23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is my complaint about Wells Fargo ( WF ) Earn More Mall Reward Program. 

In XXXX, I receive 50 % cash back offers from WF,  stating that I could receive 50 % cash back if I use my credit card at XXXX XXXX ( cap at {$100.00} cash back ) and XXXX   ( cap at {$70.00} cash back ) in store. AFTER enrolled in the offers from WF online banking system ( screenshot that shows my enrollment is saved ), I met the requirement mentioned in both store on XX/XX/2018 and expected {$170.00} for my purchases from XXXX XXXX and XXXX 

However, I did not receive {$170.00} from WF after a month. Therefore, I tried to contact WF to create a case for investigation. After the case was escalated to the executive office, Mr. XXXX XXXX has reviewed my case ( case # XXXX ) and contacted me. It sounded to me that WF doesn't recognize my enrollment from the system, therefore, can't issue the cash back. I provided my screenshot twice to WF, but they still couldn't honor me the cash back. I should be receiving what I was offered, and clearly, this problem is caused by their system glitches.

I would not recommend people use WF Earn More Mall offers based on my experience.
Product: Debt collection

I have request original document of the debt and invoice that that i owe this debt
Product: Checking or savings account

I have been searching everywhere for help until someone that has a similar situation as mine posted that they received help from cfpb. I have been using affirm for couple years but have recently decided over the months to open a savings card and had access through the app to see my transactions. On XX/XX/XXXX I deposited my check into my affirm debit/flex account and by XX/XX/XXXX my account was frozen. I called affirm numerous times and all they do is lie to me and give me the run around saying that they have escalated my case but cant give me a valid reason why my account was frozen in the first place. I spoke to several supervisors that told me theres no fraud on my account but its frozen for safety and security even after i verified information. Today is XX/XX/XXXX and my account is still frozen. I have children that had to go without food because of affirm. I explained my situation and no one in the office cared to help me. I am very disappointed with affirm for their shadiness and misconduct. I have furious and because of affirm they have put me into XXXX  XXXX and emotional stress because I told them I have my bills that need to be paid yet they keep sending me emails about how I will be able to use my account soon but now I see that they are just lying to me. Affirm needs to be put out of business. I have {$1200.00} in my saving and I want it asap. I dont want none of their interest added just access to my money and I will close the account after and never do business with them again. Please I am a single mother and I need this money for my kids. Please help me to get access to my account again. It will be three months already since my account is frozen and that is by far a disappointment. Affirm needs to be reported and sued. I just want my money.
Product: Checking or savings account

KeyBank advertised online that they would apply a {$200.00} promotion after a qualifying direct deposit within 60 days of account opening. I specifically followed that advertisement to open an account and satisfied the terms immediately. The bank never applied the promotion. I researched and the terms said it could take up to 90 days to apply to the promotion so I waited patiently. After nearly 90 days, I contacted customer service and they say they have no record of me signing up with the promotion despite me stating I ONLY signed up because I saw the promotion and followed the advertisement and subsequent steps. Now Im told because the promotion is expired ( after I've waited the indicated period of the promotion ) that there is nothing customer service can do.
Product: Vehicle loan or lease

I have a XXXX XXXX with US Bank. I have been attempting to pay off the car loan since XX/XX/24. They have kicked the information back for the pay off 3 times and then told me that the account I am paying the payments with is non existant. which is the account I have attempted to pay off the car loan with. When I asked them about the interested that they continued to charge me they basically told me that they don't care and I am just going to have to pay the interest. This is unethical and I wonder how many people US Bank is doing this too? As far as I am concerned, they owe me the interest that I have continued to pay after the first attempt to pay this car loan off. This is robbery! 

Please help! these people are awful!!! 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, XXXX, & Experian but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.
Product: Checking or savings account

I deposited a check in my Chase account for {$4200.00}. Yesterday. Chase Bank flaged it. 
It is from Illinois Housing. They wanted to call the issuer of the check. I gave them the phone XXXX. They said it was not an authorized phone number and they refused to call it. They locked my bank account and refused to give me any funds. I told them it was important that I pay my rent and they did not care. I paid my XXXX XXXX bill and it bounced because they did not accept the check. Now XXXX XXXX is also locked. I can not purchase anything right now because both of my financial institutions locked my accounts.
Product: Credit reporting or other personal consumer reports

See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Checking or savings account

My husband selected the wrong amount to pay on the XXXX Card on the app. So he paid over {$11000.00} to XXXX Credit Card when only {$1100.00} was intended. Our checking account had {$5500.00} when the {$11000.00} payment went through. Instead of rejecting the ACH to XXXX, Ally Bank paid it. Now my bank account is -XXXX. We have a saving account with {$5300.00} at the same bank that is now on hold because of the negative balance in my checking account. And only will be released when the checking account is made whole. 
I know I can request XXXX to return the extra money, but that can take up to 9 days according to their customer service department. I called Ally on XX/XX/2019 at XXXX to find out why in the world they paid for that ACH. I spoke with XXXX first, then to a person who said she was XXXX 's supervisor. I tried to get her to spell her name but all I could hear was the first three letters XXXX. The supervisor refused to spell her name again. She is also supposed to send me the policy via email and US mail that covers why that happened. So far, no email from this supervisor. This supervisor could not quote the policy of her bank for my situation. She also disconnected our conversation before I could answer the phone survey Ally Bank offers after every phone call. 
I want to know why Ally put us in this situation. They have made it impossible for us to resolve this with our own money. Did they follow their policy? Or did they intend to loan us {$5700.00} with no payment schedule and no access to our money?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have never been treated more shabbily by a firm than by Better Mortgage. I have a great credit score. I have paid every bill I have owed for 40+ years. My net worth is ten times the amount I am attempting to refinance. They spent ten weeks asking for document after document, then rejected my application. It became clear to me that they were not going forward because I had locked in an 1.875 % rate and the market had turned on them. I spent literally hours for nothing. And now the market has turned on me. They have cost me tens of thousands of dollars. There ought to be a way to recover that. Have they broken any laws by refusing a loan to someone just because they will lose money on the transaction?

To whoever reads this-stay away from Better Mortgage. They are not an honest and faithful business. Dont be treated like dirt as I was.
Product: Checking or savings account

I deposited a check for XXXX dollars into my BMO checking account. The guy that gave me the check said he has the money in his account. My account has been completely frozen. I cant log into the mobile app. Everytime i call to see whats going on i get told it will take 14 to 30 days before my account is unfrozen for me to access the funds and theres nothing i can do to get them to unfreeze my account. Ive had the same account for over 12 years. Deposited severeal checks for more than XXXX dollars and ive never had my account frozen. I even tried cancelling the check and was told i couldnt cancel it.
Product: Credit card

Dear XXXX, On XX/XX/XXXX, XXXX XXXX, I bought an airplane ticket from kiwi.com for {$540.00} departing from XXXX on XX/XX/XXXX and arriving at XXXX. The ticket confirmation email is attached below. 


However, as soon as I received the above confirmation for the ticket, I realized that I accidentally bought the ticket for XX/XX/XXXX instead of XX/XX/XXXX. This happened because the default ticket calendar page that opened on XXXX 's website showed XXXX dates instead of XXXX dates, and because the dates were represented numerically, I made a mistake and purchased for the wrong month. 

XXXX 's mobile app and website asked me to call customer support for cancellation or date changes. I called kiwi immediately and explained them the situation. They said that whether I change to a different date or cancel the ticket, they would only refund ~ {$10.00} instead of the {$540.00}, even though it was only couple minutes before that I had purchased the ticket. That would have effectively meant no refund. It turns out, this is a scam kiwi regularly engages in and is well-documented at its XXXX page here : https : //en.wikipedia.org/wiki/Kiwi.com # Controversies So, I told XXXX that I don't accept their offer and that I would dispute the transaction through my own credit card company. This call happened between XXXX and XXXX XXXX on XX/XX/XXXX. 

I then proceeded to buy the second ticket with the correct date, which was XX/XX/XXXX, this time for the price of {$560.00} on XX/XX/XXXX, XXXX, immediately after my call with kiwi XXXX The email for the second purchase is attached below. 



Afterwards, on XX/XX/XXXX, XXXX ET, I contacted Apple Card via imessage to dispute the transaction for the first ticket. 

In summary, the time span between buying the first ticket, contacting kiwi, buying the second ticket, and contacting Apple Card support happened within XXXX minutes. 

I have been disputing this transaction since XX/XX/XXXX, which was 6 months ago. Goldman Sachs keeps refusing my request. From my perspective, if Apple Card is not going to protect me in moments like this, then why am I using Apple Card over my XXXX XXXX through Chase, which has protected me during even more difficult situations? 

If there is anything else you want from me to finally resolve this dispute in my favor, please let me know. I have spent over {$110000.00} through my Apple Card since XXXX. If XXXX XXXX XXXX not going to honor my request, then please proceed to cancelling my credit card because I do not want to be a customer to a bank I do not trust anymore. 

In my opinion, a fair resolution to this complaint would be the refund of {$540.00} and a reprimand of kiwi.com for the unfair situation it puts their customers. 

thank you in advance
Product: Student loan

I made an {$8000.00} payment which has been misapplied over the course of the last 10 months and now I've Been Told that the problem can not be corrected and the payment applied as I requested. Now I'm being forced into forbearance and I have a negative score on my credit as a result.
Product: Mortgage

My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed. 
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from XXXX   XXXX saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account XXXX : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report. 

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report. 

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold to XX/XX/XXXXand should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report.

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Checking or savings account

We had contracted with XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX. Their bill is dated XX/XX/2021. Work was not begun until XX/XX/2021. They had to install tile and redo XXXX XXXX that was damaged due to winter storm that caused power to go out and the water too freeze on the top 4-5 inches of the pool. 
What they gave us as a price was for a total of {$8400.00}. This was for XXXX XXXX XXXX XXXX. They charged us {$10000.00}, on an e-mail that I have attached, which we paid by check. Did not catch this difference until researching other issues which they failed to respond to numerous e-mails and then compared their hard copy of their bill and then a separate e-mail they sent us saying what to pay. We did not ask or approve of adding or changing anything more than what was listed on their bill. 
I have submitted a claim to the XXXX XXXX XXXX and they have contacted them several times and XXXX XXXX has not responded to the XXXX. 
XXXX  has now said since they failed to make contact with either them or us they will post our complaint on the XXXX  website. 
Any assistance you could provide in recouping the difference of {$2200.00} would be appreciated. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Veteran
Product: Bank account or service

I received two letters from Chase : 1. After recent review of your accounts, we have decided to end our relationship with you. 2. We 're writing to let you know that we will be closing your credit card account on XXXX XXXX, 2016 because continuing the relationship creates possible reputational risk to our company. Upon calling the XXXX number listed, I was unable to find out the reason for the review or for deciding to close my accounts or credit card. No information could be given. I have no bounced checks, the is no inactivity, there is plenty of money in the accounts.
Product: Credit card

Concora Credit ( Destiny Mastercard ) state 's that no payment was ever received from me on XX/XX/XXXX. That there was a mix-up. After I verified with my bank that the payment was honored and debited on the date in question, Concora now states that a reversal of the disputed charge made on XX/XX/XXXX, has been processed onto the card used to make the payment as of XX/XX/XXXX. This would resolve the previous complaint made # XXXX submitted on XX/XX/XXXX. However, my bank stated that no funds have been processed or sent to my account from Concora Credit in any amount on any day. The original card used was cancelled and new card was issued to me from my bank which stated that even if a payment was submitted using the information from the closed card, the funds would still be deposited into my account.

Concora Credit continues to state that the funds were sent electronically through reversal on XX/XX/XXXX. The bank does not have the funds and there is no record of any deposit.