23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter from Afni, Inc. ( see attached ) attempting to collect {$1200.00} Creditor XXXX XXXX. We have not done business with XXXX XXXX for over two years, and all equipment was returned and no balance was due. We have not received any notices from XXXX XXXX, and this account has not showed up in any Credit Reports. I'm starting to think I'm on some sort of scammer list, and these collection companies are sending letters just to see if I will " bite '', and send them money. I will also attempt to file a complaint with the Wisconsin Attorney General Office. Any assistance would be greatly appreciated. Thank you. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The Biden Administration DOE stated in XXXX of XXXX that you may contact your loan servicer to request a refund of any payments that you made during the payment pause. It is also posted on the studentaid.gov website. With this information, I requested a refund for a {$2000.00} payment that I made in XXXX since I found out that the payment pause would count towards my PSLF payments anyway. I requested this refund in XX/XX/XXXX in writing through my portal. I did not hear from them and sent ANOTHER email over a month later in XXXX asking for the status of my request. I finally received an email XXXX months later in XX/XX/XXXX stating my refund request had been submitted and I would receive my refund within XXXX days. Fast forward to now ( almost 90 days later ) and I emailed them asking for the status of my refund. They emailed me back today and informed me that my loans had been consolidated on XX/XX/XXXX so I don't qualify for the refund. This can not be correct for several reasons : XXXX. I requested this refund well before I consolidated my loans. 

XXXX. Nowhere on their website or on studentaid.gov website does it state that it even needed to be done before I consolidated. Not that that matters because I still requested it before I consolidated. 

XXXX. I had tried several times to contact Mohela over the phone and by email and it is not my fault that they didn't process the request before my consolidation. I requested this as soon as the DOE allowed us to request the refund. 

No where was I ever told that it had to be done before my loans were consolidated. Also, had I waited to consolidate my loans until I receive my refund then I wouldn't have been able to apply for the PSLF temporary waiver to get into the program. That program had a deadline in XXXX. 

I also went on the studentaid.gov website TODAY and looked again at the requirements for the refund of payments. No where on there does it say anything about needing to be done before consolidation. This does not seem very transparent. I am attaching screenshots for reference. 

This is unacceptable to me. I have spent so much time constantly emailing this company and trying to call. I once waited over 80 minutes for them to answer my call only to have them hang up immediately. Why should I not be allowed my refund that is due to me because they are backlogged on their processing times, thus pushing my refund approval until after they conaolidated my loan? I submitted the request in plenty of time for them to refund my payment before consolidating my loan. 

I would also like to note that Mohela had my old loan before consolidation, I was only adding a loan to my already consolidated loans so that it would be included in PSLF. 

This is unfair and frankly, it should be illegal.
Product: Mortgage

I tried to contact PHH with no luck I am not sure what is going on with the forbearance in XXXX when I did not get any response, we sent the payment, and it was returned my son gave us money which I immediately put in the bank but the bank is saying it came in after the payment on the same day so they returned the check to PHH. At the time of doing all of this my family had XXXX, it was very difficult for us to get anything done with 7 of us sick. We were never notified of it by my bank nor a call from PHH. I went on the PHH webpage to see about the forbearance and that when I saw that the check bounced I right away paid online but they still reported us late I was under the impression that XXXX would be part of the forbearance. That is why I was asking for a forbearance plan we are a month behind we need help. I went on to XXXX XXXX it is showing that I am due for my next payment again we are just getting back on track. My family all 7 of us had the XXXX XXXX in XXXX plus I lost my job which is why I ask to start this in XXXX for 3 months, not XXXX, I ask them to please have a customer service rep call so I can understand what is going on. 
We are not 60 days late as you are reporting to the credit bureaus, we are due for XXXX, but it is not late we have up until the XXXX to get you the payment to PHH. We are not in collections. We just need some help like many Americans my husband is a XXXX veteran that was very sick with this horrible XXXX  again all 7 of us contracted the XXXX  and we short on the payment for XXXX, but I thought the forbearance started when I ask for it in XXXX. 
I have sent them numerous emails in XXXX and XXXX never got a response tried calling only to be discounted can not leave messages in mailboxes they are full. 
I finally received an email saying they are sorry that it took so long to get back to us and that we have the forbearance started does not say when it started. PHH and now you are reporting us late for XXXX and XXXX which should not be. How can they ignore all the emails that I sent asking for help really begging for help do you think homeowners like to beg for help. Right now because of PHH reporting us late it has affected us terribly we are sinking I feel PHH is treating me like a piece of dirt, I really was counting on PHH to help us I thought they would do the right thing and help homeowners not ignore them and ruin their credit. This is the second time PHH has not followed thru or help in 2019 they misapplied my payment and it took them 6 months to fix PHH needs to be looked Ocwen owners them and Ocwen has been banned from doing any mortgages in MA.
Product: Credit card

Hello, I have a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of the credit card advertised benefits, I am entitled to utilize " BankAmeriDeals Offers '' which allows you to earn extra cash back in addition to the normal cash back amount you would receive from the purchase. For the month of XXXX, XXXX XXXX  had a AmeriDeal offer for an additional 4 % when shopping at XXXX through the Link provided on the website, which I utilized when I ordered a Gaming monitor for {$1700.00} on XX/XX/2023 ( the transaction was posted on XX/XX/2023 ). This transaction fell within the offer window. Afraids, I read on the website that any cashback from the AmeriDeal should be listed as " Pending Cash Back '' within XXXX days of the transaction, but I never saw anything under the " Pending '' tab on the website. Thus, I took a screenshot on XX/XX/2023, showing that indeed there was a promotional offer that was still activate that was expiring at the end of the month just in case there would be any issues with getting the offer. So around the XXXX mark, I used the chat assistant they call " XXXX '' on the app and was instructed to wait for the full 30 day peroid and was reassured. When I still did not seeing any pending AmeriDeal cashback rewards, I called the customer service number and they told me they can not help me and referred me to the Promotions/Rewards team and they said that they could not help me either. I have a screenshot showing that there was a 4 % cashback offer activate at the time the monitor was purchased and I am seeking the advertised amount that was supposed to be granted since I went through the steps to use the website link to make sure I would get the additional savings. This is deceiving advertising. If a credit card company can not stand behind their offers/promises then there is no point to use the credit card if offers like these can not be promised. Thus, I am seeking 4 % of my total purchase amount of {$1700.00}, which is equal to {$70.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax makes it extremely difficult to obtain a free annual credit report. The other two agencies, XXXX   and XXXX, let the consumer apply for the report online and receive the results online. Equifax makes the consumer write a letter requesting the information and mail it in. 

I applied online at XXXX to all three agencies for my free annual report on XX/XX/2019. I accessed the reports from XXXX and XXXX  almost immediately online and was able to download them. Since Equifax does not allow online access to its report, I asked them in the same online request to mail a hard copy of the report to me. On XX/XX/2019, I called Equifax to tell them I had not received the report. I was told that they had not received my request and, in fact, do not accept requests online and I would have to put the request in writing. I was given a long list of instructions and information I had to include in the written request. I then found a telephone number ( XXXX ) on Equifax.com which indicated I could call and request the report ( contradicting what I had just been told by the Equifax representative ). I called the number and gave all information as prompted by the Equifax telephonic robot. To date, I have not yet received the report. So, it appears I will indeed have to type letter requesting the report, print it out, pay for the postage and take it to be mailed. ( Given everything else, should I send it return receipt request at yet another additional cost? ) I have had similar problems with Equifax in the past. Equifax should be made to operate by the same standards and in conformity with the other two agencies. It is unfair and burdensome the the consumer to have to jump through Equifax 's hoops in order to receive a free annual credit report as required by law. Equifax 's dilatory tactics could cause any number of problems to a consumer who needs the information in a timely fashion.
Product: Debt collection

Over the past two weeks, ( XX/XX/XXXX, XXXXPresent ) Asset Recovery Solutions has not only been harassing my personal cell phone, but is now harassing my employer. Additionally, they are using mirror technology to imitate numbers from my hometown. I have not yet received any additionally information about this supposed debt and have no clue why they are trying to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name opened on XX/XX/17 the balance is XXXX
Product: Debt collection

On XX/XX/2019 a collection was added to my credit report under the name of Receivables Performance. They claim this debt originated from XXXX which was canceled and all equipment returned. Not once have I received a verification of the debt from the company, the amount they paid for my debt, nor any reason for them to possess my identifying information. I informed them the debt was invalid and they did not have my permission to possess or distribute any information including my social security number, my birthday, or any information pertaining to my old XXXX account. I was told they would continue to distribute my information regardless of my request and they could not help me. 

I have received many phone calls during the day from this company. I twelve hour night shifts so I sleep during the day. They continue to call me during these hours after I informed them of my work schedule. They also have threatened me that they would take me to court if I did not pay the debt. According to debt collection laws a debt collector will not contact you during inconvenient times or threaten you with any negative or legal action if they have not filed in court already. 

I need this collection removed from my credit report and prevent any further disclosure of any of my identifying information to any other entity whatsoever.
Product: Debt collection

XXXX XXXX XXXX purchased my account from XXXX XXXX. I took out several online loans through XXXX XXXX and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from XXXX 's website which show that none of my loans are past due and I owe nothing. 

National Credit Adjusters has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.
Product: Mortgage

I applied for a mortgage with Bank of America. I got a prequalification letter on XX/XX/XXXX. I decided to go with Bank of America because of a grant program they had. I was ultimately denied for the grant because I normally make $ XXXX a year and the grant income limit was $ XXXX a year. I met the $ XXXX income requirement due to COVID my employer reduced our pay by 20 % for 3 months. This was stated on the Verification of Employment they sent to my employer on XX/XX/XXXX. However the underwriter only looked at the current gross pay stated on the form by the employer and not the YTD income or notes. I was denied for the loan XX/XX/XXXX due to not having enough of a down payment due to COVID they require a 15 % down payment. On XX/XX/XXXX, Bank of America charged me for an appraisal fee which I was told would be refunded on XX/XX/XXXX when the loan was cancelled. I was told the appraisal didn't happen and they would refund my credit card. The original charge was for {$660.00}. Part of that was a fee for obtaining my credit statement. I think the fee was {$25.00}. I asked for the amount in an email to the lending officer XXXX XXXX on XX/XX/XXXX but have not heard back from her. I was refunded {$200.00} from Bank of America on XXXX. I disputed the charge with my credit card company XXXX on XX/XX/XXXX due to not being able to get a response from Bank of America on the remaining charge and the appraisal not being done. XXXX closed the dispute on XX/XX/XXXX due to insufficient evidence. I was never given a receipt for this appraisal fee or credit fee. I called XXXX and Bank of America today XX/XX/XXXX to continue to try to get this resolved. I left a voicemail for XXXX XXXX since no one else at Bank of America will talk to me when I can't get a hold of her. XXXX said they will have their dispute department call me. I wanted to submit the complaint because this whole thing has been troublesome. I'm not sure how long it usually takes for a loan to be processed/reviewed but I think there should be more work done up front to make the prequalification letter meaningful. Bank of America should have gotten the Verification of Employment from my employer before issuing me a prequalification letter. It took from finding the home on XXXX to XX/XX/XXXX to find out I wasn't actually approved for the mortgage.
Product: Debt collection

XXXX XXXX XXXX, XXXX, have been calling my workplace, everyday, 5 days a week, for about 3 months. 
When the phone is answered by an employee other than myself, they hang up. 
Twice I answered the phone with a " Hello '', instead of my company 's greeting, and then the caller identified themselves as Portfolio Recovery. Both times I told them that the number they were calling is a place of business and NOT to call there. 
What makes this worse, is that this is an attempt to collect a debt that has been " charged-off '' by the original creditor, and Portfolio has posted this debt 4 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to my credit report as a " new debt '' and " collections '' on my credit reports. 
Portfolio Recovery is placing my employment in jeopardy and willfully damaging my credit by their actions, which are highly unethical and in the case of calling my place of employment after being told not to do so, may be illegal.
Product: Mortgage

I was trying to refinance an existing mortgage ( acquired less than 7 months ago with XXXX XXXX ) with Vectra Bank. They deny my application because they consider an investment interest I have in a Delaware Statutory Trusts owned by XXXX who has a loan under the Trust for an apartment complex in XXXX, Georgia as a 'personally financed '' loan. I only own 0.185 % of the investments and I do not make any loan payment to this loan as it is not under my name. I don't have any personal obligation to this loan secured by the Trust. I only deduct an interest expense per the financials provided by XXXX every year. Because of this addition to the number of personally financed property, I exceeded 10 personally financed loans per lending guidelines. I believe this addition is incorrect and Vectra has violated fair lending act and XXXX XXXX lending guideline.
Product: Vehicle loan or lease

No proof or verification of this debt or that the law and regulations to report, therefore all negative items must be removed. 

