vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dividend Finance Inc.
State: CT

Complaint narrative:
My partner XXXX XXXX XXXX XXXX and myself ( XXXX XXXX ) purchased a two-family home earlier this year and shortly after were contacted by XXXX  XXXX  offering us their services that were financed through Dividend Finance. While we felt the salesperson was pushy and pressured us to sign the contract, we still believe purchasing solar panels are a good decision for us. 

Dividend Finance 's contract with us noted that project funds would only be disbursed approximately 60 days after the solar panels were installed. However, Dividend Finance 's protocol in ensuring that panels are installed is problematic. Namely, Dividend Finance will fund projects without confirming with the borrower, but only the contractor. According to Dividend Finance, a project is considered " installed '' as long as the solar panels are on our property. That means, even if the solar panels installed are defective or installed incorrectly, Dividend Finance considers this a completed installation and funds the project. In our case, XXXX XXXX incorrectly installed the panels, such that there is no reasonable way to expect them to work as intended. However, XXXX XXXX told Dividend Finance that the project is complete and now the projected is funded. I have contacted Dividend Finance twice letting them know this issue, however they said as long as the panels are on the property, that is considered an installation. However, as a consumer, I believe it is not unreasonable to expect that an installation would constitute a " proper installation '' and not simply placing the panels onto my roof. 

A quick XXXX Search or search on the XXXX  will show that this issue is rampant with solar loans issued by Dividend Finance. 

I hope that CFPB can investigate this situation and make sure that other consumers do not get affected by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I opened an account in TRANSFERWISE LTD ( https : //wise.com/ ) in the name of the company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX with the email XXXX. 

In XXXX XX/XX/XXXX, they contacted me, to tell me, they were going to close my account. 

The account had a balance of {$15000.00} usd, which I requested in XXXX XX/XX/XXXX, to be transferred to a bank account in the name of XXXX XXXX  XXXX of the XXXX XXXX XXXX  XXXX 

In XXXX XX/XX/XXXX, TRANSFERWISE LTD, told me, through their support service, that on my refund, transfer # XXXX, had been completed on XX/XX/XXXX. 

The transfer did not arrive, the receiving bank says they have not received that money. I have requested the transfer receipts, the fedwire or imad code on many occasions by email, but I have not received any response from TRANSFERWISE LTD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have wrote bridge crest letting them know that my account says open when it is closed and reporting on my credit report. I also advised Bridgecrest that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.

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 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX  account Synchrony has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
I have a personal loan with this company. 1 ) They will not allow me to do any type of extension on a payment without " renewing the loan '' and taking out more money. I had to do that back in XXXX of 2022. I did not want more money, I wanted an extension for a payment. 2 ) they will not allow me to change the due date of the loan. As of right now, my due date is the XXXX ( or XXXX ) of the month. I have explained a couple of times that the first of the month is when every single thing I owe is due, but they will not change my due date, they just say " pay more next time ''. If I could double up my payments, don't you think I would? And 3 ) I have repeatedly asked them not to call me, I wish to have all communication in written form via US Mail. But, today, XX/XX/XXXX, only 1 or 2 days after my due date, not even waiting for the grace period, they started calling me again. So, my requests to the CFPB are : please tell them to stop calling me, ask them to kindly change my due date to the middle of the month and give me an extension on a payment when I need it instead of making me sign a new loan and give me more money. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-10-03 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: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Radius Global Solutions LLC
State: KY

Complaint narrative:
While in the process of purchasing a new home, my loan officer notified me that Radius Global Solutions reported a delinquent XXXX XXXX XXXX XXXX in the amount of {$2000.00} to my credit report. I called them XX/XX/2022 to dispute the debt. I let them know that I currently have XXXX XXXX XXXX XXXX, so there would be no way for me to have a delinquent bill. I was transferred at least three times and was hung up on by a manager. He told me that there was nothing they could do for me because I didn't have the account number associated with the account, although I provided all information as reported to the credit agencies and listed on my credit report. 

On the same day, I mailed and emailed a letter requesting they verify the debt and provide proof they are authorized to collect the debt. On Monday, XX/XX/2022, I received a letter addressed to the debtor, but in my care and sent to my work address. I never provided my work address. I never provided my maiden name but that was also included in the letter from Radius. Also, the account number listed on my credit report is does not match the account number on the copy of the bill provided. 

The letter provided XXXX for me to call if I have questions or comments. After calling, however, I was directed to leave a message. I left a voice message detailing what I am reporting to your agency. They provided message confirmation # XXXX. The recording provided the website whistleblowerservices.com if I wanted to make changes to my message. 

I left the following typed message : I initially requested Radius Global Solutions, LLC verify the debt and proof that they are authorized to collect this debt. They have yet to send the requested information, but sent a copy of the debtor 's bill ( which disclosed his mailing address ). Additionally, my letter never identified me as the person responsible for handling the debtor 's bill ( letter was sent in debtor 's name and in c/o ( my first, maiden and last name ) ; the account number listed on my credit report is XXXX, while the account number in the mailed correspondence is 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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am behind on my mortgage Payment and I plied for the Virginia Mortgage Relief. The whole process started around XXXX and both, PennyMac Financial Services and Virginia Mortgage Relief have not be able to communicate about my loan. I have suggested, for 4 months, for them to call each-other because their server communication is not working. When I call PennyMac they told that they email Virginia Mortgage Relief the B files sometimes on XXXX. When I called Virginia Mortgage Relief they said they have not received the file. But they have send several emails requesting the files, again. I called Penny Mac they said they have not received Virginia Mortgage Relief email. Every time I called they blaming each other and nobody is able to fix the problem. I have asked for a 3 ways call with both parties but PennyMac does not take third Party calls. It is clear that one of the company or both are having problems with their communication devices but nobody admitted. I am tired, I have call these companies more than 10 times. I need somebody help because they dont care what is happening with their server and the one not being help is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). XXXX, XXXX, and Transunion should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to E Oscar for verification.

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 2022-10-03 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: CA

Complaint narrative:
XXXX broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). Equifax, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Shellpoint Mortgage sent me a threatening letter that they would put forced place condo insurance on my home. I called them and supplied documentation showing that my home is not a condo. It is a single-family home. They documented the call and told me that they would resolve the issue and even sent me a confirmation email, a few weeks later I received another letter. I called again and was told I see your documentation here and we will get this fixed right away, another letter came, another call, another promise to fix. I said if this is not fixed after multiple calls and documentation provided to you, I will have to file a CFPB complaint, today I received a letter that the forced place insurance has officially been added to my mortgage. I live in a single family home with no homeowners association, so would not be able to obtain HOA insurance. This is unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
COLLECTION ( HALSTED FINANCIAL ) IS CLAIMING PAYMENT ON PURCHASED ITEM THAT WAS PAID FOR OVER XXXX YEAR AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CA

Complaint narrative:
transunion states that they did corrections and now it's updated but obviously they didn't because I still see the same errors on my credit report and nothing was changed!! let 's get this right once and for all ... if there's errors and inconsistencies on my credit report you have to delete ... .or pay {$1000.00} per violation...

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 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Have spent countless hours attempting to pay mortgage and all attempts have failed. I routinely made mortgage payments using online payment system until XX/XX/2022. Without warning, the online system was modified so that manual payments failed and automatic payments failed, with no recourse. This led to a missed payment. Company removed the ability to chat online, and phone calls were placed on interminable holds and disconnected. There was no way to complete payment, thus forcing customers to pay fees. On XX/XX/XXXX, I was forced to travel to physical bank location, and double payments were processed including extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a XXXX XXXX chase credit card that offered XXXX miles with qualified purchases. I received an email stating that the application process could take 30 days and I would receive notice by mail. I never received any notice by mail since XX/XX/2022 and the XXXX mile offer has expired. When I called Chase they want me to apply under the current XXXX mile offer but I should get the original XXXX that was offered. my credit score is over XXXX. Thank you for your attention in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
My complaint is with Bank of America. I travelled in XXXX over the summer. One of my flights was cancelled and the airline in question owed me money for a hotel I had to stay in. They requested to send the money via international wire to my bank account. I opted to use my Bank of America account as it is one of the primary accounts I bank with. I provided them with the wire information which I found at https : //www.bankofamerica.com/deposits/wire-transfers-faqs/ along with my identifying details. The airline wired the money- it posted in my checking account on XX/XX/2022 in the amount of XXXX. A few days later, I noticed that a wire transfer fee of XXXX $ had also posted that day. I called the bank to investigate ( this was around Monday the XXXX of XXXX ). The associate told me she believed that the XXXX $ charge was due to a separate transaction on the XXXX ( which was in fact a recurring monthly XXXX to XXXX XXXX XXXX  that had never been charged a fee before ). I initially accepted this explanation, but then after hanging up, I looked back at past examples of that XXXX and saw no fees charged. 

I then checked the fee schedule published on Bank of America 's own site at XXXX : XXXX which they link to directly from the previously mentioned page and refer to as the " Online banking service agreement '' ( under the FAQ section " Can someone wire funds to my account at Bank of America ? ). A search for the word " inbound '' on that page has only 4 hits, none of which explicitly mentions a fee. A search for the word " international '' turns up 9 hits, none of which mention a fee. 

I then called them again on XXXX. I explained the situation to the associate and he offered to try to get a refund of the fee but this was denied. I told him I would be filing a complaint with the CFPB. 

Screen caps of all of this are attached to this complaint.

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