23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX Complaint First Complaint First complaint XXXX Wells Fargo XXXX XXXX - Incompetent And Dishonest The bank keeps me under threat of foreclosure despite the fact that I have made every payment billed in full and on time. There is about {$800000.00} in property equity. No doubt they would love to foreclose, steal my equity, and enjoy a XXXX profit. 

Loan payment calculations extort excessive escrow for upcoming real estate taxes. 
Monthly payment real estate escrow calculations are exorbitantly excessive. 
XXXX XXXX provided an estimate for its real estate bill for calendar year XXXX at {$400.00}. The bank has noted this amount in its escrow details. All prior year real estate taxes have been paid or refunded. 
The escrow balance is about {$10000.00}. Regardless, the bank charged me {$890.00} for real estate escrow on both my XXXX and XX/XX/XXXX payments. These excess payments total {$1700.00}. This XXXX times the total estimated XXXX real estate taxes due and adds to the high balance of misapplied escrow. These escrow amounts are higher than their monthly statements show. 
Before filing the first complaint, I made several calls to the bank to fix the escrow. They flatly refused to redo the escrow calculations. 

In the suspended payment balance, the bank claims a debt to me for real estate taxes already refunded by the XXXX in connection with senior real estate tax relief. The bank plans to get paid XXXX. 

As a senior, XXXX XXXX granted me real estate tax relief for calendar years XXXX and XXXX. Accordingly, the XXXX made the following refunds to Wells Fargo as the escrow agent : Calendar Tax Year XXXX Refunded {$5000.00} on XXXX XX/XX/XXXX Refunded of {$5300.00} on XXXX XX/XX/XXXX Calendar Tax Year XXXX Refunded {$5100.00} on XXXX XXXX Under the XXXXmnibus Federal Spending BilXXXX, beginning with the XX/XX/XXXX payment. mortgage payments were suspended. 
Each of the suspended payment includes real estate escrow amounts at about {$1000.00}. Despite being refunded, my suspended payment debt still includes relieved and refunded real estate escrow. 
The bank holds escrow balance XXXX, neither applying it to reduce the suspended payment balance or refunding it to me. As of XXXX XX/XX/XXXX, the bank reports an escrow balance is a {$9900.00}. This will increase by {$890.00} when my scheduled XX/XX/XXXX payment posts. As earlier noted, the loan statements and the online payment details differ. 

I asked the bank not to bully and coerce me about their other loan programs.The first step of their loan programs is to agree to let the bank decide which loan program, including surrender of the property for short sale, the bank thinks is best. The bank refuses to address any loan complaints without this agreement. The bank has already demonstrated incompetence and questionable integrity on my current loan. They can not be trusted. 
I suspect I am XXXX of many abused customers. 

Each week, the bank leaves multiple messages on my mobile, at my office, and at my home. They also texted me but I stopped those. I filed a formal written complaint. I expect a fully documented written response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I realize that there were some inquire that were on my credit report and then they were all deleted off and then all back onto my credit report without giving me the legally written notice that is required 5 days prior to them re-adding them. If Transunion had a computer glitch that 's TransUnion 's issue not mine. I did reach out to them on three ( 3 ) different occasion regarding this issue, once in writing and two times on the phone. I explained everything and asked them to delete the inquiries that they had illegally re-added. I am aware of the detriment of an inquires and the damaging affect of my credit score, I am upset that I have to even put in this complaint. Transunion is not about the consumer but about the companies that pay them to report derogatory information. My rights were violated by TransUnion.
Product: Mortgage

