vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am a consumer and on XX/XX/2021 I sent Victoria Secret Consumer Relations Dept a letter pursuant to 15 U.S.C 1692g asking them to send validation of alleged debts, they have been reporting, falsely & inaccurately ; but they have yet to respond. They have been violating my rights as a consumer causing damages to my credit, reputation and mental capacity by communicating inaccurate, false, and misleading information about me.

Under Penalty of Perjury, Victoria Secret is in Violation of the following : Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692g - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692e ( 8 ) - False or Misleading Representation. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 168
1a ( 4 ) - Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681a ( 2 ) - ( 2 ) Exclusions. the term consumer report does not include ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681b ( 2 ) - Permissible purposes ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
MM Svgs acct ending in XXXX was opened XX/XX/2021 per the bank 's promo code XXXX, which required depositing {$10000.00} into the account and maintaining that balance for 60 days, after which a {$100.00} promo bonus would be deposited to the account. Initial {$2500.00} deposit made on XX/XX/XXXX. Cust Svc Rep supervisor XXXX said on XX/XX/XXXX ok to make balance of deposit within a month. I made {$7500.00} deposit on XX/XX/XXXX and maintained the {$10000.00} balance till XX/XX/XXXX. I sent a Secure Msg using People 's United Bank online system on XX/XX/XXXX asking when {$100.00} promo would be paid to my acct. Received response next day that Cust Svc Rep would contact me. On XX/XX/XXXX CSR XXXX told me promo would not be paid because {$10000.00} deposit was made in two parts. I stated that requirement was no where in the promo Terms and Conditions and requested {$100.00} promo be deposited to my account. No action was done by the bank to meet this request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hello, i am in the group of people that was ripped off by XXXX XXXX. I have been fighting and waiting for the loans to be discharged for over 10 years. I have gotten emails from companies that have said that I am in the group that should have the loans discharged do the court case. and now I see that Biden just approved more money to help students out with this for-profit schools. I have serval emails from various lawyers and other companies that said they would get this moving but with little action.

I have been paying what I was told to at a min and most are on the national emergency forbearance that ends on XX/XX/21.

This has killed my credit score and I need to get this cleared up as promised. and if possible get back the money that I paid into the loans as well. 

Please see attached pictures and feel free to call me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
on XX/XX/14 I made a call to Trans Union and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with XXXX XXXX XXXX. Back in XXXX  I disputed the account as no knowledge of account and mandated that TransUnion not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!

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 2021-07-14 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently filed disputes with all the credit reporting agencies and it hasa been well over 30 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: NJ

Complaint narrative:
I asked if I would be able to refinance my FHA mortgage with Gateway Mortgage Group LLC. Im currently on forbearance and they stated they would not refinance my mortgage as part of their rules. I asked for a letter stating guidelines while on forbearance first they stated they will not send any letter, and also stated, we will mail it to you. I have not received any kind of rules/ guidelines. Also, they are premiering to the credit bureaus that I have missed payments due to the pandemic and they have not fixed it. They are charging me late fees and any money that I have paid to my mortgage they have not applied to my balance. I was informed by phone that my mortgage was sold to XXXX XXXX and have not received any letter stating this action. When I asked they said it was mailed XX/XX/2021 and I spoke to XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Apparently Synchrony Bank recently sent emails to all of their customers stating they are changing their process of delivering their statements/bills to all of its customer to electronic delivery only unless you opted out. I did not received these notifications for whatever reason on some of my accounts so I was not able to opt out of receiving them electronically. So in turn I never received my statements to know my bill was due. Which caused me to miss payments on two of my accounts with them. I called them once I received notification they were past due and got them taken care of and they even waived the late fees due to my good payment history. I have had some of the accounts since XX/XX/2012. Then all of a sudden I am getting all of these letters in the mail they are closing all of my accounts with them due to bad payment history or whatever. I tried calling them and asking them why they were doing this and why they were reporting this to the credit bureau and destroying my credit report. They said they do annual reviews of accounts and decided to close all of mine and report them to the credit bureau. This is not right at all. They have absolutely destroyed my credit history with this complete XXXX! I realize I have a lot of unsecured debt but I pay my bills and I pay them every month on time. They are doing this to a lot of people. I know personally they have done it to my mother as well. These people need to be investigated for their business practices they are destroying peoples lives. They are just looking for ways to make up $ for all they lost due to people not making payment due to Covid and it's not right. What are people supposed to do? What if they never got the email or the letter in the mail? I guarantee you will be getting a lot of complaints about this. I don't care the accounts are closed. I am glad they are. I will never ever do business with Synchrony Bank again! I do however want my credit report fixed to show I closed the accounts at my choice and I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield Inc at XXXX XXXX XXXX XXXX XXXX fl XXXX  has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
The processing order in which Regions Bank chooses to process transactions causes the members excessive overdraft fees. 

