vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : XXXX XXXX XXXX Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, XXXX XXXX XXXX did the same damage to my score to have my credit score drop many more points. 

My XXXX card had a credit limit of {$3000.00}, to which I only had a balance of {$130.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When XXXX made the decision to lower my credit limit from {$3000.00} to {$200.00}, XXXX created the exact negative impact on my credit report that XXXX claim to be against. Before XXXX action against my excellent payment history with XXXX, I was at 5 % usage to my credit limit. Now that XXXX XXXX XXXX has lowered my credit limit, Im at a usage of over 60 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. XXXX XXXX XXXX actions have falsified my credit report to say that I am using over 60 % of his available credit when in fact I was only using 5 % of his available credit limit. 

With the facts being stated above, I am asking XXXX to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the XXXX is in the business to intentionally damage the credit scores of the XXXX card holders or any individual that make payments to them for their clients. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What is this complaint about? 

This is a complaint about my banks refusal to correct an error in a transaction sent via a Mobile Money Transfer. 

What type of problem are you having? 

My bank, JP Morgan Chase, has refused to reverse an erroneous mobile money transfer I initiated to another Chase account holder who is a stranger to me. Chase has full control over both accounts and the ability to reverse the transfer, but declined my request and in effect, is protecting the fraudulent party who they claim has refused to return the funds of {$1200.00}. 

What happened? 

I am a Chase account holder and user of the XXXX XXXX bank-to-bank transfer service. 

On XX/XX/XXXX, I initiated a XXXX payment from my cell phone to my wifes cell phone of {$1200.00}. However, I mis- entered the last digit of her number which resulted in sending the payment to a strangers cell number. I contacted Chase that same day once I realized the error and was provided a claim # XXXX and was told they would contact me soon. 

On XX/XX/XXXX, I call Chase Customer Service, but was told their systems were down and advised to call back within 24 hours. 

By XX/XX/XXXX, I had not been contacted, so called Customer Service again and was told my claim was in process and that Id be contacted within 5 business days. 

As of XX/XX/XXXX, I had not received any call backs or paper confirmation from Chase and I normally do whenever I have issues with my account such as disputes. 

On XX/XX/XXXX, I called Customer Service and asked to speak to the Escalation Dept. and spoke with Sr. Specialist, XXXX XXXX who informed me that another Chase agent attempted to contact the erroneous recipient of my transfer but that the effort to recoup was unsuccessful. He added that the recipient was also a Chase account holder. 

I asked that he initiate a reversal, but he refused. I asked for the recipients name, but he said he could not reveal that to me. I asked to escalate to a Director or VP, but he said he was the final stop for escalation. I asked what other options I have to recoup my money to which he only apologized. 

I requested a copy of my claim details and the notes reflecting Chase efforts to recoup my money, however XXXX XXXX, refused explaining that the claim information was wholly owned by Chase and that I would need to have them legally subpoenaed in order to obtain them. 

XXXX XXXX explained he could not provide any further identifying information about himself including last name, agent or other ID # nor a direct phone number for security purposes. 


Who are the people involved? 
Complaint Issued by : Myself, Chase account holder and transfer issuer Bank : JP Morgan Chase Bank Customer service/escalation : XXXX XXXX Fraudulent recipient : Owner of mobile # XXXX Identity unknown but confirmed to be a Chase bank account holder by JP Morgan Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX recently placed two ( 2 ) collection accounts on my credit reports claiming account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX '' ) and account # XXXX., ( Credit limit or original amount {$1900.00}, opened XX/XX/XXXX ). 

I have sent four ( 4 ) certified letters asking XXXX XXXX to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

The information they are sending to me does not show any proof that these debts are mine. What they send has my name on it with purchases I have not made, and there is nothing with my signature or social security number on it. I also sent certified letters disputing these debts to the Credit Bureaus but they also state they are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife and I opened a savings account at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX. We have had a checking account at this bank since XXXX when Chase acquired XXXX XXXX XXXX, the original bank that opened the account ; our account at Washington Mutual was opened at least 10 years prior to the acquisition. On XX/XX/XXXX we went out of town for 2 weeks. Upon return on XX/XX/XXXX, I had trouble accessing my bank accounts on line and went to the bank branch above for help. I was told that both the checking and savings accounts were closed and could not be reopened due to some difference between the account name and our revocable living trust documents that were submitted when we opened the savings account. The checking account has always been in the name of our trust. The bank said that they sent us a letter on XX/XX/XXXX regarding the account closing that said we needed to contact them before XX/XX/XXXX to keep our accounts open. However, since we were out of town this entire time, we had no knowledge of the closings and no notice until our return. No phone calls or other attempts to notify us in a timely manner were made by the bank during this time. When we returned home and received this letter on XX/XX/XXXX, it mentioned only the savings account and did not mention the checking account at all. The checking account was frozen sometime between XX/XX/XXXX and XX/XX/XXXX for debits, including ACH debits on XX/XX/XXXX to the IRS and California Franchise Tax Board which made our tax payments late and will probably incur penalties and interest. However, my social security deposit was accepted and was posted on XX/XX/XXXX. The bank branch said that a check for the account balances in the amount of {$76000.00} would be mailed XXXX XXXX XXXX on XX/XX/XXXX. However, the check, although dated XX/XX/XXXX, was not received until XX/XX/XXXX. Where was it for a week? This meant that we had no access to our cash for a week. We believe that Chase bank 's actions are at best unethical and at worst illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: LA

Complaint narrative:
I applied for 2 lian forgiveness programs and was denied each time. I applied for XXXX loan forgiveness, which I had met all of the criteria. I was denied because they said my loans were not eligible because I consolidated them, putting them in a different timeline which was out of the eligibility guidelines now, and they were the ones who told me to consolidate. I also applied for Public servant loan forgiveness, after working in a school and job that met criteria for the l8an forgiveness, I also made 120 consecutive payments to meet criteria for forgiveness. 
I was told my loans were eligible but after submitting the application was denied again, stating my loans were not eligible now. There solution was to put mt loans under a different loan name and start the process over again. 
These two incidents should be on file with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My credit limit with XXXX XXXX was {$2000.00} I have a balance of {$1000.00}. I have a excellent payment history with XXXX XXXX. With having a excellent payment history and only using 50 % of my limit, this would give me a good rating for my credit. Now since XXXX 's have chosen to reduce my credit limit to {$1100.00}, this now has a negative impact and gives a false factor to anyone who views my credit report. Instead of showing I was about 50 % now my credit shows 95 %. That's a false report that negatively impacts my credit score.

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 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
I continue to receive letters from a Debt collection Law firm called Hunt & Henriques, Attorneys at Law, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. Hunt & Henriques have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired XXXX  XXXX with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into Hunt & Henriques, Attorneys at Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
My wife and I used a company called XXXX XXXX  to rebuild an engine on our vehicle. Because the amount was more then we could afford to pay up front, XXXX XXXX  suggested we use their finance company called XXXX XXXX XXXX. I applied for the credit on XX/XX/2018 and was approved for the 90 day same as cash. Yesterday ( XX/XX/2018 ) my first payment came due for XXXX XXXX to withdraw the agreed amount from my bank account. At XXXX I received a text stating they need my help regarding a returned payment. I called them back and they said because I gave them the wrong debit card number I no longer qualify for the 90 same as cash. The card number was correct except the very last number instead of a XXXX it should have been a XXXX. I did not fill out the information on the application it was done over the phone with the guy from XXXX XXXX. He told me he already had my correct debit card number because I gave it to him to pay for the application fee. I also have two receipts showing that he had the correct debit card number because he used it to charge a {$500.00} deposit and to run the {$90.00} application fee. He then emailed the contract for me to review and digitally sign, which I did. However I did not see the mistake when I reviewed it. I knew nothing about the input error and have tried to correct it. I have talked to three different people people at XXXX XXXX XXXX and they refuse to honor the 90 same as cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
ill try to make it simple, i gave permission for my credit to be pulled by these company 's 1 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. 2 ) XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, These company i listed had my writen consent to pull my credit, all others do not have my written consent and there for i want them removed unless they can provide transunion a document with there letter head and my signature they dont have permission or pressumeable permission, i was not informed nor had any idea that all these banks was pulling my credit report. please as under FTC creditors or any person pulling a report must have permission.

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 2018-04-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I found a charged-off account from Chase Card that does not belong to me on my credit report. I reached out to Chase XXXX by certified mail requesting that they provide and prove the Validity of the Account. Chase Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent Chase Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. Chase Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, Chase Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and XXXX ) from Chase Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, Chase Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX Chase Card XXXX XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I was denied by XXXX XXXX XXXX reporting agency?? Who is that and why is my credit information being denied by this company?

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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and Equifax ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX Card XXXX XXXX XXXX XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: TX

Complaint narrative:
I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including Experian, XXXX, and XXXX  ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX  Card XXXX XXXX XXXX XXXX DE 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 2018-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On or about XX/XX/XXXX both my and my wife 's credit scores, for no apparent reason, dropped 12 points on TransUnion credit scores. 

After checking all of our accounts, on XX/XX/2018 I filed a Request for Investigation with TransUnion, asking them for the reason why both of our credit scores suddenly dropped 12 points. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent a partial credit file of our joint accounts at XXXX XXXX XXXX XXXX. TransUnion did not answer my question as to the reason for the sudden drop on our credit scores nor did our credit scores change. 

On XX/XX/XXXX I placed an order, @ {$9.00}, for my credit score. On XX/XX/XXXX TransUnion sent me a copy of my credit score and credit file. Nothing in my credit file was any different. 

On XX/XX/XXXX I sent a letter to TransUnion asking them why the did not answer my question as to what caused the sudden 12 point drop in my and my wife 's credit score? I in the letter stated " So please, in plain english, tell us why our credit scores dropped 12 points suddenly on XX/XX/XXXX ''. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent my wife a copy of her credit file and on the same date, under file # XXXX, TransUnion also sent me a copy of my credit file. 

I want to know from TransUnion why our credit scores suddenly and for no apparent reason dropped 12 points on XX/XX/XXXX. 

Please Help resolve this matter. 
Thank You.

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 2018-04-21 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: Manhattan Beach Venture, LLC
State: TN

Complaint narrative:
I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days

Company response to consumer: Untimely response