vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
My hsn account was transferred from XXXX XXXX  to synchrony bank. Before it was transferred, the account balance was hundreds of dollars lower. Even though the balance is wrong, I have made several payments that they have not posted. They have cashed all of the payments except three that were returned to me indicating they have no account to apply the payments to. I was never sent anything in writing ( like a statement ) from synchrony. So I have no account number if it did change. Also, I was never notified that the account was being closed by either bank. They just closed the account and increased the balance considerably.

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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Dear Commonwealth Rep ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX applied for a mortgage refinance with rocketmortgage.com and approved on XXXX with a lock rate of 3.375 % plus 0.75 % points. 

By XX/XX/XXXX all required paperwork was completed and we ( wife and I ) were awaiting a closing date, they initially had an anticipated closing date for XX/XX/XXXX. But since then the company has continually missed the lock rate date and reset the closing process further out since the rate had to be recalculated each time. 

In all we were given about six or more more possible closing periods and they missed closing by each one ; about 2 in XXXX, 2 in XXXX, and 2 in XXXX and now they have in the last 3-4 weeks not moved the closing along so missed the lock period for XX/XX/XXXX. 

I have spoken to them by phone, email, message board and online chat over a dozen times now and each time they apologize and say they will get the process issue solved and each time they have not been able to follow thru. 

This has been the worst experience I have ever had during a closing! It appears their hand off between the departments are failing and no one is taking responsibly to fix the process. Today is XX/XX/XXXX and I still have not been given a closing date, even though it been about 10 days since we last was told we should be all set to get a closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Statewide Mortgage, LLC
State: KY

Complaint narrative:
XXXX XXXX  at Statewide Mortgage lying to clients and not returning phone calls, text or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: TX

Complaint narrative:
Since XX/XX/XXXX when I opened my account, Discover Card has been charging my account for a payment protection plan which was unauthorized. I was charged over {$1600.00} not including interest for this fee. When I called to inquiry about this fee I was  told that I signed up for it in XXXX when I opened the account and they would only refund me {$360.00}. They also said they give its customers 30 days to review and dispute charges. I take responsibility for not viewing my statements as I should, but just because I didnt review my statements it doesn't make these charges legitimate. When I checked my statements, I noticed it only goes back as far as XX/XX/XXXX and it was opened in XX/XX/XXXX ( 1 year 5 month difference ). I think that is weird because I have another credit card and it shows my statements from when I opened the card in XXXX and I had that card 2 years longer than the Discover Card. I researched it to see if others were having the same issues and they were! Many people are saying that Discover placed this payment protection plan on their account without their authorization. So, I reached out to Discovers Executive Office on XX/XX/XXXX and XXXX was my case worker. I explained everything to him and he said he would get back to me within a week. He called back on XX/XX/XXXX ( a little over 2 weeks from when I called ) and said that I did sign up for the payment protection plan when I opened the card, the charge was on my statements, and I was sent a yearly newsletter ( separate from the statements ) reminding me of the charge. I didn't recall seeing any newsletter, so I asked him when was the last time I received it and  he said XX/XX/XXXX. My response was send me a copy of the newsletter I was sent in XXXX ( 6 months ago ) and something showing that I signed up for this in XXXX. He replied that he could not because that was a long time ago and his records dont go back that far! So, I said since you cant show me then who can, he said no one! So if you could see I signed up for it in XXXX and that I received a yearly newsletter in XX/XX/XXXX, how you cant show it to me when you just said you seen it. Im not just going to take your word for it. He kept going back to the statements. But, he even admitted that he dont check his statements. Furthermore, it being on the statement doesnt mean that I signed up for it. They cant prove I signed up for it. I did a XXXX  claim ( # XXXX ) and XXXX was assigned as the case worker. I asked him for proof that I signed up for this charge, and he ignored my request. I want a FULL refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have disputed a medical debt that ARS says I owe. I have repeatedly requested in the last year documentation and signatures to verify this information. The company has refused to provide anything after several attempts at communication and dispute with the CRAs including XXXX XXXX as well as directly. According to the FCRA this is a violation of federal law to continue to report this inaccurate information. I have not been to an ER. This has adversely affected my credit my score and my interest and my ability to obtain credit. I am again requesting any and all documentation and or signatures that claim I am responsible for this debt if not I would like it removed immediately or action to be taken in the form of a a lawsuit and or fine.

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 2020-09-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When we tried to apply for a mortgage with XXXX on behalf of myself and my mother ( XXXX XXXX XXXX ) we were told that Equifax had her listed as deceased and was therefore unable to process her credit report. 

We spent at least two hours on the phone with Equifax on XX/XX/XXXX and were finally told that the problem would be rectified within 30 days, and that we would receive a letter that confirmed that the issue had been addressed. 

On XX/XX/XXXX, it had been over 30 days. We had not received a letter that said that the problem was resolved, but we called to inquire about the status. Equifax said that she is no longer listed as deceased in their records. 

Unfortunately, when XXXX XXXX  tried to then run a credit check on my mother to proceed with her mortgage, she is still listed as deceased. They have not resolved the problem, and everytime we ask XXXX XXXX  to pull her credit ( three times now ) her credit is dinged as a result. 

Most frustratingly, we have been trying to resolve this with Equifax but they either insist that it is resolved or say that they are the wrong person to help, and pass us on to the next operator, who is also unable to address the issue. We have been on the phone with them non-stop for five hours straight and still nobody can help us. 

