vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I ordered an XXXX laptop and used Affirm to pay the purchase off on installments. The laptop was supposed to be delivered using express delivery on XX/XX/2022, but the date was changed to XX/XX/2022 then XX/XX/2022. So I canceled the order with XXXX then immediately contacted Affirm to request my first payment be refunded that I made on XX/XX/2022. Affirm informed me they had to open a dispute then canceled my autopay until the dispute was resolved. They asked me multiple times to upload the same documentation showing I contacted XXXX as well as all attempts to cancel the order along with XXXX 's response. I provided the information multiple times including documentation that the order was canceled as requested after a lot of back and forth with XXXX. Affirm then asked for XXXX 's shipping and cancellation policy which I also provided. XXXX is XXXX of Affirm 's preferred merchants. Once I provided everything a second time I was told I need to wait until XXXX returns their money before my refund can be processed then it will take 3 to 10 business days. After receiving their money, I get an email stating the transaction failed so I need to verify the address for a check to be mailed in 16 business days. Please keep in mind the same payment method used to make the first payment as well as the address are both on file. Nothing has changed and this isn't my first order with them. When I contacted them because no attempt was made to my bank, I was told it was done automatically and the only error provided " Processor error '' so it needed to be mailed. When I asked how's that possible same system received my payment. He couldn't say. It's nerve racking negate he kept reading from a script. So I provided my address and told him it's the address on file since opening the account. This company appears to want to keep my funds as long as possible before returning them. I don't think the credit was attempted on my account but part of their delay tactics. When I asked that my account be closed as soon as my check is mailed, I told I'll have to call back to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: MUSA Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Musa Auto Finance to break the lease of a XXXX XXXX XXXX that was leased due to my then ex-wife and I moving to XXXX under her military orders. I spoke with XXXX XXXX as can be noted in the emails. She was going to check with the legal department and get back to me about coverage under the SCRA for spouses. She sent me paperwork but I did not sign the voluntary surrender agreement form to be held responsible for the balance as can be noted in the second email. XXXX XXXX was going to get back to me about coverage and if not, the vehicle would be returned to me and the lease to continue which was not a problem. Instead, after my return to XXXX to settle affairs, we made agreements for the vehicle to be picked up without the responsibility form being signed as the legal team was still " looking into it. '' On XX/XX/XXXX she contacted me saying they needed to pick up the vehicle and I asked them that if I could have the option of having the vehicle back if they found out I was not covered. She said yes and we scheduled pickup of the vehicle mind you as the last payment had been made on XX/XX/XXXX. XXXX XXXX- I called her and XXXX in XXXX and XXXX and they assured me the vehicle had been sold ( XXXX said XXXX, paperwork on their end says XXXX but the bill of Sale says XXXX ) and there was no balance. XX/XX/XXXX- They started sending balance delinquency paperwork and even reported collection on credit report. Had it disputed/removed. On XX/XX/XXXX, I contacted MUSA 's billing department and they stated there was a deficiency letter dated XX/XX/XXXX. In this email, they note their notes from XX/XX/XXXX to XX/XX/XXXX were of me being advised of not being covered under the SCRA but yet the bill of sale attached is dated for XX/XX/XXXX. That email, outlines the dates and facts I provided to them to have someone hirer up respond but never did. I have since then filed a XXXX complaint against the new company name of XXXX XXXX ( Case # XXXX ) in which they responded that the account had been sold to a collector, ( XXXX XXXX XXXX, XXXX XXXX, TX ) who I also opened a XXXX complaint ( Complaint ID # XXXX ) and they removed the account only to reinstate it after 2 weeks. Attached are the emails between myself and XXXX XXXX on behalf of Musa Auto finance, the call logs spanning from XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  complaints including the responses from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My original loan was sold to New Rez and after the mandatory 5 year payment of mortgage insurance I called to have the MI dropped. I have asked multiple times to have a list of approved appraisal companys and have not received anything. On XX/XX/21 I received a letter stating my principal balance must be {$210000.00} before the MI is dropped. My principal balance is now {$210000.00} and yet they will need 60 days to review to see if Im eligible to drop the MI. After speaking with a manager ( XXXX XXXX ) he tells me they can do nothing and I will continue to have to pay the MI until it is review and I will not be refunded the MI over payment. It is a 60 day review process. Multiple people have stated Im not at the required percentage but NO one can provide a number. No one can give us an answer. This has been a 9 year battle!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made payments to my american express card that Amex sent back because the payment could not be processed and charged me a {$35.00} fee. This happened three times over the course of 2 months. I had enough on my bank balance to cover the payment to Amex so I spent countless hours with Amex and my bank and finally both of them together in order for them to reverse the fee charges. So it seems that they had returned my payment with a reason and charged me a fee for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have reached out to COMENITY BANK and requested information for two accounts. I have yet to receive a response. 

