vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
For the past year, I've been targeted, harassed, retaliated & discriminated against by Comenity Bank! They have single handedly ruined my credit simply because they can! I have several cards w/them and as soon as I use a card, they decrease the limit making my utilization seem extremely high! I went from a score of XXXX to a score of XXXX to a score of now XXXX! I NEVER missed a payment this year to date! The reason behind this retaliation is lengthy, but I have all of the recorded calls to support my claims! They just informed me yesterday that XXXX voluntarily sends my credit report/score to them and they decrease my limit based on that information however, XXXX denies doing this bc they don't have the technology or manpower to do it. Every letter the bank sends me, states a variation of lies & misinformation! 
I'v been in a deep XXXX bc of this. I haven't had credit in over XXXX yrs and I've decided to start reestablishing my credit so I can secure my future, but everytime they decrease the limit on any random card of their choosing, my scores drop by dozens of points affecting my ability to see any hope of my dreams coming true! The irony is... the amount of proof I have towards this is astounding. 
Their egregious, malicious and retaliatory actions has affected me so badly, I've often considered taking my own life bc they're destroying all hopes of my buying a home! Scores fluctuate, but how can they decrease limits know that score rise again as well?! No on that I've spoken to experiences this with them! 
At the age of XXXX, my dream was to build enough credit within 3 years to buy my 1st home, but they are intentionally & single handedly obstructing any & all progress I make toward accomplishing that! This ENTIRE ordeal has been so traumatic & trying ... I now have to take a mental health break from reaching out to them bc I'm currently seeking medical attention for the severe XXXX this has caused me! 
I have even gone so far as to seek legal advice, but no one specializes in credit fraud, or malicious credit card practices! I have no idea what else to do outside of end my own suffering bc Comenity Bank has completely ruined my life! 
I'm starting over at XXXX and this company is maliciously targeting any progress I make... I don't think I even have it in me to continue fighting a losing battle. 
They've recently gone so far as to cancel a {$450.00} credit card that I NEVER even got to use! 
It's as if someone is watching all of my accounts and everytime I use a card ... within 30 days they're revoking hundreds of dollars of unused credit! I wonder if the same person is behind all this retaliation bc if so, I need to know why and who's doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I had insurance coverage through XXXX separate federal entities and I do not understand how I have a debt with this company. When I called this company to verify my concerns they gave me a number to another company that the debt was sold to because they do not deal with the company that managed their billing anymore. I was unsuccessful contacting anyone at the phone number given to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/2022 I received a letter from Chase Bank that they are permanently closing my personal checking and savings account and I must withdraw all my funds no later than XX/XX/2022. 

I called Chase Bank to get a explanation or reason since I have been a loyal customer. They did not provide any explanation and said my account is flagged and I can not open an account with Chase Bank forever. This is very suspicious since I am not involved in any illegal activity, clean credit score history and no criminal records. I have been a Chase Bank member for over 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
A fraudulent charge was added to my card I called Avant right away they got the charge removed from my balance it was a {$100.00} charge the very next day there was another {$100.00} charge on my card I called them several times to try to find out what it was finally they put me in touch with somebody in the fraud department I called her XXXX times and never got one return call meanwhile charges are adding up from this {$100.00} the payments and the late payment so finally one day after calling the fraud lady again the next day the {$100.00} was off of my balance however the accured money from that {$100.00} was still on my balance since then they have reported me to the credit bureau for money I do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
XXXX lied to us and induced us to make an over {$11000.00} payment under the basis that we needed to reduce our principal to value ratio to 75 % to have our PMI removed. However, upon further examination, they failed to adhere to XXXX XXXXXXXX XXXX XXXX regulations ( excerpt attached ). Section 8203.2 ( b ) of the XXXX XXXX XXXX  guide states that : " The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements, the LTV ratio must be 80 % or less. '' Their own appraisal notes on Page 2, attached, that there was a contributory price of {$60000.00} with updated flooring, water heater, all new appliances, and new fixtures. We repeatedly, in multiple emails and correspondences mentioned that we were having the PMI removed due to substantial improvements. We even specifically noted on the signed authorization that we were doing so because of " substantial improvements ''. There is no reasonable basis to find that completely changing the flooring, appliances, water heater, etc. of a condominium does not constitute a substantial improvement. 

This servicer fails to adhere to the regulations of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
This account doesn't belong to me and is reporting fraudulently - Remove ASAP- I have disputed with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Im XXXX XXXX and am declaring that i am a first-hand witness to the facts of this offence. 

Im aware that Ally Bank/ Ally Financial continues to violate me and my consumer rights and protections provided by the federal government.

Ally Bank/ Ally Financial is responsible for having my vehicle illegally repossessed without any type of writ, warrant, or other type of judgment or order against me.

Ally Bank/ Ally Financial is using coercive tactics in order to obtain payment when again the alleged debt has never been verified under the penalties of perjury.

Ally financial/ Ally Bank has envoked the Fair Debt Collections Practices Act and is accusing me of owing an alleged debt that has never been verified under the penalties of perjury and by and through their actions is resulting in substantial harm against me.

Ally Bank/ Ally Financial actions has also resulted in gross negligence due to this company repeatedly sharing my personal and private information invoking the XXXX XXXX baily act and and the privacy act of 1974 and never having my direct consent to do so. these actions are harming me substantially. 

Ally Bank/ Ally Financial has severely ruined my reputation by reporting my personal and private information to private entities namely Credit Reporting Agencies and never gave me proper disclosures before furnishing my private information Ally Bank/ Ally Financial has committed and continues to commit several crimes under title 18 including but not limited to bankruptcy fraud, false claims under the bankruptcy code, extortion, aggravated identity theft, theft, mail fraud, conversion, embezzlement among other crimes. 

Ally Bank/ Ally Financial is BREAKING THE LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i ahve 4 previuos employer listings that are wrong and need to be deleted and 2 prviuos addresses that are not mine and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX I went to a Dentist appointment and tried to use my Care Credit card issued by Synchrony Bank. I was told by the Dentist that they could not find an account in my name using the last four of my social. On XX/XX/XXXX, I called Care Credit and the automated message said I had an account ; and, when I spoke to a representative they informed me that my account was closed by Synchrony. I asked if I could reopen it and they asked to run my credit report and I agreed. I was then informed that I was denied credit and my account would stay closed by Synchrony. Yesterday, XX/XX/2022 I received my " denial letter '' from Synchrony with reference to my application for my care credit card. The denial reason was " existing account with our credit program. '' So, do I have an account or not. If I do, why did you state that I didn't and then run my credit report again? Synchrony Bank continues to play around with my credit and ruin me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a balance transfer of {$10000.00} was made by Wells Fargo from a XXXX account. 

This balance transfer was NOT authorized. 

The XXXX account was owned by my husband XXXX XXXX XXXX, who had passed away on XX/XX/XXXX of XXXX XXXX XXXX days before this transfer was made. I was a user on this card, but not a co-signer and not responsible for the account. 

I have spent hours talking to every department at Wells Fargo XXXX Credit Card, Fraud, Executive office. I went through a mediation program, but during the mediation discussion they decided the issue did not fall under a mediation category. 

They have not been able to substantiate any approval for this balance transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for an extension of credit with Chase for the XXXX XXXX XXXX, I received an adverse action letter stating that I was denied because my XXXX Credit Report. The CFPB states that credit reporting is optional, title 15 USC 1602 Definitions and rules of construction subsection ( f ) ( " credit '' ) the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Subsection ( g ) ( " creditor '' ) refers ONLY to a person ( 1 ) who both regularly extends etc. Subsection ( e ) ( 'person ' ) means a natural person or organization.

With that being said as the natural person & creditor I can not be denied my right to my unlimited credit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I began the process of refinancing my equity loan with XXXX. The loan was transferred from XXXX to XXXX XXXX in XX/XX/XXXX. This loan has never been late and each payment was made in full on time. I planned to complete renovations on my home in XXXX before I encountered an unexpected delay that caused the renovations to continue into XXXX. During the month of XXXX, I closed on the refinance on XX/XX/XXXX and expected the disbursements to occur within 3-5 days of closing. In fact, I received the disbursements on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX XXXX was transferred to XXXX Bank. At this point, I was not notified from neither XXXX XXXX or XXXX Bank that the payment was late. I was only notified that the loan has been transferred. On XX/XX/XXXX I was notified that Dovenmuehle Mortgage ( DMI ) reported my account 30 days delinquent. On XX/XX/XXXX I reached out to my loan advisor at XXXX for clarity and was partnered with the Care Team of XXXX to correct this reporting. 

I reached out to DMI myself and was denied twice even after submitting the requested documents. I submitted the email showing that my loan advisor advised me not to send a XXXX payment since the loan was scheduled for payoff ; my credit report showing the delinquent reporting ; and the email verification to show the date the loan closed. The first response from DMI stated the account was reported in good standing. The second response denied my request for changes. The care team of the financial institution that I am refinancing with reached out to DMI directly. They explained the timeline and how I was not at fault ; but, DMI responded and declined the request to make any changes. 

I have sent another email asking for a goodwill adjustment. I have never been late on any accounts. I have always maintained an A+ relationship with all banks and financial institutions. The missed XXXX payment was a mistake. This loan was being refinanced and transferred at the same time. I hope that with the help of CFPB that the reporting can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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