23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Description of Complaint : I am filing this complaint regarding PHH Mortgage 's handling of my parents ' reverse mortgage following the death of my last surviving parent on XX/XX/XXXX. PHH Mortgage is violating HUD regulations and engaging in potentially unfair and deceptive practices in the following ways : 1. Premature Foreclosure Action PHH initiated foreclosure proceedings shortly after my parent 's death This violates HUD regulations that provide heirs XXXX year to sell or refinance the property When contacted about this violation, PHH has been unresponsive 2. Denial of Extension Rights PHH claims I am ineligible for a second extension due to missing their internal deadline They have failed to provide any HUD regulations supporting this position This appears to be an arbitrary denial of rights granted under HUD guidelines 3. Failure to Respond to Written Communications I sent a formal letter on XX/XX/XXXX requesting clarification and compliance with HUD regulations I sent a follow-up letter on XX/XX/XXXX PHH has failed to respond to either communication 4. Pattern of Concerning Behavior PHH has a documented history of regulatory violations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The XXXX XXXX XXXX reports XXXX XXXX XXXX PHH closed in the XXXX XXXX years XXXX complaints in the last 12 months specifically related to Unfair, Deceptive, or Abusive Acts or Practices Desired Resolution : 1. Immediate withdrawal of foreclosure proceedings 2. Written confirmation of my right to the full one-year period ( until XX/XX/XXXX ) to sell or refinance the property 3. Clear explanation of the process for requesting a second extension 4. Written documentation of any HUD regulations that would prevent such an extension Prior Actions Taken : 1. Sent formal letter to PHH on XX/XX/XXXX ( via fax and USPS mail ) 2. Sent follow-up letter on XX/XX/XXXX ( via fax and USPS mail ) 3. Attempted phone contact on XX/XX/XXXX Supporting Documentation Attached : 1. Copy of death certificate 2. Copies of letters sent to PHH Impact : This situation has created significant stress and uncertainty for my family during a period of bereavement. PHH 's actions threaten our legitimate rights under HUD regulations and could result in the premature loss of our family home.
Product: Consumer Loan

Please review complaint number XXXX XXXX and this is a 2nd complaint on Chase Manhattan Bank. No phone call responses at all from them. 
I spoke to XXXX at CFPB on XX/XX/2015 to the response that Chase gave. It is all untrue as see it. 
Chase said they gave me this promissory note the day I opened the loan. False never did. This is not given to the consumer till the loan is paid off. 
They are not reading my first complaint very carefully. Dodging the real facts. The girl they stated did not make a mistake. False, she would not give me any papers. Said the keep everything. I did not agreed to that note for, XXXX, I never seen. 
Again, they did not read the first complaint paper I wrote. Again dodging the facts. 
If Chase does n't make mistakes that needs to be looked into. 
Then I asked for a calculation on how the loan amount is figured out. 
Again, they dodged by not explaining in a breakdown, because there is an error. 
Then to explain I never put something extra in the loan to increase it. 
Again they created something for they are avoiding the fact. 
Nothing they have wrote is matching m letter or even to provided an explanation to all the paper work that I have provided CFPB. That PROMISSARY NOTE was accidently given to me by Chase bank in XXXX, N.Y. when they called corporate and corporate accidently gave it to them. No one sees this till the loan is finish. That 's when I noticed an xas annually, not fixed. They are not following anything under their supposedly guide linesby giving me XXXX different rates, XXXX different amounts, and XXXX different pay off time. Al these papers I sent from are from Chase. 
They are dodging from the real mistake they did and truth. 
Everyone makes mistakes Chase, and the are changing all the wording around. And Facts. 
I do advise that no one should open a loan with Chase who has hidden all this from a consumer. I was taking for a ride. They have n't answered anything in regards to my complaint. MMMMMMMM? 
Asked that Consumer Finance do research this deeper. by reviewing my documentsand their response more carefully. 
Regards XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX  ( XXXX XXXX XXXX ) has ABUSED the use of my credit.

They ran my CREDIT 4 times within them. That is NOT okay when im rebuilding credit. Hard inquiries take a toll and I was not told it would be overused like this I was told ONE PULL. Please fix this
Product: Credit reporting

My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.
Product: Checking or savings account

Since the merger of BBVA with PNC starting on roughly XX/XX/2021 I haven't been able to access any of my four banking accounts with either BBVAs online access or PNCs online access. I am unable to know what is in the accounts, conduct banking transactions and pay bills. Ive also been accessed a non-sufficient fee once already due to not being able to see the amount of funds in the accounts. PNC keeps telling me my accounts are being transferred and I have to wait. In order to get any info about my accounts I have to spend hours at a local branch to conduct banking transactions and this is getting ridiculous. I cant manage my accounts and transfer money between accounts to pay bills as all my bills are set up on auto pay. At this point I just want to be able to transfer my money out of PNC Bank. I have no documents as I have no access to anything.
Product: Checking or savings account

I had a checking account with a bank. 

