vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I have always made my payment through their phone payment system, selecting to use the last account on file. 
I recently chose to use the online version to pay the bill. It gave me the same option to use the last account on file to pay the bill. I did so. 
Four days after I authorized this payment the returned and said the account was invalid and it was returned. 
Upon calling I was informed that the account was found invalid and a fee was charged. The fee was unable to be waived as it is a customer driven website. That no changes could be made to the page except from the customer. 
When asking to speak to a manager to this regard, as I didn't enter any account information, I was transferred to XXXX. According to him reference ID XXXX. He answered the phone extremely aggressively and disrespectfully. Instead of trying to assist me, he only tried to show why I was wrong, instead of showing me why this happened or for that matter what even happened. 
Then when I started asking questioned, he admitted the account in question had been deleted, once it was returned. Meaning the account that is only 'customer driven ' does have effecting factors outside of the customer. I was asking to see when that account had been added, which he responded the system deleted it. I said I wanted to see how it was an an option that I could select, if I hadn't entered it. His response was he provided sufficient proof and the charge was valid. When he didn't provide any proof. 
When I asked why it didn't use the account I used last, he stated that the phone and the online systems are different. How am I supposed to know that as a customer that they have multiple systems just to handle my personal account. They are all simply my account. 
Then he chose to end the call instead of explaining this to me. 

On a separate note, he kept referring to me as a customer, instead of a guest, which I thought was their whole mantra. 

So I feel this is a gross negligence of the Fair Credit Billing Act ( FCBA ) https : //www.ftc.gov/sites/default/files/fcb.pdf. As they are charging me a fee without showing me how this happened or justifiable proof how it happened. I asked for them to show me the account in question, instead only offering the last three digits. I asked for them to show me when an account other then the one I used on the phone service was added to their online platform, and was refused this. I simply selected to use the previous payment method, which is the same process I use on their phone service, and now not only are they refusing to take my payment to that end, they are also hitting me with a fee, that was caused by their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX Account was placed on hold because checks that my daughter deposited one was for a loan payback and the other was for funds she thought she was helping a friend consolidate funds until she opened her own account turns out that both of these checks one in the amount of XXXX for the loan owed and XXXX turned out to be fictitious checks because she was not authorized to write checks on one her parents account. And the other check was also deemed to be fictitious, and so they were returned. We were told XXXX that the bank made the decision to close all of the checking accounts. Which they did not they left my account open. Even though there was no loss to the bank we have a verified balance of XXXX on the XXXX account this account has been on hold and funds have not yet been released back to us. Every time we call we are placed on hold or the account services department is closed. It has been well over 30 days. I have educated my daughter and consulted with the family that is involved. Now we want the account closed and her funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I asked about the available rate for an equity loan of {$50000.00} ( they initially offered over {$100000.00} ) ; and XXXX XXXX refused to answer. She refused to transfer me to someone who could. She hung up on me after being unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: GA

Complaint narrative:
Transunion may be in violation of the FDCPA 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1692j. I did not give Transunion any written consent to furnish anything on my individual report. According to 15 U.S. code 1681, no consent is identity theft. In addition, there is no debt as the consumer credit transactions arise from my credit card, therefore, the info on my individual report is furnishing false information.

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I applied for a loan through Quicken Loans in XXXX and ended up getting approved for XXXX. I found a house in midXXXX and the closing process started. I signed every document they sent my way including the contract ( I was prodded multiple times to do so over the phone despite my hours being in question ), put down {$1000.00} in earnest money, paid for a {$500.00} inspection and was about to switch my address over. At that time, I received a call from one of the underwriters who stated she couldn't approve the loan due to my hours at work. I work full-time for XXXX but we can't get scheduled XXXX hours because we would go into overtime and this seemed to be the issue. I get scheduled around 36-38 hours/week. This should have been caught during the pre-approval process and I should have never gotten that far. I asked Quicken Loans to compensate me for the money I lost paying for the inspection and they denied the request. I believe this is the very least they can do for me after going through that exhausting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
Scam letter from intercontinental Capital Group Inc, located at XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX. Website XXXX. phone number in the letter which is posing as an invoice or statement and spam deceptively looking like they are servicing my current loan which has been identified as benefiting fromXX/XX/XXXX, and tells me what you need to do is to call their office before XX/XX/XXXX with the notice number in the letter and understanding XXXX enhancements, and the letter had no return address on it which is deceptive, and mentions XXXX XXXX County notice of enhancement which is attempting to look like official government business or like my current mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX/XXXX 2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Received summons to appear in court on XX/XX/2021. I called Credit Corp to find out what this was about and why I had not been notified of this earlier. Credit corp said I was served papers in XXXX last year. Claim I was served by placing on my door. I never received a phone call or letter till the XXXX summons to appear in court. I send a letter Credit Corp to verify my signature and have received no paperwork with signature. Been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Tax ID # XXXX Credence Resource Management is using fake names with their off shore call center. They refuse to give ID # for the business as well as refusing to give address for call center so you can file an international complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
my last loan payment To Kia Finance was made twice due to automatic payment withdrawals, They refuse to refund the remaining amount since XX/XX/2020 2020

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 2021-03-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX Payment never late XXXX  XXXXSubmitted XXXX XXXX Not mine or No knowledge of account XXXX 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 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: QC HOLDINGS INC
State: OK

Complaint narrative:
9 hundred and change unsure on the amount I have set up arrangements on for today did not go through since payday is today or tonight. Anyway I was called by structure settlement company first to my job telling me they spoke to my employer but willing to give me a chance to settle I asked not to call place of employment today i was working and unable to answer my phone I review voice mails 2 actually stating they reviewed reciting and payment came pack nsf well not true because I set up on my card. They he tells me they take those nsf payments very seriously in a very loud and threatening tone. I will pay my debt but I do not appreciate the threatening voicemails or leaving my personal info on a voicemail. Or calling my employer. If the want to garnish go ahead I will pride fax information for them to send in the right way! This is un acceptable

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 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Applied for loan XX/XX/2021 in the amount of {$16000.00}. 

Loan Offer was extended and I accepted the offer. 

Upgrade could not provide documentation to e-sign or sign. Although, a Truth in Lending and other disclosures were provided. 



They would email me a link that when clicked it would take me to a page that says, We're something went wrong, please try again later or callXXXX 

This issue was escalated multiple times. New links were emailed to me and access was attempted on other computers, browsers, phones, their XXXX XXXX, all resulting in the same error. 

This was escalated at least 5 times and was never resolved. 

I expressed interest in accepting their offer and they could not provide access to the " to do '' list so the loan could be finalized. 

Today, I received an email indicating the offer has expired. 

This is frustrating, because I applied for this, accepted it, provided bank account information for funds to be wired to, and they were supposed to be resolving this issue. Instead they didn't. It is almost is if they provide fake loan offers, string you along, just enough, until your credit score drops after inquiring. 

I made multiple attempts to resolve this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
When this debt first appeared on my credit reports I advised that I did not open an account with Nordstrom. I sent letters back in XXXX and XXXX. No one has been able to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc.
State: MD

Complaint narrative:
I am being victimized and harassed by debt collector, FH Cann & Associates. The company is harassing me by calling my neighbors regarding my past due student loan account. Two of my neighbors have reported to me that they have received calls from this company and told them that I need to call them to resolve a " personal matter. '' Of course, my neighbors surmised that this was a debt collector. The most recent call was on XX/XX/XXXX. 

The company representative who made the XX/XX/XXXX call is XXXX XXXX. The number she left is XXXX. I explained to Ms. XXXX that I am contacting the student loan lender to negotiate the issue. Previous calls were made in XXXX. 

Please find the contact information for FH Khann below : F.H. Cann & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I requested that the mortgage servicer, Select Portfolio Servicing accept a deed in lieu of foreclosure due to the death of my husband ( we had been separated and living apart for 10 years XXXX. The loan had been XXXX through bankruptcy. My request was approved in XX/XX/XXXX. I submitted all of my documents. After a few months of not hearing anything, I inquired and the delay was blamed on COVID. After numerous phone calls and being told different " stories '' I contacted my county representative for help in XX/XX/XXXX. His office contacted Select Portfolio and a week or so later I was contacted to set up a meeting with a notary to sign the documents. I signed the deed transfer and all other closing documents on XX/XX/XXXX. After not hearing anything for weeks I began calling SPS to get an update. I was told to vacate the home, which I did. The grass still needed to be mowed. The electricity needed to be on for the sump pump, etc. I was told I was still responsible for the property until the transfer was recorded by XXXX XXXX. I kept calling for updates and was given different responses as to what the delay was caused by. Finally, months later I was told that the package was sent to XXXX Co on XX/XX/XXXX and we were waiting for XXXX XXXX to respond. I told the SPS that someone may have been vandalizing the property and I thought it was unfair that it was my responsibility. In XXXX, I was told by SPS that the property had been secured and winterized on XX/XX/XXXX. Still no word about why the delay. In XXXX, I contacted XXXX XXXX and was told that the package was received by XXXX XXXX on XX/XX/XXXX but it was most likely rejected because XXXX XXXX was not behind. I kept calling SPS and found out that the package was rejected, missing a POA and was sent out again XX/XX/XXXX. I am still waiting for this deed in lieu and transfer to be recorded so I can move on. I feel that the delay is deliberate for some unknown reason, or even if not, this is unacceptable that I am receiving no explanation. I feel I have been caused excessive stress and I deserve an explanation from SPS. As of today, XX/XX/XXXX, the deed has still not been recorded. SPS representatives have told me the property is my responsibility until the deed is recorded and they can offer no good explanation of why this is taking excessively long. It has been 1 year and 2 months since the deed in lieu was approved. I also wanted copies of the signed documents which I was told I can not get until the deed is recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 I purchased tickets for an event that was later postponed due to COVID 19 and I did not receive a refund and I was not able to get my bank to help me out.

Company response to consumer: Closed with explanation