23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I let someone use my phone during a visitation and he utilized my XXXX XXXX to send himself funds he previously prior to this event. This person sent money owed to me in increments that month and then sent it back to himself without my knowledge. After unlocking my phone to allow him to use it during a visitation, XXXX XXXX was able to be utilized. I never fathomed having to use facial or additional security and have never had money stolen to even need these security measures. My account reflects the lack of outward funds to anybody for any amount higher than $ XXXX in all these years of being a discover bank customer. I also hardly use XXXX XXXX and only set it up to receive the payments he said he could only send via XXXX XXXX. This person has also not returned calls or inquiries about this transaction, and has proceeded to change his phone number ( the number the XXXX XXXX was sent XXXX ), and there is a police report for the phone in question ( he also stole the phone ) the day of this occurrence as other issues arose. This was an unauthorized transaction on my account I request it be disputed. I disputed the charge, Discover removed it, then decided it was authorized. I also do not deal with this person, and since the incident have a police report and a restraining order. There have been many incidents with this bank account with Discover before this that have questioned my thoughts of discrimination against me with my financial partnership with Discover Bank. They should also be investigated for their " maintenance '' for days at a time ; making account holders unable to access funds. This has caused us to be stranded, without food/gas at times with NO email/alert to let us know of scheduled maintenance. There has been a time I was almost evicted as they randomly decided to stop XXXX for certain accounts before a particular date. My employer could not pay me on time and I almost lost housing, A phone rep ( on a recorded call ) said they would rectify any fees I incur with my landlord for the issue they caused. They never rectified the issue. These are just a few, of many issues I've encountered, but don't seem to hear other account holders facing said issues.
Product: Payday loan, title loan, or personal loan

This complaint in a follow up to my attempt to submit a new complaint on Saturday, XX/XX/XXXX, XXXX at approx. XXXXXXXX XXXX. I never rec 'd a confirmation message, so I'm thinking that the system may have timed me out. 
On XX/XX/XXXX, I logged into my Mariner Finance account to make a payment. I had not had the funds until then to make my payment, which had become due on XX/XX/XXXX. When I attempted to make a payment, I received a pop-up message stating that my account was on restricted payments and it directed me to contact the branch. 
This is the same problem that initiated my decision to file a complaint with CFPB in XX/XX/XXXX. As I stated then, and still assert, Mariner Finance engages in customer intimidation tactics. What could be an acceptable reason for a business to not allow a customer to make a payment to their account other than them trying to force my account into a 30 day late status to negatively impact my credit standing. My plan was to make the payment on XX/XX/XXXX and make another payment on XX/XX/XXXX to bring the account fully current. After trying several times to make an online payment with no success, I called XXXX XXXX XXXX, XXXX XXXX Manager for Mariner Finance. I knew that it was highly unlikely that she would not be in the office at that time, but wanted to immediately inform her of the challenge that I was facing with making my payment. I then also called XXXX, which was the number that XXXX XXXX had on her voice greeting to contact the customer relations team. Although that number directs callers to press 1 to make a payment, when I did it just left me on hold for several minutes before first stating that the office was closed and that I could leave a message. So, on Sunday, XX/XX/XXXX, I physically took a payment, via money order to the Mariner Finance location at XXXX XXXX XXXX XXXX, XXXX, GA XXXX and dropped in in the drop slot in the door. 
When CFPB inquired about my XX/XX/XXXX complaint, Mariner 's representative who responded failed to address the bullying and intimidate tactics and unacceptable behavior of their XXXX manager, XXXX XXXX, that I referenced in my complaint. Also, in spite of the screen shots that I provided with my complaint, when I did speak with a representative on the phone after they learned of my complaint, they told me that they did not see why I had been unable to make a payment because they had reviewed my online account setup and found everything to be in tact. In fact, he had me to log into my account at that time. Now, I am not crazy, I know what I experienced, and even provided screen shots, but it figured I'd save my energy for more worthwhile matters that going back and forth about that since the evidence that I had did not lie. I can only imagine what more vulnerable customers who don't know their rights, and are not aware of resources to help them, experience at the hands of Mariner Finance and its representatives.
Product: Credit card or prepaid card

