23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted Navient in the hopes of lowering my monthly payments from {$260.00} to {$130.00}. I made sure I contacted them before the loan was even due to ensure proper time was given to handle the issue. I was placed on a payment plan and my first payment was drafted from my checking account on XXXX/XXXX/2017. It was agreed that subsequent payments would be automatically deducted each month on the XXXX. I checked my Navient account a few days later and was told my account is past due and I will incur late fees. When I called back to inquire about this I was told the following : 1 ) I did n't pay the full amount despite them seeing the payment plan ; 2 ) the person who placed me on the payment plan was unauthorized to do so ; 3 ) they admitted that the program was n't explained well to me and that I would have to wait for upper management to approve my payment plan which could take three months ; 4 ) even though I would incur late fees, they would not be reimbursement even after my good faith effort of paying every month ; 5 ) I would have to make three successful and consecutive payments before the plan is approved, which was not explained at the time of setting up the payment plan ; and 6 ) my account may go into default despite paying every month BUT I should n't worry for now because I am only a few days past due. I was stunned by the miscommunication, lack of professionalism and sheer incompetence of their customer service representatives. I 'm not trying to avoid paying my loans, I simply want an option that 's more affordable. Considering that, I feel that there should be better information available customers and better care on behalf of the reps when dealing with these types of circumstances.
Product: Checking or savings account

I originally filed a complaint against Truist and XXXX, and have just received their stupid and fraudulent response : XXXX SUBMITTED ON XX/XX/year> PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account Please note, I don't understand how XXXX and Truist began mailing " documents '' in the same envelope when the real XXXX does not. 

1. I recently contacted my old employer, XXXX XXXX, and asked the Payroll manager who is XXXX. She told me that my " tax person '' did not do my paperwork for the IRS correctly that is why XXXX needed for me to pay my taxes. Please note, I have never been a " payroll person '' -- I am a XXXX. If there were any errors on my taxes before being issued my checks for my job, I had nothing to do with the overall framework of preparing checks for employees. ( I am attaching that conversation ). 

2. Regarding Levy Garnishment obtaining permission to enter my son 's checking account which he owns, I NEVER authorized that as the rep from Truist insinuated I did. Therefore, I would like Truist to return my son 's {$410.00} that they took without permission or authorization from me. I have never owned my son 's account because he was old enough to open the account for his use. 

3. I would like Truist to provide proof that my son and I own a safe deposit box with the bank. We do not own any safe deposit box ; therefore, I would like to be reimbursed for the {$120.00} that Truist illegally took from my son 's account.

4. I also would like to have the {$1000.00} that was removed from my checking account that left me with {$26.00}.
Product: Mortgage

>On XX/XX/XXXX, I received a mortgage from Beneficial HFC for a term of 15 years. 
On XX/XX/XXXX my husband and I received another mortgage from same company term of 5 years. The XX/XX/XXXX mortgage has been paid off. A few years after my husband passed away I started having problems making my payments at which time several problems arose. I did get help after a lot of confusion between me and them by them deferring my mortgage interest and restarting my payments. I had problems after that with different things they would charge me for and not being able to explain what the charges were for but I had to pay. Time after time they would charge me for homeowners insurance when I already had insurance. It was a nightmare. My payment amounts were changing, interest rates changed, principal balance was much higher than it should have been. Finally in hopes to stop confusion I agreed to a loan modification. The loan modification was dated XX/XX/XXXX. My hopes were shattered. I still had trouble with them applying my payments correctly and had my escrow balance wrong. Escrows for taxes and insurance started with modification. Six months after the loan modification my mortgage started being serviced by XXXX XXXX XXXX. In XX/XX/XXXX the mortgage servicer changed again to XXXX XXXX XXXX. Starting with the first Payment to XXXX they sent a statement showing I was a month past due. I was not past due and have tried several times to show them where the problem occurred but they ignore it. They have shown me past due several different months. I have proof of all payment since modification. Every month since the loan modification I have gotten in addition to my statement letters with subjects of Servicemembers Civil Relief Act, Home ownership counseling, and Loss litigation hardship assistance, and Notice of intent to foreclose. I wasn't behind on my payments. 

When I gathered information from the statements etc I had from mortgage companies, I found several XXXX with loan numbers I wasn't familiar with and could find nothing on I requested that they identify the loan numbers that were on them. They ignored request. I had thought maybe some payments were posted wrong. I have had different loan numbers I didn't understand associated with the XX/XX/XXXX mortgage. 

I mailed by certified mail a letter explaining my concerns and wants plus 15 different documents to all three mortgage companies showing problems and proof of my payments. Much to my disappointment nothing changed. 

I need help. I am a widow on social security and I need peace of mind I can finish help paying off my mortgage without having to pay much more than I should have to pay. I need a solution to this problem. I have lived every month with excessive XXXX and XXXX because a mortgage company refuses to correctly reconcile this problem. 
My effort to reconcile problem wasn't accomplished. No
Product: Debt collection

LVNV FUNDING HAS continually reported incorrect, untrue, and constantly changing the method of reporting creating an unfavorable financial profile thus KNOWINGLY AND INTENTIONALLY damaging, interfering, and stalling any opportunity for I to be able to obtain any type of credit function in 'PURCHASE MONEY LOANS '', housing rental nor a mortgage. 
This has been disputed prior on multiple attempts with requests to provide " PROOF '' of Debt being owed between I and LVNV Funding to no response in this matter. No factual evidence has been brough forth of a true obligation with a " contract ' with wet ink signature. No 'PURCHASE AGREEMENT ''. Nothing to the effect of any contractual obligation of a debt relationship of a creditor-debtor nature. 

This amount is not owed to LVNV Funding as no true lien exist through the legal court system evidencing an obligation, especially as no lien exist through the STATE OF ARIZONA SECRETARY OF STATES OFFICE in the form of a UCC Financing Statement nor a UCC 3 Amendment establishing and evidencing the fact. 

NO LIEN, NO DEBT OWED. REMOVE IMMEDIATELY THE CURRENT AND FUTURE REPORTING OF A FALSE AND UNTRUE DEBT. 

Remedy in the form of litigation pursuing damages will be brought forth. 
and lastly, LVNV Funding is in violation of copyright trademark infringement and has currently 11 violations in the fine amount of {$250000.00} per occurrence per vendor violation. This is going to be sought through litigation especially if no correction is conducted by LVNV Funding effective immediately.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report.

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : 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 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 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 XXXXXX/XX/XXXX I dont recognize this account. I did not authorize it and because of an XXXX  roommate, I have to suffer for her terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Debt collection

This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Experian and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Product: Credit card or prepaid card

HI Victoria Secret / Cb ; Hello and sorry, I'm little confused that you even allowed to mark me late on XXXX 2022 for 30 days during covid19. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.
Product: Debt collection

Received statement from Sequium asset solutions LLC stating I owed XXXX XXXX money for tv and internet services which I verified with XXXX XXXX was not due and they did not send info to Sequium for collection. Scary that Sequium could get that info. Tried to contact Sequium but could get no one to call me back. According to XXXX XXXX XXXX  there are numerous complaints against this company and it is not accredited by XXXX Sequium needs to be put out of business and someone accused of fraud. Thanks
Product: Credit card

I received a notice from Chase Bank USA in the mail stating that the terms of my cardmember agreement had been revised and that my Cash Advance APR rate would arbitrarily rise from 19.49 % to 25.24 %. I called the hotline posted on the notice and spoke with a customer service representative from Chase to dispute the changes to the agreement. The representative was kind, but told me that my only option to reject the interest rate hike was to close the account.
Product: Consumer Loan

I lost my job XX/XX/XXXX and being over XXXX and a XXXX veteran, I have n't found a job. When my unemployment ran out, I could n't make the {$1100.00} monthly mortgage payment to Wells Fargo ( WF ). I tried working with them to do a modification. I even did a three month trial of {$550.00} a month XX/XX/XXXX. The month I receive a tax refund I paid {$700.00} to show good faith. I have been through XXXX preservation specialists since no one at WF can read. In XX/XX/XXXX WF finally sent me a set of modification paperwork. The property description on the paperwork is wrong. I have the mortgage with WF on the house and XXXX acres. At the time the VA would n't loan on more than XXXX acres. The other XXXX acres have a lien on them by another bank. I have tried continuously to help WF correct the property description. The county assessors office does n't care about my having XXXX parcel descriptions. Since it is one contiguous piece of land that is what they tax. One day I sent XXXX copies to every fax number I could find for WF. I have tried to work with the executive office, XXXX . XXXX XXXX ( XXXX XXXX ). My previous payment was {$1100.00} monthly. Since I lost 80 % of my income I can no longer make a {$1000.00} payment. I have been sent several sets of modification paperwork in which the description is wrong and the interest rate keeps changing. My legal counsel advised not to sign paperwork with the wrong description. In XXXX XXXX XXXX XXXX and I telephonically discussed the fact that my modification has been in process for over 2 years. I explained to him that I have completely cooperated in trying to correct the description and that I should n't be punished for WF 's inability to do there job. He agreed and the loan should be based on the XXXX XXXX amounts. When I spoke to him two weeks later he said that I would have to pay the whole amount to bring the 'loan current '. I then switched to doing everything by email. My preservation specialists continues to call and wo n't answer my emails In the meantime while all of this has been going on my credit score has gone from the high XXXX 's to XXXX and lower. I have a 13 % car loan. I have been paying higher interest and had credit limits lowered or accounts closed out because of WF 's stupidity. On Thursday XXXX XXXX, XXXX they sent me modification papers with the whole amount ( {$150000.00} ) included with a first payment date of XXXX XXXX, XXXX. WF was starting me out 60 days behind and a payment equal to what I was paying when I was working. I could n't pay the original payment when I lost my job and I cant pay that amount now. I even suggested WF combine both mortgages then WF will have right and title to the whole XXXX acres and the money I am paying monthly for the second mortgage could go towards the payment. As a side fact, my house has been listed on XXXX and I have people coming it up wanting to 'view ' it. I am constantly being threatened with foreclosure. This has been going on for three years and I am on the edge.
Product: Credit reporting or other personal consumer reports

I recently applied for a XXXX XXXX loan, I was turned down and the denial letter from the bank listed Equifax as the reporting agency. They listed that I had 1.Serious Delinquency 's 2. number of accounts with delinquency 3. Too many Finance companies accounts 4. Length of time accounts have been established and 5. the FICO score is incorrect. 6.5 years ago I had to file for a XXXX XXXX bankruptcy after a serious injury and lose of income ( I realize it stays on my record for 10 years ), but since then I have worked hard to reestablish myself financially and have bought a number of large purchases and have paid them off in record time. I have 3 credit cards and they have been either not used or carry a small balance and are very current. I only barrowed money from one " Finance Company '' to pay for a tree removed from my property and they were paid off in 1 month., and I have had the same checking account with my Bank for the last 37 years. I presently have NO Delinquent Accounts since the XX/XX/2017 bankruptcy and my Fico score at this very reporting agency is XXXX, but the agency reports it as XXXX how am I to reestablish myself if the credit reporting agency keeps putting out incorrect information and I have no way to ask for a correction since it was from incorrect information in the first place. Equifax informed me that the FICO score is different and to to different companies? how the heck can there be so many different scores. Trying to fight this is almost impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian does not update the fact that I payed of my car loan in full and keeps a outstanding loan on their records of over XXXX $ the car loan in dispute is payed off over 2 month ago. Over one year earlier than the loan was agreed on. the finance company is XXXX and I got the title mailed to me.
Product: Credit card

I have been a loyal American Express customer for 15 years. I have never requested a fee waiver in that time period. I pay my account in FULL each month. 

I noticed I was charged a {$40.00} late fee after the XX/XX/XXXX holiday. I was out of town for the holiday and logged onto my account the Monday XX/XX/XXXX after the holiday to pay my bill and noticed a {$40.00} late fee that was charged on XX/XX/XXXX even thought he previous month I had paid on XX/XX/year> in full and had a XXXX balance. 

I called American Express to get the late fee waived and was told this was denied. American Express indicated that I was late 1x previously in the 12 month period and this was the reason. I looked at my account and saw that I was in fact charged a {$29.00} late fee in XX/XX/year> but I had made 2 payments in XX/XX/year> and had a XXXX balance. They explained that my billing cycle was a random date in the middle of the month which was never explained to me or disclosed. American Express also never checked with me to make sure the billing cycle works for my needs ( a customer who paid every month in full ). 

The billing cycle used by American Express enabled them to charge fees and interest even though I pay my full account balance each month at the beginning of the month. They charge a late fee for activity after my account has been paid in full. The charges that are leveraged in their next billing cycle which is at the middle of the month are low in dollar amount ( under {$40.00} ) for which they then charge $ XXXX {$40.00} in late fees. This is predatory and abusive. 

The representative was not helpful on the phone. Did not acknowledge that I was a loyal customer, pay my account in FULL each month or that the billing cycle can be easily adjusted by American Express so that customers like me are not charged abusive fees. Instead he just said he could do nothing. 

- Poor customer service. 
-Not wanting to help. 
- Abusive practice in not disclosing fees will be levied -Abusive practice in not disclosing billing cycle - Abusive, predatory, and unfair practice of not contacting the customer about adjusting the billing cycle especially when customer has been loyal and paid on time and in full each billing cycle- American Express took advantage of the billing cycle being in the middle of the month after I had paid off my account in full so that they could charge fees to bolster their pockets and off the backs of loyal customers.
Product: Mortgage

At the closing of our mortgage on XX/XX/2020 our estimated monthly escrow payments for our insurance and taxes was {$1800.00}. We received our first escrow analysis XX/XX/2020 and within that notice they indicate they have received the actual amounts for our taxes and they are lower than what they estimated ( Estimate : {$1600.00} monthly, Actual : {$1500.00} monthly ). As part of that Escrow Analysis they are asking us to pay an additional {$2700.00} in one lump sum or over 12 months. I reached out to Bank of America to understand why we're being asked to pay more when our actuals ended up being less than their estimates and the explanation was more of a regurgitation of the Escrow Analysis instead of  addressing the route cause that their initial calculation at closing appears to be a miscalculation on their part. The idea that your escrow payments need to go up even though your taxes came in below their estimates seems to be a miscalculation on their part at the onset of the mortgage or just a poor explanation of their escrow calculation process. 

Fortunately I am able to handle this financially, but I can imagine others that would go through something similar could struggle to pay if Bank of America is not properly explaining their escrow calculation prior to closing or just doing it incorrectly and creating these surprise additional payments. Also, could see how this could affect people that would want to plan and pay down their mortgage faster with additional payments, thus causing additional financial harm.