vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX XXXX I made a payment arrangement with Synchrony Bank who is representing HHGREGG to make monthly payments of {$23.00} because of financial hardship. The representative that contact me informed of the terms and asked if I would agree to automatic draft withdrawal. I agreed to the automatic draft withdrawal, I set the date with them and also made a payment for {$46.00}. They made an extra withdrawal out of my account and had to send me a check for payment. Fast Forward to XXXX when I receive a threatening collection notice advising I was not keeping the terms of our agreement and not making the monthly payments. I contacted the company discussed the conversation from XXXX and advised I assume the automatic draft was taking place since I had not heard from them since XXXX. The representative went through the same process again and stated everything would be handled. I 've been making the {$23.00} as promised monthly. In XXXX XXXX I started working with XXXX XXXX to get my finance in order and at an affordable amount. I advised XXXX of the agreement with Sychrony and asked if they would send a proposal and make sure the {$23.00} payments was made to them timely. XXXX agreed. Several proposal for {$25.00} has been sent to Sychrony and have declined to the agree of {$23.00}. I continue to send them payment every month for {$25.00} however, Sychrony is not keeping their promise. They continue to send me collection notices and charge me late fees. They have even affected my credit score even more by reporting me being late every month. I am request that Sychrony be required to keep the promise we made for {$23.00}, remove the negative reports from my credit account from XXXX XXXX XXXX and agree to allow XXXX to continue to work on my behalf and accept the proposal.

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 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, TRANSUNION, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES 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 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, EXPERIAN ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES 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 2017-08-10 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: VA

Complaint narrative:
These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XXXX when some of these were done. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/ XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: NY

Complaint narrative:
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas onXX/XX/XXXX( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information.
I see many scam allegations on XXXX on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped.
I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 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: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. Ford motor Company was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with Ford Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX XXXX. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with Ford Credit about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If Ford Motor Credit can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that Ford Motor Company whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. Ford Credits response to me was well this is Ford Motor Credit we are not Ford Motor Company. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX amount for {$2800.00} does not belong to me XXXX, XXXX. Opened XX/XX/XXXX amount {$550.00} does not belong to me XXXX XXXX Opened XX/XX/XXXX {$1300.00} does not belong to me these negitive accounts are not mine and i wish to have they removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase reported to the IRS in XXXX that I had received a refund for a house that I sold to my ex husband in XXXX. The IRS in return sent me a bill on XXXX XXXX in regards to the matter. I went to the Chase branch to inquire about this bill that Chase reported to the IRS and was told I needed to contact the mortgage department at Chase. I called the mortgage department at Chase and explained to them I never received the monies they reported to the IRS. I then requested a copy of the cashed check, they emailed me the front of the check with both of our names that was sent to my ex husband address on XXXX XXXX and was advised I had to wait 7 business days to receive the copy of the endorsed check. After 7days they provided the endorsed check that was sent on XXXX XXXX without my name just his. I then had to take a day off from work to call the IRS to inquire what I needed to do to have this corrected. I explained to the IRS what happened with Chase because during all my conversations with Chase I was telling Chase what needed to be done to correct this issue. Chase should of told me what needed to be done to have this corrected about this error they created! Chase wanted me to just tell the IRS about the error instead of them knowing what needed to be done to get this corrected with the IRS. I had to request a copy of my corrected XXXX to be able to have this corrected properly with the IRS and even then they were going to send a copy of the corrected XXXX to my ex-husband home address. I am infuriated that I had to take the day off from work to correct an error that Chase made with the IRS creating an unnecessary bill and furthermore causing me emotional stress in having to deal with my ex husband in regards to this matter! The representative I spoke to is XXXX XXXX most of the time about this case, the multiple conversations were recorded for reference. To-date I have to wait 7-10 business days to receive my corrected XXXX to send to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: NY

Complaint narrative:
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas on XX/XX/XXXX ( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on google on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Kahn, P.A.
State: FL

Complaint narrative:
I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.

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 2017-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX Card ), XXXX XXXX, XXXX XXXX XXXX, Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX  account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 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: TN

Complaint narrative:
On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. XXXX XXXX XXXX was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in  XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with XXXX Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX 's. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with XXXX XXXX about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If XXXX XXXX XXXX can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that XXXX XXXX XXXX whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. XXXX XXXX response to me was well this is XXXX XXXX XXXX we are not XXXX XXXX XXXX. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # 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 2017-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had a vehicle loan with Chase Auto finance. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: SC

Complaint narrative:
XXXX XXXX of Finance America told my husband, XXXX XXXX and I that we were preapproved for a program that required no down payment and was 100 % financed. She put our information through the automated system and said we were approved in XX/XX/XXXX. We assumed we were set with financing so in the spring we paid {$3700.00} in deposits for upgrades to a condo under construction. When we went to secure financing in XX/XX/XXXX for our early XX/XX/XXXX close date we were told we did n't qualify for financing and were abruptly dismissed. We have been homeless for 2 months and are currently out of {$3700.00} in deposits to the builder who refuses to refund us. We never would have paid the deposits if we did n't think financing was guaranteed. We also just found out in the preapproval letter she only wrote in conventional loan which we knew was NEVER an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: AL

Complaint narrative:
On XX/XX/XXXX I received an email from Equifax stating that their investigation into an account I reported as a result of identity theft had been completed. In the letter sent to me which I am including says that they are leaving the item on my credit report because they verified it as belonging to me. I have never had an account with them or XXXX. I want it removed or blocked from my file immediately. According to the FCRA in section 605 ( a ) ( b ) it is the responsibility of the credit reporting agency to block any information/account a consumer states is a result of identity theft upon written notice of the claim. Under the law, they have 4 days from the written notice to comply. I have sent them a FTC affidavit, an identity theft report and a written notice of my claim. Of course the company has my name, my social security and my date of birth right along with my address correct because they stole my identity. They used my personal information. The accounts that need to be removed from my credit report are the two collection accounts. 1 ) XXXX XXXX in the amount of {$150.00} opened on XX/XX/XXXX 2 ) XXXX XXXX XXXX in the amount of {$720.00} opened on XX/XX/XXXX Also, on XX/XX/XXXX I received notice that the XXXX XXXX account had been removed from my report but upon viewing my credit file it is still appearing there. I would like it removed as it was also a result as identity theft. Please remove these accounts immediately as they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
Yesterday I called Banco Popular to ask about the increase in the credit card interest rate. They notified that the rate was increased because the prime rate increased. The bank never send me a notification to let me know about the interest rate increase in order to pay off the balance and avoid paying a higher interest rate. I am claiming a refund for the interest overcharged becaused I was never notified about the interest rate increase. The total cost is {$250.00}. of interest.

Company response to consumer: Closed with explanation