23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank is PERMANENTLY closing a branch at XXXX XXXX XXXX XXXX, Georgia XXXX. This is wrong on so many levels. First this is a low income area and 60 %  XXXX and another 12 %  XXXX. The closest office they are leaving open to this low income minority community is on XXXX XXXX XXXX, high income area right beside XXXX XXXX an Ultra High income area. This should not be allowed ; the closing during COVID has put enough hardship on this community that has seen huge job losses and now Wells Fargo will take more good paying jobs away from this low income area. An investigation into their decision should be done and every effort to keep them open in this community should be made. How much money did the government give them to keep these jobs?
Product: Mortgage

I have an issue with the AmeriHome Mortgage Company XXXX # XXXX. I have a VA loan with them. This is not my first or only mortgage, but by far the worst customer experience. 

On XX/XX/XXXX, the bank made a {$8600.00} payment for my taxes that required an escrow advance from the bank of {$480.00}. My mortgage payment was immediately adjusted to {$2400.00} to make up the shortage. On XX/XX/XXXX, I made a {$700.00} escrow Only payment to cover the deficiency in the account. I called the bank on XX/XX/XXXX when I noticed the payment didn't register and my monthly payment amount wasn't adjusted down. I was told that a ticket was submitted and the amount would be adjusted. I was also told that this bank doesn't allow for extra payments towards escrow and that a refund would be issued if the amount was down. After a week I noticed nothing was changed. On Amerihomes website, there is a secure messaging center. Those persons were nothing short of rude. First message was XX/XX/XXXX, I got a response on XX/XX/XXXX First I was speaking to a XXXX XXXX - who when I attached screenshots in the secure message from their website I was messaging from. she accused me of using the wrong website ( which made no sense as you can only message in the secure center through their website ). I responded on XX/XX/XXXX, didn't hear back until XX/XX/XXXX. Then she said I didn't make a payment without even checking. When I called, they clearly saw the payment, when I informed her and sent a screenshot, she kept claiming to not see it. When I asked for a supervisor she sent me to a coworker on XX/XX/XXXX XXXX XXXX XXXX. This person was even worse asking for a screenshot in XXXX  XXXX. I refused and responded that it was ridiculous, the payment is on file and the customer service can see the payment. I sent this message the same day XX/XX/XXXX. I have now been passed to another representative in the same secure message XXXX XXXX who responded on XX/XX/XXXX and is stating that now she sees the {$700.00} payment on XXXX XX/XX/XXXX. The shortage was only {$480.00}. However now she is saying my escrow must be at {$1600.00} at all times. My payment in XXXX will put another {$720.00} in escrow. So there will be extra at the end. This is a constant back and forth and the information has been conflicting. When I called on XX/XX/XXXX I was told by a XXXX, that she fixed it and my amount is being adjusted. Now they are saying it is still short. That is incorrect and unreasonable. This bank has been unprofessional and nonresponsive for days. It is now over a month and this hasn't been rectified. Just want people to know what they are getting into and I want this resolved. No policies were provided at all. This is a VA loan, they can't just change things how they see fit.
Product: Debt collection

Collections Technology Incorporated called me regarding my sister 's debt on my cell phone line. They were extremely pushy on the phone. 

The XXXX specific individuals from the company that I spoken with were XXXX XXXX XXXX XXXX XXXX and his supervisor XXXX XXXX XXXX. His supervisor repeatedly belittled me and my knowledge of the law. 

The company 's phone number is XXXX XXXX XXXX XXXX and the individual 's extensions were included above. The time of the call was XXXX XXXX ( XXXX ) on Monday, XXXX XXXX, 2016.
Product: Student loan

unfortunately at the current time since XX/XX/2018 I haven't been able to make my payments to navient due to my insufficiency of being able to pay all my current bills. I have asked navient to defer any of my payment ability .. in which they declined ... Since XXXX 2018 I get like 1-3 calls per day fro m randing area code # 's all in which are Navient requesting contact wih me. I have rejected almost all of them ... and consistently explained my reasoing of un-payments .. Still they continue to harrass me daily.. What can I do next? 



THANK YOU, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XX/XX/XXXX.
Product: Checking or savings account

When I opened an account with Robinhood there was no requirement for two factor authorization. After few months I tried to access my account there is a requirement for the XXXX. In the meanwhile I have changed my phone number. I have sent an email to Robinhood but they are asking for a photo holding the ID with ton of other requirements. 
I wear a veil and will not be able to sen them a picture. There is no customer service phone number to resolve the issue and there is no location to go. It is frustrating, I would like them to close the account and send me any balance to my residential address on file. Not sure why is it so difficult. 

Ticket # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.
Product: Vehicle loan or lease

I am submitting this complaint because ACA has gave me a balance of {$2000.00} but is still reporting late payments on an account that is closed, but being reported to all XXXX bureaus that it is OPEN I have made XXXX payments of {$390.00} which total well over {$13000.00} for a vehicle with a very low market value! I am kindly asking that this tradeline that is negatively impacting my score be either removed or updated! Under the FCRA!
Product: Debt collection

I was charged a {$40.00} for late fee on my XXXX statement with this company. 
when I made my payment on XXXX/XXXX/2020. the due date in XXXX/2020. 
When I called the company the person I spoke to XXXX who did not know enough English to truly explain but she said since I did not pay my full amount of due payment which was {$200.00} ( I paid XXXX ) then I wrote then and told them that I was sick at the time and could not make my full payment. I also told them that as soon as I could I would send the Balance. After speaking with XXXX she told me that when ever I make a partial payment. 
I needed to 1st call them to see if that would be ok? 
At no time have i needed to make a partial payment but now. 
I do feel that as a customer and on a fix income they would take that into consideration but she told me they do not do that. 
thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards through Citibank. Around XXXX 2019 one of my on-time Citibank credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting Citibank support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in Citibank 's " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and XXXX  have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX  and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX  is still pending. I am including all three companies : Citibank, XXXX  and XXXX  on this complaint.
Product: Money transfer, virtual currency, or money service

I purchased clothes from a website utilizing paypal and guest. These transactions were on XX/XX/XXXX. The company emailed me notifying me some of the items I purchased were not in stock. I advised them to cancel bother orders. ALLEGEDLY they still shipped both orders on XX/XX/XXXX AFTER I ADVISED THEM TO CANCEL THE ORDERS SINCE MIS XXXX!! over 25 emails. I receive a call from XXXX @ Paypal Executive office on XXXX stating the I should receive the credits back end of the week the tracking information hasn't moved. Then I get an emails advised below. AND STILL NO RESPONSE. WITH {$390.00} IN ITEMS STILL NOT RECEIVED AND ADVISED TO CANCEL THE ORDERS. I did NOTY want them. we are past XXXX and it's been 5 WEEKS good morning, How did we go from almost hour conversation last week that I would have the credits for XXXX and XXXX by end of the week to THIS!!! I have been waiting for this money back since XX/XX/XXXX. 
And I requested they cancel the order WAY before they still sent it when it's past XXXX. And you just stated on XXXX it had no tracking information, which is STILL irrelevant to the fact I advised then more than 20 times to CANCEL both orders and refund my money WEEKS before they allegedly shipped it. 

As we discussed, you requested assistance with two payments you sent to the same merchant, one payment sent from your personal PayPal account ( Transaction ID XXXX ) and a second sent as a Guest Checkout payment ( Transaction ID XXXX ). You filed a PayPal Protection claim on the first payment ( XXXX ) and, on XX/XX/XXXX, I filed a claim on your behalf ( XXXX ). PayPal has contacted the seller by email, requesting information about the transactions including tracking/shipping information. Please note that the claim process can take 30 days to resolve.
Product: Debt collection

I have sent two letters to MIDLAND CREDIT MANAGEMENT which is reporting a debt on each of three my credit reports, asking them to verify or validate that this debt belongs to me which they DID NOT respond to. I have filed multiple dispute letters : 2 Dispute Letters to XXXX, 3 Dispute Letters to XXXX, and 3 Dispute Letters to XXXX, and NONE of these 4 companies have provided any documentation proving that this debt belongs to me. This is a clear VIOLATION of the FCRA. Any information that can not be properly verified, MUST BE DELETED/REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry Capital XXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on XXXX currently today they have been deleted and taking off to this day report never giving to XXXX or Experian they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with XXXX exact same inaccurate collections, hard inquiry if all taking off XXXX why XXXX and Experian continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off XXXX but no other two bureaus. Inaccurate and do not belong to me XXXX and Experian shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Account XXXX XXXX Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opening up complaint against Equifax for the latest data breach as I was identified as being a potential consumer that had my information stolen.
Product: Mortgage

I have a mortgage with Chase. Chase claims they made the tax payment to my county, for my property. My county claims that they have received no such tax payment, has placed a lien on my house, and is charging me interest on the unpaid taxes. I have called Chase every business day since XX/XX/XXXX when I became aware of this issue to request that they either ( 1 ) provide evidence that the taxes were paid by Chase to the county or ( 2 ) provide me with a method to correct Chase 's inaccurate accounting on my loan to reflect that Chase has not actually paid the taxes. Each day Chase 's tax department tells me that they are unable to do either of these and that only a supervisor can provide proof of the payment or correct the escrow balance. They promise me, each day, that a supervisor will call me back that day to address the issue. I have yet to receive a call back from a supervisor. Each subsequent day I call they say the call will take place the following day. 

So I am simply stuck. My county thinks I owe them the taxes. Chase thinks I owe them the taxes. Chase can not provide me ( or the county ) with proof they paid the taxes as they claim and Chase 's tax department admittedly can not help me. As shown in the attached email thread with the county, the county claims that Chase 's escrow statement/accounting for my mortgage is inaccurate. Chase has been unable to prove otherwise and refuses to correct the inaccurate accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name : XXXX XXXX XXXX XXXX, Account # XXXX & Account Name XXXX XXXX XXXX XXXX, Account # XXXX & Account Name : XXXX XXXX XXXX XXXX, and Account # XXXX & Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.Sectio
n 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On date XX/XX/year> I received a wire, on history payment, is saying XXXX $ yes there is a fee of XXXX $ that appear on history payment but still there are some money took from me without me knowing why and because of lack of transparency I am not able to know even who took that money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FAIR CREDIT REPORTING ACT XXXX account # ending XXXX from XXXX XXXX XXXXXXXX BANK 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcings reporting collection on my XXXX and XXXX credit report. This is not my account. I need it removed. XX/XX/2022 for XXXX
Product: Debt collection

I am unaware of this debt I did not get a chance to dispute this account and if you feel like you gave me proper notice then please send me the certified reciept with my name and signature on it the account number is XXXX
Product: Mortgage

XX/XX/XXXX I was alerted to a change in my credit report. When seeing the report it was for my ex husband 's mortgage that is solely in his name. He assumed the mortgage in XX/XX/XXXX when we divorced. I provided the assumption paperwork via email, fax and postal mail and have been calling weekly to biweekly to them with no resolution to the problem. I also contacted original mortgage company who no longer has any record of that account. They suggested filing a complaint with ex husband 's current mortgage company. I filed a report last week and was supposed to have a follow up return call within 1-2 business days and never received one. I have been calling and checking the status once to twice a week since submitting all of my documents to them back in XXXX with absolutely no resolution or explanations of why this is taking so long to handle.
Product: Checking or savings account

Merrill Lynch does not have a way for a customer to report a problem with a process or service of theirs, outside of calling and speaking with a representative via phone. 

I have an IRA account with Merrill Lynch. On XX/XX/XXXX, I initiated a process through their online form, available for existing customers, to rollover an XXXX from a prior employer to my IRA account with Merrill Lynch. 

A few weeks passed and I noticed no activity on this change. On XX/XX/XXXX, I called Merrill Lynch and spoke with a representative who informed me that my transfer was being held up because the company needs an overnight mailing address from my prior employer 's plan that is not a XXXX XXXX XXXX and also that they need a statement or some other document either from myself or my prior employer 's plan. 

At no point since I initiated this process was there any attempt by Merrill Lynch to contact me regarding this required information. I had to find this out by waiting and taking the initiative to call a few weeks later. The Merrill Lynch service representative that I spoke with, XXXX XXXX, acknowledged that notifications do not go to customers in these cases. 

I am upset that there was no effort on the company to inform of needed information, either when I was originally submitting it, or in the weeks in between when I submitted it and my phone call. I am also upset that the only venue for me to notify the company about this directly is by speaking with the service representative, who validated that there is an issue, however, it left me with no assurance that this would get to the right management team at Merrill Lynch. I am also upset that there is no other venue for me to contact Merrill Lynch to let them know about problems and shortcomings in the offerings they provide for customers. Hence, why I am going through CFPB.
Product: Checking or savings account

This bank purposely arrange what they pay first, Bank fees are extremely excessive.They charge you a fee if you transfer money from your savings to your checking account. I refuse to clear up both of my checking account that will close soon because of excessive bank fees. In my business checking I have {$37.00} fee per day and they havent paid not one of my charges. I spoke with the XXXX XXXX ( XXXX XXXX, GA location ) and was informed that this bank paid the transactions thats why I had the overdraft fee which wasnt true. This has happened twice so you end up paying both the company that you wrote the check to and all of the excessive bank fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, Experian and XXXX removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.
Product: Credit card or prepaid card

On XXXX, I used an app called XXXX to reserve a hotel room at the XXXX XXXX XXXX. One room, one night. When I checked out, the XXXX XXXX charged me, as well as the XXXX website. I complained on XXXX. My bank, Direct Express, wrote me on XXXX, and they did not find that an error had occurred. Yet it still stands as an error against me.
Product: Credit card or prepaid card

Capitol one credit card, called them, my payment on XX/XX/XXXX went through for a couple days and then went back to unpaid when I wanted to just pay it in full then. They wrote missed payment on my credit report even though their system was faulty and did not let me pay I would like a credit update because of that. Now I have {$100.00} in interst and late fees and they said they cant do anything about it because card Is closed and I have to pay those fees so On XX/XX/XXXX I made sure to pay my balance on card in full and asked it to be closed For good and balance said XXXX on account because I paid it. 
Now on XX/XX/XXXX it says 7.20 interest charge. But I paid already on time and they are stealing from me.
Product: Credit card or prepaid card

My account is already closed and I would like it removed from my account.