vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Back in late XXXX early XXXX I placed a furniture order with XXXX XXXX. I was notified several times of the products shipping being delayed. I had planned a trip out of the country but unluckily they called the day before my departure to let me know the product was finally ready for delivery. I called XXXX XXXX the same day to notify them that I had planned to leave the country. They advised me to call the delivery warehouse direct. I did so but was not successful getting someone on the line. I proceeded to leave for my trip to XXXX as planned the next day. Unfortunately while I was in XXXX I had learned I was XXXX  and immediately had complications. I have been a XXXX sufferer of XXXX most of my life and have never been able to carry. I was put on bed rest due to a XXXX XXXX. I suffered XXXX  and XXXX XXXX throughout my entire XXXX you see and did not have the capacity to deal with XXXX XXXX at the time. After I was finally allowed to return back to my country and had recovered physically and emotionally I tried to reach out to XXXX XXXX to explain the situation. I wrote their corporate office as well and did not receive a response. Whomever I did speak to eventually opened a dispute. I guess someone determined store credit was sufficient. I obviously do not feel the same. If XXXX XXXX did not delay their shipping numerous times there would have been no issue. This has been reporting with all the credit bureaus and is keeping me from buying a home. I am not obligated to pay this debt and XXXX XXXX is lacking serious integrity by reporting this with the bureaus. They have not lost anything as I was never delivered the furniture while I suffered a tremendous loss and now I am being held accountable for goods I did not even receive. The debt company is working with me to try and resolve this as even they are sympathetic to my situation. Please help me resolve this once and for all. In order to hold me accountable for this debt they should have to furnish proof of delivery. they can not do that since I did not receive the furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I've tried multiple times to resolve my complaint with PennyMac Loan Services but they continually fail to do so. Their " Priority '' Complaint Specialist, XXXX, will say anything to get a problem to go away and refuses to acknowledge all of PennyMac 's negligence. When applying for a highly time critical purchase loan for an investment property, the company failed several times to properly and timely communicate, additionally to accurately address my file. The company filed to accurately review my file, did not respond five ( 5 ) times during an open application during this critical time period - it was not until the sixth ( 6th ) attempt that someone did return my call. Most recently another team member, XXXX ( XXXX ) XXXX, was to also to contact me to further discuss this matter. Naturally he never called. Very typical for PennyMac. I don't see how this this company has a license to lend or really do anything. There are laps and failures at all levels. 

Never properly reviewed my financials, never contacted me with any questions, and later I found out that they double counted a mortgage payment and my auto payment. - Note that XXXX called this ( multiple times ) a " Complex '' review. 
Six ( 6 ) attempts to reach someone during my application. The first five ( 5 ) were never returned. XXXX refuses to acknowledge this ; probably to the gross negligence that it was on their part. 
No other company who reviewed my financials had any problem and even said I could qualify for much more. 
Only declined after I have filed complaints. Retaliation by PennyMac.

Unfortunately they caused me critical time that significantly impacted me financially in addition to a great deal of stress. 
Most recently another team member was supposed to contact me. NEVER called. Not that I expect anything different from him, just continues to show the character and lack of leadership at PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I currently have a mortgage with Wells Fargo Home Mortgage. I've had this mortgage for 12 /12 years, which I am trying to refinance since I divorced my wife and it's a stipulation on the divorce decree. The home is worth close to {$700000.00}, the amount left on the note is approximately {$270000.00}. I started the refinance process back in XX/XX/XXXX and Wells Fargo keeps asking for documentation that I have provided time and time again. Back in XXXX my now ex-wife and I filed for bankruptcy and the bankruptcy was discharged in XX/XX/XXXX. The bankruptcy doesn't even show on my credit report anymore, but since my ex-wife 's name was on the current mortgage, I was asked to provide a copy of the divorce decree that showed that she didn't have any interest on my home. Wells Fargo keeps asking for documentation on the bankruptcy, which I have provided, which at this point is irrelevant, and XXXX XXXX, the so called Home Mortgage Consultant keeps ignoring my e-mails and phone calls. At this point I know that this is discrimination, because when I was married to my ex-wife who's XXXX, we had no issues with Wells Fargo Home Mortgage, but now that it's only me, who I'm a XXXX person, I get no responses and keep getting ignored.

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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
From the years XXXX XXXX XXXX American express Students loans And collection have been assigned to my credit report, I've sent in numerous letters to get all these fraudulent accounts removed and no real investigation is ever carried out! 

Accounts are continued to be related, I want all accounts I have disputed removed from my report permanently. It is a complete conflict of interest for companies to continue to make money reporting fraudulent data and the credit bureaus who are suppose to protect the US CITIZENS OF THIS COUNTRY CONTINUE TO ALLOW IT TO HAPPEN NO MORE!! 

I expect immediate deletions after these complaints to the bureaus bosses. I trust you will understand the rage and frustration in my letter being the bureaus have been ruining my life for years with these fradulent accounts constantly reporting knocking my credit scores down monthly further setting me back from financial opportunity, health care etc. Please rectify this immediately it has brought me great stress and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have 3 accounts through Comenity bank - Wayfair, XXXX and Victorias Secret. I have contacted Comenity Bank on multiple occasions to release the cease and desist order on my accounts, after having to seek an attorney for prior issues with this company. I have sent them a written, mailed letter AND I have sent a letter via the message portal through my account login. Every time I call back to verify the letters were received, no one can locate them. I need to arrange a hardship payment plan due to COVID 19. Comenity Bank is now preventing me from bringing my account current all because they do not have an effective method of receiving items they ask for. Please pull all the calls associated with this request and you will see that Ive been calling for months now. RIDICULOUS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On Friday XX/XX/2020 I tried to temporarily lift a credit freeze from my Experian report. The website would not let me access this. I spent approximately two hours online and on the phone trying to get help for this. Online would not let me enter the website to do this. The customer service number is just an automated computer. It would not give me a person to talk to, and then it hung up on me. I looked up a phone number on the " XXXX XXXX XXXX XXXX  '' website. I finally got a person to talk to me. They said they were getting me a free membership so that I could sign into the website. I gave them all the information they asked for. Call center was in the XXXX and I had a hard time understanding the person. He said I would get an email in 5 to 10 minutes giving me access to the site and allowing me to select a password. I never got an email. On Saturday I went to the website again and put in my username. I got a screen that said I had to call a telephone number. When you call that number you get a computer who will not give you to a person and then hangs up on you. It is now Sunday and I have been given the runaround for 3 days now. Isn't it illegal to prevent me from accessing my security freeze?

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 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
On or around XX/XX/2020 HP Sears has added a collection to my account without any notifications. This collection has previously been removed from my credit reports for not having served the proper documentation as well on or around XX/XX/2020 and XX/XX/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 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I received a notification today from the credit bureau that a collection was added on my credit report in the amount of $ XXXX.I did not receive any dunning letter or written notice nor phone calls allowing me a chance to dispute the validity of this debt before being placed on my credit 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 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with BOA they had originally agreed to remove the delinquency.

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 2020-10-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already disputed this account with experian and they refuse to remove it even though I have shown proof that this account is not suppose to be showing on my credit file any longer. I reached out to these bureaus back in may and sparked an investigation. This account has already been removed from 2 of these credit bureaus and experian refuse to provide documentation to verify how and why they are still reported this account. It is my understanding that all three bureaus are to report the same information once an account is reported other wise it is inaccurate and must be deleted from the repository. These accounts were already requested and removed from XXXX  and XXXX  and they need to be removed from experian 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 2020-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Dear CFPB, Attached you will find a Qualified Written Request, Complaint and Validation of Debt Letter and Truth in Lending ( TILA ), RESPA Request I sent Shellpoint Mortgage Servicing on XX/XX/2020, served certified mail. 

There have been numerous instruments and documents recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX, at the XXXX XXXX County Recorders Officewithout my consent, from many Entities unknown to me. As of today I have not received a response back from Shellpoint to my demand letter. I hope now that I'm reporting this complaint to you, CFPB, Shellpoint will come with clean hands and provide documented proof to validate the alleged debt and to answer to the QWR, TILA and Debt Validation from someone with first hand knowledge, authority and under penalty of perjury. 

respectfully, XXXX XXXX XXXX XXXX POA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  XXXX XXXX did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with XXXX  they had originally agreed to remove the delinquency.

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 2020-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Goal Structured Solutions, LLC
State: NJ

Complaint narrative:
I have a student loan with the XXXX XXXX of Philadelphia. This school no longer exist and they have a pending lawsuit for fraudulent transactions. My mom and I did not know that we signed for private student loans and this has been a disaster. The lender I use to have that serviced the loan was XXXX XXXX XXXX and now the loan was sold to another company called Launch Servicing. I was able to go on an income based plan with the old lender, which was helpful. This new company Launch Servicing refuses to put my me on a income based plan when I specifically told them I can not afford the payments. Ive asked them if I can reach the lender directly to work something out, and they refuse to give me the number. They said the lender doesnt offer any other plan besides interest only plans. This is a tough time and I cant understand why I have to pay for a loan with a school that is now closed for fraud. There should be a better option for me to make my payments.

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 2020-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had an auto loan thru TD auto financing. I traded in the car at XXXX XXXX and got another car thru XXXX XXXX XXXX financing. However, the XXXX payment for the TD bank loan went thru automatically. XXXX told me TDBank would refund me the {$320.00} once the car loan and sale went thru. This was in May after numerous phone calls to TD Bank I was told that the check would be sent. Many conversations were done with XXXX XXXX at TD finance. It is now XXXX still no refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I sent out a certified Dispute letter to the Debt Collecter company FORTIVA that was received XX/XX/2020. In this letter I asked them to validate this debt in question. They gave me no response to my dispute. I sent this letter with a return request receipt so I have clear evidence that the received my correspondence. When I called the company and asked to speak to a supervisor they told me that they did not receive a letter from me regarding a dispute. Under the Pursuant to the Uniform Commercial Code and the Fair Debt Collection Practices Act they are required to respond to me within 30 days by law. The supervisor tells me that they have 90 days to respond during their investigation which is false. And to add insult to injury they told me that they responded to me after I called them a second time to make my complaint. I have all the evidence of my certified letter that I sent along with my return request receipt should you need it for your records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I would like to order my full report from XXXX XXXX, XXXX XXXX, INNOVIS. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
To whom may concern, I went to one of the XXXX locations at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for wire transfer money to my family overseas. I personally counted my cash 3 times before the arrival of the location. I was also the only one who touched the money before giving it to the owner of that business. I handed the exact {$20000.00} cash in a combination of {$100.00} and {$50.00} bills to the owner who runs this business. He first told me that he has a " Special way '' instead of going through the Moneygram system. I asked him what that means, he responded with he could make this transaction off the book so IRS won't know I have such a transaction. He then took my money and secretly counted it by doing it in a blind spot of all cameras and didn't let me look at it. He then put the cash into a cash counting machine and told me that I only gave him {$15000.00}. That's {$4400.00} MISSING. I confronted him and wanted him to see if there is any miscount, but he insisted that this was the exact amount and denied that he stole my money. I called the police then the police checked the camera and told me that they couldn't really tell anything because the camera didn't catch anything due to he was hand counting it in a blind spot before put it into the cash counting machine. I need help!! We can't let this happen!! I want my hard-earned money back!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: NY

Complaint narrative:
Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.

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