vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
On XX/XX/ I entered into a loan with Mosaic for XXXX XXXX through XXXX XXXX. The loan amount is approx XXXX. The panels installation is only 60 % complete according to the portal of the installation company. The solar panels have yet to be inspected and there is no way to know where we are at in the installation process. The panels are not functioning at this time. There is no monitoring system available. No solar companies will maintain or take on our solar project. Our full loan amount was dispersed to XXXX even after notifying Mosaic that we did not have permission to operate at the time. Mosaic dispersed money to the installers prior to ensuring that the installation was complete. There is currently a class action lawsuit again XXXX with almost all customers reporting the same issues with both XXXX and Mosaic. The attorney general in Arkansas has also filed suit. Mosiac has refused to speak with us about our loan or cancelling it at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX XXXX XXXXXXXX they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For XXXX XXXX XXXX stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX Experian claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
About a week ago I saw my credit score had reduced. Transunion shows this hard inquiry fromXXXX XXXX who service some types of XXXX credit cards : Name : XXXX Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called XXXXXXXX XXXX who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called Transunion, who claims that is impossible, and that if the hard inquiry exists, it was from XXXXXXXX XXXX systems. The rep straight-up said XXXXXXXX XXXX  is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from XXXX, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your XXXX XXXX online credit request. 


Hi XXXX, Thank you for your recent XXXX XXXX credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX None of this could be verified in my call to XXXXXXXX XXXX They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting unauthorized 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 2023-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I have asked this company to close this account on numerous times for the past couple years and they will not close the account and report past due payments on my credit file. I was paying XXXX a month for nothing. That is why I asked the account to be closed with no luck, just keep withdraw from my account when they want too.

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card close my account after a period of inactivity, said that they sent a letter warning me before closing the account in XX/XX/XXXX, and then closed the account in XX/XX/XXXX, but never got that warning letter. They closed my account and said all my reward dollars are now lost, {$5700.00}. 
Called 4 time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX. 
Wrote letter XX/XX/XXXX to Capital One credit card company appealing closing my account without warning, and pay the rewards, which I got a response letter to call them to try to resolve the issue. 
Capital One company turned down my appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.The allegations appear to be inaccurate. Please provide accurate and verified information for each claim or we will have no choice but take legal action against you!

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 2023-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We took forbearance on our home loan with round point mortgage beginning XXXX XXXX for 3 months after living through category 5 hurricane Ian. Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you build back your finances. For most loans, there will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a disaster-related financial hardship. What I am confused on is the part where it clearly states NO PENALTIES. As it was explained to me when I first inquired in XXXX for Forbearance on my loan, I would not be behind on my loan, that it would simply pause my loan until XX/XX/XXXX at which time Roundpoint requested that I re-activate my direct payments which I did. Roundpoint pulled the payment from my account on XX/XX/XXXX as agreed upon. After going through Hurricane Ian  and receiving extensive damage to my home I had a second disaster on XX/XX/XXXX where my first floor of my home was completely damaged due to a water leak. My home has been unlivable for more than three months. We have asked Roundpoint to release the most recent check issued in full ( {$20000.00} ) from the second claim, so I can proceed with fixing my unhabitable home. I have owned this property since XX/XX/XXXX ( 10 YEARS ) I have never once made a late payment. I have an extremely high credit score and a very serious financial interest in this property. I have invested a lot of money into the property over the last 10 years to increase its value. If I was advised at the time of inquiry in XXXX that forbearance would put my loan delinquent, I would have never considered it. In fact, I was advised otherwise, that this would only pause my loan. I am currently living in a small camper in my driveway with my XXXX XXXX   children, husband and dog, this has been a large burden on my family and by Roundpoint holding payments it will make it very difficult for us to get back into our home timely. Since our insurance company has gone insolvent we now are without the funds to be able to fix our home. Roundpoint refuses to release the only insurance check we were able to obtain for our flood claim before they went bankrupt. We were told they would only release the funds in increments and with an inspection each time. The increments would not be enough to even complete one thing that needs to get done.

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 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
In XX/XX/2022 a salesman from XXXX XXXX came to my door and asked to talk to me about Solar panel installation. I was already looking into solar and after extensive conversation and background research decided to move forward with financing the panels through Mosaic. I signed a contract with XXXX XXXX, however no one from their company ever signed or dated the contract. The panels were installed but never hooked up. A few months later i received a letter from centerpoint advising that both XXXX XXXX and myself needed to resign a tarriff agreement as it was filled out incorrectly. I tried multiple times to reach anyone at XXXX and soon found out they seem to have skipped town. I am involved in a class actions lawsuit against them as they have defraded over 100 people between Texas and Arkansas. The terms of the agreement between Mosaic and XXXX was that the first half of the disbursement would be paid upon signing the contract and the second half would be paid after the work had been completed and verified by Mosaic. Mosaic never verified the work had been completed and blindly sent XXXX the second half of the disbursement and are now refusing to cancel my loan even though i have sent them proof that my contract was never signed and even according to the portal on XXXX 's website my installation is only 90 % complete. I am looking to get my loan cancelled through Mosaic as they did not honor their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
In XXXX, We got a loan from mosaic llc for solar panels with XXXX XXXX - XXXX XXXX they started the installation but never done and mosaic didnt got sure we got what they paid for it we tried multiple times to get our loan canceled but they only said they are investigating when they know that XXXX went into bankruptcy and they are not getting done the project. 
Attached is a picture where shows where the panels installation were when they stopped answering the phone, we supposedly get the panels to save on our electric bill but now we still have to pay our high electric bill plus we have that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I am re submitted a complaint that didn't come to a resolution with my credit card company. They closed the complaint with no resolution. 

Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express . We would like the card to be reinstated and to regain access to our rewards dollars. 

The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. 

I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I have been disputing credit acceptance since the beginning of this year... during the time my loan was assessed covid hit my family and I really bad.. resulting in not only multiple moving to different address but I notified them and called .... I never gotten a bill from them. what's even worse the car got totaled out. they didn't repo the car they just had it at a body repair shop. I never gotten any correspondence nor do I know what happened to the car. I want my name and record deleted from this loan. Like I said I tried myself numerous times with no end result

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX. The results from both complaints were verified. In the complaints i stated XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both Experian and XXXX verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.

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