vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I had to file bankruptcy and they didnt discharge my student loans which were the problem in the first place!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Two checking accounts were opened in my name without authorization. 
The first one received a direct deposit on XX/XX/ ( {$300.00} ) and the second received funds on XXXX ( {$500.00} ). 

I contacted Chase Bank, XXXX and police department to report the incidents. I also contacted the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NV

Complaint narrative:
Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. Credit Reporting Agencies need to DELETE XXXX XXXX XXXX XXXX and XXXX XXXX XXXX immediately this is double jeopardy!

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 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a debt from me that is not owed. They have not submitted any validation or proof of me having a writing contract with XXXX XXXX XXXX, XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Equifax. On XX/XX/2020 I received a response from Equifax regarding the " dispute results ''. Equifax has indicated that they were unable to locate my credit file in their data base and in order to further assist me I will need to provide 2 documents from each category provided ( 1 ) driver license and ( 2 ) a Social security card which both were attached to the original dispute letter for the purpose of identity verification. Equifax has requested that the copies be " enlarge '' for legibility as their non-human E-Oscar machine does not have the clarity as rod and cone cells as in the retina to allow conscious light perception and vision, including color differentiation and the perception of depth. The human eye can distinguish about 10 million colors while Equifax 's unmanned dispute machine is of no comparison, the copies provided to Equifax with the original dispute were of standard size and made in color print for legibility, see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
The following phone numbers are listed on my chexsystems report. These phone numbers do not belong to me. They are a result of identity theft. 

The numbers I am disputing are : 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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I reached out to Lexington Law on XX/XX/2020 at XXXX XXXX. I spoke with a man and provided him with the description of the negative items on my credit report. He advised they could help remove these items, and sent me an agreement to sign while we were on the phone so they could get started which I did. During the 4 months I was with them, nothing was accomplished. 

From XX/XX/2020 - XX/XX/2020 I got a notification from them that a negative item was removed from each of my credit bureau reports. I reached out to them as it was only being reflected with them and not with my other credit monitoring services. I spoke with XXXX XXXX which informed me the removals were permanent which turned out to be a lie. 
I set up the disputes in order of importance, however the first acct XXXX has not being worked on since XXXX. When I reached out they stated the next update was due on XXXX. 
I requested an escalation for one of my account and this was incorrectly done. They provided me with a letter to send to the creditor. The letter stated that I had 2 account being reported incorrectly and to verify the account which was incorrect as I only had 2 account and was only trying to get the late payment removed. And they have the nerve to charge me. 
My attempts/ email to contact them has to be sent multiple times to get a reply. When I get a reply it will be simple copy and paste template. I now realize this was all a scam. They said they could help me with the negative items but it was all a scam. I would like all my payment refunded from XXXX - XXXX. 
Date Status Description Amount XX/XX/2020 PAID Monthly Subscription Fee {$110.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID First Work Fee {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX will not pick up phones or answer our emails. We called so many times and sent so many emails ( at least ten times ). We only used their terminal about ten times. We wanted to terminate because they were charging for services we never used. From XX/XX/XXXX till XX/XX/XXXX they charged us each moth and total charges were XXXX dollars. We did not use their services for this period at all. Finally we asked our bank to block it. We got the letter dated XX/XX/XXXX from SWRS ( South West Recovery Services ) to collect {$620.00}. I called them and explained that we do not owe any money ; rather XXXX XXXX XXXX  XXXX charged us XXXX dollars for no reason and should refund our money back. Lady goes it is for the equipment. I told her that we can send their terminal if they send us sticker that we can use to send it back to them. She says it is too late. She was so abusive to me and threatened me to damage my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$1300.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Needs attention XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2020-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There is a KOHLS/CAPONE Inquiry on my credit report that I do not recognize, not to long ago I went to the Kohls store and the lady asked me if I had a kohls card, I said no so then she asked me for my identification and I didnt know why, it turns out that she applied for the card without my consent. I think that this shouldnt be allowed because she did this without consulting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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 just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

ally financial XXXX I never authorized there inquiries ally financial XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XX/XX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX cardXX/XX/XXXX I never authorized there inquiries XXXX XXXX XXXX XXXXXXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXXXXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXXXX/XX/XXXX I never authorized there inquiries XXXX cards XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NY

Complaint narrative:
I just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries Onemain XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX card  XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX  XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.