I have been banking with the same bank for many years and I recently closed my credit card because of it being so high and I wanted not to use it. 
since I closed it in XXXX of 2023 I noticed I have been getting 2 finale charges per month. 
1 of them is on cash advances which I understand but being charged over {$200.00} total in 2 months for a cash advance on {$400.00} is ridiculous. 
im XXXX XXXX XXXX and live on social security. 
this cant keep going on or I will file for bankruptcy
Product: Debt collection

XXXX XXXX has been using deceptive tactics to force me to pay for months of gym memberships after I have tried to canceled with them. 

While living in XXXX  XXXX XXXX for the summer I signed up for their initial monthly membership for {$15.00} a month. I paid for the first three months while I was going there. As I finished my internship in the city I spoke with the local gym staff and they assured me I could cancel online or over the phone. So when I moved back to my home town after my summer internship I called their member number and explained I needed to cancel my membership. 

Their phone representative said that the gym staff was mistaken and the only option I had was to visit the gym in person to cancel the membership. I explained I did not have the ability to fly back from the midwest to XXXX  XXXX to cancel a gym membership fee. I asked told him again to cancel my account. 

I have now been contacted by : Aldous and Associates, PLLC XXXX. XXXX XXXX XXXX, UT XXXX saying that I owe hundreds of dollars in fees and late assessments. 

I would have canceled the membership during my last day at the gym, but their staff told me I could handle it over the phone! Please Help!
Product: Vehicle loan or lease

Yes I been sending my monthly payments on time but it saying late payment for auto loan
Product: Debt collection

As I in the process to repair my credit, on XX/XX/2020, I contacted Midland Funding LLC at XXXX, located in XXXX, MI and debt collector, regarding to my credit card debt with XXXX XXXX on the amount of {$1100.00}. I was connected with Mr. XXXX XXXX, who introduced him as an Account Manager for Midland Funding LLC. We agreed to settle the amount due on the total of {$950.00} and paid on XXXX XXXX and was provided with the confirmation number of # XXXX. Mr. XXXX mentioned to that I will received a letter within 10 day as confirmation since they do not send emails as payment confirmations and the balance will cleared from my credit. On XX/XX/XXXX, I contacted Midland Funding LLC since I have not received the confirmation letter nor was the balance due cleared from my credit. I was told that the letter was " just generated and will be mailed on that week ''. As of XX/XX/2020, not only have I not received the letter, but the balance on the account still is on my credit. I feel that Midland Funding LLC has acted on " bad faith '' and has not kept their word on our agreement/settlement.
Product: Student loan

Please see attached document Requesting redisclosure of loan with end date of XXXX 2025. This should reduce monthly payment amount to compensate for Navient 's deletion of my paid ahead status. 

My primary stated complaint was as follows : I have responsibly paid ahead on my loans to build a financial cushion should circumstances, such as maternity leave, create a burden in which I may not be able to make the monthly payment amount. The purpose is to avoid forbearance or potential missed payments, which would negatively affect a borrowers credit score. Navients policy has communicated that any overpayments would be applied as paid ahead status, but now states that my paid ahead status has been erased, and my security against financial hardship has been eliminated as loan payments may not be temporarily suspended.
Navients response : As the interest rate changes, we disclose the loan to repay the loan within the remaining terms while maintaining the minimum required monthly payment. When your loan discloses due to an adjustment in interest rate, any months that you are paid ahead will be erased.
In comparing Navients response to the posted payment policy, erasing my paid ahead status because Navient has changed my interest rate is a deceptive practice with potential financial harm to a responsible borrower. I have been making overpayments for years, building my paid ahead status in case of future financial burden. Navient has erased the cushion I responsibly built. Additionally, Navient policy states that overpayment is applied to future payments unless expli
citly stated in written communication to apply the extra payment to the principle. Yet Navient does not inform a borrower in writing that they may erase this paid ahead status at anytime.
Product: Credit card

I applied for a credit card on the XX/XX/XXXX and decided to cancel application. Capital one took {$300.00} out from my account. They said they have issued a refund. I called more than 10 times now I am so upset how they lie over and over about my refund. They said, its going to be mailed after 7 business days. Everytime i call they make an excuse telling i should.have it in 10 days, tomorrow or next month. I called again today the XX/XX/XXXX, i was surprised when they said that i dont habe an account with them. My customer number and name is not in their system. I called the same number everytime
Product: Debt collection

We asked Account Resolution Services to validate a debt by the FDCPA law. They fail to do so by not providing that they are bonded by the State of Texas to collect debt in the State of Texas. I am going to provide the letter they sent in return to our FDCPA Validation letter that was sent to them. The letter that Account Resolution Services provided will be attach to this complaint and you ant see proof that they have the right to collect debt in the State of Texas.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX my mommy transfer XXXX XXXX USD to my checking XXXX XXXX  bank account. The money take so long for came true in my account so I decide go straight to the bank and for my surprise the bank close my account in XX/XX/XXXX. The bank told me can't tracking any XXXX  transfer, so my mommy decided pay investigation in her XXXX bank and the XXXX bank provide the XXXX, the XXXX the citibank from new York confirm the XXXX XXXX  bank accepted the money. I contact XXXX XXXX bank and the customer service say don't know what I'm talking about, do not recognize the XXXX, now I don't have the money, the XXXX XXXX  refuse give my money back dont have any refund money number or nothing. I open a case with XXXX XXXX and XXXX  bank send a paper with one code and answer this was refunded to my mommy, but brazilian bank don't have the refund and citi bank send the XXXX  XXXX for prove the money was send to XXXX  bank and XXXX bank send a code to the refund to the city bank.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a payment for XXXX the payment cleared bank. A payment for XXXX bounced due to them trying to take from wrong account. They are trying to tell me both payments bounced, when it is clearly seen that only the XXXX did not go through. Now they are saying I am XXXX months behind on credit report. This has been hurting my credit, they refused to give me a manager. They told me to go get an attorney to fix this mess even though my account is all paid up. This company should not be in business. I am living in a hotel room with my daughter. how do they even get away with this? It is mind-boggling. The representatives can not read payments correctly. I have asked again on XX/XX/XXXX to speak to a manager, it was refused, got transferred to the lawyer department without my knowledge. now I will be seeking extra conversation.
Product: Checking or savings account

I opened a checking and saving account with Chase early XXXX. I received a letter less than a week later stating they where going to close the account with no reason given. Then they are holding the {$16000.00} I deposited. They refused to send my funds and said I would need to wait for a check to be mailed which takes up to 2 weeks. I told them I needed my funds today XX/XX/XXXX. I've spoken to 5 different reps and the executive office. They opened an investigation but I need my funds now!!!
Product: Credit card or prepaid card

On XX/XX/23, I placed an advance online order with XXXX XXXX XXXX in XXXX XXXX CA. I provided my credit card for the estimated total of {$120.00}, and I requested pizza delivery on XX/XX/23. 

On XX/XX/23 at XXXXXXXX XXXX I received e-mail confirmation from XXXXXXXX XXXX XXXXXXXX for the amount of {$120.00}. 

At XXXX XXXX on the same day, a female pizza delivery handed my order, and provided a paper receipt with option for tip. I encircled the option for 15 % and wrote down {$19.00} on the paper receipt. 

On XX/XX/23, XXXXXXXX XXXX XXXX  charged my credit card the amount of {$19000.00} I spoke to XXXX XXXX XXXXXXXX multiple times and visited the store in person with hopes that this can be resolved. I was promised that the transaction will be reversed/money returned but this has not happened, and it has been 2 weeks. I have filed an incident report with the XXXX XXXX Police Department. 

I spoke to Barclays multiple times asking to please correct this significant financial overcharge by the merchant but no correction was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email requesting that a goodwill adjustment be made to my credit reports for XX/XX/2018 for my Capital One payment. The reporting was fixed on my reports for XX/XX/2018 ; however, my XXXX  report now has the 30 day late showing for XX/XX/2018. I have made numerous attempts to call my contact at XXXX. using XXXX as the 6-digit PIN with 7-digit extension of XXXX. I have left the number to use to contact me but I have not yet received any returned calls. 

Again, I've expressed my concern with this issue and I would like to maintain my relationship with Capital One.
Product: Checking or savings account

Today XX/XX/XXXX called XXXX clothing retail store in reference to a return in the store on XX/XX/XXXX. See return receipt attached. I purchased item online XX/XX/XXXX. Spoke with a manager XXXX as she stated they released the funds back to my debit card for {$34.00} act # ending XXXX on XX/XX/XXXX. I said its the XXXX & still no credit. I asked if she can stay on the phone line so I can call my bank BOA to very why I haven't rec'ed refund. Called and asked for a manager XXXX XXXX. Authorized to release my banking info to XXXX, with both XXXX and BOA online. Per XXXX with BOX they dont show the return as I told her I want my money back as I did what I was supposed to do and have a return receipt. XXXX also provided XXXX with a ref # showing the release on the XXXX-ref # XXXX. XXXX continued to ask the same questions over again and tried to change the subject and brush us off. Refused to acknowledge the issue and cont to make excuses on how they never recd it. She did not want to help and made every excuse possible. I said i want my money and you are in violation by holding the funds. I also asked her what do I need to do to get my money as she gave me a hard time in refunding my money. She asked me for the 6th time the amt, dates, she then asked WHY did I return the item in which has nothing to do with a return, I told her I didnt want it. How dare she even have the audacity to ask me why. She asked if i know their cancellation policy, I said this is not a cancellation, its a return. She then then says do you know their return policy, I said what is it to you? I returned it and have every right to a refund regardless of why or return policy from a clothing store! This is a right to policy and when does a bank have the right to require a reason for returns and being aware of a return policy from the store? Regardless if I had known or not, do I not receive a refund? She then asks what's the return number and I said I dont know, she then says well I cant file a dispute for a refund. 
BOA has NO RIGHT! Due to their incompetence and treated me unfairly, refused to refund my money after verifying the refund, dates, amounts the store, etc and she she refused to file or provide a credit is a violation. The bank can not decide on a credit because of the reason I returned the item. For this terrible treatment and caused my to have lower funds as I planned to place the amt in another act for a purchase. Now that they have treated me unfairly and refused to refund my act I request this bank to deposit/credit {$500.00} for their mistakes and errors as they have purposely refused to refund act for financial gains and inconvenienced me and my valuable time.
Product: Debt collection

In XXXX XXXX, i happened to check my credit report and i realized that it had addresses that i have never lived on and several delinquent activities that i was unaware of. One activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under sprint account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had sprint services and my identity was compromised. After a few days of investigation account was recalled by sprint and closed on XXXX/XXXX/XXXX agreeing that it was fraudulent account. Few days later i got a debt collection notice from " XXXX XXXX '' with the same sprint account number and amount claiming its new collection notice, i filled a second dispute through CFPB and a few days later XXXX investigated the claim and ceased collection activities and returned the account to sprint. 
Today ( XXXX/XXXX/XXXX ) I received a collection notice ( see attached ) from ERC of the same sprint account number XXXX in amount {$1100.00}. I want to emphasize that this account is a result of ID theft and I have never had XXXX and never lived on XXXX XXXX XXXX # XXXX, XXXX, RI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, XXXX XXXX
Product: Debt collection

I requested to be placed back in administrative forbearance on XX/XX/year> via Mohelas email and by phone on XX/XX/year>. This is because I have already exceeded XXXX payment counts for PSLF. My count is XXXX. I talked with several Mohela representatives on XX/XX/year> and was assured I would be placed back in forbearance. It is now XX/XX/year> and it is showing payments are past due. I asked repeatedly by phone and email to fix this and put my account in administrative forbearance until forgiveness is processed. I do not owe anything at this point. It has been over seven weeks since my original request to be placed back in forbearance and there has been no action. Mohela representatives stated they will place me back in forbearance, but no action on their part in seven weeks. They are deliberately refusing to follow through to cause me financial harm and further distress.