vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Amex XXXX card opening bonus points were revoked after Amex paid it. The reason was that there was a refund. After the refund occurred, I did not meet the conditions of the bonus. But Amex didn't revoke the bonus points immediately after the refund occurred. Rather, it revoked the card opening bonus after the promotion expired. This was about XXXX months after the refund. 
Since Amex doesn't have cumulative spending showing, the fact that they paid the bonus makes me think that I've met the payment threshold to get the bonus. 
I think Amex should have at least emailed me to notify me, but they didn't. 
If I knew I didn't meet the requirements, I would have cashed in my points a long time ago. I was a loyal customer for XXXX  years. There is no way I could have made a mistake on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: VA

Complaint narrative:
flagship credit acceptance was paid off threw my insurance company after the vechile was declared totalled from hitting a deer on my way to work the general insurance company sent out a check it had the wrong address they sent out another check it had the wrong address XXXX months later the general sends out another check in the mean time flagship credit acceptance has reported my loan past due and messing up my credit 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX I came across these unauthorized inquiries still reporting on my credit report on XX/XX/2024. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: WA

Complaint narrative:
My loan that I obtained years ago to finance a roof on my house was just transferred to a new " servicer ''. I received a letter stating that none of the terms of my loan would change and that my auto payments would continue. I then received emails and text messages that my payment was late, which has been auto-paid every month since the beginning ( XXXX ). I attempted several times to contact customer service with no success. I sent multiple emails with no response and spent hours on the phone on hold waiting for someone to answer. Today, I finally reached a person who had to send me a special email for me to log into my account, which also did not work. When I asked why my auto pay did not renew, she did not know why but said I could set up a debit card or auto pay with a bank account for now fee. I asked if there was a fee for a credit card payment ( as this is how I have paid for quite some time to earn points/cash back on my card ) and I was told that they DO NOT ACCEPT CREDIT CARDS. How can they just change the terms of the loan like this and no longer accept a form of payment that I have been using for years with no notification or options?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global Solution LLC reported a debt of {$810.00} to my credit. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.

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 2024-08-21 00:00:00
Product: Credit reporting 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX I came across these unauthorized inquiries still reporting on my credit report on XX/XX/year>. I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My credit report shows two hard inquiries from Pentagon CU ( PenFed ). I have never heard of this credit union and there isn't even one in my state ( Arizona ). I have NO communication from PenFed regarding this " auto refinance loan '' they claim I requested ( no emails showing I initiated this loan, no emails showing the outcome of supposed loan I applied for ). They state I consented to my credit being pulled for an auto refinance loan. I requested multiple times for proof that their " records '' show me consenting to these credit pulls ( because I did not consent ) and they have failed to respond with any proof. I requested the supposed application I submitted and nothing provided. They simply keep saying their " records '' show that I consented. They eventually stopped responding after I kept asking for proof. Consumers be wary of this credit agency as they are taking people 's information and pulling their credit fraudulently.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXX XXXX XXXX, orignal creditor is XXXX I requested an original copy of contract with my signature around 30 days ago. They have not provided me with the contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXX XXXX solutions, orignal creditor is bridgecrest. I requested an original copy of contract with my signature around 30 days ago. They have not provided me with 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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
This is not my debt. It belonged to my ex-partner XXXX XXXX. The debt is from XXXX It has been paid by XXXX. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me and 2 a debt that was closed in XXXX  which is not even collectible. The company has placed the debt that doesn't belong to me on my credit report. I have called and replied to them to remove the collection as it is from XXXX  and belongs to XXXX XXXX and not XXXX XXXX. They have people outside of the US calling me threatening me and threatening to take me to court. 

Account # : XXXX Current Creditor : STEEL RIVER SYSTEMS , LLC Original Creditor : XXXX XXXX XXXX Current Balance : {$750.00} Dear XXXX XXXX This notice is from STEEL RIVER SYSTEMS , LLC. Your debt was previously owned by XXXX XXXX XXXX ( XXXX ), it was sold and is now owned by Steel River Systems , LLC. 



Company Information : Steel River Systems , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX From XXXXXXXX XXXX Monday to Friday https : //www.steelriversystems.com You may email us with your option selection. Send email to XXXX To take advantage of this offer, you must confirm acceptance of an offer within 15 days of the date of this letter. Steel River Systems , LLC is not obligated to renew these offers. 
Make your check payable to Steel River Systems , LLC. Include the reference number XXXX Payments, Correspondence, or Complaints may be sent to : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX or XXXX You may call us to discuss which option is best for 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 2024-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX a division of Webster bank has XXXX my online access and frozen my funds. They did not notify me of why this happened. After several attempts to access my money and speaking with customer service I received an answer that there was a freeze due to a transfer request. XXXX requested I send a copy of driver license and bank statement via an UNSECURE email. I had no choice but to comply and send the documents. I received no reply after the information was sent. I called the following day and was told it would be resolved in XXXX hours. I spoke to them the following day and was told it would be another XXXX hours. Not being able to access or transfer my funds has caused other accounts to be overdrawn and for me to miss payments to other businesses. Unacceptable to withhold a customers funds with NO information on a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I was served papers regarding my XXXX XXXX XXXX from Rausch Sturm, LLP. My wIfe then contacted Rausch Sturm, LLP, stating an attorney had been retained for bankruptcy. Asking why they served me with this knowledge. They stated they were aware and knew they couldn't contact me. She was told they could do that and that we should contact the bankruptcy attorney. I contacted my bankruptcy attorney to see if anyone had reached out to him as we had no knowledge that the debt had been sold. He confirmed he had not been notified either. Here are the issues I have with this company ; 1. An initial demand letter was not sent to me to give my 30 days to dispute/validate the debt. Which is a violation of the FDCPA.

2. Due to that my right to dispute was taken from me. 
XXXX. When i received the documents suing me, I noticed the creditor was listed as XXXX XXXX, not Rausch Sturm. When Rausch Sturm purchased the debt, they became the creditor and XXXX one would be the original creditor. 
XXXX. When the debt was sold, the required notification was not sent/received from XXXX XXXX or Rausch Sturm . 
XXXX. Why is a bankruptcy account/ attorney retained even purchased by debt buyers? 

I will also say that the agent my wife spoke with at Rausch Sturm was not very helpful and/or empathetic. It is hard enough and stressful enough being in a financial bind and trying to file bankruptcy. Last thing I need is a rude representative who is not helpful and a debt buyer who is trying to recoup their few cents on the dollar by suing someone they clearly knew had an attorney retained for bankruptcy. 

In addition to filing with CFPB, I am also filing with the XXXX, the attorney general and I have contacted an attorney regarding these violations.

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 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I recieved a phone call to call them back. When i called them back i was speaking to a representative of Evergreen Professional. The rep claimed I owed {$300.00} something dollars in medical debt for a service in 2021. I requested a letter detailing the medical debt they claimed I owed. The representative on the phone refused to have the information sent. According to the FDCPA, they are not allowed to refuse to validate my debt.

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 2024-08-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX, XXXX, XXXXXXXX XXXX  ( Original Creditor : 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, XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: CA

Complaint narrative:
Would like for XXXX to provide the original purchase agreement to show they are the sole and full owners of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation