vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX my phone was stolen while I was visiting XXXX XXXX, LA. My phone had banking information on it and the thief used it to open a fraudulent virtual card with Affirm in my name. I have reported the transactions as fraudulent to Affirm both by phone and email. 

Each time I have contacted Affirm to follow up they continue to say they are investigating the claim. In the meantime, I have received additional emails and text messages from them demanding I make payments and threatening to send the debt to collection if it is not paid. 

I should not be responsible for these transactions and during the investigatory period collection activities should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MECHANICS BANK
State: TX

Complaint narrative:
I made XXXX payments on this car of XXXX a month the total of that is XXXX and the total financed was XXXX which leaves XXXX. Now this was during Covid when they came to get my car knowing that I was going to make the payment the next day. They added all these fees so it was impossible for me to get it back. Then they sold it for XXXX and they had that I owed XXXX on my credit for the longest time and they just changed it to XXXX. But I dont see how that I owe that and the way that they have been trying to scam me for XXXX for years just baffles me. I dont owe this amount. They have never given me documentation of anything just letters threatening me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for the AAA Daily Advantage Visa Signature card from Comenity/Bread Financial bank. After submitting the application, I received a message saying I would receive a letter from Comenity/Bread Financial within 10-14 days. I then received such letter, called in and provided all the information over the phone to the agent on the line. She confirmed I went through their verification process but 'the bank is still processing my application ' and asked that I waited another 10-14 days for another letter. 

This is ridiculous, but nothing I can do so I waited. I received another letter yesterday on XX/XX/07 saying my application was denied due to Comenity/Bread Financial being unable to verify my identity ( Ref number XXXX ). They already pulled my XXXX credit report, they have all my information, including SSN/home address/DOB, have me wait for 3 weeks and told me that. Unacceptable and unbelievable. Very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I received a letter from Newrez, LLC, dated XX/XX/2023 stating that wind damage coverage is required on my individual condominium unit HO6 insurance policy. In the same sentence Newrez states that " we plan to buy insurance for your property. '' Newrez then went on to state the following : " You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. 
The insurance we buy : May be significantly more expensive than the insurance you can buy yourself ; may not provide as much coverage as an insurance policy you buy yourself. '' This communication from Newrez was received apparently without any knowledge or attempt to understand that the condo unit in question is contained within a larger building. The wind coverage is carried at the association level on the master policy, not at the individual unit level. Newrez took no time nor interest to understand the facts prior to sending out an aggressively worded communication. 

My ultimate concern is that those who receive this type of letter may feel pressured or coerced into adding coverage onto their individual policy that is redundant and not required, therefore incurring unnecessary cost. 

The customer service agent at Newrez, acknowledged that other people have complained about the same issue and management within the organization is either indifferent to the concern or unwilling to address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc.
State: TX

Complaint narrative:
XXXX I requested my Wisely account closure- I was advised it was closed- I changed my ADP acct number to a personal acct - within 24hrs Wisely attach to my ADP- I then delete wisely again from my ADP and add my personal bank acct XXXX I requested my Wisely account closure- I was advised it was closed- I changed my ADP acct number to a personal acct - within 24hrs Wisely attach to my ADP- I then delete wisely again from my ADP and add my personal bank acct - the wisely card continues to attach to my ADP for my payroll I only want the account close- Now XX/XX/2023 they are saying I owe them- XX/XX/2023 to day is payroll and I only transferred my pay to my acct-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra

Complaint narrative:
Im a user of the app Abra and have just left my crypto in the interest account to grow as its a long term investment. 

I went to make a small withdrawal of BTC from the interest account to my wallet. I opened my app this morning and all my money was gone. 

I then went digging and found this has happened to many people due to some email or already they sent out that I never saw, saying I had to do something before XXXX. 

Ive lost everything, there was no email or to tell me this was going to happen. I found a XXXX thread which said to file a complaint with you to get it back. 

As you can see from my attachment, I sent XXXX Btc to my wallet then this morning they took everything.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo assumed my loan and broke the original contract we had with XXXX. They opened an escrow account when we had an escrow waiver. They paid taxes that were not due or delinquent even though we provided them with documentation that they were not due or delinquent. They raised the mortgage payment from {$2000.00} to {$3000.00} to cover XXXX  and XXXX  taxes and subsequent taxes thereafter. They created the hardship that destroyed the relationship with my co-borrower leaving me to defend myself against foreclosure for fifteen years. I did everything they told me to do for seven years to get a modification. When I found out the taxes weren't due until XXXX of XXXX, I hired a lawyer and he strung me along for eight more years only to get me into another contract again with the threat of foreclosure. Now, I owe way more than the original principal balance when Wells Fargo broke my contract, and my payment is so high, I have to get a second and third job. I've been XXXX for 34 years, and planned to retire by now. Now, I have to work seven more years.

