vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX. My complaint is regarding Victorias Secret and a denial for credit card. I received a denial letter, which I have the original documentation and pictures of it. The denial for the Victorias Secret store credit card indicates refusal of my submission for Victorias Secret credit card as No current record of completion of a 4 year college. IS THIS LEGAL? Please let me know how to move forward as I am a U.S, California born citizen, Im NOT on a school XXXX  program. How can I get denied for a Victorias Secret credit card when I have several years of work history and own my own condominium? 
Please advise @ XXXX or XXXX XXXX, XXXX XXXX in XXXX XXXX, Calif XXXX. 
Thank you, XXXX XXXX P.S. again I have photos and original documentation sent to me from Victorias Secret

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to fix the issue with the credit bureau and they continue to report unverified and inaccurate data on my credit file.

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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC claiming that I owe {$350.00} which is incorrect. I have tried to communicate with this company but they refuse to acknowledge the errors of this account. For the past 5 month I have tried to resolve this and they refused to correct there reporting on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been sending my payments to Shellpoint Mortgage directly from my bank ( XXXX ). My bank shows that it was delivered with a reference number, but Shellpoint is not posting to my account, and I keep getting collections calls, and my credit has dropped over 122 points. I have sent them proof of payment, but I get no response. Every time I call I get a circular message, I leave my number for a call back and I don't get a response. I sent XXXX, XXXX, and XXXX of 2020 and they are not posting. I am stopping the automatic payments until I get the previous ones posted. This is not right and an abuse of my character and credit score. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I once had a Money Market account with United Bank Which was recently transferred to Peoples United Bank. I have been having difficulties with them ever since, and have been trying to transfer my money out of the account and close it. 

I was told I am not allowed to transfer my money out of my Money market account which is unjust given it is my money. I was transferred over to three separate times to account specialist that never answered. I just spent 2 hours of my day trying to do this and have been getting the runaround. At this point, I don't trust this bank and I'm seeking assistance retrieving the funds that I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC
State: CA

Complaint narrative:
Hello, I was in the process of getting financed for a loan when this account appeared on my credit from Apex Asset Management - Account XXXX XXXX. I immediately reached out to them and to date- I have not received a response back however the account was verified as being my debt according to XXXX  CREDIT Bureau . I never was informed of the debt before it was placed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: HW Holding, Inc
State: OK