I was charged six XXXX  overdraft fees for one transaction that put my account in the negative.

Regions is stating that there were 5 transactions pending when the actual transaction was completed that caused the account to go into the negative. I am not disputing one XXXX  fee however I am disputing the five additional NSF fees, as my account did not truly have NSF, as all of the transactions had already cleared my account at the time of the one XXXX  XXXX  XXXX  that caused my account to be overdrawn.

Regionsprocessing order of transactions is not timely and there systems do not reflect pending transactions causing excessive overdraft fees. This is a known problem with Regions and I was informed that a new process was being put in place due to customer complaints. 

My account is over dra

wn XXXX  in NSF fees when only one trans action was made to cause the account to be with drawn. The total in my account today is negative XXXX. I made a XXXX  XXXX  XXXX  on XX/XX/21 causing the acc
ount to be negative XXXX.

At the time of the XXXX  the other 5 transactions that Regions is claiming caused additional NSF fees, were already clear in my account and paid out of my own balance. And that is reflected in the screenshots. All 5 transaction the bank is claiming were pending on XX/XX/21 already showed posted to my account. Furthermore the amounts of those transactions are not reflecting in the XXXX balance I owe outside of the XXXXs in overdraft fees. Meaning the bank never covered those charges due to my account being non sufficient. 

I dont not understand how I can be charged 5 nsf fees when the account was not non sufficient. 

Please help. I can not afford these fees and I do not owe the additional five fees.

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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Since XXXX XXXX 2021, I have made multiple attempts to get Loan Depot to drop my PMI due to my home appreciation in value. On XX/XX/XXXX I sent in an official email requesting my PMI removal, the PMI responded back on XX/XX/XXXX with a denial letter asking me to provide more information. I have done so, I have sent in detailed info about all my major remodeling, all the major structural changes with reciepts and images. It's been 2 month I sent multiple emails asked for managers to call me back and Loan Depot has yet to call back or provide any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Key 2 Recovery, Inc.
State: GA

Complaint narrative:
on XX/XX/14 I made a call to XXXX XXXX and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with Key 2 Recovery. Back in XXXX I disputed the account as no knowledge of account and mandated that XXXX  not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled

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 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit was removed from my credit file due to ID theft 2 years ago, they went in and added it back to my credit report, they have been harassing my family and friends, this isn't my account, that's why it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a Graduate student loan with Citizen 's bank in XX/XX/2021. The representative on the phone gathered my personal information as well as my father 's ( co-signer ) and filled out the document " Student Loan Application/Promissory Note '' with all of the details we discussed. However, the representative filling out the document mistakenly checked off the box for " No deferment/Immediate Repayment '' even though it was made very clear that I would like to defer my loan since I do not graduate until XX/XX/2021 and will not have the financial means to pay it back. Although it is true that I did review and sign this document myself, I had trusted that the representative had filled out the form correctly. In addition, the box that was " checked off '' with the X on the document was filled-out electronically. So the " X '' wasn't even in the box! It was misaligned and hovering above the box, making it very easy for someone to miss! 

Citizens bank uses XXXX XXXX to handle loans in re-payment. So last month I was notified that I had to repay my loan starting XX/XX/2021. When I called XXXX to ask them about this, they said that this could be corrected as long as my school sent them a signed document stating my graduation date. I was told this would ensure loan deferment until after I graduate. Several weeks went by and I noticed on my XXXX account that I was still required to pay back the loan on the XXXX. I called again, XXXX confirmed that they received the document from my school, and they assured me that it would take several business days until I would see the deferment status on my online account. Today XXXX XX/XX/XXXX ) I noticed that I still had a payment due on the XXXX. I called XXXX and that's when they told me my request for deferment was actually denied because when I filled out my citizens bank loan document, I was the one that checked off " No deferment/Immediate repayment '' which is a false assumption because the representative at citizens was the one that made this mistake. 

So I called citizens bank today so straighten this out, and they told me that there's nothing they can do because I was responsible for reviewing the documents before signing them. But how can I do this when the check marks on the document are not clear? And shouldn't representatives be competent enough to not make huge errors like this? What they should do is pull up the recording of that phone call and hear me tell the representative that I want to defer my loan. They should honor my original request and take accountability for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Nelnet, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation