and returns a message that an error occured ... .once again quite strange. 
Clearly, LexisNexis is making it difficult, if not impossible, for me to access my file by claiming they can not authenticate me and then sending a broken link. It is very unfortunate and illegal for them to behave in this manner. 
Simply, send me a copy of my file as per the law and stop placing undue burdens in the path of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Started with XXXX XXXX, reported it directly to the Police on XX/XX/XXXX Created an XXXX account. 

None of these following accounts are mine : XXXX XXXX Account and reported it to them on XX/XX/XXXX, I still continue to receive alerts for this account. the name on the account is not mine. Shows a monthly payment of {$910.00} and a balance of XXXX, Capital One showing date open XXXX XXXX credit limit {$3000.00} shows late payments. 
XXXX XXXX showing date open of XX/XX/XXXX Credit limit {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has claimed to have obtained insurance on my property, policy coverage from XX/XX/XXXX to XX/XX/XXXX. I have NEVER received proof of this insurance policy, of which RightPath Servicing is claiming I am responsible for paying. 
RightPath Servicing had claimed, in their first letter regarding my insurance coverage on the property, that I did NOT HAVE insurance, or they had not received proof of insurance. There was no initial mention of the type of insurance coverage they were insinuating my property did not have. The previous servicer had in their possession, proof of insurance that they should have ( probably did provide ) provided to RightPath Servicing. After months of back and forth over this issue and me sending proof of my current policy, RightPath claimed wall in insurance, which is a slang term, was not listed in my master policy. I asked them to explain walls in insurance as I had never heard of that type of insurance. At NO TIME, until just recently, did RightPath Servicing state XXXX  insurance is what they were requiring. RightPath Servicing engaged in deceptive practice of clouding the issue in order to prevent me from obtaining this fairly inexpensive XXXX insurance. RightPath Servicing is charging an OUTRAGEOUS amount of money for a policy they claim has been purchased but has never provided any proof of its existence. 
In a response letter to my complaint, dated XX/XX/XXXX, RightPath Servicing uses the term XXXX as the insurance coverage they claim to have obtained on my behalf. RightPath Servicing claims to have purchased this insurance as of XX/XX/XXXX and is expecting me to pay for said insurance from that date. Correspondence through the CFPB will clearly show deceptive behavior by RightPath Servicing if their claim is true, that they have purchased insurance on my behalf as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was late on paying my statement balance for XXXX XXXX by 3 days. Payment of {$1800.00} was due on XX/XX/XXXX but I made payment on XX/XX/XXXX. I also made full statement balance payment of XXXX for XXXX Statement before XX/XX/XXXX due date. 

Today I got charged {$25.00} as interest charge even though I am paying full statement balance every month, when I reached out to Chase credit card customer service I was told that this charge is residual interest for the the time I was late on my payment ( explained above ). I verified with the chat person that this charge is not for the three days I was late by but the " balance '' gets carried forward to next month and that even though I made full statement balance I was charged interest on it. 

I believe this practice is not right. I should be charged " residual interest '' for the 3 days I was late by but not the entire month. Please take a look at this. I can provide statements if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
Paid for services/goods by XXXX XXXX and did not recieve all contracted services/goods and they filed for bankruptcy. 

I am filing this complaint against goodleap ( finance company ) as they provided hundreds of loans to XXXX XXXX  that were deemed fraudulent by deceptive sales practices and failing to provide services and goods ( source : XXXX XXXX XXXX  XXXX XXXX I completed purchase in XXXX of 2022. I contacted goodleap and they did not provide any remedies and just stated I need to pay my bill as they have nothing to do with who they financed ( 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 explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Due to unforeseen circumstances, I was forced to pay my XX/XX/XXXX Care Credit bill late. I am currently under a 12 month no interest promotion with my Care Credit account. It was for a XXXX XXXX  that I had in XXXX of XXXX. My promotion ends in XXXX of XXXX. Care Credit charge me an interest fee on top of the late charge for a payment that was posted late. This charge is not only excessive but reveals an under tone of predatory lending. In fact this transaction is the very definition of predatory lending. ( Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ). 

When called to have the interest fee reversed I was told that the interest fee will stand as it listed in my terms and conditions. And I agreed to it in my application. When asked to have all that I agree to in my profile sent to me, I was told it would take 30 days for Terms and Conditions, and 45 days for my application to be US mailed to me. When asked if I may have these things emailed to me or pointed to where I can find on the website. The representative pretended to have a different conversation with me, then disconnected the call. Only showing the lack of transparency to its consumer. Another red flag of predatory lending practices. 

In conclusion it is my belief that this company is attempting to exploit the fact that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These sort of practices are not only harmful XXXX XXXX XXXX consumers but also arent conducive to creating a healthy credit profile for XXXX XXXX XXXX. Programs like this are designed to keep XXXX XXXX XXXX in debt longer than needed by lumping excessive fees and interest charges.

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 2022-11-17 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: MOHELA
State: WI

Complaint narrative:
During the Covid forbearance, my loans went from {$16000.00} up to {$18000.00} at the end of XX/XX/2022. The loans increased again from {$18000.00} to {$19000.00} in XXXX of 2022. At that time my loans were with Fed XXXX. After multiple calls to XXXX and XXXX XXXX XXXX, hours on the phone and submitting formal complaints over the last year, I have received no clear answer as to why this money was added to my account while it was in forbearance. My loans recently got transferred to Mohela. I still can't get answers. One person from Federal Student Aid told me that she thought it was because I was on some specific loan program over 10 years ago and when I switched my loan plan to qualify for PSLF it disqualified me so they just decided to address it 10 years later and add interest. This is absolutely not ok. I need answers. I also have 10 years and 120 months of PSLF, but 2 months are not counting so I can't get forgiveness. I am beyond frustrated with the student loan system and feel like this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 i received an initial notice from CCS indicating I had an outstanding XXXX debt. In my response, I requested validation of this debt. Prior to receiving the requested validation, I received a text message from CCS demanding payment. First, I never consented to receiving SMS messages from this collection company. Second, CCS violated FDCPA by requesting payment during the validation period. I finally received validation of this debt on XX/XX/2022 ( notice dated XX/XX/2022 ). On XX/XX/2022 i received an alert stating the debt had been reported to my credit bureau reporting. On today, XX/XX/2022, I contacted CCS to ask why didn't I receive validation within 30 days of requesting and why was there a demand for payment sent via text message without my consent. The agent I spoke with, XXXX, refused to respond to my questions and wanted to transfer me to a supervisor. I advised the agent I was not at the point of wanting to speak with a supervisor but wanted him to address my concerns. This company has clearly violated section XXXX XXXX XXXX Validation of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX XXXX of XXXX I accepted an offer from my Chase Amazon card to pay 0 % interest on balance transfers until XX/XX/XXXX. After this, the company removed my grace period for new charges and began charging me interest from the date of purchase even if I pay the balance in full every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: VA

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. 

XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ; XXXX XXXX XXXX XXXX 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 instruction. 

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 2022-11-17 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: VA

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. 

XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX 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 instruction.

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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
Last XXXX I consolidated and filed for XXXX because under the waiver I have over XXXX qualifying payments. The history of all the nonsense with XXXX  XXXX is laid out in my previous complaint. I was transferred to MOHELA in XXXX - XXXX XX/XX/XXXX the ombudsman named XXXX told me they can request that my forgiveness be escalated because I met all the criteria and had been waiting so long. XXXX, with the Department of Education, advised me to file a new form with MOHELA instead of relying on the transferred form, as sometimes there were issues with those, AND it would get XXXX more payments certified by my employer ( even though I don't need them, as I am well over the XXXX - started with the federal govt in XXXX and still working the same qualifying job ). On XX/XX/XXXX I followed this advice and submitted the new XXXX form to MOHELA. Not seeing it, the next day I panicked and submitted a duplicate form. I called Mohela and the rep told me it was fine, that the second one would be deleted as a duplicate and not to worry. On XX/XX/XXXX I called Mohela because BOTH the non-duplicate and the duplicate forms were marked as duplicate and not processed! XXXX at Mohela changed the first one to processing again instead of duplicate, but told me there was no way to expedite and that I would have to wait all over again for XXXX business days for it to process even though I had already waited and this was their error! It isn't right to put me at the back of the line, again. I have been waiting almost a year now for forgiveness. I have tried to get a supervisor on the phone and have had to give up waiting on XX/XX/XXXX for over XXXX hours, XX/XX/XXXX for over XXXX hours, and XX/XX/XXXX I was on hold for a supervisor for over XXXX hours ( I have screenshots ). The trainee at MOHELA told me I could email to speak with a supervisor, but I pulled up what she suggested and there was NOWHERE on the site where you could email to request a supervisor call you, in spite of what their actual rep told me. So my complaints are that my forgiveness should be expedited bc this was their error in marking it a duplicate AND that their reps are dishonest ( probably unknowingly ) in telling you to email a supervisor because you literally can't - you can not get XXXX on the phone nor by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The payments I made towards money owed on my credit card is not reflecting the balance on my card and the credit card company increases my credit limit without my consent. 
I have made several attempts to resolve the issues with the company about. First issue is that the payments I made towards my promotional balance were not applied. Secondly I did not have access to the activities on the account and there have been no transparency since I opened. Anytime I returned a purchased item to the store, a purchase made on the credit card, the refund never show up on my balance. And whenever I try to resolve the issue the customer service representatives give me a run around.

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2022 Truist checking account fraudulently opened in my name with my addresss

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 2022-11-17 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: GA

Complaint narrative:
I have rights under 15 USX 1681.

Equifax is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give Equifax permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have credit monitoring thru XXXX  due to the XXXX breach. Someone has been applying for credit recently in my name. One of the creditors applying for my credit report ( XXXX ) has verified that they had an inquiry done in my name and has had me fill out paperwork to have the inquiry removed from my report. CapitalOne Bank, however, has had two hard inquires into my credit reports, but maintains no records of the inquiry, so they tell me, and therefore I can not process the removal of the fraudulent inquiry from my report. The fact that the data submitted to the credit agencies seems to be fraudulent, but I can not verify that because CapitalOne does not maintain records of failed credit attempts.

Company response to consumer: Closed with non-monetary relief