vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In the fall of 2018 I noticed that my PC Richards store card had purchases on it that weren't mine. I went into the store and complained and an employee told me that someone used my social to make the purchases. I was upset because they did not require photo ID to approve this transaction and left me with the balance. The employees at the store were of no help so i went to the police to file a report. I was in Florida when the fraudulent purchases were made in New York. I showed the officers my flight itinerary and I was advised not to pay a dime given I didn't make any of the purchases. Now the account is in collections and the balances has risen. they contact me over the phone and send me mail each month.

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 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/2020, a collections representative at Discover ( Credit Card Company ) placed a call due to missed payment. 

At this time, and today, the credit card only belongs to me. There are no additional phone numbers ( other than mine ) or authorized users on this account. 

I'm assuming through some form of skip research they manage to acquire my husbands phone number and call him due to a payment that I had missed. He relays information later to me that day that lets me know they did the following - They not only disclose that I've missed a payment, but they tell him balance, what is owed, and schedule 2 payments with him through MY checking account that is on file for XX/XX/2020 for {$120.00} and XX/XX/2020 for {$130.00} without my knowledge because they " couldn't get a hold of me. '' That payment came through today on XX/XX/2020 for {$130.00} after realizing that had taken 2 payments on those scheduled dates. When calling to inquire, the representative that I spoke with today ( via customer service I believe ) informed me that it was in fact ME that had spoken with them on XX/XX/2020 and that it was not documented anywhere that they had spoken with a third party. 

This caused my bank account to go negative and cause me additional fees, and stress. I am also newly XXXX  and this did NOT help when I also have new XXXX bills to pay. 

I informed the representative I spoke with today place a cease and desist on my account and note that authorization to speak with my husband is not permitted, because even though he's not on the account, clearly someone disclosed everything for their collections bonus. 


The snapshot details will include the amounts of the transaction, as well as a {$28.00} dollar late fee they informed my husband they would refund to me after that phone call on the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have been trying to work with them and all they do in give me the run around. I recently uploaded a third party authorization as well for my counselor so he can help me save my home! They refused to speak to him over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and realized I have 4 unauthorized credit inquiries. Equifax has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to XXXX  and Equifax and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM EXPERIAN AND XXXX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.

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 2020-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, Pennymac mortgage cancelled the homeowners insurance with XXXX XXXX  a XXXX company. Pennymac never contacted me regarding the insurance cancellation, I did receive a letter from Pennymac stating that my escrow accout needed additional funds and that my mortgage would increase from {$1800.00} to {$2000.00}, I sent three payments of XXXX, each to satisfy the deficiency and those payments were misapplied. I found that out as I received a letter from Pennymac stating that my next mortgage payment would be {$6400.00}. 
When I called to inquire, I was told by the CSR that I didn't have homeowners insurance, that was XXXX of XXXX, at that time, I hadn't had coverage for more than 6 months. 
I began investigating and discovered that Pennymac sent a check for insurance for my property to XXXX in the amount of XXXX. The annual premium that I had with XXXX was {$1100.00}. The check for the premium that was sent to XXXX by Pennymac was returned in XXXX by XXXX. Pennymac never contacted me to inform me that they accidentally or in error caused the insurance on my property to be cancelled. 
When I finally got someone from Pennymac to respond, I was being charged almost 4000.00 for an annual premium and forced by Pennymac to pay for it. I have since then covered by property, but Pennymac refuses to respond to my letters or reimburse me for not being covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: LA

Complaint narrative:
I sent a transfer to one of my suppliers in XXXX. my bank XXXX  XXXX   sent the funds to hsbc XXXX XXXX. using hsbc usa as the intermediary. hsbc usa has not release the funds not have they answered multiple attempts to locate or recall the transfer. it was sent the XXXX of XXXX and I still do not have any information. My bank and myself have tried multiple times by email and phone to get information on this transfer and we have not gotten a response in over 20 days. After the transfer in question i sent another transfer the day after and it went through correctly. So my transfer information is correct. to recap. we sent one that was held and sent another the following day that went through successfully. they have the exact same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX store guard is playing games with my credit report they issued a credit card in my name put it on my credit report which was never open my me what I do not have any knowledge of I contacted XXXX XXXX this send me a letter saying that they don't know what number is the crate guard and if I can help them write the credit card number so they that they can re investigated yes you're hearing it right the bank that issued the XXXX XXXX doesn't even know the number hes asking the consumer to send his credit report or the credit card number so that they can investigate I personally think this listing should be immediately removed and XXXX XXXX should be been allies to for putting a fake account number on my

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I tried to call XXXX and they would not accept my call because I was not a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: SC

Complaint narrative:
The accounts and inquires listed on my credit report I did not do.

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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
After reviewing my credit report and finding a balance owed by a past rental company, I reached out to them XX/XX/2019 to find out what the balance was for. I was told that I an additional balance after departing the premises. Before leaving the premises and turning in any property owed items, a walk through was taken by myself and manager of the property. I was told, I would forfeit my deposit and nothing else was owed. Five years later, I receive an alert from my credit report. When I spoke with the property manager and asked why wasnt I informed about the debt supposedly owed. She stated because there was no corresponding address listed, it was put in my old mailbox, Which is on their property. Thats was not correct because my mailing address has never changed which is associated with a family members home. Ive always used my mailing address on any application Ive completed. I also asked why wasnt I informed by email or phone. She stated theyre not required to do that. There was no damage in the unit when it was turned over to property manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: PA

Complaint narrative:
I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. XXXX XXXX XXXX  calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.

