23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a whole house generator through XXXX, which requires payment on the XXXX XXXX XXXX XXXX by Citi. The contract value exceeded the current credit limit, and the increased credit limit offered by Citi. The XXXX seller agreed to bill in XXXX installments, with a first amount of {$13000.00} on XX/XX/XXXX. The charge posted to the account on XX/XX/XXXX and I immediately paid the full balance of the card via XXXX from XXXX XXXX. The payment posted to the Citi credit card account on XX/XX/XXXX and to XXXX XXXX account on XX/XX/XXXX. Due to multiple payments on the card in the month and full payoff of a large charge, Citi has placed a hold on the {$13000.00} payment and is refusing to release the credit limit and allow the XXXX seller to post the second charge. 

Citi 's ability to place holds is not disclosed in the XXXX XXXX that I received when opening the card : XXXX XXXX XXXXXXXX. 

Citi 's payment screen does disclose that holds may me applied ; however, when I ask Citi where this is contained within the Card Agreement, they can only refer to Section 7, which deals with defaults. 

Citi states ability to place holds on payments is contained within Card Agreements, but they can't provide a reference to the XXXX XXXX XXXX XXXX agreement. 

Citi representatives admit they may be acting outside of the Card Agreement, that they are in possession of the funds, and that the ACH can't be reversed. However, they are unwilling to take any steps to remove the hold.
Product: Student loan

My account was incorrectly reported 90 days past due on   XX/XX/XXXX . I filed a fraud package in  XX/XX/XXXX . After which, I called several times to check o n the status of the account, and I was told that servicing had been suspended and a credit bypass had been placed on the account until the dispute was resolved. I was told that I would be notified when the dispute was resolved and the next payment date, if applicable. I was never informed of the resolution of the matter and that servicing had been resumed until I called on   XX/XX/XXXX   at which time I was never informed about when the payment was due or that it had to be paid before    XX/XX/XXXX    to avoid negative reporting prior. Despite numerous requests o n  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  to obtain this information in writing via mail, I still havent rec eive anything. On     XX/XX/XXXX  when I called AES the last time, I was told that this information was sent to the borrower on  XX/XX/XXXX , but not the person that actually filed a fraud allegation against the borrower, which was me. Despite me opting not to receive electronic correspondence, on  XX/XX/XXXX  a  letter attached hereto as Exhibit A was sent to the paperless inbox entitled Loan Information for :  XXXX   XXXX  with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation.  The Guarantor of t he above-referenced loans disapproved the allegation based upon review of documentation. I was not aware of this letter until I spoke to the representative on     XX/XX/XXXX .  Accordingly, I was never given an opportunity to pay the past due balance ( which I should have been notified of since Im the listed as the co-signer ), which dated back to the time I filed the fraud allegation and was only due to servicing being suspended during the investigation. In essence, I was penalized for filing a fraud allegation due  to AES and the Lender failing to communicate the resolution of the case and when the payment was due. I also filed a credit dispute for AES erroneously reporting the  loans 90 days past due without notifying me the loan had even gone into repayment. I was informed today,   XX/XX/XXXX , tha t the information reported to the credit bureaus was determined to be valid, but I was not informed of a way to dispute the decision. In addition, I have still not been informed of the reason for the denial of the fraud allegation or the process for appealing, and AES will not send me another fraud package so I can resubmit the claim.
Product: Mortgage

I am very unsatisfied with the service that I am receiving from your company regarding my first home mortgage loan. I am in the process of relocating and purchasing a home in  GA. T his has been my dream for the pas t 10yrs. H owever, this has been a complete nightmare with your company that has caused me to lose monthly income and threaten my employment. This whole process begin  in   XXXX    2017. I understood that the home buying process was stressful but dealing with your company  's processing incompetency has magnified the taxation on my health and financial obligations. Everyday there is something new that needs to be verified that I have already provided. My income a nd DTI h as be recalculated numerous time by different people in your department and each person comes up with a different number which starts the request for documentation all over again fro m step 1. Clearly there is a failure of communication in your company. I have done my due dili gence and sent every document over that I was told was needed to close this loan but as of toda y   XXXX   XXXX   2017 I hav e received nothing but complete inconvenience. I 'm being lied to and given misinformation on a daily basis. Yesterday, I was told by  Branch Manager   XXXX   XXXX , that everything was set and I would be receiving documentation to finally close on the loan approval. Needless to say, I have not received anything since the phone call him and I had yesterday afternoon. I have been calling him consistently to find out what happen to the final documents I was supposed to sign and to no avail I have n't been able to get in contact with him. This has been a disaster for me in all areas of my life. I wish I would have went with another mortgage company who was more trustworthy and consistent with the loan process.       Update : I just got a call from a  XXXX   XXXX  who is supposed to be a branch manager in   SC  t hat called me to question me about even more letters. I am very frustrated to tears. He started yelling at me, cutting me off, being rude and hung up on me. I am being discriminated against. Is this a real company??!!!
Product: Money transfer, virtual currency, or money service

I am starting a new complaint as I am super frustrated with Wells Fargo. This is in regards to a XXXX scam. I have already filed claims which Wells Fargo directly which were denied. I have also already filed a complaint against them, which was closed. They are failing to help me and I am going to have to take legal action if this doesnt get resolved. For full details of the scam you can reference : Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX I am extremely dissatisfied with Wells Fargo. You guys have failed to help me as a customer as I was a victim of this horrible XXXX scam going around. This same scam targeted many XXXX XXXX XXXXXXXX customers ; however XXXX refunded their customers who were victims to the scam. You guys have failed to do so. Therefore I have no choice now but to take legal action. I am very frustrated. I have my money in your bank to be protected. And you guys are unable to do that for me. I have been a XXXX customer since 2003. I will be switching banks once all of this is resolved. 

A federal law known a Regulation E protects victims of fraudulent money transfers. Consumers who suffer unauthorized transactions are entitled to Regulation E protection, and banks are required to refund. This isnt a controversial opinion, and it was recently affirmed by the CFPB. See the link below : https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I refuse to let Wells Fargo fail to help me as a customer of theirs for 18 years. I am going to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instru
ctions.
Product: Debt collection

XXXX XXXX and Computer Credit , Inc are attempting to collect a debt for services that were not rendered. I have notified XXXX XXXX 's office in XXXX XXXX XXXX, Iowa of the issue but to no resolve. Instead, they have engaged Computer Credit to attempt to collect from me. 

The bill amount is for {$1200.00}. The only services performed by XXXX XXXX was a XXXX procedure. This bill is for a XXXX - a service NOT provided by XXXX XXXX. Further, I was under NO CONTRACT to buy a XXXX  from them. The reason I did not use their service is that the prices were too expensive and they treated the entire process like I was buying a used car.
Product: Credit reporting

This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I have disputed it with Equifax and am awaiting a response. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?
Product: Mortgage

I am XXXX of XXXX heirs to the deed of my deceased mother 's home. Rushmore Loan Servicing initiated a fraudulent loan modification stating XXXX XXXX owned interested in the property. This modification started in XXXX of XXXX. Rushmore more has presented misrepresentations to the Bankruptcy XXXX XXXX South Carolina, XXXX XXXX XXXX XXXX in South Carolina and the XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina. The fraudulent loan modification enabled Rushmore to prevail in foreclosure proceedings based on the validity of the fraudulent document. I have attached documents to aid in the investigation of Rushmore 's intent to deceive and defraud the court to prevail during the court proceedings. There are questionable accounting records. For example, my mother did a loan with South Carolina XXXX XXXX in XXXX to cover her past due balance for close to {$30000.00}. South Carolina XXXX XXXX paid XXXX but there is no record of the accounting. The court case numbers are as follows : Court of Common Pleas ( XXXX, South Carolina ) Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina ) Case No. XXXX South Carolina Bankruptcy XXXX XXXX XXXX. XXXX
Product: Mortgage

Covid relief program with the mortgage company was supposed to postpone payments due to financial hardship, and now after program is over, mortgage company is tacking on XXXX dollars to your bill. And on top of it, extending your maturity date by 10 additional years, charging 10 more years of payments and interest. This is not a relief, this is not help!
Product: Checking or savings account

On XX/XX/2023 got an offer in the mail for a pre-approval from capital one, when I went online and filled everything out it was an error in the system that caused the page to go down. When I called in to try to get same offer the original offer was tweaked and different from in mail. I explained that to customer service on XX/XX/2023 and I was hung up on but before that I was called XXXX and told I'll never have a good credit score in life
Product: Mortgage

