23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I started a refinance process with Guaranteed Rate for our Jumbo mortgage on our recently purchased home in XX/XX/XXXX. The purchase financing XXXX XX/XX/XXXX ) was also handled by Guaranteed Rate. 

It is 4 months later, and despite assuring me several times in the last few months that closing was near, they kept delaying for more details, despite the fact that I had uploaded/sent those details several times already. 

Each time, they kept trying to " gouge '' me for additional fees - rate lock extension fees, additional closing costs, other fees. They also increased the interest rate, despite the fact that the rates had actually dropped ( and I pointed that out! ). 

I kept going back to them and saying that this was NOT what we had agreed to, and I had the emails to prove it, and then they used that to further delay. 

Ironically, our original loan XXXX, XXXX XXXX, was AWESOME, and kept fighting with his internal team for constantly making changes that were not agreed to. He was ALWAYS available, returned all my calls almost immediately, and literally went to people personally to try to get this loan done. His hands were tied because these delays were being caused by folks up the chain and not him. And then they changed the XXXX XXXX on me without warning more than once! 

I believe this firm is trying to price gouge me - they are likely losing money on the original loan because I'm refinancing within 6 months - but lets be honest here! Rates were historically high last Fall when we bought the home, and they have dropped precipitously. I have a right to refinance at any time! 

The rules state that once an LE is given, you can't change the rates/fees prior to close. Modifying the LE each time, and adding more fees, and causing more delays, so that customers like me get exasperated and just pay the additional fees to close the mortgage should ALSO not be allowed. At least, that is the spirit of the law. 

Guaranteed Rate needs to tell the truth here, and resolve this matter, and be fined for misleading consumers. 

Timeline : ====== XXXX. File started XX/XX/XXXX XXXX. First LE on XX/XX/XXXX at 3.625 % ; XXXX. Updated LE on XX/XX/XXXX and they added $ XXXX points not agreed to originally ; XXXX. XXXX XXXX on XX/XX/XXXX and they added $ XXXX lock extension fee not agreed to.
Product: Vehicle loan or lease

I incepted this loan with Credit Acceptance Corp last XXXX of XXXX. I made 10 payments on time with the assurance that I would be able to refinance the loan with a cheaper interest rate. 

The purchase price of my XXXX XXXX XXXX XXXX was XXXX dollars. It was sold to me as original with very low miles. However, the truck is not original and has been modified and the vehicle history report does not reflect that. Also the dealer is misrepresenting 'limited warranty ' from this lender when it is in fact a very limited 'vehicle service contract '. 'Gap insurance ' was also placed onto the loan with other unknown products and the actual value of the loan is about 195 % of the purchase price. 

I have attempted to refinance the truck but because of the modifications and its age no other 3rd party lender will touch it. As such I am having to surrender the truck to Credit Acceptance Corp under threat, duress and coercion. 

Upon researching Credit Acceptance Corp I have discovered that this company has several active cases in other states, and has settled an action in the state of Massachusetts with CFPB, therefore I contacted you via this portal.
Product: Credit card

Issues with my Apple credit card, Goldman Sachs Bank USA.

Dollar amount : The dollar amount of the suspected error ; {$960.00} Description of Problem : 1- On XX/XX/year>, my card balance was {$1100.00} and I have paid this amount in XX/XX/year>. 
So by paying {$1100.00}, my balance as it been shown on my end at the time was ( - {$500.00} ) until XX/XX/year> and the balance amount has changed from ( - {$500.00} ) to ( {$1400.00} ). My statement of XX/XX/year> stated that the total charges, credits and returns is only ( {$100.00}. ) The statement does not say how the balance has changed exactly from ( - {$500.00} ) to ( {$1400.00} ). 

2- I tried to get clarification with all the details regarding the payment on XXXX XXXX XXXX with the amount of {$1100.00}, and what did I paid for or how the money has split exactly, because the statements of XXXX and XXXX is not clear any the numbers dose not match, but I did not receive any response until today. 

XXXX Furthermore, my current installment balance it says : total paid amount is {$790.00} and the total remaining amount is {$500.00} since XXXX XXXX XXXX. 
However, in XXXX XXXX XXXX, you have charged me {$54.00}. Also in XX/XX/year> you have charged me {$54.00} but non of these charges reflected on the installment until today. 

XXXX I have tried to get clarification with all the details regarding the adjustment reversal on XX/XX/year> and the adjustment on XXXX XXXX, and the Cash Back redemption ( REVERSAL ) on XXXX XXXX. ( note : I dont recognize any cash back redemption on this date with this amount ). However, the bank did not respond to my letter until today. 

XXXX I have tried since XX/XX/XXXX until XX/XX/XXXX to get answers or to have the issue fixed, but unfortunately, I have wasted more than 36 hours of my life by talking to the bank customer service and specialists by the phone, which each one of them told me different things, and opened many cases and after all, the issues still exist and no solution. I have sent a letter by mail, which the bank have received in XXXX XXXX, but I have not received from the bank any response to my letter, and my issue still exists and have not been resolved.
Product: Credit card or prepaid card

Both income earners in our family have lost their jobs due to Covid-19 and Citi Visa refuses to work with ANY of its customers to assist in deferring payments and interest in this very tough time for people. I have a XXXX  XXXX and XXXX XXXX and they have both assisted with NO QUESTIONS ASKED. I have talked to 5 different people at Citi Visa and they keep telling customers to " call back as no assistance programs are in place. '' This has been almost one month of being told the same thing. Very poor for a XXXX XXXX dollar company especially since they are advertising that they are helping their clients all over the web ... FALSE.
Product: Credit reporting or other personal consumer reports

The list below are inquiries that I did not authorize made a dispute with Equifax, XXXX XXXX, and XXXX have not received a response 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is

not correct.I informed them that the public records information should be removed due the laws below. 15USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to any of these bureaus to obtain this information. Also, 15USC1681 ( q ) states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers. 18USC1028a ( 1 ) states that ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly t
ransfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX XXXX  : {$0.00} Exempt Amount : {$0.00}
Product: Debt collection

I called the company to send me documents staying that thry had permission to report on my credit. And I ask them to send me all the documents with my signature and they haven't provided it. And it's been 2 weeks they said they where going to send me a email. From Fair collection and outsourcing.
Product: Credit card or prepaid card

My account was locked. I sent in 5 documents that were o. The septuple list but they were not allowed by the company so I close to my account weighted the 10 to 14 business days called them as I still had not received a check and they advised me that they did not close my account I have been waiting more than 5 weeks to get my money from Netspend. They are completely unprofessional and do not help when I ask to speak to a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}
Product: Student loan

The company is XXXX which closed and was sued for inappropriate practices. I have been approved that XXXX mislead me and now I am looking for refunds. Since this company closed in XXXX and paid fines and other amounts. Is there a way I can get my money back based on the approval of my claims against XXXX? I paid {$31.00}, XXXX for an education that is basically useless. 

My file with the XXXX XXXX XXXX is # XXXX. I file this claim in XXXX oXXXX XXXX Based on the lawsuit, the DOE sat on the XXXX XXXX XXXX claims and did nothing. If they had processed my complaint timely I could have filed against XXXX before they closed and possibly been part of the settlement. 
XXXX you help???
Product: Debt collection

Company, TrueAccord, is trying to collect on a zombie debt of {$8300.00} with XXXX XXXX XXXX ( current creditor of your original XXXX ( South Dakota ), XXXX. ( XXXX XXXX XXXX ) account ) despite the fact that this debt is way past the statute of limitations by XXXX years. I responded months ago, disclaiming this debt and demanded they cease harassing me. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian On XX/XX/XXXX, I wrote to Experian requesting an investigation into an item I believed was inaccurate. The item was removed and recently reappeared and re-aged with a current date. 

This collection agency reports a debt from XXXX as being opened on XX/XX/XXXX. 
XXXX XXXX XXXX  Account Number : XXXX. 

This is untrue and the account was re-aged. Experian has not removed this account from my credit report.
Product: Debt collection

Midland agreed that I could pay my account in full if I paid {$460.00}. {$460.00} was deducted from my bank account on XX/XX/19 for in full payment. Contacted Midland Credit Management XXXX and was told by XXXX that the payment was declined. XXXX then told me there was a glitch in their system. Called back and was told that I needed to fax a copy of my bank statement showing payment which I did. Called again on XXXX and received the same information that their system showed that the payment was declined. 

XXXX received an overnight envelope from Midland today stating that l my payment was declined and that the balance due was {$830.00}. Called Midland and spoke with XXXX and was told that they would straighten my account out but he would not give me definite timeline. I requested an email stating that the account is paid in full. XXXX said he could not do that. Went online and it shows a {$370.00} balance due. I advised XXXX that I was contacting CFPB.
Product: Bank account or service

On XXXX2015 I contacted Chase claims department and custmer service to report unauthorized charge was frauduently deducted from my checking account I did not authorized by XXXX. I also contacted XXXX that I inform Chase had been contacted. Chase did not request a handwritten formal dispute from me. I was led to believe the had consumer protection for their customers. I explain to Chase that my car was being repaired and the dealorship contacted XXXX who they do business with to come to their dealorship and pick me up to transport me safely in their car to put me in a rental because the dealer did not have any loaners available. When I got to the location the business partner ask me for my personal information like drivers licensed, insurance card and a credit card. I gave to them when XXXX new the dealor was paying for it by discounted rate. When I returned the vehicle to the dealorship. The XXXX rental charged my credit card without my knowledge. On the XXXX of XXXX 2015 I received a email from Chase claims department and was told by customer service it is difficult to collect on this entity and I was not given any consumer fraud protection. I was told three weeks later that they would not be able to handle the fraud on my account. I said why did you waist my time if you knew you was not able to handle the fraud onmy account. I did call back again and spoke with someone else then was given another story that they did not have copy rights to handle this fraud on my account and never contacted XXXX to dispute the fraud. So now time has passed and time had ran out for me to rebuttal the unauthorized charge against my account. I closed my account to avoid anymore unauthorized charges to my credited card. Then I discovered Chase added the fraud charge never disputed with the merchant whom I never personally done business with only misled by business relationship with dealor and rental car business who slammed my account for charges the dealor agreed to pay for and the XXXX employee trusted the dealor to pay. Instead the rental car employee charged my car with no permission of myown. Anyone that takes possession of a rental rather the dealorborinsurance or third party is paying. A drivers licensed insurance card and credit card must be given for security purposes. The Chase rep started screaming at me very unprofessional and have bounced checks and taken money put me in the negative in my account.
Product: Checking or savings account

In XX/XX/XXXX I was a victim of a scam that left my checking account negative {$4500.00}. I called Chase about setting up payments to pay of the account but was told I had to wait until they closed the account to make payment arrangements. So in the meantime I occasionally transfered fund from my other checking account to pay off the the negative balance. In XX/XX/XXXX I looked on my account and noticed that they deducted my whole balance of XXXX under an item of CHASE ACCT RECOVERY. So I called to see if I could set up payment arrangement like I originally requested to do. And agreed to pay {$100.00} every two weeks starting XX/XX/XXXX. They told me they could only make arrangement for 90 days and then I had to call back and set up new arrangements. I was told to call on XX/XX/XXXX to set up new payments. Which I did and I recalled being told by the gentlemen I spoke to that no payment was pending for XX/XX/XXXX which there was so I ended up making double payments which I could not afford. Especially since I was buying hurricane supplies for Irma at the time and losing hours at work. But I left it alone because atleast the account was being paid off. That 90 day period went by and I called in XX/XX/XXXX to start a new payment arrangement on XX/XX/XXXX. I was unsure of the end date of this payment arrangement which apparently was XX/XX/XXXX and neglected to call back to set up new arrangements I thought the last payment was XX/XX/XXXX. On XX/XX/XXXX I looked at my account and notice that they once again deducted my whole balance of XXXX on XX/XX/XXXX. Which now leaves me unable to pay my car payment and I'll be late on my rent which will create a whole snowball effect of late fees and leave me unable to pay the full balance of some bills. I called seeing if they could they reverse the transaction if I set up a payment arrangement with I had been doing faithfully for the last 9 months. It had only been a little over a week since the last payment was made and it was never communicated to me that the new payment arrangement had to be made immediately or they would clear out my other account. Not to mention this money was stolen from me so I'm paying back money that I've never even had in the first place. The only thing they could do is for me is refund me {$200.00} but I would have to pay the remainding outstanding balance in 6 month which is something I can not afford. Or they said they could settle the account but the balance had to be paid 60 days. Once again something I can not afford. So as of right now my account has a XXXX balance I and I don't know how I'll pay my bills. I just feel like there wasnt enough of a grace period or any notice that adverse action would be made. Also I have every intention of paying the money back and never gave the impression that I didn't so I don't know why I'm being treated as though they are struggling to get paid back.
Product: Debt collection

XXXX XXXX XXXX hired Valentine and Kebartas of XXXX XXXX XXXX XXXX XXXX to garnish my SSI income in 30 days and sue me when it is illegal to sue someone on SSI. See attached letter stating that fact I get SSI. They are also calling me day and night to collect and threatening arrest saying they are the IRS.
Product: Student loan

I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to put a security freeze on my account in response to the XXXX breach. A few days following my request, Experian lowered my Fico score 23 points. It does n't seem right, that while there were no changes in my financial history or performance, Experian would damage my financial reputation merely because I asked to have my credit information protected. I learned about Experian 's action on XX/XX/2017. They have no vehicle for addressing this type of action internally. I requested the credit freeze around XX/XX/2017. XXXX 's webpage to sign up for the credit freeze stated that they would notify the other 2 credit bureaus of the freeze - so they have damaged my financial reputation with other companies as well.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to 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 XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXon XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We needed help with our mortgage payments after facing COVID-related employment challenges. We worked out a forbearance plan with our loan servicer at the time was XXXX XXXX but loan was sold to Rushmore in 2020. They stated that forbearance would be honored and after we can apply for a loan modification under the Covid umbrella. We found the communication process difficult because it was a struggle to get consistent information. 
We were assigned a liaison, but it felt like they were never available nor did they seem to have the correct answers. It didnt seem like the representatives documented their conversation either, because we had to retell what was going on each time. 
They told us our credit report would not be affected due to Covid and while we waited for a decision, but each month they kept reporting the negative balance. It is showing now 180 days past due although account is current.
Product: Credit card or prepaid card

These following accounts of DISCOVERBANK with account numbers XXXX and XXXX appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting

Lenders investigating my credit is lowering my credit score I think that 's unfair