23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The company upstart.com is charging me daily compounding interest when my contract says simple. The website is upstart.com The whole point is this was sold to me as a simple interest loan, and now they are charging me interest daily. I would never agree to that. They sold it to me as a standard simple interest loan. Their reps lied and sold me a pay day loan. In the pro-misery note is says simple interest, they are charging me daily interest. 

Please see section 1 from the not I signed with them. 

" 1. I promise to pay the principal sum of __________, together with interest thereon commencing on the origination date at the rate of ____________ per annum simple interest. '' That is taken from the first paragraph in the loan pro-misery note. Also, the reps on the phone told me that I could pay it off early with no penalties. I also phoned back and spoke to two other reps to confirm, that i could, Pay it off early. 

The loan is listed as a Student Loan. It is not a " pay day '' loan. Why are they telling you its a pay day loan when it is a Student Loan for  tax purposes? 

I want upstart to show me their calculations. I say they are completely bogus and they are yet to show me any calculations. Like actual Math. Show me the formula as how you got to {$440.00} in XXXX. A second response asking me to review the note is not going to cut it this time. Ive attached the note which clearly says " simple interest '' which is what your staff sold it to me as. 

In XXXX of XXXX i paid {$1000.00} to them and {$440.00} went to interest. Show me that math please? I signed a contract saying that its simple interest, their staff told me there are no penalties or expenses to pay once the interest is paid for, They say its a pay day loan, but listed as a student loan. 

I really believe this co is defrauding thousands of people and we need another look. Ask them to show us the math, as to how they charge me so much interest> Please have a look, this is fraud at a major scale -
Product: Credit card or prepaid card

Hi, I have a discover delinquency posting on my account due to an issue with discover on their end with autopay during the pandemic in the year of 2020. I did not receive notice of this and never disabled my autopay in which there should have been no issue with me making my payments on time. In my previous dispute under case # XXXX it was stated that the payments were not successfully posted to my account. I can and have provided discover bank statements proving that the balance I had in the account at the time was more than enough to cover the minimum payments at the least from XXXX to XXXX and no one contacted me concerning this issue on the behalf of discover.
Product: Prepaid card

Hi, I hope you're having a good day. Some time ago, I received an AMEX gift card as a reward from a XXXX website, specifically " Inboxdollars. '' The card has a value of {$5.00}, and I was able to activate it. However, I've been unable to use the balance. I tried on various platforms ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. ), but it always gets rejected, except for XXXX, where I used it for a trial version of XXXX XXXX, which I plan to cancel. There's currently a pending charge of -XXXX cents on XXXX. 

Today, on XX/XX/XXXX, I contacted customer service to finally understand why my card is consistently rejected everywhere, even on sites that accept AMEX. The customer service representative informed me that they couldn't do anything to help, suggesting that I keep trying on different sites until one accepts it. This doesn't seem like an appropriate customer service approach to me, as it lacks a resolution. It appears to be a questionable practice on the part of the company, preventing consumers like me from using their money. 

The details of the AMEX card in question, with a {$5.00} USD balance, are as follows : Card Number : XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX CVV : XXXX I hope you can assist me as soon as possible, as I've never encountered such problems before. If a refund is possible, I prefer it through XXXX or electronic means, as I'm not fond of physical methods like checks. Please let me know in the response email. Thank you very much.
Product: Checking or savings account

On XX/XX/XXXX, Simple Bank closed and its users were transferred to BBVA Bank. Since then, former Simple members have not been able to access their accounts at all. Calls for customer service have been rejected or hung up on. Further instructions have been vague and fewrelayed mostly on XXXX instead of email. Its been incredibly frustrating with current and upcoming expenses, and there is no solution in sight.
Product: Credit card

THIS DEBT WAS CHARGED OFF BUT FOR WHICH I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEPT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am reporting and issue with how Equifax is handling a dispute on my credit report. I previously reported this same issue in XX/XX/XXXX. After reporting to CFPB the fraudulent collect was removed from my report. Equifax has listed the same collection on my report as of XX/XX/XXXX and will not remove. 

The fraudulent collection is from XXXX XXXX, they are attempting to collect a balance from my past account with XXXX for {$370.00}. The amount they are trying to collect is for phones that were allegedly not returned to XXXX at the ned of my contact. Collections began by XXXX and this company in XXXX and I have provided proof of return on multiple occasions. The proof of the return phone is a receipt from the XXXX store where the phone were initially purchased and returned. XXXX and the collections agency are saying the phone did not reach and internal warehouse and I would need to return to the store to track further. My responsibility was to return to XXXX, which was done at one of their corporate locations. The receipt from their corporate store listing both phones returned was provided to XXXX, XXXX XXXX and Equifax and prove beyond doubt that the phone were returned. 

This is fraudulent collections plain an simple. Equifax removed this dispute after CFPB intervened in XX/XX/XXXX. Equifax has decided to allow reporting a second time which is fraudulent on their part as they have previously acknowledge the debt not to be valid. There should be ramifications and penalty to Equifax for not maintaining a standard of protection for consumers. Participating and encouraging fraudulent reporting should carry penalties for this company.
Product: Debt collection

I have been receiving text and emails for collection but have never received information about what this debt is. I do not know if it is even a debt of mine.
Product: Mortgage

Good day! 

My HELOC lender, PNC bank has some MAJOR issues. Payments are not being recorded properly nor applied to principal in a proper, industry standard manner. Rather, the bank and it's systems are flawed and creating erroneous entries while I, the consumer am left to sort through it. I just tried to get a balance as of XX/XX/XXXX almost 2 full weeks ago and the bank is unable to provide that to me. I made multiple payments to my HELOC to pay 1 ) the P & I due for XX/XX/XXXX ( auto debit ) as well as two Principal payments ( $ XXXX & $ XXXX ). Yet the balance was still not reflected some week+ later. 

How can a bank not be able to tell me the principal balance due? Further, they created multiple ( 3 to be precise ) monthly charges of XXXX. This is the same amount that was auto-debited for the monthly payment. 

I find it out of control that a bank, in XXXX can not have proper systems in place. This makes me call ALL transactions into question. Th veracity of PNC data has me questioning their ability to accurately reflect financial transactions. Why should a consumer feel that way? Even their online system is paltry for XXXX. Transfers within the bank do not show in realtime! If I Were a regulator I would be very concerned with this
Product: Checking or savings account

On  XXXX   XXXX   XXXX  I sent a check to my landlord for {$1300.00}  ( #   XXXX   ) and in    XXXX  of  XXXX  the landlord told me they had n't received my  XXXX  rent check. I immediately went to my ba nk (   XXXX   ) to g et a copy of the check and found it had been fraudulently endorsed and cashed on  XXXX   XXXX ,  XXXX  at a Bank of America. I then made out an affidavit to start an investigation. I made many visits to my bank over the next couple months and they informed me they were waiting for Bank of America to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since XXXX XXXX 2017 my family and I have been trying to obtain a pay-off statement from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. After months and months of contact between myself and XXXX XXXX we have n't had any success in moving forward in this process, and in the interim it has cost my family time and money. XXXX XXXX has also made contact with XXXX XXXX on our behalf and they have n't received any results either. We have reached out to various chains of command form the Operations Manager XXXX XXXX to the CEO XXXX XXXX XXXX. My plans are to refinance with XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX has n't cooperated with them as of yet.
Product: Bank account or service

Wells Fargo was allowing my debit card purchases to go through even with insufficient funds and then charging me a fee. Rather than declining my card at the point of purchase. I was told it was due to the service being on my account. I called Wells Fargo customer service on XXXX/XXXX/2016 to remove " overdraft service '' from my account. I was partially refunded my overdraft fees during the previous billing cycle. I was also assured my card would be declined on any further purchase attempts when insufficient funds were present. I made it very clear to representative that I was switching banks and that if any other charges hit my account to deny and not pay them. I was assured this would be taken care of. Since this conversation with Wells Fargo, they have hit my account for XXXX overdraft fees for charges they did not even pay.
Product: Money transfer, virtual currency, or money service

I have transfer money to the same lady bank account 4 times in year 2020. I have waited over 1 year for her to deliver on her words but she did not honor her promise. I have taken out additional loan in order to have these sums to transfer to her, and have written email with her and have other document received to back up what she in her organization will do after she received the funds. But, she and the organization have never honored her words. And it is over 1 year now and they still do not honor their words, in fact, they are keep changing the price, increasing the price, that, no matter how much amount of money I send to them, is never enough. I have all documents to prove each time why I send such amount as she have requested, but they never once honored their words to deliver on their promise once they have received my transfer funds to her bank account. 

The dates below and the amount I have transfer to her bank account : 1. {$5500.00} in XX/XX/2020 I have split into 2 different transfer to send the total amount of {$32000.00} as : 2. {$15000.00} in XX/XX/2020 3. {$17000.00} in XX/XX/2020 This transaction was heavily funded from a loan I applied for online in order to send 4. {$25000.00} in XXXX XXXX I have called my bank to explain to them this situation, but, the bank said it is money transfer that I have authorized, therefore, they can not help me to get my money back. The same person that have received my transfer 4 times is a fraudulent person that is scamming me because they have not deliver on their promise. Please help me to get my money back as this is a lady scamming me of my money because I had believed she would deliver on her promise, but, not once did she delivered on her promised. I have all emails exchange with her as proof and each step of the documents to back up what she will do once she received the funds, but, it has not come true at all. Therefore, this is a scam. Please help me to get my money back.
Product: Mortgage

