vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have contacted my mortgage company, Truist, multiple times to change my bank account on file with them. Whenever I go into the application or the website I get errors that I am not the authorized user despite my name being on the mortgage and on the account with the new bank I want to add. I will call them again on Monday, XX/XX/2024, if I can't get thorough their application again this weekend, but they refuse to add my account manually, and my old account, I believe was deleted.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by Experian to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved. The account in question is XXXX XXXX XXXX. Despite sending numerous letter for months showing flaws Experian claims they investigated even though no proof or changes has been made. It has been removed from all other credit bureaus and reports. I expect action to be taken against Experian for numerous Consumer report violations.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Kohl/Capone I have asked repeatedly to submit me a purchase agreement. I also submitted a violation code of 15 u.s. code 1681i ( 5 ). Removal of inaccurate invalidated credit information. Validation 604 15 usc 1681b. 15 U.S. 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have requested information last year from the company Resurgent as the information being reported from the XXXX XXXX is incorrect and should no longer be reporting on my XXXX and XXXX credit report .The company sent a statement balance which is not what I requested. I am again asking that they provide me a legal copy of a signed agreement I have with them, if they can not do please remove. I have copies to show, also this account does not appear on my XXXX report as I have received notice after a reinvestigation. I believe There is also a chance that the debt is 'unenforceable '. This means it does not comply with the Consumer Credit Act 1974 ( CCA ). This debt is be resold and creating a new opening date each time which is causing it remain past the 7 year period

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Two tickets were issued at the same time, same date same vehicle to two different person.

Its paid already and the company Lienbarger Goggan Blair is trying to collect more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
Wells Fargo sent me notice of add on packages back in XXXX We have been trying to settle this and in the process Wells Fargo determined that we had 12 bank accounts in their system. after they researched them it was verified by me and my wife that only 2 of the 12 were valid which leaves 10 unanswered. As we spoke to the Wells Fargo representative ( XXXX ) he was not able to give us any information about the 10 accounts other than they were closed. He stated that they could only go back 7 years and they would not be able to give me any information other than they are now closed. We discussed the settlement for the add-ons and during that session they were able to come up with paperwork when we first opened the account in XXXX. I am very worried and affraid of what information is out there as you need Driver License, ssn, address, and other personal information which includes my wifes info. They have not and refuse to accept what has been done by their employees and refuse to even acknowledge there is a problem. I have seen and researched that there should have been a notice sent to me, but have not recieved anything.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Portfolio recovery is currently under litigations as a result of the company mailing missing statements from original debtor failing to prove the claimed amount of {$1600.00}. The original debtor XXXX XXXX XXXX XXXX  credit limit was {$300.00} therefore, portfolio recovery has XXXX added fees to increase the amount due. I have filed several disputes with XXXX and they have failed to remove this collection due to false information being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Wellness LLC
State: FL

Complaint narrative:
I called a number which I thought was a debt collector but ended up talking to a rep from a company called Credit Wellness LLC. I provided them my info under the guise they would help my collections but ended up paying a fee up front. When I asked the rep for his name he replied he can only give me first name and first letter of last name for protection. I immediately requested cancellation and changed my card number so no additional fees can be charged. I put a XXXX alert on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit 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: DC

Complaint narrative:
Chase is not honoring an advertised promotional rate for its pay-over-time credit card feature, My Chase Plan. 

I have a Chase credit card. On XX/XX/2024, I saw an advertisement on chase.com for Chase cardholders. The advertisement offered " {$0.00} plan fees when you set up your first My Chase Plan by XX/XX/2024. '' ( I have not previously had a My Chase Plan. ) The advertisement does not mention any other conditions of eligibility for this promotion. See attached screenshots of the advertisement. 

On XX/XX/2024, I logged into my chase.com account and attempted to set up a My Chase Plan for a particular transaction. While the website showed that the transaction was eligible for a My Chase Plan, it showed a {$32.00} monthly fee for a 6-month plan -- not the {$0.00} fee that was advertised. I called Chase customer service and asked them to apply the promotion over the phone ; however, the agent advised that they could not create a My Chase Plan by phone, it could only be done on the website. 

