vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I began to really look at my credit this year and even pay for credit monitoring now when I noticed this collection account from SEQUOIA FINANCIAL SVCS. I disputed the item with XXXX, and on XX/XX/2019, they responded saying it was verified by Sequoia with no supporting documents. I also send a letter to Sequoia on XX/XX/2019 requesting verification as I know the debt is not mine. The certified letter I sent to Sequoia was signed for on XX/XX/2019. I never received any response from Sequoia, they never marked my credit report as being under dispute, which I have screenshot evidence of from my XXXX account, and I have never been able to get anyone on the phone. Instead, they continue to increase the amount they claim I, " owe, '' on my credit report. I waited patiently for some type of response and have never heard a word from Sequoia, so once again, on XXXX XXXX, 2019, I disputed this collection account with XXXX  asking for some type of verification to show this is my debt and I have not heard a word from Sequoia, however, in the last 2 days, XX/XX/2019 and XX/XX/XXXX, they have increased the amount they claim I owe, once each day, almost like a retaliatory action for disputing this item. I expect them to do it again today. They provide no response to my demand for verification, but, they keep increasing the amount of my credit report and now they are doing daily, which they have never done in the past, their past pattern shows them doing it monthly or even weekly, but, not daily. This is absolutely ridiculous and I am prepared to file a small claims claim against this company if this matter is not resolved. I live in California, not far from this company, so I will not hesitate to file a claim/case, however, I want the CFPB to investigate this company and their illegal actions, and I am hopeful it will be resolved at this level before I have to put the time and energy into a lawsuit. Supporting documents will be attached. I have been trying to resolve this matter since XXXX with no response, no response letters, no communication at all, simply ignored, no update on my credit report to show I disputed the item by Sequoia, instead, they have ignored me while continuing to increase the amount they claim I owe. I would appreciate all the help I can get from the CFPB with regard to this company, I want the item removed from all three of my credit reports and I want action taken against this shady company. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CO

Complaint narrative:
On XX/XX/XXXX I filed a police report. I submitted this with also my drivers license and social security card as well as my statement. They have failed to remove this fraudulent accounts as the say my police report doesnt meet their internal policy. I asked what is the policy so I can have the police correct this issue and they will not disclose this to me. I have tried sooo many times to have these things resolved and they are failing to help me. If the government says I was victim of identity theft how is the credit Bureau refusing to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened an account in XX/XX/XXXX with Capital one to rebuild my credit. I made more than the minimum. Monthly payment of XXXX to pay off the balance via my checking account on XX/XX/XXXX. This payment was held and claimed for fraud verification. When speaking with a representative on XX/XX/XXXX she implied that payment was returned which is was not. I made multiple payments after but had another issues in XX/XX/XXXX where only one XXXX money order was applied to my account and I was informed via phone call when speaking with a representative my additional XXXX money order was shredded and would not be applied. I escalarws issues and submitted confirmation of the payment via secure document upload then additional money order wash cashed by capital one and both were mailed in the same envelope but one was applied days later. I have since mailed XXXX on XX/XX/XXXX and capital one has failed to apply this payment I have since given confirmation of my payment via secure document upload. They have then on XX/XX/XXXX applied XXXX worth of charges to my card for my XXXX dispute for a payment they cashed making me over the limit while declining further transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a loan through Wachovia Financial Services beginning in XXXX. We had our own insurance policy per requirement for auto loan. At the end of XXXX, beginning of XXXX we ran into a financial hardship and became late in making the payments. The truck ( XXXX XXXX XXXX ) was voluntarily given back before the actual repossession took place and we were told that when at auction if the truck sold for more than what we owed a refund would be issued. Also if it sold for less we would be responcible for the balance still owed. We never heard anything. Fast forward 10 years later, I receive a letter from Wells Fago stating they want to know who my insurance carrier was for the months of XXXX XXXX to XXXX XXXX. We have moved 7 times since XX/XX/XXXX. Literally 7 times. All of my records from that time period have been lost or still in boxes I am unable to locate. I need to know who my insurance company was for the end of XXXX, or a copy of my loan agreement. Wells Fargo has this information and is witholding it from me, because there is a suit against Wells Fargo for charging customers for auto insurance ontop of the private auto insurance customers like myself already had. I never received a termination notice from an insurance company. I have a reference number with Wells Fargo : Ref. XXXX If I can provide them with my auto insurance information from the time period above, I am due a refund. 
Our loan was nearly paid off and they were not willing to work with us, that's why we voluntarily let them take it. Had I known I was being charged for extra insurance that would have lowered our payments and the repossession may have never taken place. My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX CA XXXX. During the time I had the loan I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX. My phone number is XXXX. I have tried everything I could to obtain this information from DMV, CLUE, XXXX, Ca. Dept. of Insurance, a credit report, an online site called XXXX, and now you. Well I have started calling insurance companies to see if I was insured through them with no success at this point. Please, can you help me? I know the information is there, but I can't find it. 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 2019-10-30 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: TX

Complaint narrative:
I have accounts that do not belong to me reporting on my Experian report. I have tried to address the issue with Experian. They have not provided verification of the accounts to me. I also requested verification of the account from the creditor XXXX XXXX and they sent me a letter stating that I was not responsible for the debt. They also sent the letter to Experian. I have since sent the letter to Experian 3 times. They refuse to remove the account. The only response I get from Experian to my letters is that they do not have enough information to verify my identity to complete my request. This makes no sense since each time I have sent a copy of my ID, my Social, and a Utility bill verifying my identity, and address. Experian is deliberately reporting incorrect information. This letter is dated XX/XX/2019. That is 60 days that Experian has had to correct their mistake, and yet they have not corrected it.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2019 a check in the payoff amount of {$14.00}, XXXX was issued to Barclay Bank to pay off XXXX XXXX XXXX XXXX XXXX account. The USPS tracking showed the check was received in the Delaware processing center on XX/XX/2019 and was negotiation on XX/XX/2019 though XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX. The payment was still not applied to the account on XX/XX/2019 so we contacted Barclay for a status. They advised us they would look into the matter. We called again on XX/XX/2019 because the payment had still not been applied to the account and the agent was still unable to locate the payment. We called again on XX/XX/2019 and request to speak with a supervisor who indicated they still had not located the payment, at which time we informed them that we could provide the cancelled check, which we did by e-mail on the XX/XX/2019. We have called every day since XX/XX/2019 and keep being told that despite all of the tracking information, cancelled check and sending by overnight mail my marriage licences and passport ( which they would only accept by fax to a number that is always busy, US postal service or overnight mail ) showing my married name, which they received by overnight mail XX/XX/2019 but still refuse to apply the payment and keep telling us that we can't speak directly to the group that conducts the investigations and that we have exhausted all avenues to getting this resolved sooner than 30 days. Because they have not applied the payoff, we are now forced to make a minimum payment of {$830.00} in order to keep the account in good standing while they investigate. We are also accruing fees and interest on the unpaid balance.

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 2019-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells fargo bank in XXXX ks has noticed me that a bank account was opened in my name and info as well as it has now closed with a negative amount balances off {$620.00} it's now on my credit score and it was not open by me someone else got my info how do I get it taken care of

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 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I brought my car to a dealership to get fix and used my XXXX  XXXX XXXX..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from capital one..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now capital one ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

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 2019-10-30 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: Expedite Financial, Inc
State: NJ

Complaint narrative:
I brought my car to a dealership to get fix and used my XXXX XXXX card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from XXXX  XXXX..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now XXXX  XXXX ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

Company response to consumer: Untimely response
Consumer complaint received 2019-10-30 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: NJ

Complaint narrative:
I brought my car to a dealership to get fix and used my XXXX XXXX card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with XXXX XXXX stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to XXXX XXXX I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from XXXX  XXXX..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now XXXX  XXXX ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

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 2019-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19 my full balance payment of {$280.00} to Kohls charge card posted to my account 2 days late ( due on XX/XX/19 and XX/XX/19 was legal holiday ). I did not realize that it posted late or that I had accrued a late fee. I thought I had a XXXX   balance. I was not aware of any other statements that stated I had a late fee. 
On XX/XX/19, my XXXX account notified me of a 75 point drop in credit ( from over 800 score previously ). I immediately investigated and found that I had a {$27.00} late fee + {$2.00} interest incurred from XX/XX/19 and called Kohls to pay the late fee charge over the phone. 
Over the past 6 months, I have disputed with XXXX and sent letters to Kohls to get the late payment charge for the late fee removed. The last response from Kohls refusing to change the credit reporting was XX/XX/19. The purchase balance was never 30 days late-it was 2 days late. It was the late fee that I did not know about that affected my credit report. I contacted Kohls last month and they actually reversed the {$27.00} fee that was charged on XX/XX/19 but they will not remove the late payment reporting for that {$27.00} charge plus the {$2.00} interest fee for a total of {$29.00}. I am unsure why I am still being penalized for a late payment for a late payment fee that was reversed. This has taken my credit score from over 800 points to XXXX and affected my ability to get a good interest rate on a refinance ( it is now in my husbands name only since my score affected our ability to get a prime interest rate ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Made several attempts to request feedback regarding complaint filed with information on credit report. Company failed to verify, comply and respond according to FCRA Guidelines.

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 2019-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Billed a lump sum of XXXX interest after ironically getting my balance paid down as well as closing my account without prior notification. Disclosures were not provided and business practice was not open and honest. Lowe 's Credit Card is a very bad business association and I will never do business with this company again. I will be sure to inform any persons considering this company of how misleading and dishonest they are.

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