vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student  loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved

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 2017-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I sold items online to a buyer in another state ( Idaho ). The buyer went to the bank with my information and made a CASH deposit in the amount of {$6000.00} I called the bank to verify that the cash deposit was made and that the money was posted to my account. They told me that the cash was in my account so after confirming this, I gave the buyer ownership of the items that I was selling. The next day I woke up and the money was being " held '' by the bank ( my money ) and it was not available. Now the bank says that they wo n't give me the money because the person told them that they " deposited the money under duress ''. I 'm not sure what that means but I sold an item for CASH and when the money was in my account I believed our transaction to be complete. I have receipts and other proof of this VALID transaction. THE BANK IS HOLDING MY MONEY HOSTAGE!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Burr & Reid, LLP
State: PA

Complaint narrative:
These bills were from medical issues and should have been billed to XXXX. The hospital is trying to get me to pay full price for issues that should have been billed to the largest federal payer in the US.

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 2017-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I originally obtained the student loan with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I call myself consollidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$10000.00} with an 4 % interest rate. I did n't know that the {$1000.00} loan of 8 % would bring my {$10000.00} loan of 4 % up the 8 %. That caused me to have a {$11000.00} loan with an 8 % interest rate. I filed a complaint with you all on XXXX XXXX stating that XXXX XXXX should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. XXXX XXXX only transferred or sold my loans to Navient. Now Navient is the loan company who ruinded my credit because mh loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANCO POPULAR DE PUERTO RICO
State: NC

Complaint narrative:
I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I attended school at XXXX College, SC, in XX/XX/XXXX-XX/XX/XXXX. I received a XXXX scholarship in the amount of {$7500.00}, and the remaining balance of the tuition was paid for by the good graces of my parents. They paid around {$7500.00} of their own money to cover the remaining tuition. 9 years later, in XX/XX/XXXX, I received a notice from debt collector, XXXX XXXX, explaining that I needed to begin paying my loan off or I would be sent to collections. They made threats, saying my credit score would be effected, and that they would start garnishing my wages. They harassed me so often that year, that I began paying them in XX/XX/XXXX or XX/XX/XXXX. $ XXXX.month, for a " rehabilitation '' period of 9 months. Well, i paid them until XX/XX/XXXX, when I felt suddenly something was very wrong with this " loan ''. Sure enough, when i requested a promissory note, they never sent me one. Multiple times. Nothing. I also never received any formal documentation in the mail, not once. I then stopped making payments after XX/XX/XXXX. Then, suddenly, in XX/XX/XXXX, I began receiving calls from XXXX ( XXXX XXXX XXXX ). They too were making threats of wage garnishments and credit hits. I asked them what loan they were even talking about, and they said that I took out a loan from Wells Fargo. I then told them that no, I did not ever take a loan out for school at XXXX College, that i was on baseball scholarship, and my parents paid for the rest of the tuition with their own money. They told me that they dont know anything other than " well, it may have been a small loan, maybe for books or something, and that 's maybe why I do n't remember it ''. Not knowing if any of this was true, I refused to pay them and asked them to put me on the Do Not Call List. The calls persisted, and I asked them again several times from XX/XX/XXXX- XX/XX/XXXX to put me on the do not call list. The gentlemen on the other end of the line had a nasty attitude. He spoke down to me, as if I was a bad person for not paying my loans. Finally, beginning in this month, XX/XX/XXXX, I no longer received any calls. However, my credit has been ruined, I 've paid them $ 400+, and I still do n't have a promissory note ( because it does n't exist ). 
It is my belief that Wells Fargo forged this account without my, or my parents knowledge. I never have set foot in a Wells Fargo in my life, nor has myself or my parents ever banked with Wells Fargo. I am seeking advice/ legal/ financial restitution for this fraudulent act against myself. I believe this is the tip of the iceberg, as I am currently investigating yet another loan, this one through XXXX 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 non-monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have filed my complaint with Chase Bank earlier ( XXXX ) and now I received another letter informing me that they would start charging me {$5.00} fee for the savings account that I 've been trying to close for months, which they did n't even informed me until NOW. They said they would waive my fee until XX/XX/XXXX since they forgot to inform me but this is just an added stress to their already sloppy service. I do NOT want to be charged for {$5.00} fee for the account that should have been closed months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was paying out of State tuition in which i was in school with a double major for six years in which i became a permeant resident of the state if Tennessee in two years. I asked why I was still being charged for our of State tuition and they could n't give me an answer. I owe XXXX dollars that I ca n't pay back. I also was not contacted about the settlement or deadline. Is there a way to see if I still qualify?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I reported to bank of america that I have a lot of charges from XXXX that sent from me because I have n't taken XXXX since XX/XX/XXXX and I sparingly take XXXX unless I 've been drinking and i rarely do that. I lost my phone XX/XX/XXXX and did n't have one until XX/XX/XXXX so I was forced to use my XXXX. The claims department on XXXX XXXX told me to reach out to the merchant and handle the issue first. I proceeded to have 300+ emails back an forth for 2 weeks. XXXX even telling me on XX/XX/XXXX that I would be refunded and XX/XX/XXXX still nothing and received a follow up email telling me to dispute the charges through my bank. So on XXXXXX/XX/XXXX finally filed the claim. On XX/XX/XXXX my claim is denied and told if I wanted to reopen my claim i would need to submit supporting documents. I asked why was n't I asked this before you closed my claim. They specifically state if they needed any information they would ask. So on XX/XX/XXXX they denied my claim and on XX/XX/XXXX I submitted 11 pages of documents supporting my claim. They officially reopened my claim on XX/XX/XXXX. Meanwhile I am sleeping in my car waiting for them to provide provisional credit because I 'm broke and have no money. They put in a hardship review XX/XX/XXXX. I repeatedly called they told me they did n't have to provide provisional credit because the claim was denied. I questioned why Was my claim denied without first requesting evidence like I was told they would. XX/XX/XXXX they denied my claim again. They stated I logged in to my online banking from a mobile device which was my XXXX but did n't give me any more info. I reported these charges promptly and was told to contact merchant. There were 15-20 XXXX charges A day. There were over a 1000 dollars in a 10 day span of XXXX charges. They did n't even bother to file my XXXX claim. They completely just disregard my claims when I have provided supporting evidence of not only receipt of stolen device but also my attempts to reach out to merchant 300+ times.

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 2017-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S Bank reported me to XXXX on the XX/XX/XXXX for owing {$60.00}, it does n't make sense to me as I walked into the XXXX XXXX XXXX XXXX XXXX, CA XXXX location on the XX/XX/XXXX to close out my bank account. I closed out my bank with XXXX XXXX and I came in on XX/XX/XXXX to verify to why US Bank reported me. XXXX tried to investigate and was not aware to why or eve how I was negative {$60.00} on my checking account. She also recalls me going to the US Bank and closing my account without having any issues. XXXX called the back office to try and figure out to why I was reported. The Back office notified her that they never reported me to XXXX and that XXXX might have some kind of error. I told them I tried to open a bank with XXXX XXXX and was unsuccessful due to being on XXXX. XXXX was transferred 3x and was not able to get any information to why I was reported. After she hung up I showed her my XXXX report and explained that I was reported. On the report it shows that US Bank reported me on the XX/XX/XXXX but when looking at my bank statement I owed XXXX on XX/XX/XXXX and even on the XX/XX/XXXX when it was the ending balance I was at XXXX. XXXX once again called and gave the information over that US bank did indeed report me and the first person she spoke to was not able to have any information to why, They ended up transferring her over again and then the 2nd person said that " US Bank reports people to XXXX every week and then thats the reason to why I was reported. '' I am confused as on my bank statment it shows that I requested to close my bank account on the XX/XX/XXXX and the account getting closed did not go into effect until the XX/XX/XXXX. What is confusing me is that on the XX/XX/XXXX I had a XXXX Balance and that is the same exact day that US Bank reported me to XXXX. I also see that once the account was closed I was charged a {$30.00} fee for " force-closed account fee '' Which I am not sure to why it says force-closed on XX/XX/XXXX if I came in on XX/XX/XXXX to close out my account. PLEASE HELP!

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 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I recently contacted the CFPB to dispute a late payment that American Express is refusing to move for XX/XX/XXXX. I did not have additional documentation at the time but have gathered my statements. American Express is claiming they are reporting the information correctly, that my account was 30 days negative for this month. However, my statements show consistent payments during this time. I have not disputed the accurate information from previous late payments, only this one that was made in good faith to get back on track with my bills. My XX/XX/XXXX payment was received XX/XX/XXXX through the agency, and my credit report shows it as on time. My XX/XX/XXXX payment in question was received on XX/XX/XXXX yet it is marked as late. AmEx has not even reported payments after the XX/XX/XXXX, evidenced by the screenshot. When I try to correct this, I always get told about the integrity of the credit report, but it appears to me based off my statements and the other months on my report that AmEx is more concerned about saving face than admitting to an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRSTBANK
State: AZ

Complaint narrative:
for the past 2 weeks, First Bank of Colorado ( dba 1stBank ), has charged over {$200.00} in Nonsufficent Funds Fees to my checking account. Despite this practice occurring in a predatory manner ( this issue has occurred over the past 2 weeks or so ), the bank continues to fail to give a reasonable answer as to why these NSF fees were charged, and refuse to refund or reverse the predatory charges in question. I contacted customer service on XX/XX/XXXX ; they were able to reverse 2 of the charges but that fails to account for even still almost {$200.00} that they essentially stole from my account without notice or reason. I am deeply perturbed by this occurrence and am seeking all avenues possible to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have a loan serviced by Caliber Home Loans, Inc. ( Caliber ). It has recently settled a lawsuit involving allegations that Caliber, or an entity on Calibers behalf, called people on or after XXXX XXXX, 2011 on their cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice. Caliber has agreed to pay {>= $1,000,000} into a fund from which eligible persons or entities who file claims will receive cash awards. I have still not been contacted by them regarding this class action settlement. CALIBER HOME LOANS SETTLEMENT CLAIMS ADMINISTRATOR XXXX XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Syncb/Care Credit aka Ge Capital Credit aka Synchrony Bank, account number ending in XXXX On XX/XX/XXXX Syncb/C.C. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and Synch/C.C. for verification. Over 30 days later on XX/XX/XXXX Syncb/C.C. recalls ownership of the account from XXXX. Then on XX/XX/XXXX Syncb/C.C. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and 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 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX. for verification. Over 30 days later on XX/XX/XXXX XXXX. recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXX aka XXXX Bank, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX. in regards to the account. On XX/XX/XXXX XXXX. changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX for verification. Over 30 days later on XX/XX/XXXX XXXX recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and 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 non-monetary relief
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
Sydicated Office Systems LLC and Central Financial Control are attempting to collect on a medical debt that is not mine from 2012. When I asked for verification of debt with their company on letter head and my signature, they sent me billing info and hospital admitting information for an infant that is not mine. I 'm not sure if they have combined my billing and this other person 's billing together. I have asked this company to remove all information from my credit report from all credit bureaus because the debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Checking 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.

Company response to consumer: Closed with explanation