23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a checking account with HSBC and provided all the requested information. They approved and opened my account and I deposited {$2000.00}. I did this in part because of their sign-up promotion : they promised I would receive a {$350.00} sign-up bonus for paying XXXX bills/month from the account for 3 consecutive months within 120 calendar days of account opening. 

I setup auto payments to fulfill the bonus requirements, which started for the first month. However, then I received a physical letter from them that they would be closing the account unless provided with more information. Since I was n't home at the time, I did n't see it, and then I received a note that my account was closed and that I could wire out my {$1900.00} remaining balance or wait to receive a physical check on XXXX/XXXX/16. 

They also blocked my online banking account so that I could not transfer my money out, so I decided to just wait for the check. However, when I called them XXXX/XXXX/16 to inquire about where my money was, they told me that my account was no longer closed after all ( while acknowledging the earlier communications they sent indicating that it was closed ). So no check was mailed and the money was still with HSBC. I tried logging in again and was still blocked, so I had to call back and wait on hold until they gave me access. I also realized that they had " closed '' my account for so long, it would not be possible for me to fulfill their bonus requirements. 

So I decided to close my account because of their repeated efforts to prevent me from accessing my own accounts and funds, thereby also making it impossible for me satisfy their sign-up bonus requirements. However, when I called their customer service on a weekday afternoon during their business hours, they put me on hold for nearly 30 minutes and refused to let me close my account. They finally told me to call back another day because I 'd been on hold for so long they were about to close ( this was on a call to HSBC on XXXX/XXXX/16, with reference # XXXX ). 

HSBC encouraged customers to sign up for a checking account to receive a bonus, blocked access to my account for long enough to ensure the bonus requirements could not be achieved, promised to close the account and return the deposited funds - but then withheld them and reopened the account so that I would unable to access my funds for over two months while also not being able to benefit from their sign-up bonus, and refused to allow me to close my account and withdraw the funds. This was intolerable behavior, and I 'm writing in the hopes that the CFPB can help me get my money back and force HSBC to pay some type of reparations for making their {$350.00} bonus impossible to receive, while holding my money against my wishes. 

Thanks so much for your help.
Product: Credit card

I never applied for a SYNCB ( Synchrony ) credit card and they are showing an unauthorized inquiry on my XXXX credit report. I did not make this inquiry nor did i authorize it. please remove your reporting from my file immediately.
Product: Checking or savings account

This company is creating false statements and headed towards legal ramifications if they continue to make incorrect financial statements. I did not nor was I in possession of an account starting XX/XX/XXXX. My account was not started until XX/XX/XXXX with Money Network they are totally falsifying my report and bank history. The incident in question was on a date I was not at any bank so it would be hard to place me at two places around the same time. Money Network allowed for my personal information to be changed twice by way of the same incident and also stated the opposite and also closed out my account for security precautions due to it being out of pattern. This company also never did an investigation into who did a transaction using my information on the XXXX of XX/XX/XXXX. They need to show proof I did a {$8000.00} transaction on XX/XX/XXXX or face wire fraud charges if not reimbursed for breach of security. They never even provided a provisional credit that was stated during the report of fraud on the phone on XX/XX/XXXX when I reported someone had been hacking into my account doing information changes without my knowledge. That was someone skimming my card information and also changed the phone number on my account to one they have never told me about. They are scamming people out of their funds.
Product: Checking or savings account

Our mother is a victim of XXXX XXXX, and was scammed out of {$50000.00} last XXXX. 

On XXXX XXXX XXXX my wife, mother and I went to the local Wells Fargo branch in XXXX XXXX, AZ to withdraw the remaining funds in her account. My wife was added to her account. We were told an alert would be placed on her account, and that my wife would be notified if any transactions over {$2000.00} occurred in either her Checking or Savings accounts. 

On XX/XX/XXXX we received a call from a WF office in XXXX XXXX that a check was being cashed for {$4500.00} and my wife was able to decline the transaction. 

About a month ago we were notified all her money is gone. We went to the branch and the same representative felt sorry and submitted an escalation as to why the alert didn't work. 

We received follow-up calls from WF, and their decision was that an alert was never in place. 

This is not true, and we would like this investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit Reporting act XXXX Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a account without my written instructions
Product: Payday loan, title loan, or personal loan

XXXX ) For 11 months they have not been applying any amount to the principal, they have been taking the {$170.00} payments and applying them all to interest. I tried calling the call center to request assistance, who told me i had to visit the offices. When i visited the offices they told me i had to call the call center. Which i did once again and in multiple instances. Then they said that this is due to the payment extensions ( They offered payment extensions for 3 months which I did in XXXX, XXXX & XXXX of XXXX ) this was offered because of the COVID emergency. I would understand if they did it for 3 months, but 11 months is basically a year which i have been paying only interests. Because of the emergency i did request the extensions they were offering because i could not pay for that months and i specifically requested to know what were the repercussions of getting these extensions and what they told me was that those months would just be moved to the end of the payments, so I would complete my loan payments 3 months after the original end date. If this situation is truly due to these extensions then they lied when i asked what the repercussions were for having them. This still would not explain why this has been happening for 11 months, which I believe is just stealing. 
XXXX ) I asked for an amortization table which they provided and it clearly shows a difference on how the interests are supposed to be charged vs the interest they have been charging me. With these types of loans, payment amount towards interests go down and payment amount towards principal go up. This is not what they are doing and they sometimes apply a very small amount of the payment to the principal and the majority of the payment on interest. This way i will never complete payment on this loan. I have tried on several occasions to speak with someone but they just say that I'm in the wrong without even attempting to understand what I'm saying, and that their system is correct. I just feel like they are trying to steal my money and lying for their financial gain. This loan was done on an emergency situation and i feel like they are taking advantage of that. 
XXXX ) On their tables ( attached ), they say that they will charge me a total interest of {$5600.00}. As of XX/XX/XXXX they have already charged me {$4200.00} in interest ( again per their table ) this would mean that when i am charged the remaining {$1400.00} of interest they should not charge me additional interest and the full amount should go to the principal, which i doubt will happen. This loan was made in XX/XX/XXXX for {$5000.00} and they allege that as of XX/XX/XXXX i still owe {$4200.00}, with payments of {$170.00} that just isn't accurate at all. 
XXXX ) They have a unusual way of calculating interests, while talking to the different institution employees i receive inconsistent information as to how they accrue the interest which is very alarming to me.
Product: Mortgage

Despite having a good-standing Home insurance on file with the Bank, I received an email saying that they don't have it and I was threatened that they will use their " All-assuming '' authority to get an insurance which feels convenient for them and it might result in me paying more and worst of all- it won't give me the benefits of a regular policy, despite costing more.

1. How was this email sent to me despite having paying EVERY-SINGLE-PAYMENT on time and paying for the insurance, before time and following the process already?

2. Has Wells Fargo still not learnt how to handle sensitive customer data? Is this a new mix-up where you were attempting to open/modify new accounts in my name as you did in the past?
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within XXXX business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to Experian, XXXX and XXXX previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of Experian, XXXX and XXXX investigations, Experian, XXXX and XXXX stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, Experian, XXXX and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, XXXX and XXXX are required to ... promptly DELETE all information which can not be verified.
Product: Debt collection

There is an item placed on my credit report by Collection Services of  XXXX collecting for the original creditor : XXXX XXXX the alleged balance is {$210.00}. I am not aware of this account, I have no knowledge of it. I never received a notice from this company, written or otherwise in regards to this debt, they just placed it on my credit reports without my knowledge, nor was I given the opportunity to dispute this alleged debt pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act. I was denied my legal rights by federal law.
Product: Prepaid card

I submitted several online support requests and rarely get a response, then I'm told they can't help me and give me no info or recourse. I'm told I need to verify my account, but they just ask for me to submit my giftcard info which I've done several times.
Product: Credit card or prepaid card

I wasnt able to pay online to a family member. Also trouble being accepted at atm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with experian since I did their free trial and then one of my credit cards gave me a free account with them.they dropped my score and told me to fix it I needed to pay the XXXX dollars a month.XX/XX/XXXXI got email.says that my score was ready went into to check, it said that I had a credit increase of XXXX points and went from good to very good, then 30 seconds later says I dropped XXXX points, so I went up XXXX  and dropped XXXX all in the same hour, I have excellent credit, a very Stellar payment history excellent I am very responsible with all of my credit cards make multiple payments per month and never carry a balance my XXXX and XXXX  is XXXX I do realize that they're not to be the same as the other ones but I have never seen a score go up and then go down all in the same hour of the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My Name is XXXX XXXX XXXX dob XX/XX/XXXX, I have ordered my credit reports from all 3 Bureaus and ordered a personal background check on myself on or about XX/XX/XXXX and found a Judgement was filed in my name and does not belong to me. I have made contact with the Attorneys and provided more than sufficient proof to have it removed from my name and my property and they simply stated, you can just have the creditors contact us and we can tell them its not yours, the Doket # is XXXX FILED ON OR ABOUT XX/XX/XXXX. This has had a negative impact on my credit score and I have been desperately trying to remove it. NO luck, The collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX I have been in touch with XXXX, XXXX and Today XX/XX/XXXX XXXX XXXX. I have provided everything to clear my name and yet its still out there wrong public info. Please help me remove this from my record my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I've sent disputes regarding to those unknown and inaccurate account I found on my credit report. but, It's 60 Days now I haven't received any response. I'm a victim of Equifax Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.
Product: Payday loan, title loan, or personal loan

HELLO, MY NAME IS XXXX XXXXSMALL BUSINSS LOAN, HAS CALL ME.TODAY, SAID THAT I HAVE A ... LOAN.I KNOW ANYTHING ABOUT THIS.CAN YOU PLEASE HELP ME...
Product: Student loan

I am currently in a status of repaying my loans and I noticed that my overall loan amount is increasing after each payment ( I have been monitoring the increase for the last 3-4 months ) I am currently under one of the payment plans which is supposed to provide me with a lower payment and over eliminate any future balances after 25 years. I contacted the Navient rep., who stated he would have someone from the Student Advocacy team give me a call and to date no one has called me. This call took place the end of XX/XX/XXXX. 

I asked the team lead or manager to explain to me that if my payments are not reducing my balance then what benefit am I receiving of being on the payment plan. For example, if my balance is XXXX and it keeps increasing with my payment arrangement then within 25 years I am wondering what this balance would be and the payment amount. It does n't make sense to me and he was not able to explain only to tell me the over balance of my loans which I already know is at an all time high of and is increasing each month. It also appears that my private loan interest rates have changed based on my profile. 

I would really like some assistance and explanation. I pay my loans on time and I am trying to minimize my balance not increase them. If this is not the correct plan to help me move toward the goal then I would think Navient would have a better solution that to keep in embedded in debt. It appears the representative are not well diverse in answering questions.
Product: Payday loan, title loan, or personal loan

I open this loan account around XX/XX/XXXX I was told by one of their employee I will be able to do a early payoff, and wont be change all of the interest that shown, I sign up to paid once of month On XX/XX/XXXX I ask for my paid off to pay this loan off after making a regular monthly payment and was told half was going towards the principal plus I paid XXXX extra I borrow XXXX dollars very lil was put towards my borrow amount that's when I decide something wasn't right called back the next day ask what was my pay off the amount was very high after all this I view BALANCE CREDIT rating appear I'm not the first one that had this problem I wish I could have check before opening this account this loan company need to be investigate and reported Thanks
Product: Mortgage

I have loan account with PHH mortgage company with the loan number XXXX. 
First installment was on XXXX XX/XX/year>. This was paid on the same date and was confirmed by PHH. However, the company confirmed that they have transferred this loan to a new company called XXXX effective from XXXX XXXX. 

However, the new company claims that they have taken over the loan servicing and I need to pay them the first XXXX of XXXX XXXX which I have already paid to the PHH. 

It looks like PHH have transferred my loan to new servicing company but have kept the XXXX money that I paid to them with themselves. 

Now when i enquire about this, they don't seem to be taking responsibility of the issue and not paying the money to XXXX or communicating the details regarding the payment.
Product: Checking or savings account

Well fargo bank I was over charged I had deposited a check for XXXX dollars and didn't even get half of my money back because they charged interest and other fees
Product: Credit reporting

After seeing my credit report this week I discovered a false delinquency. On XXXX XXXX XXXX I signed. 13 month lease with XXXX XXXX XXXX. 
After being told my XXXX job was being eliminated in XX/XX/XXXX my landlord had me sign a release from the final 3 months of my lease. 
I moved out of state on XXXX XXXX XXXX leaving my forwarding address in XXXX. Since that time XXXX XXXX XXXX NEVER contacted me about any delinquent charges. On my credit report they charged me for XXXX and XXXX rent plus {$900.00} in damages. 
I have made XXXX of attempts to contact them to discuss the situation. I havre been ignored. 
I am seeking a legitimate and fair way to resolve the situation. Can you help? 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I ask at this time to terminate the lawyers that you hired to process a summary judgment against me, as this firm simply violated my right by not serving the necessary complaint. I am open to negotiate directly. Please feel free to call me directly, and leave a call back message in case I can't answer. I did call in with an agent and was given three different settlement offers, so your company is open to this. I also requested a true copy original of the Bill of Sale, showing true ownership of the debt. XXXX XXXX
Product: Checking or savings account

Had a unexpected charge hit my account for XXXX while overdrew my account {$1.00} and was pending. I transferred money into the account that evening when I checked my account. Again while the XXXX charge was still pending. But they didnt post my transfer till the next date.. again even though it was pending still when money transferred. Then the charged me a overdraft fee of {$35.00} for the {$1.00} overdraft even though the funds were transferred prior to posting.then as a result of the {$35.00} charge a small charge the next day hit of about XXXX and they charged another {$35.00} fee. The next day charge would not have overdraft XXXX if they had not charged the previous {$35.00} fee. Thus they cost me {$70.00} in fees for a {$1.00} overdraft that was corrected prior to posting. When contacted they just said the transfer wasnt dont till the next day, which is not true. It was done while the XXXX charge was still pending and not processed.
Product: Credit reporting

Last XXXX 2015, I was refinancing my home but because my credit file was freeze with Equifax and the process to remove my security was not as smooth as it should be. I lost the opportunity of a great offer. I tried to unfreeze my credit to the website but although i received an automatic message that it was unfreeze it was n't. On XXXX, I sent a letter with all the information required to unfreeze my credit and I received confirmation letter dated XXXX XXXX, 2015 that reads " the security freeze was permanently removed from your Equifax Credit file ''. Last week, I requested an educational loan, as a cosigner an Educational true XXXX XXXX Educational Financial Services. To my surprise, I received a letter from XXXX XXXX stating that my credit report was unverifiable. When I called them I was told that my credit has a freeze. I tried to contact Equifax but it impossible to talk to a Human Being or get past all the different telephones numbers and electronic phone prompts. My son needs this loan to paid for his tuition on his last college semester ( He is a XXXX on XXXX ). 
I fell hostage of Equifax. It 's my credit, I followed all their requirements to unfreeze it, I have written confirmation, and still I 'm not able to use my credit when I need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around approximately XX/XX/XXXX, I contacted Beyond Finance to assist me with consolidating my credit card accounts and possibly getting settlements with the credit card companies that would allow me to clear my credit of any outstanding balances. At the time that I contacted Beyond Finance, my credit was " excellent '', in the XXXX range, with no late payments ever. Beyond Finance instructed me they would take care of paying the credit cards, with me making one payment to Beyond Finance monthly. It was six months before Beyond Finance started making payments from the money I had sent them, leaving red marks on my credit for missing payments. My credit score quickly plunged from XXXX to XXXX. 

I made the decision to refinance my home to get the money to pay off Beyond Finance and asked them to send me a quote of the amount that would pay off my remaining balances on my credit report. They quoted me the amount of {$2400.00}. I sent them this amount immediately and it cleared my bank on XX/XX/XXXX. After multiple calls each week, 3-4 calls each week, Beyond Finance tells me 14 days later that they quoted me the wrong amount and that I need to pay them an additional {$500.00}. I paid the additional {$500.00} to them on XX/XX/XXXX. My credit is still showing a balance owed on one of the cards, XXXX XXXX, and Beyond Finance keeps telling me they will graduate me from the program once XXXX accepts the payment. This has been going on for at least two weeks and no payment is yet showing to XXXX to pay off the balance of {$130.00}. 

I feel Beyond Finance has scammed me and has definitely ruined an excellent credit for me. I am in the process of buying a home and want all of this to be settled as soon as possible, yet it appears to be stalled, despite me having sent them {$500.00} more dollars. 

Thank you for any assistance you can provide. I certainly don't want anyone else to have to suffer the stress and worry that I have suffered with this company.
Product: Credit reporting or other personal consumer reports

Someone has been using my personal information in an attempt to open up accounts in my name without my permission or knowledge.