On XXXX XXXX, XXXX we filed for chapter XXXX bankruptcy which included a large number of mortgage payments. In XXXX XXXX, I received a copy of a motion for relief from the automatic stay in the mail. Nationstar mortgage was asserting we were 3 months delinquent. This came as quite a surprise to me as our first post petition payment was due XXXX XXXX and we had made a payment in XXXX and XXXX. There was one payment not made because Nationstar insisted we had a different post petition start date than I thought and that we were ahead by one payment. I contacted Nationstar almost daily from the date in XXXX I received the motion until the first hearing in XXXX on the motion. Each time I talked to them they told me the payments were there in the unapplied funds account and that they were n't being posted because my post petition payment was less than my pre-petition payment and the system was n't recognizing it as a full payment. Each time they said they were forwarding a request to research asking them to apply the payments. I continued making payments and made a payment in XXXX, XXXX ( which cleared first week in XXXX because of the holiday ) and XXXX. The first hearing was continued because Nationstar 's attorney 's had been unable to reach them to discuss the proof of payment I had sent in. A follow up hearing was scheduled with the same result. The hearing was then continued to XXXX XXXX XXXX. At that hearing the attorney for Nationstar stated that they had accounted for all payments but one - which would be the one Nationstar 's reps insisted I did not owe due to my first post-petition payment due date. The hearing was continued yet again for another two weeks. My attorney had stated that if I did n't have evidence of the one remaining payment that we would be able to do an agreed order and make that payment up over 6 months. The next thing I knew, I got a copy of an order in the mail from the Trustee stating my attorney had erroneously withdrawn our objection to the motion to dismiss and the motion had been granted. When I asked my attorney how they planned to correct this error they indicated they would reach out to Nationstar 's attorney and try to get them to work with me. Now, the attorney is coming back stating I owe payments for XXXX XXXX through XXXX XXXX. The payments they had previously acknowledged as received, they are now stating are delinquent again. Nationstar is clearly not applying payments correctly, timely or appropriately. They erroneously filed for the motion for relief when I was never 3 months delinquent and I am now fighting against foreclosure. To add insult to injury, they want me to cure all post petition payments ( which I have already made and provided evidence of, exlusive of one payment ) but also to pay their attorney fees when they never should have filed the motion to begin with and they still seem to be incapable of posting my payments. I am at risk of losing my house when I have made the post petition payments as agreed. I also fail to see how they can require me to pay attorney fees that should have never been incurred in the first place.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Good morning. My complaint is with the online banking company called Chime. About a month ago I was on vacation and I received an email saying that my account needed to be updated and I must provide them with the following information like driver 's license, social security card, proof of residence, like a utility bill, and proof of income. Also, I had a {$90000.00} deposit that I received from my XXXX the XXXX XXXX, and the rapid funds I sent to myself. I didn't immediately get the information to them, even though they said that I had 5 days to do so or my account would be locked. I have been with Chime for years and never encountered any issues. Also, this isn't the first time I've had a deposit of that amount deposited into my account. Two years ago I had an amount for maybe {$50000.00} deposited into the same account and there were no questions asked then and no problems. I made calls to Chime customer service pleading and many times complaining furiously about my account. Even after I sent them the information they sent me an email saying that they were unfortunately weren't going to be able to unlock my account with the information I had provided. I am the only person on this account. I don't understand why am I explaining the large amounts of money deposited into my account which is nothing new, and how I am using it. When I tried to call and speak with them now I'm just getting the run around. The XXXX of the month is coming up and I have rent and other bills to pay. I don't want my family and I to be outdoors because they want to be different. I sent one last email pleading my case three days ago and they still haven't responded back to my email. I have over {$47000.00} in my account and I told them before that I wasn't leaving it. I now turn to you guys for help in quickly resolving this matter. Thank you.
Product: Debt collection

I was trying to co-sign on a loan with my son. The bank loan officer said my credit was bad because of a debt collection from The Rose Agency. The debt was apparently from XXXX XXXX. When I call XXXX XXXX they have no account for me. When I call The Rose Agency they say they have tried to get confirmation from XXXX XXXX XXXX times. No one answers their requests. Neither company will do anything to take care of the matter. The Rose Agency person hung up the phone on me. My husbands account was absolved and that is the only communication that I have. No bills from either company. I finally got some information from the Rose Agency but XXXX XXXX did n't have any information. The Rose Agency says I have a bill from XX/XX/2011 and that I had XXXX Service for 3 months with an early termination. Also they say no payment was ever made. After five phone calls they gave me more information. An account number, a telephone number that I had at that time, which was XXXX and an amount owed of {$500.00}. XXXX could not find any of this information. Why does The Rose Agency have this information and not XXXX XXXX?
Product: Credit reporting or other personal consumer reports

Call all the accounts to ask for proof that I opened the accounts. I called the police to try and make a report but I was told to call the credit bureau to report fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 IT also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit account under an open-end consumer account plan as late payment for any purpose
Product: Mortgage

A problem ultimately of Roundpoint 's making ( which I won't get into for the purposes here ), Roundpoint attempted an ACH on an account with insufficient funds. They told me that they would not charge me a late fee themselves, but they would pass along any late fee from the checking account holder ( XXXX XXXX Roundpoint has assessed a {$20.00} fee against me, claiming that XXXX has charged them for the ACH bouncing. 

I called XXXX, and they told me that they did not charge Roundpoint over this matter ( or any matter ). They also confirmed the ACH third-party did not charge them either. I asked for documentation on this matter, and the best they could offer is the general policy info. Thankfully, it is very clear : On page 1 of the attachment, under the bolded section header " Elimination of Return Deposited Items Fee '' it states : " Were no longer charging a Return Deposited Items fee. '' So, either XXXX is lying or Roundpoint is. Frankly, it seems clear to me that it is Roundpoint.
Product: Credit card or prepaid card

On XX/XX/21, I filed a dispute with Target Red Master card against a surgical center by the name of XXXX and XXXX XXXX. I initially filed the dispute because of an extreme botch surgery on XX/XX/XXXX as well as being over charged. I tried to reach out to the merchant to resolve the issue and get clarity during the healing process, but the company was of no assistance. Since the dispute process has begun, the target Red card dispute department has done nothing to investigate the case. I have called over 20 times to follow up, sent multiple documents/photos/emails and have not gotten any update on the dispute. The proper protocol is for the dispute team to contact the merchant and to provide a temporary credit while investigating, but none of which has been done. I finally got an email from the merchant stating that they would be willing to refund and I still have not gotten a credit from Target master card. The process should take no more than 60 days and it has been well over 90.