For 2 months they charged me {$11.00} a month for not having direct deposit enrolled with this account. 

For those two months I had a positive account balance and over {$300.00} in the account. 

The cashier was pleasant but only tried to sell me on another product and would not reverse the charges. 

I closed my account and do business elsewhere. 

During this time of mass unemployment, lets say I was XXXX and my direct deposit was terminated. I would be hit with unemployment and their fee.
Product: Credit card

I had a secured credit card with Captial One and had placed a XXXX security deposit when I opened the account. I closed the account and was told that my XXXX security deposit would be refunded back. I have called at least XXXX times to check on the status of the my XXXX refund and was told that it was being sent. On several occasions and after speaking with multiple managers I was told that refund check had been issued on XX/XX/year> and allow times to receive. I had filed multiple escalations with Captial One and spoke with many managers who keep telling the check is in the mail. I was told last week that check was in mail and if I did not recv by XX/XX/year> to call them and they would reissue the check. I received a call from a female the morning of XX/XX/year> who advised that she was calling regarding the check and she would look into seeing what was going on and that she would be the one to follow back up with me in three days, of which I hae still yet to hear back from her and its been a week now. I called again on XX/XX/year> and spoke with a male manager again who told me again that the check was issued XX/XX/year>, and i explaind the situation again and he again tells me he sees that they were aware of the sitution and that it had been addressed and it shows that I should receive the security deposit refund check this week. Its now friday XX/XX/year> and my mail just ran and no refund check. Its been over a month since they claim they issued the refund check. It would not have taken a month for the check to have been returned back to them. I do not know what the delay or what the issue is but i am desperately needing this refund check sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, an item was deleted off my credit file XXXX XXXX XXXX XXXX report # XXXX and I noticed that it was re-inserted on my credit file report # XXXX. I was not notified this was going to happen, delete this from my credit file.
Product: Debt collection

XXXX XXXX is reporting that i owe them XXXX for a account tht is not mines a rep called me the other day and stated that they had some one coming out to serve me with papers. Yes i  had a XXXX XXXX card that was closed out in good standing this account was open durning the time in which i already had an account so why open up another account.i wish to have this account removed they are reporting negative information on my credit report.
Product: Credit card

a credit card with Capital One, had an auto renewal fee, with no statement mailed to me, and added a late fee, over time, I had a reporting on my credit report that had negatively effected my credit rating. I have not used this card in years, if I ever used it. I do not recall getting their card in 2011. I am attaching a page from my credit report. Capital One has reversed the charge on my account, but my credit report is still showing a lower score due to this mistake on the report. Can you have it fully reversed?
Product: Student loan

I continuously made regular monthly payments for years, until I experienced financial difficulties due to enexpected divorce which resulted in relocation and employment change. 

The lender provided options to defer loan payments multiple times, but failed to inform me that interest would continue to build upon the principal. 

When it was time to begin making payments again, I found the principal had more than doubled. 

I've attempted to resolve this matter with the lender with no success and it's become impossible for me to repay the current outstanding amount.
Product: Mortgage

On XX/XX/XXXX, I sent payments totaling {$13000.00} to be applied to my principle balance. On XX/XX/XXXX, First Home Mortgage applied to future payments instead of reducing my principle balance. On XX/XX/XXXX, and send a message explaining the problem, and asked them to reduce the principle balance because I did not want to extend my future payments, I wanted to pay down my principle. They reversed the transactions, but then misapplied some of the funds against my principle. On XX/XX/XXXX, they took my auto drafted mortgage payment out of my personal checking account ; However on XX/XX/XXXX, they reversed the payment against my account. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via email and phone call. I was told that the account would be corrected by XX/XX/XXXX, and that I needed to give them several business days. However, as of today, the account is not correct, and should reflect an outstanding balance of {$100000.00}, but the balance that they are showing is {$110000.00}
Product: Checking or savings account

Over XXXX months ago I received an email stating that my account had been suspended pending further review. At the time of this suspension I had an open dispute related to a number of unauthorized transactions that were made using my card and I found that last week my account was provisionally credited for the amount of the dispute. I contacted Current Bank support to request temporary access to my account using my debit card so that I can access much needed funds currently in my account balance however Im continuously told that Ill be getting an email from the fraud department within the next 72 hours but Ive been told this periodically for the last two months. If my account is not reinstated moving forward then thats fine but I just really need to be able to access the funds in my account without having to wait any longer for an account review thats been going on for almost three months at this point.
Product: Debt collection

On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX At first they refused to disclose who they were or why they were calling and said that papers were being served against me, and that I had to verify my social security number and phone number. I asked her if she was calling to serve legal papers from the courts and she said she couldnt tell me unless I provided my personally identifying information : she did not say no, which allowed me to think this might be the case. They would not disclose what type of papers or that it was an attempt to collect a debt, but wouldnt give any additional importation so I hung up. 

Then a manager, XXXX XXXX XXXX called back and said it was for a balance from am overdraft fee from XXXX for about {$220.00} from TD bank, and that if I didnt settle immediately that I would have to go to court, and have to pay their legal fees, And the bill would be more like {$1000.00} dollars. 

At that, I agreed to that old debt and paid it. Then, I looked up the statue of limitations and realized it was long past. 

I called back and spoke to XXXX XXXX about the matter, told her it was illegal to mislead me, that the statue of limitations in New York was three years for an old debt, and asked for my money back. She said that the mark has appeared on my credit as recently as XXXX, and that the account was only a couple of signatures away from litigation. I said that was still past the statue of limitations, then she agreed that was true, and in fact it was a lie and could not be sued. 

She said that if I canceled the payment it would restart the clock on my debt. I would never have even spoken to these people if they hadnt lied.
Product: Money transfer, virtual currency, or money service

Paypal has permanently closed my account and literally sentenced me to death as I am a XXXX content creator and literally have no other means of receiving payments to provide for myself as the result of a data breach that has spanned months over multiple accounts of mine and confusion over transactions leading them to I can only assume though they haven't clearly specified why to permanently " limiting '' my account. I will literally die now without assistance. This happened today XX/XX/2022. I was given little to no explanation, and had prior to this during the last 62 hours informed them of a data breach and my accounts being hacked, beyond just PayPal. I attempted to contact customer service, who says they filed a 're-appeal ' but told me not to get my hopes up. I have been the victim of multiple data breaches and Phishing, including the XXXX and XXXX data breaches. I am not responsible for whatever 'reasons ' their 'back office team ' who can not be contacted according to them, decided to 'permanently limit and suspend my account '. I am now unable to pay for food, housing, or any other human necessity. If this decision is not reversed, I will likely be XXXX  very soon.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my credit report and noticed that there are accounts listed fraudulently. I have filed a police report for Identity theft and a FTC complaint as well. I do not know how these companies got my non public information and now they are furnishing inaccurate information. This has caused extreme damage to my overall creditworthiness. Here are the accounts I am referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts are verified and I want them removed immediately
Product: Credit card or prepaid card

On XX/XX/2022 I discovered an unusual charge that was posted on XX/XX/2022 for XXXX. I immediately contacted Citibank to open a dispute into this transaction, and concurrently notified XXXX XXXX XXXX about this charge. 

Several weeks after filing my dispute, I proactively contacted Citibank to inquire whether I could provide any supplemental information as I had not received any follow up from Citibank. I was provided an email to submit supplemental information along with the Case # and Transaction # provided by the representative, and on XX/XX/2022 I emailed Citibank to provide my statement along with email correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements from XXXX, and confirmation of XXXX XXXX XXXX XXXX XXXX 

In early XXXX I finally received an update dated XX/XX/2022 from Citibank about the dispute requesting proof of cancellation and any additional supportive information -- all of which was already provided on XX/XX/2022. The update essentially summarized that XXXX XXXX XXXX responded with a standard terms of agreement copy that subscribers are responsible for all charges. I contacted Citibank to question why the material I submitted was not considered, and she was able to retrieve the XX/XX/2022 email and upload contents to my file. I also provided additional material via email on XX/XX/2022 as I had already reached a resolution directly with XXXX XXXX XXXX, where they agreed that the charges were erroneous and removed. I attached a letter from the FCC confirming that the matter was escalated to the Office of the President at XXXX XXXX XXXX and resolved, and there should be no further need to dispute this charge as my balance was cleared. 

I thought that this would be the end of the dispute, but on XX/XX/2022 I received another update from Citibank stating that they did not receive a response to their request for supplemental information. This is patently false, and I contacted Citibank yet again to have them look into the materials I submitted on both XX/XX/2022 and XX/XX/2022. I spoke with an agent named XXXX from the disputes department who attempted to contact an investigator but their response was that this dispute was considered closed and that I would need to file an appeal. I did submit the appeal referencing all the correspondence and supplemental information previously provided, though XXXX explained that the original charge would be reposted to my account pending appeal. 

I am filing a complaint with Consumer Finance because Citibank has not provided any real assistance in resolving this issue, has not reviewed any material they requested and received, and has made no attempt to actually investigate this matter. It is bewildering that proof of resolution reached with XXXX XXXX XXXX and confirmation with an FCC letter is not enough to satisfy an investigation team. Reposting the charge and waiting to appeal this matter will further extend a process that has already taken 3mos and has wasted significant time and effort.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of id theft. I have sent all three credit reporting agencies a copy of the police report and the ftc id theft report that was notarized. i have disputed a total of three items that were not mine with the agencies ( XXXX, XXXX XXXX and XXXX XXXX XXXX ). XXXX and XXXX have investigated and deleted all three from each report as they found it to be fraud. equifax continues to fraudulently list these as verified by my name and social ( again ... i was the victim of id theft ) and continue to blatantly commit deformation of character as they say they are accurate. how can this agency find this to be accurate while both their peers have deleted these from my reports?
Product: Debt collection

This account was paid in full last year and it was sent to collections even after i settled the account.