My mortgage is with BB & T Bank, recently I have been investigating ways to pay down my mortgage faster and I came across Biweekly Mortgage Calculator on BB & T 's website. It's a nice, easy to use calculator that you plug in your interest rate, mortgage amount, mortgage term, and payment type and it calculates your accelerated bi-weekly payment for you and shows you how much quicker you can pay down your loan. Ours figured out to pay off a 30 year mortgage in 26.4 years ... quite a savings! 
I called BB & T 's customer service number to inquire how I get set up on this payment plan. I was told they do not offer that type of payment plan, but I could send in my payments bi-weekly but it would not be applied until the full amount was received. ( the money would sit in a " holding account '' until the full payment amount was collected ). I ended up calling back a few days later thinking the rep I was talking to didn't understand what I wanted to do or was not knowledgeable of this program. I got the SAME ANSWER! 
I then asked for the corporate BB & T office number where I could speak to someone that was knowledgeable of this product. After 3 days I received a phone call back from a corporate manager stating they do not offer this product, and they were " checking into why this is on their website ''. She stated they do have a few customers that make bi-weekly payments, but they no longer offer this service. 
I don't understand how they can have this active link on their website under their Financial Planning Center tab to mislead customers when all they say is " I'm sorry, I know you're upset about this '' Sounds like false advertising to me! 
https : //www.bbt.com/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 my credit was dropped from both Equifax and XXXX from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.
Product: Mortgage

I am really complaining about the very poor customer service. I inquired about approval for a land swap between myself and a neighbor - my soon to be neighbor is building a house nearby but does not have a spot that has the proper soil composition for a septic tank. My property does have the proper soil composition so we agreed to swap a small portion of the land in order to facilitate his building the septic tank. 
He completed a survey and wrote a description of the swap, I emailed that information to Mr. Cooper on XX/XX/2019. 
I followed up with a phone call and was told I had submitted what was required. I then followed up on XX/XX/XXXX and was told that I needed to submit the information to a different email address. I did that on XX/XX/XXXX. I followed up numerous times both by phone and email between XX/XX/XXXX and XX/XX/XXXX - I never was able to get an answer from anyone other than it was in process and could take 30 business days. I was told if I emailed the research department directly I would receive an update but never did. I called today to follow up and was told that nothing had been done with my request, and now they required {$250.00} and an appraisal to start another 30 business day review. My frustration is that I get different information every time I call, and no-one that will take the time to really answer any questions or that seems to have any desire to actually help resolve the issue. I have done everything that was asked of me as soon as it was asked, and yet they have never responded to me ( all contact has originated by me ), and I get a different answer every time I call.
Product: Checking or savings account

On XXXX  XX/XX/XXXX I reported a claim to bank of america in regards to mulitple fraudalent charges on my debit card dating back to XXXX of XXXX. Approximately XXXX months ago I called bank of America and the indvidual that I spoke to noticed multiple fradulent charges that resulted in BOA crediting me the {$600.00} back. The boa employee did not look back far enough on the statements and missed an additional {$1600.00} in fraudulent charges. I called Boa on XX/XX/XXXX and another employee I spoke with advised he could not add these charges on to the first claim due to it being closed out but would start a new claim for the {$1600.00}. BOA then emailed me on XX/XX/XXXX XXXX advising me the claim " was not paid ''. I called a representative to askyt why and they advised that during that time span I logged into my online banking XXXX plus times and didnt notice the charges so they figured either I or someone I know was responsible. I advised them that there was already a claim settled and this was add ons during that time but the rep stated I had to write a letter to boa and " explain myself. This is absolutley ridiculous. I am not an expert at catching these things nor do I always look at the amount in my account. This is money I can use to pay bills, buy groceries and pay my mortgage during these tough times.
Product: Mortgage

I am out of work and my mortgage is currently being paid by a charity on my behalf they require a bill or a remittance page each month for every person company that they pay I have been in contact with BSI at least 10 times a month for the last 5 months and has not been able to acquire but one printed bill I must have a monthly billing statement mailed to me so that I may fax it to the charity that's paying my bills. I feel that there is a systemic issue with the company to increase revenues by forcing people like me to have late fees. I also feel that they're inability or incompetence with complying with my simple request for a printed bill each month mail to my home in a timely manner that I may continue to make my payments on time is a tactic to keep customers like myself with in a low credit rating status and late fees and other fees associated with creating revenues for their company. I have spoken with them on multiple occasions I have emailed them and I still can not get a printed bill so that I can have my bills paid on time by the charities of XXXX XXXX XXXX. I hope that you all will help me by looking into this matter. I have unreliable access to Internet because my phone and internet may be terminated at any moment I therefore require written correspondence which they have refused to send. Also in the past few months I have received only one electronically generated remittance page I need your help thank you very much
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received for the second time a pay pal Email explaining a purchase that I never placed Fist XXXX XXXX dollars Second XXXX dollars They provide a phone number which I called and they want more information On my finances this is the phone number they provide XXXX Please I would really appreciated if you can investigate and make sure this is a fraudulent company
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.