vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. 

I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! 

On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. 

I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my PCA pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.

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 2019-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX : PennyMac Loan Services, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. NMLS ID # XXXX provided payoff statement on XX/XX/XXXX for XX/XX/XXXX. The amount was {$190000.00}. 

XX/XX/XXXX PennyMac Services, LLC received the wire transfer on XX/XX/XXXX XXXX  XXXX XXXX has confirmed that PennyMac has received the Payoff ( {$190000.00} ) on XX/XX/XXXX at XXXX EST.PennyMac did not provide a written final payment statement after request. 

XX/XX/XXXX to XX/XX/XXXX Pennymac has not applied for the payments correctly and closed the loan. 
PennyMac has not responded to the written emails.

PennyMac has not provided the final statement and the ETA to release the lien. 

Customer Complaints : Applying your payments correctly, Misreporting mortgage account status to you or to credit reporting agencies, Paying additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: HW Holding, Inc
State: FL

Complaint narrative:
It started with me getting bills from different credit cards with my maiden name XXXX XXXX being used. I closed the said accounts but then I got a colllections notice for a XXXX XXXX XXXX that Im delinquent on a loan/ bill for over {$12000.00}. Ive not used my maiden name since XX/XX/2005. Ive lived with my husband so I have proof that I have no apartment. Im getting a police report. Ive always paid all my bills on time. This is beyond concerning that after having great credit no one contacted me. I have XXXX XXXX from here on out. Please help me try to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
Was unsuccessful trying to contact XXXX XXXX XXXX And aargon agency didn't want to explain why my name is with 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 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I learned of a debt collection on my financial credit report, which is adversely effecting my credit rating. 

I contacted Diversified Consultants, to learn this was for an outstanding balance from XXXX for services I cancelled. I never received a bill from XXXX! I was informed by XXXX XXXX at Diversified, that it was for services prior to my canceling the service. ( Billing in the rears ) I advised I would pay the bill immediately and did so during the telephone conversation. 

I requested that the debt collection be deleted from my credit report and was refused!! Mr. XXXX, not only was rude, arrogant, he provoked me into loosing my temper. 

When I requested to speak with a supervisor I was advised that Mr. XXXX XXXX was unavailable to take my call. I was then transferred to a XXXX XXXX, who also refused to remove the debt collection notice off of my record. Stating it they aren't paid to remove the records. I again, requested to speak to her superiors and was refused stating the the executives do not take consumer calls. 

I feel this is a perfect case of consumer fraud, and this inappropriate business model is adversly affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
For XXXX, I was shopping online and found a site where I went to buy some presents. The total was for {$110.00} on the website XXXX. I put in my order late Friday night on XX/XX/XXXX. When I did not receive any email confirmation, order number, or tracking number within the hour, I started to look into the legitimacy of the website. I found out that it was a fraudulent site that sold credit card information and steals personal information. I immediately emailed the " contact me '' on the site asking for my money back because " I placed an incorrect order '', hoping that they would refund me the money. Of course I received no correspondence back. Fake site, I'm guessing potentially fake email contact and site form as well. 

I immediately called my bank, Santander around XXXX on the same day, XX/XX/XXXX. I spoke with a very pleasant woman and explained the series of events that lead to this. The woman said that she would freeze the card number and issue me a new card, but that I could not file for a fraudulent charge until the charge showed up on my account - it was currently pending and hadn't gone through yet. That was fine. 

I waited until Monday, XX/XX/XXXX, later in the afternoon around XXXX to call Santander back now that the {$110.00} charge showed up on my account. The woman asked me a series of questions such as if I'd tried to contact the vendor myself to resolve the issue, if I had received any good ordered, etc. I answered respectively saying that I sent an email to them but suspected that they were not receiving any emails from a fake site anyway and also had not received any goods or even any confirmation of my order. She put in the claim. 

I received a letter in the mail later in the month ( I forget the date but I think it was the XXXX or XX/XX/XXXX ). The letter said that Santander is denying my claim. I called back immediately to ask why. The reasoning was " buyer beware '' and that I should have had better judgement and used more caution before purchasing goods online. However, this woman was very pleasant to me and said that she would put in a different claim instead of fraudulent charges that would be for not receiving goods. She asked me the same types of scripted questions and said that she would not include " fraudulent site '' or similar terms so that maybe the claim would not get denied again. 

Today, XX/XX/2019, I received another letter in the mail saying that my claim is denied ( Reference Number on the claim XXXX ). I feel like I did all of my due diligence. If a bank is going to exhibit this much apathy for their customers, I'm just angry.

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 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.

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 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated a wire for the amount of {$5000.00} US Dollars from my bank, XXXX XXXX  to my husband 's bank in XXXX, HSBC. The funds did not make it to his bank. After 2 weeks of waiting I decided to cancel the wire and the XXXX XXXX wire department requested a return of funds. On XX/XX/XXXX XXXX XXXX informed me that HSBC involved OFAC and that I needed to answer a series of personal questions for HSBC to release the funds back. On that same day XXXX XXXX  sent the requested information to HSBC. Again, XXXX XXXX asked for the funds to be returned. Everyday after the XX/XX/XXXX XXXX has sent requests to HSBC to return funds and has had no response. On XX/XX/XXXX, XXXX XXXX  informed me that OFAC had closed the investigation but still hadn't heard any responses to the requests sent by XXXX XXXX  to HSBC regarding the return of funds. Today it is XX/XX/XXXX and XXXX XXXX 's wire department has yet to hear any responses. I need my money back now! Wire Confirmation number that XXXX XXXX  sent the wire successfully to HSBC is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is about Discover Card taking too high of a monthly deduction from my checking account. I contacted them and asked for a reduction based on my monthly income from social security after being declared XXXX XXXX due to XXXX XXXX, but all they did was lower my interest for 6 months only. I need a permanent reduction in the amount they withdraw every month in order to survive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc.
State: TN

Complaint narrative:
On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, SIMM Associates did contact me a total of 7 times as debt collecters regarding a debt I allegedly owe. On all of those 7 occasions they did fail to comply with the requirements of Title 15 > Chapter 41 > Subchapter V > 1692g > Section A > Subsections 3 and 4. 

On XX/XX/XXXX, I messaged them stating I wanted them to cease any current or future attempts to collect the debt, report said debt to credit reporting agencies, or contact me regarding said debt. 

On XX/XX/XXXX, SIMMs associates did contact me in a direct reply to my previous message in a further attempt to collect the debt in violation of Title 15 > Chapter 41 > Subchapter V > 1692c > Section c > Subsections 1, 2, and 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Account was paid in XX/XX/XXXX. Credit Systems International opened the account in XX/XX/XXXX. I paid this debt in XX/XX/XXXX. I applied for a credit card and I was denied because Credit Systems International began reporting the debt for the first time in XX/XX/XXXX. One year and 10 months after payment was made on the referenced account. Initial account was sent to Credit Systems International in error due to billing problem from the hospital back in XX/XX/XXXX. I was never aware I had an outstanding payment. The moment I was informed, I paid the bill. I called to inquire about negative reported item. I was told I owed an additional {$190.00} to stop the negative reporting. This is fraudulent and I was told in XX/XX/XXXX I owed {$170.00} which was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out FINANCIALLY, EMOTIONALLY, MENTALLY AND physically continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
I have experience discriminatory lending when the bank chose to deny me an offer me proper mortgage program help. I believe the discrimination is based on race class, property location using credit scoring systems that mask the financial crisis problem, downplaying the circumstances as if its a first time loan approval program, instead of dealing with loan crisis problem that put my mortgage into financial crisis. KeyBank project a broker appraisals report ( opinion ) that set higher than market value than treasury county value that was reported as a lower value. They continue to disregard the criteria for HUD programs that could prevent foreclosure. 

I believe the types of discrimination I have experience have been overt discrimination and malicious disparate treatment. KeyBank have created barriers, making it more difficult in subtle as program that requires evidence of one month of verified income for a mortgage programs for making homes affordable through HUD making me provide more extensive income documents and masking my request for help. By using the mediation as advantage to force credit and income information that shouldve been handle before mediation dates. Making it seem as if they I never had income to qualify for mortgage programs that were available during XX/XX/XXXX-XX/XX/XXXX.  When knowingly KeyBank is aware of the programs that are available. KeyBank chose to downplay the financial crisis program in which could help prevent foreclosure. The lender used the mediation to state the obvious that theres financial crisis and the distress of the loan, however neglecting to provide the program that I qualify for. 

I wanted and expected a fair opportunity for help when I came Keybank XX/XX/XXXX for help, before foreclosure when I was in good standing. Still asking for help that I shouldve have received. 

XXXX XXXX XXXX  XX/XX/XXXX : filing for request for HUD program assistant. I found out due to government Shutdown, I still should have time to qualify. 
Foreclosure Mediation : XX/XX/XXXX Phone conference I express I would seek help the HUD approval for help XX/XX/XXXX : I was told by KeyBank that all program was over. 
- Because of the government program I still have time XXXX XXXX XXXX : XX/XX/XXXX : filed loss mitigation XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours and job change XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours XX/XX/XXXX : Showing the increase and in pay and hours, waiting for employer negotiation period to another increase. 
XXXX XXXX XXXX of XXXX XXXX : XX/XX/XXXX : Went for assist when money that was available. Company XX/XX/XXXX : Filed Loss mitigation file never pushed forward / XX/XX/XXXX : File for assist for Loss mitigation and assistant

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc
State: MD

Complaint narrative:
I have been contacted by " RNN Group '' multiple times demanding the last 4 digits of my social and DOB. The calls began yesterday, they called all day and again today. My Hr Manager explained that we do not provide personal information over the phone and they proceeded to give my DOB/Social which was incorrect by the way. We have asked them to stop calling and they continue to harrass me as well as my staff. The receptionist is being bombarded with calls and they are unable to provide us with reasoning for there calls. The number they keep calling from is XXXX and you can not get a hold of anyone. When I XXXX the number I saw so many complaints about scams from these people. I have no idea why they are contacting me and would like for them to stop harassing me especially at my employment it is causing alot f issues for me here at work. I have no idea they address or who I need to contact to send a cease and dismissal to put an end to this harrasment because if they continue I will need to take legal action.

Company response to consumer: Closed with explanation