Consequently, I sent a secure message on my chase.com account asking them to create a My Chase Plan for the transaction that applied the {$0.00} promotional rate. I attached screenshots of the advertisement to my message. On XX/XX/2024, I received a secure message response, directing me to my chase.com account to create the My Chase Plan. The response did not address my request for the {$0.00} promotional rate. I checked in my chase.com account and saw that the promotional rate still was not being offered when I attempted to create a My Chase Plan. I responded to the secure message with that information and again asked Chase to honor the advertised rate. 

On XX/XX/2024, I received a secure message in response stating, " Many of our promotional offers are only available for a limited time and is ( sic ) a targeted offer. If you are unable to view XXXX XXXX  monthly fee, the offer is no longer available. '' Note that the advertisement on chase.com did not state that the promotional rate was a targeted offer or that there are any conditions of eligibility ( other than that it must be your first My Chase Plan -- which it is -- and that only certain transactions are eligible for a My Chase Plan -- which this transaction is ). Subsequently, I created a My Chase Plan in my account, with a {$32.00} monthly fee for 6 months, or {$190.00} total fee for the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: ID

Complaint narrative:
I visited with XXXX XXXX from Sequim Asset Solutions on XXXX XXXX. XXXX said that the account was turned in for collections on XX/XX/, and the information she gave me was that it was an XXXX XXXX  account that was opened on XX/XX/2023, and that it was from an address of : XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX She asked if I ever lived at XXXX XXXX XXXX or if have ever had XXXX service. I said I had not that I have been a XXXX customer for the past 20 years and have lived at my current address for over 19 years. 

In my research this is the information that I have found for the address. 
Phone number is XXXX and the address belongs to a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have attempted to make several, on-time payments for my student loans. They keep being sent back with an error unable to locate bank account. 

This occurred on XX/XX/23, XX/XX/23, XX/XX/23, and again with my payment in XXXX, although I see no track of that attempt anywhere ( another issue ). I contacted them about the issue. It took over a month to receive a reply and they simply said renter the information and try again. Obviously, I have. Multiple times. I even removed the saved information to just enter it every time and still have the same issue. Sometimes it goes through, sometimes it does not. I already contacted my bank and on the dates in question, they dont even see an attempt from XXXX to collect payment. After looking online, I have found there are multiple people experimenting the same issue. They do not take debit card as forms of payment. This is the only checking account I have to use and I use it for everything. XXXX is the only one who has an issue processing the payment. They keep berating me for non-payment, when Im attempting payments and sending messages about the issue. Obviously, I am trying to make payment. 

This will be affecting my credit and payment history. I am requesting for my student loans to be put on pause, interest to be put on pause until we can figure out why their system can not process payments adequately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX. We recieved the Title in the mail and also was able to get a tag for the vehicle. On XX/XX/XXXXXXXX  our car was taken by a repo company called XXXX XXXX XXXX we had to call the police and report the car stolen in order to figure out what happened to our vehicle. Once we got a call from the officer about our vehicle we gave the repo company a call. They are saying the cat is not in our name, and refused to even take a look at the title of our vehicle. They told us Westlake Financial was the company responsible for the repossession of our vehicle. We called Westlake Financial and they are saying they don't have a lien on our vehicle and they would be sending something over to them to get them to release our vehicle to us.I spoke with a supervisor XXXX XXXX on XX/XX/XXXXXXXX  and nothing was done. I spoke with them yesterday on XX/XX/XXXXXXXX  and the lady i spoke to said she would give me a call back within a hour and she would have them bring the vehicle back to us. And she was sending them over a release form the same day. I havent heard anything still. I also spoke with them a few times in between the XX/XX/XXXX. Until today XX/XX/XXXX. They keep saying the vehicle is not in our name. Which is true we don't have an account with them. But we own the vehicle because the vehicle was purchased from a different company. We need our vehicle and our property out of the vehicle and the tow company will not give us our property or tye vehicle back even with proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I have been a victim of identity theft, and the company is trying to hold me responsible for this debt. XX/XX/XXXXXXXX   I learned that a company by the name of MOSAIC called me requesting a payment, and in XX/XX/XXXXXXXX  I received a bill from this company that's when I learned that I had been a victim of identity theft. 