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 2020-02-05 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:
XXXX had a collection account for XXXX XXXX for my son ( account number XXXX ). I am XXXX XXXX XXXX. Even though this was not my liability, I paid the collection. But I disputed it with the three bureaus explaining that it was not my account..NOT MY LIABILITY and that I wanted it removed from my file. 

XXXX  and XXXX XXXX complied and removed the item. Experian has left it on my file. It should have never been on there to start with

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 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I noticed a collection that does not belong to me since I have never done any business with the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: MA

Complaint narrative:
This is a complaint against Truist/Suntrust Bank. 

I opened an account onXX/XX/XXXX it was closed on XX/XX/2020 without explanation. 

The initial letter indicated that I had initiated the closure of my own volition. This was obviously not true. I called immediately that morning and essentially got an unclear answer from a rep named XXXX. First I was told that this was due to me not funding the account, however at this point the account had been only open a week. Then when I confronted the rep with the letter she stated, she could not see it. She then contacted the back office who said my account was closed due to their terms and conditions. When asked for which specific terms none could be cited. I again asked about the letter and how me not asking to close the account could be a case of fraud. The bank refused to even investigate At this point I became suspicious. The account had been opened without issue ( no XXXX XXXX or XXXX  denial as such ) and why would there be I have never bounced a check or been delinquent on anything in my entire life. I had one letter stating I had initiated the closure and another stating I violated terms and conditions of the bank without citing what terms I had violated. This was exceptionally strange since again the account had been open a week and not funded. 

I called back after receiving the letter, and was transferred to Client Solutions  and spoke to a woman named XXXX. I brought up concerns that this closure could have been discriminatory in a nature ( given that there was no activity in the account itself and the conflicting reasons now for closure ), however she could not say with certainty this was not the case. I still have no explanation as to why the account was closed. I told her that I was going to file a CFPB complaint and she encouraged me to do so. 

I do believe Suntrust has a legal obligation to accurately report a reason for the closure. I have 2 reasons for the closure at this time - neither of which make sense.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, an unknown person or persons opened fraudulent XXXX accounts using my credit card issued by HSBC. The first charges, on XX/XX/XXXX, were small ( {$1.00} and {$14.00} ) and I missed them when I reviewed my statement. The next FIVE charges, made on XX/XX/XXXX and XX/XX/XXXX totalled {$3500.00}. I IMMEDIATELY called HSBC and notified them that these charges were fraudulent. I also called XXXX and they confirmed that the accounts did not match any information on my legitimate XXXX account and were considered fraudulent charges. I also notified HSBC of this determination by XXXX. The HSBC representative told me to submit in writing the charges I was disputing and if they could not determine them to be fraudulent, they would charge me interest on the charges, which I would be expected to pay. 

I made a spreadsheet of the disputed charges, with dates and transaction numbers and sent that information to HSBC at the address they provided to me. I also paid the legitimate charges on the account and immediately stopped using the account. HSBC closed the account and issued new cards, which I have never used. 

The statement received the next month ( ( XX/XX/XXXX-XX/XX/XXXX ) showed all charges had been cleared and they determined they owed me an additional {$540.00}. I requested that amount to be refunded to me and planned to close the card account. The next statement showed the {$540.00} refund and a balance of {$0.00}. The NEXT statement, dated XX/XX/XXXX, showed that three of the disputed and previously settled charges had once again been charged to my account and that I now owed {$1500.00}!! I immediately AGAIN contacted HSBC, talked with three people over the course of an hour and they now say they will " look into the matter '' but that I owe them this money, plus any interest accrued while they " try '' to settle this case. 

I DID manage to cancel the credit card during the course of these conversations, but still have had no word as to how their internal bookkeeping can not seem to settle this case. The three charges are clearly three of the charges I sent to them on my spreadsheet, dated XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent a request to Experian on XX/XX/XXXX to investigate and substantiate incorrect information in my credit file. Experian responded and noted the information confirmed and accurate. I followed up on XX/XX/XXXX per my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency information within 15 days. Instead of Experian complying with my request, I received three STALL LETTERS. They have failed to correct my file within the required timeframe, and I demand that all invalidated information be immediately deleted.

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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM XXXX AND EQUIFAX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My charges for USAA VISA BEGAN XX/XX/XXXX PER USAA. I am a victim of ideninity theft needing to verify A VISA card. When USAA was asked to provide how this Visa was Opened and By Whom The attatched MASTERCARD end XXXX XX/XX/XXXX. was sent to me. I then ask So if Visa was an old Mastercard that USAA coverted to Visa AS USAA TELLS ME and Was Not used UNTIL 4 YEARS AFTER OPENED IN XX/XX/XXXX. Why wasn't it CANCELLED DUE TO INACTIVITY. The average of which is 6 months average in the industry to cancel after inactivity. AND FRAUD CHARGES BEGAN THE VERY MONTH I BEGAN USE? I GUESTION HOW SAFE WAS THIS MASTERCARD/ VISA INACTIVE FOR OVER 4 YEARS CARD WAS THAT WAS NEVER CANCELLED FOR INACTIVITY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation