vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I stayed at XXXX XXXX XXXX  in XXXX XXXX We signed our first lease on XX/XX/XXXX. We were never late on our rent and never caused problems for management. Our lease was scheduled to finish in XXXX of XXXX. I was notified that I would be medically XXXX from the XXXX sometime in XXXX. We spoke with the property managers at the time, XXXX XXXX XXXX and XXXX XXXX XXXX, and we were told that there was no issue with finishing our lease early as I was XXXX XXXX when we re-signed the lease on XX/XX/XXXX. We said we were unsure when we would be able to move but we were assured it was fine as the lease does not have a time period as long as the lease was signed while XXXX XXXX. 

When we turned in the XXXX  and notified them that we would be vacating the premises in 30 days XXXX XXXX was no longer working there and XXXX XXXX said she did not have any knowledge of us signing the lease while I was XXXX XXXX. We assured her she was present and showed her the paperwork showing she was the one that signed with us. She became irate and told us to leave the office and we complied. 

We went to the XXXX XXXX XXXX XXXX  XXXX and they typed out a letter informing them that they were violating OCGA 44-7-22 which also does not contain a time limit. My home of origin when I entered into the XXXX  is greater than 35 miles from the rental property. We turned the letter in to the XXXX XXXX and she again became irate and demanded we leave the office. We again complied. 

We moved out of the property and our belongings were moved by XXXX XXXX, indicating that we were still within the scope of our XXXX XXXX to move. 

XXXX XXXX XXXX then persisted with their early termination charge in violation of OCGA 44-7-22 and our lease. 

We filed a complaint with the XXXX  and XXXX XXXX XXXX did not respond to the complaint. 

We were contacted by Fair Collection Outsourcing ( FCO ) about said bill. We disputed the debt and sent them all of our documentation showing the charges were in violation of OGCA 44-7-22 and our lease. They responded with an email containing no documentation and stated they called XXXX XXXX and she told them to continue with the charges. FCO did not do a proper investigation into the debt owed.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX bank treated us unfairly they denied us a loan Modifications i XXXX XXXX was on the phone begging with XXXX for a Modifications every day or every other day everything they ask for i sent it to them or Fax it to them at frist i thought they was try to help us but man was i Fooled later it was very very hard to get in contact with XXXX even when i got a phone open to leave a voicemail messages know EVER call me back next i new few weeks later we was receiving Foreclosures Papers, I had a bad accident on the job XXXX and i had to XXXX this put me out of work on to workers Comp for 2 1/2 years them my did not call back so i had to find another job them my wife has a massive XXXX that put my wife out of work for good XX/XX/XXXX now she is fully XXXX  one i know big banks don't care about any 'HARDSHIP ' that you have they always only care about THE MONEY not or us the house located at XXXX XXXX XXXX, XXXX, NEW YORK 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 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a loan with Capital One Auto Finance for a XXXX XXXX XXXX. It had been repossessed once and I got it out within the same week that it was repossessed. That was several years ago. 
I then tried to trade the car in for a new car and was told that it had been charged off and that the charge-off was on my credit report. I was never told that the car was charged off and for several years had been paying a car note in excess of {$500.00} of which none of my payments were being recorded on my credit report. 
The car was eventually repossessed in XXXX ( which I thought at the time was against the law due to the pandemic ). At that time they requested a payment of {$5000.00} to get the car back. I was unable to pay that amount and consequently have been without transportation since that time. 
My question is this : How can a loan company charge-off a vehicle for {$20000.00} ( without notifying the client of the charge-off ) and then continue to harass the client for payments for years afterward? Then the finance company repossesses the car ( that is already paid-off ) and then gets to resell the car and I still owe for the car. That seems like triple jeopardy for me and the finance company gets paid XXXX times over for the same vehicle. 
I wonder how many consumers have experienced this tactic from Capital One Auto Finance or other predatory loaners like them? i am sure that I am not the only person who has been victimized by these practices and exactly how much money do these lenders make off of one car?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I spoke with my then personal banker again ( XXXX XXXX ) in regards to deposits & excessive fees to my checking account, and the last time we spoke in regards to my account, she agreed that my account had been compromised and the correct deposit for reimbursement was never added to my account. Instead she was promoted and my account was closed by Prosperity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Eqiufax XXXX XXXX Are in violation from reporting information on my consumer credit file 15 USC 1681 602 A, N, I 15 USC 1681 604 15 USC. 1666 B 15 USC. 1635 N Multiple soft inquiries on the consumer report. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: LEXISNEXIS
State: MS