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 2020-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX on behalf of XXXX Date : XX/XX/2020

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 2020-12-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX  of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned Above have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/24 or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.

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 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: FL

Complaint narrative:
I am looking for a good rate to refinance my home. I saw a rate of 1.75 % for 15 years with zero fees and zero points advertised by RealFi mortgage in XXXX when I searched with my loan scenario. There was an option to provide my details and the loan officer  would get in touch. XXXX XXXX - NMLS # XXXX | Company NMLS # XXXX was the loan XXXX who reached out to me from XXXXXXXX  and he was very ignorant about the advertised rate and mentioned that the 1.75 % rate would involve a {$2100.00} origination costs. The loan officer even promised the same via email. Since I was convinced by his promise I accepted for the hard enquiry on my credit score. After he pulled the credit and even when I am in exceptional credit category he provided me a loan estimate where the origination costs is {$3700.00} which is {$1600.00} more than the promised origination costs. When I enquired about it he said {$2100.00} was the discount points and there will be fees on top of it. But according to his written promise In email the origination costs which is the section A of loan estimate is {$2100.00}. This has caused my credit score to drop drastically and when I talked to his manager XXXX XXXX regarding this, he was not ready to help. I feel cheated by the XXXX lender and I would expect the consumer protection forum to intervene in this and provide an appropriate solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
on XXXX XXXX, XXXX I received a letter form synchony bank that they closed my care credit account which I have had since XXXX. The account was paid up in full since XXXX of XXXX. The letter I got said that information from XXXX was why they closed my care credit account. I have two other synchony accounts, XXXX. credit card and one credit card which I use. when I talked to a supervisor at credit credit about why they choose to close my account no reason other than what XXXX told them. I feel this is very unfair way to treat a paying customer as I had the account current. now more than ever these company need to understand how important there customers are. thank for your time. 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 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, I received a letter from Flagstar Bank indicating the flood insurance on our property does not meet their minimum coverage. The directions in the letter said to increase the flood coverage by {$19000.00} within 45 days or the difference would be applied to my loan. On XXXX XXXX, 2020, I emailed a copy of my flood insurance declaration page which showed the increased coverage to the email address requested. I received an email back from Flagstar noting receipt of the information and their files would be updated shortly. I called on XX/XX/XXXX and XX/XX/XXXX to confirm receipt of coverage. The rep said yes and everything was ok. On XX/XX/XXXX, I received a letter from Flagstar saying I never increased the coverage and their took money out of my escrow to buy coverage. I called Flagstar and an XXXX of the leadership team said she had to hand in a ticket to waive the Flagstar added coverage and to reimburse me. She said it would take 2 weeks. I called back and Flagstar keeps saying they have to hand in a ticket and it will take 2 weeks. They promise to call me back but never do. I wrote a letter on XX/XX/XXXX and they never responded. I have called every several weeks since then with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After noticing a 64 point notice on my Equifax report, I attempted to contact Equifax for an explanation. After being sent in automated circles, then cut off from a live person by an automated survey, I was finally able to talk to a live person. However, this person could not explain the 64 point drop to me, and only gave me vague possibilities, which I easily deflected by facts in my credit history. This Equifax representative told me that no one at Equifax could explain the reason behind my credit score, and that it was not possible to make an in person appointment to have my score explained to me. Over the last two weeks, there have been three senseless changes to my Equifax credit score : A decrease of 56 points on XXXX/XXXX/2020, an increase of 56 points on XXXX/XXXX/2020, and a decrease of 64 points on XX/XX/2020. There have been no drastic changes in my managing of my finances, and no justification for these changes, especially the most recent change. Equifax has been extremely unhelpful, and in my opinion is deliberately manipulating my credit file. I need this to be addressed.

Company response to consumer: Closed with explanation