vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy

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 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
i was XXXX at the time of this school being attended there is nothing to do with me and XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I did purchase from XXXX online store for {$1100.00} and I requested signature on my package or hold the package on the carrier location and after I finished my work, I will pick it up but XXXX ignore my request and delivered the package without my signature so I called them and they told me they will send a replacement and on that time they confirmed to me that they will do a signature required or hold it on the carrier location but again I didnt receive the package so I called XXXX again and I asked them that I dont like to order it online and I need the full refund. 
They told me that they will do an investigation with the carrier and they send me an updates to my email after they finished their investigation. 
I got an email from XXXX stated that My refund is being processed and I already received the refund on my chase credit card on XX/XX/XXXX. 
On XX/XX/XXXX I saw on my Chase credit card another charge for the same amount {$1100.00} so I called chase customer service to ask them to give me a credit for {$1100.00} because its duplicated so they gave me a credit for that amount on XX/XX/XXXX. 
On XX/XX/XXXX I saw a charge of {$1100.00} ( chase described this charge as an adjustment that made on XX/XX/XXXX however I didnt receive any adjustment on XX/XX/XXXX from chase I only received the refund from the XXXX ) again on my chase credit card so I called chase customer service and they told me that an error and they give me a credit again on XX/XX/XXXX On XX/XX/XXXX Chase charged my credit card again for {$1100.00} and I was trying to solve it but they refused to help me and they refused to open for me a dispute claim so I am feeling its a discrimination against XXXX. 
So please I need your help to get the full amount of the refund of {$1100.00}. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I attempted to place a temporary thaw on my Equifax credit report in order to apply for a loan. I could not remember my password, so I submitted a request to reset my password through their online system. I answered the questions to verify my identity and requested an email link to reset the password. I never received an email from their company. I tried this same process several times that date and received the same results, many questions but no email reset. The following day, I attempted this process again with the same results. I then called their customer service number to inquire about this problem and was informed that their system was down due to an upgrade. The representative directed me to attempt the password reset later. On XXXX XXXX, I went through the online verification process again, but still received no email. I then contacted their customer service. I was told to try the password reset later because of system problems. On XXXX XXXX, I was still unable to access my account or obtain a password reset. Several times over the following days, I attempted to resolve this issue via email reset requests and phone calls. Finally, on XXXX XXXX, I contacted Equifax via phone, completed the verification process verbally, and was informed that though I had correctly answered the questions and verified my identity, I could not reset my password because my request was being investigated by Equifax. However, the representative could not explain why my account was being investigated. I dont know what is going on or why Equifax is not allowing me to reset my password, access my credit file, or investigating me for a simple password reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am an XXXX XXXX  who moved to XXXX in XX/XX/2018, BBVA compass is the bank I first chose and everything worked well with the online banking despite the fact that I had move to XXXX   since XX/XX/XXXX till now. It worked all this time, but now that I have a large amount of money coming through international wire transfer they blocked it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2019-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX, examined documents assigned to XXXX County ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC 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 2019-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have asked for verification that both of these loans belonged to me by sending me the original documents that were signed because it basically looks as if they are trying to charge me for loans I didnt take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: SC

Complaint narrative:
In XX/XX/2012, examined documents assigned to XXXX XXXX ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC 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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I had a XXXX  service and I had a deb with them that was paid trough a 3rd party company CREDENCE RESOURCE MANA the  debt was paid to this company for about 2 years now and they still showing in my credit report as not action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am unsure. The account has been paid on time from the time it has been opened. Last year the balance was lower to XXXX when I run into some financial issues. I tied to place an order and the card was declined. I was not sent noticed why or that the account had been closed.

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 2019-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES
State: WI

Complaint narrative:
Hello, I believe that I was victim to a fraudulent phone call regarding my student loans. I received a call from XXXX XXXX, stating there were some recent changes to my federal student loan that needed to be discussed. I was given reference number XXXX and asked to call back at XXXX, the originating call was in Kentucky XXXX. The prompting system I received sounded very legitimate and was like that I have encountered in the past when calling fafsa. However, I left a message and never got a call back. This took place on XX/XX/19. I know there have been scams like this in attempts to get a voice recording that can be used for fraudulent activity. At the time I was not thinking about it and I have had changes to my financial student loan repayment recently, so I was not suspecting anything. However, when I didn't get a call back I was thinking about it and remembered hearing about a similar scam. What can I do to help protect myself and my accounts moving forward? 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX card closed my account with out my A knowledge didn't even get me a letter or not this is not right at all I have not three of my account closed I will wish that you have them stop this it is not right at all also I feel if you pay your bills on time that should not be able to watch your credit report and then feel that I the right to close your account or even Lower the amount of or Balance it is not right at all I hope someone can please help me and put a stop to it. Thanks u Ms. 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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: CO

Complaint narrative:
I am a XXXX person, since a car accident in XXXX. 

In XXXX, XXXX, I lived in an apartment at XXXX XXXX in XXXX. NE, for XXXX days. I was never allowed to see inside the apartment before moving in, and had to wait some time after paying my deposit to move in. When I did move in, I discovered that environmental toxins in that apartment made me very sick. I immediately contacted the agent who had rented the apartment to me. She assured me that moving out was fine, and that I would owe nothing more than the month for which I had already paid, because she had a waiting list of people whod be happy to get that apartment. Because I had never moved in fully, I left everything at least as clean as when I moved in. 

I have since been diagnosed with XXXX XXXX, a neurological condition that has, among other symptoms, high sensitivities to chemicals. This explains the physiological and inescapable reason why I couldnt live in this apartment, which was right next to the buildings laundry room, and therefore filled with the chemistry of others laundry detergents, dryer sheets, etc. Ive known for much longer than my diagnosis has confirmed that I was chemically sensitive. And had I been able to actually see this apartment prior to move-in, I would not have moved in. 

Months later, I discover that the management company for XXXX XXXX has decided to tack on an {$850.00} move-out fee, something which I was assured upon move-out that I did not owe. Sadly I didnt get it in writing, but I was told by the rental agent that she had contacted her supervisor, and they were waiving the fee for me because of my illness, and because they could fill the apartment immediately. 

The first notice I had that I owed anything was from a collection company. I learned that XXXX XXXX has sent notice of this fee to the mailbox associated with the apartment where I had spent only XXXX days, and had never received any mail! Of course, I had neverand still have neverseen the letter, nor any documentation of this fee. Ive made phone calls to the management company, and they assert that because they decided after the fact that I owe this, I have no recourse. I have, of course, disputed this fee with XXXX, but it continues to appear on my credit report, and to affect my credit score. 

I understand that this is a rather common predatory practice by apartment management companies, and I just want this item removed from my credit report. Thank you so much for whatever you can do to remedy this situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
At the time that I received this bail bond I was making payments for about a year but ended up losing my job and was having financial hardship to keep on making payments. If I can please have this removed It will help me get back on track to a fresh start since this is the only thing I have on collections. I am trying to apply to get a car out to get to work since I need a car and better credit to be able to get one out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am a North Carolina Resident and I believe I'm a victim of Mortgage fraud. In XXXX of XXXX, I applied for a Mortgage loan with NationStar Mortgage. I requested a Conventional loan, but was told by the loan officer that the Conventional loan would not benefit me, so he assigned me to an FHA loan. The process was very messy and took approximately 7months to close. 

I finally closed on XX/XX/XXXX. At closing, I made a down payment of {$100000.00} ( which was approximately 33 % of purchase price ). The purchase price was {$310000.00}. At closing, I had to pay {$3700.00} in upfront FHA fees and to date, I'm paying $ XXXX/month for MIP fees. I was told by Nationstar that I could not use the {$5000.00} earnest money payment I had made as part of the downpayment, so I brought an additional {$5000.00} to closing. I thought that if I put 20 % or more down on a purchase, I could avoid those FHA fees. 

Last year, I consulted with my Closing Attorney because all along, I felt like NationStar committed fraud against me. The Attorney told me that they handled my loan with unethical practices and that I could pursue a lawsuit against them, but it would be costly. I do not have the money, time or energy to pursue a court case against NationStar, so I'm filing this complaint in hopes of some type of restitution. 

Beginning on XX/XX/XXXX, NationStar is increasing my mortgage payment from {$1200.00} to {$1700.00}, which is an increase of {$470.00} per month. 
I am out of work on XXXX, battling XXXX XXXX and can not afford this increase, as I'm only receiving 65 % of my pay. I reached out to NationStar to resolve this issue, but to no avail was not able to resolve it. 

PLEASE HELP ME RESOLVE THIS ISSUE. 

THANK-YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently was made aware of the following after I pulled my credit reports XX/XX/XXXX and realized I had identity theft again I reported it to all credit reporting agencies on XX/XX/XXXX And prior in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After researching to identify my thieves I received some documents from the city. Of XXXX XXXX XXXX clerk XXXX XXXX from the deeds and it had recorded the following loans paid off in XXXX Jpmorgan chase Manhatten loan for XXXX And two loans paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX XXXX And a second loan paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE these loans I have requested certified copies of all of these loans and transaction info Where and who received these loan monies dates Name of their bank The deed to this property was transferred to me in XX/XX/XXXX- via divorce settlement. 
No response from Jpmorgan chase Manhatten Also I believe that there were additional loans thru Jpmorgan chase. Without my consent On my properties at XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: Credit Karma, LLC
State: NY

Complaint narrative:
I checked my credit report on Credit Karma and noticed a hard inquiry by : XXXX XXXX, FL XXXX XXXX XXXX XXXX/XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? Credit Karma says to contact the creditor and the creditor says to contact credit karma and XXXX, its a big circle and no avail. I want this removed from my report. Thanks

Company response to consumer: Closed with explanation