{"state": "On XX/XX/XXXX I made a payment arrangement with Home Depot credit card services to pay {$150.00} a month through Citi Cards. I told the representative that I could not make the first payment until XX/XX/XXXX. I was told by the customer service representative that there would be no late charges and no interest as long as I made my payments each month. I received a letter dated XX/XX/XXXX confirming the agreement.\n\nI made the monthly payments beginning XX/XX/XXXX as agreed. I continued to make payments each month for the agreed amount. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that I had missed XXXX or more payments. I contacted Citibank on XX/XX/XXXX to dispute the letter. I made four phone calls trying to resolve the matter. I was told by each representative that they showed no notes of a payment arrangement even though I referred to the letter confirming the arrangement and pointed out that all interest charges had ceased as agreed.\n\nI attempted to make a payment on XX/XX/XXXX to honor the agreement but was unable to make a payment. I contacted Citi Cards on XX/XX/XXXX and spoke with a representative to no avail. I requested a supervisor to resolve the issues. I was told by the representative that unless I explained why I need to speak with a supervisor she would not be able to transfer my call. I also attempted to speak with a supervisor on the previous call and was placed on hold for more than an hour. I was told that the account had been charged off on XX/XX/XXXX and reported to the credit reporting agencies.\n\nI did not default on the payment arrangement and now there is a charge off on my credit report and also Citi Card continued to report my account as being more than 30 days delinquent despite the payment agreement.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6623062", "source": "cfpb", "group_id": "cfpb/c2dd33af17347ceb698d", "variant": "clean", "length_bucket": "medium", "chars": 1773, "company": "CITIBANK, N.A.", "date_received": "2023-02-27", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "c2dd33af17347ceb698d6907b58ffdbaed82a5c4e91f00bcd94b0c967bf2199e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Well unfortunately they have a third party contacting me telling there filing next I will be arresst again this loan is so old so I had no idea what is going on this was way back XXXX, I had given them a check from my account that was active again I havent lived in Texas since XXXX its now XXXX, now they telling me I have to pay right away. The Loan Company Is Check & Go, I Havent Heard From Them Since.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3715736", "source": "cfpb", "group_id": "cfpb/29df09a675d2e1d1e9da", "variant": "clean", "length_bucket": "short", "chars": 406, "company": "CNG FINANCIAL CORPORATION", "date_received": "2020-06-25", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't stop withdrawals from your bank account", "sub_issue_raw": "", "text_sha256": "29df09a675d2e1d1e9da29264475a278e7b53f5c82e1a0f232cc709d46588cff", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I OPENED A SYNCHRONY BANK CARE CREDIT ACCOUNT SOME YEARS BACK THEY NEVER SENT ME THE CARD BUT ALLOWED ME TO PAY FOR VET SERVICES THAT DAY I REQUESTED A CARD THE FOLLOWING YEAR AND THEY C CLAIMED THEY SENT IT AND DID NOT SUBSEQUENTLY THEY CLAIMED EACH CARD SENT WA S A NEW ACCOUNT AND ALTHOUGH I HADNT HAD A LATE PAYMENT IN YEARS THEY CLAIMED LATE ON 5 ACCOUNTS WHEN IT WAS ONLY A CARD CHANGE SINCE THEY REPEATEDLY NEVER SENT CARD THEY HAVE DAMAGED MY CREDIT I NEVER HAVE LATE PAYMENTS ON ANYTHING XXXX NY XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2389645", "source": "cfpb", "group_id": "cfpb/04d7e45957ca6472bd13", "variant": "clean", "length_bucket": "short", "chars": 509, "company": "SYNCHRONY FINANCIAL", "date_received": "2017-03-16", "product_raw": "Credit card", "issue_raw": "Credit determination", "sub_issue_raw": "", "text_sha256": "04d7e45957ca6472bd13950b5b0b61fcc08c96d4060fee5c1a1528931048f9c0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Subject : Complaint Regarding Violation of TILA, Breach of Contract, and Unresolved Recoupment Request for Account # ending XXXX with Capital One Auto Finance Co.\n\nConsumer Information : Full Name : Provided Upon Request Account Number : ending XXXX Summary of the Issue : I am filing this complaint due to Capital One Auto Finance Co.s violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq., breach of contract, failure to provide a complete audit of my account, and refusal to comply with my lawful requests for recoupment. Capital Ones actions have resulted in financial harm and the misclassification of my account, in violation of federal statutes and consumer rights.\n\nBackground : On XX/XX/XXXX, I entered into a contractual agreement with Capital One Auto Finance Co. through its broker, XXXX XXXX XXXX XXXX, involving the purchase of a XXXX XXXX XXXX. The agreement included a promissory note that was later transferred without recourse and securitized. I have since discovered that the transfer and sale of this note were not fully disclosed, contravening TILAs mandate for transparency and failing to inform me of the true nature of my financial obligations.\n\nDespite multiple attempts to resolve this matter, including a formal Opportunity to Cure letter sent via registered mail, Capital One has refused to provide written responses and a complete audit of my account as required by 12 CFR Part 226 ( Regulation Z ) and the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666. Capital Ones refusal to respond in writing directly conflicts with the contractual terms that allow for amendments in writing, thereby breaching our agreement.\n\nSpecific Violations : Violation of TILA ( 15 U.S.C. 1601 et seq. ) : Capital One failed to provide full disclosure of the transfer, sale, and securitization of my promissory note, depriving me of my right to informed consent.\n\nBreach of Contract : Capital Ones refusal to provide a written audit and its failure to recognize my right to settle the account through written amendments constitute a breach of our contractual terms and their fiduciary duty.\n\nFailure to Act in Good Faith ( UCC 1-304 ) : Capital Ones handling of my promissory note and refusal to provide transparency violate the standards of good faith in financial transactions.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10565887", "source": "cfpb", "group_id": "cfpb/66710db04b8253e861ee", "variant": "clean", "length_bucket": "medium", "chars": 2307, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-10-24", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Unable to receive car title or other problem after the loan is paid off", "text_sha256": "66710db04b8253e861eeca7d5b1984ecee9dfc877838a21197cc815d90ce78ef", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have held the account in question for many years. In XXXX of XXXX, I used the account to make a hotel reservation deposit ( {$390.00} ) for a planned trip. The trip was cancelled, as was the reservation. Despite the reservation cancellation ( and the fact that the hotel confirmed that cancellation ), the reservation charge appeared on my account. I contacted the hotel via phone, and was told there had been no cancellation and the deposit charge would stand - and was told a supervisor would contact me ( which did not happen ). I then contacted the issuer of the credit card, describing the dispute. The issuer eventually sent me a paper form with which to file a written dispute, which I returned on XX/XX/XXXX - including a copy of the cancellation confirmation from the hotel. After hearing nothing, I sent the issuer a letter on XX/XX/XXXX asking for a response/resolution. The issuer responded on XX/XX/XXXX - indicating the hotel was not willing to credit the charge, and referenced, of all things, the AMOUNT OF TIME THAT HAD TRANSPIRED SINCE THE INITIAL CHARGE WAS MADE. I made an additional request for a logical resolution to the matter by letter on XX/XX/XXXX. After receiving no response, I sent the issuer a letter on XX/XX/XXXX reiterating my efforts to get a resolution - and cancelling the account. After again receiving no response ( but receiving additional statements ), I sent another letter on XX/XX/XXXX, again pointing out my efforts to resolve the matter - and reminding the issuer the account was to have been cancelled. To this date, the issuer has continued to send me statements, adding fees each month. The issuer has also provided negative information relevant to this account to credit reporting bureaus.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3404155", "source": "cfpb", "group_id": "cfpb/ee8f0383cc4d0baccaa6", "variant": "clean", "length_bucket": "medium", "chars": 1741, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-10-13", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "ee8f0383cc4d0baccaa6baec10b8ec1ca597fbc6d7f5a1c99159887c8a3710d2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/2017. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX it should already have dropped off of all 3 CRA 's. I do not recognize this account", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9046322", "source": "cfpb", "group_id": "cfpb/1255d6969cdaba883f79", "variant": "clean", "length_bucket": "short", "chars": 415, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2024-05-19", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "1255d6969cdaba883f79dac51608f7570cc6ff3ff060afb186c4a689f1a904a6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Last week I tried to make a payment that was leftover from the previous payment due on the their website. It said I owed $ XXXX order to apply for anymore cash from my acct credit. I tried 3 times to make the payment. Each time it was denied saying something was wrong with my card info when it was all correct and there was a balance of cash money in my bank account of like {$350.00} or {$60.00}. Due to my schedule I had to get back to doing what I was doing and it slipped my mind to call them. When I got home that afternoon my car had been taken. They took it for a {$120.00}.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "making_payments", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/9271919", "source": "cfpb", "group_id": "cfpb/ceefed7e25fb7aae09be", "variant": "clean", "length_bucket": "short", "chars": 582, "company": "CCF Intermediate Holdings LLC", "date_received": "2024-06-16", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "ceefed7e25fb7aae09be8ebdc923e93de7e8e63f6cf6ff0c08808b468bb97a18", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I received an official notice from the City of XXXX stating that the second half of my CITY property taxes remained unpaid and unless paid promptly, a lien would be placed on my property. I immediately reached out to my mortgage company , The Money Source by phone and asked them why the taxes weren't paid from my escrow account ( taxes and insurance are escrowed in case ). They stated that they had recently purchased the loan from another mortgage company ( XXXX XXXX XXXX ) and did not have access to all of the details yet on my loan. They requested I send over, via fax, the notification from the city as well as a copy of the unpaid bill and stated they would \" research it ''. I immediately requested the bill from the city, which had to be mailed to me. On XX/XX/XXXX, after receiving the bill I faxed the notice and bill to the fax number provided and received a confirmation of receipt. The very next day, XX/XX/XXXX I received a similar notice from my county tax office ( XXXX County ) stating they too have not received a property tax payment for the second half of XXXX. I faxed that notification and bill to the same escrow account fax number at The Money Source, receiving a confirmation of receipt. At that point, I made a phone call to The Money Source and voiced my concerns and asked that someone immediately investigate. The representative stated that they would investigate to verify the bills had indeed not been paid. They went on to say the investigation could take as long as 10 days. And finally she stated that if I did not hear back, that meant all was well and the taxes would be paid! Two months later on XX/XX/XXXX, I received a notice that a lien had been placed on my home and it was to be sold on the courthouse steps on XX/XX/XXXX for failure to pay property taxes. I immediately called The Money Source and asked them what was going on, asked them why the bills weren't paid. They had no record of my XXXX correspondence. Seeing that my escrow account had more than {$13000.00} in the account with no payouts, they knew they were at fault. In addition, at this point, I had received a notice from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) that my insurance had been cancelled as well due to nonpayment. The representative located all of my documents that were faxed in XXXX and assured me I would receive a prompt response and resolution, again after a 7-10 day investigation. She stated that the best way to handle the insurance cancellation was to speak directly to that department of The Money Store directly - she transferred me. A woman answered, looked into the account, place me on a brief hold while she said she was going to call my insurance company and get it straighten out. She came back on the line, stated that my insurance company had sent a bill and that The Money Source would pay it immediately. In late XXXX, The Money Source requested information from our insurance provider, which we provided on XX/XX/XXXX. I began following up on the daily but at this point the COVID-19 pandemic had hit and they stopped answering phone calls. I have waited for 7-10 days, 2-3 hours each day on hold waiting for a response. And nothing. On XX/XX/XXXX, I received a notice from The Money Source stating that because I have no insurance, they were going to provide \" their '' insurance at \" an elevated rate ''. Again, I kept calling The Money Source, as did my insurance agent and nothing. Just endless hold. No answers. So now there are even more problems. I need to get some assistance with my mortgage as the COVID-19 disaster has hit me and my three business devastatingly hard. I also need assistance from the SBA 's disaster loan program but am worried because one of the questions on the application asks if \" I currently have any liens against '' which will disqualify my application. I have frantically called, emailed and faxed ALL OF THIS TO THEM and ZERO RESPONSE. I understand they are overwhelmed by the pandemic but there is NO EXCUSE for their negligence from XXXX to XXXX. I need immediate help!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3604694", "source": "cfpb", "group_id": "cfpb/da66ba968c279d36e935", "variant": "clean", "length_bucket": "long", "chars": 4087, "company": "MONEY SOURCE, INC., THE", "date_received": "2020-04-13", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "da66ba968c279d36e9354af0cfd673bd7f7e24745e5d4ca63f84f7784ed18776", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "While checking my credit report on XX/XX/year>. I discovered a derogatory reporting on my XXXX XXXX XXXX report from CAPIO PARTNERS LLC. A THIRD-PARTY DEBT COLLECTOR FROM XXXX XXXX XXXXXXXX XXXX alleging a debt has been in Charge Off status from XXXX XXXX, for an outstanding balance of {$5300.00}. However, neither company has ever sent any correspondence in regard to this alleged debt. I have never received any billing statements or validation of this debt EVER.\n\nI do not have any information in regard to when, where or how this alleged debt originated. This can not be so ; this is a direct violation of Title 15 USC 1681 and 1692 ( g ). As well as a violation of Fair Debt Collection Practices. Furthermore, this debt holds no validity because CAPIO PARTNERS LLC is a debt buyer company and has no legitimacy in its claim. Since discovering this unlawful derogatory reporting on my report, I have made several attempts to contact the company in writing ( XXXX XXXX ) and by phone ( XX/XX/year>, XX/XX/year> and XX/XX/year>. They have not responded within the allotted time of 30 days specified in my dispute affidavit, and the customer service reps at the number provided for CAPIO PARTNERS LLC ( XXXX ) XXXX continuously hang up in my face and when I call back they do not answer.\n\nI Have also made several attempts to contact the bureaus in writing requesting this alleged debt be verified and disputing this unknown debt, they too have failed to respond. Both CAPIO PARTNERS LLC XXXX XXXX XXXX XXXX XXXX companies have violated the following Fair Debt Collection Practice Laws : 15 USC 1692 ( g ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/10192463", "source": "cfpb", "group_id": "cfpb/fecf43099f68b12c1f6a", "variant": "clean", "length_bucket": "long", "chars": 4075, "company": "Capio Partners, LLC", "date_received": "2024-09-19", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "fecf43099f68b12c1f6ab0e9742f600f924cbdec2591075c5bb6993109718473", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2021 United States Bankruptcy Court reported they \" do not report information to credit bureaus and are not responsible for verifying information form consumers credit files. '' On XX/XX/2021 XXXX XXXX informed me \" after an investigation of the data in question, they were unable to verify the accuracy of the bankruptcy cause, subsequently removing the record from my XXXX XXXX report. On XX/XX/2021 I received a copy of my unofficial XXXX XXXX report which showed my bankruptcy also deleted from there unofficial reports. However Equifax is report my bankruptcy was verified through a third party vendor, XXXX XXXX, when that have proven to be untrue. This information is inaccurate and needs to be deleted. It is illegal to report inaccurate information. Please resolve this before I proceed to hiring representative to properly handle this situations in the court system.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6615779", "source": "cfpb", "group_id": "cfpb/f57317d0cca7b3dafa01", "variant": "clean", "length_bucket": "short", "chars": 885, "company": "EQUIFAX, INC.", "date_received": "2023-02-26", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Public record information inaccurate", "text_sha256": "f57317d0cca7b3dafa0148d863822c58617af7eb4b431975b153f20e0cb98338", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.\n\nI am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.\n\nI respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.\n\nFailing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.\n\nAdditionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.\n\nUnder federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature.\nIn addition please provide the contract signed between XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & The original creditor, notarized and sworn under penalty and perjury for XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ability to collect this alleged debt.\nThe non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA.\nThe non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I dont believe this non creditor and feel that they are not being honest. Please send all validating records through the XXXX and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.\nDebt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation.\n12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.\n( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.\nThis account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Please have this inaccurate account removed from my credit.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.\nUnder federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7162068", "source": "cfpb", "group_id": "cfpb/88f86f32890457388444", "variant": "clean", "length_bucket": "long", "chars": 4282, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-06-25", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "88f86f3289045738844475905393c78789829b301d96dd79d948c5e7c5af998e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent a check ( ck # XXXX ; {$3100.00} ) for my XXXX mortgage to General Mortgage Capital Company in the beginning of XXXX, and the check was cashed by them on XX/XX/2023. After I sent my XXXX check to them, I received a letter from them that my mortgage was transfer to XXXX XXXX and the payment we paid to General Mortgage Capital Company will be transferfed to XXXX XXXX. Then, I realized that the payment did not transfer to my new loan company, and I started to call General Mortgage and submitted proof of check withdrawal to confirm my payment on XX/XX/2023. Based on the phone call, the CSR from General Mortgage told me that they need to confirm if they have received my payment. If they have received it, it might take XXXX months to complete the transaction. Then I keep calling to follow up with them, but still no update. The last time I call General Mortgage was on XX/XX/2023. The customer service from General Mortgage told me that they confirmed they did not receive my payment. I was so shocked at that time. Then I called the bank and told them the situation and tried to dispute this transaction. However, after the banker checked on my case, he said this check was cashed by General Mortgage Capital Corporation which is the same with the title on my check. The XXXX bank is unable to stop this payment. Seems like my money disappeared after General Mortgage XXXX XXXX cashed the check. I have attached all the documents, like proof of check withdrawal, letter form General Mortgage Capital Company that showed they did not receive my payment and did not apply the check amount to my mortgage account..\nPlease let me know if you need more information from me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/7881767", "source": "cfpb", "group_id": "cfpb/cf9c18caacbc10e3896f", "variant": "clean", "length_bucket": "medium", "chars": 1683, "company": "General Mortgage Capital Corporation", "date_received": "2023-11-21", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Payment process", "text_sha256": "cf9c18caacbc10e3896fe725fc3ba8d2d0d988fbfe398cbb5d8dc4247145d75c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The Credit Bureaus never did a proper \" investigation '' according to the FCRA.\n\nI am contacting you because TransUnion claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate.\nHowever, these accounts is STILL inaccurate and their companies is STILL continuing to report errors on my credit file, which is causing damage to my credit score.\n\nAlso, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.\n\nThe Credit bureaus stated my accounts was property investigation but how is that possible if the credit bureaus are reporting different information.\n\nXXXX XXXX XXXX number XXXX Amount {$480.00} Last verified date is not accurate, date of last activity is inaccurate, date reported is not correct, and the closed date is falsified. This account is XXXX XXXX XXXX. That is past the statue of limitation XXXX XXXX XXXX account number XXXX Amount {$960.00} Last verified date is inaccurate, date of last activity is incorrect, closed date is false, and date reported is invalid.\n\nXXXX XXXX XXXX account XXXX Date of last activity is inaccurate and the close date is false.\n\nI have provided XXXX XXXX XXXX credit report along with TransUnion credit report to prove my case.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9424278", "source": "cfpb", "group_id": "cfpb/fe3a2a8e0e8f1202fd36", "variant": "clean", "length_bucket": "medium", "chars": 1361, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-07-04", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "fe3a2a8e0e8f1202fd364da265d683161ce7268f1b0a40a0aaa202cd7621e77b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Good morning, I made a reservation at the XXXX XXXX XXXX XXXX XXXX ( details below ) and used my capital one card ending in XXXX for the deposit of {XXXX}. The deposit was to return to my account in 3-5 business days and never occurred. I called the hotel multiple times and said I had to contact my bank. I then filled a claim with capital one which was later denied due to documentation the hotel had provided.\n\nXXXX XXXX XXXX XXXX XX/XX/XXXX Check in XX/XX/XXXX, XXXX XXXX Check out XX/XX/XXXX Duration of stay 1 night Address XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Phone number XXXX XXXX Confirmation number XXXX There is no valid documentation, I paid for my reservation online, no room service at the time due to covid-19 and they never filled a claim for damages made in the room.\n\nMy bank statement shows three transactions posted : XX/XX/XXXX XXXX XXXX XXXX Purchase - {XXXX} XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Provisional Credit + {XXXX} XX/XX/XXXX Icon Dispute Credit Reversal - XXXX XXXX XXXX Dispute Credit Reversal - {XXXX} Today on XX/XX/21 I called my bank again and they informed me once a case was closed there was nothing else to be done.\n\nI called they hotel and they wouldn't tell me when a manager would be available and transferred me to customer care.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/4455754", "source": "cfpb", "group_id": "cfpb/52dbd7438573edf671c3", "variant": "clean", "length_bucket": "medium", "chars": 1290, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2021-06-12", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "52dbd7438573edf671c3fb4158b37e3fd92b230aa29c12bc0077c899f05a905e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I would like to file another complaint regarding XXXX XXXX/Navients response to complaints filed by me and my daughter. I am referencing complaint # XXXX.\nMs. XXXX basically does a great job of gaslighting our concerns. Our complaints were regarding ongoing misapplication of payments sent in ; her response speaks to too much payment on one loan group paid by my husband and myself and too little paid to the other loan group by my daughter. She is throwing up a smokescreen here to avoid taking responsibility, yet again.\nThe loan group that my husband and I pay is comprised of three loans, ending in the numbers XXXX, XXXX and XXXX. My daughter pays on the other three loans, ending in numbers XXXX, XXXX and XXXX. Per Ms. XXXX response, my husband and I are overpaying but we pay exactly what Navient directed us to pay, {$490.00} per month. My daughter apparently is underpaying, sending {$350.00} per month. Again, this is the amount Navient had directed her to pay. We have paid these amounts for years. I suspect the amount my husband and I pay is too much now, because interest rates have fallen, and this has impacted the amount due. However, it is baffling why my daughters amount due would increase, as the interest rates have fallen in the same exact way for the loans she pays. As far as I know, interest rates are down for all Americans, in all loan types. My daughter has not ever been notified of an increase in her monthly due amount. These accounts were allegedly reviewed last in XXXX, when we last filed formal complaints against Navient, yet this discrepancy was not pointed out by Navient at that time.\nTo further keep the smoke going here, Ms. XXXX never addresses the meat of the complaint. The specific accounts that had payments misapplied happen to be the three loans my husband and I pay on. These are overpaid, so there is absolutely no effect from the alleged underpayment by my daughter, nor does it in any way allow for straightforward misapplication of the funds sent to Navient. In other words, they got their money, why didnt it go where it was supposed to? Not only did they get their money, per Ms. XXXX own report, we sent them more than they needed. This is not logical, just nonsensical, and just gaslighting. I suspect this is corporate gobbledygook, where she just throws lots of words out there, and hopes that no one sees what she is doing here.\nMs. XXXX continues to offer us the opportunity to use Navients Auto Pay system, never wanting to admit that the staff at Navient have previously taken more money from my daughters account than they were supposed to. I suppose she thinks we forgot about that theft, but we have not. We, meaning both my husband and I and my daughter, send payments automatically from our own banks. The payments consistently arrive on time, for the amounts that Navient has directed us in the past to send to them.\nMs. XXXX fails to address the ongoing need for her to go into these accounts every month to fix the monthly misapplication of payments. She carefully constructs her response to avoid the topic of misapplication of monies and to avoid the topic of how this happens every month.\nMs. XXXX also fails to address the problem that historically occurs when she is away from work for a few days, and there is no one to watch/fix the payment application, leading to late fees that then need to be reversed. She put lots of words down, talking about payment due dates, etc. but never addressed the meat of the complaint.\nI feel very very strongly that this needs to be followed up on. I can not continue to deal with this level of incompetence and deceit. I can not continue to have to rely on your agency to get Navient to address their problem. Keep in mind that this has gone on for ten years, and has never been fixed. Ten. Here we are just now learning that somewhere along the line, my daughters payment amount changed and she was not notified. Here we go again, and in the meantime, Ms. XXXX chooses to ignore the issue leading to the complaint. The issue was Navients misapplication of funds to three accounts paid by myself and my husband with more money than required. Strangely, in reviewing statements, I discovered that a number of months ago, it appears I underpaid. I have never been notified of a change in payment.\nWe need a full audit of this account. I asked for this in XXXX, directly to Ms. XXXX, and got no response regarding this. This absolutely must happen, as according to the statements online, we are going to be hitting just principal after this coming months payments, and I can only foresee having problems with this. There is some kind of nefarious behavior happening here, and without an audit, perhaps a forensic audit, this can not be found out.\nI want six separate account numbers, one for each loan. This will remove XXXX ability to mismanage funds or perhaps steal them from us. This will be especially true if we are indeed hitting principal, as they will not be able to tinker with interest payments as a way to divert our payments. If it sounds like I am suggesting that they are stealing from us, believe it, I am. There is something very suspicious going on here.\nI want verification from Navient regarding what I am seeing on the online statement, regarding what is left for interest and principal for each of these loans. I do not and can not trust what is posted online, and perhaps can not trust what Ms. XXXX says either but more documentation is better than less.\nI want a plan in place for her coverage when she is away from work, so someone is responsible for watching these accounts. I want the name and title of that person, as well as their employee ID number.\nSince filing my first XX/XX/2020 complaint, I have downloaded statements and have an email from Ms. XXXX, detailing what I am saying here and showing her admission that the misapplication of funds happened in the loans that my husband and I pay, with more than the required amount of money. Because this remains unresolved, in any way and not at all in accordance to my above wishes, I am filing another complaint with your agency in order to address the lack of a response despite all the pretty words she uses, and continue to pursue an end to this. I look forward to hearing from you.\nRespectfully, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3676200", "source": "cfpb", "group_id": "cfpb/7a132ac69964206e1e40", "variant": "clean", "length_bucket": "long", "chars": 6318, "company": "Navient Solutions, LLC.", "date_received": "2020-05-30", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "7a132ac69964206e1e404bacf5a8e1498e6e604a78cb1b3b87bdd85a71d7941c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "First, I will start with XXXX XXXX . I applied for and was approved through this company for student loans, whichI thought w as great since I was on my own - but did not realize how negatively the rates I was approved for would hurt me in the future. When I would call to lower payments, I was absolutely convinced that forbearance was the way to go, I was n't making nearly enough money to afford these loan payments. Again, I was trying to do this all on my own as a young adult and did not feel as though all options were presented in an order that would be most beneficial to my future. Gradually, my payments keep increasing, and all this time I thought I was just stuck with this . Navient then too k over my private student loans from XXXX XXXX . I recently logged in to the website and noticed that the interest rate I am being charged is higher than was XXXX XXXX was charging, and still my monthly payments keep increasing. If they were just taking over my previous loans, how can the interest rate be higher??", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2469791", "source": "cfpb", "group_id": "cfpb/437f63e3a683f06ef7d8", "variant": "clean", "length_bucket": "short", "chars": 1031, "company": "Navient Solutions, LLC.", "date_received": "2017-04-28", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "437f63e3a683f06ef7d8e9b098d29ed2033596fe795e5227194a11e8d7b9e34c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "CARTER-YOUNG INC XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX I checked my three credit reports and found an assumed collection account from CARTER-YOUNG INC with different opening dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account number. I have never had an account with this company nor any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility.\n\nMy credit reports also show that CARTER-YOUNG INC has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. I also understand that medical collections under {$500.00}, a paid medical collection, a collection less than a year old, or having a past due balance found on a collection account should not be listed on consumer credit reports. My XXXX, XXXX, and XXXX credit reports all show different and inaccurate open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account.\n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did this company not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies.\n\nPlease remove this account from my credit reports immediately. It is not my duty to provide evidence that this alleged debt is not mine. It is the obligation of the debt collector to provide evidence that they can lawfully collect on any alleged debt, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been unsuccessful.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8389764", "source": "cfpb", "group_id": "cfpb/88447702adc61efc5cf7", "variant": "clean", "length_bucket": "long", "chars": 4404, "company": "Carter-Young, Inc.", "date_received": "2024-02-22", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "88447702adc61efc5cf7504540c8e14b49e760a501399b0cf413455651eddd69", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I hope this message finds you well. I am writing to urgently bring to your attention a matter of concern related to a registered security issued to Goldman Sachs for the Apple Card on XX/XX/2024. I had anticipated a prompt and secure handling of associated processes but have encountered issues that require immediate resolution.\n\nIn reviewing the situation, I find it crucial to draw attention to the applicable sections of the Uniform Commercial Code ( UCC ), specifically 3-309, 3-312, and 4-302, outlining the obligations and responsibilities concerning negotiable instruments and payment processing.\n\nAdding to these concerns, 3-603 of the UCC states that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.\n\nFurthermore, if tender of payment is made and refused, 3-603 ( b ) specifies that there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.\n\nAdditionally, 3-603 ( c ) notes that if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made a tender of payment on the due date to the person entitled to enforce the instrument.\n\nRegrettably, the current situation has prompted concerns that may be indicative of a potential securities fraud matter. In the best interest of all parties involved, I urge you to address this issue promptly and rectify any discrepancies. ( b ) Notice of defaults The indenture trustee shall give to the indenture security holders, in the manner and to the extent provided in subsection ( c ) of section 77mmm of this title, notice of all defaults known to the trustee, within ninety days after the occurrence thereof : Provided, That such indenture shall automatically be deemed ( unless it is expressly provided therein that such provision is excluded ) to provide that, except in the case of default in the payment of the principal of or interest on any indenture security, or in the payment of any sinking or purchase fund installment, the trustee shall be protected in withholding such notice if and so long as the board of directors, the executive committee, or a trust committee of directors and/or responsible officers, of the trustee in good faith determine that the withholding of such notice is in the interests of the indenture security holders.\n\n( c ) Duties of the trustee in case of default The indenture trustee shall exercise in case of default ( as such term is defined in such indenture ) such of the rights and powers vested in it by such indenture, and to use the same degree of care and skill in their exercise, as a prudent man would exercise or use under the circumstances in the conduct of his own affairs.\n\n( d ) Responsibility of the trustee The indenture to be qualified shall not contain any provisions relieving the indenture trustee from liability for its own negligent action, its own negligent failure to act, or its own willful misconduct, except that ( 1 ) such indenture shall automatically be deemed ( unless it is expressly provided therein that any such provision is excluded ) to contain the provisions authorized by paragraphs ( 1 ) and ( 2 ) of subsection ( a ) of this section ; ( 2 ) such indenture shall automatically be deemed ( unless it is expressly provided therein that any such provision is excluded ) to contain provisions protecting the indenture trustee from liability for any error of judgment made in good faith by a responsible officer or officers of such trustee, unless it shall be proved that such trustee was negligent in ascertaining the pertinent facts ; and ( 3 ) such indenture shall automatically be deemed ( unless it is expressly provided therein that any such provision is excluded ) to contain provisions protecting the indenture trustee with respect to any action taken or omitted to be taken by it in good faith in accordance with the direction of the holders of not less than a majority in principal amount of the indenture securities at the time outstanding ( determined as provided in subsection ( a ) of section 77ppp of this title ) relating to the time, method, and place of conducting any proceeding for any remedy available to such trustee, or exercising any trust or power conferred upon such trustee, under such indenture.\n\nIf this matter is not handled in a timely and satisfactory manner, I may be compelled to escalate this concern to the Securities and Exchange Commission ( SEC ) and FTC. I am hopeful that we can resolve this matter amicably and promptly to avoid any further escalation.\n\nYour immediate attention to this issue is greatly appreciated.\n\nSincerely,", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "making_payments", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/8172397", "source": "cfpb", "group_id": "cfpb/3e441c85e3005cec22b6", "variant": "clean", "length_bucket": "long", "chars": 5175, "company": "GOLDMAN SACHS BANK USA", "date_received": "2024-01-15", "product_raw": "Credit card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "3e441c85e3005cec22b6f0150bfa080752f361b1bf3a34ac298c1a5cfd559295", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Repayment of mXXXX XXXX XXXX XXXX loans has been very difficult. I only make $ XXXX a year and they expect me to pay {$450.00} a month. I have rent as well as a car payment and other bills. The company is not willing to lower the monthly payment based on my salary. Before Mohela took over my account I was on an income driven repayment plan. They are stating that I am not eligible. In addition, the interest that has accrued on the $ XXXX account balance is in the XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/9904498", "source": "cfpb", "group_id": "cfpb/ffe5dd3dea61e85372ed", "variant": "clean", "length_bucket": "short", "chars": 473, "company": "MOHELA", "date_received": "2024-08-23", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Problem lowering your monthly payments", "text_sha256": "ffe5dd3dea61e85372edaac88f33c00a5a773ba2c9bb63df509d9f5153cf0c95", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Back in XX/XX/XXXX, I requested a loan for {$200.00}. I made a payment plan that allowed me to pay one payment of XXXX and XXXX for the rest of the payment every two weeks. I should be done by now, but I just noticed that I am still paying as of XX/XX/XXXX on a weekly basis. On top of that they lied in an additional document that I received {$500.00} from them when I only received {$200.00}. I didn't realize sooner because I thought I was paying my student loans that I owe. Is there any way that I can get my money back?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2949998", "source": "cfpb", "group_id": "cfpb/31fcec90849eb0edfc9f", "variant": "clean", "length_bucket": "short", "chars": 525, "company": "Kashia Services", "date_received": "2018-06-30", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with the payoff process at the end of the loan", "sub_issue_raw": "", "text_sha256": "31fcec90849eb0edfc9f5c6329aad4b37c6c9335b8e26c8757d1537719026500", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I recently noticed a collection in the amount of {$62.00} from XXXX on my credit report. I immediately contacted XXXX and asked for information regarding this debt. I was told by XXXX that they could not speak with me regarding the debt as it has been discharged to a collection agency. They then provided the contact information for the agency Sequium.\n\nUpon contacting Sequium, I explained that I have no records of owing this debt and never received any correspondence indicating such. I then received an email which I have enclosed in this complaint. The email states : Hello XXXX XXXX XXXX, XXXX XXXX, Thanks you for giving this matter the attention it deserves. We want to make sure you are fully informed of the account information and of all of our convenient ways to pay.\n\nYou can review your account online at pay.sequium.com. Please use XXXX as your reference number to log in. Our website has many options, you can make one time partial payments, set up a custom payment arrangement to pay over time, or pay the balance in full.\n\nIf you feel more comfortable talking to a person, do not hesitate to call us! We have friendly representatives ready to assist you Monday through Friday during business hours. Please call us at XXXX.\n\nOr you can respond to this email with your own plan and we will help set that up for you!\n\nIf the reader of this message is not XXXX XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX and permanently delete this message and your reply to the extent it includes this message.\n\npay.sequium.com Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX To opt out of receiving future email communications, click here to Unsubscribe THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.\n\nI then send an email on XX/XX/2024 requesting the validation of this debt, and it reads as follows : Reference XXXX. I do not recognize this debt. I am requesting the original contract bearing my signature to validate this debt. I am also requesting the payment history from the original creditor to show all payments made on this account. Please provide the address and phone number for the original creditor. Also, I am requesting proof of ownership whereas youve been assigned this debt and have legal jurisdiction to collect on this debt. Please send all requested information to address on file. Please cease all collection practices including any credit reporting immediately.\n\nI then receive an email replay that states : Thank you for your email! Please allow up to three business days for your communication to be processed. * If you require immediate assistance, please do not hesitate to contact us via phone during normal business hours.\n\nThis communication is from a debt collector.\n\n*For communication which may fall within one day before or after a U.S. Federal Holiday, however, please allow up to five business days for your communication to be processed.\nCONFIDENTIALITY NOTICE : This e-mail communication and any attachments may contain proprietary and privileged information for the use of the designated recipients named above. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.\n\nOn XX/XX/XXXX, I receive the billing history of 10 days and nothing more. Still no proof of debt ownership, no contract for services bearing my signature, no proof of Sequium being assigned the debt and no proof of legal jurisdiction to collect the debt. Nothing that I legally within right requested other than the bill which is not indication of legal ownership.\n\nI also disputed this debt with the credit bureaus XXXX and XXXX as well as with Sequium. The debt has not been validated nor proved to belong to me as XXXX refused to supply me with the proper original agreement with my signature as requested. They are illegally reporting this account to the credit reporting agencies as I was never billed/received a bill to dispute.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8563708", "source": "cfpb", "group_id": "cfpb/865b9a67259897a1342d", "variant": "clean", "length_bucket": "long", "chars": 4300, "company": "Sequium Asset Solutions, LLC", "date_received": "2024-03-17", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "865b9a67259897a1342d17c0b07edd6e7569e0dfd53bc6ecc1639d17ece8d3e4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Re : The Bank Company Delaying a Fund Transaction.\n\n-- PROBLEM BANK - UNION BANK.\n\n-- The Complainant Sent a Small Amount ( College Tuition ) to the Union Bank, from the Complaint 's External Bank Account, XX/XX/2020, However, The Bank Company, Delaying the Transaction.\n\nREMITTANCE REF XXXX TO XXXX XXXX XXXX USD Kindly Advise the Bank Company XXXX to Review the Process, Conduct the Fund Transaction, At Its Earliest Convenience Please ...\n\n-- Thank You Very Much, We Appreciate Your Business.\n\n-- XXXX ( SS # : XXXX. ) XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3601792", "source": "cfpb", "group_id": "cfpb/199c0a3171d1031745ea", "variant": "clean", "length_bucket": "short", "chars": 588, "company": "MUFG AMERICAS HOLDINGS CORPORATION", "date_received": "2020-04-10", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "199c0a3171d1031745ea8a5b2c31dba6c70d718667023aad054728e27b1a10d9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "It's always been my dream ever since I heard about Tesla to become a Tesla owner well on XX/XX/2017 I design and place my order for Tesla XXXX P XXXX D sports package as required of me I put the {$2500.00} for initial down payment for this vehicle ( see item XXXX ). On XX/XX/2017, my order was confirmed ( XXXX See item XXXX ) also on XX/XX/XXXX Tesla sent email to reset my password ( see Item XXXX ). On XX/XX/2017, I received another email from Tesla about the XXXX service warranty plans a that came up to {$6600.00} ( see Item XXXX ). I have also received my new VIN number ( XXXX ) for my Tesla XXXX P XXXX D ( SEE ITEM NUMBER XXXX ). I then call tesla 's motor company and asked them what should do with the XXXX number, they told so I can look for auto insurance on XX/XX/2017 my Tesla XXXX XXXX is issued by XXXX policy number XXXX ( see item XXXX ) Sometime in XXXX in my Tesla account i was told My Tesla XXXX P XXXX XXXX XXXXs in transport to the Tesla dealer in XXXX XXXX XXXX XXXX XXXX, MD XXXX. At this time it's the waiting period for the delivery of my Tesla XXXX P XXXX D with XXXX number ( XXXX ) I was told to talk with my Tesla Delivery XXXX XXXX XXXX this happen on XX/XX/XXXX at XXXX PM ( see item XXXX ). I have completed everything Tesla ask of me I uploaded Ownership Details, Drivers License back and front and my I showed I put Telsa XXXX XXXX XXXXXXXX on my XXXX policy number XXXX. On XX/XX/2017, receive email FROM my TESLA ACCOUNT that changes MY PASSWORD ( see item XXXX ) ON XX/XX/2017 I sent email to XXXX XXXX asking how do I make payment online he the following from email he sent on XX/XX/2017 at XXXX am You should be able to make payment on your MyTesla Account. ( I will check into this with our team and get back to you so you can make payment ) ( see item XXXX ) I call XXXX XXXX to inform him that all my documents have been upload on My Tesla account. he sent me the email ( see item XXXX ) he told me an email : ( I hope you had an enjoyable weekend. I want to provide an update for you on your beautiful Model XXXX It has finished production and is preparing to be moved to the rail station where it will begin its transit to the Tesla XXXX XXXX XXXX XXXX XXXX As of right now, the XXXX is XX/XX/2017. Please keep in mind that this date could change as your vehicle begins its transit. I sent a delivery introduction email on XX/XX/2017, that had some questions on it. When you get a free moment could you answer some of those questions as they pertain to your registration and method of payment? If you have any questions feel free to reach out to me. My contact number can be found below in my signature. I look forward to getting you behind the wheel of this beautiful Model XXXX ) On XX/XX/2017 I made an AHC payment ( see item XXXX ) On XX/XX/2017 I went to Tesla XXXX XXXX XXXX XXXX to pick-up my XXXX XXXX P XXXX D with Vin number XXXX XXXX ) the gentleman that walk through the first he verify my name and my payment he said everything is good so he showed me my new car as we were talking XXXX XXXX walk up to introduce himself and then walk away shaking his head co-work then ask him was the problem he just kept walking away shaking his head. At XXXX Am drove off with me new my Tesla XXXX P XXXX D with XXXX number ( XXXX ) around XXXX PM I receive a phone Mr.Shawn Ward from a phone XXXX he calls asking to return my new car or he can meet me at my banking institution to give a certified check for the car he kept calling me harassing on numerous occasion. I then call Tesla XXXX asking them about my payment I was told if there was a payment due to MY Tesla account would tell me how much I owed as a payment. But My Tesla account shows how XXXX XXXX 's she then told me if my payment was rejected I would receive an email from Tesla.\n\nI receive the email from Tesla on XXXX XX/XX/XXXX at XXXX AM saying the following : Thank you for purchasing a Tesla. We value your feedback and would like to learn more about your experience. ( see item XXXX ) From XX/XX/XXXX, XXXX XX/XX/2017, I was revising phone calls from the following individuals and phone numbers : I also receive phones call from XXXX XXXX XXXX XXXX and from XXXX XXXX XXXX XXXX ) XXXX telling me to return the vehicle ( see and listen item XXXX ) I also receive email telling me to wire money to a XXXX XXXX bank account Bank Name : XXXX XXXX Bank Account Name : Tesla Motors Inc .\nAccount Number : XXXX Routing Number : XXXX ( see item XXXX ) In this email, there was no billing statement and no paperwork was emailed to me or sent in XXXX Mail as a payment notice this is in violation of Repossession Laws in Maryland.\n\nHarassing phone calls from the Tesla motor group employee by name of caressing and threaten me on the phone or even text messages tell me to return my car or they will come and get this individual did not provide any payment information at all ( see item number XXXX )", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/5439359", "source": "cfpb", "group_id": "cfpb/6650c477064fa4898179", "variant": "clean", "length_bucket": "long", "chars": 4920, "company": "Tesla, Inc.", "date_received": "2022-04-13", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "6650c477064fa489817908bc92002286e9aee25b5712f723f7e8054a74c4eb5a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am submitting a new complaint in regard to Navients, first decision to not respond due to an unauthorized third party being involved in rectifying this matter. There are no unauthorized third parties in this new complaint. Please see my new personal statement below about the series of events that have led to this unfortunate complaint.\n\nI have several personal student loans that were initially dispersed through Sallie Mae but are now billed with Navient. I have made payments toward lowering my debt as income has allowed me for the past several years. As of XX/XX/XXXX, last year, I was laid off from my position as a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX, Georgia. I have sought many jobs, unfortunately with no avail on any of them. My passion has always been to become a lawyer and I have been fortunate enough to secure a spot in an entering class this fall. However, in XX/XX/XXXX, after months of unemployment my finances finally began to thin out. I made the last payment I could afford with Navient and have not had many finances available to pay the minimum they were asking for.\n\nIn XX/XX/XXXX and XX/XX/XXXX, I called and inquired about paying a lower payment until I could get back on my feet and was told, that wasn't possible as the amount I was paying was already the lowest they were willing to accommodate. Fast forward to XX/XX/XXXX, and I received a call from XXXX, who I have worked with several times before to rectify billing issues with Navient. I explained to her that I would be enrolling into law school in XX/XX/XXXX, at which time she informed me that I in fact had some in school deferment that could be used as long as I was enrolled full time. Furthermore, she explained that there was nothing that could be done until I could receive enrollment information from the school. At this time, I agreed that I would call her upon receiving that information. She agreed, and we ended the call.\n\nNow on XX/XX/XXXX at approximately XXXX XXXX I missed a called from someone only identified as XXXX. XXXX left a voicemail in which he stated that he \" had an uncanny way of helping everyone '' and that it was imperative that he speak to me as soon as possible. I woke up from my nap and gave him a call back at ( XXXX ) XXXX on a recorded line, initially he seemed like a decent customer service representative, as I explained to him my circumstance and how the situation with the loan had gotten to this current point. He asked me If there was anyone who would be willing to help me and if anyone was helping with any other bills of mine. He went on to see if there was a consigner on my account, which there is not. When I stated no there wasn't anyone willing to help me, he then became confrontational. He obviously somehow has access to my credit report because he started talking about how I had excessive amounts of medical bills that were also unpaid. He went on to further state that he didn't see any car payments, so he assumed I didn't have a car note. He asked if I had a card with XXXX, which is my credit union and that the bill was {$15000.00} and stated that he noticed that it got paid on time every month. He went on to ask why was it that I could pay my credit card bill and not Navient. At this point of conversation, I felt harassed and violated.\n\nI should not have to deal with someone reprimanding me, making assumptions and accusations about my personal finances, if they are calling about a matter that has nothing to do with said finances. My liberties as a consumer were not upheld with Navient and I want action taken immediately. Someone calling from Navient for student loan billing, should NOT have access to my credit report for the purposes of harassing me about what I do and don't pay to other creditors. I feel that my rights as a consumer have been violated, whether I have an outstanding debt with this company or not. It is illegal for anyone to have reoccurring access to my credit, more so my credit profile without my permission. If it were up to me I would have my debt transferred to a different servicer or completely forgiven, as I do not feel secure in knowing Navient has access to my personal information for the purposes of harassment yet are able to mask it as debt collection. I would like the immediate termination of XXXX, whose alleged work ID is XXXX and his manager, XXXX XXXX ( XXXX ), who saw no problem with his employee 's behavior and was just as unprofessional on our follow up phone call. I would like a response from a board member of Navient after they review the call or else I will seek legal representation in remedying this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2985581", "source": "cfpb", "group_id": "cfpb/b171b23c75208f0b1e3e", "variant": "clean", "length_bucket": "long", "chars": 4646, "company": "Navient Solutions, LLC.", "date_received": "2018-08-08", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "b171b23c75208f0b1e3e5e916da02a4e5e4b4dcd3b36f1e2fbe2bcf872e867b2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had two checking accounts with Wells Fargo Bank. Starting in XXXX and carrying over into XXXX I had several fraudulent charges and/or ATM debit card withdrawals from one or both of my checking accounts. The accounts are XXXX and XXXX. The majority of fraudulent transactions occurred on the account ending in XXXX. I started reporting and seeking reimbursement in XX/XX/XXXX. The reason I didnt report within 24-48 hours was because of the abusive situation I was in. There were several factors : I didnt know the fraud was happening, I didnt have access to online banking at the time, my mental and physical health was compromised and I was unable to act in a rational or timely manner, and I didnt know how to handle all of the fraud of credit cards, bank accounts, and fraud with ISP, mobile carriers etc. I was overwhelmed and had to address each component separately and thoroughly. I got approximately 50 % of the money returned from Wells Fargo. I have had to deal with rude and condescending people on the phone who would ask me questions like why did so much fraud happen? How can you be telling the truth this is too much fraud? I have had Wells Fargo deny many claims saying a PIN number was used therefore it is not fraud. I would like to ask the following question : if my PIN number was used without my knowledge or consent, and money was taken from my account, isnt that fraud? My PIN number was the same on every single card I owned. Secondly, the man who did the fraud told me that he used my fingerprint to open my I Phone when I was asleep, to access PIN numbers and personal information in order to access cards and bank accounts. He is a criminal and should be punished for these crimes. However, Wells Fargo holds me accountable and refused to reimburse me for transactions that were done by someone else. They called me in the summer and said I was a fraud risk and they were closing both of my accounts. I said thats great, this should have been done months ago. In addition the XXXX account was opened in XX/XX/XXXX. At that time I wanted to close XXXX but Wells Fargo said I could not or they would not refund the fraud transactions. Why? If we had closed that account we could have stopped some of the fraud. Yesterday I received a packet in the mail stating that XXXX was still open. Why am I receiving contradictory information? In the summer I was told it was closed, now I find out it was open. I am in the negative for this account, I anticipated a claim being reimbursed for fraud and withdrew money. I accidentally overdrew my account. Once the claim was denied my account was in the negative. I complained to the FDIC and To Wells Fargo many times. If I am insured by FDIC, why is Wells Fargo not reimbursing the funds that were taken fraudulently? Why are they assuming that a PIN number used denotes no fraud? Why have they consistently denied claims? Have they ever talked to law enforcement or the states attorney to understand that what I am saying is true? They rely on a fraud department that has a limited scope of the situation and makes determinations based on a few parameters. They find ways to deny helping a customer. Prior to XXXX, I never had fraud. I never came to Wells Fargo and requested anything.i do not have a history of these claims. The bank manager XXXX and XXXX XXXX at the branch on XXXX XXXX know me and can vouch for me. I came to Wells Fargo with a problem, they gave me additional stress, anguish, frustration, pain and compounded the problem. I have spent upwards of 3 hours at a time on the phone with their agents solving one or two claims. I finally gave up. I lost 50 pounds and my health deteriorated further from the interaction with Wells Fargo. I am deeply disappointed and frustrated with the way they have handled my claims.they sent me a packet of information in XXXX detailing why they dont see fraud on the checking account ending inXXXX. They said they had an investigation done by an independent third party service. What do they want me to do? I have submitted paperwork of identity theft, police reports, court cases. I cant submit anything else. If a customer is willing to submit any paperwork, proof, details to get court transcripts, etc, they are being transparent and honest. Wells Fargo just refuses to do the right thing. I am not Surprised. They have a history of fraudulent practices. They have been fined before and within three years did the same thing again. They sent me a check for {$270.00} as appreciation. That doesnt cover the majority of fraudulent transactions that they denied. I regret doing business with this bank.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3391590", "source": "cfpb", "group_id": "cfpb/ac0bab3a8a6ca88661da", "variant": "clean", "length_bucket": "long", "chars": 4626, "company": "WELLS FARGO & COMPANY", "date_received": "2019-10-01", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "ac0bab3a8a6ca88661daf690afdaf53b7ce8bf568e19680490ed47976b3fc179", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a \" legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from XXXX XXXX XXXX because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only Capital One credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a Capital One bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and Capital One, in which Capital One responded with a letter dated XX/XX/XXXX.\nIn this letter Capital One states \" We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the XXXX XXXX ( XXXX ) with the firm XXXX XXXX XXXX, XXXX on XX/XX/XXXX. This firm was previously called XXXX XXXX XXXX XXXX XXXX. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. Capital One also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XX/XX/XXXXwhich happened to be a secured Capital One credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from Capital One or XXXX XXXX XXXX regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3302232", "source": "cfpb", "group_id": "cfpb/b20c426d2e3fdbcc9189", "variant": "clean", "length_bucket": "medium", "chars": 2429, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2019-07-10", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "b20c426d2e3fdbcc9189dd4f541eabba9b72bd089b16a5b208ba2194e2333549", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, I have been repeatedly contacted by Midland Credit Management several dozen times since XXXX. Midland is attempting to collect a debt for one \" XXXX XXXX ''. I do not now, nor have I ever, known or had dealings with this individual in any capacity. I have owned my current cell phone number for over a decade. I have provided Midland with basic identifying information including my name and address and instructed them to disassociate me from XXXX XXXX, and remove my cell phone number and any other contact information from their system, and to STOP calling me. I also mailed a letter on XX/XX/XXXX instructing them to cease calling me. I have further plans to call back today and request to speak to a supervisor again, and also to mail yet another letter ( certified mail this time to I have evidence it was received ).\n\nBelow are the dates of the most recent nine phones calls from Midland. Each time I pick up I calmly explain to the individual on the line that I do not know Ms. XXXX, have no dealings with her, and that the number they are calling is in no way affiliated with her. Each time they have promised to remove my number from their records, but within a month 's time I will receive another barrage of calls.\n\nDATE TIME NUMBER XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "communication_tactics", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3180789", "source": "cfpb", "group_id": "cfpb/2dd169eb708e7f52eb88", "variant": "clean", "length_bucket": "medium", "chars": 1528, "company": "ENCORE CAPITAL GROUP INC.", "date_received": "2019-03-15", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "You told them to stop contacting you, but they keep trying", "text_sha256": "2dd169eb708e7f52eb8802e6859e6ebd4ca8037ed60f0dfcb45ec5bbe1110184", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I contacted USCB America regarding a medical debt that was sent to them from XXXX XXXX. I went to view the account online via USCB America on XX/XX/year>. I was asked to provide the reference / record ID, Date of Birth and ZIP Code. Upon entering this information 2 records were pulled up to view. Both had the same account #. However, there were 2 different patients names. Mine and another name I was unaware of. It listed a total due for me of {$870.00} on the top line and a total due for the other person on the next line of {$1800.00}. The bottom line showed the Total Payment of {$2700.00} which was the total of both amounts due. Once I saw this I decided to call USCB America.\nI called USCB America and spoke with a Collection Specialist. I immediately advised the collector that Im aware of the {$870.00}, however, the {$1800.00} thats listed is not mine. She said ok and placed me on hold. A few minutes later she came back on the line and asked if I wanted to pay the full balance or make payments. She didnt advise me that the accounts were being separated and I only owed the {$870.00}. Instead she asked for the balance or payments.\nAt this point she is attempting to collect a balance she knows I dont owe. I said I was calling to discuss a XXXX or payment arrangements. I advised her that I believe they have violated the FDCPA. I advised her that I was able to view the other patients protected health information ( PHI ) simply by clicking on the account number that he and I share. I at that point did a Screen capture of their online system. It shows both accounts with same account # tied together and a total payment amount of the 2 accounts combined. I then clicked on both account # s and saved each to my phone. I went as far as telling the collector the other patients name, address, original client and amount owed to prove that I was able to see that information. I then told her that if Im able to see his information he is able too see my information. Im not sure if he has seen my information but Im certain that I saw his. Thats a FDCPA violation. Collectors are unable to release my information to anyone other than myself, my spouse, my attorney, etc. At that time she placed me on hold again.\nA few minutes later a man, I believe is a Supervisor, added on to the call. He immediately advised me of the mini-miranda. He then stated he was made aware of the situation on the account and will be forwarding the account to the Legal Department. He did not explain why the account was being forwarded to the Legal Department, nor did he advise me the accounts will be separated and did not advise me of the balance that I owe. So, I assumed I was going to be sued for the total payment of {$2700.00}. When I heard this, I told the Supervisor that I would like him to inform the Legal Department what I would like to happen. I would like my account and the other patients account taken care of in full, I would like a letter sent to myself and the other patient with an explanation of how this happened and how they plan to handle the matter and I would like myself and the other patient given a fair and reasonable monetary compensation for the FDCPA violations their company committed. I asked for a reply from them by the following Friday, XX/XX/year> at XXXX. I also advised if I dont hear from them I will be filing this complaint with the Consumer Financial Protection Bureau and contacting a Lawyer that handles FDCPA Violations. He said he will note the account and make the Legal Department aware of my requests and ended the call.\nAbout 20 minutes later, the same Supervisor/ man contacted me back and said the Legal Department wanted to know if he could get my email address. After asking for my email he advised me of the mini-miranda. I gave him my email and he ended the call.\nAs of XX/XX/year>, at XXXX, I had not received any correspondence from USBC America or their Legal Department . Therefore, on Monday I began taking the steps I had advised the Supervisor/man I would be taking if I had not heard from them. Today I consulted a Attorneys office that deals with FDCPA Violations. I have not retained their services at this time. I am filing this complaint with the CFPB. I may also be filing a complaint with the Attornys Generals Office of Kentucky, the XXXX XXXX XXXX ( XXXX ) in Kentucky and the Federal Trade Commission ( FTC ). I may send a copy off all complaints I filed with the agencies above, a copy of this complaint, a copy of the screen capture I took showing both accounts listed under the same account # ( obtained from the USCB America online payment system ) and the .pdf documents ( obtained from the same USCB Americaonline payment system ) of both patients bills ( Included on the bills are the patients name address, original Creditor and that amount owed ) regarding this matter to the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. I may send a letter and a copy of this complaint to the other patient involved so they will be aware of what has transpired.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8477952", "source": "cfpb", "group_id": "cfpb/68b94995d76369ddefc2", "variant": "clean", "length_bucket": "long", "chars": 5071, "company": "USCB, Inc.", "date_received": "2024-03-04", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "68b94995d76369ddefc234d0c1bf239c39641feda8be62732f82654cb3d7e485", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On Wednesday XX/XX/2021 I received a CITI FRAUD text message from XXXX asking me whether I attempted to send {$3000.00} with XXXX After I respond NO, a new SMS said that my card was deactivated and someone was going to call me Immediately after, someone called me from CITI FRAUD from telephone XXXX ( Utah ) He indicated that someone did XXXX wire transfers from my account, for {$2500.00} and {$7500.00}. Both amounts were on hold pending my verification. As soon as I would confirm that I was not the sender, CITI would return ( via wire ) the amounts back to my account He also indicated that he needed to deactivate my online banking and reinstate it. At this point he asked for my debit card number Since I did not have it with me, I asked him to call me in half hour, when he did In the new call, I received a new SMS from CITI FRAUD asking me to provide user id for deactivation, then password Although it sounds weird to ask for a password, I was 100 % CONVINCED that the call was valid, because it followed with text messages from CITI. It never occurred to me that both the call and the SMS were fake. In addition, I dont use CITI much and in my account was only {$300.00}. I simply forgot that I have a {$10000.00} line of credit ( overdraft ) Next, I received a new SMS asking me whether I was trying to send a wire of {$7500.00}.\nI told the agent that I wasnt sending any wire, but he assured me that it was CITI sending the money back to me. As such, I responded XXXX ( yes ) When we were done, he asked me not to log in into online banking for XXXX hours After I hung up, I became suspicious and did logged in to my account. At that time, I realized he used my overdraft line of credit of {$10000.00} to transfer {$2500.00} and {$7500.00} to my account and then wire them out. My account had the same balance but now I owed {$10000.00}.\nI called immediately CITI FRAUD and explained the whole story. The agent ( LIA ) explained that XXXX wire ( {$2500.00} ) was not processed but the other wire ( {$7500.00} ) was processed to a recipient named XXXX XXXX She confirmed from me the wire was fraudulent. She also said that I should call CITI Wires to make a recall I immediately called CITI WIRES. The agent ( XXXX ) put a recall request but mentioned that the recall depended on the beneficiary bank. When I asked whether the beneficiary bank was big and serious, she said it was Citibank At that time I got calmer, because Citibank would decide the outcome and would find easily the fraudulent client. Agent said I was going to receive a call or email with the outcome Since then I received no call or communication from Citibank. My card and online access is restricted On XX/XX/XXXX ( I think while I was in the call with the fraudulent agent ), I received several emails from CITI, first to let me know that I set up wire transfers, then to let me know that I added XXXX XXXX, then to ask whether I approved the {$2500.00} and {$7500.00} wires, then to say that the wire for {$2500.00} was cancelled, and then to say that the wire for {$7500.00} was executed ( Wire Transfer Details, Amount XXXX USD, Payee XXXX XXXX, Date XX/XX/2021, Transfer Type Domestic, Reference Number XXXX ). I remember having responded NO to the emails about the wires, maybe afterwards. CITI responded with we got you covered. I am set up for both email and SMS alerts, but only got the emails On XX/XX/XXXX, I received XXXX emails from CITI indicating that {$2500.00} and {$7500.00} have been deposited in my account. I though it was the resolution of the case, but an agent confirmed it was only about the transfer from the overdraft account to my account ( 2 days later? ) I called CITI twice since Wednesday. In both cases I was told that the case was still being investigated ( not in a rush, it appears ), and that my account still shows I owe {$10000.00} The whole situation is nerve wracking As of XX/XX/XXXX, Citibank did not send me any notification. I also don't have access to my accounts and everything is blocked.\n\nNot sure how Citibank is not responding faster to this fraud.\n\nI also made a complaint with the FBI", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5018640", "source": "cfpb", "group_id": "cfpb/4cee0ac76b76e8140ac3", "variant": "clean", "length_bucket": "long", "chars": 4128, "company": "CITIBANK, N.A.", "date_received": "2021-12-17", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "4cee0ac76b76e8140ac3d5e74d08cf6a3a01a7099340da8570f4d68980962008", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking \" knows or consciously avoids knowing the information is inaccurate '' and inserting \" knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .LVNV FUNDING LLC bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/5042052", "source": "cfpb", "group_id": "cfpb/086c3a270137064ae00b", "variant": "clean", "length_bucket": "long", "chars": 5788, "company": "Resurgent Capital Services L.P.", "date_received": "2021-12-26", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "086c3a270137064ae00b9705a2f63ce720948f4ff80e8da52ea542157dd99743", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}.\nAlthough I am not legally required to do so, I am willing to repay the principal balance of this loan.\n\nTo date, I received a deposit of {$900.00}, and have had XXXX bi-weekly withdrawals of between {$310.00} and {$230.00} debited from my account. This results in a principal balance of {$1900.00}. This results in an overpayment of {$1000.00}.\n\nAt this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$1000.00} overpayment. A refund check of {$1000.00} should be mailed to me at the address you have on file.\n\nI hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.\n\nI demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.\n\nI must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office.\n\nI expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.\n\nSincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3576017", "source": "cfpb", "group_id": "cfpb/72e2fb6d9654e8691d44", "variant": "clean", "length_bucket": "medium", "chars": 2392, "company": "Tribal Lending Enterprise, Inc.", "date_received": "2020-03-22", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "72e2fb6d9654e8691d44bdd49c29b54bf183595776b8c13b10c5e5c34aaa1b11", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.\n\nIn the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.\n\nSection 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.\n\nSince you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.\n\nXXXX XXXX XXXX XXXXXXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/10396302", "source": "cfpb", "group_id": "cfpb/5756381f3b9b934643e1", "variant": "clean", "length_bucket": "medium", "chars": 1522, "company": "Experian Information Solutions Inc.", "date_received": "2024-10-09", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "5756381f3b9b934643e10044ee5ce1b0aa32889c1a24f0b236dde63b86ea1d82", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "{$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida.\n\nNo. XXXX. XXXX something dollars to XXXX in Florida.\n\nNo. XXXX. XXXX something dollars to a grocery store in Florida.\n\nI declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like \" Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, \" Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn.\n\nThen I received another text saying XXXX will be refunded to your account. Please respond YES or NO.\n\nResponded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : \" Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay.\n\nAfter about 6, they stopped. The call ended.\n\nI called back TD Bank, they transferred me to the fraud department and said it wasn't them who called.\n\nNow there is nothing TD Bank can do. {$2000.00} was taken from my checking account.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/4622794", "source": "cfpb", "group_id": "cfpb/5ed5226a8f9a506b69ae", "variant": "clean", "length_bucket": "medium", "chars": 1631, "company": "TD BANK US HOLDING COMPANY", "date_received": "2021-08-11", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "5ed5226a8f9a506b69ae5097f04a2e4301b5a02cfeee7309e46106e27909dde6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "earlywarning makes it VERY TEDIOUS AND DIFFICULT to request a \" free '' report. Fill in paper form and upload to password account. They make Zelle easy to use but throw roadblocks when consumers want information from them", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9777478", "source": "cfpb", "group_id": "cfpb/757f2829c9e515173599", "variant": "clean", "length_bucket": "short", "chars": 221, "company": "Early Warning Services, LLC", "date_received": "2024-08-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Confusing or missing disclosures", "sub_issue_raw": "", "text_sha256": "757f2829c9e515173599dbe923ee16462de2b1364fe4e363cbf7f88fe0a7e749", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ally lending falsely released funds to XXXX XXXX XXXX for unfinished/and substandard work. XXXX XXXX XXXX was hired on XX/XX/2021 to replace the plumbing throughout my home. XXXX XXXX ( representative for XXXX XXXX XXXX ) informed me that funds from the loan would not be released until XXXX XXXXXXXX XXXX completed the work. I was told by XXXX XXXX that the job would be complete in approximately a day and a half. On XX/XX/2021 the water was shut off and all of the plumbing was removed from my home. Garbage was thrown on my lawn were it remained for a month. The work remains incomplete. Ally lending release the funds to XXXX XXXX XXXX on XX/XX/2021. Ally lending have been made aware of the situation but have continued to pursue me to pay this dishonorable debt.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5392872", "source": "cfpb", "group_id": "cfpb/9cc950863e4ac293515b", "variant": "clean", "length_bucket": "short", "chars": 769, "company": "ALLY FINANCIAL INC.", "date_received": "2022-03-31", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "9cc950863e4ac293515b379d0fe226e1a964f5bc6cf9c99dc7b9bb58c0757ba5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I bank online with Simple Bank.\nI had 6 fraudulent charges on my account by XXXX that posted XX/XX/XXXX were for the following amounts : {$0.00}, {$54.00}, {$1.00}, {$100.00}, {$210.00}, and {$2.00}.\nI called Simple Bank on XX/XX/XXXX to report fraudulent activity regarding numerous unauthorized charges from XXXX.\nAt the time i called, the charges were pending. When I spoke to the support person they were able to tell me that the charges coming from XXXX. They said that they would forward the information to the fraud/investigation department and to look out for a response from them. The fraud department asked me to send any documentation that I had. Since I did not make this transaction, I had no documentation to provide.\n\non XX/XX/XXXX I received the following message from XXXX of Simple Fraud and Disputes department : \" Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. The reason ( s ) for denial : -The cardholder provided access to a third party, who exceeded the authority given. '' I can only assume that they were referring to the fact that my live-in partner of 7 years uses my card.\n\nOn I sent an email on XX/XX/XXXX and then on XX/XX/XXXX, I sent the following email : \" Dear Fraud Investigation Expert, I emailed the following message on XX/XX/XXXX, but havent even received confirmation that my message was received. I would really appreciate knowing that I am a valued customer and that this is being taken seriously. Can you please forward this to whoever needs to see it and give me some sort of communication to let me know what the status is?\n\nDear Fraud Investigator, I called to report fraudulent activity regarding numerous unauthorized charges from XXXX.\nAt the time i called, the charges were pending. When I spoke to your support person they were able to tell me that the charges coming from XXXX. They said that they would forward the information to the fraud/investigation department and to look out for a response from them. The feud department asked me to send any documentation that I had. Since I did not make this transaction, I had no documentation to provide. The 6 charges by XXXX that posted XX/XX/XXXX were for the following amounts : {$0.00}, {$54.00}, {$1.00}, {$100.00}, {$210.00}, and {$2.00}.\n\nI received the following message from XXXX of your Fraud and Disputes department : \" Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. The reason ( s ) for denial : -The cardholder provided access to a third party, who exceeded the authority given. '' This makes no sense to me whatsoever. As experts in fraud investigation, I'm certain that you are aware that the several small charges on my card are red flags for fraudulent activity. I can only assume the the third party that is mentioned as exceeding authority given refers to my girlfriend.\nMy girlfriend and partner of 7 years makes most of the payments and purchases with my card. I shared this with your support person on the phone call when I notified Simple of the unauthorized charges. The FTC limits consumer responsibility for fraud as follows ( as I'm sure that you're aware ) : ***If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it : If you report : Your maximum loss : Before any unauthorized charges are made. {$0.00} Within 2 business days after you learn about the loss or theft. {$50.00} XXXX I'm disappointed in the response from the fraud department and would appreciate my money reimbursed, per FTC regulations. Failing that, I am requesting more detailed response that shows due diligence and rationale for the decisions made on the part of your fraud department.\nThere were also 2 (? ) fraudulent charges from XXXX made the same day, which we included in our original call regarding fraudulent charges, but they never cleared.\nThank you for your prompt attention in this matter, \" I have since called Simple numerous times requesting updates. Simple will not connect me to the Fraud Investigation department and customer service tells me every time that they will email me when they have an update. I have not received any updates of any kind, other than to acknowledge that I have sent communication regarding the fraudulent charges.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3744968", "source": "cfpb", "group_id": "cfpb/7d825cd04445fd7f2216", "variant": "clean", "length_bucket": "long", "chars": 4610, "company": "BBVA FINANCIAL CORPORATION", "date_received": "2020-07-14", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "7d825cd04445fd7f221635bc3491e7d62aa474182a5eeb8400542de02cf5eb3a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Name XXXX XXXX XXXX XXXX Incorrect DOB XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9424632", "source": "cfpb", "group_id": "cfpb/8fa33fc0dc0cc5a28c89", "variant": "clean", "length_bucket": "medium", "chars": 1316, "company": "EQUIFAX, INC.", "date_received": "2024-07-04", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Problem with personal statement of dispute", "text_sha256": "8fa33fc0dc0cc5a28c89649967f2c46d59a9c6f1fbae54c92768cfb9a6b89690", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).\n\nPART 1016- PRIVACY OF CONSUMER FINACIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 - Purpose and scope.\n\n1016.1 Purpose and scope.\n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.4 - Initial privacy notice to consumers required.\n\n1016.4 Initial privacy notice to consumers required.\n\n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.\n\n( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.\n\n( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.\n\n( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.\n\n( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( i ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.\n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.\n\n( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.\n\n( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.\n\n( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.\n\n( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.\n\n( 3 ) Definitions For purposes of this subsection, the term StXXXX means any State or territory of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.\n\n( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.\n\n( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX.\n( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.\n\n( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).\n\n15 U.S. Code 6804 - Rulemaking ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title.\n\n( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7.\n\n( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ].\n\n( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter.\n\n( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of State insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies.\n\n( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5.\n\n( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).\n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.\n\n( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.\n\nPer 12 CFR 1022.3 - Definitions.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8054596", "source": "cfpb", "group_id": "cfpb/c5fd86a87e7ac4e4646e", "variant": "clean", "length_bucket": "long", "chars": 17197, "company": "PNC Bank N.A.", "date_received": "2023-12-25", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "c5fd86a87e7ac4e4646e6fd55ae268dae3eac27c9f979bed5bf017070f4cd74e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On ( XX/XX/XXXX ), I notified this financial institution that I found several violations in our retail installment agreement from the consumer credit transaction that took place at the XXXX XXXX XXXX XXXX XXXX XXXX dealership on ( XX/XX/XXXX ), where I obtained my vehicle ( XXXX XXXX XXXX XXXX XXXX ). Due to the violations I found, I included in my notice sent that I am exercising my right to rescind our agreement pursuant to 15USC1635. This section of the law states I have 3 days from the date of the transaction and 3 years after the transaction to exercise my right to rescind. After I sent you my notice of rescission, I tendered the property obtained during this credit transaction to Ally Financial from the dates of ( XX/XX/XXXX ) - ( XX/XX/XXXX ) at my physical address located at ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). Ally Financial never provided my rescission disclosures that are mandatory under Truth In Lending or came to pick up the property tendered.Today, ( XX/XX/XXXX ), a third party company, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, took nonjudicial action and stole my property without a court order, which is a violation of 15USC1692f. In my notice, I also exercised my nondisclosure option pursuant to 15USC6802 ( B ) that was not provided to me by your financial institution at the date of this consumer credit transaction. Ally Financial had no right to disclose my personal information to anyone. Under Article 8 of the UCC, The vehicle obtained through this consumer credit transaction was paid for in full with my finance application, which you also failed disclose before the retail installment agreement was initially signed. The total cost of the property obtained, shown in our agreement is {$33000.00} that I never received from Ally Financial. Since ( XX/XX/XXXX ), I paid Ally Financial a total of {$3400.00} in cash transactions under advertisement of false information by your company when my signature and social security paid off the full amount. According to 15USC1611 Criminal Liability for willful and knowing violation ; Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate theannual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Pursuant to this section, Ally Financial failed to disclose that your financial institution made me a third party to an investment contract on the date of this transaction ( XX/XX/XXXX ). Ally Financial also failed to disclose my right to rescission pursuant to 15USC1635 at the date of this transaction and the interest your company profited off my security instrument without my knowledge or authorization.I am the original creditor in this credit transaction and according to Congress, Ally Financial or any financial institution shall not breach written agreements, use false and misleading advertisement and act without written authorization or the alleged borrowers knowledge, to transfer actual cash value from the alleged borrower to the bank, and then return it back as a loan while collecting interest. As shown in our original agreement, the cash transaction or downpayment of {$1000.00} was required by the car dealership XXXX in this consumer credit transaction which is a violation of 15USC 1662 ( 2 ) ; 15USC1605 ( c ) and 15USC1611 for advertising false information to a consumer when a finance charge does not include any cash transactions, but the sum of all charges for the property. According to 15USC1692 F - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. My property obtained in this transaction, that my signature paid for in full on ( XX/XX/XXXX ), was stolen from me by a third party company named XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX XXXX due to the actions your financial institution took to violate my rights. Pursuant to 15USC 1635 ( B ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION Ally Financial was given 20 days from my Rescission Notice sent on ( XX/XX/XXXX ) to pick up the tendered property from XXXX XXXX XXXX XXXX and failed to get the property. The law clearly states that ownership of the property now vests in the obligor without any obligation on my part to pay for it. Your violations listed in my original rescission notice sent on ( XX/XX/XXXX ), with the laws referenced, void our agreement and I revoked my signature on agreement your company may have on file. Since my property was stolen from me by a third party, I am hereby, demanding the title of the vehicle and the original instrument of indebtedness from Ally Financial, as I am the rightful holder. Ally Financial must contact the third party company, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, that you had no right to disclose my info to pursuant to 15USC6802 ( B ), stole my property without a judicial order, with a notice to release the vehicle. Your company policy and everyday business practices are FRAUDULENT and against the law! Failure to release the title of the vehicle to the rightful holder, ( my signature paid it off ), send a notice to the third party who stole my property to release my vehicle from their yard, and compensate me for the damages caused by your financial institution within 10 days of the receipt of this certified notice shall result in legal action against your company for all violations committed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/9010957", "source": "cfpb", "group_id": "cfpb/aa02009c4fee1665f512", "variant": "clean", "length_bucket": "long", "chars": 6383, "company": "ALLY FINANCIAL INC.", "date_received": "2024-05-14", "product_raw": "Vehicle loan or lease", "issue_raw": "Repossession", "sub_issue_raw": "Damage caused or loss of personal items in vehicle during the actual repossession", "text_sha256": "aa02009c4fee1665f512e94795485f867da4ff4cf3fcd81157213b95f686053e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The company portfolio recovery has violated the following actions : Communication tactics- Back in XXXX I received a phone call from a female rep and requested that they do not contact me regarding this debt due to the offensiveness and repeated phone calls over and over again, sometimes after XXXX.\n\nThreatening to sue : despite me requesting they do not contact me any further, this month, XXXX, I received a phone call from a male rep who i also informed I have requested to not contact me by phone. Contacting me by phone violates debt collection code and is damaging to my reputation and causes me emotional distress. He stated I should know they intend to sue me and he proceeded to call out several addresses ( none of which are mine ) stating they will be mailing their intent to sue to each of the addresses on file. To include an address I stayed at for 3 months for a temporary job assignment in XXXX California in XXXX. The stay was an XXXX but I had to supply the address for XXXX XXXX in California for my XXXX XXXX XXXX XXXX. This violates my right to privacy. They also threatened to send the letter to my parents home which is also a violation of my privacy.\n\nI filed this same complaint against portfolio recovery for impersonating a Law official and showing up to someones home which was not mine with papers pretending to serve me. They have called my father and disclosed private information saying they will sue me in court. Only one account under portfolio recovery was discharged and they continue with their harassing tactics. And continue to violate these practices.\n\nThey are also attempting to collect a debt that is over 7 years old. This debt originated illegally in XX/XX/XXXX with XXXX who then sold the debt to XXXX XXXX, who then sold the debt to Portfolio Recovery. It is now XX/XX/XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4755335", "source": "cfpb", "group_id": "cfpb/14df3f2695d3a9fa0bff", "variant": "clean", "length_bucket": "medium", "chars": 1828, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2021-09-26", "product_raw": "Debt collection", "issue_raw": "Threatened to contact someone or share information improperly", "sub_issue_raw": "Contacted you after you asked them to stop", "text_sha256": "14df3f2695d3a9fa0bff1714abd862844472c86d0777f1b2fb41a0b6de2ba1dd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A company continuously charged my account without my consent. I filed a complaint with cc company and they reversed the charge for it do be back reversed. I paid for services i never received. I was supposed to get one hour of XXXX every week. Four of the weeks I was there at XXXX XXXX XXXX i recurved no therapy. I was to be issued a refund but they never gave it to me. I paid deposits that were also never refunded. I was discharged against my will from their program. I had paid for four weeks of treatment i never received. Citi put the burden on me to prove they didnt provide me with the service they clearly did not provide. I did not willingly leave their program. They ended the contract on their terms meaning I should be refunded 100 % of all payments made. They charged my CC 3 times without my authorization. They scammed me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3136555", "source": "cfpb", "group_id": "cfpb/76d1dbe7509ebd001831", "variant": "clean", "length_bucket": "short", "chars": 841, "company": "CITIBANK, N.A.", "date_received": "2019-01-29", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "76d1dbe7509ebd0018314df83547213dd14ee684f5170c473baeb56d284ccc8e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX status of XXXX XXXX and my XXXX XXXX XXXXf not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX status from military service related XXXX and XXXX related issues.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4453894", "source": "cfpb", "group_id": "cfpb/c05e936d1e1b006e5930", "variant": "clean", "length_bucket": "short", "chars": 808, "company": "Bread Financial Holdings, Inc.", "date_received": "2021-06-11", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "c05e936d1e1b006e59304d5f5335e3e7e8e28fcb737340a6f67469233f703d3b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My name is XXXX XXXX XXXX.As of XX/XX/XXXX, i hired Arete Financial to assist me in the student loan forgiveness program. I was lead to believe that this company would assist me in making the right financial decisions regarding my XXXX Student loan, which was not in default. I made immediate payments to Arete for $ XXXX/biweekly for 3 months, with continued payments of $ XXXX/monthly direct withdrawal from my banking institution. Arete sent an email stating i was approved for IBR at $ XXXX/monthly. Arete then filed for a forbearance in XXXX of XXXX and again in XXXX while payments was deducted for them at XXXX/monthly. I never authorized the XXXX forbearance, and it was completely not necessary. That forbearance put me in this position with XXXX which is showing on my credit 107 days late. This decreased my score by XXXX points.I asked Arete what was i paying them for? XXXX informed me that no payment was originally due to them XX/XX/XXXX. By Arete not making the right professional decisions, this has left me in default and kept me from closing on my home XX/XX/XXXX. The credit report was updated XX/XX/XXXX. Arete also intercepted any communication from my orginal creditor by giving them a bogus email address I am very upset as a single parent. I feel like i been taking advantage of.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3185964", "source": "cfpb", "group_id": "cfpb/caf376de85601064b19a", "variant": "clean", "length_bucket": "medium", "chars": 1304, "company": "Arete Financial Group", "date_received": "2019-03-20", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "caf376de85601064b19a0e05ac2975f5fe4c76f3c59bf34804222c3c375fa46c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This loan is with Santander Consumer USA. My vehicle was repossessed in XXXX of XXXX. The vehicle was sold off, and the balance put forward onto my loan amount as per our lending agreement. However, after this, there was a remaining balance of about {$2000.00}. I was struggling financially but was able to make a settlement agreement of a one-time {$1200.00} payment in XXXX of XXXX. I sent the payment in three money orders : 2 for {$500.00}, one for {$200.00}, all packaged in the same envelope, and I saved the receipts. They now say they only received the 2 {$500.00} money orders and not the 1 for {$200.00}. Despite this, all three receipt tracking numbers show they were cashed on XX/XX/XXXX.\n\nBecause the agreement expired, they are now saying I owe additional money on the account. Ive spoken to their customer service on numerous occasions, faxed the receipts over twice, but theyve requested that I pay money to order a front and back copy of the money order. This is absolutely unfair because they were the ones who lost the payment.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6755347", "source": "cfpb", "group_id": "cfpb/e18bbd10c1db61a6551c", "variant": "clean", "length_bucket": "short", "chars": 1047, "company": "SANTANDER HOLDINGS USA, INC.", "date_received": "2023-03-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "e18bbd10c1db61a6551c988f37ac43648b533fa2a574f68fd32963232c30e38d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This complaint concerns PayPal , Inc. and its policy of impounding and sequestering customer funds and converting the funds to its own use without advance notice to or permission from the customer.\n\nI have been a PayPal user for XXXX years, signing up for the service in XXXX, a mere XXXX years after PayPal was founded in XXXX on the advice of a friend who was then working for PayPal.\n\nDuring that XXXX yearshundreds of transaction have passed through my account, including receipt of funds in amounts as large as {$20000.00} and more from my customers.\n\nIn XX/XX/XXXX PayPal instituted a policy of impounding and sequestering money from user accounts if it \" suspects '' that that a transaction may involve some sort of risk to PayPal. How it assesses that risk is a mystery. In its User Agreement under \" Holds, Limitations, and Reserves '', PayPal states : \" We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions .... We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. '' Here is how it is done : Based on its risk assessment, PayPal decides on a maximum amount that may be paid into an account by an account-owner 's customer. Any amount over this maximum is seized and impounded for 21 days. While it is impounded, Paypal uses the money for its own account, as it admits in its User Agreement : \" PayPal ... combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments .... PayPal owns the interest or other earnings on these investments. '' How is the risk determined? We don't know. PayPal indicates three factors it considers : - New sellers or sellers who have limited selling activity.\n\n- Payments for higher-risk categories like electronics or tickets.\n\n- Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes.\n\nBut other factors play a part. PayPal identifies these factors only as \" ... confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. '' I am a XXXX XXXX, not a high risk seller of electronics or tickets. I have been with PayPal for XXXX decades, so I am not a new seller with \" limited selling activity. '' I have never had a dispute with a customer that affected PayPal in any way in my entire history of dealing with PayPal.\n\nSo, if PayPal identified the complainant as involved in a \" high risk '' transaction, they there is an obvious problem with the criteria by which PayPal assesses risk, whatever that secret criteria may be.\n\nPayPal places the funds limit restriction of a user 's account without notice to the user or an opportunity to appeal the limit. The first time a user finds out that a funds limits has been imposed is when his funds have already been impounded. Then and only then does PayPal reveal that there is a funds limit and the amount of that limit.\n\nIn my case, the funds limit was {$5000.00} received in any one month. ( The term \" month '' is not defined or explained. I don't know if it measn a calendar month, an arbitrary 30-day period or some other period. ) I found out about it only after PayPal had seized and impounded nearly {$1000.00}.\n\nI use that money to pay subcontractors and vendors, so not having access to the sequestered funds can be a real burden, virtually ensuring that at least some of my payments will be late.\n\nHad I known about the {$5000.00} funds limit in advance, I would have made arrangements for payment other than PayPal. My bank uses XXXX which is cheaper than PayPal although a little more trouble to use.\n\nThe only option that PayPal gives me now is to go back to my customer and ask him to confirm to PayPal that the work he paid for is done and done satisfactorily. If I do this, PayPal says it will release the Impounded funds.\n\nOf course this request would immediately suggest to my customer that sometimes my work is not done or not done satisfactorily, otherwise why would PayPal be asking for such confirmation? This is not the sort of notion I wish to suggest to my customer, so I will not do anything so incredibly stupid.\n\nI respect the fact that PayPal needs to protect itself from unscrupulous users whose actions may costs PayPal money, but the company should do it the right way.\n\nFirst, it should notify users when a funds limit is placed on the user 's account and explain why it is being imposed. Not some general statement like \" we have determined that you may be a risk '', but the specific risk factors that lead to its decision.\n\nSecond, PayPal should institute an appeals process that permits a user to dispute the funds limit and provide information possibly unknown to PayPal that would suggest there is no substantial risk. No such process now exists.\n\nThe only option PayPal now offers is requesting that the funds limit be raised -- not removed -- just raised. I tried that and it does not work. I never heard back from PayPal regarding my request for a raise.\n\nThird, if PayPal is going to impound and use my money for its own account, it should be paying me interest on the impounded funds.\n\nWhen I asked for specifics about why a limitation was placed on my account since I have none of the risk factors identified by PayPal, a spokesperson for the company informed me that despite the absence of such factors, there was still the \" possibility '' of a problem with the transaction.\n\nOf course, there is a possibility. There is always a \" possibility. '' And if the true criteria is that there is may be \" possibility '' of a risk, then all PayPal user accounts should be funds-limited. They all have the \" possibility '' of risk.\n\nI will keep my PayPal account. It's handy for buying stuff from XXXX and the like, but I will NEVER AGAIN take a customer payment through the company. I get a better deal from XXXX with no possibility of a funds impoundment without prior notice.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5657639", "source": "cfpb", "group_id": "cfpb/77d0ae6fc5f3bf965a8a", "variant": "clean", "length_bucket": "long", "chars": 6258, "company": "Paypal Holdings, Inc", "date_received": "2022-06-10", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "77d0ae6fc5f3bf965a8a70c9b79f09f14803233eed1274c33c02131ced43f8f5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap.\n\nOnce again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB VIOLATIONA AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED TO BE REMOVED.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8765318", "source": "cfpb", "group_id": "cfpb/6aa3a4659726b2d575f5", "variant": "clean", "length_bucket": "short", "chars": 570, "company": "Experian Information Solutions Inc.", "date_received": "2024-04-14", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "6aa3a4659726b2d575f56375d3c107ecefee194812837662f7a8c3d21e98d615", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear XXXX XXXX, ( CC : Consumer Financial Protection Bureau, IL Attorney General, XXXX, Department of Justice ) This letter is being sent to you in response to your XX/XX/XXXX Debt Collection attempt on the debt I purportedly owe to XXXX. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\n\nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nPlease provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; provide me a proof of purchase of my debt, if any, as required under UCC 203 Art. 9 ; or explain based on which authority you can collect from me. Please provide me a copy of retainer and a confirmation sale of my purported debt to MB & W by XXXX. Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.\n\nPlease be further advised that on XX/XX/XXXX and XX/XX/XXXX I demanded XXXX to validate this debt due to my concerns of identity theft and unjust enrichment by XXXX.\n\nBased on recent report from the Senate, XXXX is engaged in the wide-crime spree which caused reasonable concerns how XXXX uses my personal information ; who collects the debt IF this debt exists. I also suspect that XXXX uses my identity to back their bogus derivatives/credit default swaps to obtain unjust enrichment in the amount of 15-20 times more that my debt. It is not a secret that Big Banks sell securitized borrowers personal information without borrowers knowledge and consent to receive enormous profits in average 12-15 times more than the amount XXXX PAYS to obtain an intangible license to sell derivatives masqueraded as a credit card debt. It creates a contract for SERVICES provided by ME to XXXX ( such as issue a Promissory Note ) which XXXX used in their securitization scheme where I am entitled for royalties from all trades as XXXX XXXX.\n\nPlease note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy certificates backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment.\n\nPlease explain based on which evidence you concluded that I owe anything to XXXX and not XXXX owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need without fair compensation. Based on my estimate, XXXX received at least {$22000.00} revenue by selling my securitized data to investors who are NOT my creditors ; while only retuned me {$1500.00} as a one-time payment for issuing a Promissory Note based on which XXXX sells their derivatives and other unregulated securities. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$4500.00} ( minus {$1500.00} would be {$3000.00} owed to me by XXXX ).\nPlease provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by XXXX in accordance with GAAP. Was it placed as a receivable to XXXX account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on XXXX balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the XXXX balance sheets? Is this new ASSET came from me, as a borrower, thus XXXX owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded by XXXX Please state if my promissory Note was securitized and sold to investors for cash and how much profits XXXX received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed XXXX to use my name, signature and reputation to trade on the open market as a security to generate profits. XXXX got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting.\n\nI respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in XXXX bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once XXXX provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character.\n\nIf your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.\n\nAlso during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.\n\nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.\n\nI would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.\n\nIt would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.\n\nBest Regards, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3716853", "source": "cfpb", "group_id": "cfpb/abdd63d284d897fa4baa", "variant": "clean", "length_bucket": "long", "chars": 7720, "company": "McCarthy, Burgess & Wolff, Inc.", "date_received": "2020-06-25", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "abdd63d284d897fa4baa132869a75471441f97ab881d9e29becd4a4157ec6c3e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX and XXXX. This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.\n\nI am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a\ncopy of verifiable evidence within XXXX days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case.\n\n1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.\n2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.\n3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.\n4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.\n5. 15 U.S. Code 1666b - Timing of Payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.\n6. This account was CLOSED.\nXXXX XXXX Account Number : XXXX Please remove it from my credit report.\n7. The following personal information is incorrect Former : XXXX XXXX XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 10. The following personal information is incorrect Former : XXXX XXXX XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 12. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 13. The following personal information is incorrect Former : XXXX XXXX XXXX 14. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 15. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Thank you for your cooperatioN", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8163225", "source": "cfpb", "group_id": "cfpb/d3428adbefbf1a821fb9", "variant": "clean", "length_bucket": "medium", "chars": 3492, "company": "EQUIFAX, INC.", "date_received": "2024-01-16", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "d3428adbefbf1a821fb9e853e8e007249e3c9bbe4ff76893ffdec3c7c2f3958f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/1957880", "source": "cfpb", "group_id": "cfpb/60fa2ceb2888983b31ce", "variant": "clean", "length_bucket": "medium", "chars": 1269, "company": "SLM CORPORATION", "date_received": "2016-06-08", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Keep getting calls about my loan", "text_sha256": "60fa2ceb2888983b31cef38c622b37a710d16119f3b843ae1ef42a750f68c9ad", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To whom it may concern, ( CEO/person of highest authorities ) I, XXXX XXXX XXXX The consumer and obligor has noticed a billing error. XXXX XXXX, The creditor, has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? They have took negative action furnishing this negative account on my consumer report with the credit bureaus without my permission and consent. I have asked multiple time nicely for them to fix this issue and they claim the bureaus were working on it. However its has been way longer than expected and every time I call them they act delirious and ignorant to what I have been asking them I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe. According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nThe creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b.\n\nWhat is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a late, missed, or past due balance exist if my signature on my application for credit is payment of the debt? According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.\nEvery account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldnt my account statement show a negative XXXX XXXXXXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}?\nNone of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps.\n\nAll debts public and private are the obligation of the United States. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ) .According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.\nI am now requesting a refund of ALL payment paid AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. I have blindly paid this debt twice. The creditor has fraudulently and illegally double dipped on payment of this debt. The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt. According to 15 USC 1692J Furnishing certain deceptive forms States The creditor has been racketeering and extorting money out of I, XXXX XXXX the consumer/obligor ) several times. This is totally illegal and they could go to jail for this. According to 18 USC 1961 Definitions States However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 10 days of receiving this notice. If my request or not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 10 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account.\n\nKind Regards, XXXX XXXX", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/5989675", "source": "cfpb", "group_id": "cfpb/089ae27651f55bbdc276", "variant": "clean", "length_bucket": "long", "chars": 6555, "company": "CCS Financial Services, Inc.", "date_received": "2022-09-16", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened or suggested your credit would be damaged", "text_sha256": "089ae27651f55bbdc276df9a8031cfc88fadc7df9f9814e345d2150b698d2526", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To whom It May Concern - I have used Venmo to transfer money to family and friends - only three individuals.\n\nLast Tuesday on XX/XX/2022, a old friend was without funds while waiting for a reverse mortgage was in need of money, so I attempted to transfer {$200.00} to her email address. Her email address is \" XXXX XXXX XXXX XXXX ''. I sent it to \" XXXX ''.\nwhen I realized my mistake, I searched online for a Customer Support phone number to rectify the situation. The number I called was XXXX XXXX.\nOn this call, I first got the same preliminary recorded message that I got when I called them back yesterday when I noticed all the debits from my account.\n\nthe person on the other end of the conversation asked to remotely join me on my phone. They first said they needed to verify who I was. They asked for me to send someone I knew some money and then have them return it.\nOf the three individuals that I have used Venmo with before ( two are my offspring and one is my daughter 's boyfriend ), my daughter and son both work during the day and my daughter 's boyfriend works at night and was sleeping.\nThey insisted that I text my son and wait for a response. then they asked me to try the others. I said that I did not want to do that and disturb them while they were working or sleeping. but they told me to try anyway.\nI finally got a response from my son and I transferred money to him. He texted me that he saw the transfer, and transferred it back.\nThey individual on the phone asked me to try someone else in order to further verify who I was. So I tried my daughter 's boyfriend but he did not respond.\nSo the next request was to send money to addresses of people I did not know and to type in the message the word \" Verify ''. I did this. Then they requested that I try several other addresses of people that I did not know.\nAfter a while, all the money in my account was depleted and the requests were refused by the bank.\nAfter that, they asked me if I had other accounts I could use. I have credit cards with several large banks such as XXXX, XXXX, and XXXX XXXX, but no bank accounts. They tried to get funds from those accounts but were refused.\nthen I was transferred to the \" business department ''. this guy said that they were going to give me a Business credit card. and again he tried my credit cards. I told him I was not interested in a credit card, so he gave me what was supposed to be his name - XXXX XXXX and said he would call me back at XXXX XXXX since I needed to get back to work.\n\nBecause they were remotely viewing my actions, I could also see the responses on my phone. They were directing me as to what symbols, words, etc... to write or tap, but all this was directed move be move be them. I was doing this from my car because I was working in the field that day, and could see the phone number on my digital read out screen.\n\nAt one point, we were disconnected. I got a call back from a phone number in XXXX XXXX. That number is XXXX.\n\nMy call must have been hacked or transferred to someone within their company who is taking advantage of the supposed support that customers are supposed to receive. I called the same phone number that is shown on Venmo 's website, After I saw that none of the people whom I did not know were not yet showing on my Venmo account, I called Venmo again at the same number and the response was that I should have emailed them. I asked to speak to a supervisor of the agent I was talking to and at first, he said that was impossible. when I insisted, he finally put me through to another individual who said something to the effect of \" You know how it is these days, everything can get hacked! '' He could see all the transfers and named them off to me.\n\nI have lodged a complaint with the Federal Trade Commission and gave them all this information. I mentioned that if they called the New York phone number right away, they might catch these people. I did receive an email back form them that I had lodged this complain.\n\nI am contacting you because I myself and other friends have gotten satisfaction through your efforts.\n\nVenmo is owned by Pay Pal and they have protection for this kind of fraud. They say if the money goes to an incorrect but valid email, they have no recourse, but there is no one else with that email address.\n\nThank you for your efforts, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/5446464", "source": "cfpb", "group_id": "cfpb/0598edbd91f429112d97", "variant": "clean", "length_bucket": "long", "chars": 4364, "company": "Paypal Holdings, Inc", "date_received": "2022-04-14", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "0598edbd91f429112d9719f3311d884c36a28e92bff11864a5163086d877c2f7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On tuesday XX/XX/XXXX at XXXX I got an email from my bank account capital one stating We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity.\n\nBased on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file.\n\nWhen I called the number that was provided to me Ive gotten a voicemail informing me to leave my name my account number and they will listen to my voicemail and reach out if necessary within 48 business days so I did that.I then contacted the customer service department right after and they transferred me to the account security department I spoke to them and they informed me that they were ending the banking relationship and that my funds will not be available for withdrawal. I then informed the representative that I have a direct deposit coming from the IRS for my text refund and I wanted to know if that deposit will be rejected or it would be deposited they informed me that deposit will not be rejected. She then stated that I may call back on the XXXX and they will unrestricted count as a one time courtesy for me to withdraw funds because my ATM debit card is still active. I then proceeded to ask how much am I able to withdraw she then told me that she does not know the ATM withdrawal limit so she put me on a brief hold and she then told me that I am able to take up to {$2000.00} out at the ATM On XX/XX/2023 I called the account security department for them to on in restrict the account for me to withdraw funds The representative XXXX proceeded to tell me that I am unable to withdraw funds for up to {$2000.00} because there are pending claims on my account. He didnt put me on a brief hold for about 20 minutes and came back to tell me that I am only allowed to withdraw up to {$270.00} because the Claims I mailed it to {$3300.00}, I told him that I do not owe Capital One money because those claims have not yet been settled. He then told me that he can not unrestricted the account for me to withdraw any of those funds because of the claims on the account now from my understanding unless you owe money to Capital One, they can not restrict you from getting your funds out of the account. Yes, I received temporary credits for the Claims, but the claims are still pending research so I do not. oh, any money to them which they stated they will not close my account they just have my account restricted. I then proceeded to state their policy to XXXX, but he will not listen to me, and will not on restrict my account for me to withdraw funds in their policy. If my account is closed or theyre ending the banking relationship, they have to mail any remaining funds to me as a check or transfer those funds to my external account. If I do not owe any money if I do owe money, they will take the money from those claims that have been settled and then mail me a check of the remaining funds or send it to my external bank account. As of right now I do not owe Capital One any money and they are holding my funds and not closing my account out until the Claims have been resolved none of the Claims have been resolved they are all pending. I then stated to XXXX while Im in distress crying to the representative XXXX that please do not take all of my money. I even stated the policy and I also stated in the email I received when I filed the claim it states If your account is closed during the investigation, we reserve the right to reopen it to remove the temporary credit depending on the result of our investigation. If your account balance becomes negative because of this action, you'll be responsible for the balance.\nWe may contact you if we need additional info and we'll be in touch with the outcome of our investigation. when I read that back to XXXX, he did not acknowledge that he proceeded to then tell me that he is not unrestricting the account for the full amount. I am only allowed to unrestricted for {$270.00} and that is it so he then unrestricted the account I took out XXXX Ive been proceeded to call back to speak with someone different. because the previous representative XXXX upset me to the point where he had me crying over the phone. I even filed a complaint with Capital One about that representative. XXXX Then also unrestricted the account for me to take out {$400.00} which I did and then they put the restriction back on there. I also stated their policy and the email I received when I filed a claim and they still ignored it. I then proceeded to ask for a manager so they put me through to a manager. Her name was XXXX. She then was very biased against me. She also use the racial slur against me and she proceeded to kept telling me that she will not be on restricting the account for me to get my remaining funds out of the account even though she told me that I do not owe Capital One money theyre just claims that are just pending outcome so as of right now I do not owe Capital One money I also stated multiple times that you guys are ending the banking relationship, so you need to close the account. They told me that they will not be closing the account. They were restricting the account for any funds being withdrawn until the claims have been resolved, which in my opinion is it illegal if the account is still open that I have the right to close the account still", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6615885", "source": "cfpb", "group_id": "cfpb/a0f59680c7592b08fa55", "variant": "clean", "length_bucket": "long", "chars": 5575, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2023-02-25", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Can't close your account", "text_sha256": "a0f59680c7592b08fa55854c7a1622a70c10d88dfb426e6b0d7f623ce4ade949", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2019 there was a charge made in my account from XXXX XXXX XXXX in the amount of {$180.00}. When I noticed the transaction I contacted Capital One and explained to them that this was an unauthorized transaction. They opened a claim and issued me a temporary credit on XX/XX/2019. On XX/XX/2019 the credit was reversed. I contacted the bank to find out what was going on because I hadn't received any correspondence regarding this claim. They told me that they contacted the company and they had my name, email, and address and that the claim is closed as being valid. I asked for the contact information for the company and when I contacted them they said that this charge was for an online school. I explained to them the same as I had explained to my bank and they told me that my bank had closed the claim in their favor and that there was nothing that they could do. the letter decision/non-factual conclusions based on circumstantial \" evidence '' which draw no conclusions of FACTS regarding this matter is what Capital Oneis using as a reason to not refund my money. I previously stated to Capital One, that I did not benefit from these transactions Capital One 's unverified conclusions were based solely on circumstantial papers or hearsay. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Capital One has a duty to replace the funds taken from the XXXX XXXX 's account.\nSincerely, XXXX XXXX, Account beneficiary All rights reserved XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3301080", "source": "cfpb", "group_id": "cfpb/63ec6513183d88a8e500", "variant": "clean", "length_bucket": "medium", "chars": 1569, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2019-07-09", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "63ec6513183d88a8e5005df9458edac1e32503bab9195c7993cbbe53ac0f7946", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Unfair lending practices, charging of erroneous fees, inflating balance over the years with the ending balance going up while making payments on time. I have complete documentation and a letter that is being sent to Navient regarding this situation that I would like to send. As it goes step by step.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2038700", "source": "cfpb", "group_id": "cfpb/2e8ed5b8f914d50ac7bf", "variant": "clean", "length_bucket": "short", "chars": 300, "company": "Navient Solutions, LLC.", "date_received": "2016-07-30", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Received bad information about my loan", "text_sha256": "2e8ed5b8f914d50ac7bf68dd60f6b34a7b10fc4b7922e9ddb2ed6f20d0fc00d8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Thousands of dollars went missing shortly after opening a checking account with Wells Fargo national bank XX/XX/XXXX. on XX/XX/XXXX I received a notice for collection because my account was closed with Wells Fargo and I was indebted to them for {$310.00}. I am unable to open a checking account with any bank because of this.\n\nI noticed several issues when I opened my checking account.\n1- I was pressured to open a savings account as well at the time of opening my checking account. I never wanted a savings account, yet the employee opened one anyways.\n2- I was unable to access my account for at least a week after I opened it. When I inquired - the response I received was that the online system is down and I would not have access to my account.\n3- During the period my account was open, I noticed my address listed on the account was an old address when I used to live in Ohio XXXX However, I opened this account in Florida and have n't moved back since.\nI believe there was grave mismanagement of my account by Wells Fargo and I am requesting an investigation. This mismanagement has caused my account to incur overdraft fees because of bounced checks, late fees, and overdraft fees.\nMy repeated requests to Wells Fargo went unanswered.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2287985", "source": "cfpb", "group_id": "cfpb/b1d77d6f8169bea4fa01", "variant": "clean", "length_bucket": "medium", "chars": 1249, "company": "WELLS FARGO & COMPANY", "date_received": "2017-01-13", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "b1d77d6f8169bea4fa011963ceb5cab582b3f751f0d5333bb88119c5d40a3e4f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint.\n\nI XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Springleaf XXXX XXXX XXXX d/b/a/ OneMain Financial. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act by Springleaf XXXX, XXXX XXXX OneMain Financial on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Springleaf XXXX, XXXX XXXX OneMain Financial with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }.\nSpringleaf XXXX, XXXX XXXX OneMain Financial is now civilly liable to pay me for the damages.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4936776", "source": "cfpb", "group_id": "cfpb/751d66f7f0625347ccc9", "variant": "clean", "length_bucket": "short", "chars": 911, "company": "OneMain Finance Corporation", "date_received": "2021-11-22", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "751d66f7f0625347ccc93f657dbbfecb77fc4284e09d8bc2cc4eaeb2c935b0b3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A CitiMortgage rep told me my new payment would take effect in XXXX 2016 when I called them to inquire about the start of the new payment. I made payment in XXXX 2016 for the new payment total. On XXXX XXXX, 2016 I received a letter dated for XXXX XXXX, 2016 informing me my mortgage account was in default and had been reported to the Credit Bureau. I had never received any notification of this issue prior to this letter. I called CitiMortgage to find out what this was about and after discussion found that the rep had misinformed me of the new payment start date. The new payment was actually supposed to start in XXXX 2016. The supervisor I was speaking with verified through checking previous notes that the rep I spoke with did misinform me of the new payment start date and apologized for this mistake. She said she would submit a request to the Credit Bureau to have the report corrected. Citimortgage has since decided not to make anything right with this situation and has refused to send me any documentation on this issue or remove the late payment from my credit report. The company falsely reported information to the credit bureau and is also causing my current refinance I am going through to fall through due to the late payment report from CitiMortgage on my credit report.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2082940", "source": "cfpb", "group_id": "cfpb/ce4b6aad3f76f40fb79f", "variant": "clean", "length_bucket": "medium", "chars": 1293, "company": "CITIBANK, N.A.", "date_received": "2016-08-26", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "ce4b6aad3f76f40fb79f33fa000bfcbe61ee5e01805ace8727790a17a72bea99", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "As I was looking over my files, I do not see a contract between myself, XXXX XXXX and the company : Exeter Finance. Can you please produce a contract that you- Exeter Finance and I, XXXX have signed that states you offered me anything and that there were securities and goods exchanged?\n\nAlso, on a contract that I received from XXXX XXXX, it states that a contract was given over to Exeter Finance Corp. Can you elaborate on what is your company 's correct name please?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/6390736", "source": "cfpb", "group_id": "cfpb/07321d02acbfd0092152", "variant": "clean", "length_bucket": "short", "chars": 471, "company": "Exeter Finance, LLC.", "date_received": "2023-01-03", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with fees charged", "text_sha256": "07321d02acbfd00921521c49ba98e0c86efbc29f66895d8f15a698b4f6ee9c8c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. Additionally I had made payments prior to the knowledge of their fraud pursuant to the following laws ; TANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.\nPrimary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.\n\n( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.\n\n( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.\n\n( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.\n\n( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.\n\n( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).\n\n( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.\n\n( ii ) The consumer 's name and mailing address.\n\n( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.\n\n( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.\n\n( v ) The name of the creditor to whom the debt currently is owed.\n\n( vi ) The itemization date.\n\n( vii ) The amount of the debt on the itemization date.\n\n( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.\n\n( ix ) The current amount of the debt.\n\n1006.14 Harassing, oppressive, or abusive conduct.\n\n( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.\n\n( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.\n\n1006.18 False, deceptive, or misleading representations or means.\n\n( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.\n\n( b ) False, deceptive, or misleading representations.\n\n( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.\n\n( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).\n\n( iii ) Any individual is an attorney or that any communication is from an attorney.\n\n( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.\n\n( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.\n\n( vi ) Accounts have been turned over to innocent purchasers for value.\n\n( vii ) Documents are legal process.\n\n( viii ) Documents are not legal process forms or do not require action by the consumer.\n\n( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.\n\n( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.\n\n1006.22 Unfair or unconscionable means.\n\n( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.\n\n( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.\n\n1006.30 Other prohibited practices.\n\n( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.\n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\n5 U.S. Code 552a - Records maintained on individuals", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/7521591", "source": "cfpb", "group_id": "cfpb/2623a0dfa4ac3d8c29d2", "variant": "clean", "length_bucket": "long", "chars": 7921, "company": "CCS Financial Services, Inc.", "date_received": "2023-09-08", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "2623a0dfa4ac3d8c29d281968c3073e45413715d743d7c913e45fcb2b6246b50", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been trying to work with them since XX/XX/XXXX/XX/XX/XXXX to do a deed in luid. They keep saying its pending then they say they have everything and then they have not got anything from me. I have emailed the documents to them. Everytime I call I get a different answer and I have requested a manager to call me and no one will call me. Im going through a divorce and trying my hardest to prevent the foreclosure ( they said is on hold ) right now but they are making it impossible. I feel at this point they dont want to help me or work with me and just want to foreclosure on my home. I have called them over 100 times in the past couple of months and have emailed as well. They also had a company go into my home to Secure it as they say but this company went in and pushed everything to the middle of the room and covered it with plastic paper. But while doing this they damaged my property in my home!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3692641", "source": "cfpb", "group_id": "cfpb/3fcca8dacb4c330e2b3f", "variant": "clean", "length_bucket": "short", "chars": 912, "company": "Onity Group Inc.", "date_received": "2020-06-10", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "3fcca8dacb4c330e2b3ff6b7ae06dfa344e193aaa898d47f6ef56ba9c7b8b2c1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} ) ; FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} )", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4872931", "source": "cfpb", "group_id": "cfpb/3081af6d3184c21ce1bc", "variant": "clean", "length_bucket": "short", "chars": 621, "company": "AES/PHEAA", "date_received": "2021-11-03", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "3081af6d3184c21ce1bc341b5aac941dc34d94b205fada67afaa23415ed9049c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Mohela has taken over XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Mohela has STILL not certified my payments made to XXXX XXXX prior to XXXX taking over in XXXX. I contact XXXX XXXX and they informed me that all payment information was sent to XXXX and Mohela.\nBecause of the NEW PSFL rules, I currently do qualify for forgiveness, but this must be done before XX/XX/XXXX.\nIt is obvious to me that Mohela is attempting to postpone the certification of older payments until after the deadline in a effort to prevent my loan from qualifying for XXXX.\nI know there are many others out there with the same problem and I bed the government to get involved and force these companies to comply.\nUnfortunately my old student documents were in storage during and were lost in California wildfires. I am now unable to get copies of these old documents.\nI hope any one else with this issue will contact CFPB.\nThank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/6110102", "source": "cfpb", "group_id": "cfpb/e2987a1b9a82f3f562d1", "variant": "clean", "length_bucket": "short", "chars": 910, "company": "MOHELA", "date_received": "2022-10-20", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "e2987a1b9a82f3f562d168f3d82c42590b048ddbf414389e3af239f7ef0d423a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Previously I had been dealing with XXXX and XXXX ( I believe that was the name of the other woman ), and both were very nice and cordial. This past week, I have been receiving phone call after phone call from a man whose name is XXXX. He has been very rude and hostile on the phone, and calling 7-8 times a day, plus calling my work, even after I had told him he can not contact me on the work line ( Tuesday, XXXX ). It is not to be used for personal phone calls, and yesterday afternoon ( Friday, XXXX ), he called my work yet again, and was disrespectful, and threatening the individual who answered the phone. He was hostile and using profanity, and threatening him and would not identify the name of the company he was calling from. This is by far unacceptable, and every phone call received and outbound is recorded. I would be happy to provide the recorded conversation if necessary. I am now possibly going to have to face consequences for him continuing to call the work lines, and his hostile behavior towards another employee. I have never had any issue with anyone other than XXXX, and nobody else has behaved in this way until now. It could possibly jeopardize my employment with my fairly new job. How does he expect me to catch up on my payments if I were to lose my job due to his behavior, and continuing to call the work lines. This is unacceptable and I am not comfortable discussing anything further with him.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3396831", "source": "cfpb", "group_id": "cfpb/d780129039bcb2ae22a7", "variant": "clean", "length_bucket": "medium", "chars": 1429, "company": "VEROS CREDIT, LLC.", "date_received": "2019-10-05", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "d780129039bcb2ae22a77e61c984bd21cb2f7c7391729eaa8b80be2ec79a87d5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Nelnet is my federal student loan servicer. On XXXX XX/XX/XXXX, I returned to school full time graduate student status. The school sent proof of my full time status for deferment. Nelnet discriminates against me and refuses to place my loans on deferment until I finish school.\n\nI spent many hours on the phone with Nelnet and uploaded completed and signed deferment form from my school. After 5 months of asking and begging for them to help, my loans continue to be in repayment and not deferment.\n\nI applied for deferment and uploaded proof of student full time status with XXXX XXXX XXXX XXXX XXXX on the Nelnet website in my account. This is what Nelnet requested to process my application. Here are the dates when I submitted completed deferment applications and uploaded the required information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8135468", "source": "cfpb", "group_id": "cfpb/b62925bd845b3b0f3ff9", "variant": "clean", "length_bucket": "short", "chars": 885, "company": "Nelnet, Inc.", "date_received": "2024-01-09", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Can't temporarily delay making payments", "text_sha256": "b62925bd845b3b0f3ff9ebab57d360e1edf5cb752b67feb273327ee7993a8f79", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX, I entered into a credit agreement with XXXX credit card company for a 24 month period. The initial amount of the loan was {$18000.00} for an initial interest free period. The remaining balance in XX/XX/XXXX was {$6500.00}. At the end of the 24 month period an interest rate of {$6300.00} was applied. There was a reminder on the last statement that the date for the payment in full was XXXX XX/XX/XXXX, however, in the midst of the Covid pandemic ( with colleagues and childrens school impacted ) I did miss the deadline in the statement which I never opened. I have offered to make the XXXX balance payment in full 11 days late to avoid the exorbitant interest charges but Comenity bank are not willing to entertain it at all despite escalation. This seems very unlike all other institutions most of whom offer flexibility given the global pandemic we find ourselves in.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "fees_or_interest", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3638070", "source": "cfpb", "group_id": "cfpb/1f71cb141c8246563f4e", "variant": "clean", "length_bucket": "short", "chars": 886, "company": "Bread Financial Holdings, Inc.", "date_received": "2020-05-05", "product_raw": "Credit card or prepaid card", "issue_raw": "Fees or interest", "sub_issue_raw": "Unexpected increase in interest rate", "text_sha256": "1f71cb141c8246563f4e11fe4450a46241abcd14b391c0711cfb61f457af0419", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Quicken loans offered me a low cost loan product to secure a deposit and lock in my business, only to later to tell me I did not qualify even though nothing of my financial, credit, or employment situation had changed.\nStarting in XXXX/XXXX/XXXX, I began sending Quicken Loans my documents in order to get a loan estimate after the initial pre-approval. I filled out all the required forms and answered all their questions truthfully. Out of all the prospective lenders I had spoke to, they where the only ones who could secure me a conventional loan as a XXXX ( XXXX ) in the middle of a transition to XXXX. Every other lender said they could offer me a FHA loan with simply proof of employment, but their underwriting guidelines required me to show proof of income in the form of XXXX based pay stubs in the last 30 days to qualify for a conventional loan. Quicken loans however, told me they did not have this paystub requirement to qualify for the conventional loan. Naturally, I asked the Quicken loans Senior Mortgage Banker XXXX XXXX ( XXXX # XXXX ) to double check with his underwriters to ensure this my employment situation would not be an issue. He assured me that they would not need pay paystubs, and offered me a loan product with only {$250.00} in origination fees, and over {$2000.00} in lender credits.\nOn XXXX/XXXX/2016, I signed an \" intent to proceed '' to move forward with them and paid a {$500.00} deposit formally initiate the process. As the underwriting process had started, and I sent them all my documentation. All appeared to be in order, they said there were no issues with my documents and only a few documents were remaining- an employment offer letter, and proof of payment to the IRS XXXX\nThe problems began as soon after the appraisal was ready on XXXX/XXXX/2016. It was very strong- the purchase price for the home is {$200000.00} and the appraisal came back at {$280000.00}. Two days later, on XXXX/XXXX/2016, I get a call from Quicken Solution consultant XXXX XXXX ( XXXX # XXXX ), who said they could not finance me because of my \" temporary employment situation. '' Nothing had changed, and there was no new discovery made. They simply talked to my employer and she told them exactly what I had said all a long- that I was in transition from a XXXX paid consultant to a XXXX paid staffer. I told him I could have my employer right a letter stating my employers desire to keep me as an indefinite/permanent employee which XXXX replied he would check with his underwriters and get back to me.\nOn XXXX/XXXX/2016, XXXX informs me they are not going to be able to finance me without the 30 days of XXXX paystubs- the same requirement every other lender was very upfront about in the beginning of the process. Now we are two weeks into the process and with nearly two weeks to close, XXXX XXXX counters with an other loan product, an FHA that has substantially higher origination costs and significant less lender credits, costing me rough {$3000.00} more out of pocket to close. When I ask why they are higher, I get no answer. Quicken used dishonest bait and switch tactics to acquire my business, have me pay the deposit and once we 're far along in the process change the loan product to something more expensive without giving me any clear reason as to why.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "applying", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1802986", "source": "cfpb", "group_id": "cfpb/60082319dc2bd4636910", "variant": "clean", "length_bucket": "medium", "chars": 3300, "company": "Rocket Mortgage, LLC", "date_received": "2016-02-24", "product_raw": "Mortgage", "issue_raw": "Settlement process and costs", "sub_issue_raw": "", "text_sha256": "60082319dc2bd46369107146376d2bcadcdab681ecb1f2caff7d4d9fef973bbc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, XXXX XXXX XXXX account is { {$580.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6603663", "source": "cfpb", "group_id": "cfpb/5af8e55a9754b35ff9f4", "variant": "clean", "length_bucket": "long", "chars": 20914, "company": "SYNCHRONY FINANCIAL", "date_received": "2023-02-22", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "5af8e55a9754b35ff9f49aa567b88ba7565f4a0e2a5bfbe21d496a70711a7b10", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX I moved and started new internet/cable service with XXXX. They did a hard inquiry into my credit on XX/XX/XXXX, which I did authorize.\nTwo weeks later I received a notice that all of my services had been discontinued and I needed to contact XXXX to set back up. On XX/XX/XXXX I called XXXX to reinstate the service they cancelled for no reason and without my authorization, they ran my credit and put another hard inquiry on my report.\nOnce I realized this error at the beginning of XX/XX/XXXX, I disputed the second hard inquiry from XX/XX/XXXX with Equifax, the reporting agency, and they told me the dispute had to be with XXXX and that they weren't able to resolve.\nAfter the response from Equifax I contacted XXXX and after several weeks they told me they had submitted a deletion request to Equifax to remove the second hard inquiry on my report.\nIt has been over a month and this hard inquiry is still showing on my credit report, thus hurting my credit score. It seems that XXXX isn't doing their part and Equifax isn't taking responsibility to remove the incorrect/unauthorized inquiry. It would be very helpful if CFPB could reach out to the necessary company to have this hard inquiry removed from my Equifax credit report. Thank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2817042", "source": "cfpb", "group_id": "cfpb/bf90b269d02e1d5d8995", "variant": "clean", "length_bucket": "medium", "chars": 1263, "company": "EQUIFAX, INC.", "date_received": "2018-02-16", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "bf90b269d02e1d5d89957ff7472c8bf5402a7cec41502241118756a20ca90e55", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "received a payment request from Ed financial services. Have not had a loan with them in over XXXX years. My loan was paid in full XXXX years ago. Tried to email and was blocked. The number also does not give a customer service rep. This is fraudulent activity. This needs to be dealt with immediately", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/8653073", "source": "cfpb", "group_id": "cfpb/4c75a7ca8789a6bbac8a", "variant": "clean", "length_bucket": "short", "chars": 302, "company": "EdFinancial Services", "date_received": "2024-03-29", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "4c75a7ca8789a6bbac8a83eab48c553029aa32d376587b81911c066f16e06a23", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been a good customer of Bank of America for 9 years. I have my social security check directly deposited monthy since XXXX. In early XX/XX/XXXX bank of america sent me a text regarding suspicious activity on my account. There was fraud being committed.by a person in XXXX Georgia. I advised the representative that this was not me making this transaction. There was 3 or 4 more faudulant transactions during XX/XX/XXXX and the bank locked me out of online banking until I called them to discuss these attempted transactions. I spoke with the rep in the fraud department and advised that these additional attempted charges and XXXX were not mine. On XX/XX/XXXX, I received a letter from bank of america stating that there was suspious activity on my account and my online banking was locked until I called the number on the letter. I called the number on the letter at approximately XXXX XXXX. PST. I was put on hold for several minutes until a rep answered I was then transfered to another rep and then another. I literally spent 28 min on the call. The last man I spoke was very polite and apologized for me being transferred 3 times and stated he would unlock my online banking, cancel my old compromised debit card and send me a new debit card. He also said me could reactivate my online banking. I went online later that day and my online banking still was not letting me log in. I called the bank again, the phone number the other agent gave me earlier in the day and reached another representative. This woman was rude would not listen to me. From her tone it appeared that she believed I was being deceptive and was giving other people my bank log in passwords. She stated that she was closing my account. I told her NOT to close the account that I have my social security check being directly deposited the next day on XX/XX/XXXX. She advised I could go into the branch on the XXXX and get my money. On XX/XX/XXXX I went to the XXXX XXXX and spoke with XXXX. XXXX XXXX advised me my account was closed and that I would not get my social security money on the XXXX. XXXX advised for me to come back on Friday the XXXX. On Friday the XXXX, I went into the bank and XXXX XXXX again assisted me. She called the fraud dept and after speaking with then she again said my account was frozen closed and I could not have my funds.She XXXX put the rep on speaker phone who told me that Bank of America closed my account and that their banking relationship with me was over and they would never do business with me again. The same rep on the phone also told me if the bank were to give me my funds they would mail me a check in 5 days. I told them I needed my social security money becuse that was my only source of income and I had rent and bills to pay..The branch manager, XXXX then came into the room and said unfortunantly there is nothing she could do as far as releasing my {$1900.00}. I was sickened to the point i came down with a terrible headache. I went home and went to bed suffering severe emotional distress. I had paid a credit card payment online that was going through on the XXXX and 2 other bills as well. On that day later in the afternoon, I called the XXXX number I had been called regarding the fraud. I spoke with \" XXXX ''. XXXX advised that my funds were available and that I could go to the branch and withdraw them. XXXX said if I had any issues to have the bank give them a call. I went to the bank again a 10 mile one way drive for me. The teller advised that my account was frozen closed and I could not withdraw them. I called the fraud dept as I was standing there at the teller window and spoke with someone other than XXXX. This person advised that I could NOT withdraw my money. I then called again as I was standing in the bank before the teller and this representative stated I could withdraw my money. The teller then told the rep on the phone that on her end my account was frozen and I could not get my money. The rep told this teller that she needed to go to a different screen and push the override button. The teller followed her instructions and the teller then was able to give me my money. The experience caused me to get sick. I have health issues with my XXXX and I was worried I would have to go to the hospital. My credit card payment was rejected which caused my payment to show late and I was charged a {$25.00} late fee. 2 more bills bounced from my XXXX XXXX account and I was charged two {$35.00} NSF fees totaling {$70.00}. I pay some bill from my XXXX XXXX account becuse I deposit money on the XXXX of each month when my social sercurity is depostied. As a result of Bank of America 's reprehensible conduct I suffered humilation severe emotional distress and now my credit is impacted. I am in utter disbelief in how they treated a good customer. I have alway had a good standing with this instiution since I started my banking relationshiip with themin XXXX I had to borrow money for groceries and to put gas in my truck.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "closing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/9463960", "source": "cfpb", "group_id": "cfpb/21eb885256665d71ffd0", "variant": "clean", "length_bucket": "long", "chars": 4988, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-07-09", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "21eb885256665d71ffd080cd8cfaf514ce2bffefc5e45a85eea6b1b2dad5e5e2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I trust this letter finds you well. I am writing to address significant concerns and seek clarification regarding my recent experience with Credit Acceptance. Since the commencement of our contract, I have encountered multiple instances of confusing and misleading information, prompting my need for regular communication with your team.