vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
To whom this may Concern, My name is XXXX XXXX. I have a XXXX Account. I live in XXXX, Fl. Last XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl Let Someone Authorize a transaction on my account without my permission. I also have a voice recorded message from Customer Service Representative That called me that day I was at work, I told them that XXXX has my consent to pay the bill. I XXXX, do not give him consent to charge anything on my account. I have three Phones on my account. my original bill every month were {$130.00}. The employee that works in that store let a man I have a phone line on my account authorize an XXXXXXXX XXXX XXXX XXXX and case, and XXXX phone case on my account. His Name is XXXX XXXXXXXX XXXX let him purchases these items on his debit card. Now that brought my phone bill up to {$250.00} plus tax. XXXX refuse to pay XXXX  bill because he went up to the store and tried to talk to them about the XXXX he put on my account and the two phones on my account, the bill that was due in XXXX that they over charge the account. XXXX XXXX refuses to pay it. t mobile has his social security number and birthdate and debit card number on my account from his purchase. I am the one that have to pay this account. Now i do not have a phone line and can't do my business needs. I had to get a government phone to use. i am disputing the charged against this store and XXXX company. i am very disappointed. I never had this problem before. These representatives supposed to protect customer 's accounts and rights from other people. it seems like they always want to make a dollar, they always trying to get you do buy their product instead of helping you. The person that is held responsible for paying this account is XXXX XXXX. I will try to send an email to dispute this, I am not good in sending an email. Please note I am disputing these charges.

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 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
mortgage transferred from XXXX to chase, involuntarily ... paying bi-weekly payment with chase but chase will not honor payments until a full monthly payment is satisfied. this defeats the purpose of doing a bi-weekly payment. according to a chase representative, I have satisfied payments until the first of XXXX. I have reached out to both companies but either one are able to help with my issue. Chase 's policy is to the disadvantage of the consumer. They are using my one bi-weekly payment before I am being given credit into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the XXXX XXXX XXXX, specifically XXXX XXXX. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.

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 2023-07-19 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management Services, whose products are federally backed by XXXX XXXX  ( see attached article ) offered by announcement on their website assistance for those impacted by XXXX. Each time I made a payment by phone I made it known that I was having temporary financial trouble due to XXXX. I finally completed the online form ( after having difficulty accessing their website on several occasions ) requesting mortgage assistance ( requesting that I be enrolled in a forbearance plan ) due to XXXX. Rushmore was still offering XXXX assistance ( per their website -- see screenshot -- as of XX/XX/23. Rushmore 's website clearly states that " your loan will be reported to the credit bureaus as CURRENT during your forbearance period. '' Not only did Rushmore NOT honor my request to be placed on a forbearance plan ( which I requested back on XX/XX/XXXX ), they also reported me as being 60 days late, resulting in a huge decline in my credit score ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited a check via mobile app on Sunday/ XX/XX/23 I received an alert that my funds were on hold. I was told it would not show up until XXXX Monday and the alert was automatic. So XXXX days down I finally go into the branch after talking to three representatives and two supervisor because its XXXX and my funds are still on hold .Truist says the hold will be there till XX/XX/23. I have never waited longer than 3 days. This is more than a week and I have the physical check present. Then I was told to return to the branch, get in touch with the issuer of the check ( XXXX XXXX ) to verify and they would release the hold. This was the end of the day now it is XX/XX/23 I went into a XXXX XXXX they had never heard of such policies, I also contacted the person who signed the check. I am currently on the phone with Truist and they have me on hold waiting to talk to administrator. But they made sure to take out fees from my monkey they have on hold and makings me do the leg work just to not need it and take off hold anyways. Very dissatisfying I feel as if I was profiled and treated as such. I just want access to my money when I need it. I will be closing this account and taking my sticks back I will not invest in a system that operates like this. Truist is not true to what they represent I have been with them since the merger I am done do not bank with Truist they do not support everyone. Now Im being told to have the issuing back scan a copy front and back to show that its cleared. I have literally never heard of this procedures. And the nerve of the local representatives to shift blame on the mobile hotline. When they all are under the Truist umbrella same training. Do not bank with Truist because disappointing is what you will receive.

