vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Stallings Financial ( STALLINGS FINANCIAL GR XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX has reported a debt in the amount of {$2400.00} in which I have no knowledge of, as I have never done business with them. 

Please have them validate this debt with a signed contract they have between me and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I used my CapitalOne card ( XXXX ) to reserve a hotel room at the XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX, for that same night. Because I was in a truck and using my phone, it was difficult to navigate the confusing flurry of pushes from various travel marketers ( XXXX, XXXX, etc. ) and I inadvertently ended up in the XXXX portal. Despite several attempts to set the correct date, and my belief that I finally had the right ( i.e., same-day ) reservation, unbeknownst to me XXXX set the date for the following week ( XX/XX/XXXX ). 

Upon arriving at the hotel desk minutes later, I was informed by desk agent " XXXX '' that XXXX had instead booked me for XX/XX/XXXX, instead of XX/XX/XXXX. After a frustrating hour or so of attempting to communicate with XXXX overseas call center personnel, XXXX was able to cancel the incorrect reservation ( XX/XX/XXXX ) and booked me right then and there for the night- unfortunately for an additional $ XXXX compared to the price I expected. That cancellation was verified on XX/XX/XXXX by hotel manager " XXXX ''. 

Despite having cancelled the incorrect reservation within an hour of booking, XXXX has refused to refund the {$200.00} charge - EVEN THOUGH THEY DID NOT PAY THE HOTEL. Despite an extended conversation on XX/XX/XXXX with their Transaction Support Center ( i.e., dispute department, CSR " XXXX '' ) CapitalOne has not been able to make XXXX do the right thing. Regardless, that's what credit card companies are required to do - protect their card holders / customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We had a mortgage with Wells Fargo on our home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. During that time frame we fell behind on our payments in XX/XX/XXXX. We applied for a modification with ASC the loan servicing company for Wells Fargo. ASC sent a a letter on XX/XX/XXXX, advising us we might be eligible for a modification of loan, we applied and were then sent a letter stating We are unable to come to a mutual agreement regarding workout. 
We are part of the defined class covered in the {$3.00} XXXX settlement and have not received any compensation to date or correspondence from Wells Fargo. Then our home was foreclosed and we lost our home.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: SC

Complaint narrative:
I disputed a XXXX XXXX XXXX XXXX XXXX information on my LexisNexis credit profile i have sent them a police report, ftc report and a copy of the letter from the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I paid Off my Collection of CCS on XX/XX/XXXX They reported a Collection remark still on XX/XX/XXXX also today they re added the collection on XXXX saying I owe the full balance I have pictures and everything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXXXXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE... 

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have made several balance transfers to US bank on which I have paid fees up front and which carry a 0 % interest rate for a period of XXXX to XXXX  months depending on the then current terms. 

XXXX of these transfers was for {$170.00}, and was to have a 0 % interest rate that expired with the XXXX of XX/XX/XXXX, this is shown on the attached XX/XX/XXXX statement with a closing date of XXXX, on page XXXX, the XXXX line. 

The XXXX statement closed on XXXX, as shown on the attached XXXX statement, so the 0 % interest on the {$170.00} balance transfer ended on XXXX. On page XXXX of this XXXX statement it shows that I paid the full {$170.00} amount on XX/XX/XXXX and it posted to the account on XX/XX/XXXX, which is XXXX days before the 0 % interest rate was to expire. Therefore no interest should have been due on this balance transfer. 

In the XX/XX/XXXX statement for activity ending on XXXX, on page XXXX, there is an interest charge of {$2.00} related to this {$170.00} balance transfer, when {$0.00} interest was due. I texted with a representative of US Bank today for some time trying to resolve this issue without success. I was repeatedly told that the interest charge was for lagging interest, but if the amount was paid before the expiration of the 0 % rate there should be no interest. 

I know this is not a lot of money, but it is not correct and if this is US Bank 's policy then possibly millions of customers are being charged these incorrect interest charges, resulting in millions of dollars in fraudulent charges and profits for the bank. I stood by end of the deal and I expect US Bank to stand by their end of the deal and not try to change the terms at the very end.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Due to divorce situation, i couldn't able to afford making the payments only myself, so I have been tried to sell the home on the market in order to avoid foreclosure, and I would like need help from the lender to stop the foreclosure, to get more time to sell the house asap. 
Thank you so much for your consideration. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE...

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.

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 2023-01-28 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: OH

Complaint narrative:
Remove old adresses and 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 2023-01-28 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On Wednesday XX/XX/2023 I made several phone calls to Wells Fargo to first understand why I couldn't make an online account. My husband and I recently purchased a furnace through XXXX XXXX in XXXX. XXXX XXXX used Wells Fargo as their finance option. We spent {$4700.00} and went with the 18 month interest free payment plan. Upon receiving my account number from Wells Fargo I tried to create an online account to begin auto payments. I was denied entry upon entering in my Social Security # and account number. I called Wells Fargo to ask for help. These are my calls, times and interactions below : XXXX XXXX Was led by a representative in enrolling my account and was again denied access. I was transferred to another representative that told me in order to enroll online I needed to go to a Wells Fargo branch to show my ID. I wasn't told why this was or given any help when I asked if there was another way I could make payments. 
XXXX XXXX  : After researching where the nearest branch was I realized that there are no branches in the state of Ohio where I live or any surrounding states. I called back and was told again I needed to go to a branch no matter how far it was from me. 
XXXX XXXX : I called again to ask if there was anyway I could make ANY types of payments on my account via phone, mail, etc. I was told the only way to pay was to travel 100s of miles to make a payment in person. I was given no help after this. I was left frustrated, hopeless, and scared because I need to make payments on this.

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 2023-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
For the month of XX/XX/2023, I paid electronically thru my bank account the mortgage loan.payment due for XX/XX/2023 they collected the payment on XXXX third and the money was deducted from my bank account on XXXX third. Select Portfolio services contacted me on or about XX/XX/XXXX. by regular mail telling me they are attaching late charges to my accdount and that they are missing payment for the month of XXXX XXXX sent them proof of payment in the form of my bank statement where it shows the transaction number and information the payment received and collected by select portfolio Services. 
I have sent Select portfolio Services all they proof they need that shows the payment collected on XX/XX/XXXX. Theyn still telling me that I have not paid, and they are harassing me with phone call telling me that they will report me late to the credit bureaus and to send them another payment which i think is an abusing behavior by part of this institution. 
they do acknowledge receiving my bank information. but hey said that it will take.more tahn 30 days for the bank to complete the investigation in the meantime they are demanding i send them another payment which is not right in my view

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo repossessed my XXXX XXXX XXXX  after payment to make account current was made. I was held responsible for loan payments after repossession was made. This negatively impacted my credit as well as cost me me thousands. Not to mention the major inconvenience. I understand my payment was late but it was made before repossession was to happen. 

Almost a decade later I received a check from Wells Fargo Auto for {$180.00} due to over payment. I spent thousands on the car they took back within 6 months of having it. 

I also received a separate check from Wells Fargo Bank for my account they admitted to wrongful actions for {$150.00}. I never cashed or deposited that check and was a completely separate incident from the auto loan. 

I wasn't the perfect customer and admit I was late on payments. But payments and over drafts were settled. Now after a decade they admit to wrong doing and they send me checks for enough groceries to last a week, when they robbed me for thousands of dollars. 

My issue is because this happened so long ago, I don't have any paper work or account log ins from the incidents. Wells Fargo obviously has admitted to wrongful practices against me twice, having sent XXXX separate checks and letters of apology for their actions. 

I hope further compensation will be provided as I was absolutely cheated then, and feel insulted by their weak attempt to make things right.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one starts calling at XXXX when I'm in the middle of my morning routine for my XXXX child and calls repeatedly even if I have talked to them the day before and have given them all the information they ask for. 
They also will call and just hang up repeatedly. 
I have asked them to stop and have been told the phone calls will continue unless I pay the debt. 
I do not have possession of the vehicle the coborrower does and I have no ability to pay the debt and no way to contact the coborrower. 
I have explained this multiple times to Capital one but they continue to harass me with phone calls asking for the same exact information daily at XXXX in the morning. 
This is starting to feel malicious. 
Please help me. 
This particularly overwhelming due to the recent death of my father on XXXX XXXX. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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