vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear CFPB Counselor, I almost dread going into the details of this so that you can understand what has been going on since XXXX. I will try and outline events. I received a letter from Synchrony Bank 's Fraud Dept about suspicious charges on a credit card in my name. I did NOT recognize the card number but later realized it was an acct I opened online with a tire co in XXXX TX in XXXX to purchase a good used set of tires/wheels from a store called XXXX XXXX. I never received a credit card and didnt miss one since all was done online, I even set up automatic pmts to cover the promo NO INTEREST the company offered. 
In early XXXX someone named XXXX XXXX got my account number for the Synchrony XXXX XXXX retail account and got himself approved as an AUTHORIZED USER. This person lives in S.Florida somewhere in XXXX County, I live in N. Florida in XXXX XXXX County outside XXXX. 
I have been going around and around with Synchrony Bank 's Fraud Dept trying to prove to them I did not authorize this XXXX XXXX to use my card. I have no idea who this creep is. 
This same credit account was apparently not CLOSED when my promo was paid and the pre-set up automatic payments from my checking account was still active ... ... when this XXXX XXXX charged over {$2500.00} of merchandise on the account I hadnt a clue this was going on and automatic payments were withdrawn to keep the account current over the course of 2 years. I'd have still never known about this had Synchrony themselves not alerted me to 'suspicious ' activity on the card. I am guilty of not monitoring my checking acct as closely as I should I know. Synchrony after multiple letters and effort on my part finally relented earlier this year and said they have resolved the account and that I am no longer liable. I thought well GREAT!!! But what about all the money ( {$2700.00} ) that was taken from my checking acct, i want that back! 
I have documentation of everything I say. They sent me a check today for {$1400.00} which is {$1200.00} short. I am livid these cheap XXXX are trying to profit from me and they have done absolutely nothing to prove their case and I have done ABSOLUTELY everything to prove mine. I will never do business with them again.

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 2019-10-04 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: TX

Complaint narrative:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 2019-10-04 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: TX

Complaint narrative:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 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 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My wife has been unemployed for over a year since she was forced to close her business because of the business not generating revenue. We are delinquent on all our bill. 
My income is the only income that we have at this time, my wife is currently seeking employment. Received property foreclosure correspondence XX/XX/2019 with a sale date of XX/XX/2019 per the Tennessee law foreclosure sale date notice is to be received 30 days prior to the property foreclosure sale date. Received correspondence XX/XX/2019 to validate the debt. I didn't receive this notice 60 days prior to the property foreclosure sale date. I've recently submitted request to the mortgage company Regions Mortgage for mortgage 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 non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have been a US Bank customer since XX/XX/XXXX In XX/XX/XXXX I  opened an individual checking account with a reserve line attached to that checking account. My daughter XXXX XXXX XXXX was XXXX years old at that time. In XX/XX/XXXX I requested a check debit card for my daughter in order to provide access to an ATM for emergent withdrawals from MY checking account while she was away attending college. XXXX XXXX XXXX was never added as a signer or guarantor on the account, she did not have access to online banking, she did not make any deposits or payments to the checking or reserve accounts. She was an XXXX year old college student. She did not have any credit history. For over 4 weeks I have been attempting to remove XXXX from my account. After 3 visits and 4 hours, and sending my daughter to a California branch for 2 hours, XXXX XXXX, Branch Mgr at XXXX XXXX Branch told me his title was just a title and he couldnt help. On XX/XX/XXXX, I contacted the Main Branch. There was no answer all day. I contacted the toll-free customer service number. They tried to transfer me to the Main Branch. They were not able to reach anyone or even a voicemail, all day. On XX/XX/XXXX, I called the Main Branch. XXXX explained, there were a lot of people on vacation the previous day and they were busy helping other customers and therefore could not answer the phone. On XX/XX/XXXX, XXXX XXXX called. On XX/XX/XXXX, after 10 calls since XX/XX/XXXX, XXXX stated shes new in her position and doing the best she can but cant help. She stated all records are destroyed after 7 years. If that is the case then US Bank would not have proof that I am obligated to repay my loan on my reserve account. I requested a copy of the agreement and our signatures showing XXXX agreed to be a responsible party for my debt. The only document I have received is a pamphlet titled, Your Deposit Account dated XX/XX/XXXX. I am requesting copies of MY agreement and to have my daughter removed from MY obligation.

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 2019-10-04 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:
XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and experian immediately they do not even list account numbers on my fico reports!!!

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 2019-10-04 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: NJ

Complaint narrative:
I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA 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 non-monetary relief
Consumer complaint received 2019-10-04 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: TX

Complaint narrative:
Equifax keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that Equifax keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet Equifax continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, XXXX XXXX sent a letter to remove it and yet they appear still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY 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 2019-10-04 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC
State: TN

Complaint narrative:
We financed a car with Prestige Financial in XXXX of 2014. We have paid somewhere around 25k for a XXXX car and they say we still owe almost 8k. Is an almost 50 % interest rate legal? Because thats what it will be after we pay all the payments. XXXX for a XXXX car. I dont know how it could possibly be that much and it be legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 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:
XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, XXXX and XXXX immediately they do not even list account numbers on my fico reports!!!

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 2019-10-04 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:
XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, equifax and XXXX immediately they do not even list account numbers on my fico reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit system this is not mine someone use my identity and received this lease under my name I need it of my credit I deman it of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
I have repeatedly contacted my Servicer, with the desire to resolve and settle my account. My current Servicer was also at one time the owner of my mortgage. I have received the " run around '' to say the least. Complaints that I have filed with CFPB have been answered insufficiently, with answers that are either incorrect and/or do not apply to the issues. On XX/XX/XXXX, Mr. Cooper Associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. The complaint was regarding Nationstar/DBA Mr. Cooper and previous OWNERS of my mortgage who have not sent Welcome and Good-bye letters when my mortgage changed OWNERSHIP, as required by the Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of ASSIGNEES states requirements for OWNERS, ASSIGNEES, AND CREDITORS of the mortgage. In her response, Ms. XXXX stated the following : " Our records confirmed that XXXX XXXX XXXX  XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' This is inaccurate information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to documents recorded with my local County Clerk, Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this incorrect information, along with other issues. I have still not received a reply. I am attaching the email which was sent to Ms. XXXX. Ms. XXXX also stated that after reviewing my account, it was found that the account originated on XX/XX/XXXX. I have also inquired as to who the account originated with according to Mr. Cooper 's records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX {$45.00} on XXXX went to the wrong person ( complete stranger ). On XX/XX/XXXX the bank was contacted to send the money to the correct person the phone number was one digit off. The bank said it would take 10 days to correct but never corrected it. Now XX/XX/XXXX they are saying they can't do anything about 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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: NY

Complaint narrative:
Hi i hired a Debt Consolidation Company - " Americor '' i give them 7 accounts to work on and settle. Ever time they settled an account i told them to try and settle the big account first but they assured me that everything was good with all the accounts. Now in XX/XX/XXXX i was available to receive a loan from Americor so i can pay for the rest of the accounts and then i would just pay them " Americor. '' So two weeks before the loan becoming available i received an email from Americor the email said " Your document has been received '' i emailed back what document. Than they emailed me a Summons from one of the accounts, that was suing me the big account the one i kept telling them to settle first. So i emailed them back asking what should i do and they told me to "  request a change of venue '' I live in XXXX Ny and they served someone in the company in California now the person they served in california works in Americor and said that she was me. Americor gave me a phone number to a court in XXXX and said that they are not Attorneys and that they cant help. So now its been 3 months and Americorps is still not helping me a im requesting all me money back from Americor because now i have to hire an Attorney in NY that handle cases in California. And i  believed they were waiting for the summons so i can go with the loan wish i didn't want. I canceled with them on XX/XX/2019. They also told me that they have no idea who got served at there office but that the summons is mine and they cant help. Wish is Fraud.  The credit card company is suing for XXXX. They served someone in the office of Americor on XX/XX/2019 and that person said it was me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a cease and desist letter to Midland Funding because they continuously call and I have asked them to verify the debt. They have failed to verify. They claim I have two accounts. I asked that they cease the calling on both accounts. I have a copy that the letter was signed for by XXXX XXXX on XX/XX/2019 at XXXX XXXX. However, the calls continue daily. This is a violation the FDCPA. Since the letter was received, I have gotten calls on : XX/XX/XXXX at XXXX XXXX  from XXXX XX/XX/XXXX at XXXX XXXX from XXXX XX/XX/XXXX at XXXX XXXX from XXXX They call daily!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA 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 explanation
Consumer complaint received 2019-10-04 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: NJ

Complaint narrative:
I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA 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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
Quantum Collections had me sign some document of there for {$1000.00} dollars in late fees if I'm a date late. I was never sent nothing in the mail to dispute the bill. Quantum Collections. the original bill is {$480.00} which was owed to XXXX XXXX  XXXX XXXX. Quantum Collections had there own document for the extra {$1000.00} dollars.

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