vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: MD

Complaint narrative:
This loan was established in XX/XX/2023 ( approximately XX/XX/2023 ) for XXXX  treatment via XXXX XXXX XXXX. The loan was marketed as a XXXX XXXX XXXX XXXX payment plan and is managed by Healthcare Finance Direct. 

XXXX XXXX XXXX has materially breached our contract for XXXX services. Recently, XXXX XXXX XXXX filed for bankruptcy protection. According to my former XXXX XXXX XXXX treating provider, XXXX XXXX XXXX is no longer a legal entity. All global operations have been shut down. In addition, XXXX treatment is no longer available. What's more, I have been advised by my former treating provider to cease any current treatment under the XXXX XXXX XXXX plan and seek treatment with a local provider. As stated above, this a material contract breach. As such, Healthcare Finance Direct is not entitled to collect any further payments on behalf of XXXX XXXX XXXX. If Healthcare Finance DirecXXXX continues collection efforts, I will file an additional complaint with the Consumer Protection Division of the Maryland Attorney Generals Office and/or file suit in state court to obtain injunctive relief to stop any further collections and damages. 

I am attaching emails from my former XXXX XXXX XXXX treating provider as well as notices from XXXX XXXX XXXX and Healthcare Finance Direct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC
State: AR

Complaint narrative:
Per complaint # XXXX P & B Capital has stated that the original creditor has recalled the account # XXXX and they are no longer reporting. As of XX/XX/2024 P & B Capital Group has falsely reported this account as an open account with a balance due. This account needs to be closed and deleted from my report immediately. P & B Capital Group is in violation of section 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WLCC
State: CA

Complaint narrative:
I have unsubscribed from emails, I sent in a do not call letter. They called me on XX/XX/year> after I sent them an email on XX/XX/year>. I sent in the letter and they have continued to send me emails after I have unsubscribed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: OK

Complaint narrative:
ooked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter asking them to send me documentation with signatures from all parties involved and I never received these documents. I have attempted to get said documents as well as have these companies remove these items. I have also filed complaints with the CFPB to have these accounts a few times. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate because these fraudulent accounts still appear on my report. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

And one more thing according to 15 USC 1681s-2 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. 

ut they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to file complaint against American Express concerning misleading promotional offers associated with the addition of authorized users to my Amex Blue Cash Preferred Card. This issue pertains to a discrepancy between the promotional offers presented to me and the explanations provided by American Express customer service representatives, leading to confusion and a misleading consumer experience. 

As an American Express cardholder, I have previously added authorized users to my account under clear promotional terms without issue. However, a recent experience has prompted this complaint. Following a promotional link, I added another authorized user to my account under the impression that I would receive a {$25.00} credit after this new user spends {$500.00}. This offer was explicitly marketed to me as a benefit for adding an additional authorized user. 

Upon inquiring about the progress of this offer with an American Express online chat agent, I was informed, contrary to the promotional materials, that the promotion only applied to the first authorized user ever added to my account. This crucial piece of information was neither clearly communicated in the initial promotional offer nor in any subsequent communications I received. 

To substantiate my claim, I have included screenshots from my American Express account dashboard, where promotional links continue to encourage the addition of new authorized users with the promise of a {$25.00} credit. This ongoing promotion suggests that I remain eligible for the offer, thereby contradicting the information relayed to me by the American Express customer service team. 

Furthermore, the language used in the terms of the offer " Add one or more new additional card members... and you can earn {$25.00} for the first Additional Card Member that spends {$500.00} '' implies eligibility for this promotion beyond the first authorized user. This ambiguous wording has contributed to my confusion and the misleading nature of the offer. 

Given the discrepancies between American Express 's promotional communications and the information provided by their customer service, I am seeking the CFPB 's assistance in addressing this matter. I request a thorough investigation into these misleading practices and appropriate rectification to ensure transparent and fair treatment for all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XXXX rep horrible Manager by the name XXXX manager escalation department is incapable on resolving an issue and extremely rude I request upper mananger to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I got approved for a line of credit of {$7000.00} from Care Credit XXXX Syncrony Bank ) XX/XX/XXXX. I was informed that I would have a XXXX interest as part of their XXXX month promotion, then XXXX XXXX XXXX after XXXX months. I received a derogatory mark on my credit report for having my credit utilization at almost XXXX XXXX. I made payments made on : XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for XXXX XX/XX/XXXX for {$190.00} and XX/XX/XXXX for {$230.00}. I received interest charges since XXXX XXXX, but my concern is the interest charged of {$940.00} on XX/XX/XXXX. I had no idea why I would've been charged almost {$1000.00} in interest fees. I would have never agreed to pay anything like that... I would have just opened a new credit card and paid the interest fees on a normal credit card. I was incompetent when I signed anything agreeing to pay {$950.00} in interest fees on top of all other interest fees. I have explained to the company that I did not understand why I would be charged that much of interest and the rep told me I signed it and I am responsible to pay. I told him that I was reaching out to the Consumer Financial Protection Bureau and he said " ok .... '' then ended the call. Can this please be reviewed? I can not afford to pay this and I don't know my options.

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 monetary relief
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-29 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: OH

Complaint narrative:
These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently made timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have 2 ATM transactions that I did not make on my debit card, when I submitted the claim, wells fargo denied my claim because " this transaction was made my putting the card into an ATM and using the PIN. '' I understand that, but I did not physical nor otherwise make those transactions. One was done in another city when I was not there. I called and tried to dispute and was denied again. So I requested an escalation and was told my complaint would be submitted and responded to within XXXX to XXXX hours.

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 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

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 2024-02-29 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: CA

Complaint narrative:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have federal student loans that were once serviced by Nelnet. Last year, the federal government transferred them to a new servicers, XXXX. I realized recently that the loans all appear twice on my credit report : they appear correctly under XXXX, but Nelnet is still listing all of the same loans that got transferred away long ago. As a result, my credit report is now showing that I have double the student loan debt that I actually do. I twice submitted a request for this to be fixed through XXXX. The first one was rejected, so I called up for help, and they modified the wording and resubmitted. Nelnet then rejected the request again in less than 24 hours. Nelnet 's own system, including their telephone support system and their website, all show my loans as having a {$0.00} balance because they were transferred, but they are refusing to remove them from the score, which has prevented me from being able to get a home loan. 

I also called Nelnet on the morning of XX/XX/XXXX asking for their help. They agreed with me that they were in error and that the loans were at {$0.00}. But the next day, they still denied my request through XXXX to remove the debt. 

Here are the loans that should be removed from my credit report : XXXX XXXX EDUCATION/NELN Balance {$53000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$9800.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$49000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$18000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$9800.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$29000.00} Balance updated XXXX XXXX, XXXX DEPT OF EDUCATION/NELN Balance {$19000.00} Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint Regarding Debt Collection by Midland Credit Management , Inc . 


I am writing to file a formal complaint against Midland Credit Management , Inc. for their egregious and unfair debt collection practices, which I believe are in violation of established consumer protection regulations. 

On XX/XX/, I received correspondence from Midland Credit Management , Inc. regarding account number XXXX, which purportedly represents a debt owed of {$890.00} dollars, debt they acquire from XXXX XXXX XXXX  The letter not only demanded payment but also imposed an unreasonably short deadline for response or remittance, expiring on XX/XX/2024. This brief timeframe afforded me insufficient opportunity to verify the legitimacy of the debt and the authority of Midland Credit Management , Inc. to collect it. 

Furthermore, the correspondence included language intimating the potential escalation of the matter to legal channels if payment or response was not received within the specified timeframe. Such coercive tactics create an atmosphere of intimidation and violate established guidelines governing fair debt collection practices. 

As a conscientious consumer, I am entitled to verify and dispute debts before being subjected to legal threats or coercive measures. Midland Credit Management , Inc. 's failure to provide adequate time for verification and their use of intimidating language in their communication constitute clear violations of consumer protection regulations. 

I have taken steps to initiate dialogue with Midland Credit Management , Inc. via certified mail on XXXX XXXX XXXX, seeking comprehensive documentation validating the debt in question and their authority to collect it. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly and decisively to safeguard the rights of consumers and uphold the integrity of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TX

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

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 response to consumer: Closed with explanation