vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: PA

Complaint narrative:
On XX/XX/2022 I called Equifax to let them know they are in violation of their own Data Sharing Policy. They assured me that they WERE in violation of their Data Share Policy and the 2 accounts would be deleted within 72 hours. I confirmed over the phone with XXXX XXXX, Id # XXXX that Equifax was indeed in violation of their own Data Share Policy, and these accounts would be marked to be deleted in 72 hours. I confirmed AGAIN these accounts would not be put into " dispute '' but would be DELETED and she confirmed YES. The accounts were put into " dispute '' status without my consent, and then were marked as " validated '' with no documentation of my permission to report my personal and private information. Equifax 's Data Share Policy states that they have permission to report a consumer 's personal and private information because they obtained permission through the Lender. I do not remember being explicitly offered the option to opt out of having this information shared. I have requested that Equifax provide the documents from the lender that their Data Sharing Policy states they keep on file, to prove they have permission to share this information. This is a violation of my privacy and consent pursuant to 15 USC 6802 ( b ) ( 1 ). I was never given the option to opt out of having this information shared. AND I DO NOT recall being explicitly and clearly explained that I would be opting in to this information. And If I did, Equifax says they have those documents on file, and their Data Share Policy states that they can provide that to a consumer on request. I have requested it, and was denied it several times. I DO NOT want these accounts to be " investigated '' or put into a " dispute '' process. I have provided all the necessary documentation and Equifax has YET to prove that they do in fact have my express permission to report these accounts, which they do not. They need to be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$6000.00} was withdrawn from my XXXX account while I was outside the country and i had my debit card with me all the time but when I contacted Bank of America they told no errors was occurred.

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 2022-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 Bank of America reported a new credit inquiry which i did not authorize

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 2022-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I have sent award letter from XXXX and 3rd party authorization. 
I was awarded under XXXX  XXXX forward payment. Nothing has posted on my acct yet. 
I was told payment went out to my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Midland Credit Management Account # XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
The company Stated " Please note that based on the information provided by the seller, WE have determined that our credit file, and the information being furnished for the above-referenced account, is accurate. WE will be closing our investigation of your dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act. 
I requested a proper investigation not internally by the company they will always find in favor of them selves. The investigation found to be flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
Back in XXXX, UWM erroneously and without warning began charging me double in mortgage payments. Turns out they inappropriately assessed my taxes. I had to file an email complaint with them to get it fixed but they did not fix it at first. I had to make several calls to get them to fix the tax assessment. That error stopped the auto payment. When I got put back on auto pay there system would randomly stop auto deduction every month causing a delay in payment. Rather than fix the problem, they charged me late fees. I called them yesterday and told them about it and they said they figured it out and it and fixed it but I don't believe them. They also told me that they could not reverse the late charge. 
They also have my mailing address incorrect. It's missing the unit number.. I want them to reverse the charge because of their errors in their website and their administration my account was charged late fees. I want them reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Dear Whom It May Concern, Chase Bank is managing my second loan which is due for pay-off. I've been making extra principal payments and the payments have not been applied when I have made them and had to get the bank to retroactively apply the payments. 

The accounting on the principal payments has been incorrect and there are misapplication reversals on my mortgage account at least a dozen times. The accounting is still not accurate, despite me calling to point out the discrepenices a dozen times or more plus email them. My notes indicate I have less than {$3000.00} left to pay but the bank is showing {$4500.00} There is an even still an unapplied balance of {$1500.00} on my bank account as of XX/XX/XXXX. When I call to dispute the math, starting with with XX/XX/XXXX where I had {$6100.00} left on my account but have paid these principal payment since then {$1600.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, the bank says I still owe {$4500.00}. 

Worse, when I ask to go back to the principal payments paid each month, to discuss objectively, the accounting on specific dates, they refer to the billling statements which are wrong. They can not discuss their accounting records they present me online because when they do they cite different digital record keeping records. So what they report as the math and principal payment amounts and remaining balance does not match up in their records they are discussing with me. In other words, their accounting on their side doesn't match the records they are sharing with me online. It's chaotic and feels insane for a financial institution. Fuzzy math is unacceptable. 

The result is you can not discuss anything with them because their records do not match. They are keeping bad records, not fixing errors, overcharging me on interest and making it virtually impossible for me to pay this loan off because every time I ask of pay off quote the amount is XXXX what is left on the loan. I need a third party to observe the nefarious and ill-intentioned record keeping and lack of proper follow up and fair accounting on the account. I just want to have the payments I made reflected accurately, not be overcharged for interest, get one clean pay-off quote and end this madness. I am literally afraid of paying any more because for 8 months straight every time I pay, they apply the principal incorrectly and the payments I owe sometimes increase after a big principal payment. What is the point of paying this if I can never get an accurate payment amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 consistently been violated by Equifax. They have broken numerous federal laws when pertaining to my consumer file. It is being irresponsibly tampered with breaking laws 15USC1681. There are accounts that have NOT been thoroughly investigated. I have tried to remedy the situation since last week but to no avail Equifax is grossly dismissing any attempt to remedy. Under 15USC1681 they have also not respected my right to privacy being that they assumed their role without my consent and are not exercising their grave responsibility upon assuming the role that they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 my payoff amount for my loan was {$20000.00} and I paid {$180.00} on a {$130.00} bill ( {$50.00} over pay to go strait to the principle ). For my payment due on XX/XX/2022 my payoff amount is {$20000.00}. This math does not add up and I would like to know how I get an investigation looking into how Firstmark is operating I have looked at their reviews online and it seems this is an ongoing problem with this company and considering the current economic rescission this country is in a company like Firstmark should be held to highest of standers.