After researching this company I learned that they offer loans to people for home repairs. I do not own a home, and the home I live in is my boyfriends. 

I wrote to this company and explained I had been a victim of identity theft, and the debt does not belong to me. Furthermore, my income would not have supported a loan of that amount. As I receive social security and I'm a XXXX  citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i used this credit card. and paid it off. they closed the account and they reported late for a balance of {$4.00} i did not have. the last time I paid it was XXXX. I told them and they did not respond. I always make my payments on time and now my credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage was transferred from XXXX XXXX, to Shellpoint Mortgage Servicing effective as of XXXX XXXX XXXXI never received any information from Shellpoint with the process to register and submit ACH payments. 

I have tried repeatedly to call the company, but they do not have a customer service line that will allow you to speak to a representative, therefore there is no way to send a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX  charged off my account in XXXX  and then sold my non-public personal information to a debt collector, Portfolio Recovery Associates , LLC in XXXX. XXXX XXXX discharged this debt in XXXX  and yet Portfolio Recovery Assoc has been reporting negative items to my consumer file for the past 3+ years. This has caused a great deal of harm to my quality of life. The law states that once a debt has been discharged, the debtor is no longer liable for the debt and the lender can no longer pursue the collection of the debt. XXXX XXXX knowingly sold my non-public account information after discharging the debt. Not only is this is a violation of the Privacy Act of 1974, but Both companies colluded to commit securities fraud against my SSN and admitted to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
SN Servicing has come forward a a stranger to title claiming I owe them money on a void note and mortgage that were cancelled with the original Creditor, XXXXXXXX XXXX  on XX/XX/XXXX, pursuant to TILA 15 USC1635. I originally made this complaint regarding XXXX on XX/XX/XXXX. 
The details : SN Servicing Corporation ( claimant ) continues to falsely claim that they are secured creditors, and claims the property, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to be encumbered by a mortgage or deed of trust that no longer legally exist. This matter is in controversy solely because the original creditor, XXXX, failed to comply with 15 U.S.C. 1635 ( b ), by filing a satisfaction of mortgage with the XXXX XXXX recorders office, after the debtor rescinded the loan, pursuant to 15 U.S.C. 1635, On XX/XX/XXXX, by sending Notice of Cancellation ( Exhibit A ). The Notice of Cancellation Pursuant to 15 U.S.C 1635 and 12 CFR 1026.23 ( d ) the mortgage that gave rise to the right of rescission, became void upon rescission, by operation of law, thus the mortgage upon which the claimant bases its claim, is void and unenforceable. Title changed the day of rescission by matter of law, as stated in the aforementioned statutes, and as per the Supreme Court of the United States case XXXX XXXX XXXX. 

There is addittional newfound evidence on XX/XX/XXXX, th XXXX, that this is a fraudulent claim that is being made by XXXXXXXX XXXX XXXX The real identity for XXXXXXXX XXXX XXXX  is still unknown. The current creditor is being listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as Trustee of the XXXX XXXX XXXX XXXX when I ran the search through the Sec government website, this Trust does not exist so there can not be a claim from a Trust that does not exist. ( Exhibit B ) SN Servicing Corporation is a Servicing Company that is out of XXXX, California, their address being : XXXX XXXX XXXX, XXXX, CA XXXX. A Servicing Company does not have any authority to foreclose. The burden of proof established by XXXX  which requires that, as a condition precedent, the claimant MUST have paid value for the underlying obligation ( not the assignee of the mortgage or the endorsee of the note ). At no time has SN Servicing proved that it has paid value for the underlying obligation in its proof of claim in United States Bankruptcy Court XXXX XXXX Of New York. Due To Constitutional violations per 18 USC241 and 242 and due To Due Process of law violations per the XXXX, XXXX, XXXX AND XXXX Amendments, and per UCC Violations of 9-203 ( b ) ( 1 ), This Is A FALSE CLAIM.

Company response to consumer: Closed with explanation