23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my third complaint to CFPD regarding this company, PHH Mortgage. My last complaint # is XXXX. To rehash the experience, I have been fighting with them since last XXXX because they assumed my mortgage from my previous company and paid my property tax without my authority, then placed me in an Escrow account I do not want and never asked for. I contacted their Customer Service several times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) but I was transferred from representative to representative and promised that I would be called back and never was. Finally, they sent me a letter in XXXX that said I qualified to be removed from the Escrow account. By that time I had already made several escrow payments and asked for an updated amount to pay off. They took their time sending me amounts owed, but by the time I'd received those amounts I'd already paid into the Escrow account again, so I'd ask for any updated amount. They do not communicate via emails, only thru regular mail or fax, which means their responses are always behind. 
Long story short, I received a letter from them on XX/XX/XXXX, dated XX/XX/XXXX, that said, " ... your request to remove the escrow of your property tax and/or hazard insurance from your load was denied because the following requirement has not been satisfied : You must not have been 30 or more days late in making any of your monthly payments. '' This is an outright lie. I have not had a late payment in years. YEARS. And I definitely did not have one the year prior to them taking over my mortgage, nor did I have one after they assumed my mortgage, and I definitely did not have one between the XXXX letter, when they offered to remove the escrow account and XX/XX/XXXX, when they sent this last letter. I have years of confirmation numbers to prove my payments have not been 30 days late and my credit score has done nothing but go up in the last several years. This is an outright lie they are using fraudulently to keep me in this escrow account. 
PHH Mortgage assumed my mortgage. I did not refinance with them. Shouldn't they be required to honor the mortgage contract they assumed which did not require me to have an escrow account.
Product: Credit reporting or other personal consumer reports

Have had my credit file frozen for " safety '' Applied for a new credit card and need to unfreeze the account Since I last accessed it, Experian has changed the log-in process ( it was formerly a long PIN number and your email ) It refuses to acknowlege either my older email associated with the account or, when I tried to log in with a new email, it tells me that that email is already connected to a different account. Calling them only connects you to a phone chat bot that can not fix the issue and will not allow access to a human to discuss
Product: Checking or savings account

As of XX/XX/XXXX, my funds held in Juno on line banking services have been frozen. Juno claims that this is a problem with XXXX XXXX  and XXXX and that they are trying to resolve their issues with their banking partner. XXXX  is also involved, but I do not know how. Juno claims that the funds are FDIC insured. I have {$5000.00} in the account that I can not access. There is no timeline for resolution of this problem
Product: Bank account or service

I received a coupon offering {$200.00} if I opened a checking account at Fifth Third bank. During the account opening, the banker informed me about services available like a complimentary savings and credit monitoring. I did not inquire about the savings because I did not have a need, but inquired about the credit monitoring. She then explained there was a fee and I informed her I was not interested. At the end of the process she provided me with a paper to sign acknowledging I was opening a savings account. I asked if this was required and informed her I did not want a savings as I did not have a need. She stated I did not need to open the savings and I told her I did not want one. A couple days later I called customer service as I was not able to log in online. After getting help from the representative I was able to log in. To my amazement it showed a closed savings account. I asked the representative if the account was ever opened and she kept stating it had been closed. The second or third time I informed the representative I knew it was now closed, and asked had it been opened in the past. She informed me it had been opened the same day I opened my checking and then closed the next day. This makes me very upset for several reasons : a financial institution account was opened without my permission, when I asked the banker I was lied to and told it would not be opened and it was, and when I asked the customer service representative days later ... it took me multiple attempts to get an honest answer that the account was indeed opened and then closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The starting balance on my loan was {$13000.00} XXXXI have reviewed all 3 credit reports for Westlake Portfolio on a closed repossession account that shows the current balance owed is currently owed XXXX. However I have contacted the company and they have also provided stated the owe balance is {$11000.00}. Upon further review of the XXXX page ledger at time of the charge off the balance that was owed is {$9700.00} with a date of XX/XX/2020. At this time my FCRA rights have been violated due to inaccurate information for balance due and credit reporting and I would like have this removed from all 3 credit bureaus.
Product: Debt or credit management

My account was settled in full over 9 months ago XXXXXXXX XXXX XXXX ) with Credit Corp Solutions. At the time the account was paid in full there was an overpayment of XXXX XXXX I was told once the payment was received, I would get a refund for over payment with in XXXX weeks. I have been told multiple times the check was in the mail and also at XXXXne time it would be EFT back on my debit card during one call. To this date I have not received a refund after many attempts to try and collect the over payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since opening my first credit account more than 4 years ago, neither me nor any lenders have been able to access an Equifax credit report under my information. On Tuesday, XX/XX/XXXX, I faxed requested identify verification information to Equifax which I was told was required to lift a security freeze on my account. On XX/XX/XXXX, I provided the same information again via phone/email as Equifax was unable to locate the fax. After Equifax received the requested documents, I was informed by the Equifax representative that there was never a security freeze on my account but that Equifax could not locate any credit history for me. This is despite the fact that I currently have 7 active credit accounts with lenders including XXXXXXXX XXXX XXXX XXXX XXXX and XXXX, and all 7 active accounts are currently reflected on both my XXXX and XXXX reports. Neither I nor any lenders have had any problem accessing my XXXX or XXXX credit reports.
Product: Debt collection

Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX usps tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX XXXX Department Of Edu XXXX Dept Of Ed/XXXX   XXXX
Product: Checking or savings account

I opened a business checking account with XXXX XXXX. The terms and conditions say that if I maintain an average daily balance of {$10000.00} or more for 90 days and complete XXXX qualifying transactions that I will receive a {$500.00} bonus. I deposited {$10000.00} on the day I opened the account in the branch and my balance never went below {$10000.00}. I completed XXXX qualifying transactions by making purchases with my debit card. On XX/XX/year> a {$300.00} bonus posted to my account. This is not what we agreed to. The promotional code was provided to the banker on the date of opening the account and I have a hard copy that was handed to me by the banker.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries from Midland Credit Management. XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. My Personal Information, i.e. my name Identification Number, Social Security Number and Addresses Identification Numbers, Type of Address, Geographical Codes. 
XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries, Consumer Reports, XXXX XXXX XXXX. My Personal Information, i. e. My Names Identification, my Identification Numbers, my Addresses, Type of family, Geographical Codes. One wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Type : single family Code : XXXX Address ID # XXXX with last 4 digit of zip code not my last 4 digit of my zip code. 

When I XXXX  the address it is a piece of land that I am being charged for on my XXXX XXXX County Property Taxes after A judge ordered XXXX Property Taxes Exempt to {$0.00} owed. 

XX/XX/XXXX a default Request, Affidavit, Entry, and Judgement ( Sum Certain ) 43rd State of Michigan Judicial District Judicial Circuit Court Plaintiff 's Name and address Midland Funding, LLC a.k.a Midland Credit Management, third party Withholding Unit Michigan Department of Treasury, XXXX Michigan - This was a case of Identity Theft that I have reported previously with your establishment for seeking to garnish my Homestead State Income Taxes return. XX/XX/XXXX court and Plaintiff Garnishee Disclosure from court SAME AS ABOVE for indebted for non-periodic payment. XX/XX/XXXX Writ of Garnishment from Plaintiff and 3rd party XXXX. My XXXX Michigan Homestead Taxes were garnished for XXXX and XXXX Michigan Homestead Taxes and Levied Taxes in XXXX return. I am a XXXX, XXXX Senior Citizen living on a below Federal Income Guideline and my home at the address XXXX XXXX XXXX XXXX, XXXX XXXX MI has been in foreclosure each year from my Homestead Property Taxes Return being taken from me because of Identity Theft and Fraudulent Activities since XXXX. I have received foreclosures since XXXX and XX/XX/XXXX, threatening to make me homeless and pay XXXX XXXX XXXX Taxes which I was told are controlled and managed by the XXXX County Treasure 's Office making continuous monthly payments on time and date of agreement. DHHS have agreed to assist in payments, however payment has not been received to date. I am waiting and thank you in advance for your investigation and resolutions in my favor.
Product: Credit card or prepaid card

This is a twofold problem with Macy 's Credit Card, XXXX having to do with an incomplete refund of a returned item and the other, also an incomplete refund of a returned item has to do with their Rewards program, which they call " Macy 's Money. '' The initial complaint has to do with my purchase of a dress on XX/XX/2022 for which I paid {$41.00}. Within a few days this same item was reduced to {$23.00}. When I attempted to get a price adjustment, I was told that because it was the XXXX day, I could not receive a price adjustment. 