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I wrote a check to my lawn services company and the check was fraudulently cashed ( per my lawn service provider ). I'm now trying to get the money from my bank for the check ( my bank is Chase bank ), and they have reported that they are trying to get the money from XXXX XXXX XXXX  ( where the fraudulently cashed check was cashed ). I have been waiting more than 90 days, and was originally told that I would have a response within 90 days from Chase bank. Now chase bank is telling me that they will not know about reimbursement until XXXX XXXX XXXX  responds to them, but that there is no guarantee for when I will be reimbursed. I know that I'm legally owed the money back from XXXX XXXX XXXX, but it's unclear to me how I can legally hold them to this and have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Changed insurance companies in XX/XX/2022 for my mortgage. XXXX XX/XX/2022. Sent Freedom Mortgage company a notification stating changing insurance companies and not to send payment to XXXX XXXX XXXX XXXX as they were being canceled. Notification to cancel XXXX XXXX XXXX was sent XXXX XX/XX/2022 via my insurance agent. Sent all required paperwork for new insurance company on that same day to Freedom Mortgage. Insurance agent has receipts showing they received it and sent again on XXXX XX/XX/2022, since they never admitted receipt for new insurance company. Mortgage company sent payment of {$5000.00} to canceled insurance company and not to new one. Canceled insurer sent refund check to me. Mortgage company demanded and gave instructions to have all monies be sent back to them and they will pay new insurer. Mortgage company never sent payment of {$2300.00} to new insurer within allotted time of 3 months since initial policy date back in XX/XX/2022. On XXXX XX/XX/2022 XXXX canceled the policy due to nonpayment. On XXXX XX/XX/2022, Freedom Mortgage admitted to their mistake via phone conversation, however, as of XXXX XX/XX/2022 seems unwilling to work or compensate for their error. Can not get new insurance thru same company until after 30 days from cancelation date. New insurance policy with a different company will cost x2 as much as original quote. Their failure to pay has now placed an undue burden on me.

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXXrviced my conventional mortgage which was paid and closed on XXXX. Upon closing, there was a remaining escrow balance of {$1000.00}. 

On XXXX a check was supposedly sent to me to clear the balance. This would have satisfied the 12 CFR 1024.34 regarding timely escrow payments. I never received this check. 

On XXXX, after reviewing personal documents, it was discovered that the escrow check had not been received/deposited into my account. A call was made to XXXX XXXX and a 60 day work order was submitted to investigate and re-send the check. 

On XXXX, no check had been received and no information had been shared, so a follow-up call was made to XXXX XXXX No new information seemed to be available, so an internal expedited request was submitted. 

On XXXX, no check had been received and no information had been shared to me. At some point along the way, the work order had been re-submitted and check had been re-ordered. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX It was shared that the check had been re-ordered on XXXX and that a check might have been sent on XXXX, but no confirmation could be made available. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX. During this call, it was indicated that the check had been sent on XXXX and that it should arrive within XXXX business days ( no later than XXXX ). 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX During this call, a new expedited request was submitted, but no resolution was reached. I spoke with multiple supervisors and managers. One of which revealed that no actual request had been submitted on XXXX, and there was no evidence of a check ever being cut on XXXX. 

I have yet to receive the escrow check or any tangible information regarding the payment. All along the way, no email, digital communication, direct point of contact, work order ID number, or any other convenient mechanism to track the issue has been made available. When asked how to submit a formal complaint, XXXX XXXX XXXXnvited me to send them snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint in reference to number XXXX. I was recently denied a credit card from American Express and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from XXXX, XXXX, etc. XXXX wrote these laws to help and protect consumers such as myself. I spoke with 2 representatives one by the name of XXXX XXXX XXXX number XXXX who was very rude and talked aggressively telling me I was wasting my time and XXXX XXXX XXXX number XXXX who was trying to assist me the best she could. My experience with XXXX was horrible and no customer should be talked to that way EVER. I have also submitted a complaint to the Attorney XXXX and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from American Express even after sending an email to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I.m dispute error on my credit report with XXXX XXXX Dayes pass due with company Consumer Portfolio service.i disagree..need to be correct .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: MS

Complaint narrative:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: AR

Complaint narrative:
I am filing a complaint against Integra Credit for operating a payroll loan service in the State of Arkansas and charging customer 's interest rate beyond the allowed limits in the state of Arkansas which is 17 %. Also, under Arkansas Law payday lenders are prohibited from providing loans to customers in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
We have a Bank of America credit card. We needed to use XXXX to pay our maintenance person, it is an ongoing payment. Since our regular XXXX  does not work with XXXX we opened a checking account with BOA so we could use XXXX through them. We processed a cash advance from the card to deposit funds into the checking account. BoA then shut off our credit card, claiming suspicious activity. I called them and tried to get it turned back on. They refused. They said I had to go into a branch to fix this. We live in Alaska. There are no BoA branches here. I would have to get on a plane and fly to Washington state, roughly XXXX miles away to get this fixed.

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 2022-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went on vacation and stayed at a hotel that I booked through a 3rd party. When I arrived at the hotel everything was fine and they needed a credit card for damages and/or incidentals, which is standard procedure. I agreed to give them the credit card for damages and incidentals ONLY. Upon checking out the hotel advised me that I had to pay a resort fee for each night that I was at the hotel. I told them I did not want to pay it because I did not know about it and I would have stayed at a higher-end hotel if it was going to cost that much. The hotel told me that they would just take the resort fees out of the deposit that I gave them for damages and/or incidentals. I told them that I did not agree to them doing that. Bank of America tells me that I need to hire an attorney to deal with this matter because hotels can charge you for whatever you want. I feel like this is robbery from the hotel and neglect from Bank of America.

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 2022-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX put XXXX a foot of water in my home, and Wells Fargo gave me wrong information. previously reported to XXXX. 

Just adding this to give documents supporting 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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Bank of America on XX/XX/22 and was informed that no account has been opened. I received notification of a credit inquiry without my consent.

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 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into XXXX  do to XXXX failure. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. 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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I was interested to hear about the recent settlement against Wells Fargo, because I have just reported to them what I believe to be fraud that has negatively impacted my credit. 

I co-own a house with my XXXX, who sent me papers from Wells Fargo in XXXX, which he claimed would remove my name from the mortgage. He was in the process of modifying the loan to add arrears and extend the term of the mortgage to lower his payments ( I have not entered this house since XXXX, he has managed it by court order since XXXX, and it was ordered to him in our XXXX XXXX XXXX XXXX XXXXXXXX ). 

Every paper I signed for Wells Fargo, with a notary stamp had the following clause under my signature : " XXXX XXXX XXXX signing solely to acknowledge this agreement but not to incur any financial liability for the debt ''. 

With these papers, Wells Fargo did modify the loan, did not remove my name from it and I now have $ XXXX additional debt on my credit report. I believe this is fraud.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I hope you're doing well. I'm writing a new complaint because, I didn't receive the necessary documentation from Citibank to prove they could close my account for a payment that was returned on XXXX XXXX of {$590.00}. I paid the payment on XX/XX/2022 by debt card as soon as I realized the payment didn't go through. My credit card payment is due on the XXXX of every month. I have even paid over the minimum payment. My account shouldn't be closed. I requested a copy of the card issuer agreement. They refused to send me the card issuer agreement to back up their claims that Citibank has the right to close my account due to a one time issuance of a non sufficient payment. I paid the card on XX/XX/2022. This was two days later. I don't have a 30 late.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized fees and excessive overdrafts

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