Who do I talk to to get Firstmark looked into for fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX first charged my account on XX/XX/2022, for {$200.00} ( unauthorized payment ), I contacted XXXX XXXX-Chime reported the issue and was granted a provisional credit on XX/XX/XXXX for {$200.00}. On XX/XX/2022, again for a second time XXXX XXXX XXXX XXXX utilized my stored debit card numbers to take {$200.00} ( unauthorized payment ), I again contacted XXXX XXXXChime. They suggested that I contact the merchant ( XXXX XXXX XXXX XXXX ), I did speak with the business Manager who confirmed that I wasn't in the system as a client receiving services. She continued to say XXXX XXXX XXXX XXXX had a new system for billing, she suggested that I contact Chime to see what Chime could do on its end because she stated, she couldn't see in her system where I was being billed. 

I spoke at length with the Chime representative about this matter and asked that they block or whatever needed to be done to keep this business from having access to my checking account. 

Again on XX/XX/2022, for a third time XXXX XXXX XXXX XXXX again utilized my stored debit card information and took {$200.00} ( unauthorized payment ). I reported the transaction as soon as it had cleared ( Monday XX/XX/2022 ). I received an email from XXXX Bank-Chime on XX/XX/2022, stating that my dispute of the charges was denied and that I needed to provide additional proof that this was fraud ( police report, Hospitalization/Incarceration Records Proof of Location ( such as time sheets, GPS, flight records, travel receipts, hotel booking information ). 

XXXX XXXXChime allowed this business access to my banking information/account to access funds when I really needed them, causing extreme financial problems for me. It wasn't until the third time that I reported this situtation involving the same company, that Chime sent me an email saying through investigation they had determined my account had been compromised and my card was cancelled and a new card sent out to me. XXXX XXXX  then for retaliatory and unethical reasons refused to return my funds and put forth impossible hurdles for me to have my money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent certified letter to Equifax regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing them they were in non compliance and also in violation of the Hippa Law.I also sent a copy of the attached letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had requested the credit bureau delete the account from my credit report. This same letter was sent to XXXX and XXXX and they took the account off my credit report. 
Equifax stated this account was verified. ON XX/XX/XXXX I filed a complaint with the CFPB Equifax responded on XX/XX/XXXX COMPANY 'S INTERIM RESPONSE stating Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings.On XX/XX/XXXX responded to thru the CFPB website. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. It Is now XXXX and this account is still being reported by XXXXThis willful non- compliance, I sent proof account should be removed and it was ignored. The letter I sent was to Attn : Dispute Manager at Equifax. I want this account removed immediately from my credit file with Equifax. There is no need for another investigation I have attached the proof this account should not be on my credit report and it being ignored by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place. 

The Below Accounts And Inquiries Are Fraudulent And Not Mines : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, TransUnion XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from TransUnion or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2, It also states a consumer reporting agency can not furnish 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 2022-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, XXXX XXXX Equifax XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or Equifax in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a Trusit XXXX Checking account online in early XXXX with the offer code XXXX. When I applied I wasn't instantly given an account number or routing number to begin funding an using the account. See attached for what was displayed and note in top left it shows the promo code was applied. After not hearing anything for a few days I called in to get my account and routing info. I was connected with someone and verbally confirmed the promo code was still applied. By XX/XX/XXXX I funded the account with {$50.00} to meet the opening requirements. I then set up my direct deposit from employer and they deposited over {$4000.00} across XXXX deposits on XXXX and XX/XX/XXXX. Meeting terms and conditions of two direct deposits totaling over {$1000.00}. Per terms and conditions it stated the bonus could take up to 4 weeks to post once the direct deposits were met, after 4 weeks and receiving nothing I called to check status on XX/XX/XXXX. I had to speak with a manger for them to understand the promotion, they confirmed with me the promo was applied and I met the terms. That manager opened a ticket to see why the bonus hasn't posted. After not hearing back for XXXX  months I called XX/XX/XXXX and used chat function and now they informed me the code was not applied. I showed the image attached that it was applied and they told me it was not... I attached the terms and conditions as well.

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 2022-08-11 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: TX

Complaint narrative:
I have an account that is invalid on my reports. The account keeps coming back as verified. But how can that be if it is not verified/validated. I disputed with original debtor and it was removed from all 3 reports since it could not be verified/validated. Then the debt buyer came along and reporting on an unvalidated/verified account. XXXX deleted since it is a violation. However, Equifax & XXXX still are in violation. Please get this deleted immediately. 

XXXX original debtor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app took XXXX out my bank account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Over the last couple of years I have been going through extreme financial hardship. In order to work with the XXXX banks that I have credit cards with, I was given the option by each of them to close the cards in order to get both lowered payments and lowered rates. I explained to them all that I have very little income and I am definitely a hardship case. Chase bank refuses to lower the interest rate as they say " that is not something we can do ''. Chase says they can lower the monthly payments, but they " can't '' lower the interest charge of 19.4 %. Every other bank did it ... .I 'm not sure how Chase bank is different despite my telling them that I am definitely a hardship case ... ... ... and I have paid my monthly payments in full and on time since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was hacked and {$32000.00} was withdrawn from my equity account without my permission. The bank does not believe that it was not my fault. Then they sold my debt to a debt collector that is forcing me to pay back the amount plus interest.

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