vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington Law Firms credit repair service ( marketing affiliate for XXXX  ) engaged in illegal practices Charged Illegal Advance Fees, and Lied About Debt-Relief Results : Falsely advertised accompanied by false claims of, government affiliation that they would eliminate or reduce consumers principal balances by at least 60 percent, that creditors would be unable to collect the debts, and that the programs would increase consumers credit scores for thousands of dollars in fees. In addition, defendants encouraged consumers to pay these fees by maxing out their credit cards. In the end, Defendants programs increased consumers debts, hurt their credit scores, and, in some instances, exposed them to creditors lawsuit Taking illegal advance fees for debt relief and credit repair services. Federal law prohibits the collection of fees before a credit repair or debt-relief company achieves certain results. However, Lexington Law Firm charged and received payment of fees for debt-relief services before altering the terms of consumers debts. Also charged and received fees for credit-repair services without achieving the promised results. Also charged and received fees for credit-repair services without achieving the promised results. Service fees ranged from {$89.00} to {$120.00} in XXXX  monthly and each option offers you unique coverage to fix errors on your credit report. 
Failure to provide proper disclosures about non-payment of debt : The FDA has instructed consumers to stop paying debts on their program. However, they fail to disclose that failure to make payments may result in a consumer being sued by creditors or debt collectors, and may increase the amount the consumer owes due to accrual of fees and interest. To today 's date the three major credit bureaus : XXXX, XXXX, and XXXX XXXX I have ( XXXX  ) inquiries. Please review attachments : XXXX XXXX ( XXXX ), [ Lexington Law Firm case XXXX and XXXX pages ], and Disputes to all three major credit bureaus [ Lexington Law Firm case XXXX XXXX XXXX attachments for review XXXX XXXX XXXX XXXXXXXXXXXX XXXX pages Settlement Agreement XXXX XXXX  XXXX  XXXX page XXXX XXXXXXXX XXXX  pages Lexington Law Firm XXXX XXXX XXXX XXXX inquires XXXX Inquiries XXXX XXXX XXXX Credit Card Report XXXXXXXX XXXX  pages Lexington Law Firm case XXXX pages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
wells fargo mortage company did not comply with our loan modification adn would not help and send us into foreslosure and we think that we are entitiled to there lawsuit as we were victims of them!!!

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 2023-08-14 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: EQUIFAX, INC.
State: GA

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. 

XXXXXXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am just sending in this notification to let you know that I have notified CashNetUSA with all of the necessary documentation to stop taking ACH payments from my account. So as of TODAY AT THIS TIME THEY HAVE FORMALLY BEEN NOTIFIED VIA EMAIL. I WILL ALSO BE SENDING THEM A LETTER VIA XXXX MAIL THAT I WILL PERSONALLY SIGN. IF THERE ARE ANY OTHER ACH PAYMENTS TAKEN FOR MY ACCOUNT I WILL CERTAINLY BE IN TOUCH WITH YOUR AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have called the company and reported that this was not my account and theyre still reporting it on my credit

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-14 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: WI

Complaint narrative:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was to question my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to XXXX U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurately an account that was included in my XXXX  XXXX bankruptcy that has completed as a charge off. It was never near charging off when i filed and not even 37 days past due. I have included correspondence from them that proves it. I did file a dispute with Equifax and the account changed it's reporting to closed but is now reporting as a charge off again when it should not be. This is a clear violation of the FDCPA. I am including my original XXXX  XXXX petition from XXXX XX/XX/2018 showing they were notified. This has had a major impact upon my credit. Their inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023. Thank you. 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 2023-08-14 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company is in violation of 15 USC 1692g ( b ).

Company never ceased with reporting to my consumer report after I disputed the debt.

Company is in violation of 15 USC 1681 ( g ) ( b ).

which states nothing in this paragraph shall be construed to REQUIRE a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

Company is in violation of 15 USC 1692 by using unlawful criminal means ruining my reputation by including accounts not permitted on a consumer credit report by law according to 15 USC 1681 A ( 2 ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts are in VIOLATION! : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
These companies are reporting volatility in their credit reporting systems without thorough data! I am trying to avoid litigation in the near future because of this situation and it seems to be very difficult to wholly consensus with the company! So they 30 business days to remove all fraudulent claims and discharge them derogatory collection that are unlawful being used to creating misery in my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: FL

Complaint narrative:
Name on the credit card is XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I made a purchase of 3 " XXXX XXXX '' for {$600.00} to be performed at different times for the next few months after purchase. Prior to my purchase I met with " XXXX '' who promised immediate results of firming, wrinkle reduction, tightening of the skin and pore reduction. 

Lots of amazing claims in person as well as in their advertising. I told XXXX that I was on board if the claims were accurate and that the biggest hurdle she has was managing a clients expectations. She assured me there would be results. 

I began my treatments the next week and finished up the last treatment in mid XX/XX/XXXX. After the 1st treatment I got a text from XXXX XXXX to do a XXXX review, I said no I wanted to wait until my series of treatments were over to see if anything they told me in the consult or in their advertisements came true. They said that was fine. At that time I did not do a review. 

At the completion of my last treatment, I told my technician, I saw ZERO results and that I wanted to speak to a manager about it. XXXX the manager I orginally met with was not available so I called her the next day to discuss the matter. 

She called me back on XX/XX/XXXX. After a long discussion about me seeing no results she said she would consult the owner about a refund based upon the claims they made in the consult and advertising. The next day she left me a voicemail that they were not willing to do anything. 

With that voicemail, I filed a dispute with my Synchrony Bank Care Credit card and provided them all the advertising materials provided By Restore Hyper Wellness and my explanation of the timeline of events. On XX/XX/XXXX, I received an adjustment to my bill from Synchrony bank for {$600.00}. For me that concluded the matter. 

Then on XX/XX/XXXX, without explanation Synchrony Bank re-billed the {$600.00}. I immediately re-contacted them and was told someone would reach out to me in the next few days to address the matter. 

It is now XX/XX/XXXX and no word from Synchrony. I want the re-bill of {$600.00} reversed due to deceptive advertising and claims made by XXXX in the original consultation. Just a money grab.

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 2023-08-14 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
According to XXXX XXXX XXXX, SPRING OAKS CAPITAL LLC is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point SPRING OAKS CAPITAL LLC is in violation of 15 U.S.C. 1692e - False or misleading representations. Also SPRING OAKS CAPITAL LLC and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened my business account with Citibank, NA in XX/XX/2022. I deposited consistently into my account. In XXXX my balance was approximately {>= $1,000,000}. I proceeded to pay my vendors and withdrew for my payroll, etc. Citibank has placed a hold on my account where I can only deposit but can not withdraw due to a fraud alert. After verifying my account for the hundredth time, they absolutely can not remove the alert, although I went through ample verification process and everything should of been fine. After I gave them ample time to resolve whatever issues they were having, I proceeded to call them and they said they are in the process of closing the account and will forward my balance of over {$60000.00}. I called Citibank every week thereafter and even went into various branches where none of them can even locate my account. I continued to call and I get re-routed to their Fraud Department in XXXX somewhere, where hardly anyone speaks English. This has been going on for almost 9 months. Please help me retrieve my my money from this crooked bank and I will go my merry way. 
Thank 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