I proceeded to return the item at {$41.00} and purchased the same item at {$23.00}, but Macy 's ONLY CREDITED {$23.00}, instead of the {$41.00} which I INITIALLY PAID TO PURCHASE THIS ITEM. Macy 's is enriching themselves by {$17.00} and their online credit card system does NOT allow consumers to dispute charges, which is discriminatory behavior against consumers. 

The other issue has to do with their rewards program, wherein Macy 's gives " Macy 's Dollars '' to their consumers to encourage them ( bait ) into buying more merchandise, but if you return the merchandise, they take away the {$10.00} " Macy 's Rewards '' even if your purchase did NOT total {$10.00} but may have totaled {$200.00}. This is a BAIT and SWITCH tactic, wherein they reel you in to spend your money, and entice you with a Macy 's Dollars, and they then take them away. I have an emailed chat conversation, which was very unpleasant, and the manager disconnected the chat without even advising the consumer she was doing so and REFUSED to reimburse the {$10.00} which they kept when I returned Macy 's merchandise. Whatever this practice is, please look into it, as I have had at least an additional {$30.00} of so-called Macy 's Dollars taken away once they are given. If you need a copy of that unpleasant chat, I have it.

I hope your intervention looks into these shady, bait and switch practices that Macy 's applies to their customers and also look into their credit card online services which do not allow consumers to dispute items, i.e. like the initial one noted at the beginning of my email. 

Thanking you in advance. 

XXXX XXXX XXXX
Product: Mortgage

I have previously submitted complaints against Ocwen Loan Servicing. My most recent complaint was XXXX, submitted last month. As interest has continued to mount as a result of their poor customer service, I was notified that my payment last month was being held in suspension. When I requested a new copy of the application for loan modification from a representative -who, AGAIN, was not my assigned relationship manager- the document was initially sent to an incorrect E-mail address, causing further delays. When I approached my attorney about the issues I 've had with Ocwen, I was told that I most certainly had valid complaints against the company, however, a lawsuit would cost time and money. Instead, I was advised that Chapter XXXX Bankruptcy would protect my house and allow me to begin paying back the past due amount on the mortgage, which is what I have been trying to do all along, but kept facing roadblocks from Ocwen. 

These past couple of years dealing with Ocwen have been extremely disheartening and stressful. While filing for Bankruptcy is embarrassing, it has at least provided me with some peace. Why should I have been forced to go this route? Why has n't Ocwen, despite their apologies, been held accountable?
Product: Credit card or prepaid card

Someone open and account in my name charged the max and then never paid. 

The account was opened XX/XX/XXXX by SYNCB/PPC the credit limit is {$3000.00} the high balance was {$3200.00} says the last payment made was XX/XX/XXXX
Product: Debt collection

I have reached out to XXXX many times to resolve this matter. They feel that because I have had service with them in the past that this is a verified debt. I have disputed this account with the original company, the debt collector and the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX  XXXX XXXX {$97.00} XXXX XXXX {$470.00} SOC SEC ADMIN OFFICE XXXX  XXXX {$23000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft! My information was sold to the black market from a compromised data leak from sprint.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX From XXXX XXXX XXXX on XX/XX/2017 because of an advertisement on the Internet offered XXXX XXXX cars that stated the price of {$29000.00} with a payment of {$460.00} for 60 months. due to high-pressure tactics, I was baited then they, XXXX, switched the deal from the advertised deal to {$520.00} a month for 75 months financing {$33000.00} when the settled negotiated price of {$28000.00} at {$490.00} a month, XXXX manager, XXXX XXXX, called me and asked me would I come to the dealership to discuss my dissatisfaction, we discussed the problem and I showed him the internet advertisement and ask to see the written offer I made to the salesman and said that was the only deal I was interested in, He did not produce the written offer. XXXX became belligerent and said car XXXX was responsible for the ad and XXXX was not at fault even though XXXX name was in the ad several times. He also stated he was not going to do any thing about the situation. I left the dealership dissatisfied.and frustrated because XXXX XXXX denied responsibility for the ad and did not produce the written offer I made.
Product: Consumer Loan

Statue of limitations expired in 2011 with original creditor. Sold to another creditor - reporting on credit report.
Product: Mortgage

On XX/XX/XXXX My husband XXXX XXXX who is a Veteran, and I purchased a home. Our Lender is Wells Fargo Loan # XXXX. The home was for XXXX we put XXXX down on the loan which we did not have to because my husband is a veteran. We owe XXXX as of XX/XX/XXXX. 

We have repeatably asked if we could be responsible for our own taxes and insurance ( setting up our own escrow account ) instead of them paying it for us. They have said no each time and said that for the life of the loan we have to let them pay it for us. 

In our loan documentation under escrow account the paper states that we can pay directly and it also states that we may be able to cancel our escrow account, but if we do we must pay the property taxes directly. 

We are only asking to be able to set up our own escrow account and pay our bill directly. 
I called VA and they said that there is no reason why Wells Fargo is trying to stop us from doing this. If we would have known that we would later not be able to pay our own escrow when we purchased we would have set it up then. We feel like they are trying to dictate to us how we are to spend our money and this does not seem a correct way to do business with comsumers. 

Please assist us with what recourse we may have. Thank you for your time and assistance with this matter. 

Best Regards XXXX XXXX Veteran XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute against a home warranty company in XX/XX/XXXX for fraudulent charges the bank decided to close my savings account for my protection they said they were sending me forms to fill out for disputes and a cashier 's check for the money that was in my savings two weeks went by I did not receive dispute forms or the check they sent me a denial letter saying the reason for the denial was I did not send the forms back I have called them 18 times over this matter they refuse to send me another check for my savings account or the dispute letters this company is not professional at all and they still have not given me my {$120.00} from my savings account customers should not be treated this way
Product: Debt collection

Item described by said creditor on my report ( s ) is not mine, I am a XXXX and rarely ever use any other form of payment that isnt cash or a prepaid debit card. According to my mother letters periodically pop up from this company saying this amount is owed and to a different creditor? Im assuming theyre just a debt collection agency. Ive never heard of either in my life and dont want this to keep following me everywhere I go. Whether its to open a new phone line, or attempt to purchase anything on credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to direct your agencyand, by extension, the three major credit bureausto retain only information in my credit file that is current, complete, and true. Under the Fair Credit Reporting Act ( FCRA ) and related regulatory standards ( including Metro 2 data field reporting requirements ), I hereby demand that any information failing to meet these criteria be immediately deleted from my record.
Product: Vehicle loan or lease

I purchased a used vehicle and recently received a welcome letter from Huntington Bank. I called them to change my due date from the XXXX of each month to the XXXX of each month. I was informed by the first customer service rep that I " signed an agreement '' with XXXX stating that I agreed with their rules about not extending the due date past a certain amount of days. I informed her that I didn't even know I had a loan with Huntington Bank until I received the welcome letter so no, I didn't sign an agreement. I requested a supervisor and she stated that extending the payment to the XXXX XXXX cause problems with their system. I have never heard that in all of my years being a consumer. The XXXX is what works better for my pay cycle and the previous credit union had no issue setting it up that way. 

This experience has me concerned about whether this company has policies and procedures for these types of inquiries as the reasoning behind why they couldn't accommodate a simple date change were very much " made up ''. I'm not asking for something unrealistic. I'm asking for a payment due date change to the XXXX of each month and I wanted to be set up on automatic payments.
Product: Mortgage

Good afternoon, I purchase a home in I believe XX/XX/XXXX and unfortunately due to financial difficulties defaulted and went into foreclosure, I did apply for a loan modification but it was not approved. I had two loans the second was a balloon payment. Ditech financial is the company trying to collect on the debt. Its been over ten years and they do no stop sending letters or calls. On occasion I have spoken to them and let them know it was impossible for me to pay this debt and of course I no longer have the home. it is frustrating to keep seeing them report on my credit its past ten years and still receievig calls and notices. I have disputed their credit reporting with no progress in getting them removed from the credit report. What rights do I have to get these people to go away.?