Equifax is not able to address the problem after 30 days of them incorrectly listing XXXX XXXX XXXX as deceased, and they have terrible customer service who are incapable of addressing the problem so just pass us on to the next person who also can't help. As a result of their incompetence, my XXXX year old recently unemployed mother is unable to move ahead with selling her apartment and purchasing a new home, which she needs to do for economic reasons. It has been weeks with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I lost my job in XXXX, XXXX and did not find new employment until XX/XX/XXXX. When I resumed working I contacted my lender and we worked out a repayment plan for me to catch up on the payments I was behind. I attempted to apply for a permanent loan modification to catch me up and enter into a stable payment. I was told my hardship was not resolved however I was back to work and it had been resolved. I hired XXXX XXXX Firm to negotiate with my lender a modification. On XX/XX/XXXX I contacted my lender and was put on the CARES forbearance plan due to my income fluctuating while I adjusted to the new restrictions. On XX/XX/XXXX I again spoke to XXXX XXXX and my income had become stable. XXXX XXXX called and spoke to XXXX ID XXXX who advised that the past due would automatically be deferred and I could begin my prior payments in XXXX. The legal assistant was told that I would have to call because a third party could not take me off the forbearance and move forward with the deferral. I called and was told that I needed to send a full loss mitigation package. I had applied and received a homestead tax exemption lowering my payment about {$1400.00} annually. I was told that I would be able to get a deferral and start paying again and now the process may take months increasing my debt. my servicer told my representative something but had me call to offer me something else and I was mislead and given inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
You have illegally been calling my job since XXXX. I have not authorized you to call me at my job or does my company allow it. My company has keep all the records of your phone calls. I will take legal action if need be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I took advantage of a balance transfer offer with Barclay 's bank credit card. Shortly after requesting the transfer I noticed one of the receiving bank 's account number was wrong. I requested they stop or reverse the transaction, or make the transfer to the correct account number. It took a week to get someone on the phone to report the issue, although I used their " secure message center '' that seems to provide only canned responses. They continually said it would be escalated to the correct department with a resolution, first in 1 week, then it would be 2 weeks, then it would be a month. After 2 weeks, though, they tried to close the complaint and said it could not be re-opened, but would have to file a new complaint. After following up, they advised the matter was closed! It then was re-opened only this time for yet another 30 days. Within this interim and after more than a month, Barclay 's agreed to temporarily credit the account during investigation. They were uncooperative and seemed to want to wash their hands of what they consider a completed transaction. After almost 3 months and no resolution, I contacted the Delaware Banking Commissioner ( DBC ). The result was Barclay 's  contact the other credit card bank to verify the transfer. Barclay 's was told by the receiving bank that the account number was " a '' valid account, but did not verify it wasn't mine ( so now someone else has had a transfer credit to their card with my funds ). The DBC shared with me their reply, provided me with the transaction numbers used for Barclay 's transfer to the other bank. I also was told that I should give this to the receiving bank so they can located the funds. Barclay 's again, washed their hands of the issue, posted the funds back to my account lowering my available credit, increasing what I owe and finance charges, and now reports to the credit bureau an incorrect usage of my card that has a negative affect to my credit score. Upon contacting the other bank, the other bank could not find any transaction of this amount on or about the respective dates, but they said they would look into it. Next, a series of requests from the other bank ( XXXX, where I have 3 accounts and best they verified was none of my accounts received the funds ) for more information from me including the erroneous account number that I do not have nor could obtain from Barclay 's, and proof of payment by Barclay 's that they won't supply. I am at a loss. Further details with conversation logs are in my attachment. Over the years, I was licensed under various state Department of Financial Regulations and have never seen something so incompetent or treated with such disinterest and lack of customer service.

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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: IL

Complaint narrative:
IN TRANSUNION COMPANY RESPONSE LETTER TO CFPB, TRANSUNION SAY THE PUBLIC RECORD WAS VERIFIED.TODAY I WENT TO THE UNITED STATES BANKRUPTCY COURT, THEY TELL ME THEY DONT VERIFY ANY PUBLIC RECORDS. SO CAN TRANSUNION EXPLAIN TO ME HOW THEY ARE VERIFING THIS PUBLIC RECORD, I DONT THINK PACER IS THE ORIGIAL SOURCE.

610 ( a ) ( 1 ) ( 2 ) and 610 ( B ) FCRA [ 15 USC1681a ]

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 2020-09-08 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: I.C. System, Inc.
State: TN

Complaint narrative:
IDENTITY WAS USED BY SOMEONE ELSE

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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/20 I received a Loan Estimate stating that I was getting a Lender Credit in the amount of {$10000.00}. When I finally closed on XX/XX/20 there are no Lender Credits showing on the Closing Disclosure dated XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
I dispute the closing of complaint # XXXX. 

This was not closed by me and the complaint is still accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I received a voicemail from private investigator XXXX XXXX-he left message on my phone, my daughters phone, my moms phone and my husbands phone. I called back XXXX spoke to mr.XXXX he said XXXX is a PI doesnt work in office. XXXX said the they are collecting a debt from hsbc bank he stated a paper was mailed to me 45 days ago & I never responded. I told him I Never received anything. He stated I am being sued and need to pay {$2900.00}. I told him I dont recognize this- he said they would settle for {$1400.00} today. I told him I have no money no job due to COVID he put me on hold to ask his boss lower amount to settle.said $ XXXXtosettle today but balance on card is only {$500.00}. Stated they are suing me and my court fee Id have to pay is $ XXXX $ XXXX+other fees! I researched go ligation group and see previous people reporting they as scammers. I Told mr. XXXX I need to receive paper not just by email. He said no because he already sent a paper 45 days ago, I told him Again I Never Received it! Forcing me to pay today only!! Help me please

Company response to consumer: Closed with explanation