vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: WI

Complaint narrative:
-I had a routine XXXX  on XXXX at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-On XXXX, I received the first incorrect bill for XXXX  service ( should have been preventive ). 
-I have contacted XXXX XXXX on more than 10 occasions to resolve the issue. 
-My doctor confirmed that it was mis-coded and was a preventive procedure. She and her staff have also tried to resolve the matter numerous times. 
-In several of the calls, XXXX XXXX personnel said they would resolve the matter and/or respond back to me and my doctor 's office. They never did. 
-XXXX XXXX are pretending that I didnt provide enough information to bring the debt into question. On XXXX, I received a collections notice from Sequoia Financial Services - a debt collector - to my surprise. 
-OnXX/XX/XXXX, I disputed the debt through my attorney, who informed the debt collector that this activity was known as up-coding and is illegal in the State of  California . 
-On XX/XX/XXXX the debt collector sent another ( incorrectly coded ) bill for {$830.00}, and referred to their correspondence as a response to a request for debt validation, from my attorney. No such request was made. Once again, XXXX and the debt collector didnt provide any responsive correspondence. 
-I have documentation of these facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX  and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.

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 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I live in XXXX, GA. I Tried to establish new Power service, and XXXX XXXX  could not check my credit with Equifax, they thought I had a frozen or block account, I called Equifax customer service XXXX 3 different agents they said I don't exist with Equifax, they don't have a file or any records, they told me to call my lenders and ask them to start reporting to Equifax, I did that called 3 different lenders and asked them if they could start reporting to Equifax, they told me that they do report automatically every month to all 3 Bureau credit agencies. so I called them back still get not help at all. interesting thing is I get a monitored credit check with XXXX by XXXX and they provided me my 3 scores every month, from XXXX, XXXX and Equifax, but no body from Equifax seems to care or neither know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a Wells Fargo " Home Project '' account. I have made regular, on time payments for over 5 years. Paying the first charge early. And with a new purchase paying on time every month since XX/XX/XXXX. 

On XX/XX/XXXX, I went online to make a normal monthly payment. Due on XX/XX/XXXX. I selected the incorrect amount, apparently selecting a button that said pay the full amount. 

On XX/XX/XXXX I noted that my checking account was debited for a " NSF Fee ''. 

I called Wells Fargo immediately - and was informed that the payment would pass through the bank up to 4 times. I asked if there was a way to stop it, explaining I made an error. They said only after it attempted 4 times, and returned 4 times would that be possible. As once it is " in the system '' there is no way to turn it off. 

So, I called my bank and arranged for a personal line of credit, sufficient to pay the XXXX. 

I was charged XXXX by Wells Fargo for an NSF Fee. I promptly paid this on XX/XX/XXXX. 

That payment was extracted the NSF on XX/XX/XXXX. 

I called Wells Fargo and asked them to please reprocess the payment for the full amount. I informed them I had taken a personal loan and would like them to extract the full amount ( XXXX ). They informed me that they were not able to accomplish - except sometime in the " next 15 days ''. 

Would you not know, 16 days from when they made this claim ( XX/XX/XXXX ) is when the account was due for its normal payment. And that it could then be reported as delinquent. 

I have never missed a payment with this bank. My mortgage is with this bank and I have had the home projects. I made an error that should not even be able to be made with no checks and balances system. And to be certain, a phone call should have been able to be made and have the situation rectified right then.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have sent several requests to this company to prove that this debt is mine. They sent me an itemized bill which is not legal. The name of the creditor is Amsher Collections in XXXX Alabama. They are still reporting on my XXXX  file in the amount of XXXX They were removed from the other two but not removed from XXXX. I have also contacted XXXX in regards to this the last time neing just in XX/XX/XXXX. XXXX  keeps saying that I need to send in updated ID and billl which I have done several times. I have also disputed it online with no action taken. Police reports have been sent to all credit agencies regarding this debt as well for my ID was stolen. I sent correspondence to this creditor on XX/XX/XXXX and did not hear back until the end of XX/XX/XXXX which surpassed the 30 days allotted as well. I have also sent this into the credit agencies along with the tracking numbers for the mailing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Back in 2001 I tried to put my payment back on deferment due to not working and XXXX would not help me get a job in the field that I graduated for. I believe it's because I was one of many students that was XXXX XXXX  by one of XXXX instructors named XXXX. Since then whwn I ask for paper work to lower my payment they say they send it out but I never get it. 
Now they just take my income takes. 
I have called XXXX to see if we can come up with an agreement they tell me to call Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
On my XXXX credit report # XXXX appeared a fraudulent Bank of America account # XXXX opened on XX/XX/XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.

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 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I looked at my credit score on XX/XX/2018 through my XXXX XXXX XXXX. My score was XXXX. 
On XX/XX/2018, when I looked again my credit score was XXXX. 
I called XXXX XXXX and asked for an explanation. They could only tell my to contact you. 
I want to know how and why this happened. 
What causes a score to drop 28 points in less then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please reference CFBP case # XXXX as well as this information. 

I had a BOA HELOC that was closed & charged off in XX/XX/2011. The last payment made on it was at least a year before that point. After case # XXXX however, BOA stopped reporting the " Date of First Delinquency '' to the large credit reporting agencies. As a result, even though this account is now past the 7 years since it was last active mark, it has not been removed from my credit report per policy and Federal law.

I would ask that now this account has reached the 7 year mark from the DOFD, they take steps to have it removed entirely from 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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have never done business with XXXX XXXX, and do not owe them a dime for cellular services. I've never been notified of an outstanding debt from Convergent, and they have never responded to my repeated attempts to have them validate the debt. It is disheartening that this company and others are allowed to violate the FCRA continually, and they do so without repercussion from the CFPB.

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 2018-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Approximately one month ago, our Citibank Citigold Representative called my wife, XXXX XXXX, and asked her for some information regarding her employment, our net worth, etc. Citibank told her that this related to the KYC ( Know Your Customer ) mandate. My wife provided all the information requested. 

Last Thursday ( XX/XX/XXXX ), our checking and savings accounts were frozen. We spoke with XXXX XXXX, our Citigold representative, who investigated and learned that, although he had submitted our information to the KYC group, that group " had a large backlog, '' and therefore our information was not entered into Citibank 's system. As a result, action was taken to close our accounts. Our representative requested that the account closure process be stopped, but was unable to do so. He told us that Citibank 's internal policies did not allow him to reach anyone with the authorization to reverse the account closure action once it had commenced, even though the KYC group acknowledged that the process had been commenced in error. 

It is now Wednesday ( XX/XX/XXXX ) and we have received no helpful updates. We have been told by Citibank that our account has been unblocked, but the money has been taken from the account. Our Citibank rep is unable to learn whether ( or when ) our money will be returned to our checking and savings account. He tells us that it is possible that a cashiers check has been produced, in which case our money will be mailed to us. He says it's also possible that no cashiers check has yet been produced, in which case it may be possible to reverse the ledger transaction and return our money to our account. He told us that it is not possible for a Citibank branch representative to directly speak to the group which is responsible for handling this, so it's impossible to tell us where our money is. He says that he must wait for someone within that group to send him an email, which may come tomorrow, or next week, or at any time. 

Meanwhile, we have many our bills tied directly to the account, and are bouncing payments all over the place. This will undoubtedly damage our credit, and hurt our relationships with various utilities and other companies, including some small businesses. 

This, obviously, is frustrating to us, particularly since we still have no certainty around how & when it will be 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 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a purse from XXXX XXXX XXXX that arrived on XX/XX/XXXX. The purse was a fake so I returned it on XX/XX/XXXX. This is well within the 30 day return policy. It arrived back to merchant on XX/XX/XXXX. This can be verified via the tracking information from USPS. 

The vendor did not respond to my emails and they do not list a phone number of their website. A internet search on this company shows a history of selling fake items and ripping off consumers but not refunding payments. 

I disputed the charge with Chase as their credit card was used for this transaction. I have provided them with the tracking information several times and have spent hours on the phone with their dispute department. It has been more than 5 months and they still refuse to refund this transaction. This is completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.

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 2018-05-16 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: CA

Complaint narrative:
In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.

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 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Over the last 7 years I have paid American Education Services upwards of {$29000.00} [ proof attached ], and only {$6800.00} of that money has gone to the principal balance. On top of that, I've paid XXXX   upwards of {$22000.00} and my principal balance has only gone down by about {$2000.00}.

I have called American Education Services MANY times over the years. Just last night, they told me that they are just " servicing '' my loan. And that in order for me to speak with my lender - XXXX XXXX XXXX, I need to write the company a letter ... which American Education Services will send over on my behalf. AES refuses to connect me directly to XXXX XXXX XXXX to allow me to discuss the exorbitant amounts I'm paying -- which are not being applied properly. This feels like a complete scam. There's no reason why they shouldn't let me speak to XXXX XXXX XXXX  on my own.

This is an absolute injustice. I've been DROWNING for the last seven years and working so hard to pay off these loans, and I am seeing no movement. I'm hoping that the actions I continue to take will help bring to light how awful and abusive these companies are. It's completely unfair that these big companies can get away with overcharging young adults who are simply looking to improve their lives by attaining an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have repeatedly tried to get Wells Fargo to correct their difficenct systems and practices, to no positive result. In each case, Wells Fargo just demands more and less practical information. I have previously asked Wells Fargo to correct this information, in return they claim that their records don't match and that I must provide bank records from nearly a decade ago in some cases to correct their records. 

I had a WFDS loan for an auto that was paid in XX/XX/XXXX. To this day, Wells Fargo continues to report the loan delinquent, with delinquenceis in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Attached are payment confirmations that I received from Wells Fargo as they happened. If you reference CFPB Complaint # XXXX you will see that Wells Fargo simply denies the problem and demands yet more records that are now at this point nearly 7 years old. 

In light of the recent facts that have to come light with Wells Fargo practices, including : - Massive settlements regarding fraudulently opening accounts in the names of customers - Abusive red-lining and discrimination against other XXXX and minority customers AND - Underhanded sales practices and dishonesty that stretches to the top of the company I feel it's time to revisit this issue which has negatively impacted me for nearly 6 years.

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 2018-05-16 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: CA

Complaint narrative:
An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.

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 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: DE

Complaint narrative:
contacted : XXXX and XXXX on XXXX still have on credit report for XX/XX/XXXX - i am tired of each month going through phone calls and mailings to having this same XXXX having as many as four each month of hard inquires, I have checked and they insist I have gone to different states and applied in person ( even XXXX  ) I am XXXX years old and home bound. How can I stop this. 

XXXX  : again each month phone calls are made and disputes made for XXXX XXXX  XXXX, XXXX ~ three or four times a month, now still in report, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX ~ once  again they take it off, but I have to do this every few months. XXXX XXXX said there is nothing they can do. Really, yes they get a red flag, but still can and do put it on report. 

Cavalry phone XXXX has billed me for XXXX, and another for XXXX XX/XX/XXXX I asked for back up. I did receive paperwork, with no signature, address listed as XXXX XXXX, XXXX, md the US postal service does not have any idea where this is. I live in XXXX. I have reached a point that they are harassing me with no reason. 

Note : I have never had a XXXX, XXXX or XXXX XXXX account in my life.

Company response to consumer: Closed with non-monetary relief