XX/XX/2023 the company reported this account XXXX as a charge off. Account shows balance of {$18000.00}. This account need to be removed immediately.
Product: Credit card or prepaid card

on  XXXX   XXXX    XXXX   at    XXXX   XXXX    I was doing what i all ways do every  XXXX  of the month and that 's pay my bills but this time things did not go according to plan the first time i went to pay my rent the trans action would not go threw it kept saying to check with the card holder for more information so I called Direct Express to see what was going on with my card i was told by their customer service rep that a with drawl of {$300.00} and {$500.00} was made from my account on mat  XXXX    XXXX   at  XXXX    XXXX   from a   XXXX   XXXX   XXXX   florida using a du plicate card i was then told to file for a investigation two wa ys the first way was to write down the  XXXX   XXXX   and h and write a letter explaining what happened also put the case no on the letter and sign it so i did that the same day  XXXX  at my local post office i received a tracking number it got there on  XXXX  i was told by a level  XXXX  rep the second way was i could wai t 3 to 5 bus iness day for them to send me the info well on the fourth business day i decided to give them a call about the letter and i was told to wait until the fifth business which is the day that i decide to take further action on  XXXX  i was told when i asked about my handwritten letter that they had never received it and the he did'nt see any information on my hand written letter but on  XXXX  a level  XXXX  agent said that everything was good to go. another thing i experienced was long waiting up to 1 hour i just have to keep calling and calling. a level  XXXX  agent is hard to get on the phone and when i do the are very impatient and disrespectful this is a very untrustworthy bank
Product: Bank account or service

Citibank has removed and stopped reporting my primary credit card to XXXX without my consent and is REFUSING to re-report the account ( to XXXX ) despite my repeated attempts to have this done. This has resulted in my credit score being reduced to a score from well over XXXX down to XXXX and has the potential for future credit applications being denied.
Product: Debt collection

In XXXX I was found guilty of XXXX in absentia. The court imposed a {$500.00} fine and {$3800.00} court cost. The Clerk of the Court turned the debt over to the Credit Management Company who added 25 % to the debt ( XXXX ). I filed a Motion to Proceed In XXXX XXXX XXXX XXXX  a form requesting modification of court cost because I am XXXX and unable to pay in accordance to PA law on XXXX XX/XX/XXXX. 

The clerk of the court responded by sending my persona information and social security statements of benefits to Credit Management, thus adding another 25 % to the debt. 
After being arrested and jailed, XXXX County sent me information to the Credit Management Company to collect a fee for being held in jail. They called my treating the clerk would put me back in jail if I did not pay them the debt and their fees. They placed a negative mark on my credit report. 

Please review the XXXX County Clerk of Courts website. It very telling. 


https : XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was paid with XXXX XXXX XXXX and they said they would remove from credit report. Still not removed years later
Product: Mortgage

Mortgage processor ( Shellpoint ) is escrowing for taxes and insurance. They missed a tax payment, and I contacted them today. They told me they acknowledge a payment was due but they did not pay it. They did not offer an explanation or a path to resolution. XXXX is contacting me for delinquent tax payment.
Product: Checking or savings account

I encountered financial hardship for XXXX due to a XXXX. As a result, I lost my Navy Federal checking account. I have had this account since XXXX. The account was closed due to a negative balance years ago. Then I paid off the balance and was able to get the account restored. 

For the last 9 months, I have been trying to get in touch with NFCU 's account recovery department. I left messages, you name it ... no one ever called. 

I have since filed XXXX XXXX. So I called today again after months ... and I tried to get my checking account restored. I was told that due to the XXXX XXXX  on my account that they will not be able to reopen my checking account. 

I was told two things : NFCU does not reopen accounts that were closed. I refuted the statement by the Customer Service rep, and told her if that was the policy how was I able to restore the account several years ago? 

I was told that due to the XXXX XXXX that they will not open the account. 

It is so strange because they still have my savings account opened.
Product: Debt collection

I have asked this company XXXX XXXX XXXX XXXX to please stop calling me. They call my phone atleast 10 times per day. They are collecting for Suntrust bank {$530.00}. 
I want this account CLOSED and REMOVED due to the abusive nature that they are using.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to XXXX XXXX XXXX and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.
Product: Payday loan, title loan, or personal loan

I sent this company letters and so did the courts, this account was included in my bankruptcy case! They took this account off and reported as paid off closed, to only wait a couple of days to re add it back to my report! This account should have never been placed back on my account and I would like it removed.