23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have emailed Earnest twice to get my payment day shifted back by 2 days, but they refuse to do so. They say I have to go in and manually change to monthly, wait 24 hours, and then change back dates. It's not worth my time for something they could fix on their end in 3 seconds! See below for latest email I sent them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX PDT Can you move my payment date back by 1 day ( move to XX/XX/XXXX, instead of the XXXX ). This will help me align it with my paycheck that I get on the XXXX. Please don't tell me I can do it myself. I want you to do it for me. I know you have the capability. Consider this message my formal written request. 
Please keep passing this up the chain of command until it reaches someone that can fix it. 
Sincerely, XXXX XXXX
Product: Mortgage

I refinanced my home in XXXX and the new mortgage closed in the beginning of XX/XX/2020. In order to close my new loan, I had to deposit almost {$17000.00} into my escrow account to pay the costs. The money was to be returned to me once my new loan was funded. The money should have been sent to me in check form. Dovenmuehle Mortgage send the original check to the incorrect address. As a result, I had to wait a month before the company would issue a new check. On XX/XX/2020, I called Dovenmuehle Mortgage and the representative said that the new check was begin processed. I waited. I called again. I waited. I called again. Finally, on XX/XX/XXXX, the supervisor XXXX told me that the check would be two-day aired to me. On Thursday, XX/XX/2020, no check. I called again on XX/XX/2020 and spoke to XXXX. She said the funds were not available and she would track everything down and call me back. No call. Today, I spoke to XXXX, who said that there was no movement on my check. She said she would transfer my call to XXXX. The call was dropped. Dovenmuehle Mortgage has violated its protocol by not getting the money to me. When I asked for the money to be wired, no response. At this point, I have spent over 10 hours trying to get a resolution. Dovenmuehle Mortgage does not make its managers available to customers so there isn't any way for me contact a person with power. I need your help as I need my refunded ASAP!
Product: Mortgage

XX/XX/2024 : SPS claimed that I have a mortgage of {$660000.00}, alleged monthly payment of {$5400.00}. 
They once again charged me {$5.00}, for paying this monthly amount. I repeatedly asked them why they charge it, and they said it is for a service. I repeatedly asked what service that was, and they dont seem to have answered the question, and then repeatedly said it is a policy. I then asked what policy it was, if it was in the penal code, and where it is. They then apparently said that it was a policy for the company and its employees. I am not an SPS employee, so, SPS has confirmed, on XX/XX/2024, that I can keep my house and I dont have to pay them any money. I would like SPS to send they can send this to the address tied to the account a letter re-confirming this statement on the phone -- that I need not pay them any more money as I am not interested in their $ XXXX service, and therefore, that the {$660000.00} amount they stated is not tied to my property on XXXX XXXX XXXX 


They stated that even if I paid via their mobile app, then, I would still be charged this fee. Regardless, since I no longer have to pay any money to SPS, I am seeking that letter re-confirming I need not pay them any more money. I would also like a refund of all payments of {$5400.00} made to them as I do not require a service that charges me money to make payments.
Product: Credit card or prepaid card

XXXX XXXX I purchased a {$500.00} Gift Card from a local grocery store. I have the approved and authorization number showing the {$500.00} was added to the Vanilla Gift Card. After the XXXX XXXX XXXX XXXX XXXX XXXX tried to use the card and it was declined. I went to the Vanilla Gift Card website to check the balance and it kept giving me an invalid card number. I called the customer service phone number that is on the back of the card. Vanilla Gift Card customer service said someone else called concerning the account number that is on the card to be replaced. They supposedly lost the card. They gave me a case number and was informed I would receive an email from XXXX. It took 10 days for me to receive the email. I followed the directions in the email which I submitted front and back of gift card, the approved activation for {$500.00} and my drivers license. I have not heard back from them since I emailed them which has been at least 3 weeks ago. I called them today and was told it takes up to 90 days to hear back from them. Poor customer service. I just want my {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

There's an ongoing violation of RETALIATION of XXXX XXXX XXXX XXXX XXXX  USING MY XXXX XXXX UNAUTHORIZED THAT MY RIGHTS ARE FORFEIT AND MANIPULATE D
Product: Debt collection

I was called by the collection dept. of Schreiber/Cohen llc. XXXX, a nice female employee talked to me about payments that were past due, I informed her that i left a message at that office for a motion to continue because i would be out of state, she asked me why I said to visit my parents in Florida from XX/XX/XXXXto the XXXX and the hearing was for XX/XX/2018. She then put me on hold and the manager of the collection dept. picked up the phone he informed me that if i can go on Florida then i have money to pay my bill, I informed him that everything for the trip was purchased by my parents. He then said rudely that he doesn't understand, that he was going to look into my savings and stocks and bonds to see if i had money to pay the bill, and even investigate what kind of care i drive '' maybe I drive a new XXXX  '' he said. told him i have no savings and certainly no stocks or bonds that i was broke but i could meet him at any time besides XX/XX/2018.He said that if i didn't pay the whole back amount that i would not receive a motion to continue and that if i miss the hearing a bench warrant would be issued, he was incredibly rude i even told him that if we couldn't have a normal conversation that i would hang up and deal with the court and file my motion for continuance.
Product: Credit reporting or other personal consumer reports

This Complaint is against Transunion, XXXX, XXXX for Violation of the Privacy Act and Ignoring Opt-Out Request. 
I am filing this complaint against Transunion, XXXX, XXXX due to their repeated violations of the Privacy Act and their failure to honor my opt-out requests for Marketing communications. These actions have caused significant distress and a breach of my privacy. 
a. ) Unauthorized Sharing of Personal Information. 
On multiple occasions, Transunion, XXXX, and XXXX has shared my personal information with third parties without my consent. Specifically, I have noticed an increase in unsolicited marketing communications from companies i have no prior relationship with, which indicates that my information has been shared without authorization. ( Specifically, my name, address, phone number, and email address ) b. ) Failure to Provide Access to Personal Information. 
I requested access to the personal information Transunion, XXXX, and XXXX holds about me, as is my right under the Privacy Act. However, my requests have either been ignored or insufficiently addressed. 
c. ) Inadequate Data Security Measures. 
I have reason to believe that Transunion, XXXX, and XXXX do not have adequate security measures in place to protect my personal information, as evidenced by the unauthorized sharing of my data. 
XXXX. ) Ignored Opt-Out Requests Violation I have repeatedly requested to opt-out of marketing communications from Transunion, XXXX, and XXXX XXXX but these requests have not been honored. Despite multiple attempts to opt-out through various provided channels, I continue to receive unwanted communication. 
e. ) Misleading Opt-Out Process. 
The opt-out process provided by Transunion, XXXX, and XXXX is misleading and difficult to navigate. There is a lack of clear instructions, and the process seems designed to discourage consumers from successfully opting out. 
f. ) Impact on Me The violations committed by Transunion, XXXX, and Transunion have caused me significant distress and inconvenience. the Unauthorized sharing of my personal information has led to an influx of unsolicited communications, which disrupt my daily and compromises my privacy. Furthermore, the failure to honor me opt out request demonstrates a biant disregard for my preferences and rights as a consumer. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Product: Debt collection

Midland Funding XXXX XXXX has been filing court actions against me for the last 10 years to garnish wages for a bill they claim to have sued me for in court to collect in XXXX County on XX/XX/XXXX. However, I never received a notice stating I was being sued or have any idea what this bill is even for or I would have shown up to contest it in XXXX. 

When I initially received the court order for garnishment, I believe it was in XXXX. I thought it was some kind of mistake and ignored it because I had never worked for the company they were trying to garnish wages from ( I believe it was a grade school in a part of the state I've never lived in and quite far from my address ) and had no idea what it was for. 

