vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am expressing my frustration and concern regarding the lack of communication from Equifax regarding my claim ( Claim number : XXXX ) for the recent data breach. I filled out the claims form several weeks ago and have yet to receive any updates or confirmation on the status of my claim. I mailed it out XX/XX/XXXX and it was received on XX/XX/XXXX which is where I got the Claim number from. 

As a customer who has been affected by the data breach, I am deeply concerned about the safety and security of my personal information. I am seeking reassurance that my claim is being processed and that my personal information is being protected. 

Furthermore, I have requested reimbursement for damages caused by the data breach, and I have stated that the amount of reimbursement I am seeking is {$20000.00}. However, I have not received any confirmation that my claim has been received or any updates on the status of my claim. I have documented over XXXX in losses to date and probably missed more than I added. 

The breach has caused significant financial and emotional distress for me. I have spent countless hours trying to mitigate the effects of the breach, including monitoring my credit reports and accounts, changing passwords, and notifying my bank and credit card companies. In addition, I have incurred expenses related to credit monitoring services, identity theft insurance, and other fees. 

I urge you to take immediate action to address this situation and ensure that I am protected from future data breaches. I would appreciate your prompt attention to this matter and an update on the status of my claim ( XXXX ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank issued credit card ( XXXX ) ( XXXX XXXX ). PNC Bank sent letter to Cardholder dated XX/XX/XXXX stating that the XXXX XXXX credit Limit had been decreased from {$19000.00} to {$7000.00} effective immediately. XXXX XXXX through PNC Bank had been issued based on value customers with qualified credit credentials and there were no exceptions as to the use of the card, nor its line of credit or credit limit were an issue. 
PNC made no indication that the 'credit limit ' were subjected to future increases if any or decreases. Although the credit limit was a starting point for future increases if any. 
Card Holder contends PNC Bank ( Core Card ) credit card issued by PNC Financial Services Group ; discriminated against cardholder, based on several items listed ; which aren't considered derogatory nor adverse to justify a decrease of {$12000.00} based on a credit report ( which from time to time ) fluctuate based on borrowing power, spending or debt to income ratios. Credit Reports provided by Credit Bureaus don't make banking decisions ; decisions are made by the individual institution. In this case PNC FInancial Services Group ; targeted this account and decreased the credit limit ; due to ( 1 ) cash advance transaction on the card { which was valid & qualified } and the other accounts on the credit bureau report ; which are valid and aren't adverse in any way. This practice made by PNC to pull credit data in order to purge accounts and/or make financial decisions as to who better serves their needs, must be looked into. If Consumers wish to carry high-limit credit cards and use the line of credit and remain in good standing, with payments, stay within credit line limits, submit proper credentials ; no reason for banking institutions to take away the initial line of credit. PNC Financial Services Group based their decision on other reasons ; and targeted this account and cardholder without sufficient notice, nor other review in order to make final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
Collection agent  was abusive, unwilling to listen, and had not reviewed my email sent 17 days earlier. Agent claimed that RMP systems did not allow her access to the content. 

XXXX, XXXX, XXXX  is the medical practice in question. This practice switched billing systems to XXXX in XX/XX/XXXX and failed to record my payments. I only learned of this situation after receiving collection notices and calls from RMP. I proved the balance was paid to XXXX by sending XXXX my medical spend account statement showing the payments to their business. I discussed with this person- XXXX XXXX refused to involve a billing XXXX or provide a name, but did finally send me a statement weeks later showing my balance as {$0.00}. I also requested that XXXX pull back the collection agent, but RMP refuses to stop collections. 

I sent the {$0.00} balance statement to RMP on XX/XX/XXXX at the email address provided by their agent - XXXX RMP called today XX/XX/XXXX and I learned that my email has not been reviewed or acknowledged. Verbally abused  by the collection agent for asking if they had received and reviewed my email and was told that RMP internal systems are dis-functional and she could not review. RMP has no interest in the actual state of my account and only want to collect on the account they have paid to acquire regardless of the current state balance. 

Trying to collect on XXXX balance account that is the result of a practice billing error due to IT system switch over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/23 I wrote equifax a dispute letter, disputing late payments on my student loans because I was never late. I asked them to re-investigate their outcome on my dispute and send me proof of verification. I sent this to Equifax certified mail # ( XXXX ) and equifax has not honored my request by re-investigating this matter, and has yet to send me proof of verification, To which is a direct violation of several of my rights under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase increased my XXXX several times over the last 9 months without notification and without cause. My rate rose from 20.74 % to 25.24 %. I paid off my account upon discovery several days ago. Had I been notified prior about the increases, I wouldve taken the opportunity to pay off the amount at the lower rates. When I called into Chase, both an agent and supervisor stated I shouldve received notification and put me on lengthy holds to find the dates of any notifications. They were unable to find any. Ive also reached out to Chase via XXXX XXXX, and was told Id receive notifications about any changes to my account. I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, Equifax falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, Equifax claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I opened the American Express XXXX and XXXX card in XXXX after entering XXXX XXXX. Despite AMEX stating on their website that Military Lending Act protections are applied automatically, I was charged the annual fee for both cards. 

XX/XX/XXXX - Platinum Membership Fee appeared on my statement - {$690.00} XX/XX/XXXX - Gold Membership Fee appeared on my statement - {$250.00} I called American Express shortly after, expressing my concerning. The representative said that the protections would be applied and I would be reimbursed. I was not. 

This year, I was again charged the annual fees. 
XX/XX/XXXX - Platinum Fee - {$690.00} XX/XX/XXXX - Gold Fee - {$250.00} Totaling {$1800.00} in fees that I should not have been charged per the XXXX. 

Since being charged the fees this year ( XXXX ), I have reached out to American Express multiple times. 

XX/XX/XXXX : A customer service representative on the online chat stated I was ineligible for XXXX because XXXX debt incurred after XXXX XXXX. '' This is a blatant misrepresentation of XXXX protections and is incorrect information. 

XX/XX/XXXX : I called AMEX directly who stated I would receive information within the month. I did not. 

XX/XX/XXXX : I called AMEX directly. The representative looked over my information and stated that they saw my requests in there from last year. He stated he would submit the information again and I would hear back within the month. I did not. 

XX/XX/XXXX : A customer service rep on the online chat stated that they would submit an XXXX application for me and ignored my attempts at telling them that I had already tried this multiple times. He stated I would receive information in XXXX weeks. I have not. 

XX/XX/XXXX : A customer service rep on the online chat stated that the eligibility is still being processed and recommended I " may be instead eligible for the XXXX benefit. '' Again, this is a blatant misrepresentation of what I want and they refuse to acknowledge that they owe my the annual fees. She then directed me to a representative that would cancel my cards- which is not what I want. 

Upon request I can provide : - Credit card statements reflecting all XXXX charges - My military orders showing my XXXX XXXX time began prior to opening both cards - A statement from the XXXX XXXX XXXX XXXX reflecting my XXXX XXXX status

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have called American Education Services ( AES ) 3 times over a period of time since XX/XX/XXXX through XX/XX/XXXX. 
I had been told during the first two phone calls that I didnt have federal student loans and I couldnt receive covid student loan relief during the time period when Covid allowed suspension of fed loan repayments. 
During XX/XX/XXXX, I read into the details of my loans and how to tell if they were federal student loans, which I confirmed is what I do hold. 
I spoke with a representative this morning, XX/XX/XXXX around XXXX XXXX  and she confirmed that I had federal student loans but that AES was a third party and some loans AES hold are not eligible for student debt relief because theyre not considered/treated a federal loan anymore. I responded how is that fair. I take out and sign a contract to repay a Fed loan and its not my fault they were sold to AES. I didnt agree to those terms and I dont believe that can be correct or legal. So, Im requesting a review of this policy. Can you please clarify the accuracy of this information? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: IA

Complaint narrative:
Ive been getting emails about a payday loan debt from a lawyer claiming there is an active warrant for my arrest.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from 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 non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from 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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a range of 4 to 6 credit card pre-approval offers from Capitol One monthly and every time I apply Im denied. I previously had a successful auto loan paid off with Capital One but can not understand why constantly send me credit card offers when you know you are not going to approve me. This has been an ongoing issue for nearly two years that only stack hard inquires on my credit report thus hurting my overall score. It is literally a cycle of confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
During XXXX of XXXX I had a financial hardship due to the covid-19 pandemic I reached out to my mortgage service Loan Care and they placed me on forbearance doing that time I was not required to make payments. I applied for the North Carolina Homeowner 's Assistance Fund ( NCHAF ) and was approved on XXXX the XXXX XXXX in the amount of reinstatement for {$9300.00} and 3 months going forward for the month of XX/XX/XXXX, in the amount of {$460.00} XX/XX/XXXX, in the amount of {$430.00} and for XX/XX/XXXX, in the amount of {$460.00} giving a total amount of assistance received {$10000.00}. the payment was submitted to my servicer lawn care However, it was not posted correctly. I've been in contact with Loan Care in reference to the discrepancy in posting. Loan Care had not addressed the issue as of XX/XX/XXXX. Loan Care does not apply payments made on my account, however the send notices of nonpayment while the payments made are in an unapplied funds account. I request that Loan Care provides a monthly mortgage statement via mail and the has not happened yet.

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 2023-03-21 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: Mercedes Benz Financial Services
State: MO

Complaint narrative:
An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX XXXX XXXX XXXX not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf as a consumer. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates XXXX XXXX for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. XXXX, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy. 
Mercedes Benz Financial is not an affiliate with such entities such as XXXX, XXXX, XXXX, XXXX, XXXX, ETC. 

Sharing my vital non-public personal information is a clear violation. 15 USC 6802 ( b ) Attached is the law located on FTC government website & FTC ID Theft Report. The FCRA govern Consumer Reporting Agencies to remain fair & accurate under 15 USC 1681 Congressional Findings ( 3 ) ( 4 ) ( b ) NOT Financial Institutions.

Company response to consumer: Closed with explanation