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 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I XXXXXXXX XXXX XXXX XXXXXXXX  and informed Sunset Finance in XXXX, GA that I was going to be on unpaid XXXX  XXXX  until XXXX, ever since I missed my first payment I have received calls from blocked numbers, nasty comments from the manager and CSR XXXX. XXXX told me on XX/XX/2023 that they needed me to come into the office to sign insurance paperwork in order to help get my loan caught up since I am out of work. I took my XXXX week old into the office thinking that I was going to receive help from this company in order to get caught up, and the manager asked me to come back to his desk. With customers in the office he said loudly that I was XXXX payments behind on both of my loans, and that he could coming them to get me caught up but that I would have to pay {$250.00}. I informed him ( again ) that we are relying solely on my husbands income and that our rent alone is {$1300.00}, and that I had no way of paying {$250.00}. He told me to ask someone for help like my parents or a good friend, because he can call his mom or a good friend to help him. I called my mom while I was at his desk, and while talking to her I told him that it was unethical for his employee to tell me that I needed to come sign insurance forms, he stated that in his XXXX years of working there that the company has not covered XXXX. In short, I was lied to by his employee, he stated that he was not aware of what she said to me. This company has also sent someone from their legal department to my home when I was alone with my child ( XXXX weeks old at that time ), tried to get me to talk to their manager on the phone that day as well. I informed this company on multiple occasions that I am out of work, and have a XXXX  to provide for right now, and that he is my main concern. The manager kept saying in my XXXX years in this business he has also told me that he knows Im in the business but I havent been in it as long as he has. It was unethical of them to tell me I was coming to receive help from an insurance claim and then embarrass me in front of other customers. I had to take my XXXX XXXX  old into their office and one of the employees was wearing a mask, which tells me that he is either sick or was recently, which in turn puts my vulnerable infant at risk 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: NV

Complaint narrative:
the transactions were supposed to be for the landlord and the money was sent for an application and security deposit. We had been communicating for a few days beforehand and he sent me more than one property that was listed on the company 's website. When we spoke we had agreed to do everything in payments because I had not met him yet. I was unable to get ahold of the management company to verify his identity until after all the transactions were made sadly. I sent the money to his " lawyer '' and " lawyer 's wife '' and have their XXXX  and XXXX. When i had asked for a refund and to cancel our agreement, he claimed he would need to take a fee out of the money sent in order to send it back, which i know isn't the case. I spent a week afterwards attempting to get my money back not just from him but from my bank as well who continues to deny my claim even with the proof i have. My bank has denied me multiple times despite constantly asking me for more information every time I have appealed it. They are refusing to refund my money even though this was a horrible scam and it has been explained to them. due to this experience I was homeless for 2 months with my fiance and our animals. This is unforgiveable on the company 's side and from this horrible person who took advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX & EQUIFAX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

Thank you for your help in this matter,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX DOB-XX/XX/XXXX SS : XXXX I sent a letter out on XX/XX/XXXX to Transunion and However , the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15.U.S code 1681a-Definition : rules of construction. 

The term investigation Consumer report means a consumer report or portion of thereof in which information on a consumers character, general reputation, general characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he his acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they talked too. 

How did they complete this investigation? 
Thank 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently received an alert of a inquiry. That was added to my Experian credit report. I did not authorize this company to access my credit report. 
XXXX XXXX XXXX XX/XX/2023 I do Not recognize this inquiry. 

I have attached a copy of my FTC identity thief report.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
information i disputed was not removed properly

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and has done nothing. I can no longer be verified by using my very own social security number, name, and DOB due to this. 

1. XXXX XXXX acct ending in ( XXXX ) {$570.00} 2. XXXX XXXX acct ending in ( XXXX ) {$11000.00} 3. XXXX Acct ending in ( XXXX ) {$450.00} 4. XXXX XXXX acct ending in ( XXXX ) {$370.00} 5. XXXX XXXX acct ending in ( XXXX ) {$570.00} 6. XXXX XXXXXXXX acct ending in ( XXXX ) {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
A new ( er ) collection popped up on my report for {$1600.00} NCB/XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting this debt with bad data in order to extend life of debt. 

XXXX customer service was not helpful, but account specialist in XXXX collections said : Account sold to NCB : {$1600.00} XX/XX/2017 She did not have any further data : specifically the last payment made/payment history/DOFD ( 30 days, etc ). 
Ive challenged this with the 3 bureaus but they have not posted the DOFD, and they state NCB is asserting that last payment made was XX/XX/2017 but that is the date it was sold to another company.

Company response to consumer: Closed with explanation