Then about a year later I received another order for garnishment, naming a company with a similar name to the company I was working for at the time with a different address so again, I ignored it. I lived at the same address from XX/XX/XXXX until XXXX of XXXX, and was working or in school the entire time. My wages were never garnished, and never received further or any other form of communication from them. 

I moved to XXXX  XXXX, WI in XX/XX/XXXX and have been living at the same address since then. In XXXX of XXXX my mom contacted me to let me know there was some important looking mail addressed to me with her address so I had her mail it to me. To my shock, it was another XXXX County Circuit Court garnishment order from Midland Funding, and this time they had the correct company and company address. 

In addition, the initial amount owed in the judgement was approximately {$1800.00}, and they have been charging me " unpaid post judgement interest '' since then totaling {$2100.00}, which is more than the initial judgement itself. Then they tacked on another {$120.00} for what they called " estimated costs of garnishment '' for a grand total of {$4100.00}. They started garnishing my wages on XX/XX/XXXX and over three months received {$2500.00}, then they stopped garnishing my wages after XX/XX/XXXX so I thought it was done and they didn't charge me that much interest. 

In XXXX I receive another XXXX County Circuit Court order for garnishment, again mailed to my mother 's address, claiming I still owe them an unpaid balance of {$1000.00}, interest charges totaling {$490.00}, another charge for estimated costs of garnishment of {$120.00} for a grand total of {$1700.00}. Which means they are continuing to charge me interest, and these extra fees, which I believe is against Wisconsin law. 

I received yet another court order from XXXX County Court in XXXX of XXXX from Midland Funding, with the unpaid balance now at {$1200.00}, unpaid interest totaling {$500.00}, estimated costs {$120.00} for a grand total of {$1800.00}. How does it go up by {$51.00} between XXXX and XXXX, then go up by {$140.00} between XXXX and XXXX? They are just throwing whatever amount they want on top of what I still owe them, and what happens in 3 months if it's not all paid? The only reason I was able to pay $ 2500+ was due to the amount of overtime I was working at the time which is no longer available.
Product: Credit card or prepaid card

My Belk credit card which I have used in frequently over the years now has a balance of {$1600.00} I opted for paperless billing I also opted for auto pay each month. When I call the company to find out why my bill was {$1600.00} I was told I needed to be transferred to another department or call another number that belong to a company called Card Services. I contacted someone at that number and spoke to a person that told me I was being billed every month for a service that I did not know about nor did I agree to apparently this occurred in XXXX. When I explained the situation to the representative and told her I was not aware of this service and did not agree to it she was able to extend a credit to my account of {$300.00}. When I told her there was no way I was going to pay for something I was not aware of according to the company that was billing me on my bill credit card this service included some sort of reimbursement if you should become unemployed. I became unemployed in XXXX if I was aware of this service I certainly would have looked into it and possibly used it. The representative I spoke to told me that was the highest amount she was allowed to credit me in order for me to get reimbursed for the other charges my keys would have to be escalated and sent to an escalation team. I was informed that someone would be in touch with me within seven days which did not happen. I also informed the representative that the charges needed to stop in mediately This was in XX/XX/XXXX I have called several times every month trying to speak to someone and was promised someone will get back to me. I am a senior citizen living on a fixed income at this time I can not pay these charges that I did not know about nor did I ask for I dont know how to proceed at this point. I am requesting guidance or suggestions on how to proceed to resolve this this will ruin my credit because I can not continue to pay. 
I have never spoken to anyone at Card Services regarding this supposed benefit.
Product: Credit reporting 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. 
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, 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 more than seven years.

