23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have been calling Wise support since XXXX and have dealt with several extremely unprofessional individuals. The first person I spoke to on XXXX at XXXX had a sort of speech pattern issue where she kept saying umm repeatedly. It made it impossible to make sense of what she was saying. She did however say that I would be able to send a transfer by XXXX, and I still can not. Today XXXX, I called around XXXX XXXX  time and the first person I spoke to had so much noise in her background that she needed me to repeat everything I said XXXX times, she was at a party I guess? I ended that call and called back around XXXX and spoke to XXXX who hung up the phone after I asked for his name. I finally reached XXXX at XXXX XXXX  she tried to be helpful but she had no idea how to resolve my issue. Eventually the first person I spoke to with the noisy background, I believe her name is XXXX, emailed me back and said that they had given me incorrect information about when I could send money. I wrote back asking for the exact date and time and never received that information. I then called back at XXXX XXXX time and the person who answered refused to disclose their name. The second time I called at XXXX, XXXX, asked for my middle name. Because no one had asked for it the first XXXX times I called I did not disclose it. When I called back at XXXX and reached XXXX in XXXX XXXX he said he had to end the call for security reasons he could not disclose. All of this run around and inability to send my money is directly effecting my livelihood. I still have not received money or been able to send it and it is the end of the day in XX/XX/XXXX, the day that they said I'd be able to send money. As of yet, there has been no effort at all to make any of this right, not even an apology of outreach from someone in customer service. 

I am also extremely concerned by Wise 's decision to partner with XXXX companies that have very serious legal issues. I want to know why they have chosen to partner with XXXX and XXXX instead of linking bank accounts and handling people 's private information themselves. Furthermore, their customer service is atrocious. I reached out with a complaint on XX/XX/XXXX initially, or there abouts. Someone named XXXX in complaints administration said she'd get back to me urgently and I still have not heard from her or anyone else at Wise. My initial complaint was because I could not link my bank account without the use of XXXX of these third parties Wise decided to use without informing customers and without offering alternatives.
Product: Vehicle loan or lease

Insurance supposed pay off my car loan n had gap insurance but they say they took it from me
Product: Debt collection

A fitness club had a clause in their contract saying if you cancel within three business days you are not obligated to pay anything. If you go past these three days then cancel you pay {$300.00} dollars or so. 

On the third day ( within the acceptable window ) I called in to the fitness club and asked what would be the appropriate steps to cancel the contract. They stated I have to come in to cancel, but since I called I can come in anytime that week that is convenient and not pay the fine. Upon arriving a few days later at the club I was given a business card and told to email the individual stating my wish to cancel. After doing so, the individual on the email stated I was pass the three day window to cancel and I owed {$300.00}. I responded with an email describing the situation - how a representative from the company gave me a verbal agreement that it was ok to come in later the week. I received another generic email, which did not dispute or even acknowledge anything I said about the verbal agreement, and stated I still owe {$300.00}. I sent another email asking to discuss this further over the phone because I feel I was apparently lied to and I do not believe that is an acceptable business practice to entrap someone like that. After no response back by email I called multiple times and left messages or a person at the club stated someone would get back to me. I never got any response back from the club. A few months later, I found a letter in the mail from a debt collection agency saying I owe them {$300.00}. 

Should I have done something different? Do I owe that {$300.00} to the health club? It appears like that was an entrapment technique. and the company refused to negotiate with me in good faith or even reach back out to me.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report from Experian, XXXX, and XXXX. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.
Product: Credit card or prepaid card

Credit card balance has always been paid on time, never late. XXXX XXXX XXXX, I started having issues with Capital One stating I had not paid my balance. When this would happen I would directly contact my bank which would in return send the necessary and requested statements to Capital One showing the tracking number and when the payment came out. In late XXXX XXXX, Capital One contacted me stating again that my account was past due. At that point I thought the best option was to pay the balance ( again XXXX and according to Capital One they would issue me a refund check once the initial problem had been resolved along with the accuring interest that would totally just over {$900.00} for everything. Every time I called Capital One I would get another story about them processing the paperwork and that my refund and new card would be issued within the next month. Every week I would contact them and find out what the update was. I have been in contact with the fraud department at Capital One since XXXX XXXX and I have yet to receive my refund or my new card. I also asked if they had cleared my credit the the XXXX main bureaus because I did not what it to be affected because of something that was out of my hands. Over the past month I have called Capital One almost on a daily basis to see what the hold up is and this past week XXXX XXXX, XXXX, I was told to expect the card and refund by XXXX no later than today. At XXXX p.m. XXXX XXXX XXXX I realized that yet again I have been lied to about what is actually going on so I called and spoke with the company yet again. This time I was informed that they could see a card had been issued but no tracking number could be found. I also asked about my XXXX XXXX considering I have spent some time improving it. 

I just want my credit cleared and my refund issued back at this point. If you could look back at my payments with Capital One you will see that all my payments were paid immediately after a purchase cleared.
Product: Student loan

On XXXX/XXXX/2014, I was granted and approved for XXXX application Account # XXXX, to discharge my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and FFEL Consolidated by Nelnet. On my XXXX and XXXX Credit reports under Dept Of ED XXXX/NELNET it states that XXXX and XXXX were paid over XXXX through ; XXXX XXXX, and XXXX XXXX stating that these accounts were transferred and reported this to all XXXX credit bureaus. This is incorrect. 
NELNET
Product: Debt collection

Account Resolution Service has reported fraudulenty to credit reporting agencies that I owe a debt for {$880.00} for Emergency services in New Jersey. I never received any written communication or phone calls from this company yet it was reported on my report on XX/XX/XXXX. 

I have not lived in New Jersey since XXXX, I have been a resident of the State of Georgia and employed in Georgia. 

I am demanding that this be removed from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I uncovered inaccuracies within certain sections. According to the provisions outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate these reported accounts as unverified information, without furnishing proof within the legally stipulated timeframe, is not permissible. The accounts listed below require investigation and correction due to erroneous reporting : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} DEPTEDXXXX XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXXXXXX XXXX Balance Owed : {$5000.00}
Product: Vehicle loan or lease

In XX/XX/2019 my XXXX year old XXXX died and I was desperate for a car so I went to XXXX in XXXX WI. I had a bankruptcy on my file but other credit cards with exceptional repayment history. The only loan they offered me was Exeter Finance in Texas at 28 % interest. Normally I would NEVER take out a loan with this high interest but I was desperate. They should NOT have approved me for a loan at all!!!! XXXX told me I should be able to refinance it in 6 months. So I called Exeter at 6 months and they refused to refianance the loan. There is also an arbitration clause in the agreement that they demanded I sign and I was unaware of what it really meant at the time. They went through the paperwork so quickly I don't even remember signing it! Now it's over a year later and with COVID I've missed about 6 or 7 payments. They put 4 payments at the back of the loan and told me I would still be paying interest on the missed payments so I would owe even more money so it really was no relief. I've told them to come repossess the vehicle but they haven't done it. I even had it parked in a paid garage to keep it from damage!! To date they haven't picked it up. I had to move it because I cold n't afford to keep paying for the covered parking garage for it. They refuse to refinance and refuse to lower the interest rate. This is a {$19000.00} car! I owe {$24000.00} plus on it!!! More than I originally financed! The payment should be no more than {$250.00}!! This is the equivalent of a {$45000.00} car!!! It's predatory!!!!
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate an account showing on my credit report properly. 
On XX/XX/2023 I disputed an account that is not mines, reference # XXXX Equifax never investigated the account ; the results were sent back on XX/XX/2023 as verified without any investigation at all.
Product: Credit reporting

I am looking at my credit score and i am seeing a few things wrong with this information. XXXX i have a name on there that is not mine. The spelling is different which leads me to believe that someone is stealing my identity. Second there are credit cards on there that do not belong to me. I have never owned a credit card. I would like this information reviewed. The credit card i noticed right off hand was kohls credit card. I have never shopped at this store. Please let me know how this can be handled.
Product: Student loan

I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. 
I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. 
I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. 
On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. 
The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. 
On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected.

Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. 
I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.
Product: Credit card or prepaid card

Late XXXX XXXX applied for and received approval for US Bank Business Credit Card XXXX 
I SPECIFICALLY applied as a result of their 18 month 0 % APR purchase and balance transfer offer. 

Approximately first week of XXXX, during what seems to have been system upgrades/updates inside their portal, I was UNABLE to add a payment mechanism to the portal. 

Believing that a bank with XXXX XXXX XXXX  under management would a ) know about it's technology and platform issues, and b ) would rectify them in a timely manner, I presumed, evidently incorrectly, that they were aware of the issue, and would not embark on penalizing its account holders as a result of problems with its site. 

Approximately one week after payment was due in XXXX, I was greeted to a late payment fee of {$39.00}. 

I called in and spoke to a lovely woman who I explained the situation and site issues to. I noted while on the phone with her that the issue had been resolved, and processed payment immediately. She also as a result of recognizing US Bank 's technology failures reversed the late payment fee of {$39.00}. 

Fast forward one month and I'm looking at an unusually high bill on the account. I look at the statement and I'm greeted by the 0 % 18 month intro period disappearing and being replaced with 23.49 % APR. 

I call in twice today. 

First, the woman I spoke to placed me on hold for several minutes ( what she called " a moment '' ), and the second the supervisor got on the line, she hung up on me after attempting to verify that XXXX 's name was in fact spelled as XXXX. 

On the second call, XXXX, who evidently thinks its appropriate to address customers as anything other than Sir or XXXX XXXX saw fit to interrupt multiple times while attempting to notify US Bank of its CONTINUED error stemming from its site errors last month. 

As a result of US Bank 's continued errors I am now being billed in excess of XXXX XXXX that I am in no way due or accountable to and this needs to be rectified.
Product: Debt collection

In XXXX of XXXX XXXX & XXXX, attorneys for LVNV Funding garnished my wages for {$1000.00} for case number XXXX. This was fair as I owed that. In XXXX XXXX I got garnished again from the same case that I had already been paid in full for the out of {$880.00}. I got garnished XXXX times for the same account. This is embarrassing as well as my credit score went down.
Product: Credit card

On XXXX XXXX, 2016, I called American Express asking them to downgrade my account to a no fee version. They told me that it is not possible but offered to open a new account. I was reluctant because I thought it would result in a hard inquiry on my report. The agent assured me twice that there will be no new hard inquiry on my report. Our call was recorded. Before I gave her my authorization, I double checked that there will be no hard pull and she confirmed. Today, on XXXX XXXX, 2016, I have checked my XXXX credit report and found out that they placed a hard pull. This hard pull was obtained without my authorization. I asked them to remove it but they refused.
Product: Mortgage

I was shopping for refinancing rates in XXXX when I stumbled upon AmeriSave. AmeriSave quoted me 2.5 % on a 30 year fixed conventional refinance for a single family residence in Nevada for {$2600.00} in fees. I agreed to this pricing in XXXX and was told they would hold the rate for me for free since they were taking so long to underwrite. The loan processor then asked me to fill out the application and upload the traditional docs for underwriting ( W2s, Bank statements, etc. ) and I complied immediately. I was also told that an appraisal would be able to be waived. However, I was charged for an appraisal and subsequently told I'd be reimbursed for it at closing as I assumed it was a paperwork issue. For months, I was asked for more and more information despite having an acceptable DTI ratio and prime credit. In XXXX I said to the loan processor that this is getting ridiculous and that they needed to finalize closing already. When I received closing disclosures, AmeriSave snuck in 3.5 % interest ( NOT the 2.5 % I agreed to ) and {$6200.00} in points ( NOT the {$2600.00} ) I agreed to. The loan processor told me that it was just reflecting current pricing and he would get it corrected. Then the next closing disclosure reflected the same higher amounts. I complained, and was told that they can not change it. It seems that AmeriSave is back to their old Bait and Switch tactics from before ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ ).
Product: Prepaid card

I, XXXX XXXX, wish to complain to help resolve a claim denied reconsideration of my Bofa visa ending XXXX, and a dispute of 12 transactions totaling {$100.00} initiated as non-fraud initiated XX/XX/XXXX to the claims dept. at phone number XXXX. 
Bofa claim number XXXX. 
The claim was denied about the requested additional information describing the transaction not found even though I submitted the document by fax even on time to fax number XXXX. 
The 12 purchases that posted a debit in error on my account as follows : 1 ). XX/XX/XXXX lift right debit {$12.00} is it billing error for this purchase I did not make or give permission to deduct money from my account. 2 ). XX/XX/XXXX XXXX cell service purchase a {$22.00} for cellular service that did not work with the device that was unable to use the cell service to reverse returning the funds. 3 ) XX/XX/XXXX XXXX XXXX  posted for cancellation fees in air for these four transactions not done by me {$7.00} 4 ) {$1.00} XXXX ) {$5.00} 6 ) {$3.00} 7 ) XXXX XXXX XXXX XXXXXXXX debit {$21.00} purchase air not done by me I gave no one permission to use my account. 8 ) XXXX / XXXX XXXX XXXX  debit {$6.00} for cancellation fee not authorized posted an error because I gave I did not make the transaction or give permission and receive no ride or request. 9. ) XX/XX/XXXX XXXX XXXX {$6.00} for a cancellation fee I did not make a request for and give no permission to use my account 10. ) XX/XX/XXXX XXXX XXXX {$4.00} or a cancel fee I did not make or give permission to charge my account 11 ) XX/XX/XXXX XXXX XXXX  {$10.00} for a purchase request I did not make and I did not receive a ride or give anyone permission to use my account this transaction is unauthorized. 12. ) XXXX XXXX debit of {$1.00} for cancellation fee that I did not get permission to or make any requests for. 
The denied 12 transactions because of the additional information needed in writing to describe the transaction wasn't found the claims research department debited my account for the temporary credit that was issued previously and made my account in the negative $ XXXX and for over a month now and denied too quickly about overlooked information that was in the past month submitted and still the claim hasn't been resolved and repaid resolving the negative balance
Product: Debt collection

Team Recovery in XXXXXXXX XXXX has stated that they purchased debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after a MAJOR SNAFU by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We confirmed that we made enough to qualify for Medicaid. Instead, the third party staff at XXXX lost the paperwork/never turned it in and then tried to bill us {$36000.00}. 
After months of working with XXXX XXXX XXXX confirming a huge mistake was made, they said they could turn the bill into {$11000.00}. We said we did not accept this as it was not legal and we qualified for 0 % payment, but they withheld our paperwork from Medicaid.

Team Recovery contacted myself and my husband at our previous phone numbers CONSTANTLY. Each time I told them to send an itemized bill and proof of debt validation letter. They have never sent either.
Product: Credit card or prepaid card

On XX/XX/2019, I tried to transfer my reward point from American Express member reward to XXXX airline and the action was declined by american express. They frozen my total XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I have filed for police report and sent these to the credit bureaus for couple of times.
Product: Mortgage

Took out Loan with Bank of America on XX/XX/2007 for XXXX some how XXXX XXXX XXXX XXXX XXXX XXXX purchased my home for XXXX and they are trying to foreclose on my home.
Product: Student loan

I am a co-signer on a private school loan for my daughter. We took the loan out in XXXX and Ive been making payments on the loan since XXXX or XXXX. I cant recollect definitively when loan payments began, but I believe around around XXXX or XXXX, I did experience a financial hardship where I had request forbearance XXXX times from loan server AES. The loan is owned by National Collegiate Trust XXXX XXXX, and after a decade of on-time payments by me ( post forbearance request ) Ive been denied co-signer release benefit at least 3 times citing forbearance, even XXXX time is a disqualifying event for co-signer release per their terms. The loan was initially executed through XXXX XXXXXXXX XXXX. I did not know the loan by XXXX was even owned by NCT until years later when I initially starting inquiring about a co-signer release. I have never received documentation from XXXX or AES regarding the loan terms which supposedly include the forbearance stipulation.