vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I had a 10k credit limit with XXXX XXXX. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay XXXX with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! Chase also decreased my credit limit as well all around the same exact time XX/XX/ 2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had a 10k credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Professional Debt Meditation updated my credit files with inaccurate collection information. Professional Debt Meditation, are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX XXXXXXXX. I have not received any services from Professional Debt Meditation, I am not a party to their agreement with XXXX XXXX XXXXXXXX, I have not agreed to pay/ tender anything to Professional Debt Meditation, I have not provided any releases of my living arrangements to Professional Debt Meditation, and I have no idea how Professional Debt Meditation received my private information. Upon researching this company ; Professional Debt Meditations website where they are requesting payments is not secure, Professional Debt Meditation does not list a point of contact, they have several different addresses reporting to the credit bureaus and multiple phone numbers. I have not received any documentation from Professional Debt Meditation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. As per the XXXX XXXX XXXX : Professional Debt Meditation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. Professional Debt Meditation does not have my permission to contact me by phone. Mail only. My address has been provided on their validation notice CM # XXXX 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 2021-12-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have a HELCO with US Bank. We had a Covid-19 hardship. My husband had to switch jobs last year, due to a lack of work and a decline in pay. He found a new job and took a $ XXXX pay cut. During that time I contacted both US Bank and our first mortgagee ; both allowed us to stop making payments and advised that there would be programs to assist us after the fact. 

I contacted our first mortgagee, explained that we were in a good position to resume payments, and completed the modification process with no hassle. It was remarkably easy to contact them, get into the program and complete the modification. We have been making payments as scheduled. 

For the past several months I have tried, most unsuccessfully, to do the same thing with US Bank. Each time I call it's " not the right department '' ; after an hour on the line, I'm passed to no less than 5 people and ultimately, the call is disconnected. I have a family and a job and other volunteer positions. I do not have the time to spend countless hours calling US Bank in a fruitless search for the " right department ''. I've tried to ask for supervisors, the correct dept. and always get a phone number of where I'm being transferred. 

I have called the following numbers on these dates : XXXX : XX/XX/XXXX ( I called twice ), XX/XX/XXXX & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX ( I called twice ) XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX : XX/XX/XXXX ( I called twice ) & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX On my last attempt to call, I was given an email address ( XXXX ) to send my request and was told that I'd get a response in 2 days. I sent an email on XX/XX/XXXX ( 13 days ago ) and have received no word back. 

I have received a letter dated XX/XX/29 regarding foreclosure action, and I'm very angry. I just want to have my HELOC modified so that I can make affordable payments. 

Thanks.

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 2021-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently set up automatic payments to be deducted from my kohls charge card. On XX/XX/20 Kohls processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called Kohls got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on Kohls behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received a text message from venemo with a login code to verify my identity. So I reported it to venemo because this was the 3rd time I had gotten this text within 2 weeks. I reported it changed my password and went to see my doctor and my card was declined, so I login and see my account is suspended for violation of PayPal terms. I've emailed venemo support on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent them everything they asked of me to verify who I am and my account tomorrow my XXXX check is to be deposited and they are refusing to let me into my own account. I have spoken with 8 different people at venmo never getting the same person twice. I need my money I am XXXX and need to see my doctor but I can't without money upfront. They are illegally holding my funds after I've done everything to show them I am the owner and I am the one who reported the possible fraud on my account. Why would they punish customers like they do instead of going after the IP ADDRESS of the one who tried to get into my account. My phone is logged in to it and it knows my phone what is the problem. I'm on the verge of XXXX I have XXXX XXXX and if they fail on me it will be venemos fault solely for refusing to release my money even after I explained to them I have a XXXX emergency. They need to train their staff better and set one person on an account or supervisor instead of 8 different people and none of them knew or understood anything that had previously been said or happened. I need my money now I am XXXX. They won't release my funds to be able to see my doctor we can't and have been instructed not to come into the hospitals or urgent cares with fever or the offices unless we call first and make arrangements to be seen because of covud I can't go places like that because I'm at risk and they are stopping me from being seen and my life is on the line

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have contacted Mr. Cooper at least twice a week and have not received any responses in a timely fashion. I have asked them repeatedly to include my XXXX XXXX deferrement payment to the back of the mortgage which THEY clearly told me prior to the Covid 19 pandemic that i have many options avaialable and not to worry about a lump sum payment. I do know that i have a Conventional mortgage and per the guidlines with XXXX XXXX and XXXX XXXX i am allowed as a consumer to have options other than a LUMP SUM payment. Mr. Cooper does not respond in a timely fashion, and every time i call them to speak with a representative they tell me NOT TO make a payment, and not to worry about paying the differnece owed due to the forebearnce period. They keep sending me notices saying i owe {$10000.00} and keep calling me on XXXX which i work and i have told to call me Monday-Friday anytime. I would like to pay my normal payments asap, I WANT TO keep my home, and i am NOT able to pay {$10000.00} to bring my account current since MR. Cooper is the servicer who reached out to me and encouraged me to enroll in the Forebearance COVID 19 program. Please help me! They are not responsive and are giving FALSE information to clients and i need help asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WAFD BANK
State: IL

Complaint narrative:
Today XX/XX/XXXX my contact from Washington Federal, XXXX XXXX called me to tell me that the bank received my payments to the escrow I made earlier this year and that my mortgage payment went down from {$1300.00} to {$1200.00}. Which I am grateful and believe it happened because I contacted CFPB. 

I already made the payments for XXXX and XXXX. So I asked XXXX to please put the difference of {$110.00} into my PRINCIPAL. 

XXXX said that she will add some of the money into the principal but the system always adds the extra into paying the late fees. She suggested I paid the {$600.00} in fees accumulated so she can follow my instructions. The bank has refused to reduce or eliminate their high fees of {$42.00} per transaction. My fees been caused for the difficulty to make mortgage payments on the XXXX system. 

Is my understanding that the mortgage bank needs to follow the customer payment instructions and it seems that Washington Federal wants to make its own rules.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Amerisave mortgage corp has been harassing us because of their clueless servicing department. They have threatened us that we do not have insurance ALTHOUGH it has never lapsed and have now illegally modified our mortgage from 14xx to 25xx. 
I'm sure its against federal law to do this! My insurance company is still the same, coverage never lapsed and their servicing dept is incompetent and do not read or have destroyed the proof of coverage sent to them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TN

Complaint narrative:
After receiving my credit report I found several late payments that I would like to get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/2021, I applied in Zales Jewelry store for a {$5000.00} line of credit. On XX/XX/2021, Comenity Bank notified potential XXXX XXXX account applicant/customer # XXXX, XXXX XXXX XXXX XXXX through letter to provide Government issued I.D., Social Security Card and a current bill in order to verify my address and identity. Immediately I submitted request documents through email address at XXXX. XXXX credit bureau notified me that my identity was checked and verified by Comenity Bank on XX/XX/2021. I contacted Comenity Bank 3 separate times to try and fix the delays and discrimination towards my application. But I had no success but rudeness. On XX/XX/2021 Comenity Bank sent me a letter of denial due to not being able to verify my identity. I called the denial department and the representative named XXXX was rude to say that I have to go back into a Zales jewelry location and reapply. On the Comenity Bank computer data base, application reference # XXXX, had records of receiving valid US veteran Louisiana government issued drivers license, official Social Security card, and XXXX XXXX Bank credit card bill. I was denied a re-consideration of myZales Jewelry reference # XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is attempting to collect a debt and repossess a vehicle that they can not repossess according to the law. I have written several letters to them about this and they are not acknowledging federal law. I want them to cease and desist and respond accordingly to the letters that I have sent them. 

Ally has sent me letters repeating the same thing over and over and I have sent them all the information that they have requested. 

Ally Bank is threatening to repossess my vehicle and that is against the law. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent them two ( 2 ) letters with all the details that were required and the information that they asked for and they keep responding saying that " We are unable to conduct a reasonable investigation at this time because your letter does not specify what information Ally Financial is furnishing that you are disputing. '' This is untrue. I sent them everything. Why do they keep saying this?

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 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I went into XXXX XXXX two and a half weeks ago to purchase a car And I needed a co-signer so I asked my friend XXXX XXXX to co-sign for me. XXXX put the whole car contract in her name without permission they also lied to me about everything the monthly cost of the car note, the place I was signing on the contract. They refused to let us see the contract they told us to come back when the bank was open to pick it up. They just had a lot of fraudulent practices. my friend and I went in there to return the car and they refused. She called your company who was willing to terminate the lease and the guy at XXXX who gave your representative and us several different names refused to terminate the lease. This whole ordeal was fraud. I never received a contract to date. The car needs repairs, and I was told that the car payment would cost me {$530.00} a month, it wasnt until XXXX asked for the contract from your company that showed me a payment that I can not afford. XXXX is saying you changed the amount to $ XXXX per month. I can not afford the vehicle at that rate, and its wrong for the contract to be in my friends plus she doesnt work, and I do not want her credit to be impacted her name she not be in the loan and she doesnt have access to the car or drive it. I am begging you to terminate the contract.

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