vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
XXXX myself and my wife were discharged from Chapter XXXX bankruptcy. Continued to make voluntary payments to first mortgage holder ( Loan Number XXXX ) Nationstar Mortgage ( dba Mr.  Cooper ) until it became impossible to continue. XX/XX/XXXX applied for Deed In Lieu program with Mr. Cooper. Was accepted into program and on XX/XX/XXXX Mr. Cooper offered the second trust holder XXXX , XXXX ( Loan Number XXXX ) {$6000.00} to release the 2nd lien ( see attached ). 
Mr. Cooper did NOT follow up with XXXX, XXXX and allowed their XXXX program with me to expire. I contacted XXXX by phone twice and lo and behold on XX/XX/XXXX ( see attached ) XXXX accepted Mr. Cooper 's offer of {$6000.00} provided they received said {$6000.00} by XX/XX/XXXX. When I notified Mr. Cooper I find out that my DIL with them had expired. I got it re-instated and was told that they had everything they needed and were waiting for the final approval from their Underwriter which they expected shortly. Things dragged along with Mr. Cooper and I contacted them and was told not to worry that even if they got final approval from the Underwriter in early XXXX it was more than enough time for them to make the payoff to XXXX by XX/XX/XXXX. 
In the interim, unbeknownst to me, Mr. Cooper had referred my loan to their attorneys for foreclosure and the foreclosure sale date is to be XX/XX/XXXX. I was very upset but was told that as soon as they got the final approval and paid off XXXX they would tell their foreclosure attorney to withdraw the foreclosure and everything would work out fine. 
Well it didn't work out fine. Yesterday ( XX/XX/XXXX ) I get a call from Mr. Cooper telling me that since it took so long to get to this point ( which was all due to Mr. Cooper 's foot dragging and incompetence ) that their Investor had decided there was not sufficient time to get all the paperwork done prior to the XX/XX/XXXX foreclosure date and withdrew their commitment to purchase the loan. Now unless I get some quick help from the CFPB my former home is going to be foreclosed upon instead of a Deed In Lieu. This is totally unacceptable! I went above and beyond to live up to my end of the bargain while Mr. Cooper dropped the ball several times. I want you ( the CFPB ) to make them honor their commitment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My XXXX year old daughter 's SSN has been stolen. Someone has been attempting to use it and has used it for the last year and a half. They have purchased a car and taken out a loan. It is almost impossible for me to do anything about the problem. The credit bureaus make it extremely difficult to correct the problems or even freeze her credit. They want me to send all of her ( and my ) SS cards, birth certificates and my drivers license through the U.S. postal service to a P.O. box before they will even talk to me. So if someone didn't already have all of her information they probably will now that I have to send copies of it to 3 different bureaus through the mail. It is absolutely ridiculous!! In the meantime, criminals are spending away. And the amount of time I have spent on this issue is absurd. The laws have to be changed so that they aren't in the criminals favor. It's too easy for them and too hard for parents. Thank you.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 2019-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated that my " statements have been set up to be delivered electronically '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, twice, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing for paperless again without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.

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 2019-05-31 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
I bought my car for {$15000.00} from XXXX with a loan from Exeter Finance,  XXXX of XXXX. I made payments on time until XXXX of XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with Exeter Finance multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from Exeter until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which GAP and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was stupid, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My XXXX year old daughter 's SSN has been stolen. Someone has been attempting to use it and has used it for the last year and a half. They have purchased a car and taken out a loan. It is almost impossible for me to do anything about the problem. The credit bureaus make it extremely difficult to correct the problems or even freeze her credit. They want me to send all of her ( and my ) SS cards, birth certificates and my drivers license through the U.S. postal service to a P.O. box before they will even talk to me. So if someone didn't already have all of her information they probably will now that I have to send copies of it to 3 different bureaus through the mail. It is absolutely ridiculous!! In the meantime, criminals are spending away. And the amount of time I have spent on this issue is absurd. The laws have to be changed so that they aren't in the criminals favor. It's too easy for them and too hard for parents. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
When I opened an account with Fifth Third Bank it was a free account with zero minimum account balance and zero service fees. This was in XXXX. On XX/XX/XXXX Fifth Third Bank, ( XXXX XXXX, Michigan ) charged me an XXXX dollar service fee and reversed it on XX/XX/XXXX. They told me they made a mistake then. On XX/XX/XXXX they again charged me an XXXX dollar service fee but only reversed it for the amount of XXXX dollars and only when I told them they were thieves. They said they changed my account 4 years ago but never told me they were doing so. The branch manager, XXXX, said they have a right to change anything involved with their bank and in a loud toned voice towards me. I have been complaining about their bad banking and currently in the process of changing my direct deposit information so I can leave this bank. I think the public should be aware of how they swindled an elderly adult. If this Financial Institution nickel and dimed everyone like they did me they are making a great profit on a persons hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was advised on XX/XX/XXXX my account was going to be closed and no debits or credits would be allowed. I received a letter to XX/XX/XXXX stating the same information. On XX/XX/XXXX, a direct deposit from a hardship withdrawal from my 401k was accepted in breach of the notice via phone and the letter received. I have demanded the funds be sent back to the sender as is stated in the letter. The bank refused to abide by my request.

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 2019-05-31 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS AND HAVE THEM REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2019-05-31 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:
the following accounts and collection ( XXXX XXXX / XXXX XXXX ) and ( XXXX XXXX ) are inaccurate and fraud and wrongful accounts reporting under my name, these are not mine, these were opened with out my knowledge and equifax has not been helpful in this matter, i will be attaching these documents for which i have also provided to equiafx as well, please help me as a consumer to look in to these careful and delete these wrongful reporting from my name. i would greatly appreciate. 
thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: DISCOVER BANK
State: DC

Complaint narrative:
Discover Bank Credit Card On my Discover mobile Apps XX/XX/2019 Cashback Bonus redemption - {$3.00} Internet Payment - - {$450.00} XX/XX/2019 Returned Internet Payment {$460.00} Represented Internet Payment - {$460.00} Returned Internet Payment {$460.00} Internet Payment - {$460.00} On my Account summary XX/XX/2019 - XX/XX/2019 Transactions Payments and credits Trans Date XX/XX/XXXX - {$450.00} - {$3.00} XX/XX/XXXX - {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX - {$460.00} Please check on the discrepancies of accounting as reflected on the apps and the account summary. There is one transaction missing on the statement. There should be another entry of {$460.00} to balance the account as in the apps. Otherwise I have to pay an additional of {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full

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 2019-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
Myself and several family members received calls about this debt from XXXX on behalf of Cash Central stating they Order of vocation {$1000.00} court cost legal fees XXXX XXXX Threatening to sue me and take me to court and I requested to have a cease and desist for contacting family members and they would not accept it and they continued to threaten and harass me and family numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: IL

Complaint narrative:
THERE ARE 8 LINES ON MY CREDIT REPORT UNDER US DEPARTMENT OF EDUCATION THAT TRANSFERRED TO DEPARTMENT OF EDUCATION XXXX. XX/XX/2012 $ XXXX. THESE 8 LINES HAVE {$0.00} BALANCE ON MY CREDIT REPORT BUT UNDER THE " SCHEDULED PAYMENT AMOUNT THERE IS " {$20.00}, {$6.00}, {$41.00}, {$23.00}, {$85.00}, {$88.00}, {$36.00}, {$36.00}. TOTAL {$330.00}. TERMS OF FREQUENCY SAYS " DEFERRED ''. THE LOANS WERE TRANSFERRED TO XXXX. IT SHOULD NOT SAY DEFERRED. THIS {$330.00} AMOUNT IS AFFECTING MY DEBT TO INCOME RATIO AND STOPPING MY HOME LOAN APPLICATION FROM GOING THROUGH. I HAVE ASKED EQUIFAX TO CORRECT THE REPORTING. THEY CLAIM THE DEBT TO INCOME IS NOT ON MY CREDIT REPORT AND SENT ME MY CREDIT REPORT WITH THE AMOUNTS LISTED ABOVE ON THE REPORT THEY MAILED ME. I HAVE ASKED THE DEPARTMENT OF EDUCATION AND DEPT OF ED XXXX TO CORRECT MY CREDIT REPORT AND SEND ME A LETTER STATING THE 8 LOANS WERE TRANSFERRED FROM " U.S DEPT OF ED '' TO " DEPT OF ED XXXX '' ON XX/XX/2012 NOT ONE OF THE 3 COMPANIES WILL CORRECT THIS ERROR. THE DEPARTMENT OF ED AND XXXX PUSH ME OFF TO THE OTHER COMPANY TO CORRECT AND EXQUIFAX DENIES THERE IS A PROBLEM. PLEASE HELP ME GET THIS RESOLVED. I DO HAVE {$57000.00} PLUS INTEREST IN LOANS THAT ARE DEFERRED UNDER DEPT OF ED XXXX. THAT IS ALL I OWE OUTSIDE OF A {$450.00} PERKINS LOAN. THE {$57000.00} IS COUNTING AGAINST MY DEBT TO INCOME RATIO. PLUS THE TRANSFERRED LOANS HAVE ADDITIONAL $ XXXX WORTH OF MONTHLY PAYMENTS TOTALING {$330.00} BEING LISTED AGAIN AND COUNTED IN MY DEBT TO INCOME RATIO ON MY CREDIT REPORT ALSO. PLEASE HAVE THE US DEPARTMENT OF EDUCATION 8 LINES CLEARED OF A MONTHLY PAYMENT AMOUNT AND REMOVE THE " DEFERRED '' STATUS. I CAN ONLY ASSUME IT SHOULD SHOW AS TRANSFERRED. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my XXXX report and are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Additionally they were all tied to National Credit Cards/Airlines. I called XXXX and they said they were from Synchony Bank and I would need to call them and provided me the phone number of XXXX. I spoke with Synchony Bank and they denied knowing anything about it, and attempted to shift blame on XXXX XXXX, stating this was an issue with them, however, XXXX XXXX is only a monitoring company. They do not report to the credit bureaus. 

XX/XX/XXXX Syncb/Steinmart DC XXXX, Florida XXXX XX/XX/XXXX SYNCB/PAYPALEXTRASMC National Credit Airlines XXXX, FLorida XX/XX/XXXX SYNCB National Credit Airlines Orlando, Florida XXXX XX/XX/XXXX SYNCB/WALMART PLCC National Credit Cards/Airlines XXXX, Florida XXXX XXXX, XXXX SYNCB National Credit Cards/Airlines XXXX Floridaa I never authorized Synchony Bank to make these inquiries against my credit. I am requesting in writing assurance that all of my personal identification information be removed from any and all files both electronic and physical immediately. I am also requesting these inquiries be removed from my XXXX report so I will no longer be adversely affected.

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