vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
On XXXX I entered into an agreement with meadow brook legal group to handle my debts and represent me if I should be sued. Unbeknownst to me and due to deceptive marketing and advertisement tactics from XXXX XXXX who assured me the grand benefits of the program ensured me that my debts would be settled in 6-9 months and that skipping payment was ok if I experience any hardship. Little did I know they took upfront fees and that if I skipped payments it would pull from the previous months funds never aiming to pay off my debts. However, I was assured again that regardless if sued I would be getting the least legal advice and an attorney to give me legal advice on where to go next. The attorney in the program said he had no idea how to even file a court filing to contact meadowbrook as that is what I am paying for and even agreed that meadowbrook is deceptive in telling me they would help me as that was services I was paying for. However, every time I kept getting a different answer. After trying to get a refund I was told I only XXXX cents in reserves so that basically my only refund was the skipped payment of XXXX dollars and change which I still have not received. After 8 months of payments and no help they would not return my XXXX dollars in escrow because those are fees " rendered for services, '' My question is what services. Have they communicated more efficiently and told me they would not represent me I could have negotiated my own debt sooner. They also rushed me into signing my contract with manipulation and a notary to notarize a paper in a rushed manner as if I was taking too much time. I never felt so shammed in my life. Also, XXXX just called me one day out of the blue explaining how much this program could help me. I should have did more research but I trusted them as a " law group, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter from Wells Fargo stating that they had issued me a cashiers check many years back and it had not been cashed. The amount was {$52.00}. The letter clearly stated I should take the letter to the local branch to claim the funds. I did. The XXXX local branch ( XXXX XXXX in XXXX NC ) told me there was nothing they could do for me and I should contact Wells Fargo corporate office. I didnt like this as I would lose track of the transaction and it is timely. I have until XX/XX/19 or the funds will be forfeited to the state. I went to a second branch and they again didnt want to honor the letter but they reluctantly agreed to make an appointment the following day. This occurred on XX/XX/XXXX. I reluctantly agreed to the appointment as my costs had already exceeded the value of the debt. I showed up at the appropriate time and they were not happy to see me. They did NOT want to do this. I waited in their office while their banker made a lot of phone calls. After XXXX minutes the banker presented me with a document to cancel the original check. I questioned the document and asked that am I forced to sign the document in order to get my {$50.00}. The banker took offense at this and stormed off taking the form. I left after telling the office manager that I felt that I was being put off in an effort to avoid paying the {$50.00}. The second branch was the XXXX NC on 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I opened a checking account with Citizens and made an initial deposit, the account was approved. I moved my direct deposit over and when it cleared today I tried to log into to access it. After an hour on the phone I was told that my account was under review, they can't give me any details and my funds are locked. I need access to my paycheck. XXXX XXXX is the only person at Citizens who would give me his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I ordered a bed online through XXXX XXXX XX/XX/XXXX. XXXX XXXX account # XXXX offered financing through Captial one Account # XXXX. Bed was never shipped and put on back order several times. Order was attempted to cancel numerous times XX/XX/XXXX, XX/XX/XXXX, XXXX due to non-delivery. XXXX XXXX said we would receive a full refund on XX/XX/XXXX. Capital one is still charging me interest and late fees on a product that was never shipped and never received. In addition, Captial one is reporting negatively to my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX XXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX credit / XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding unauthorized charges made on my WELLS FARGO BANK debit card. Despite my efforts to resolve this issue with your bank, I have received no satisfactory resolution, and I am now facing significant financial & health consequences that could have a devastating impact on my business. On [ XX/XX/2023 ], I discovered several transactions on my WELLS FARGO BANK statement that are not authorized by me. The charges were made without my consent and are in clear violation of my rights as an account holder. Immediately upon noticing these unauthorized charges, I contacted your customer service department to report the issue and request assistance in rectifying the situation. During my conversations with your representatives, I provided detailed information regarding the unauthorized charges and explained the urgency of the matter. However, to my dismay, I received little empathy or concern for the financial distress this incident has caused me. Despite the overwhelming evidence of fraudulent activity, WELLS FARGO BANK has failed to take appropriate action to investigate and reverse these charges promptly. Regrettably, due to the funds drained from my account without authorization, I am now unable to fulfill my health obligations, specifically filling my XXXX  medication prescription. My medicine serves as a vital component of my life. The inability to meet my rental obligations will undoubtedly result in the loss of my office space, jeopardizing my client relationships, and tarnishing the reputation I have worked so hard to build. As a dedicated customer who has trusted WELLS FARGO BANK with my financial needs for several years, I expected a higher level of service and urgency in addressing this matter. I kindly request that you take immediate action to investigate the unauthorized charges, refund the full amount to my account, and reinstate my confidence in the security of my funds. Furthermore, I implore you to provide me with a detailed explanation of the steps being taken to prevent similar incidents from occurring in the future. As a consumer it is essential for me to feel secure in my banking relationship and confident that my financial interests are protected. I anticipate your prompt attention to this matter and a resolution that addresses the financial damages I have incurred and health damages I could potentially face. Please understand that the consequences of this unauthorized activity extend far beyond a simple inconvenience and have the potential to irreparably harm my business and professional reputation. Thank you for your immediate attention to this urgent matter. I look forward to your swift response and a satisfactory resolution

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 2023-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
how can you have two customer numbers for same file Customer number : XXXX Customer number : XXXX Delete ALL MY INFORMATION IN YOUR FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I called LVNV Funding about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: LA

Complaint narrative:
NOTE : On the next page, I will supply the last 4 digits of my husband 's social security number because the debt is his, NOT mine. 

They are calling & texting the WRONG PERSON! This is my husband 's debt, that he took on independent from me, without my knowledge or consent. I responded to their text messages informing them that they were contacting the wrong person at the wrong number. I gave them his phone number, & yet they continue to harass me. 

I have been receiving repeated phone calls & text messages from Capital Link Management or Capital Management. I did not answer the calls because I did not have any business with the company & didn't recognize the name. Then the text messages started on XX/XX/2023. I don't even know how they obtained my cellphone #, because it's independent from my husband 's. 

Text Messages : XX/XX/XXXX- they offered a settlement through text message and asked him to reach out to XXXX XXXX. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement on my husband 's behalf. I responded that they had the wrong number & supplied his phone #. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement. I again responded telling them they had the wrong person & number & supplied the correct number. I also told them that I wasn't on any account associated with his debt & was not responsible for it. I asked them to please confirm receipt of my text message & received no response. I stated that if they were capable of sending text messages, they were most certainly capable of reading them. 
XX/XX/XXXX - yet another debt collection text message. 
XX/XX/XXXX- another debt collection text message. I replied in anger, telling them that they were harassing me & I was going to report them. 

Calls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX. 

There may be other calls & text messages that I overlooked, as around the same time I was receiving calls without caller ID. 

This is a violation of FDCPA ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
On XX/XX/2023 this company contacted a relative via text message and disclosed personal information about a debt. They have previously sent text messages to various relatives threating lawsuit and using other scare tactics all while disclosing my personal information to non interested parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX of 2023, I initiated a refinance of a home that was renovated. The lender obtain a background report and initially did not disclose the source ( TransUnion ). The report stated that I have 67 unresolved liens in GA. I never had 67 liens furthermore, I currently have zero liens. 

TRANSUNION NEVER CONTACTED ME TO LET ME KNOW THEY WERE PERFROMING A BACKGROUND CHECK NOR DID THEY AFFORD ME A MECHANISM TO DISPUTE THEIR REPORT Over the next 3 months, I pleaded with the lender for an exception and received it. However, by the time I received the payoff for the current loan, there was default interest due to the term of the loan ( which was paid on time for 16 months ) was at maturity. In order to remove the default interest and complete the refinance, I had to pay over {$12000.00}! 
To my knowledge, the only background company that has the erroneous data on me is TransUnion. My FICO is XXXX and I have plenty of assets. This erroneous background report has cost me over {$37000.00} and counting because it thwarted a refinance and forced me to pay over {$12000.00} in extension fees to maintain the current loan. The current extension is valid until XX/XX/XXXX. TransUnion and their background report that is full of errors is causing me undue stress and is financially debilitating 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 2023-07-14 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: NY

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion OF THESE ACCOUNTS listed IMMEDIATELY!

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 2023-07-14 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: NC

Complaint narrative:
I have disputed bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX XXXX  because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last 4 digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX XXXX XXXX  XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.

Company response to consumer: Closed with non-monetary relief