vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: TN

Complaint narrative:
Earlier this week, Equifax admitted to reporting erroneous credit scores. Equifax also has a class action lawsuit. On XX/XX/22, I have called Equifax NUMEROUS of times. On a phone call with one rep, I constantly requested to be transferred to a supervisor or manager. That rep left me on hold for almost 30 minutes. Equifax recently CONFESSED to reporting incorrect credit scores at the beginning of the year and also have a class action lawsuit against them. I called Equifax demanding they removed the inquires, XXXX XXXX XXXX and XXXX XXXX off my credit report. I have explained before where Equifax and XXXX XXXX  are violating my federal privacy right violating 15usc 1881a ( 3 ) and ( 4 ). I have never given XXXX XXXXXXXX XXXX permission to share my information or reported. ALSO Equifax is reporting erroneous information on my credit report. XXXX XXXX is reporting an account that is constantly being re-aged. That is definitely illegal.. 

I need this rectified IMMEDIATELY! REMOVE XXXX, XXXX XXXX AND ALL INQUIRIES file : XXXX : XXXX/Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
I opened credit card account with Gemini in XXXX. I made one payment on schedule. After that they suspended my account and then sent an email that my account was reinstated and able to use again. This was false. I have the emails and correspondence. Then they put a charge off on my credit report. I could not go into use the website and I cant make minimum payments now. I want them to reverse the charge off on my credit report and I will pay the minimum payments and want the card open again. Their technology was terrible. I attach the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
I was affected by the data breach involving Equifax. When attempting to reach Equifax and demanding they remove all hard inquiries, collections and late payments. 

Per 15 USC 1681 a ( 3 ) and 15 USC 1681 ( a ) ( 4 ) " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) 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. '' Per 15 USC 1681 ( b ) " Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' I never consented to these inquiries and reported late payments and closed accounts. Equifax did not exercise their grave responsibility to meeting the needs of my consumer credit information in a manner that was fair and equitable to me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: AZ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
XXXX never contacted me about alleged debt. I was never given the opportunity to verify alleged debt. 

Amount of Alleged Debt XXXX 15 USC 1681b ( a ) ( 2 ) I never gave written consent to have anything from rent grow to furnish information on my report This is an infringement upon my privacy and has cause me to be discriminated against. 

M.A.R.S. INC still havent supplied me with evidence on how this information was verified before reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Check deposited XX/XX/XXXX Funds were to be available XX/XX/XXXX. Another hold was placed without notice. No information is being given by the bank I contacted payee they stated the check was cleared and payed out to the bank. 
Bank has not given me notice or explanation as to why.

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 2022-08-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So recently I received a letter from Bank of America XXXX XXXX saying they revisited an old claim of mine and reversed the final decision in my favor and to go through my statements and see if there are more fraudulent charges and to file them..so I did and there was quite a bit of them that I tried to have settled a while back but they rules against me..so I filed my new claims the first claim and when I saw I was awarded the new claims I noticed that the gentleman I spoke to who filed my claims didn't put all of the charges I told him.to on them so I had to file 2 new claims which is what I'm complaining about. First claim # XXXX for the amount of {$800.00} and the second claim # {$1300.00} both of which all the charged on these 2 claims were suppose to be submitted on the claim I was just awarded as the bank employee promised me they were, are now being denied to me and they are all charges from XXXX, XXXX and some from XXXXso when it denied I call back and have them file a reconsideration, then when I call back to check on that reconsideration I find out that a reconsideration wasn't even filed.. so ha e to refill again and this has been going on for about 2 months and these charges I'm now being denied are the same charges I was just recently rewarded and because the employee didn't put all of my claims on them I had to refill and now somehow am being denied these claims that should be rewarded to me in the first claim.. AND on top of that ... I had a bank of america MANAGER call me back on my cell phone to harass and threaten me and say some really weird things to me, so I filed a complaint about this with bank of America and the complaint is XXXX complaint ID # XXXX and filed the complaint with bank of America manager named XXXX and was told I can call tbe bank and follow up with my complaint I filed and then when I do, the bank tells me it's a n internal problem they will handle its none of my busines ... .So now I'm in fear for my safety because this bank manager who called to Harrass and threatened me has access to all of my personal information like my address, social security, all my banking information. And I don't know what she's capable of if she's gone to the level she has already and I dont feel safe now and don't know who to turn to for help.

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 2022-08-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I did contact the Capital One for the XXXX time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXXXXXX XXXX duration of call XXXX min, spoke with XXXX XXXX of the supervisor, I asked again to please remove the XXXX late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
A loan agreement was signed on XX/XX/2022, with the help of the contractor XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to finance home repairs. The money was dispersed on XX/XX/2022. XXXX quit and threatened to sue on XX/XX/2022 after repeated request for a complete bill, a completion date, all paperwork that pertains to my home, such as inspection reports. a stipulation for contractors in the Mosaic program is that the work be completed and done correctly. Not only is work not completed on the home, there is substantial damage. Proof of damage and a settlement agreement offered after both XXXX and XXXX XXXX did a walk through to see the damage. Each complaint sent to Mosaic ends with the installer said that they had proof that the work was completed, but was unable to provide me that proof, and a later reply that the installer would finish the work. The last call I had with XXXX was on XX/XX/2022. As we were on the call, XXXX began to give a run down on how the project order was supposed to happen ; I cut him off when he said an engineering approved reminding him that there was no engineering done at my house, and he hung up. This information was presented to Mosaic, and the still sided with the contractor. Some of the remedies from Mosaic if the work is not complete or is not up to par is to require the participant ( XXXX XXXX ) to refund the money, cancel the loan agreement. Mosaic has continued to pass my complaint from person to person ; XXXX to XXXX to XXXX to XXXX. Was told by XXXX, XXXX and XXXX that an investigation was happening and that if they continued to not receive contact with the installer, they would send someone to XXXX XXXXXXXX XXXX and to my house to find out what's wrong. While the case was under XXXX, XXXX closed it and I had it reopened. I have not been able to get any compliance worker on the phone for the past two weeks. Lastly, a payment was returned from Mosaic saying they can't find account, but I received a payment received letter. I believe they are intentionally not working with me and are trying to put a lein on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My home mortgage was sold to Mr. Cooper many years ago. Early this past spring, I had gotten a tax bill in the mail that I didn't quite understand and I called Mr. Cooper to clarify and confirm that I did not owe extra property taxes. I was assured that everything was taken care of on their end and that any delinquency fee would not be taken out of my escrow because it was not my fault. I left it at that and more or less forgot about this. This past summer when they re-evaluated my escrow, they concluded that my taxes were nearly double what they were previously and due to that, my mortgage payment went up about {$700.00} per month to cover the escrow shortage. I called their customer service to inquire about this, hoping it was a simple mistake, and I was told that my taxes went up. This did not make sense to me as I live in CA and XXXX XXXX keeps property taxes from spiking from year to year. I spoke to multiple customer service reps with Mr. Cooper and they all insisted that I was mistaken and my taxes, indeed, rose significantly. I spoke with the local tax bureau and discovered that Mr. Cooper had missed one of my tax payments, despite having record that the payment was made. After much digging and poring over statements, I discovered that because of this missed payment, the next bill included the previous installment that was supposedly already paid plus a delinquency fee. Mr. Cooper calculated that bill as being only a 6-month installment and calculated my next year 's taxes accordingly which resulted in my projected taxes essentially doubling. After many hours on the phone, I have finally gotten them to fix the projected taxes for next year. They said they actually did pay the missed tax payment but because it was not the correct amount, it was not applied to my taxes and put in a " suspense account '' instead. I have been informed that when the refund comes from the county, they will credit my account. This still does not address the delinquency fee. This fee should not be my burden to bear as it was not my error. I am not happy with their record-keeping and labeling on my escrow analysis, as they still indicate my past year 's tax amount as the errant amount and I am, at this point, completely untrusting of this company 's honesty and thoroughness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

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

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

I did not give them 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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I had a checking account with PNC Bank. Due to PNC 's neglect in providing a minimum level of acceptable service I closed my account in XX/XX/2022. I requested my personal information be removed from their records and not be used for marketing or solicitation. I continued to receive unwanted credit card offers from PNC. I contacted them again to request no more solicitations and they referred me to a third party to block future offers. I completed the required information and was advised I would no longer receive unsolicited offers. I still receive these offers from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
So I have been a victim of identity theft with Oklahoma XXXX XXXX  and edd unemployment insurance I was XXXX XXXX XXXX XXXX during the time of the victimizer using my information to obtain multiple payments I have reached out to Bank of America and Oklahoma XXXX XXXX I have provided all required documents showing my XXXX  and other supporting evidence just to be denied I really need help retrieving all the money that was stolen from me during my XXXX I have been lied to and no resolution for my case has been provided except denials I dont know what else to do

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 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent {$730.00} to the wrong person on XXXX and I contacted chase bank to advise them of that. I was told that they would try to get the funds back and if they couldn't I would just be out of luck. On Saturday XX/XX/XXXX I received a credit to my account for the funds and it has been spent. Today on XX/XX/XXXX the bank took these funds back. I contacted to inquire why and they said it was a provisional credit. It was not explained to me that it was provisional, I explained that to the representative and she could care less. I asked to pull the call because it was not explained to me that way and she provided no solution except that chase could do nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I purchased a home security system with XXXX and was provided a credit line from Citizen 's for the equipment ( XXXX ). When I moved, prior to completion of the contract, XXXX was contacted and I was informed I could leave the equipment and they would update Citizen to waive further fees. I then signed a new contract with XXXX and secured a new credit loan with Citizens for the new equipment ( XXXX ) in XXXX of 2021. Citizens One continues to try to deduct money for the closed account despite my good standing with the new account. I have spoken to Citizens One with XXXX in a 3 way call and was assured on 4 occasions that the matter was resolved. On the last call with Citizens, I was told it was an issue with XXXX and they would not be able to help me despite their continued collections on a closed account.

Company response to consumer: Closed with explanation