I hold a mortgage loan ( # XXXX ) with Bank of America. I have never missed a payment on my loan. My monthly payment has never been late. I received letter from Bank of America that says that my bank ( XXXX & XXXX ) has placed a stop payment on my monthly mortgage payment to Bank of America. I called my bank and they told me that there is absolutely no stop payment on my account. I called Bank of America. They gave me vague answers and could not explain why my automatic mortgage payment was stopped. They promised me that it will be corrected. I made that monthly payment over the phone. After one week, I received another letter from Bank of America that demanded payment from me and the letter threatened me that if I do not make payment I will be charged late fee and it will affect my credit score. I called Bank of America again and was told that I should ignore that letter. There is nothing I should do. I received another letter that says that they are unable to draw money from my bank due to stop payment. I called Bank of America again and they could not explain to me. They want me to setup automatic payments again, because they made errors. 
I feel that Bank of America is harassing me through this process. I have wasted several hours. The threatening letters actually are nerve recking. I suspect Bank of America is deliberately not fixing this problem and wants to charge me for their errors.
Product: Credit card or prepaid card

On XX/XX/2019, I purchased 4 XXXX cast iron camp griddles. I was billed on XX/XX/XXXX on my Chase card 4x {$89.00} for a total of XXXX. Over the next few days I tried to reach the merchant, and searched for tracking # s, all to no avail. 
I saw on social media that this was a scam, and contacted the XXXX XXXX directly and I was informed that yes, this was a scam. 
Around the XXXX of XXXX, I purchased more griddles from Amazon, and they were received without problems. I also contacted Chase at this point to have them removed the original charge for something I did not receive. I was told they would removed the charge and send info to their fraud dept. A few days later I checked my card online and noticed that the charge was back on my account. I called Chase immediately and was told that they had contacted the merchant, and the merchandise had been shipped and received. 
This person gave me the tracking # s and assured me that they had reached the merchant and had been told it was a valid charge. 
When we checked the tracking # s, I found that they had shipped a small package and had delivered it to my mailbox on XX/XX/XXXX. It weighed less than a pound. The griddles weighed 134 pounds. I realized that I had received this package. It contained 5 small plastic cards about the size of a credit card. I had no idea what they were and info on the envelope only said it was shipped from XXXX, but because I had saved it the tracking # matched what Chase had given me. Another tracking # said it had been delivered to someone in TN. I don't know anyone in TN. 
I have talked to 19 people at Chase, each time I speak with them they tell me they get it and will remove the charge, then in the next few days they repost the charge. Several of those people have admitted to me that they had no contact information for the merchant either. 
I have filled out and faxed a complaint form, including pictures of what was shipped to me. This week I talked to one person who offered me a {$100.00} gift card for my trouble. I turned it down, but it indicates to me that they are not being fair. 
I have had an account with Chase for many years, and have always paid my bill on time. I can't understand why they are taking a shady merchant side over a good longtime customer.
Product: Bank account or service

I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found XXXX reputable banks with good promotional offers that I could meet the requirements. One of these was Bank of America. They offered a {$300.00} bonus for opening a checking account and making direct deposits totaling {$4000.00} within 90 days of opening the account. I met the requirements within 60 days and even called to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because he confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was a targeted mail offer. There is nothing in the fine print that says this at all, and it was something I found directly on XXXX ( not through another page then to BOA, the search results went directly to the BOA splash page ). This is dishonest to promise someone an offer and deny it based on something that was not in even written in the offer. If they had in the fine print on the online offer that you must have received a paper version of this in the mail to be eligible I never would have opened the account!
Product: Checking or savings account

On XXXX XXXX 2022 my account was set to close because Wells Fargo claimed that the check from my job that I deposited using the mobile deposit feature on the app was a counterfeit check. I tried to verify that the check was not in fact counterfeit and my account was closed anyway. I wasnt able to access any of my money in my accounts and I couldnt receive direct deposits from my job.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. In my dispute letter, I explicitly requested that Equifax investigate these inaccuracies and provide me with the results of their investigation. 

However, I have not received any response from Equifax regarding my request, nor have I received any investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation. 

Equifax 's failure to respond to my dispute and provide the requested investigation results is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items. 

I am including a copy of my dispute letter sent to Equifax as proof.
Product: Credit card or prepaid card

I have lodged several complaints with Chime about a charge i have on my account and i have never received the items. 