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

XXXX XXXX is both identfied wrong on my credit file it should br XXXX XXXX not XXXX  the correct listing is XXXX XXXX and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks
Product: Credit card or prepaid card

I have had problems with my BJs Mastercard credit card serviced by Comenity Capital Bank since their XX/XX/2022 software change. The first problem was that my credit card was denied during my XX/XX/XXXX vacation that their Customer Service attributed to the recent software change and took a couple days for fix the problem. Since that time I have consistently had problems receiving my Awards dollars ( or XXXX XXXX  ) when I make purchases at various BJs locations. My current Awards dollars ( or XXXX XXXX  ) balance as of today is {$230.00}. It's impossible to reach a live person via their XXXX XXXX at XXXX as I've waited XXXX minutes multiple times before giving up. I have also sent multiple Secure Messages via the BJs/Comenity website and received back non-sensical canned responses. For months the following has been posted under their Awards tab : " Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. '' I have repeatedly requested a {$230.00} credit be added against my credit card balance with no response. I will be paying my remaining balance in XX/XX/2022 and will no longer use this credit card until BJs/Comenity fix problems.
Product: Credit reporting or other personal consumer reports

Please see below! It has been over 30 days since this investigation and still negative items still on report. I demand {$1000.00} for every violation of the consumer report!
Product: Student loan

10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.
Product: Student loan

On XX/XX/2020, around XXXX XXXX MST, I called University Accounting Service LLC ( my private student loan servicer for my loan under XXXX - XXXX ) at ( XXXX ) XXXX, expressing concern that all my statements are missing after they moved to their new online system/website at https : //www.uasconnect.com earlier in the month. The customer service agent said that this was due to the move to the new system and that my documents would be uploaded by the end of the week. The week ended yet the documents are still missing, as of today, XX/XX/2020 XXXX XXXX XXXX MST ). I genuinely wanted to review my statements to see clearly and in detail how my loan balance has changed in the last 15 months, but I am unable to do so and I suspect this is a violation of my rights. It has now been at least two weeks since they completed the transition to the new system, yet they still are not providing me current or past statements. I do not trust this company and do not wish to have to keep calling them for something as simple as my statements. Therefore, I am submitting this complaint to the CFPB as I am probably not the only person affected by this negligence. Because I do not trust this company, I hope that this complaint to the CFPB will get them to act more expeditiously to resolve this than they would otherwise.
Product: Student loan

XX/XX/XXXX received an offer to consolidate student loans at 3.75 % With American Education Services ( AES ) After 36 months of on-time payment the rate would drop to 2.75 percent. Even thought I made more the 36 payment time way before XXXX it was not given to me until I called in on XX/XX/XXXX. the balances consolidated were XXXX Subsidized and un-subsidized balance of XXXX. So I happen to check the month statement today and noticed balances of XXXX, XXXX and XXXX the monthly payment is XXXX XXXX applied to principal and XXXX applied towards interest. I called said this doesn't add up to 2.75 percent. They explained there is a daily interest rate added. That was not disclosed to me nor was it clear 33 year term to pay attached. This deceptive. Do not say 2.75 interest rate if there are daily rates attached just say so upfront. They failed to disclose this in plain writing for view. Looking at this now I am not getting 2.75 more like 40 percent monthly. Tell me the its 33 years or let me pick how many years I want to pay back. This is very deceptive to date I have XXXX and will not be finished according to schedule until XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Money transfer, virtual currency, or money service

I initiated a remittance transfer on XXXX and money was deducted on XX/XX/XXXX from my checking account. Its been more than 2 weeks and I have called the customer service more than ten times and every time they say its pending with verification team. Every time I hear the customer service they say its been escalated and will be taken care in 2 business days. No progress and the purpose of the transfer didn't serve. I'm not allowed to cancel the transfer and I have escalated the same to customer support but no resolution. 

I received this email after speaking with support and no progress after that - Transfer # XXXX has now been resumed and your recipient should receive the funds soon. 

Please review the bank accounts associated with your Wise account, and be sure to remove any details that are no longer active. This way, your account will be kept up to date. 

I literally requested to resolve this multiple times and the customer support acknowledged they don't have any control and all they can do is escalate the case. 
The purpose of the remittance is void. I would like my money refund and I have spent 7-8 hours and i want this to be resolved and the respective team should be taken with necessary action so they don't repeat this on other customers.