vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XX/XX/2018 GM Financial Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
i have not been able to access my account at us bank since XXXX bank says its on hold for review i have spoke with branch manger he said there are no information except its on hold the branch manager the staff also staff at other branches of bank and about 4 times over the phone requested for more information and to contact me either with phone or email and still my last contact last friday she said she will go ahead and request info and i told her i have done that more than few time it has been requested several times i asked her i know you can call some one in us bank system and tell them whats happening she said i only can request more info my full name is XXXX XXXX cell number XXXX XXXX XXXX i have a checking and saving account i have been paying monthly fee and intrest rate on my checking reserve line i have lost over {$1300.00} for not being able to do bussiness at and for my work such as direct deposit and being unable to purchase things for my work and every day life.i need to find out why us bank has left me hanging like this

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 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

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 2019-11-25 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-11-25 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: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2019, my husband accessed his payroll companys website to determine how much his paycheck on the following day would be. He noticed that he could not see his paystub, which was unusual. He tried to contact the payroll company and was unsuccessful getting answers to this oddity. On Friday ( XX/XX/XXXX ) he did not receive his direct deposit. He informed his employer and his employer issued him a paper check. He used the mobile deposit function of our shared account with Simple Bank ( parent bank BBVA Compass USA ) to deposit the check. That evening, a message was sent to our mobile app notifying us that the funds from the check were being held and would not be available for five business days. I called the bank ( Simple ) and informed them that I understood mobile deposits carry a higher risk, but that if they would a ) look at the history of deposits, this deposit aligns with the direct deposits received every Friday from the same company and b ) a phone call could be made to the issuing bank to verify the deposited check. Furthermore, during my phone call I was informed that {$200.00} of the deposit would not be made available after the first business day following the deposit. For clarification, this deposit nor our account meet the requirements of exceptions to funds availability as outlined in Regulation CC 229.13. The check was not previously returned, it is not a new account ( neither the account the check was written from nor the account the check was deposited into ), the check was less than {$5000.00}, nor did the check/account meet any of the other exceptions provided for in regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received an email on XX/XX/19 at XXXX XXXX from Synchrony bank that " a trial deposit has been successfully made to your ''. I received a second email at XXXX that " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER ''. I attempted to log into my account online but was unable to access the log in screen. I attempted to call several phone numbers, none of which are work expect one that sent me to the Lowes credit cards. That operator tried to send me back to the numbers that I have been calling that do not work. This is a high yield savings account that I do not use at all. there should be no activity. I now received a third email from them at XXXX stating " action required on your application '' the email has no content and I did not apply for anything. there is something going on and the bank is unreachable via phone or website for nearly an hour with unauthorized activity on my account.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made the payment but it did not show on my account. I have A {$0.00}. Balance when I go and log into my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2019, at XXXX XXXX  EST, I received an unsolicited email purportedly from Synchrony Bank. The subject line was " A Trial Deposit Has Been Successfully Made to Your. The text of the email is blank except for a " Note '' that the email was sent by " Synchrony Bank, the issuer of your Account '' and that I " may receive serving emails even if [ I ] have requested not to receive marketing offers by email for [ my ] Account. '' The Note says that Synchrony is located at XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. The email says that the originating email account is unmonitored so that I should not reply, and includes an identity theft warning with a link to the FTC website. 

I have never heard of Synchrony Bank and have not opened an account with them. Therefore, I am concerned that the bank or someone else has fraudulently opened an account in my name. 

I tried calling Synchrony Bank on various numbers listed on their website. Two numbers resulted in error messages. A third resulted in me being placed on hold for 10+ minutes. 

At XXXX XXXX  EST on XX/XX/XXXX, I received a second email from Synchrony with no text and the subject line " Action required on your application. ''

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 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I received an email from Synchrony Bank that indicated " A Trial Deposit Has Been Successfully Made to Your XXXX XXXX '' I do not have and do not want an XXXX XXXX account. 

There is no phone number to contact this " bank '' and the email indicates the mailbox is not monitored. 

I believe ANY company that opens an unauthorized and unrequested account on behalf of a consumer is committing identity theft. 

I want someone to contact this " bank '' and demand that they stop this practice. A quick XXXX  search indicates I am not the only one to receive this phishing email.

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 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX keeps raising my monthly payment on my home. I was told this was a fixed monthly payment loan. And for awhile it was. But first it went up to XXXX XXXX dollars. Now it's up over thirty-six hundred dollars. 

I can not afford these escalating payments. I think they are engaged in a predatory practice of raising my monthly payment when it was supposed to be fixed, in order to steal my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express closed all of my card accounts, they are upset because I signed up and was approved for the offers and earned points through a rewards program. They only want people to carry a balance and never redeem their points they earn. They also want people to pay the {$550.00} annual fees on their platinum cards, which I did. 

In my opinion, I did not violate any of their terms, I was approved for the cards they offered and I paid the {$550.00} annual fee. 

Keep in mind, this card was just opened last month in XXXX, and American Express closed my credit card accounts, took all my points and are not refunding any of the {$550.00} fee, even though its a 12 month fee so it should be refunded at least prorated for the 10.5 - 11 months. I did not get all the card benefits, so in my opinion them not refunding the annual fee at all is stealing from me. 

Is this the standard that you want to set for your customers American Express? Bait me into appying for a card that you approved me for, make me pay the annual fee and then close the card so I can't get any of the annual fee back? That is just wrong and is stealing. 

Please do the right thing and refund at least a prorated annual fee amount as a one time courtesy. I do not want to take additional legal action by taking this to small claims court. But trust me I will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX tried to charge my insurance provider for a procedure that was never performed of which my insurance company refused to pay. 

Because my insurance provider refused to pay, XXXX XXXX XXXX tried billing me for the procedure, after I wouldn't pay, they sent it to a collection company. 

On more than one occasion I've tried to get XXXX XXXX XXXX to prove that this procedure was performed, and they were unable to do this. 

I have contacted AWA Collections to settle this matter but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: SC

Complaint narrative:
XX/XX/2018 XXXX XXXX Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX, TX XXXX ( XXXX ) XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/19 I received 2 emails from XXXX XXXX XXXX XXXX one stated a trial deposit has been successful to my XXXX XXXX  account which I did not initiate and do not to my knowledge have. I tried to access my account a savings and a CD. I can view past statements but no real time data. I changed my password and verified that the only external account is the original one I set up. I am not able to see current data for today only past statements. The on line chat with a representative was listed as unavailable. When I dial the telephone number of XXXX I receive a message that the number is not in service. I have called the FDIC and the agent stated to call CFP since FDIC does not handle complaints about Synchrony bank.

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 2019-11-25 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: SC

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CFS Holdings, Inc
State: TX

Complaint narrative:
on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with Confident Financial Solutions ( CSR ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called XXXX XXXX XXXX XXXX XXXX I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Received this e-mail but did not apply nor request this card : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX ( 2 hours ago ) to ******* Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

-- -- -- -- -- -- -- -- -- -- -- - Tried to contact Amazon to report this but could not find path to do so.

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 2019-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX, TX XXXX ( XXXX ) XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation