vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL SERV, regarding a medical bill that is alleged to occur in XXXX. 

XX/XX/XXXX : I replied to PHOENIX FINANCIAL SERV, requesting information on the debt. I wrote to ask for - The name and address of the original creditor, - Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
- A copy of the last billing statement sent to me by the original creditor. 
- State the amount of the debt when you obtained it, and when that was. 

In the same letter, I formally requested that " In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' XX/XX/XXXX : Letter received by PHOENIX FINANCIAL SERV. I can provide evidence from USPS tracking. 

XX/XX/XXXX : Against my request, and without any further notice, PHOENIX FINANCIAL SERV flagged my account in at least one credit bureau as Collections and severely damaged my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I took a look at my credit report and saw LVNV Funding was reporting a negative account in collections. I never heard of this company and don't know who they are. On XX/XX/XXXX I mailed out a certified letter requesting validation of the debt and for them to correct their records. 
Months pass and still no verification of the debt whatsoever. I reached out again requesting validation of the debt and it looks like I got some fake looking paper with some numbers on it with another debt collector ( XXXX XXXX XXXX ) on there saying they are now collecting for LVNV Funding. It looks like my attempts to have LVNV validate the debt and show proof, are being met without any effort to show validation. This has impacted interest rates, housing opportunities, and completely changed my life. I have done my due diligence, I have wrote them politely asking for proof and validation and I don't get any response with factual information. I sent out my first letter over 5 months ago and have given them ample time to provide validation of the debt. This is a complete violation of my rights. 

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX I am including pictures of the certified mail receipt, the letters I sent starting XX/XX/XXXX and the only piece of paper LVNV Funding and Frontline Asset Strategies have sent me which is not anywhere near validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I leased a XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX putting a down payment down and making payments on time. It was an in-house payment center with XXXX XXXX  but recently they completely closed on XX/XX/XXXX. I was not made aware by email, phone or mail about the company closing. I cant call a customer service line or make online payments as it is closed permanently as well. As a consumer I should have been notified about this financing company closing. Online I am directed to a website called XXXX XXXX XXXX which is a debt collector. I am not in debt with American financial. Their company was closed because they are in debt. My account should not be transferred to XXXX XXXX XXXX without my consent in a contract with my signature on it. XXXXXXXX XXXX XXXX does not have license to work in the state of South Carolina. I should be able to get back all my payments made to American financial in my down payment is well. As I have been researching, it is illegal for a company to receive down payment on a vehicles once I have given my name ssn and other information. Please help me.

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 2023-03-11 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: MO

Complaint narrative:
Incorrect information on 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 2023-03-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/2023 I wrote Equifax to request old/inaccurate addresses be removed from my credit report. The only address that should be reporting is XXXX XXXX XXXX XXXX, MD XXXX. It's been well over 30 days and they have done nothing. I also sent identifying documents and a bank statement to verify my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
This is ridiculous that i have to open yet another case against American Education Services ( AES ) since they said FFEL loans are not covered by forbearance. I am actively trying to locate others who are experiencing the same issues bc this now seems predatory. Every federal loan program that is eligible for Biden relief is on forbearance except anything from AES. They scheme to find any way to charge and report negative credit info based on reinterpretation of details. They are using the letter against the spirit of the forbearance. I have a whole child to put in college by myself and cant pay my own debt. Yet my other student loan company clearly understands the assignment as they have me on forbearance with the same loan type. This is the 2nd time they have done this and got away with is based off XXXX about the type of FEDERAL loan i have AND using my personal forbearance as opposed to using the federal mandate. They are flagrantly flaunting government defiance by publicly denying adherence. PLEASE for the love of XXXX stop their predatory practices not to mention the {$16000.00} additional fees they have continued to add since interest accrual HAS NEVER STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
PROBLEM : MORTGAGE SERVICER MR. COOPER SHOWS AN ERROUNOUS XXXX XXXX ESCROW AMOUNT FOR YEAR XXXX IN DUPLICATE {$2800.00}. MR. COOPER HAS BEEN UNABLE TO SOLVE THIS DUPLICATE AMOUNT CITING THAT PARSELS AND AMOUNTS ARE CORRECT BASED ON TOWN WEBSITE. I HAVE BEEN IN CONTACT WITH MR. COOPER SINCE XX/XX/XXXX TO NO AVAIL. I AM CURRENT WITH MY MORTGAGE PAYMENTS. HOWEVER, THE SUBSTANTIAL AMOUNT OF ESCROW HAS INCREASED MY MORTGAGE PAYMENTS BY MORE THAN 10 % A MONTH CAUSING AN UNDUE HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis is still reporting a bankruptcy on my credit reports, and I never gave them written permission to have access to any of my consumer reports. I have sent them request to send me proof that I gave them written permission and to this date. I have not received any response from them. And in XXXX, i received response from them where i opt out online - but yet the Bankruptcy is still reporting to my consumer reports. See below on what federal require lexisnexis needs my written instructions to access or put anything on my consumer reports. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Affidavit of truth Someone stole my business banking card. I called them and told them what happened, and they still would not give my funds back into my account. The money stolen was over {$9000.00}, so now I'm stuck with no money to run my business and I'm in another country. I did not and never have given anyone authorization to use my business banking card never, nor have I given anyone my four digit pin number. And I told Wells Fargo this. And yet they still did not give my funds back. They have FDIC insurance for anything like this that happens, but still no funds. So i guess i will not have my business anymore. 

Claim Number # XXXX XXXX XXXX Business : XXXX XXXX XXXX XXXX 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 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synovus Bank
State: NY

Complaint narrative:
Re : XXXX XXXX  I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law. 

1. Their letter, attached, has a default date of XX/XX/XXXX. 
2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 
3. I think the original debt was a payday loan.

4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court.

5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB.

DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
on the week of XXXX i purchased a course online via webinar that i signed up for through XXXX. it was from XXXX XXXX from the XXXX XXXX XXXX, here is the link i used during his webinar to purchase the product. 

https : XXXX Throughout the webinar, XXXX pitched his product, and during his webinar before even purchasing, he presented a slide which I have attached is a screenshot that shows him offering a 30 day zero risk moneyback guarantee to try the product. 

I wanted to try the product and saw that he offered affirm payments as an option so I used affirm to open a loan for his course After XXXX DAYS of using the product, I felt that it would not work for me and I wanted to return it so I tried looking for his contact information on purchased course website. There was no contact information on the website, so I proceeded to reach out via XXXX on his profile to try and get my refund ( screenshots attached ) instead of acknowledging my refund request, he only tried to sell me something else, and from then on, proceeded to ignore me. 

I reached out to affirm payments and opened a dispute over this, and time and time again they would come back to me, saying that they were in favor of the merchant becasue as they state, the product was non refundable. 

I explained to them that it is conflicting statements to say that a product has a 30 day moneyback guarantee and also be non refundable which in my favor many of the affirm customer support team members ive spoken too are in my favor. 

Since XXXX I have been back-and-forth with affirm payments, disputing this fraudulent and deceptive activity from the XXXX standard academy. 

The merchant tried submitting a screenshot of his check out with a note saying nonrefundable, but it is not the same check out as I used, which is on the live link I provided above ( https : XXXX ) His counter evidence to back his claim, didn't even match where I purchased the product, after I explained that to the dispute team, they began to tell me that I only had 30 days to return the product and told me that it expired in XXXX, I haven't purchased the product till XXXX. 

At that point both the merchant, and affirm are claiming fraudulent things. 

the merchant can not advertise a 30 day moneyback, guarantee, and say that the product is also nonrefundable at the same time that is a deceptive business practice with conflicting statements, AFFIRM PAYMENTS fails to acknowledge that conflict and continues to be in favor of a merchant, thus facilitating fraudulent merchants on their platform

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: LoanCare, LLC
State: NY

Complaint narrative:
Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company LOANCARE SERVICING CENTER INC was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company

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 2023-03-11 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: 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. 
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, # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a5 ) 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
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XX/XX/2023 I contacted Capital one, requested information about travel benefits. I was advised that I was eligible for the TSA-check benefit for me my spouse and my children as long as I use my quicksilver card. I booked my travel through Capital One and I did my TS pre-check and use my Capital One quicksilver card as instructed. When I received my statement I noticed I did not get credit for the TSA charges contacted customer service they told me they were sorry but my card was not eligible for this benefit. I asked three times to speak to a supervisor for my call to be reviewed and for capital one to honor the information I was given by one of their employees in XXXX. I was advised that was not possible and neither was a credit therefore I am contacting CFPB because I believe Ive been giving wrong information and capital one will not correct their error Ive been a long time customer and Ive never had a problem with Capital One until this incident thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My consumer report for checking accounts contains inaccurate information. I want a correction or update from the bank or credit union that provided the information.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis Nexis is reporting false information to my credit file at XXXX, XXXX and XXXX credit agencies. Lexis Nexis Is not a credit reporting agency they are a are a division of XXXX, along with XXXX LexisNexis Risk Solutions, and XXXX XXXX. XXXX is a global provider of information-based analytics and decision tools for professional and business customers, enabling them to make better decisions, get better results and be more productive. Im not sure why XXXX would utilize this company to grade my credit worthiness, my payment history, the number of account I have in good standing and how long my open credit account have been open but either way Lexis Nexis is reporting false information to my credit file by way of the products that they are selling to XXXX, XXXX and XXXX credit agencies. This action is a violation of the fcra and XXXX The information that Lexis Nexis is selling to XXXX, XXXX and XXXX credit agencies has not been verified, a collection agency must verify the amount and validity of a debt before they can rely upon the information under the federal Fair Debt Collection Practices Act ( FDCPA ).

Lexis Nexis False Court cases and other criminal history information tto my credit file falsely and to creditors I seek to do business with.

All of my good credit efforts and work that I have put into my credit file is being over shadow by the action of Lexis Nexis providing fraudulent information to all the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MD

Complaint narrative:
XX/XX/2023 I sent a letter to TransUnion asking them to remove all old and inaccurate address from my credit report. They have done nothing. They also have incorrect NAMES on my report. The only name should be XXXX XXXX XXXX and the only address should be XXXX XXXX XXXX XXXX MD XXXX I sent identifying documents along with the letter as well. 
All phone numbers outside of XXXX should be removed as well.

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 2023-03-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MO

Complaint narrative:
Incorrect information on 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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I went to the ATM at XXXX XXXX and XXXX and deposited {$500.00}. I got a receipt for it. When I looked at my account online, I saw that the bank withdraw {$500.00} from my account instead of deposited the money. I immediately called the bank to report the error and they gave me a temporary credit that fixed the problem. Then, the deposit appeared and on XX/XX/XXXX, they took away the credit. The withdrawal was not removed so essentially they stole {$500.00} from my account. I called and they claimed that I had a withdrawal on XX/XX/23, which was the problem I reported in the first place. Their statement was they did their investigation and the case in close. They did not fix the problem to start and stole {$500.00} from my account. There insisted that I withdrew the money, which didn't happen. When I made a deposit, the machine rejected some notes and I reinserted the cash. And I have a receipt. I didn't not withdraw {$500.00} as they claimed.

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