23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter from US Bank, the issuer of my VISA credit card. US Bank is raising the interest rate on the card to almost double what it was. Not because we were late with a payment. We have NEVER missed or been late with a payment since we 've had this card which is over a decade. No. They are grossly raising the interest rate because our balance is too high in proportion to our credit limit. Now here 's where the complaint comes in. The only and I mean only reason the balance is this high is because US Bank promoted it! How so you ask? US Bank sent us a few Balance Transfer Checks in the mail. They asked us to please transfer other balances from other credit cards/banks to our US Bank credit card account. This was for a fee of course. So we did this. We transferred XXXX other balances that had a higher interest rate to the US Bank credit card account. Following the sales pitch that US Bank sent us. This essentially doubled our balance on the US Bank VISA card, but it was still well below our credit limit. So now they are raising ( almost doubling ) our interest rate to a level that 's higher than the interest rates were on the original accounts we transferred from. This seems like a " bait and switch '' routine. 

To sum it up US Bank asked us to transfer balances from credit card accounts that had double digit interest rates to the VISA card we have with them that was single digit. We did this. It was a good deal. It doubled our balance but did not put us over any limit. Now after we 've done this US Bank is going to raise our interest rate to double digits that 's higher than the accounts we transferred, and they say it 's because of our high balance ; which they encouraged!!
Product: Credit card

Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as I am never late, yet they are being reported as such.
Product: Mortgage

I have this loan for approximately 7 years and pay on an auto payment that is {$70.00} higher than the amount due. The property is two units on one lot or parcel number. In mid XX/XX/2023 I received an auto dialer call asking me to call LoanCare. I called and the lady I eventualy got on the phone explained my payment was short due to an increase {$300.00} per month in the cost of insurance. I explained that was incorrect and we got the insurance department on the phone. It turns out they misread my policy and didnt realize my insurance covered both units and so they added lender paid insurance for one unit at a cost of {$3000.00} a year and thats what raised my payment. They said to not worry about it and they would fix it asap. 
I followed up at the end of XXXX and was told they were working on it still. 
On XX/XX/XXXX the credit bureau notified me my credit has dropped XXXX points due to a 30 day late to LoanCare. I instantly called them and was eventually hung on during a transfer. This happened 3 times on Monday XX/XX/XXXX. Each call was close to 45 minutes before the supposed transfer to an escalator or supervisor. On Tuesday XX/XX/XXXX I called 3 more times before finally reaching an " escalation '' person as there are no supervisors. She was nice and we spent close to 90 minutes going through everything. She said the lender paid insurance was removed but my payment was still {$300.00} higher per month but couldnt explain why. She did say my actual insurance was paid twice this year but at a cost of {$800.00} per year it wouldnt have increased my payment that much. She recommneded I pay the difference and she would email me an escrow breakdown. I never received any email. I asked to speak with someone to help with the mark on my credit, she explained that department does not use phones apparently and told me to fax them. I have sent that fax twice with no response or change. 
On Friday XX/XX/XXXX I missed a call from the insurance department at Loancare. I called back and it took me 3 tries again and over 2 hours to get a person on the phone. She didnt understand my insurance policy somehow and was asking me questions about it but couldnt seem to grasp the concept of 2 units on one loan. I asked my insurance company to reach out as well and theyve had a similar experience. 
In summary I would really appreciate someone not working from home with kids screaming in background and dogs barking to please call me and help get this impound account corrected, and correct the late on my credit. 
Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a Coinbase account that I was conducting transactions with. Coinbase made an unauthorized withdrawal from my checking account by accident and sent me an email indicating their mistake. My account was overdrawn because of this. Because of their mistake, for their own security protocols, they locked my account with thousands of dollars in it. I have sent dozens of emails over the past month since the time I was locked out, with nothing more than an automated response. I have been robbed by a company with no responsibility or care for the people that have made the owner a billionaire. It is illegal what they have done, I want my money back.
Product: Credit reporting or other personal consumer reports

I checked credit in XXXX and XXXX of last year. I opted out of monthly report but it makes you put in credit card info just to see what is posted. I cancelled in XX/XX/XXXX after I seen a record of purchase. I cancelled again in XXXX XXXX. Then in XX/XX/XXXX I see a purchase of {$27.00} on XXXX XXXX after I cancelled on website. I dont take any action until XXXX and then they tell me that I dont have a account. I see the purchase in XX/XX/XXXX of XXXX. I have been charged every month XXXX. I got on phone and called to cancel. They finally sent email of cancellation but no refund of membership that I did not want or opted out of just to look into credit.
Product: Bank account or service

On  XXXX / XXXX /  XXXX   my bank charged me an NSF fee for charges that had not posted yet. The day before I had nothing pending or posted, woke up to NSF fee and when I called the rep stated there were pending items. Even if it had posted  ( which  it had not ) I was only {$1.00} short. 3 days later, an extended overdraft fee was added! Called to talk to rep, she did not help said she would get a supervisor. I waited so long I gave up and hung up.
Product: Debt collection

We had a security system through XXXX XXXX XXXX XXXX XXXX.  We werent using it. My wife canceled it in XX/XX/XXXX with a customer service rep. The next month we got a bill showing service was still active. We canceled again. The next month same thing. Finally in XXXX they processed our cancellation but said we owed for 3 months previously that we cancelled multiple times. We refused to pay for the additional months of service as it was not used and it was cancelled. They said we still owed. Then they turned us into collections agency. I have over XXXX credit score and had perfect credit. They do this stuff on purpose all the time with all of their services because they can get away with it. Since this now impacts my finances and credit, I consider it to be a CFPB valid complaint.
Product: Checking or savings account

I applied for the XXXX XXXX as I am a sole proprietor in need due to XXXX. I am eligible for the XXXX XXXX, and was approved by the XXXX for a loan of {$8000.00}. These funds were disbursed to my Chase bank account. Chase however told me that I have to show proof of my business, and I told them that XXXX already approved me as I had already proved this with copies of my federal taxes which includes my Schedule C. Chase did not believe that I am a sole proprietor and did not give me the money. Chase closed my account and said that they will send the money back to the treasury. However, I just checked my XXXX loan and I have to pay this money back. I called XXXX and was told according to their system, the money was not returned. When I went to Chase to ask for proof of that they sent the money back they did not give me proof.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) Account Numbers : [ List disputed account numbers ] This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation.

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response.

3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision.

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account.

2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ).

Additional Actions I Will Take : Should you fail to comply with the FCRA or provide the requested information within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ), I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Report your non-compliance to the Federal Trade Commission ( FTC ) and my states Attorney General. 
3. Pursue legal action against [ Credit Bureau Name ] for willful or negligent non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which entitles me to actual damages, punitive damages, court costs, and attorneys fees.

Enclosed are copies of my supporting documentation, including : A notarized FTC Identity Theft Report A copy of my government-issued ID This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants.

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.
Product: Mortgage

XX/XX/2020 - Received a call nearly every day from Quicken and finally decided to pick up on this day to get them to stop calling and spoke with an 'Associate Banker '. He shared with us new rates and discussed a possible refinance. 
XXXX - XX/XX/2020 - Did our due diligence and shopped around with multiple lenders to compare rates and products XX/XX/2020 - Came to an agreement with Quicken and received an 'Interest Rate Disclosure - ( Locked Rate Version ) ' with a loan estimate showing a 30-year conventional at 2.99 % with 0.75 % points for our Cash-out refinance. Acknowledged this agreement through their online portal. 
XX/XX/2020 - Signed and provided all necessary documentation through their online portal XX/XX/2020 - Contacted our 'Associate Banker ' asking for status of closing and if there were any issues. He passed us on to the Client Care Specialist team, heard no issues. 
XX/XX/2020 - Received appraisal for expected value of home. 
XX/XX/2020 - Received new Interest Rate Disclosure package increasing closing costs nearly {$25000.00} with no explanation XX/XX/2020 - Contacted Quicken requesting why our costs changed so much XX/XX/2020 - Received a call from a 'Solution Consultant ', explained the situation and he said there was an issue with the pricing we had previously locked in. He said he would get back to us by the end of the week. 
XX/XX/2020 - Solution Consultant emailed us and said he was working with senior leadership and would know more information Monday XX/XX/2020 - Received a new Interest Rate Disclosure package bringing down the closing costs, but still nearly {$7000.00} different from our original locked in agreement. 
Received a call from a Director of Solution Consultants. She said there was an internal error and that they wouldn't be able to give us our original locked in agreement, the 2 % discount points was the lowest she was able to go. 
We got a quote from a competitor and asked if they could meet us halfway and at least match that and bring the discount points to 1.197 %, they said no. 
We researched on their website and found their policy states that these origination fees are in the XXXX tolerance category and can not change, if they do change the lender is liable for the difference. We asked them how they can disregard that policy and they replied with " We are not able to cover anything additional at this time. Im sorry that the wrong expectations were set originally. Ive attempted to cover as much as possible for you. The best offer that we have is what I went over with you and your spouse. '' They then passed us on to their Executive team and we have not heard anything from them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2021, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. On my previous dispute dated on XX/XX/2021, I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. FINANCIAL CREDIT NETWO, Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a navy federal account balance {$4700.00} There is XXXX XXXX  Balance {$1200.00} and there is XXXX XXXX  with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( Capital one an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Mortgage

New loan servicer on a ten year old loan. Does not mail me the bill. Website is malfunctioning and will not let me register. The servicer is not letting me pay my bill! It's baffling.
Product: Consumer Loan

I recently moved to Pennsylvania and I have been trying to change the Title on my vehicle to my new PA address. I have contacted Key Bank customer service Auto Loan Dept. on 4 separate occasions in the past two months and I have been unsuccessful each time. Their customer service is horrible! I 've been given so many different fax numbers to send the request to and none of them are correct. Every time i call i am on hold for over an hour and then when someone finally picks up they tell me they have n't received my request or that i should fax it to a different fax number. I have 6 different fax transmissions showing it went through but they have n't received any of them. To top it all off i am calling XXXX and no one speaks English so they keep putting me on hold while they " research the situation ''. No one there knows what they 're doing. Not to mention every time I 've called the hold time is one hour or more ... and two times after waiting an hour the representative hung up on me so i had to call back again and wait another hour. So frustrating!. This customer service is unacceptable!!! My problem still has not been resolved. I want someone to call me back immediately with the correct information as to where DMV has to fax the request to change the title address to. My number is XXXX. I tried calling their corporate headquarters but the number listed on XXXX is disconnected. I was originally a Niagra First customer and had no problems until my loan was sold to this Key Bank and its been nothing but a nightmare. Auto Loan # XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the credit bureaus could not provide any documentation on any the accuracy of the accounts, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

Accounts Below XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I got a Discover Secured Card for {$1000.00} I had it for 6 months! I had applied for a non secured and got approved but they wanted me to grant them permission to go through my taxes and IRS personal information! I declined - do they closed my secured card which had NOTHING to do with my new application for non secured! They have my money, and have hurt my score I have been building up this whole pandemic! How dare them I did nothing wrong! The card was opened 6 months but when I tried to get a card no secured they hurt my secured??????? They are backwards! Only company asks for IRS permission. They need investigated!
Product: Checking or savings account

We have a business account with Truist. We'veTruis had this account since 1998. We received our statements on time but when we sat down and did the reconciliation in XXXX we discovered the bank deposited a check from myself as an individual to some bogus company and Truist withdrew {$1500.00} out of my business account. Very clearly a bank error or intentional on the part of the Bank teller. I don't even have a personal checking account. The check they cashed didn't even have my company name anywhere on it. The transaction took place XX/XX/XXXX. We received the statement that clearly shows the fraudulent activity towards the end of XXXX. We didn't sit down to reconcile as soon as we received the statement unfortunately, but we did catch it and made the complaint to the Truist fraud department in early XXXX. They are saying because there is more than 30 days from the time of the statement to the time we reported it they are rejecting the claim and we are just out the {$1500.00} from our business account. Again, I only have a business account with Truist and no personal. The check they cashed was a bogus check with my personal name on it, our business account number, and a signature line stating, " no signature required ''. They should have caught this within the 30 days if anything. We could have missed it reconciling but it is still their error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion report on XXXX XXXX XXXX and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information.

In general after any reinvestigation under paragraph ( 1 ) and information disputed
Product: Mortgage

On XX/XX/XXXX I called my mortgage company to make a half mortgage payment - that was to be applied to my account on XXXX ( it was approved by my mortgage company to pay in this manner and I have been doing so since XX/XX/XXXX when I was first approved for my loan modification ), with the understanding that I will call back on XX/XX/XXXX to make the 2nd half of the full mortgage payment. Well, when I called back on XX/XX/XXXX and made the XXXX half payment as promised, the customer service representative informed me that she was unable to find the payment that I made on XX/XX/XXXX to be credited on XX/XX/XXXX ; and to this day, I am being told that they can not find the payment. I was getting ready to make my XXXX payment XXXX minutes ago and now my online statement indicates an entire missing payment. I have submitted proof from my checking account that the payments have been electronically drafted from my checking account, but they still can not find them. I have since been charge a late fee and now the online portal will not allow me to make my XXXX payment without making the XXXX payment as well. 

I am very upset about having negative information on my mortgage account. Since my loan had been modified after my Covid-19 hardship forbearance, I have been making a concerted effort to make every payment on time. I am very frustrated and disappointed in this situation because it makes me feel extremely uneasy about having my mortgage with this company. I have never heard of such a thing as an entire mortgage payment being lost, despite my providing proof that I paid it. This is unacceptable, hence my filing of this complaint. Please help me make Shellpoint Mortgage recover my payment, credit my account and remove the late fee.