Complaint narrative:
My spouse and I both have been writing to Hunter-Warfield for years disputing a debt that they have. My spouse who is totally XXXX was injured at an apartment complex. I wrote the collection agency and never got validation of the debt and advised them to cease and desist. Despite this, this agency continues to violate the Fair Debt Collection Practices Act and refuses to acknowledge any of my communications. They continue to call my cell phone numerous times of day via an automated attendant. I answer and no one is on the phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I, XXXX XXXX, had reported this crime to XXXX police in XXXX, online report completed on XXXX XXXX, and am submitting more detailed information below as being requested. 
I received an email from Capital One bank that an overdraft fee has been charged on my checking bank account. When I logged in to enquire what's going on, I noticed many transactions over last 10 days starting XX/XX/XXXX to XX/XX/XXXX withdrawing money from my account, none of which were done by me. I immediately informed bank and they froze the account. 
On talking to Capital one bank representative in person, I came to know that bank sent a debit card to our old address in texas ( XXXX XXXX XXXX, texas XXXX XXXX ). That debit card was never requested by us and we were not informed that it was being sent. We had no idea because we had stopped living at that address for 4 years and had moved to XXXX and XXXX XXXX. That replacement debit card was activated by someone on XX/XX/XXXX as per bank record and all fraud transactions were done with that card from XX/XX/XXXX to XX/XX/XXXX. The transactions were done at following addresses : XXXX XXXX, XXXX, TX on XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX We reported this crime amounting to loss of nearly - {$4000.00} to XXXX police online reports system on XX/XX/XXXX. Please help us. 
Bank is not helping and avoiding this by all means. Bank is trying to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
This complaint is directed at Guaranteed Rate Inc ( GR ). GR originated my mortgage in XX/XX/XXXX. They sold my mortgage to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I was instructed by GR to submit my XX/XX/XXXX payment to GR and that it would be forwarded to XXXX. As of XX/XX/XXXX XXXX had not received my XXXX Payment. I called GR and was sent an email stating that the payment had indeed been forwarded. I fought XXXX  for another 3 weeks before following up with GR. On XX/XX/XXXX I was informed via email that the XXXX payment had not been sent but that it would be included in the next wire. The email informed me that the payment would be reflected in my account in 5-7 business days. After nearly 3 weeks the payment had not been credited to me. I left GR multiple voicemails requesting a call back ; they would not return my calls. Finally on XX/XX/XXXX I spoke with a supervisor who informed me for a second time that the payment was not forwarded despite prior assurances. Finally on XX/XX/XXXX ( 73 days since XXXX  took over my loan ) I am finally seeing progress in getting credited for my payment. The past two and a half months have been nightmarish and indescribably stressful. GR showed negligence in its initial handling of the transfer followed by complete indifference to my hardship. I have emails, documents and points of contact to support the above narrative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a business account on XX/XX/2020, I did this because I had a personal account with them. I made a total of 9 deposits the same day, 1 ) {$100.00} cash, 2 ) 8 checks totaling approx {$850000.00}. I sent online banking with no problems, XXXX at the XXXX XXXX XXXX in XXXX, FL called me Monday and stated they need a few more documents. Tuesday XX/XX/2020, I went to the Branch to give XXXX the requested documents. On Wednesday XX/XX/2020 I was unable to log into my online account. I Called and spoke to XXXX, she stated the bank decided to terminate the banking relationship on my personal and business account. I asked why and got an " I don't know ''. I asked about the 9 deposits and when I can come in and get a bank check. She stated she would call me. Well I waited a couple of days, then decided to drive there and speak to her. She stated that the bank sent the checks back to the maker. I was dumbfounded!!! WHY??, I asked, she said she doesn't know. This was  XX/XX/2020. I tried to call customer service the same day, was on hold for ever, finally got a representative on the phone explained the situation and they refused to speak to me. On XX/XX/2020, I called the maker, they stated that they never received anything from TD Bank, in fact the checks cleared their account XX/XX/2020. On XX/XX/2020 I went to the branch, only to be told I had to make an appointment and it had to be made online. On XX/XX/2020, I submitted the request, received an email confirmation, stating a representative would be contacting me to set up a day. Today is XX/XX/2020 and I have yet received that phone call to set up the appt.. Because of this I decided to file this complaint along with a XXXX  complaint. What TD Bank doesn't realize, is that our banking relationship is not completely terminated, not until I get my money back. This is sickening with what they do to any consumer, it's especially disturbing with the Covid-19 destroying businesses and TD Bank is right there with Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: MD

Complaint narrative:
Trans Union refuses to delete a cancelled debt after I had sent in several times to their company the letter from IRS that states the account has been cancelled. The beginning of the month I sent all documents and called on XX/XX/XXXX to dispute the status of an old account. This account has been in dispute more times then I can count. The company sent a contract from XX/XX/XXXX to the credit bureau and they refuse to accept the document I provided from the IRS or re investigate. I Have called everyday this week and they refuse to give a name and keep telling me there is nothing they can do call the company. and I have been on the phone since XXXX XXXX  today and they still have me on hold after telling me they could not understand me or what I was calling for. it is now XXXX XXXX  and they refuse to pick the phone back up as I am patiently waiting to see how long they keep me on hold for. Yesterday I called at XXXX XXXX  XX/XX/XXXX and they were rude and again same thing. Refused to hear me out and kept insulting me and interrupting me. I asked for another agent to clear up our confusion of miscommunication and was hung up on.

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 2020-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern : Please accept this letter and the accompanying documents as my registered complaint regarding the Mortgage FICO Score XXXX  calculation and scoring methods used by TransUnion XXXX XXXX XXXX XXXX and their detrimental impact on the consumer. 
A cursory review of the included information will establish the following facts ; A ) My TransUnion ( TU ) Mortgage FICO score on XX/XX/2020 was XXXX, my TU Mortgage FICO score on XX/XX/2020 was XXXX and my credit profile only improved between the two TU Mortgage scorings. 
B ) Our new refinance loan costs have increased substantially since my lowered TU Mortgage FICO score dropped us in a lower pricing tier. We are now paying a portion of a point and our Private Mortgage Insurance ( PMI ) rates are higher. 
C ) The reduction of my TU Mortgage FICO score runs counter to the TU & Fair Isaac ( FICO ) consumer facing published Credit Score guidelines. 
D ) I did file a TU Investigation Report on XX/XX/2020, of which a copy is included herein, however their online system states a decision will be made by XX/XX/2020 and the results mailed. I have tried numerous times to call the TU Customer Service line but I remain in an endless queue.

E ) The immediate TransUnion-recalculated FICO Score financial impact to our family totals {$3400.00} in additional points and PMI premium not to mention the longer term impact of this issue over the 30 year life of our loan. 

Furthermore, if I would have somehow caused a negative credit event or should TU just determine that my overall credit profile had worsened, then one would assume that my TU FICO Score versions would all have dropped. Right? I mean, when one compares my XX/XX/XXXX TU FICO Scores to the XX/XX/XXXX TU FICO Scores, TU is implying to certain potential creditors/TU Score vendors that I am just as good a credit risk on XX/XX/2020 as I am on XX/XX/2020. 

Adding insult to injury, if I theoretically visited 2 auto dealers on XX/XX/2020, I could get a competitive auto loan rate if the dealer uses the TU FICO Auto Score XXXX  but I would receive a punitive auto loan rate at the second dealer assuming they used TU FICO Auto Score XXXX. In this example, I suppose I should have gone auto shopping on XX/XX/XXXX when both TU FICO Score versions were better representative of my Credit Profile.

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I was not ever contacted or notified in any way by this debt collections company. 
I all of the sudden saw a huge drop to my credit score, which I work very hard to upkeep. 

I have no letters or voicemails of information on this debt in collections except the little information I found on XXXX XXXX. 

No one will answer the phone at their company and there is no way for me to access their online assistance without a reference number which I obviously do not have since IVE NEVER BEEN CONTACTED BY THEM.

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 2020-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
On XX/XX/XXXX, I found out my old mortgage servicer sold my loan to PHH Mortgage Servicer. When I went to submit my first payment, PHH charged me an extra {$7.00} " Draft Fee '' that I could not avoid. They expect to steal an extra {$2300.00} from me over the life of my mortgage.

I tried to contact them but they had adjusted their customer service hours without any notice to loan holders or mention of their adjusted hours on their VERY outdated website. 

I requested a refund of my {$7.00} and am pursuing a refinance to get away from this terrible company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I usually would have my cards secure but have been homeless for two yrs with no address for a new card the last time i had a child support card would be 2011 so am wondering why i havent been able to get a new one. Also where do i find the balance of the amount on my old cars

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 2020-04-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX  and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX sent me a letter in my complaint saying they are reporting to experien. I have included it with this dispute!

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XX/XX/19 southwest credit syste. this debt is not belong to me, ... .it is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Carvana Group, LLC
State: CA

Complaint narrative:
While exploring a loan process with Carvana after being burned by another outfit I asked to outline the process for a lemon vehicle and how the consumer is relieved of the financial process when the car is deemed unfit for the road. 

The only thing she repeatedly stated was to purchase GAP insurance. How is GAP insurance a good thing for consumers being held in liabilities they can not substantiate and why am I being sold this as a result of buying a bad car? 

The agent refused to quote the contract agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue

Company response to consumer: Closed with explanation