vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bullet Recovery, LLC.
State: KS

Complaint narrative:
To whom it may concern. I have been trying to contact a collection agency by the named of Bullet Recovery to work out an affordable payment plan because theyve been taking large amounts from my paycheck since XX/XX/XXXX. Every two weeks they take approximately XXXX or XXXX a month. I cant afford this and Ive tried to contact them by leaving messages but no one will call me back. I went to a garnishment hearing and the judge told me to dispute this matter with them directly. In XXXX I went into the office and spoke with a worker whom I showed all the bills Ive occurred since the garnishment that I cant pay down because of this. She told me they would call me back but never did. Ive left messages including my number and they will not respond. I informed this company that I have children that need to eat and I can barely provide food. My rent is XXXX dollars so after the garnishment Im barely left with anything and have to decide if I can buy food with the remaining money or pay on a utility bill. The garnishment happened prior to XXXX and I was unable to get my kids gifts or make a XXXX dinner. Im behind on all by bills due to an extra XXXX being taken away every month. That amount is too high and close to my rent. Its like Im paying for another home. Ive told this company Im willing to make affordable monthly payments but I can not afford what they are taking. In XXXX, I was no longer working for the company Im employed at and the garnishment was to be released but they did not release it. When I started back work they were to resend the debit information and send new forms notifying me of a potential garnishment but they did not and went right into garnishing me. This is illegal and unfair business practices. Especially seeing Ive called to work out another arrangement. Most agency will work with you to resolve a debit if its creating a hardship. Im unsure why no one will call me back and the office is blatantly ignoring me when I truly cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NV

Complaint narrative:
I made a reservation for a rental car with XXXX. The rental car company in question was XXXX. The Res # is XXXX with an ext ref # XXXX. I used my Chase Saphire Card ending in XXXX. When we arrived at the rental card company to pick-up the car, XXXX could not find our reservation. The counter person said, " This was between me and XXXX. '' Since I was stuck at the airport and needed a rental car, I booked another reservation with XXXX for XXXX. The above are the reference numbers for the car I received. Since I found this to be abnormal I called Chase to see if I had been charged twice. After review of the statement I found that a charge was posted on XX/XX/XXXX and one was showing authorized for the reservation I just made, infact being charged twice. After discussing this with XXXX they refused a refund saying these were non-cancelable / non-refundable reservations. Bottom line is I paid for two cars, received one, and neither Chase nor XXXX was willing to make it right with me. To make things worse, I late received an email from XXXX saying their system was not functioning properly and wanted information about the car that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
My bill for XXXX was x amount of dollars I called them them in attempt to pay it off and turns out they are saying it's much higher that's the bill no sort of interest etc on top of the price I actually called them a number of times and they are sticking with it and I don't know how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I had just received a response from Dovenmuehle regarding incorrectly charging me for two insurance policies and increasing my monthly payments from XXXX to XXXX and change. I dont understand why they have now changed my monthly payment from XXXX to XXXX for 12 months. They claim I have a shortage in my escrow which is true since requiring to get windstorm insurance and then paying the XXXX insurance out of my escrow. But increasing my monthly payments by XXXX for 12 mths because of a shortage of XXXX, doesnt make sense!! I demand to know why I am being charged this amount for 12mths! I have attached your last explanation and its incorrect. You stated the increase is only XXXX. Clearly you dont know Basic math!! Please see attached documents and explain to me how you can justify this increase of XXXX for a year!! Why dont you allow us to make the payment to my escrow for the shortage?? You are criminals! Escrow fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This debt collector has numerously contacted my family members and employer. He also calls once or twice a day. Repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect XX/XX/XXXX- convinced me I had a debt of $ XXXX. 
My wife had paid the debt via a money order to original company- XXXX XXXX XXXX , back in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX and got the {$0.00} balance due invoice receipt from the companies old ledgers, with an email from the general manager of the company stating there no outstanding debt, nor was there any transferred or charged off. 
I sent this to Pro Collect in an effort to get the $ XXXX back. 
The Manager, immediately said how wrong I interpreted the ledger, in an email, despite having the manager from the company send an accompanying email with the ledger verifying there was no outstanding debt. 
As of XX/XX/XXXX Pro collect refuses to give me a receipt for the payment that has now been collected on twice. 
I have also learned that Pro Collect was sent a cease and desist letter in regards to this before they collected again from me years later. Also that they have also failed to adhere to that letter.

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 2020-02-28 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-28 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I made a large purchase at XXXX XXXX in XXXX, Texas for over {$6000.00} with a promise of interest-free financing for 24 months. After making a down payment, I navigated to the website for my XXXX card to set up recurring payments at the calculated amount to pay off the balance before the 24 months expired. These payments were automatically withdrawn from my account on time each month for two years. At some point during this time, I was encouraged by Comenity to receive paperless statements, and no longer received them in the mail. Instead, each month I received an e-mail with the amount due and the due date. The automatic payments continued and I was excited to have reached the end of the two years of payments only to discover that I had been charged more than {$1400.00} in deferred interest because the credit card auto-payment date was 8 calendar days after the terms ended. Had I not been persuaded by Comenity at numerous occasions ( online, over the phone, and in statements ) to elect for paperless billing, I would have been informed of the pending end of my terms and adjusted my final payment. Instead, at every opportunity, Comenity urged me to stop receiving paper statements. Once I elected from electronic statements, I received an e-mail each month with the amount due and the due date for my upcoming auto payment. In none of these e-mails was there a warning of the upcoming ending to the terms of my interest period. After several calls to Customer Service, I was told that it was my responsibility to read the fine print in the statement ( which they urged me not to receive in the mailbox ). This is unethical behavior and a failure for Comenity to honor their duty of good faith in the execution of the terms of this agreement. They purposely tried to hide this date form me creating obstacles at every turn ( messages when calling their customer service, pop-ups on on their website, etc. urging me to use paperless billing ). Once enrolled in paperless billing, on several occasions I visited the Comenity website to find that the system was down, unable to display statements, and only accepting payments -- preventing me from being able to view my full statement. Comenity is engaging in unethical practices by purposely hiding this information from consumers and failing to take responsibility and blaming the customer on their oversight of the issue. Alliance Data prides itself as a loyalty company, but this is no way to build loyalty. Comenity is not a court nor the federal government, and therefore does not have a right to impose a penalty, and that is exactly what this charge of over {$1400.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a credit card with the same company as my boy friend at the same address. We recently closed all of his accounts with the bank and one is late a month which I was going to make up when I get paid Friday. It's not issue I just had a medical issue and we were unable to pay it last month. Now I go into my account, first the letter they sent in my online account stated information I requested. I never requested any information from them on XX/XX/XXXX which is when it was sent. 2ndly I never gave them permission to run my credit on this date so it probably affected my credit score. Secondly they state that they are decreasing my credit limit because my credit score has dropped. I find that false information as I looked at the one on XX/XX/XXXX where I did request an increase and i have the document my score was XXXX, the one the ran without my permission on XX/XX/XXXX went up 12 points to XXXX. So false reasons given they're doing retaliatory action on my account because my boy friend canceled all of his cards and one is past due. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Mortgage Assistance Application Loan # XXXX - Attn : Case Manager 1, XXXX XXXX Hello, I have been working with my mortgage company to modify my mortgage. Due to a job loss in XX/XX/XXXX, I was unable to meet my mortgage obligations. So I have applied with my lender to modify my loan. Recently my most recent application was over 90 days old so the lender asked me to fill out another loan modification application and financial form. And this was requested by XX/XX/XXXX. But in doing this my mortgage company on XX/XX/XXXX notified me that a foreclosure sale date has been set for XX/XX/XXXX. According to my research Regulation X of The Real Estate Settlement Procedures Act of 1974 ( RESPA ). Notes that if a loan modification application has submitted a lender can not set a foreclosure date that's more than 37 days of the application. But that's exactly what my lender has done. There has been a lot of confusion from my lender, the loan has changed management companies 2 times since the start of this application. I actually have two letters on the same letterhead dated the same but with different information. One letter states my loan modification can not move forward. And the second letter dated the same date as the first asked me to send in more documents to further review my application. 

PHH Mortgage Services enforced by XXXX XXXX Sincerely yours, XXXX XXXX XX/XX/XXXX XXXX Loan # 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 2020-02-28 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: CA

Complaint narrative:
I asked Experian to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i have a credit card with Santander Bank. on XX/XX/2020 they changed the limit on my card from {$5000.00} to {$600.00}. when i contacted them to inquire why the sudden and tremendous drop, they said an automatic drop had happened because of my credit score.  however, my credit score on that date was artificially low because of 2 factors : the account had a balance of {$5000.00} that had been paid in full on XX/XX/2020, a payment which has still not been reported to the various bureaus despite the last update being sent on XX/XX/2020. my understanding is that the usual process is for the lenders to send out updates with the latest statements ; there was a statement issued on XX/XX/2020 which showed i had a {$530.00} balance out of a {$5000.00} limit. additionally, the company they used for my score ( XXXX ) has an erroneous account which i started a dispute about on XX/XX/2020. i learned about it on XX/XX/2020, and disputed it to XXXX, and they removed it on XX/XX/2020, and for some reason i didn't immediately realize i had to dispute the account with all three credit score bureaus. 

when i contacted them about it, they said that although they could see that i had paid the account in full, they were using the credit info from XXXX in their decision to lower my limit, despite them being 90 % of my credit score. in other words they could tell my balance was less than 10 % of my limit, but decided to lower my limit because the credit bureau said i was using 100 % of my balance, because they had failed to report to said bureau that my balance had significantly changed. 

when i asked if they could reverse the decision, they said that i would have to reapply for a larger credit limit, and that they would have to do a hard credit pull to find out what my credit score is, which would probably result in no change as they have still not reported that i paid off the card. 

i use this card for most day to day purchases and for paying off bills. yes i understand the balance was high, but i had paid it off, and now it seems to me that i have been punished for doing so, as if i had just left the debt on the card they probably wouldn't have lowered the limit so much, and i would still have the {$5000.00} that i had used to pay off the debt. essentially i was paying it off with the idea that i could use it as a backup for the next few months, whereas i could have paid off around XXXX a month for the next few months and still felt comfortable about the amount of purchasing power i have.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Walmart switched to Capital One for their credit card in the last year. All existing customers of their previous credit card we transferred to the new Capital One credit card. I activated the card per the instructions and made a purchase. 

Upon wishing to make a payment and setup the online access I'm being asked for my mobile number verification. I do not wish to provide them with my mobile number. Upon calling customer service I was told they have no other way of doing verification. This is not true. I shop with other merchant credit cards such as XXXX regularly and they do not force customers to verify their mobile number. 

Moreover, as a condition of being included in the 'rewards ' program. I am being forced to download the Walmart app  and use it as a method of payment. While this is obviously optional, it speaks to the merchants efforts to force the end customer to disclose private information as per their TOS for the credit card and mobile app. A customer 's mobile number should not be a condition of service and is completely dishonest and fraudulent to imply that this is the only verification method. I'm now left with no other recourse other than to close the account and forfeit any rewards I earned for not wishing to disclose my mobile number. 

Capital One is being dishonest this is not about consumer security, this is about data mining and tracking users personal informaton.

Company response to consumer: Closed with explanation