vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that Synchrony Bank financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to Synchrony Bank, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.

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 2019-08-15 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that XXXX XXXX financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to XXXX XXXX, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I wrote a verification letter to the collection agency. They sent me back the information regarding the debt. The bill is for {$460.00} and they are reporting {$740.00} in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
was going through a hard time and missed my payments

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 2019-08-15 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: NY

Complaint narrative:
please review the following fraudulent inquiries on my credit report XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I discovered several fraudulent and inaccurate accounts on my consumer credit file.

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 2019-08-15 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: FL

Complaint narrative:
All items were already removed expect these last accounts uploaded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
I have been in negotiations with Mr. Cooper/Nationstar for more than 5 years. During this time, I have attempted multiple loan modifications as well as multiple Pay-Off Settlements. Also during this time, my mortgage has changed ownership more than once, as well as apparently locations. Mr. Cooper has proved fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. In a document sent from the mortgage Servicer, Mr. Cooper, on XX/XX/2019, Mr. Cooper states that their records indicate that XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX is the current owner of the loan. With the contact information being XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The XXXX County Clerks office records the Assignee being XXXX XXXX XXXX , XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX   MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX AT XXXX XXXX XXXX XXXX, XXXX, TX XXXX Mr. Cooper 's Attorney, and Mr. Cooper associate, Ms.XXXX both have confirmed in writing this to be the correct address of the Assignee/Owner of my mortgage. A simple XXXX search shows that the address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX in fact does not belong to XXXX XXXX or Nationstar DBA Mr. Cooper. The owner of the address at XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, is in fact XXXX XXXX XXXX. Mr. XXXX, who is the Facilities Manager of XXXX XXXX XXXX has confirmed in writing that XXXX XXXX XXXX is the sole tenant of the building at this address. 

In addition, after the origination of my mortgage, alteration of the Note took place. After the origination of loan, the Note was stamped with the name of alleged Robo Signer, XXXX XXXX XXXX, Assistant Vice President of XXXX XXXX XXXX, XXXX. This stamp is not accompanied with a Notary Stamp to confirm a date or its validity, and appears ABOVE the signature of the Defendant ( Borrower ). As specified by Uniform Commercial Code 3-407. ALTERATION, ( a ) " Alteration '' means ( i ) an unauthorized change in an instrument that purports to modify in any respect the obligation of a party, or ( ii ) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party.

( b ) Except as provided in subsection ( c ), an alteration fraudulently made discharges a party whose obligation is affected by the alteration unless that party assents or is precluded from asserting the alteration. No other alteration discharges a party, and the instrument may be enforced according to its original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Statewide Credit Services Corp.
State: NY

Complaint narrative:
The company has checked twice my XXXX Credit Report ( XX/XX/2019 and XX/XX/2019 ) without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: IL

Complaint narrative:
I discovered several fraudulent and inaccurate accounts on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: IL

Complaint narrative:
I discovered several fraudulent and inaccurate accounts on my consumer credit file.

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 2019-08-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: IL

Complaint narrative:
I repeatedly tried to fax them information, verify information, and have processed information for student loan forgiveness, student loan consolidation, and income driven repayment. They continually did not process information in a timely manner, could not tell me if they received information, needed me to send information excessively ( faxed daily for over a month ), and overall mismanaged my account to the point where I should been on year 7 of student loan forgiveness and I am currently on roughly the 3rd year which they state can not be corrected in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: CT

Complaint narrative:
The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi allowed fraudulent credit card accounts to be opened in my name without my authorization. I notified Citibank N.A That I was a victim of Identity theft, and advised which accounts were fraudulent as I have not opened a credit card with Citibank. Citibank responded to my complaint advising that I called in Advising all of the credit cards were valid and that I received these cards. Never once did I make any calls into Citibank and in fact I believe I have received 1 call from them total, that I did not answer and was left a message for. Yet Citibank continues to provide false accusations without proof or evidence of said calls. I am requesting at my legal right to have proof of these calls that are supposed me calling in to verify credit cards that I never received ever. The address that the accounts were opened with do not match my addresses, Isn't on my credit reports and isn't on my public records. So Again Citibank is fraudulently reporting fraudulent accounts on my credit profile, I will continue to dispute these fraudulent accounts with the Credit Bureaus as these were opened as a result of identity theft, and I never received any of the cards they are listing. As Stated, I have received one phone call from citibank " XXXX XXXX XXXX '' that I never called back nor ever responded to. 
FRAUDULENT - Accounts Opened by Identity THIEF that Citibank refuses to actually investigate nor resolve. 
Costco Anywhere Visa Citi Double Cash Account ending in XXXX Account ending in XXXX Citi / AAdvantage Platinum Select World Elite Mastercard Account ending in XXXX I never verified these accounts being mine, Because they are not. I never once called in to verify this, and If citibank is trying to falsely accuse, I want proof by recorded call where I stated these were my accounts, I never once called in and said this but I want proof of the call since they are clearly trying to prove the fraud based on fraudulent calls that never occurred. Again I did not apply 22 Times, I have not applied with your bank for a credit card at all. These accounts are fraudulent, and per law 603 ( B ) I am requesting my right as an Identity Theft Victim for these Fraudulent accounts to be blocked with all 3 credit bureaus effective immediately. Citibank is not conducting any investigations, and Do not care about victims of fraud. They do not assist with fraud and continue to report fraudulent accounts, and accuse actual victims of fraud. These tactics are shady and discrimination.

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 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Received a letter XX/XX/XXXX stating they were collecting on behalf of a Dr that I hadn't heard of and if within 30 days I didn't respond they would  report it to the credit bureau. 
I called the hospital to find out who this Dr was and why it wasn't paid with the hospital bill and didn't get an answer. While I was trying to find out who and why I was charged with this bill on Th first of XX/XX/XXXX they did tag my credit report. They didn't wait 30 days as the letter stated. I paid it in full and said I will do my own investigation and told them they were not fair by not waiting 30 days to let me investigate and they admitted the error. I asked they would remove the delinquent remark on my credit report they said they would and also would give me the original bill so I could find the Dr and the charge. To date 10 days later there hasn't been any change to my credit report or have I received the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX , XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is XXXX  and this debt has been released. Reporting a  collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to fix this, however I have been unsuccessful.

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 2019-08-15 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: Freedom Mortgage Company
State: WA

Complaint narrative:
From XXXX 2019- XXXX 2019 mortgage payments were made to the mortgage company. in XXXX they reported my account was 30-60-30 days late. I filed a complaint asking for the company to correct the reporting in XXXX twice, with the second request filed on the XXXX of XXXX, then again on XX/XX/XXXX. The company has failed to correct the record even though there is documented evidence that the payments were made.

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 2019-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.

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 2019-08-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.

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 2019-08-15 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:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on 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 non-monetary relief
Consumer complaint received 2019-08-15 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: CA

Complaint narrative:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on 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 2019-08-15 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:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I had fallen behind on my auto loan. XXXX XXXX XXXX hired a privet investigator to get the vehicle back. He called me i cooperated with him he told me that he wanted to come and take the truck so they could sell it. I asked well what happens if they do not sell it for the amount i owe do i have to pay that he told me no i would not have to pay that amount. I told him that i wanted to talk to my father and i also wanted my father to talk to him as well. My father was willing to help me get caught up. The Investigator that was hired by XXXX XXXX  XXXX  told me and my father that we would be better off just letting him come and get the vehicle and that i would not have to pay any amount that was not recovered at the sale. Well now they are after me for {$12000.00} that they did not get in the sale. They steered me away from trying to cure my default and they lied. They have sent this matter out to a collection agency and now they are after me. They have also not verified my request for debt validation completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-08-15 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit information was stolen and used at different locations out of state in XX/XX/XXXX and XX/XX/2019. I was given credit for XX/XX/XXXX but not for the transactions in XX/XX/XXXX. I have attempted to resolve this issue but the credit card company refuses to reimburse the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation