vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Healthcare Finance Direct LLC.
State: IL

Complaint narrative:
Hello CFPB, I hope this message finds you well. My name is XXXX XXXX. I am writing to you regarding a contractual matter involving XXXX, which has led to considerable challenges following their bankruptcy filing on XX/XX/XXXX. 

On XX/XX/XXXX, I entered into an agreement with XXXX for XXXX  goods and services. The terms of the contract stipulated monthly payments processed by Healthcare Finance Direct, LLC ( HFD ). While I received the initial box of retainers, the cessation of XXXXXXXX XXXX services, coupled with contradictory statements from HFD, constitutes a breach of our contract. Despite numerous attempts to reach XXXX via phone, mail, or website, they are unresponsive. 

Following their bankruptcy, crucial aspects of the services, such as the lifetime guarantee, dentist interactions, and treatment continuation, have ceased. Nevertheless, XXXX insists on monthly payments, leaving millions of patients stranded. I sought clarification on the legality and fairness of these actions, particularly concerning the uncertainty surrounding the original agreement and threats of collections from HFD.

Of particular concern is the discrepancy in roles outlined in the contract. While XXXX is designated as the creditor, HFD claims to be the lender, contrary to the contract terms. Moreover, during a recent phone call with HFD, they admitted to being the creditor/borrower, despite their role as a payment processor in the contract.

In response, I suspended all payments to XXXX through my XXXX XXXX account. However, HFD continues to demand payment, insisting that I owe them despite their lack of clarity regarding the recipient of these payments post-bankruptcy.

This situation is deeply concerning as it undermines the integrity of our contractual agreement and raises questions about consumer rights and justice. I would greatly appreciate your guidance on navigating the complexities arising from XXXXXXXX XXXX bankruptcy and HFD 's actions.

Furthermore, I wish to inform the consumer financial protection company that on XX/XX/XXXX, HFD contacted me, urging me to halt disputes with my bank regarding payments made to XXXX. Despite my inquiries about the legitimacy of these payments to a bankrupt company, the representative was unable to provide satisfactory answers. 

Thank you for your time and attention to this matter. Your assistance in resolving this issue would be invaluable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc
State: MI

Complaint narrative:
I called XX/XX/XXXX after receiving multiple calls from their XXXX number. I asked for a debt validation and verification letter to which the woman on the phone refused to send it out. She provided me with a reference number to pay the bill online but said she will not send out a letter. They have not only called me multiple times throughout the day/week they are making it even more difficult to verify information for said debt if there is any because I couldn't know as I haven't gotten any verifications or validations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
i paid off a debt for DNF and need it removed off my account.

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 2024-03-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Everest Receivable Services Inc.
State: NY

Complaint narrative:
Everest Receivable Services , Inc keeps calling me every day and asking me to confirm my social security number before disclosing why they are calling me.

When I asked why they were calling me, they said " We have a file on our desk and want to verify if it's the right person ''.

They still keep calling after I told them I would not disclose my information without them first telling me what the call was about. 
The phone number that calls me is this 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 2024-03-20 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: ND

Complaint narrative:
I went to XXXX XXXX XXXX XXXXXXXX XXXX and they got me approved for a XXXX XXXX XXXX with XXXX miles and I could not get a price of the truck no matter how many times I asked until I got the paperwork signed and finished then I found out that it was costing me XXXX and that is with a XXXX down payment and I have been having problems with the truck since I got it and no one wants to do anything with it besides changing more money

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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I opened a CFPB complaint ( XXXX ) stipulating *specifically and only* that LVNV/Resurgent admitted *on a recorded line* that they did not and could verify that I ever agreed to open an account with the original creditor, and instead only had account statements from after the falsely opened account. 

Their " response '' was to completely ignore that and then send the statements from after the card was opened, intentionally ignoring the actual substance of the complaint. 

The complaint should not have been closed, because it very clearly objectively had not even been addressed, let alone resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am found to be a victim of fraudulant transactions made to my account that I in deed took into my own hands to file a dispute and attach all necessary documents to support my concerns and liability of my checking account with Chase bank. I Filed a police report and sent in evidence to show that I was a victim of somehow a person having access to all my belongings stolen in a car accident which left me with a XXXX XXXXXXXX XXXX XXXX along with my daughter on XXXX XXXX  and I need help changing this denial discions to collect what I was lost out from with the fund totalling up to {$40000.00} while being under XXXX XXXX and taking care of my daughter that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while someone got access to all my accounts and taken all the funds out to use for their preferences of what I did not make. PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I wrote XXXX  checks for XXXX XXXX on XXXX and XXXX  2023 of but lost the checks and somebody fraudently deposited for the second time on XXXX  2023. I been going to the bank for almost a year for this problem but the bank says its not their problem. Therefore I filed TD bank fraud referral form XXXX XXXX and XXXX XXXX for XXXX checks on XX/XX/2023 store associate XXXX XXXX at XXXX XXXX. It has been XXXX  months since I filed and then I was told to approach another TD bank because they dont handle such fraud case and I went to another TD bank and made another affidavit of Forgery by XXXX XXXX at XXXX XXXX TD . Now they are telling me call customer care which has no answer but to got the nearest TD bank. Im totally frustrated at this point. I feel now they want to bury my case under paperwork and kill my time and patience.

I beg the concern authorities to please look into my matter.

Thanking you sincerely. 
XXXX XXXX Check number. XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  have been included in the XXXX XXXX XXXX class action settlement, which proves the pattern of wrongdoing related to predatory lending. Due to the nature of this settlement, only federal loans are applicable with no relief for borrowers plagued by privately held loans. The predatory lenders ( started as Sallie Mae but converted to Navient ) are also complicit in taking advantage of borrowers using falsified data and high pressure tactics to rack up insurmountable loans. I am one of the borrowers who has been paying private loans with high interest rates for years, with barely a decrease in balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
LOBEL FINANCIAL SERVICES ACCOUN WITH A BALANCE OF {$27000.00} IS INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  account number XXXX is in violation according of 15 USC 1681b reporting inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  account number XXXX is in violation according of 15 USC 1681b reporting inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX -Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXXHas violated my rights XXXXAccount # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2024-03-20 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: PA

Complaint narrative:
My name is XXXX XXXX. I recently reviewed my XXXX, XXXX and Equifax credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a repossession on my credit report by Equifax. My name is XXXX XXXX and I am deeply concerned about the negative impact this erroneous information is having on my creditworthiness. 

Upon reviewing my credit report, I discovered that Equifax has listed a repossession from XXXX under account number XXXX. However, I want to clarify that I did not receive proper notification about this alleged debt. As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to rectify the situation. 

I am aware of my rights as a consumer, and according to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations, creditors are required to provide proper notification before taking actions such as repossession. This notification should include an acceleration notice, an opportunity to cure notice, and a post-repossession notice. I have not received any such notifications regarding the alleged debt from XXXX. 

In light of the above, I kindly request that the CFPB investigate this matter and compel Equifax to provide evidence of the notifications they claim to have sent me. Specifically, I ask for the certified receipt with my signature on it, demonstrating that I indeed received proper notification about the debt and subsequent repossession. Without such proof, I believe that my rights as a consumer have been violated. 

Moreover, I urge the CFPB to instruct Equifax to remove the inaccurate account of repossession from my credit report immediately. This incorrect information is unjustly damaging my credit score and financial reputation, which can have severe consequences for my ability to secure loans, housing, and employment opportunities. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ; XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-03-20 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ; XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: LEXISNEXIS
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, CB/VICSCRT account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I reviewed my XXXX mortgage statement, and I noticed a default interest charge for {$920.00}. I called the Shellpoint Mortgage A Division of Newrez service line, and no one could explain to me why I was being charged default interest. I reviewed my mortgage statements and I found that I have been charged default interest for months. This is the list of charges. 

XX/XX/XXXX {$130.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$570.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$2600.00} Total {$5800.00} The following is the definition of default interest. Default interest is a higher rate which is payable if a party to an agreement fails to fulfil an obligation to the other party. Also, default interest rates are the additional fees charged by lenders to borrowers who fail to make timely payments on their loans. I have never missed a payment on this loan. I have never been late with a monthly payment. I always pay on time. In fact, I have paid {$230000.00} in principal over the past 64 months far more that than what was scheduled. So, I have paid my loan on time and I have paid {$170000.00} + in additional principal. I am more than meeting my obligation. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Charge for services not as advertised! Close my dispute without my proof or any doucmentaion. When I complained about this they reopen the dispute and I attached the supporting documents in which they closed the dispute in less than 24 hours in favor of the merchant again! 

This below is the responce for services not as advertised! 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : CareCreditSM Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your inquiry. I appreciate you bringing this matter to my attention. 



We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have experienced regarding this account. 



We have researched your complaint. Based on our investigation, a credit will not be issued for the sale of {$750.00}. Your claim was presented to XXXX XXXX XXXX. A copy of their response is enclosed. The dispute has been resolved in favor of the XXXX XXXX XXXX. Additionally, we have enclosed signed documents where you acknowledged any possible side effects and XXXX XXXX XXXXXXXX XXXX nonrefundable policy. 

At this time, we consider the dispute closed. If you have any information or documentation in support of your dispute that was not previously provided to us, please contact us at ( XXXX ) XXXX, and we will be Happy to re-evaluate your case. 

The disputed amount is now subject to interest charges, although deferred, and will be used to determine your minimum payment due. Please refer to your next billing statement for your balance and payment due date. The terms and conditions of your account have not changed.

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 2024-03-20 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: Advanced Resolution Services Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation