23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I called Capital One to close one of my savings accounts. I requested that the existing balance be transferred to my checking account. As part of the account closing process I was required to consent to Capital One reopening the account if there were any outstanding transactions. The customer service representative confirmed all of my data and there was no indication there would be any issue closing the savings account. On XX/XX/XXXX I was notified that a transaction in my checking account was declined. That is when I discovered that my checking account was closed instead of my savings account and the balance of my checking account had been transferred to my savings account instead. I immediately called Capital One to have this error corrected. The first customer service representative said there was nothing they could do. I was then transferred to someone else who explained that they would need to investigate my issue, review the recording of my call and the customer service representative 's notes, to verify that the error was Capital One 's and not mine. I was informed that this process would take up to 20 days. I was advised that if the error was Capital One 's that my account would be reopened. On XX/XX/XXXX XXXX received a follow-up email saying that Capital One had reviewed the issue and informed the customer service representative 's manager of the error. The email said that an account could not be reopened once closed. This is obviously a lie, since I was forced to acknowledge that Capital One would be allowed to reopen the account if they deemed it necessary. I replied to the email, and called the number on the email several times, indicating that this response was insufficient and unsatisfactory, and requesting additional follow-up. As of XX/XX/XXXX I have received no response to my repeated attempts to have this matter resolved. I am still dealing with the expense and inconvenience of my primary checking account being closed unexpectedly. That Capital One would acknowledge that closing the wrong account was their error, but do absolutely nothing to correct the error is unacceptable. I want my account reopened.
Product: Money transfer, virtual currency, or money service

PayPal codes my account for no reason and will not help me getting it back I am sure this is some mistake as I assume it has to b I have not been able to get help from them for months and its affecting me a great deal My email linked to PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER Had an account with XXXX XXXXXXXX this is crazy I do not owe this company anything. I have fought this many times and it is still listed on my credit file I need help I do not owe nor ever opened up an account like this. This company is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was fraudulently used at a XXXX. I called Citibank and reported the fraud. 

They mistakenly reversed all of my transactions from XX/XX/XXXX. 

However, when they corrected their mistake, they double billed me for the reversed items. For example : {$10.00} Charge 1 ( {$10.00} ) Reversal of Charge 1 {$10.00} Charge 1 {$10.00} Charge 1 So, instead of owing ( correctly ) {$10.00}, I now owe {$20.00}. I have sent screenshots of my statements showing this, but they insist they are correct.
Product: Payday loan

XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and Lendgreen for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
Product: Money transfer, virtual currency, or money service

On XXXX, I got a text message ( XXXX ) from Bank of America that I got {$3100.00} from XXXX XXXX XXXX XXXX transfer using my phone number. But the money never showed up. Both I and the sender go to the bank of America branch location in XXXX NC ( XXXX XXXX XXXX XXXX, XXXX NC XXXX ) together to try to find where the money is. But even the branch staff could not figure it out. We called customer service, but no success. I need Bank of America to investigate and give me the {$3100.00} XXXX XXXX XXXX me. 
My Bank of America account number is : XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase continues in the misleading comment to my credit report, ACCOUNT TRANSFERRED. This is unjustly defamatory in representing me as negligent. The truth is that Chase breached their contract with me after agreeing to fulfill the terms of their own modification agreement, transferred my account, and now fail to properly reflect this truth in my credit report. 

They assured me that they would be moved to the back of the loan when they approved a modification and that the late payments would be removed from my credit report, as late. My account was sold after I had been approved for this modification. They breached their written contract with me. THEY SHOULD NEVER HAVE SOLD MY ACCOUNT, MOVED IT ONLY AFTER MODIFYING IT with the updates, as promised.

Chase should be investigated and held accountable for this fraud, which just as they planned lowered my credit score while turning themselves a profit. Chase knew that this fraudulent representation of " me as negligent '' made my account attractive to the buyer by making it difficult for me to secure re-financing, with a lowered interest rate, due to 7 years of this misleading reporting to the credit bureaus. 

Worse, despite having told me to pay my first modification payment by XX/XX/XXXX, they recently updated my credit report to show that my XXXX payment was late. When I tried to make the payment by telephone on XX/XX/XXXX, they refused to take it saying they had sold the account. They sent me conflicting letters. 

I had asked for a deferment. I am XXXX, so I was " verbally '' told that they could only offer me a modification. I was " verbally '' told that I would not be eligible until I missed three payments - XXXX, XXXX, XXXX. I did due to financial duress. 

I have been communicating with them since XXXX of XXXX to resolve this. They have refused. I believe I am protected by federal EEOC and continuing violations federal laws, and state fraud and libel laws, so today, I also filed an EEOC complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX  XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information XXXX and XXXX have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report
Product: Credit card or prepaid card

CAPITAL ONE REFUSES TO OFFER A HARDSHIP PLAN! Account has not been paid since XX/XX/2019 and they are still refusing as of XX/XX/2019 to offer help to me. 

On top of that, Capital One has called me excessively regarding my delinquent accounts. They call every 30 minutes, even though they are able to leave a message. Today, Saturday, I have 6 calls from them in an 7 hour period.

** I have 2 Capital One accounts that are past due by 2 payments, soon to be 3 payments past due on the XXXX. 

** I've called several times over the past 4 weeks, and recently these are the 2 in-depth conversations listed below. 

XX/XX/19 : I talked to them for over 45 minutes, and was told the system didn't show any programs for me. Only that they could not charge a late fee, which doesn't help a thing. 

XX/XX/19 : I called today, and another rep also said no program is available, and then he told me that only ONE time in 24 months has he ever seen someone's account show a program. 

DECEPTIVE AND MISLEADING PRACTICE : When you are on the Capital One website, they have this automatic form that says " Payment Option '' " Build Your Payment Plan ''. No matter what number you type in there, it rejects your offer, unless you type in the entire past due and current amount. In other words, this form is rigged. I am behind {$290.00}, and it wouldn't approve {$50.00} a month, or {$100.00}, or {$150.00} a month or {$200.00} a month. It would only approve {$290.00} or higher. I can't afford {$100.00} a month, but I typed it in to see. 

ALL of my other creditors XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ALL offered me a long-term hardship plan. All offered 0 %. EVERY SINGLE ONE. 

We are in a place of significant financial hardship. My income is down significantly since last year, and has been all through 2019, and we had a $ XXXX emergency vet expense, that required a down payment, to go on a vet payment plan. 

I can't keep up with the payments, and Capital One REFUSES to allow a plan. I've tried EVERYTHING to get on a plan. 

They just want to continue stacking fees on top of my 27 % interest rate. When it goes to collection and I finally get a settlement, the balance is going to be so high that it won't be doable then. They are absolutely the worst company to deal with. I wish I had never done business with them. In fact, I pro-actively closed all my accounts today! I will never do business with them ever. 

Their inability to help me is causing me emotional anxiety, extreme stress, poor health from the worry and not able to sleep, and hard to focus to keep business going during the day, especially with all their excessive phone calls. 

RESOLUTION SEEKING : 0 % Long-term payment plan - like my other creditors have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED NO SIGNATURE HARD PULLS FROM US BANK, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, A FRAUDULENT PULL, AND XXXX DUPLICATED PULLS.
Product: Mortgage

They failed to pay my property taxes. 
They failed to provide a timeline by which they will pay or respond. 
My property taxes are escrowed. 
There are ample funds, in escrow, with which to pay the taxes due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Account was paid in full on time and closed. XXXX did not report late payments until this account was closed. I have XXXX other XXXX accounts in good standing. If I never paid on time why was more credit extended with credit limit increases.
Product: Credit card or prepaid card

In XXXX XXXX XXXX a 30 day late was reported to credit bureaus. This was a one time hardship and asking for forgiveness however no one willing to help me. I am a first time home buyer and trying to buy a home.
Product: Debt collection

I received a call, answered and then was hung up on. On calling back, the company has no opening automation of the company name nor intent. 

Upon speaking to the representative XXXX and her asking if I was XXXX XXXX, I asked who was calling, she says XXXX. I clearly meant the company she represented, upon telling me Convergent I asked her what that company was. 

I hang up, look it up, call back, and ask why I did not receive a mini Miranda I.e. This is a debt collector attempting to collect a debt and any information may be used for that purpose. 

I asked if she was a debt collector attempting to collect a debt which she refused to answer, by repeatedly asking me back if I was XXXX XXXX. 

I know nothing of the debt or the company but the deceptive tactics and violation of the Fair Debt Collection Practices Act ( by refusing to state they were a debt collector ) is why I am reporting.
Product: Mortgage

I already submitted the letter that is attached. Long story short, ever since this company started servicing my loan in XX/XX/XXXX, I've had nothing but problems : 1. They didn't pay my real estate taxes to my municipality until XX/XX/XXXX ( after I had to spend hours playing secretary ). 
2. There were problems with my payment in XXXX - due to SELENE updating their server... they started dinging my credit with payment as LATE & tried to put it on XXXX XXXX. 
3. I received an ERMA/HAF grant and they ( a ) failed to properly disclose my ESCROW & conveniently waited until AFTER the closing for the granXXXX, to re-calculate my ESCROW ( XX/XX/XXXX ) & even though my municipality sent the updated tax bill on XX/XX/XXXX. 
4. SELENE still reported the ERMA payments as LATE & charged fees. 
5. I tried, unsuccessfully, to get SELENE to provide evidence for the increase in ESCROW ( they over estimated ). 
6. It is impossible to get thru to them. Someone has created a website to collect complaints & the XXXX had 282 complaints against them over the past 3 yrs. It looks like they have a pattern of mishandling the servicing of mortgages.
Product: Debt collection

I logged onto my XXXX XXXX account today ( XXXX ) since they update my reports weekly on there. I had notification of a derogatory remark. And I noticed it was from Diversified Consultants collecting for XXXX in the amount of {$330.00}. The collection account was opened on XX/XX/XXXX. I never received any communication from this company saying i owe this nor was given my right to dispute within 30 days. Which i am going to dispute this account as well.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of Charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2023 I received an email from cash app specialty team telling me they could not provide any further details into my account and was closing my account. Reason was they had provided an answer or had been more than 3 days which was a lie. I have contacted them everyday and kept records of all communications. The case number specialty team provided is tots different XXXX from what support threw the app gave me. Ive let both know. Ive demanded my money threw app threw email and Ive mailed certified letter as well. I enclosed a screen shot where my identity was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX, Balance {$2000.00} ), DEPT OF ED / XXXX ( Open Date ; XX/XX/XXXX, Balance {$4100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2100.00} ), XXXXEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2200.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$610.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2900.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$700.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

Company : Bestbuy XXXX Citibank XXXX credit card. 

" credit life insurance fee '' I have been charged monthly for a " credit life insurance fee '' I had auto pay and never looked at the statement. as it was a small fee every month compared to the over all debt. I did not notice it. 

however, when disputing another charge today I noticed this fee and saw them on all statements. when I called Bestbuy/citibank. they said that I have been charged this since I opened the account 12 years ago. when all totaled up its roughly {$4000.00}. I asked Best Buy/citibank to cancel and dispute previous charges and they informed me to contact the insurance company directly because they can't do anything from their side. Citibank was asked to give XXXX back to customers. I did not receive anything.
Product: Checking or savings account

This issue is related to ID FOR COMPLAINT SENT TO XXXX XXXX XXXX Tried to resolve problems that XXXX XXXX didn't resolve. 
Bank of America customer service told me that transaction will be declined because I don't have to withdraw protection. 
My checking account is negative.
Product: Checking or savings account

In 2016, I was charged over {$1700.00} in overdraft charges after chase bank removed my access to mobile bank deposits. I have recorded conversations with bank employees, recorded with their consent, explicitly stating that the feature was removed due to low funding levels in my account, though no official guidelines were ever presented to me, despite multiple requests. My complaint is split into two parts : 1. ) Chase Bank utilized predatory tactics to remove mobile deposit from consumers who would most benefit from the feature. I was forced to incur heavy overdraft fees, many of which were returned when bank employees agreed that fees were caused exclusively due to the removal of that feature. After multiple instances when the bank agreed with my complaints and reversed fees, they continued agreeing but no longer had the capacity to reverse the charges. In one instance, when the city of XXXX was completely flooded and no street access existed to banks or atms, I was still charged a fee, even when I showed the ability to make a deposit as soon as the streets became accessible. Instances such as this occurred on numerous occasions, and each time employees told me that my feature had been removed due to a history of overdrafts, which was entirely created as a result of the removal, itself. This policy of removing the feature for customers with low or negative balances puts us into a purposeful loop of overdraft fees, which bank employees acknowledged as a known problem. 

2. ) I asked on numerous occasions to be given written or formal guidelines about my rights, as a consumer to utilize the mobile deposit feature. While in my recordings bank employees give vastly different answers about the terms of use, none could provide me with clear written rules. Who qualifies for that feature? When will mine be turned on? Why was the feature removed as a result of overdraft fees? All indicated that the feature was removed due to low funds or overdrafts, but none could explain why removal came as a consequence of those facts. Several employees agreed that this was an unfair practice and indicated that numerous customers called in with similar complaints over time. The second portion of my complaint is thus about the bank 's lack of transparency about customer terms of use. 

My recorded conversations with employees are from XX/XX/16, XX/XX/16, XX/XX/2016, XX/XX/16, XX/XX/16, XX/XX/16, and XX/XX/16. In total, throughout that period I was assessed {$1700.00} in fees, though {$500.00} were refunded by employees who agreed that I had done all I could to avoid them.
Product: Credit card or prepaid card

XX/XX/XXXX I made a purchase to XXXX. I could not use the service properly and wanted to cancel. I thought I was being billed XXXX monthly but they were billing XXXX monthly average with annual payment of XXXX. They charged {$84.00} up front. Since the service is XXXX and I cant use it, I called customer service to cancel. The phone number listed on website goes to a prerecorded line that says we do not offer phone support. I sent an email requesting refund to XXXX as instructed by CITI BANK on XX/XX/XXXX and there was no response from XXXX. Their website says I can not get refund after 30 days of purchase so I acted quickly. Now I have been disputing this charge with CITI BANK who gave me a conditional credit then TOOK IT BACK and is also charging me interest on the charge as Im now over the limit. I have sent them copies of the receipt, my email request and completed all the paperwork they asked and I still do not have my refund. This is clearly consumer fraud on both ends. Ciiti bank is just as guilty as XXXX
Product: Credit card

Credit card balance was paid off in full on XX/XX/XXXX but payment was due XX/XX/XXXX. Capital One then issued additional charges on XX/XX/XXXX on a {$0.00} stating that the amount due on the statement does not include the payoff amount. I asked if the the statement states that, the senior account rep said no. I then asked if there was some documentation which has that, and the senior account rep said he could send me the Terms and Condition in the mail. I agreed to look at the terms and conditions but I will have to pay interest while I wait for the Terms and Conditions in the mail.