Chime refuses to handle the complaint, within 12 hours of my initial complaint they advised me my chargeback was denied and they offered to send me paperwork on why it was denied, i requested this paperwork and it took them 4 days to get it to me, i have attached the paperwork to this complaint, their reason was they couldn't make contact with the merchant... this denial was within 12 hours of the chargeback initiating, how is it they couldn't make contact with the Merchant? 

I did advise them i attempted to rectify by the merchant was not responding and their webpage was no longer in operation, they still don't listen nor attempt to assist. 
All i get is generic scripted emails with no opportunity of resolution.
Product: Mortgage

My husband and I are divorcing and, as such, have mediated separation of property to our mutual agreement, including a home we purchased with a VA loan that ultimately was given to Planet Home Lending , LLC to service. 
My husband initially applied for a loan assumption in XXXX XXXX XXXX and since then has received additional document requests from the lender. While this is expected, the documents included requests for a " letter of explanation '' for variations of his name, i.e. explaining " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( he is XXXX and has four given names that have been used in given combinations by financial organizations or lenders prior ), documentation he has already previously provided, and documents such as " verification of rental '' after clarifying to the requestor that he has owned homes and has not rented in the last 12 years. 
As we are both veterans, he is requesting to substitute my VA Loan eligibility with his own ; unfortunately, it has become clear during calls to customer service and through emails from the lender that they have dated or outright inaccurate information regarding the VA loan process. This has become clear when on three separate occasions from XXXX to XX/XX/2023, we were told : a., he does not have the required entitlement ( he does, and has no limitations or caps on his eligibility according to his XXXX  ), that we, not the lender, are responsible for submitting documents to the VA to substitute eligibility ( according to the VA lender 's guidebook, this is to be done by the lender ), that we would not need to provide a quitclaim deed ( this is one of five items requested by the VA to process Substitution of Eligibility requests ) and that he or I would need to provide our certificates of eligibility ( again, VA guidance indicates the lender should request this document directly ). 
I have submitted a complaint to the company and personally talked with customer service at least three times, as no direct contact information for an assigned loan processor has been provided to us and we are afforded no other option for updates, questions, or concerns. 
Ultimately, we expected the process to take at least six months in line with reported timelines for assumption, we expected a series of requests for necessary documents, but it is our concern that Planet Home Lending is intentionally making the assumption process more difficult or generating additional requirements unnecessary to make their application determination to pressure us into a refinance or other more lucrative option. We have not received any indication of an application determination or pre-approval to date despite being six months into the process. Further, their apparent misunderstanding or misinterpretation of VA guidelines not only complicates the process for us, but potentially for other veterans who may follow us in their own assumption process.
Product: Credit reporting or other personal consumer reports

In XXXX or early XXXX, I financed a vehicle through XXXX XXXX XXXX XXXX. Due to unforeseen circumstances, I was incarcerated, and the vehicle was subsequently repossessed. This resulted in a charged-off account being reported on my credit report. As expected, this negative trade line remained for over seven years before being removed. 

Following my reintegration into society, I diligently worked to improve my credit standing, achieving a credit score of XXXX. Recently, I applied for a small, unsecured line of credit and was denied. This led me to discover the existence of ChexSystems and other consumer reporting agencies. 

I learned that XXXX XXXX reported an 'account abuse ' entry to ChexSystems in XXXX, more than five years after the vehicle repossession and account closure. This report cites a {$20.00} balance. I disputed this information with ChexSystems, but the dispute was verified. I appealed the verification and requested documentation, which was again verified. I then contacted ChexSystems directly to request documentation of the alleged 'abuse ' and their investigation process, but this request was denied. 

I believe this reporting may violate the Fair Credit Reporting Act ( FCRA ). It is concerning that an account closed over seven years ago and removed from the major credit bureaus can be reported years later to a less widely known reporting agency and verified as accurate. 

The account in question, which I believe was a required savings or checking account associated with the auto loan, was never actively used. It had no transactions, maintained a positive balance, and I do not recall explicitly opening it. I received no communication from XXXX XXXX regarding this account, despite my contact information remaining unchanged. The allegation of 'account abuse ' under these circumstances is highly questionable. I was unaware of the existence of this account. 

