vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
We canceled service with XXXX and switched to XXXX XXXX XXXX around XX/XX/2021. Paid all invoiced bills. Called and canceled voice-mail and verified that all bills were paid. Never received a bill or anything. Then noticed a collection against me. Called XXXX and they will not talk to me. Called the collection agency and they refuse to provide a invoice, XXXX or any proof that we owe the bill. They say we have to call XXXX. They have caused me damages to my credit. And refuse to try and resolve this. Your help would be greatly appreciated.

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 2023-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: TN

Complaint narrative:
Netspend Credit card and saving account. I am the executor of the account. Since XX/XX/22, Customer service told me to file paperwork which I did. Reply by XXXX says will respond in 6 hours - no response. Multiple calls to Customer service yielded requests for different documents each time. Sent docs as requested - same no response. Customer service refused to transfer me to responsible department, and left me on hold waiting for a supervisor only to be hung up on after 45 or more minutes. It has been months since original call and company has consistently given me no response.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I ordered an XXXX Credit Card because it was ADVERTISED as a credit card that would have access to the ultimate rewards center - for travel specifically. 

https : //creditcards.chase.comXXXX XXXX  : " 5 % Cash Back- on travel purchased over the phone through the Chase Travel Center , including flights, hotels and more. '' Since using the card for over two months, I have not been able to access the rewards center to access travel deals. I have attempted to access the center for at least one month. And the center is unavailable on every browser and device. On mobile and computer, there isn't even a " travel '' button in the rewards section of the account through Chase.com. 

With each attempt, I am given an error message that I either have to call customer service or the site is down. This has happened 100 % of the time. This is even with customer service support via phone. I also was not able to use the chat function online on mobile or computer to send messages for this issue- completely ignoring the challenge that I am facing. 

I have not received additional support for this issue and it is clear that Chase will not honor its promotions to its customers for this product. 

https : //www.chase.comXXXX Upon attempting to sign in to the travel center today ( XX/XX/23 ) using the link above, I was given this banner message : " You need a Chase Ultimate Rewards credit card/ You need a Chase Ultimate Rewards credit card to book through Chase Travel. '' This is concrete proof of false advertising. Shared information about the credit card are also given by review sites who reviewed the card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
" On XXXX XXXX, 2022, the XXXX signed the Joint Consolidation Loan Separation Act to authorize borrowers to separate joint consolidation loans ( also referred to as spousal consolidation loans ). Once the joint consolidation loan is separated, each spouse would only be responsible for their portion of that previous loan. '' I have 2 loans, one is mine and the other belongs to my ex spouse. In order for me to be able to make fair payments to my loan the loans need to be separated. My ex spouse never made any attempts to pay any portion of his student loan. I asked my servicer AES to please provide updates regarding this signed law. They told me that there was nothing on file showing the spousal consolidation law was approved, let alone my qualification. I am one of the class members and am still waiting for this to show in my records and for AES to properly acknowledge and take proper action regarding this matter. It has been 5 months and there has been no information from the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX has furnished an inaccurate, unverified account on my consumer report. I have provided accurate ( factual ) verified proof that clearly states this debit is not XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they responded with a stack of bills claiming it validates this debt to be mine and it does not and in doing so they refuse to remove this debt from my consumer report and it has cause my credit score to drop drastically and I have not been able to get above for loans, lines of credit or set up business credit for my business as well as mental anguish and anxiety due to this inaccurate, unverified account on my consumer 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 2023-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I asked them to remove the file off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX - Collection Account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX  XXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX  XXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXX - Collection Account XXXX XXXXXXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On the date of XX/XX/2023 i decided to send a Dispute directly to WELLS FARGO about a suspicious and deceptive account being furnished on my consumer report because after a many unsuccessful attempts to gain clarity from the consumer reporting agencies i only get updated credit reports stating the information was verified. the Requests i sent to WELLS FARGO asking to Validate the account Pursuant to 15 USC 1692g or Cease and desist Pursuant to 15 USC 1692c cease communicating a debt, or send me something in writing and stop its unfair reporting. The Letter 's i sent were mailed certified and received on XXXX XXXX, 2023 Tracking # XXXX i have waited for a response and by law i should have received a response within 30 days pursuant to 15 USC 1681i and1681s-2, WELLS FARGO is in violation of 15 USC 1692g failing to validate or respond to a request for validation, 15 USC 1692e ( 8 ) false or misleading representations communicating credit information which should be known to be false including failing to communicate a disputed debt is being disputed, 15 USC 1692c continuing to communicate indirectly after cease and desist, 15 USC 1692d harrassment and abuse for engaging in conduct which the natural consequence is to harass, abuse, oppress,, 15 USC 1681s-2, Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is Disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is Disputed by the consumer. Wells Fargo did not notify the consumer reporting agencies about my Dispute nor did they acknowledge 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 non-monetary relief
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 
Account name : 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Goodwill Letter to Capital One In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The Capital One account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old Captial One account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.

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 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
To Whom This May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original promissory note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Roughly 15 years ago I acquired an equity line with Wells Fargo. The debt was supposed to be for no more than 15 years with 8 % interest. In XXXX I asked for help to reduce the interest but unfortunately they denied my request. In XXXX I called again because on the mobile application for Wells Fargo was not accepting my payments. When I had called they said that there was no problem at all and to keep paying as usual. They told me that at the end of the XXXX mark they would send me an official letter stating that they would resolve the changes. in XXXX, I called again reducing the interest or at least refinancing and again the denied my request. The lady I spoke with that day asked me Why, when I was about to finish in XXXX of XXXX. However, in XXXX I believe I received a letter stating that my finishing in XXXX was incorrect but it was actually going to be in XXXX of XXXX. In XXXX of XXXX I wanted to may a payment but the app would not accept it. In XXXX I received a bill for 1 CENT. So my son tried to pay it on the app and once again would not take. He called to report it and they said they would look into it. Later that month I received a phone call stating that I still owed {$38000.00}. Even though I made sure to make all payments, even though some were possibly 3 days late I still made sure to pay extra. We called and they said they would look into it and we never heard anything from them again. I have the name and numbers from some of the associates I spoke with that told me that I would be finished in XXXX. 
Most of my payments have been through mobile pay, after we left XXXX XXXX XXXX and moved to Wells Fargo.

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank Inc recently sent me an offer to open a checking account with them. It was an offer that I would receive {$1000.00} bonus if I deposit $ XXXX with them in the next 30 days. 

I opened my account with an initial deposit of {$25.00} and then deposited {$30000.00} more into the account. They also have an option to connect the account through XXXX which verifies bank accounts instantly. I had linked my XXXX XXXX XXXX checking account to my new Citi Bank account and scheduled some external transfers after XXXX verified to Citibank that was my account. 

Citibank cancelled my transfers, and then did an " investigation '' and ended up closing my account. I tried calling probably 10 different times. I have no access to my money, when I call Citibank they can't find my account and have sent me no documentation whatsoever about my account. I have proof of all my documents, and currently Citibank has {$30000.00} of my money that can't be tracked. I did some more research into Citibanks practices and found that this has happened to quite a number of people, the same people that have gotten offers to move a large amount of money to their institution. Please help as Citibank has been no help and has not send me anything in the last 5 weeks in regards to a statement, funds being held etc ....

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 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Principles in Matter : Rushmore Loan Management Services XXXX XXXXXXXX XXXX # XXXX We've asked for validation of chain of assignments/title and have not received a proper response addressing the request. 

We have submitted a request for Accounting according to GAP or General Accounting Principles ( payables, receivables, balance sheet ) specific to the alleged debt in question prior to notice/recording of Trustee Sale and have not received a proper response. 

In a correspondence dated XX/XX/2022, Rushmore Loan Management states " Please note Rushmore services the account in accordance with the original loan documents and all applicable laws and statutes. '' We've submitted multiple written requests to view the " original loan documents '' and have received no reply. Please consider this another request to view the original loan documents. 

Question1 : In California, can a third party debt purchaser in its activity of " debt collection '' commence foreclosure? 

Question 2 : Did XXXX XXXX purchase this debt and if so, when? 

In a letter dated XX/XX/2022, received by your office and CEO XXXX XXXX, Rushmore agreed to the acceptance and transfer of title into an irrevocable private business trust of the which Rushmore has duties and obligations under the trust indenture to : 1. Merge the Title and 2. Set off the obligation They continually obscure the facts by calling it a revocable trust and not fulfilling their fiduciary duties. 

In communicating with Rushmore, all replies state that they are acting within applicable laws and regulations but fail to cite the specific law and/or regulation. We can not audit Rushmore 's compliance without this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
To Whom ThiS May Concern : I am confused as to the entity claiming to own my loan. 
Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.

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 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-03 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: CA

Complaint narrative:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation