vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander Consumer USA at address XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been furnishing account # XXXX for {$13000.00} as a charge off on my consumer reports since XX/XX/2017. I have reported this canceled debt as income. Income is not to be reported or furnished on my consumer report, that is an invasion of my privacy and XXXX XXXX XXXX XXXX is violating the Fair Debt Collections Practices Act. On the websites of XXXX, XXXX and XXXX they state income is not to be reported on a credit report ( consumer report ). I am requesting Santander Consumer USA to show integrity and accuracy and delete account # XXXX from all consumer reporting agencies. I am also requesting the 1099-C and/or 1099-A or I will be forced to report Santander Consumer USA to the IRS for tax fraud .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Synchrony Bank with the Credit Card agreement for my XXXX XXXX card enclosed. In the letter ( attached ), Synchrony indicated they had made a mistake in not enclosing the Credit Card Agreement when I initially was approved for the card earlier in XXXX. As recompense they indicated in the letter that they would be issuing a credit for any fees and finance charges that were assessed to my account from date of account opening to XX/XX/XXXX. They further noted that any balances on my card for charges made up through XXXX XXXX would be moved to a 0 % interest rate until the balance is paid in full. 

Historically, i have not incurred any interest charges or late fees on this card and so the refund of these fees would not apply in my case. In terms of the 0 % offer, since my payment due date is XX/XX/XXXX i had already paid my balance in full by the time i received this letter and so I also did not benefit from this 0 % offer. Synchrony knew or should have known that certain customers would have made credit card payments by the time the letter arrived in the customer 's mail box thereby absolving them of providing equal benefit to all customers. Those who do not pay in full on a regular basis receive the benefit of 0 % while those paying in full receive no benefit. 

On XXXX XXXX I called XXXX XXXX customer service to complain about the late timing of the letter and the fact that there was no benefit to me since i received the letter after my payment due date. I noted that if Synchrony had sent out this letter earlier in the month that i would have also benefitted. I requested an extension of the period for charges at 0 % to be extended to new charges through XXXX XXXX, XXXX and the employee put me on hold indicating they would check with their supervisor. Shortly after, the line went dead and the rep hung up on me. No attempt was made to call me back even though I had verified with this person my cell phone number. 

I called back later in the day on XXXX XXXX and spoke with a different representative who indicated the supervisor the first employee spoke with denied my request. The second representative indicated there was nothing more they could do for me. I am writing to receive equal benefit for the mistake made by Synchrony and would like 0 % for new charges through a certain date, a benefit extended to others who suffered the same mistake that Synchrony had made. This is only fair and equitable for all customers to receive the same benefit. I hope CFPB can help in 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 monetary relief
Consumer complaint received 2022-01-01 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: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
American Express has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my XXXX credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was going through a fraud claim with my Chase bank being hacked, and XXXX being hacked for {$500.00} on XX/XX/XXXX, talked to an representative there at chase and they reported/cleared all pending transactions that were not supposed to be from me. Somebody canceled my phone service ( XXXX ) and kept my number so they got every verification code, And got my email. Around that time I had a payment coming out of my chase for my insurance bill with XXXX that was recurring, and the amount of {$660.00} was taken out for the next 6 months for my insurance. Weeks go by with me thinking I have insurance on my car because my money was never put back in my account of {$660.00} and I get into a car accident that totaled my car and now Im seeing that something went wrong with them canceling my payment. Ive gone months with this missing amount of money from my XXXX and a fee from XXXX being taken from my account and not put back. Now I have a unpaid for totaled car because I didnt have insurance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: GA

Complaint narrative:
Unauthorized credit inquiry were made by a company

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 2022-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Center Street Finance, LP dba CSF Servicing
State: TX

Complaint narrative:
Dates associated with item being disputed : Last date verified XX/XX/XXXX o Explanation of item being disputed : o The high balance for XXXX is showing {$14000.00} while XXXX is showing a high balance of {$10000.00}. 
o The date of last payment on my report is showing XX/XX/XXXX on XXXX and XX/XX/XXXX for XXXX. 
o The Date of last activity is showing XXXX/XXXX/XXXX for XXXX and XX/XX/XXXX on XXXX. This clearly is showing that these companies are falsely and recklessly reporting inaccurate information as this date is the date used to age the account and is used to determine when the 7 year reporting period will end. This is unfair as there could be extra years added onto this particular account that is reporting on my report. 
Ive repeatedly reached out to XXXX, XXXX and the Company named Center Street Finance with no response on this debt about the validity and errors they continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX  is still reporting this fraudulent information to my Equifax and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX XXXX am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( 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 2022-01-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX WAY XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-01-01 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
[ 1 ] On XX/XX/XXXX, I purchased airline tickets using a Chase credit card, paying {$3800.00} in total, with {$3000.00} charged on the card and {$830.00} paid with XXXX Chase Ultimate Rewards points ( Exhibit # 1 ).

[ 2 ] Subsequently, the flights were cancelled, and on XX/XX/XXXX, I received a notice from Chase stating that I will get a refund for the flights in the amount of {$3000.00} and XXXX points ( Exhibit # 2 ).

[ 3 ] On or around XX/XX/XXXX, I received a check from Chase in the amount of {$550.00} that seemed to be intended for a refund for the portion originally paid with Chase Ultimate Points ( Exhibit # 3 ). I deposited the check upon receipt.

[ 4 ] Since then, I have contacted Chase customer service more than a few times requesting the refund of : a ) {$3000.00} that was originally charged on the credit card and a refund for which was promised in the notice from Chase mentioned above. 
b ) {$270.00}, the difference between the value originally paid with Chase Ultimate Rewards ( {$830.00} ) and the amount of check that I received in XXXX ( {$550.00} ) that is mentioned above. 
However, by XX/XX/XXXX, I have not received such refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX 2021. Account No. : XXXX XXXXNationstar has failed to pay my 2021 property taxes via my mortage escrow account. Nationstar records show the funds of {$3800.00} were withdrawn from my escrow account on XXXX however, the XXXX County Tax office has no records of payment submission from Nationstar as of XXXX. 
On XXXX I contacted Nationstar to let them know my tax account was not paid ( previous county records reflect payments made and credited to my account prior to XX/XX/XXXX of each year, except 2021 ). Nationstar has stated they are having a problem with XXXX County, however, XXXX County has stated that is not true and if payments were sent it would have been credited to my account just as in previous years. 
I do not want my home to go into foreclosure due to Nationstar neglectful actions

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: WV

Complaint narrative:
XXXX XXXX has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my Equifax credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank sent me an email about a promotion they were offering due to the coin shortage impacting the US. They were waiving fees for loose coin bought to the branch to sort and count it. On XX/XX/XXXX I took a bag full of loose coin for deposit. I dont know the total but estimate its about {$150.00}. I signed a form and provided my deposit slip and was told by the teller I would see a deposit with 1-2 weeks after the bag is sent to the main vault. After waiting and seeing no deposit, I contacted the branch by phone on XX/XX/XXXX. They opened an investigation. I never heard back. I visited the branch on XX/XX/XXXX and was told they do not know what happened. There were no notes on the ticket opened for the investigation. I was told to wait until Monday XXXX to follow up again. There seems to be no sense of urgency locating my money and making the deposit.

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 2022-01-01 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:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX  and sent the same information to Experian, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my Experian Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to the CRAs.

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 2022-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.

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 2022-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: NE

Complaint narrative:
" You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC  has been notified of your fraudulent acts and inability to research my issue.

Company response to consumer: Closed with explanation