I respectfully request a thorough investigation into this matter and the removal of the 'account abuse ' report from ChexSystems XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a paid and closed account from my credit report with your company, as it is reporting inaccurately across the credit bureaus. 

The account in question is [ XXXX ], and it appears as a charged-off account on my credit report. However, I have noticed that there is a discrepancy between the credit bureaus. Specifically, on XXXX, my payment for [ XX/XX/year> ] is listed as being paid on time, while on Experian, the payment is reported as 30 days late. 

Given that the account has been fully paid and the discrepancy in how the payment was reported to the credit bureaus, I respectfully request the removal of this paid and closed account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the accurate reporting of my payment history. The discrepancies on my credit report could be considered a violation of the FCRA, which mandates that all information provided to the credit bureaus must be accurate and complete. 

I kindly ask that you review the information regarding this account and take the necessary steps to update the reporting, including removing the paid and closed account entirely. If there is any additional information or documentation needed from my side, please let me know, and I will provide it promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration.
Product: Mortgage

The mortgage offered Covid relief and did not disclose the balloon payment.and refused to extend me loan modification. I received a modification in 2018 and according to them the investor allows one modification for the duration of the loan. 
I requested a current mortgage statement but they will not release the current mortgage statement. I explained that current mortgage statements is required by Georgia XXXX XXXX in order to receive aid. 
Instead they have placed my home in foreclosure using fraudulent assignments that have well known robo signer. I have sent QWRs twice this year and neither have been resolved. Im over XXXX  years and they have clearly taken advantage of me by not advising me about the year deferment. Theres no way I would have accepted this if I would have been given the all of the facts. 
The assignment are definitely conveyed after the cutoff date of the trust that filed with SEC. This loan was also apart of the global wide settlement.
Product: Mortgage

My mortgage was recently sold last year from Americas Servicing Company to XXXX, and during the transition ASC filed a foreclosure on my home while they were not servicing my mortgage and as a result this negative and derogatory information is plastered all over the internet for my home address of XXXX, tn XXXX as well as public records. The fact that my home did not foreclose, and is not in foreclosure and ASC reported it as a foreclosure has posed a problem for me that is very embarrassing and now my employer is asking questioning me about it. I feel that ASC should erase this information from my address. I am so upset, I can barely sleep all night. This is hard to deal with and I need your help in getting them to make the corrections to this problem that they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to XXXX, Equifax and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
Product: Checking or savings account

I opened a business bank account online with Chase Bank. The account was opened and I set up online banking. The same day I received an email stating that my account was locked and to call for verification. They said that theyneeded to send a text to my number but never received the text. They said that I would need to come into the bank to verify my identity. I was told that I had twn days to come in or my account would be closed. I went into the bank and was told that they had closed my account already and I came in within the ten business days. I was told to call a number. I did and again, they told me to go into the bank. I told him I am at the bank. The teller stalled and did not want to call the number to open my account. I then said to call the number, about thirty minutes passed and he called the number and they told him to ilopen my account. He starts asking me questions which was already verified. Then he said he had an appointment and that I would have to come back tomorrow. I made the appointment but felt un easy going back to him so I went to another branch. Ther person who was set to help me said that he had 40 kinutes to his next appointment. He called and was a quick call and he told me the same thing, that he would need to make an appointment to help me. I started to feel uneasy. No one was in the bank and it was very quiet. Istarted to feel uneasy again, so I stated that I felt discrimination against because the same thing was happening with the other representative. He said well let 's make an appointment. What day do you want to come in? I said Monday. He said, well my schedule is full for Monday. I said I was going to call and make a complaint. I called thebank and was transferred several times, was told I should speak to several different people and finally my complaint was taken. I was also given the number to an executive director who never returned my call. I apllied for another bank and was denied for verification as well. I believe there is a flag on my profile now because of this.