COMENITY BANK is in violation of my rights as a federally protected consumer. 



accounts : COMENITY BANKXXXX account # XXXX COMENITYBANKXXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One will charge interest for two months in a row if the full balance including new charges isnt paid in full. This was done on two statements and stated by the representative I spoke with.

I thought that was prohibited based on 2009 legislation : Double Cycle Billing and Other Fees Are Prohibited Two cycle, or double cycle, billing ( the practice of calculating interest charges on both the current balance and the previous months balance ) is banned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Bank will not respond to multiple requests to provide access to a safe deposit for the executor. I have left several messages without a response. Today, the banker at their call center disconnected the call after 25 minutes, but before hanging up on my, he told me to go to another branch ( which is not the location of the safe deposit box ) to speak to someone. THIS IS NONSENSE! I had asked him to set up an appointment and declined to do so!! 

I tried to make an appoint on the Wells Fargo site. The selection to make an appointment on the site will not allow setting up an appointment for this reason : This location is not available based on the reason you identified for your appointment. Please select another location or change the reason for your visit. 

This is related to the death of my sibling and is very upsetting. Now I am waiting on the phone once again. 

I need to travel 2.5 hours to the branch at XXXX XXXX XXXX. XXXX, NC XXXX. The branch manager is XXXX XXXX and I have left messages without response. 

This is horrible customer service. 

Update 1 : Spoke to XXXX ID # XXXX. She is very pleasant, but told me that I should email the Regional Manager and expect a response within 48 hours and now being told this call will be escalated. We are within the 48 hour time window now.

Update 2 : XXXX is attempting to contact the branch, but was unable to do so while I have been on the call for 55 minutes and once again, being told I will get a call within 48 hours. I'm speechless.

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 2022-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I got a new phone and had to re-authenticate myself on Coinbase.com. I uploaded my driver 's license as asked and also took a picture of myself. I submitted on XX/XX/XXXX. They promised to give me access within 48 hours. 

My case # is Case # XXXX. 

It is XXXX XXXX, 12 days have passed. I have repeatedly called, XXXX messaged, and emailed Coinbase for help. Everyone keeps saying " they are working on it. '' I need access to my account. Please help me. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern ; I am writing to request a goodwill adjustment to my payment history in regard to the payment that was made on XX/XX/XXXX. Said payment was reversed by Honda Financial because the account that was used marked Closed. 
On XX/XX/XXXX, I added a new payment account, XXXX XXXX XXXX XXXX Account # XXXX, Routing Number XXXX to my Honda Financial Profile. After adding the new payment account, I then went to payment option screen to make payment using the XXXX XXXX XXXX XXXX information. I entered {$500.00} and hit submit. 
On XX/XX/XXXX, I was notified by email that my payment was reversed because of the account that was used was Closed. I was quite puzzled because I would have never made a payment using a closed account. I called XXXX XXXX XXXX XXXX and asked if my account was in good standing. The representative told me my account was indeed and good standing. 
On Monday, XX/XX/XXXX and spoke with a gentleman with Honda Financial who informed me that the account that was used to make the XX/XX/XXXX was a XXXX account that was in my profile. I told him I would have never used that account because that account is never used. I told him that was a mistake and I asked if there could be anything done in regard to my payment history and not to be reported late the three credit bureaus.

I have leased two vehicles with Honda since XXXX and I have almost perfect payment history and I am loyal Honda customer. 
I am requesting a goodwill gesture from Honda Financial to grant me an adjustment to payment history to reflect no late payments or delinquency to the credit bureaus. 
Thank you in advance for your consideration. 
XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: PA

Complaint narrative:
I Tried reaching out to this bureau several times about accounts and inquiries that are reporting on my credit. these are fraudulent accounts! i need this removed as soon as possible!

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 2022-01-19 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: AL

Complaint narrative:
I have written XXXX, Equifax, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Once again Wells Fargo has allowed a scheduled payment that would overdraw my account show they can charge me an overdraft fee. This is a yearly payment that had slipped my mind. I have asked them not to allow such payments but to decline them. I tried to contact the bank about this matter but was told by the automated system the wait time was 2 hours. Wells Fargo does publish an email to send to complaints to. This is the second time I have had to file complaint about this issue.

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 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased a used XXXX XXXX. I paid {$500.00} to hold/reserve the vehicle and {$1500.00} down payment the day I purchased the vehicle. This is a total of {$2000.00} down payment on the vehicle. I have both receipts of the down payment that clearly states the money I paid was a down payment. The contract is invalid as it is inaccurate and writes " N/A '' in the downpayment category. The {$1500.00} and {$500.00} I paid as down payment are not reflected in the total vehicle price and were not subtracted therefore the loan price and monthly payments I have been told to pay are inaccurate. It is illegal to steal my money that was a down payment for a vehicle. It is illegal to write the wrong price on a contract. It is illegal to omit writing the down payment on the contract. This contract is inaccurate and illegal with the wrong information listed. I DID make a downpayment and the contract should have included this and taken this dollar amount from the total price of the vehicle. I have been charged a downpayment and no adjustment was made to the vehicle price, this is illegal practice. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Investigation took more than 30 days
Company: AFNI INC.
State: FL

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
An account was made with crypto currency with my private info I did not authorize this and I contacted crypto support to get the account closed no one has gotten back to me I sent them everything they needed to do as I asked and the XXXX representatives have allowed days to go by without getting back to me on the account closure Crypto.com Crypto app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX XXXX XXXX XXXX XXXX : XXXX Date purchased : XX/XX/XXXX To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 
This is not a refusal to pay, but a notice that this account is disputed. 
Any contact needs to be made in writing, you or your representatives do not have my permission to contact me or my family members via telephone, text or email or any form of social media. 
Per North Carolina State Law, this debt has passed the statute of limitations. With that being said, I can not be sued by you per North Carolina Statute. 
This vehicle was voluntarily surrendered in XX/XX/XXXX in XXXX, NC ) and resold on or about XX/XX/XXXX. 
I am offering a settlement offer to satisfy this account in the amount of {$1000.00}. Upon receipt of this payment in the form of cashiers check or money order, please mark this account paid in full. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Regions Mortgage continues to ignore the letters I have sent them clearly pointing out how they are in violation of two laws that I have proven and pointed out to them on more than one occasion, by stating to me that my dispute letter is a duplicate letter and that they are not required to respond, because this dispute is listed as an exception in section 12 CFR 222.43 ( b ) of the FCRA. Despite me informing Regions Mortgage that the recent dispute letters I sent them is not the same type of letter that they are referring to, they continue to completely ignore my letter alone with the evidence I have sent them that I also have attached to this complaint. 
I informed Regions Mortgage that they violated and are in violation of 15 U.S. code 6802 obligations with respect to disclosures of personal information ( c ). It states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option. I informed Regions Mortgage that the only thing they did was inform me that they may disclose my information to the credit bureaus but failed to inform me of my rights to exercise my nondisclosure option, and I attached the statement that Regions Mortgage first sent me that proves what I said is true, and yet they continue to ignore my letter, falsely claiming that its a duplicate dispute. 
If this was a duplicate dispute letter, Regions would only be showing how they ignorantly refuse to comply with the law. I also informed Regions mortgage that they are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions, it states that a consumer report aka credit report does not include transactions or experiences, and because of these laws, I instructed Regions Mortgage that I do not want them reporting anymore of our Mortgage information to the credit bureaus until further notice, as this is our right as a Consumer under these mentioned laws. I also sent Regions Mortgage two invoices for a total of {$2000.00} for their violation of these laws, stating that under the FCRA remedy law, it is {$100.00} to {$1000.00} per violation, and because of the damages and stressful issues that Regions has put us through, I am demanding the max. 
I need for Regions Mortgage to honor the already invoices I have sent them and honor my instructions to stop reporting our information to the credit bureaus. 
I also attached a copy of the letter I sent Regions Mortgage in the mail that they keep ignoring. 

Nothing Further.

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