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 2023-07-19 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX. XXXX I was buying a flight ticket from XXXX to XXXX from XXXX for {$690.00}. When I attempted to do the payment their website gave an error stating the sale is not successful. I dont have a proof for this but then I received an email in XXXX  language clearly stating that the sale was failed. The email literally says Please note : Your XXXX - XXXX ticket has not been sold!. 
Then I proceeded to buy another ticket from another merchant for {$820.00}. 
Next day I realized XXXX charged my credit card for a failed transaction. I opened a dispute immediately with Wells Fargo. Today I learned that my dispute was denied. I contacted the bank and theyre saying that the merchant is right. And saying that I was contacted by the merchant to not buy another ticket which is not true at all. After I realized my credit card was charged I contacted the merchant to get my money back and they did not cooperate. Bank says I accepted their terms and conditions which I did but the email I received from the merchant clearly states that the sale was failed and I was deceived into thinking that I didnt get the ticket but they still charged my credit card for a service that I did not receive.

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 2023-07-19 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: NJ

Complaint narrative:
the below accounts are not mine and should be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: NJ

Complaint narrative:
the below accounts are not mine and should be removed 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 explanation
Consumer complaint received 2023-07-19 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: DISCOVER BANK
State: GA

Complaint narrative:
discover bank has committed friad by opeing a credit card that they refuse to take off my credit report, i have sent valid information including documentation showimg im a victim of identity theft i do have an attorney hired to sue discover bank, their representative has failed to properly take care of this situation, i have informed her of my situation, ignored, i am a Victim of identity theft i am now in a legal process because of her actions her name is XXXX for customer advocacy and wouldnt even return my calls, i will use this information amd give this attorney if mot resolved by discover bank, they have used my information ot establish this account with out my permission i gave an amount XXXX to settle for damages and have this removed i will send the cooy of the agreement i signed so discover bank can and will tkae me serious, discover bank has open this fraudulent account and has forged my signature on this account, i will sue discover bank for negligence and for compromising my information and using my information fraudulently and take my complaint seriously and do not ignore this statement of facts, your rep has for this to the point of being rude and unprofessional now I have a settlement amount and my request now please honor this complaint and my reason I did not open this accident

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-19 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: PA

Complaint narrative:
XXXX & XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my 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 non-monetary relief
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : Equifax - XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX 

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 a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted 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 consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

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 a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted 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 consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.

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 2023-07-19 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: FL

Complaint narrative:
I recently received communication from XXXX, Equifax, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax, and XXXX never responded! 

Furthermore XXXX, Equifax, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Equifax, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
In a nutshell, the fraud worked like this. I was slowly introduced to a supposedly profitable investment ( XXXX options on real-time XXXX pricing ). I was encouraged to start small and was allowed to withdraw money from my account twice. Over-time, I was encouraged/motivated to increase my capital investment to avail myself to higher profit opportunities. As my account increased to XXXX $ XXXX XXXX XXXX I was informed that in order to withdraw my money, I need to deposit 18 % withholding for IRS XXXX on the $ XXXX XXXX cumulative XXXX to date. The tax amounted to $ XXXX XXXX $ which I deposited. I was further informed that I had to deposit another $ XXXX XXXX $ for large amount withdrawal risk, which I also deposited. For days, I waited to withdraw from my account but was told that there are many VIPS ahead of me. I was then informed that I could apply for VIP membership if I wanted to be in front of the withdrawal line. The cost of the VIP membership was 2 % of account value which amounted to another $ XXXX XXXX XXXX The website was determined to be a fraudulent website. Please read attached file for complete story.

Company response to consumer: Closed with explanation