vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
7 years ago I was a victim to Wells Fargos banking regulatory rules when they converted my accounts to a fee-based account without my consent. This was after the Feds had caught Wells Fargo for converting accounts to fee based accounts without the account holders knowledge and WF was fined millions. In XXXXXXXX XXXX XXXXXXXX I received a text from the buyer of my previous home address in XXXX XXXX Florida that she was receiving g mail from Wells Fargo addressed tome. I had given WF my new address in XXXX so I was concerned that mail was going to my previous address. I asked he too [ en the letter and text me a photo of the contents. Turns out the letter was a statement showing Wells had {$1300.00} in an account in my name that they were sending to unclaimed accounts. I filed a formal complaint with WF on XX/XX/XXXX and the banker told me I should receive my funds by check from WF within 10-days. I went into the XXXX XXXX branch on XXXX XXXX. on or about Monday, XX/XX/XXXX and spoke to the bank representitive XXXX. She called their escalation department while I was at her desk and she started a formal review to get WF to release my funds. On XX/XX/XXXX I received an email from WF with a case number : XXXX stating my case would be resolved in ten business days. Today, XX/XX/XXXX, I called the WF enterprise complaints management office at XXXX EST and spoke with their representitive who transferred me to their corporate accounts escalation department representitive. This representitive assured me my money would be forthcoming and that I needed to physically go to the XXXX XXXX branch and speak directly with the bank rep, XXXX. I asked him to please contact XXXX, ensure she was at the branch today, and inform her that I was on my way. He placed me on hold and came crack on the phone a few minutes later and confirmed XXXX was at t eh branch and she would get this issue satisfied. I ask him why he couldnt tell me the status and he said it was confidential and I would need to speak to XXXX in person. I immediately drove to the branch, and met with XXXX. XXXX knew nothing of my conversation with corporate and stated no one had called her. So she got the branch manager involved and I waited for thirty minutes while they attempted to contact the escalation department rep. After a half hour I told them I was leaving and I would be back with the news media. Both XXXX and the branch manager apologized for my continuing inconvenience. This bank is obviously a thief and I need your help in retrieving my monies. 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
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
I have disputed this account a total of XXXX times. This accounts isnt mine. After requesting information ( Validation of debt Letter ) I found information on this account that proves is does not belong to me. I have never did any banking with XXXX XXXX XXXX first off, then second the payment history on the account does not match up to what they have reported on my credit report. Also, they typed my name is the Borrowers section of the alleged contract, thats not even my signature. This isnt a validation of debt at all. Unless they send an original contract with my complete information remove this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
Im being charged {$2800.00} from a collection company called NATIONAL CREDIT SYSTEMS. I do not know why I have a collection with them. I asked them to send me the original contract so I can understand where this debt comes from but when I try, they ignore me and verify my debt without giving me my request. This collection debt is on my experian and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Company called TSI ( Transworld Systems Inc ) sent me mail about some debt I apparently owe from last year. I attempted to create an account with them to complete payment but was unable to for no given reason. 

This leads me to believe the debt collection attempt is a scam. Please see attached. I can pay the debt, but I want to make sure I'm not being scammed first.

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 2023-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2008 a CD opened with Wachovia bank in the amount of XXXX XXXX dollars. Now years later looking through my deceased wife 's records I found a cd she opened with BOTH our names on it. I do not know where this money is. Repeated contact with Wells Fargo has not been able to tell me what happened to this the account # on the CD isXXXX

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 2023-06-22 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: NC

Complaint narrative:
XXXX and equifax are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX XXXX also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX and hopefully XXXX has put one out like i requested since i reported both companies the nc doj

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Regional Management Corporation
State: NC

Complaint narrative:
XXXX and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is regional finance. XXXX financial also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. regional finance and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with regional and hopefully XXXX has put one out like i requested since i reported both companies the nc doj

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX XXXX i WAS GOING TO PAY A COMPANY THAT WORKED ON MY HOUSE IN South Carolina. The company that I was going to pay name was XXXX and it is owned by XXXX XXXX who has and account with Pay Pal. When I sent it Pay Pal sent it to another company which is also called. I immediately called Pay Pal and told them and put in a dispute about this transaction. The amount is XXXX dollars. Pay Pal wrote me and said they could not do anything about it. I have tried contacting the company that they sent the money to by email because that's all the information I can get from PayPal. The email address is XXXX XXXX I have reached out twice and get no reply. I told the company about the mistake and have ask them to reply but they don't. I have since paid the man that did the work at my home at XXXX XXXX XXXX XXXX, SC and have a receipt for the work. I notice on PayPal it says why i was paying this amount so I know the company can look back and see the have never done any work at that address. I hope that we can get to the bottom of this and I can get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo already made debt settlement and they still want me to pay more paid XXXX XX/XX/XXXX was total settlement

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX XXXX 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.

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 2023-06-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX 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.

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2019, I tried to re-open a XXXX XXXX account because I was not happy with XXXX XXXX XXXX XXXX. When I tried, XXXX XXXX told me that I had a {$890.00} balance/debt to pay before I can re-open a XXXX XXXX account XXXX 
I made the payments in ( 3 ) three separate transactions because I did not have the full {$890.00} available in my bank account. 
After the transaction, the {$890.00} was successfully paid AND I was able to re-open my XXXX XXXX account, which is still my current cell phone service provider. 
XXXX still sold the account totaling exactly what I already paid, {$890.00} to Jefferson Capital Systems LLC and it showed on my credit report in Collections, which destroyed my credit. 
I have proof, ( 3 ) separate emails from XXXX XXXX emailing me of the successful payments totaling {$890.00} on XX/XX/2019. 
I have also contacted XXXX XXXX numerous times to get some assistance in removing the collections entirely because it is FALSE. Every time I called, the representative would " make note '' and have their supervisor or a representative from a different department call me the following business day. I NEVER received a phone call in response to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
I reserved a storage unit for my sister to move her stuff, my sister had the storage reservation placed in my name, and even though I contacted the storage center numerous times about canceling the contract and properly transferring it into her name cause she was not making payments they did not do so. After they sold the debt to JJ Marshall it appeared on my credit report and I disputing explain g the above that the account was never supposed to be in my name and that I had told the storage center this as well. I went as far as contacting JJ Marshall directly to speak with the agent assigned to the case. This agent admitted that they knew the owner of the account was disputed and that when they came into ownership of the account it was noted in the file that ownership was disputed. Despite this admission, the agent refused to remove it from my report. Further, every time I have properly disputed it with XXXX they have responded by saying they have verified the account as mine despite my objections to ownership and their owner 's knowledge of the contested ownership. They have sent 100s of spam emails and spam calls so often and frequently that I had to block several numbers from this agency as I was getting nearly 20-30 calls from them weekly ( including weekends ). 6 months ago I filed a dispute about this account and submitted proof as to their knowledge of the inaccuracy regarding the ownership of the account. In response to this JJ Marshall removed the item from my account, stopping the dispute, and added it back in XXXX. They are continuing to assert they have confirmed ownership and that is a blatant lie.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: MI

Complaint narrative:
This company VIKING CLIENT SERVICES LLC is trying to collect a debt purportedly for XXXXXXXX XXXX XXXX I never rented a car from XXXX. I was recovering from XXXX XXXX so I wasnt driving. The letter is vague and this appears to be a fraudulent letter. I will not contact this company as I do not want them to have my personal information. I suspect this is a new way to scam individuals of money. I am asking that you investigate. I can provide a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This company is reporting a negative debt on my credit, and I never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
1. We mailed a check to our vendor on XX/XX/2022 Check Date - XX/XX/2022 Check Amount - {$15000.00} Check Number - XXXX Payable to - XXXX XXXX XXXX XXXX. 

2. Improper Endorsement was used by Huntington Bank. We have been working with bank from 6 months and no resolutions yet. We have proof of correct and false endorsements. 

3. We will upload proof of correct endorsement ( from previous payments ) and fake endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX XXXX I applied for a credit card and was denied due to Equifax having my information wrong in their system. In XX/XX/XXXX I applied for a loan ( {$20000.00} ) and was denied for the same reason. In XXXX of XXXX I was denied a loan ( {$10000.00} ) I then reached out to equifax via mail and phone over the course of a year and a half. Every time I called equifax I was told to send in more personal information, so I did. Every time I mailed in my information I received letters to send in even more personal information. I checked up with Equifax each time I sent them information and no action was taken. In XXXX I applied for a credit card once again and was denied. While speaking to my bank associate we found exactly what the issue was. There is someone elses name attached to my social security number. I notified Equifax of the issue and sent them proof and they have not contacted back and no action has been taken since in four months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BCI FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
The interest being calculated on my account is not at 4.94 % interest rate that they are advertising, it is less. I called several times and no one will give me an explanation. They then told me to email because they couldn't give me any information by phone. This is something very simple to rectifiy and answer but so far, they have not communicated any answer to me why the interest is lower than the advertised rate. I assume my account is not the only account that has this issue and it appears they are advertising a high rate but then actually paying a lower interest rate than advertised in order to get clients, which is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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