vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX Judgement lien ( from not paying credit card ) agiasnt my checking account with Wells Fargo Legal Order Processing Department. Once I sent proof to the XXXX XXXX XXXX XXXX  that I was XXXX  they updated thier file. In the meanwhile I recieved letter from Wells Fargo that my checking account was proctected & no one could withdraw monies because it was social security. Wells Fargo did not protect my savings account, Wells Fargo All departments would not help me at ALL. I told Wells Fargo that social security was being transfered into my savings & they are taking my money. I could not cancel the transferring because I would owe Wells Fargo a monthly fee. 
I kept fighting going back & fourth with XXXX XXXX Wells Fargo, Till I finally Won. 
XXXX XXXX XXXX XXXX  asked me to send my checking & savings statements for the 60 days showing that exempt money was transfered into my savings & was not suppose to be taken because its social security money. 
XXXX XXXX XXXX on XXXX sent Wells Fargo a sign release from thier attorneys lifting the lien & allowing Wells Fargo to send me all the money they had taken. 
They sent Wells Fargo another release on XXXX. 
Wells Fargo said they sent the company a check on XXXX {$510.00} but confirmed it was not cashed. 
I have made SEVERAL calls to Legal Order processing department Wells Fargo & told me to bad, they can not give me my check. I have to call the company & ask them to send back the check. My response is : Why do I have to call I do not work for either company & the check is not cashed. 
I have asked for anyone Management, departments anyone who would help at Wells Fargo, They just keep telling me, sorry I have to get the check sent back. 
I have all the dates and names of all employees that I have spoke with. 
The bottom line, Is I did all the work, am procted under the XXXX and now that I won, Wells Fargo will not give me my check. 
this is been going on since XX/XX/XXXX. 
Please help me get my money back from Wells Fargo. I do not know what to do anymore. 
I have all the letters & faxes that are involved in this case. 
Wells Fargo Legal Order case # XXXX XXXX XXXX XXXX XXXX  Case # XXXX If anyone can help me, please. 
my contact is XXXX & of course email.

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 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I called Transworld on XX/XX/2022 and spoke to XXXX XXXX and told her that this is not my dept but it she told me she will file a report but it wont be taken off. sHE TOLD ME IT WAS A SCHOOL LOAN. I DONT AND HAVE NOT BEEN TO SCHOOL This needs to be taken off. 
XXXX XXXX XXXX has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On or about XX/XX/2022, through the Chat feature of the American Express website, I requested that American Express ( a ) reallocate the credit limit from my card ending in XXXX ( with a credit limit of approximately {$13000.00} ) to my card ending in XXXX ( with a credit limit of approximately {$12000.00} ) and ( b ) close the card ending in XXXX. This was because the card ending in XXXX had an annual fee which I do not want to pay. American Express agreed to both ( a ) and ( b ) and at that point, it appeared to me that American Express would do ( a ) and ( b ) without any further action on my part. 

On or about XX/XX/2022, I logged into the American Express website and saw that my credit limit for my card ending in XXXX was only {$1000.00} and not the {$25000.00} that I had expected. I raised this with American Express through the Chat feature of the American Express website. Again, American Express agreed to fix this. 

As of today, XX/XX/2022, both problems still remain : XXXX. My card ending in XXXX has a credit limit of {$1000.00}. The credit limit should be {$25000.00}. 
XXXX. My card ending in XXXX is not closed. It should be closed. 

Could the CFPB please help with this? 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I had an account with XXXX. I ordered two items. An headboard and modern sofa. I returned the sofa because I did not like it. The other item was an upholstery headboard which was only {$110.00}. I made my payment and verified with the representative after me paying the last XXXX since I owed nothing. She justified that. A year later XXXX hit my account stating I never paid. I called them and the representative said she didnt know why it was on my credit. I paid them off and it should not even hit my credit. They had no explanation. I asked if they could send the notes from my account where they saw it notated I dont owe anything. I have been reaching out to XXXX  more than a year. They have now sold my account the second time to midland credit management where they are saying I owe XXXX and calling and harassing me. I do not owe them XXXX. They should not even have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
updated complaint CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Depository XXXX AMERICAN EXPRESS NATIONAL BANK it is public law that the XXXX XXXX XXXX it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. An agreement was put in place as a result of undue influence, the application process would not let me move forward with the application unless I agreed and left me no other options to move the process forward. i am sure that would not have in my reasonable mind agreed to the terms they presented to me. This was an extension of credit and if I had known that i would have discriminated against with this Company like this i would have taken my credit sale to to more truth worthy bank. Someone breached their fiduciary duty because my right to opt out was either altered or not included when i was influenced to complete the application process which would leave American Express unjustly enriched by the " terms ''. I wasn't given full disclosure that I had the Option to opt of having my non pubic personal information shared with any third parties. Us young people today have a reliance on the terms and agreements provided to us by the financial institutions, and these practices have left me in extreme emotional and financial turmoil. American Express has been in Business long before I was born and today could not possibly expect me or any other young person us to understand the legal jargon in terms and agreement. It is should be written in plain langue according the Plain Language Act so that any reasonable consumer could and should understand what is being presented to them. as I could not understand the great number of pages that was presented to me in simple terms. Who authorized this method of extending credit and costs thereof in American Expresses company. I did notice that if i were to have the account opened under their current policies have been underwritten on the basis to make repayment to the balance. Is this an attempt finance an Extortionate extension of credit because it looks a lot like XXXX XXXX. American express needs to ensure thats its company has a process to take prompt corrective action if the decision-making processes it uses produce deficiencies or discriminatory results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: AR

Complaint narrative:
On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS 100 % ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning such items of information.

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus numerous times under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )

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 2022-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
The last week of XXXX 2020 I fell at home and XXXX XXXX XXXX went to XXXX XXXX XXXX Dr said it went right back into place, Should not need XXXX follow up with XXXX so I did XXXX XXXX XXXX yelled at me right off even though I waited 2 days and 2 hours to see him Scheduled XXXX so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXHe put it looked like curtain rod hangers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So then he scheduled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could get my diaper over the hardware and now I had XXXX holes in my foot to heal.took it out.Another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe he might have put a part in to stabalize ankle ( not sure ) XXXX sent me home with hole and incisions to wound center. 
I actually asked to be dismissed I FELT LIKE AN EXPERIMENTAL patient. He even said this new surgeon wants to look at your XXXX XXXX. After one office staff told me of another woman actually loosing her foot and she took her flowers. I wanted to keep my foot The can Keep the flowers.. 
I was told in lieu of a court case it had been written off because of major inconveience, time, and left with a mammned foot a club foot After their ambulance service tried to bill me for wheelchair miles XXXX?? something riduculous, and my wheelchair sat in my living room until I returned home. 
The hospital has all the XXXX  and documentation to everything I attest to Why would I give a hospital {$1200.00} or {$310.00} to make me have to use a walker for the rest of my life??????? I am in my XXXX 's This whole XXXX practice needs looked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and sent me home with XXXX aXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX saved my left leg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XXXX. Laid in XXXX Home 3 months. 
If you don't get your designated outcome then tough sh --. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was contacted by someone at this phone number : XXXX ( XXXX ) XXXX. They claimed to be an attorney and legal processing service called XXXX XXXX XXXX. They also gave me a call back number of XXXX with a case number of XXXX. They threatened to take me to court unless I settled for an original principle balance. 

The original balance claimed was {$1400.00}. They stated with attorney and legal fees that amount would be {$3400.00}. The collector stated that the debt was originally sent to collections in XXXX until XXXX. They offered to settle for the original balance. I did not agree and they hung up on me. I called back and they said XXXX XXXX, wait for your summons and appear in court. I called back again and was met with the same response. I know the statute of limitations on this debt has passed. 

I havent had an account with navy federal since XXXX or XXXX. But I did call Navy Federal. Navy Federal said I had XXXX accounts charged off. One for a credit card with a {$500.00} limit and another for an auto loan with a balance of {$4300.00}. They further told me that my account is now with XXXX XXXX XXXX. The phone number given was XXXX. 

I didnt agree to pay anything, despite their threats because I knew my rights at the time of the call. I simply asked as many questions as possible to help this agency. Even if I owe Navy Fed anything, this debt has passed the legal statute of limitations, which I believe places the creditor in violation of cfpb statutes. Id ask that you please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
They put on my credit that belong to my dad, but the thing is that they use my social and information like if i signed a contract on XXXX and i get my social on XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: NJ

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, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX and Experian. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. XXXX : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x

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 2022-12-28 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I submitted an online dispute on XX/XX/22 with Convergent in reference to a sprint account # XXXX with and balance owed of {$2900.00} that was reported to my credit file. I requested for proof of ownership and the things I requested were the original contract with my signature, the name and address of the creditors and itemized billing for that particular account, and I also requested proof of ownership, thats shows that you are the legal owner of this alleged debt, to include all the terms and conditions that are included in their purchase agreement. I received in the mail with a timestamp of XXXX XXXX that included only the itemized bill with a number I have never used. They fail to provided my the request documents with the 30days allowed to validate this as being my debt. Therefore they are required to remove this account from my credit bureau.

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 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used XXXX to send my rent money to my landlord, but he never received it. 
I went to both banks involved in person and brought my landlord with me. 
I was advised to file a police report which I did. 
Chase Bank acknowledged their errors and stated the money went into a wrong account, but could not retrieve the money without a lawsuit. I was unable to get a lawyer. 
Attached are my statements from my account at XXXX  XXXX XXXX and the Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C.! 681c. ( 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 crime 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 explanation