\n\nOn XX/XX/XXXX, my XXXX XXXX XXXX was repossessed, and I subsequently paid {$740.00} for its release. To ensure the lawful security interest in my vehicle, I conducted a XXXX XXXX search with the Secretary of State in New Jersey, where I reside and acquired the vehicle. The results of this search revealed no liens on any of my property, including the aforementioned vehicle. I have enclosed a certified copy of this report for your reference.\n\nAs stipulated in our contract, Credit Acceptance is supposed to have a security interest in my vehicle until the debt is fully paid. However, the absence of a lawful security interest, as indicated by the XXXX XXXX search, raises serious concerns about the accuracy and transparency of the information provided in the contract.\n\nAdditionally, I believe Credit Acceptance may have engaged in unfair practices, possibly violating 15 USC 1692 ( f ) regarding nonjudicial action to effect dispossession or disablement of property. Subsection ( A ) of this regulation explicitly states that taking such action is impermissible if there is no present right to possession of the property claimed as collateral through an enforceable security interest. Given the results of my XXXX XXXX search, it appears Credit Acceptance may have violated this provision.\n\nI am committed to resolving this matter amicably and seek your prompt attention and cooperation. I kindly request a comprehensive response addressing the following : Verification of Credit Acceptance 's lawful security interest in my vehicle.\nAn explanation of the discrepancies identified in the XXXX XXXX search results.\nClarification on the amount paid for the release of my vehicle and any associated charges.\nConfirmation of the steps taken to rectify any potential violations of consumer protection laws.\nI value a fair and transparent resolution to these concerns and trust that Credit Acceptance shares this commitment. Your prompt attention to this matter is appreciated.\n\nThank you for your understanding and cooperation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/8066420", "source": "cfpb", "group_id": "cfpb/8e3f75d4db97e2f4436f", "variant": "clean", "length_bucket": "medium", "chars": 2375, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2023-12-28", "product_raw": "Vehicle loan or lease", "issue_raw": "Repossession", "sub_issue_raw": "Damage caused or loss of personal items in vehicle during the actual repossession", "text_sha256": "8e3f75d4db97e2f4436f2fda2a65db5a90b599cb3347baa4356b35f37a7f2d84", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Been an ongoing problem with both XXXX XXXX XXXX and DriveTime. Can't get straight answers from anyone of them. One company says one thing and the next says the total opposite. When I had filed first complaint I had asked for documentation when I I was supposedly told that when I had my other vehicle bought back from them that I wasn't't able to get the 6 plus months of payments back because I had been driving the vehicle and it was for the time I had driven the vehicle and I would only be able to use my original {$600.00} down payment to get into another vehicle. At the time I was fine with that because it was my understanding that the 6 plus months of statements would be reported to the credit bureaus so it wasn't like the 6 months never happened. Come to fine out after signing for my new vehicle I wasn't entitled to the 6 months of payments and that I wasn't going to get my 6 plus months of payment history suited to the credit bureaus hense me getting a higher interest rate on my new vehicle. They dod give me documentation that I agree is my signature that state that they wouldn't report my 6 months of on time payments to the credit bureau but doesn't have any document and they can't produce one that states I was aware of not getting my 6 months of payments either back or put towards my new vehicle. When asking for this document I was told that it was a verbal agreement hence they didn't need a document for this. SO next issue is they said they had audio of me agree to this verbal agreement and upon asking for it said I couldn't get it. So Getting royally screwed. I didn't sell myself a lemon they did. It has been an ongoing fight for the past 6 plus months. I was offered a reimbursement check form DriveTime ( I know now ) for Tint to be reapplied to my new Vehicle and for floor mats not given to me on my new vehicle. I had declined the Floor Mat reimbursement because was a waste of time for something I had already purchased while fighting them over my other issues. When I was sent my reimbursement check I was promised it was to be delivered before I had to leave out of town on business and I would really need it so I would have money for my business trip. It happened to fall on the week I had to make a payment to them and had threatened them I wouldn't pay it until I had my check in hand. Lucky I did pay it but at a cost to me on my business trip. I have never missed a payment and that one included but my check didn't arrive until Monday after I had already left out of town on business. When I contacted them back after getting back on business, that is when I had found out the reason it was late was because DriveTime had been dragging their feet. I had given them the allotted time of two weeks but to me it was done out of embarrassment and so things be done on their terms not mine. I am fed up with how they are doing business and are doing nothing but hurting me and future business with them. I am a customer of good standing and I am being treated like this? Same company that was fined by you all couple of years back for over {$6.00} XXXX dollars you would thing they would have learned there lesson but apparently not. They also ended up contacting me at the end of business day last Friday to let me know there isn't anything else they could possibly do to help me out any further. The person I had spoken to last in the DriveTime customer relations department after telling me we had a verbal agreement and I had asked for a copy of set conversation which Im not denying was said but needed for my records so If I was to get a lawyer involved would do it for me. So this is how its going to be I guess. I have 6 years of payments to them to pay my vehicle off and will complain until my voice is heard and get whats mine. I want my 6 months of payments back because like I had stated I didn't sell myself a lemon they did. I have also filed a complaint with the Maryland State Police Safety Enforcement Division to have there license revoked for selling a lemon vehicle and basically having a vehicle pencil whipped for an inspection which in any state is a big no no. Upon my own research because at the moment I can't afford an attorney in the State of Maryland, it is called Statue of Frauds where a verbal agreement of over {$500.00} is to be in written format not just formal so I believe I'm entitled to my money back now. With companies are blaming the other one for these issues and I don't care just want my money back fo r my hassles.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2978377", "source": "cfpb", "group_id": "cfpb/868bb28e11422978ed6b", "variant": "clean", "length_bucket": "long", "chars": 4507, "company": "DriveTime", "date_received": "2018-07-31", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Confusing or misleading advertising or marketing", "text_sha256": "868bb28e11422978ed6b66f15f573a61a23978c5b722617e4c234ca61eb15b5f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My lender RUSHMORE, had violated almost every right in the home owners bill of rights. I submitted a modification package they XXXX XXXX service. Transferred me to RUSHMORE, not once have I spoke to my rep, in loan mods. They said the package wasn't received in time, they have a filter on the amount of data they can receive, I sent the package in 2 sections, they say it's incomplete, throughout they have dual tracked my loan, my daughter was hit by a car I missed court but had a PhD medical excuse, I had to refile my XXXX they sold my house without checking the XXXX filing after I told them I filed, i owe XXXX XXXX they say I owe XXXX because of their fees.\nI'm a 30 day period the changed my payment 5 times, the attorney without authorization raised my interest to XXXX when the cap on my modification is 4 %.\nDuring the pandemic they refused to grant me me a forbearance, for over a year the have applied undue influence upon my family causing such duress my daughter has been placed 3 separate times for 2 week periods of XXXX in the last 3 months, she still suffers daily from psychotic episodes. For a year they have tried anything to make our home unaffordable. All my escrows are caught up I'm behind {$8000.00} in XXXX. But they are penalizing me {$23000.00}. For year they have objected to my XXXX while I paid {$700.00} extra to catch up. They use multiple servicers to act in a predatory manner behind the veil if their Servicers XXXX XXXX pulled my mortgage out of the XXXX XXXX pool and privatized it to allow them to skirt forbearance and actively forclose my equity all while I'm waiting delays in Soc Sec XXXX review. They act in a usury fashion all the while their henchmen over at RUSHMORE sit on their UNPAID TARP ASSETS IN THE TUNE OF XXXX XXXX dollars of unpaid loans to he AMERICAN TAX PAYER. They should be shut down for there predatory actions and be forced to pay restitution to all the homeowners they have illegally foreclosed. Thank you for your time and consideration in this matter, anticipating your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/4901625", "source": "cfpb", "group_id": "cfpb/fc15ff1b2ff2dcd5e47b", "variant": "clean", "length_bucket": "medium", "chars": 2089, "company": "RUSHMORE LOAN MANAGEMENT SERVICES LLC", "date_received": "2021-11-11", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "fc15ff1b2ff2dcd5e47bb87ff971809f8b5d05531c9d564cdfa664116022fe3a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXXXXXX XXXX XXXX Hello TransUnion & whomever this may concern.\n\nI am writing to request a goodwill adjustment to my credit report for my former account with XXXX XXXX XXXX XXXX ) that reflects a XXXX0-day late payment. I have done all I can over the last eight months with both XXXX and your team. XXXX has continued to refuse to take any responsibility in this matter or show ANY ounce of understanding. It has been extremely frustrating.\n\nI will re-explain the circumstances here surrounding this situation in case you dont show the full details in the disputes Ive submitted with you-all. I respectfully ask for you to remove this late payment from my report, or alternatively, to remove the entire account if that is the most viable option.\n\nI was exposed by a friend to XXXX XXXX XXXX ' designed by-in-large to help clients like myself build their credit. I already had a strong credit profile with you & each of the bureaus at XXXX, but saw this as an opportunity to continue to grow. It has been a DISASTER now winding up in the position I have, and I could not regret more having started this with XXXX.\nThis SINGLE late payment on my credit profile, the ONE & ONLY negative/derogatory entry on my credit history PERIOD, is now costing my wife and I the ability to achieve a huge life XXXX, purchasing our first home.\n\nI called in on XX/XX/XXXX to process my monthly payment with XXXX and made an attempt to set up autopay so that I no longer had to worry about manually processing my payments of {$83.00} each month. The gentleman I spoke with helped me submit my payment and informed me that I needed to set up autopay online, as he was not able to on my behalf. I believed the payment was successfully processed through their system so I moved on with my life, but unfortunately it was not. It was submitted, but not actually processed.\n\nAs it turns out, XXXX does not accept payments from BUSINESS ACCOUNTS, which is what I attempted to pay with. I was not aware of this because XXXX rep failed to communicate this to me. XXXX says that this is NOT something they are required to communicate in their questioning or disclosures when processing payments. I must be the XXXX person this has happened to who has tried to utilize a business account with XXXX to make a payment, so I can not understand why they would let such a common and important stone go unturned. This SIMPLE communication not being part of such a large bank 's policy/disclaimer doesn't make any sense, as business accounts are estimated to make up 10-20 % of ALL bank accounts in the US.\n\nThe reality is this : I take the bulk of the responsibility for this late payment as XXXX later emailed informing me that my payment had not been processed successfully. If we are just being honest though, it is pretty understandable that some of us may become desensitized to XXXX emails as they have sent me XXXX EMAILS since XXXX of XXXX. That is absurd!\n\nMy payment was submitted but not successfully processed on time, so it is easy to say that the buck stops with me. This late payment would have been EASILY AVOIDED though if XXXX did not fail to communicate such an essential part of processing a payment- that they DO NOT accept business accounts.\n\nI have now been completely SCREWED due to this situation and have been fighting it all year, as I can not close on the home my wife and I are trying so hard to buy right now. This ONE late payment on my credit profile for the next SEVEN YEARS, the ONLY late payment, collection, derogatory entry PERIOD is costing me the ability to achieve such an important life achievement in purchasing our first home.\n\nHere is the other piece to this which is why XXXX asking for mercy and great customer service from your organization here : I obviously believed my payment was successfully processed with XXXX ( as seen in XXXX of the screenshots provided ), but due to my wife & Is health condition and the stress we were under at the time, we were unaware that the payment did not go through as expected. As soon as we realized the error because you guys notified me that my credit score had dropped by NEARLY XXXX XXXX we took IMMEDIATE steps to rectify the situation and paid the account in FULL.\n\nThis XXXX late payment is an isolated incident in what has otherwise been a history of TIMELY & RESPONSIBLE financial management. I take my financial obligations seriously, and my payment history reflects this commitment, with the exception of this XXXX unfortunate event.\n\nMy wife and I were XXXX XXXX during the time this payment was missed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our health deteriorated SIGNIFICANTLY to the point where we both XXXX XXXX. We were having multiple XXXX XXXX daily for nearly all of XXXX and into XXXX, and had lost an estimated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we believe its by the grace of God that we are alive & well today.\n\nWe saw many doctors and specialists throughout XXXX, and you would think we were speaking a foreign language to these people with how little was understood about our issue. XXXX XXXX can be DEADLY if you are heavily exposed, and it is sad that we as well as many others have had to suffer as much as we have, as mold is VERY common here in the state of Florida with such high humidity.\n\nWe were overwhelmed with managing our daily lives and responsibilities, which unfortunately resulted in falling behind on some things including this payment. Despite our best efforts to manage our finances during this difficult period, this payment was inadvertently missed and it has been ever so costly.\n\nAgain, my wife and I are currently in the process of trying to qualify for a home loan, and this single late payment is severely impacting our ability to move forward with this critical step in our lives. We are asking for a ONE-TIME exception to remove the XXXX late payment from my credit report, or alternatively, to remove the entire account if that is the most viable option.\n\nWe understand that the bank has reported this late payment as part of their standard procedures, but given the extenuating circumstances, we kindly request your assistance in removing this negative mark from my credit report, as the bank is not willing to take any responsibility or further action themselves. I have exhausted all options as my disputes show. I have followed proper rules & procedures to resolve this matter and am now making my LAST-DITCH effort XXXX\n\nYour understanding and consideration in this matter would make a significant difference in our ability to purchase a home and improve our overall financial situation. Thank you for taking the time to review our request. We appreciate your attention and hope that you will consider our request favorably.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "making_payments", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/9889394", "source": "cfpb", "group_id": "cfpb/88ae116ed36410371176", "variant": "clean", "length_bucket": "long", "chars": 6909, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-08-22", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "88ae116ed36410371176092c1196708376c9d1c92119089c65376d1b1f742926", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, Self Lender Help at cancel@self.inc with the message below : Greetings, I would like to pay off my self account early. Having the account has not helped my credit, rather it has caused as much as a XXXX point reduction at the beginning that I have worked to bounce back from. It's become clear to me that self was not the best situation to help my credit as it also negatively hurt my \" average length of credit history '' drastically.\n\nCan you tell me how I can make a single payment to cover the interests and fees, so as not to owe self ANYTHING upon ending the relationship with self?\n\nLastly, I would like to pay it off on or around the XX/XX/XXXX.\n\nThank you, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, at XXXX I received an automated response. Later, at XXXX I received the following email from help@self.inc : Hello, Thank you for reaching out to us in regards to paying off the account early. Our records indicate that the buy out amount to satisfy the account in full is : {$390.00}. We apologize for the experience you have received. The way that the credit builder works is to help you build credit and save money at the same time. I am sorry to hear that your score was impacted negatively, however we recommend that you reach out directly to the 3 bureaus to see how your score is calculated and comprised. Please follow these instructions to make a one time manual payment : 1. Login to your Self Account 2. Go to the \" My Account '' tab 3. Click \" Make a Payment '' Please let us know if you have further questions.\n\nRegards, How would you rate my reply?\nGreat Okay Not Good -- XXXX I continued to email back and forth because their responses were not consistent with what was presented in the application on my cellphone. For instance, when attempting to close out the account, nowhere did it show a final payment amount, just the option to pay {$25.00} or you could enter an amount. I entered {$390.00}.\n-- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX I paid the remaining balance of {$390.00} via the Self Lender App on my phone as I had made precious payments.\n-- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX at XXXX I received an email from help@selflender.com with the message below : \" ACH payment successfully submitted Hi XXXX, Thank you for your payment on your Self XXXX XXXX Account. Payment ID XXXX will apply to your account, pending final authorization from your bank. The electronic debit in the amount of {$390.00} will be deducted from your bank account on XX/XX/XXXX.\n\nIf you did not make this change please call us at XXXX. If you have any questions, you can contact us at help@self.inc.\n-- -- -- -- -- -- -- -- -- - On XX/XX/XXXX at XXXX I received the following email from no-reply@self.inc : CONGRATS your credit builder account is complete Congrats! You completed your credit builder account!\n\nYou've saved an estimated {$520.00} and have established 4 months of payment history with the credit bureaus.\n\nWe will electronically deposit your savings into your XXXX XXXX XXXX account ending in XXXX on XX/XX/XXXX. You will receive an email from us once we've sent your electronic deposit.\n-- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX, {$390.00} posted to my XXXX XXXX XXXX account ending with XXXX as having been withdrawn just like every other previous Self Lender payment.\n\nOn XX/XX/XXXX, at XXXX after having received every payment prior to receiving my final payment, and the funds withdrawn on all instances including funds for the final payment, I received this message from Self Lender : Self - Supporting Documentation Required Hi XXXX XXXX During a routine review of your Self account we have determined that well need some further documentation from you in order to complete that review. Verifying your identity and payment information helps us keep your account secure and is required by law. In order to complete this request, please upload the listed documents to your profile here.\nState Issued Driver 's License Bank Statement ending in XXXX If youre unable to provide one or all of these documents, see this Help page which lists alternatives and explains our requests.\n\nIn order to verify your account and complete our review, well need to receive your files within 15 days of this request. If we dont receive your documents by the 15 day deadline, well need to close your account. Please dont hesitate to let us know if you have any questions or concerns.\nThanks, The Self Team self.inc P.S. Have you downloaded our app yet? Manage your account while on-the-go, anytime, anywhere.\n\nUpon receiving this email I submitted front and back copies of my license, a picture of me holding my license, a front copy of the payment book for the account XXXX issued by the XXXX XXXX XXXX along with a 'still-attached ' payment slip of a payment made where I wrote \" PAID '' and \" VOID '' across the front. This payment book cover and slip provides all of the information necessary to verify that I am who I day I am. Because my statements are XXXXXXXX, I made a video of me logging into my account and scrolling to every Self debit/payment in the account. I did not email the video to them because I am unable to do so on the form they provided, and sending it via email is a great risk as all of the account details are present for thieves and hackers or any person lacking integrity.\n\nI have emailed Self repeatedly, they have not responded. I have called, the message I receive simply says, 'if I'm calling because I have to verify my account, they will only respond via email, and it will take three days from the time I submit my documents for my account to be reviewed [ Paraphrased ]. After that, it just hangs up. Self has not responded to any of my emails or requests for a representative to call me.\n\nSelf has stated in its email : \" Verifying your identity and payment information helps us keep your account secure and is required by law. '' It would seem to me that Self did not follow the law when it established my account by appropriately verifying my identity as the other financial institutions that I bank with have. To make matters worse, after making ON-TIME payments for months, informing them that their credit builder services did not work in my case and rather severely hurt my credit, hence the reason I decide to payoff the balance and end the relationship with Self. In response, Self is now treating me like I have committed a crime. They have limited my access to the account. They will not respond to my emails or calls. They have taken my money and by their actions seem to be attempting to punish me possibly for raising awareness that their system of building credit did not work for me. Their actions seem quite retaliatory. If Self had verified my identity as required by law for me to establish an account, why now, after I have paid them that they are doing this. They have not offered any explanation, they have simply taken my money and shut me out. I have done nothing to deserve this treatment. If Self violated the law that they themselves supposedly enforce, I believe they should be held account to the standard and an infraction imposed on them for violating the publics trust by not fully verifying ones identity when first establishing an account.\n\n-- -- -- -- -- -- -- -- -- -- -- -- -- Included in Self Lender 's computer generated emails : All XXXX XXXX Accounts made by XXXX XXXX Member FDIC, Equal Housing Lender, XXXX XXXX, XXXX. Member FDIC, Equal Housing Lender or XXXX XXXXXXXX XXXX, XXXX. XXXX FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least XXXX XXXX XXXX. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. All XXXX XXXX XXXX ( XXXX XXXX are deposited in XXXX XXXX Member FDIC, XXXX XXXX XXXX. XXXX FDIC or XXXX XXXX XXXX XXXX. XXXX FDIC.\n\nXXXX XXXX Member FDIC, Equal Housing Lender XXXX XXXX, XXXX. Member FDIC, XXXX Housing LendeXXXX XXXX XXXX XXXX, XXXX. Member FDIC, Equal Housing Lender XXXX Self Financial , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. All rights reserved.\nPlease click here to unsubscribe from our alerts.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "closing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/4403790", "source": "cfpb", "group_id": "cfpb/c15bc249d2563471c7a2", "variant": "clean", "length_bucket": "long", "chars": 8666, "company": "Self Financial Inc.", "date_received": "2021-05-25", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Funds not received from closed account", "text_sha256": "c15bc249d2563471c7a276195b1cb53ea045ca28d75be41118e87a8a57f63896", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX, XXXX, my wife XXXX XXXX requested a COVID Forbearance with our mortgage lender, Crosscountry Mortgage. She was told it was approved. She was told we wouldn't need to make mortgage payments due to hardships encountered as a result of the pandemic. She was told that we would receive paperwork outlining the terms of the forbearance. After several months, Crosscountry still hadn't provided any documentation regarding the forbearance. My wife telephoned several times. When she was able to get through, she was informed that due to overwhelming demand, Crosscountry was behind on processing forbearance requests, but that we were not in any danger -- and to please be patient. We decided to resume mortgage payments, because Crosscountry never sent us any terms, conditions, or paperwork for the forbearance. Shortly thereafter, Crosscountry began reporting our mortgage as \" late ''. My wife 's credit reports reflected different status than mine. For example, her 's reflected a 120 day late at one point, while mine reflected 60 days late for the same month.\n\nIn XX/XX/XXXX, I contacted Crosscountry to determine if there was a way forward that would be beneficial to both parties. I was informed by \" XXXX '' ( customer service representative ) that I had already been qualified for their \" Loss Mitigation '' loan modification program, effective XX/XX/XXXX. According to XXXX, the mortgage would be modified, the late payments removed, a new interest rate assigned, and an updated loan maturity date of XXXX assigned. The first payment of the loan modification was XX/XX/XXXX. I was instructed that I'd need to make three on-time payments, the first on XX/XX/XXXX, the second on XX/XX/XXXX, and the third on XX/XX/XXXX in order for the modification to become permanent. Once it was permanent, then paperwork would be sent to me outlining the terms and conditions of the modification -- not before.\n\nOn XX/XX/XXXX I contacted Crosscountry Mortgage -- because I still hadn't received any documentation regarding the loan modification. I spoke with \" XXXX ''. He informed me that he'd just \" pinged '' the \" tech team '' responsible to mail out paperwork. He said it takes 24-48 hours for them to do their thing. I asked if I'd need to telephone back on Monday, XX/XX/XXXX and check back. He said, \" Yes. '' On XX/XX/XXXX, I sent a payment to Crosscountry Mortgage in the amount of {$3000.00} per the Loss Mitigation loan modification agreement.\n\nOn XX/XX/XXXX I contacted Crosscountry Mortgage, and spoke with \" XXXX XXXX ( she/her ). She verified the paperwork still hadn't been mailed.\n\nOn XX/XX/XXXX, I received the Loss Mitigation paperwork from Crosscountry Mortgage. The letter was dated XX/XX/XXXX, and the envelope was post dated XX/XX/XXXX. I contacted Crosscountry Mortgage and spoke with \" XXXX '', because the Loss Mitigation paperwork I recieved did not align with the verbally agreed upon terms. We were told the \" trial period '' payments were to be remitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in the amount of {$3000.00}. The Loss Mitigation paperwork I received stated the \" trial period '' payments were changed to XX/XX/XXXX, XX/XX/XXXX, and XXXX in the amount of {$3000.00}. XXXX could see it all on her system, but explained that it was confusing. She put me on hold and spoke with her supervisor. XXXX explained that \" XXXX '' no longer worked for Crosscountry Mortgage, and that although my case should have been reassigned, it looked like it hadn't been. The supervisor spoke briefly with me. She explained that what she saw in the system didn't make sense. She placed me on hold, \" To get to the bottom of this. '' When she came back, she explained that what she sees on screen is \" confusing ''. She informed me I didn't need to have paid my XX/XX/XXXX payment. She said Crosscountry would have refused the payment, because the three trial payments must be \" certified check '' sent through terrestrial mail -- not via automated banking systems.\n\nOn XX/XX/XXXX, I contacted Crosscountry Mortgage and spoke with \" XXXX '' to see if Crosscountry could update my credit reports. There were multiple 30-day lates, as well as many 60-day lates that I wanted reversed. XXXX instructed me to contact the team who reviews requests of this nature : \" XXXX ''. She instructed me to let them know the exact months affected, and how its being reported.\n\nI successfully ensured certified checks were printed and mailed to Crosscountry Mortgage, on time, per their instructions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.\n\nOn XX/XX/XXXX, I received the promised loan modification paperwork, with instructions to sign, date, notarize, and return to Crosscountry. My wife and I signed, notarized, and returned the paperwork via FedEx as instructed.\n\nOn XX/XX/XXXX, we received a second set of paperwork, again instructing us to sign, notarize, and return. Again, we did as instructed -- and on XX/XX/XXXX we signed, notarized, and returned the required paperwork via XXXX\n\nIn XXXX, XXXX we received a third set of paperwork, again instructing us to sign, notarize, and return.\n\nOn XX/XX/XXXX at XXXX am, I received a phone call from Crosscountry Mortgage. I did not answer that call. I was asleep in bed.\n\nOn XX/XX/XXXX I called Crosscountry to inquire why we were being made to submit the same paperwork a third time. I was informed that the first two sets of documents contained an illegible notary stamp and signature. I informed Crosscountry that I'd photographed the notary stamp, and that it was indeed legible -- and that I'd had a contracts attorney review the legibility of the stamp and signature, and that I'd be happy to submit a statement along with photographic proof if needed. Crosscountry informed me that the only notes in the system regarding the illegibility of the stamp and signature had something to do with \" water damage ''. My wife and I again signed and notarized the documentation as instructed, and this time I enclosed the packet in a zip-lock bag before dropping in the mail. I expressed concern that our loan modification 's first payment was due on XX/XX/XXXX, but since Crosscountry hadn't accepted our signatures and notary stamps yet, we may no longer be qualified at the interest rate laid out in the agreement. The representative said the loan modification was fine, and that our payment due on XX/XX/XXXX could be made via automated bank payment, money order, cashiers check, mail it in, or call and speak to a representative for an over-the-phone payment ( which has an associated \" convenience fee '' ).\n\nOn XX/XX/XXXX, we signed, notarized, and returned the required paperwork via FedEx -- this time sealing the documents in a zip-lock bag before placing into the XXXX envelope.\n\nOn XX/XX/XXXX, my wife XXXX XXXX called Crosscountry Mortgage and made a payment over-the-phone. Crosscountry waived the \" convenience fee ''.\n\nOn XX/XX/XXXX I contacted Crosscountry Mortgage and spoke with \" XXXX ''. Our XX/XX/XXXX payment had been cleared our bank account, however Crosscountry 's website showed we hadn't made our XXXX payment. I was concerned we might be hit with a \" late '' penalty. XXXX informed me that on XX/XX/XXXX, Crosscountry received \" something '', and that everything looked up to date. She explained that my account was undergoing an \" update '' -- and that once it's updated, everything will be fine. I asked about the XX/XX/XXXX payment. She said she could see it in the system as having been received, and that once my account update is completed, my payment will be reflected correctly. She said there will be no late fee, and no late payment. XXXX instructed me to call back and check on XX/XX/XXXX or XX/XX/XXXX to verify.\n\nIn XXXX, XXXX my wife XXXX logged on to the Crosscountry website, and configured auto-payments, so mortgage payments will always be on time. Since XXXX, XXXX, every mortgage payment has been paid on time, via Crosscountry 's automated service.\n\nIn XXXX, XXXX, I lodged credit file disputes with XXXX, XXXX, and XXXX, in an effort to remove the \" late '' payment history from my credit report. I'd followed every instruction from Crosscountry since XXXX, XXXX, and still don't understand why it isn't reflected on my credit report. I also inquired with Crosscountry 's \" Research Department '' about my credit report, and was told that all the \" late '' entries are legitimate, despite my efforts to explain the circumstances around the COVID forbearance issues from back in XXXX, and my demonstrated \" on time '' payments since XXXX, XXXX.\n\nOn XX/XX/XXXX I attempted to contact Crosscountry Mortgage, but was informed by their robots that their customer service availability was from XXXX am to XXXX pm XXXX.\n\nOn XX/XX/XXXX I again filed disputes against Crosscountry Mortgage with all three credit reporting agencies, challenging the validity of my \" XXXX past due '' annotations on my credit reports.\n\nOn XX/XX/XXXX, I contacted Crosscountry Mortgage and spoke with \" XXXX '' ( she/her ). I asked if there's any way that XXXX could update my credit report with \" Pays On Time '' and back date it to ( at a minimum ) XXXX, XXXX when I entered into the loan modification agreement with the lender. XXXX told me to contact the \" Research Department '' and provide them with proof that Crosscountry has received on-time payments. I inquired if Crosscountry has internal computer systems that permit them to see whether or not I did in fact make on-time payments. I inquired why a customer should have to \" prove '' that the lender received on-time payments. I asked to speak with a supervisor. The supervisor told XXXX to tell me that I'm no longer in their \" Loss Mitigation '' program, and that I should contact the \" Research Department '' or customer service. I contacted customer service. I spoke with \" XXXX ''. I explained the history. XXXX made an effort to escalate, but was told the same thing. XXXX had placed a ticket with the Research Department, with a suspense date of XX/XX/XXXX. No escalation is possible until at least XX/XX/XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/5702793", "source": "cfpb", "group_id": "cfpb/12752f13e26c59309514", "variant": "clean", "length_bucket": "long", "chars": 10079, "company": "CrossCountry Mortgage LLC", "date_received": "2022-06-23", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "12752f13e26c593095144cd3658cd9336ac877fc7ef4a3a73ac4c0978edbe1d4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This letter is your notice that I dispute the above referenced debt.\nThis is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge.\nI request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.\n\nPlease cease all collection efforts for this account until you have provided me the with the validation of said debt, the verification of my personal information and all contracts bearing my ACTUAL SIGNATURE that I have requested and please do not send any computer printouts I want to see actual documents bearing my signature.\n\nIt is a crime to threaten suit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against you.\n\nAccordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway.\n\nI believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : I do mean all XXXX, request.\n\nValidation of Debt Request - Proof of your right to own/collect this alleged debt.\n- Balance claimed including all fees, interest and penalties.\n- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ).\n- License proof to collect debts in my state.\n- A credit agreement signed by me and you.\n- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor.\n- Copy of my NYS Photo ID which is required to open this type of account.\n\nAs you may be aware, \" Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company or law firm.\n\nAdditionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.\n\nShould you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/4323498", "source": "cfpb", "group_id": "cfpb/bd6e3219ca88297e69e6", "variant": "clean", "length_bucket": "medium", "chars": 3032, "company": "Resurgent Capital Services L.P.", "date_received": "2021-04-24", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "bd6e3219ca88297e69e613d651fcbbdae59aadca9c808008113148260083440c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have attached the complaint I submitted on XX/XX/XXXX and Iowa XXXX XXXX XXXX XXXX. I have highlighted in the response the inaccurate, and at this point it is fraudulent activity that XXXX engaged in between XXXX date regarding the servicing of XXXX private student loans. As you can see, XXXX issued me a 1099C in XXXX, in the attached document they state they have the right to do this because the \" last payment '' on loan 's referred to as sequence XXXX ( disbursed XX/XX/XXXX ) and sequence XXXX ( disbursed XX/XX/XXXX ) were out of statue in XXXX. They state that the last payment on BOTH of these accounts was XX/XX/XXXX. However, the information attached- which was pulled from Iowa Student Loan 's website CLEARLY shows that the last payment on loan sequence XXXX ( disbursed XX/XX/XXXX ) was on XXXX XXXX ( NOT XXXX, XXXX, XXXX as XXXX XXXX states in her response. ) She continues by utilizing this \" last payment date of XXXX '' as the reason Iowa Student Loan was in \" compliance '' with issuing me a XXXX XXXX. As you can see in the document I provided showing the accounting history on the sequence XXXX loan ( disbursed XX/XX/XXXX ) - payment WAS received and credited toward the balance on XX/XX/XXXX. This account did not meet the \" rules '' of 10 years without a payment ( statue of limitations ) XXXX XXXX outlined in her explanation to my prior compliant to the CFPB- that would not have been met until XX/XX/XXXX per their own record pulled from their website and attached to this complaint. This amount should NOT be included in the XXXX XXXX as it does not meet the \" rules '' XXXX XXXX and Iowa Student Loan state as \" in compliance '' with the law. This is fraudulent practice that I will seek legal representation to rectify through the court system and IRS if it is not corrected with the IRS by Iowa Student Loan immediately.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/9605480", "source": "cfpb", "group_id": "cfpb/552a39b476a02552bdae", "variant": "clean", "length_bucket": "medium", "chars": 1855, "company": "IOWA STUDENT LOAN LIQUIDITY CORPORATION", "date_received": "2024-07-24", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "552a39b476a02552bdae484a01ba2b3981210959f0335fd66d70d31eed77210b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Audi Financial provides unreadable documents in their financial services portal and then is not available to be reached. When I reply to the financial services portal a response is never received. Customers work during Monday to Friday if Audi would like us to keep our job so that we can pay their outrageous payments then they need to be open when people are not at work.\n\nDocuments are sent in this \" portal '' but can not be read or downloaded throughout the entire XXXX year. The car payment is late so what, its paid every month. Stop harassing your customers or you won't have any. I will never purchase an Audi again in my lifetime and I hope no one else does either.\n\nAt the very minimum this company needs to provide the documents they are trying to send. Otherwise quit wasting our time and send the paper document in the mail. Your portal does not work and it has always been a complete joke.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/8822270", "source": "cfpb", "group_id": "cfpb/e3be2eb505256ba368ef", "variant": "clean", "length_bucket": "short", "chars": 907, "company": "VW Credit, Inc", "date_received": "2024-04-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "e3be2eb505256ba368efa9e1da8040d981108e72a2bae85c2f11027c169af994", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX or XXXX, my local branch ( Truist ) called me saying I needed to sign another document from a HELOC we closed on XX/XX/2023- so it is now 6 months later...\n\nI found this odd as I have received no official notices from Truist ( mail, e-mail, or otherwise ) stating that there was missing paperwork. Because of this, I asked them to send me a copy of the document to review. I noticed it said page XXXX of XXXX and since they need it notarized I asked to see the other XXXX pages as I don't anything resembling this paper from our loan agreement, etc...\n\nWhen I asked a few questions I was told they only have one page and received a voicemail from the Branch Manager telling me \" I have to sign it '' Prior to coming in ( during the week of XX/XX/2023 ). I asked these questions via email : XXXX ) usually if something was missed, we would have received something from Truist within 30 days and definitely before 90 days - why are we just hearing about this 6 months later?\n\nXXXX ) the document you sent says page XXXX of XXXX, and when compared to the papers we left the office with im not seeing any corresponding paperwork that matches what seems to be XXXX pages. Can you send me the other pages to compare to what we have?\n\nXXXX ) because we havent ( at least to my knowledge ) received any official notice from Truist and Im not seeing anything similar in our copy- this is making me feel like this is new documentation or something that wasnt included originally, which I hope we arent being asked to sign new documentation 6 months later ( hopefully seeing the other pages will help me see if I overlooked something in the documentation we have ) XXXX ) why is nothing showing in file with the county clerk? Am I not looking correctly?\n\nI received no response regarding these questions via email other than \" The only thing I was inform to do was notarized this documentation ''.\n\nI need to know what is going on, why I can't get any answers and why no official documentation from Truist has been sent.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "closing", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/7656788", "source": "cfpb", "group_id": "cfpb/c9bc9e0e8b85b6c18548", "variant": "clean", "length_bucket": "medium", "chars": 2029, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2023-10-06", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "Trying to communicate with the company to fix an issue with the loan closing", "text_sha256": "c9bc9e0e8b85b6c1854840d8cb48fde2808e9423a75e186b9edaa5c1d0f0ef45", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Last month I received a letter from Navient stating that there was an error in my consolidated loan- that the XXXX loans within the consolidation loan had different repayment schedules and that Navient was going to automatically switch my repayment schedule to the longest possible. The letter indicated if I wanted a different repayment schedule, I simply had to call Navient. I called the next day ( approx XXXX XXXX ), and tried to get the repayment schedule back to my previous schedule. This proved extremely difficult- the first call I could not reach a representative through any of the automated choices, and when I finally did reach a rep, she had to transfer me to a different section. I proceeded to wait on hold for approx 10 minutes and then instead of speaking to someone to assist me, I was instead connected to a satisfaction survey which asked about my experience. Considering I received absolutely no assistance, I would say the experience was pretty unsatisfying. So, I tried again, and reached a human fairly quickly, one who assured my the change request had been added to the account and that my next monthly payment would remain the same and not revert to the lower payment/longer payment schedule. I assumed this would be the case and I did not request verification in writing. Unfortunately, this month 's monthly payment just came out and I see that the lower amount ( corresponding to the longer repayment schedule ) was made and not back to my normal payment amount.\n\nI understand that the XXXX repayment schedules may not have matched up within the consolidation loan, and this may be a requirement, but I do n't see why it 's necessary for Navient to revert the consumer automatically to the longer repayment schedule since this inevitably costs the borrower more in interest. And what I really do n't understand is why it 's so difficult for a borrower to contact Navient and have the payment changed back to what the borrower originally wanted ( and had been paying without incident for over 10 years. ) I think it 's disingenuous to change a borrower 's repayment schedule without their consent- but it 's even more egregious to make it difficult, if not impossible, for the consumer to change it back to the option that will ultimately save the consumer thousands in interest.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/1883317", "source": "cfpb", "group_id": "cfpb/256547ae8a45c245a392", "variant": "clean", "length_bucket": "medium", "chars": 2311, "company": "Navient Solutions, LLC.", "date_received": "2016-04-16", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Trouble with how payments are handled", "text_sha256": "256547ae8a45c245a392a5f9256771a1577dac77e2613d3d80480cd1df7d6d11", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Salutations, Over the past three years I have experienced considerable frustration with Navient student loans.\nI took out student loans, through XXXX XXXX , in XX/XX/XXXX and XX/XX/XXXX , with payments beginning in XX/XX/XXXX . I set auto pay for this account, in order to take advantage of an offer for an immediate loan reduction of .125 % ; bringing my initial APR to 3.375 % - Due to three-years of uninterrupted on-time loan payments my interest rate was subsequently reduced to 2.125 %.\nJust prior to the XXXX XXXX transfer to Navient I went online to see what my current loan balance was ; which came to a little over one-thousand dollars. Immediately following the change to Navient I decided to review my current balance ; which had now ballooned to nearly four-thousand dollars. I know that I had never missed a payment, due to the auto deduction I set up back when I first took out the loans, so I rushed to the phone to find out what the XXXX happened.\nWhen I finally reached Navient their agent explained that my current balance was the product of a consolidation I made in XX/XX/XXXX , of {$12000.00}. I tried to explain to the agent that I had never requested a consolidation of my student loan, I had never missed a payment, and my original loan amount was for {$12000.00}. The agent insisted that my information was incorrect and that my current balance was now just under four-thousand dollars. The agent agreed to send me a copy of my loan agreement ; which arrived three weeks later, and was based on the XX/XX/XXXX consolidation agreement I never made.\nI decided to wait until the term of my loan had ended before reaching out to Navient again ; hoping their misunderstanding was a glitch in their newly established system. When I finally reached out to Navient, at the end of my original loan agreement, I was informed that not only where the standing by their original assessment, but my percentage rate was 3.375 %, compounded daily ; I dropped the phone, called Navient back, and a new agent calmed me down by explaining that the previous agent was mistaken about the interest rate, but was correct about the terms of my loan ; she volunteered to send me out another copy of the loan agreement, which was a carbon copy of the one sent out the year before.\nDue to lifes twists and turns the time had finally come for me to address this issue head on. I reviewed my records, performed a simple equation on XXXX , and came up with a current loan amount of - {$2100.00} ; which I assumed would get Navients attention considering they where now guilty of grand-theft.\nI emailed Navient the following : Good day, Per my request, Navient provided a copy of my current loan agreement ; said agreement correctly notes original loan amount, of {$12000.00}, a payment of {$90.00}, and an original APR of 3.375 %, with a total principal and interest of {$16000.00} ; but for some reason said document notes Date Interest Begins to Accrue of XX/XX/XXXX - account XXXX .\nI began making payments to this loan in XX/XX/XXXX and have now paid a total of {$16000.00} ; which is substantially more than the {$16000.00} noted in the \" Principal and Interest You Will Have Paid '' section, of the XXXX Disclosure Agreement. My APR was reduced to 2.125 %, in XX/XX/XXXX , due to my three years of uninterrupted payments ; which means that I have now been overcharged {$1500.00} - based on my calculations.\nI believe the disconnect happened after Navient spun off from XXXX ; somehow accounting my automatic interest rate reduction as a consolidation of an existing loan - my loans still show as two separate loans on the Navient Website.\nNow, if you could be so kind as to please show me when my original loan of {$12000.00} transformed into a loan amount of {$15000.00} I could stop thinking about how a multi-billion dollar corporation was holding my credit rating hostage - when did my fifteen year loan transform into an eighteen year loan?\nIm trying to be calm here ; but I see nothing that tells me why my payments from XX/XX/XXXX thru XX/XX/XXXX count for nothing.\nThank you for your time and consideration.\nNote : this my third attempt to reach out to Navient regarding this issue XX/XX/XXXX Navient responded via the attached pdf.doc ; maintaining their previously stated position, and asserting their right to an additional {$1600.00} bringing their potential theft to about {$5000.00}.\nI contacted Navient when I got home from work that evening and after having to endured the same explanations I had received the previous attempts I asked if the agent would be so kind as to tell me what my original loan amount was back in XX/XX/XXXX . The agent was kind enough to review my records, of the past sixteen years, and informed me that my original loan amount was in deed {$12000.00}. I then asked the agent how my original loan could balloon to {$12000.00}, after three years of payments, to which the agent began to explain that there was a disbursement made in XX/XX/XXXX to your schoolwaitoh my The agent assured me that a form would be sent out in the few weeks explaining why Navient did what they did.\nAt this point I want more than just the money Navient has stolen from me, more than interest and penalties they would have charged me, and more than a simple slap on the wrist from one executive to another I still do not know if Navient plans on making good on their obvious and deliberate mishandling of our contractual agreement.\nThank you for your time and consideration,", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2592168", "source": "cfpb", "group_id": "cfpb/e4d2503e5c39af117226", "variant": "clean", "length_bucket": "long", "chars": 5537, "company": "Navient Solutions, LLC.", "date_received": "2017-08-02", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "e4d2503e5c39af1172268b5f7c4dcab6a81195e76a07ba94224a14d0e8bafc27", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Our home was owned by my mother XXXX and XXXX we purchase our home in XX/XX/XXXX we refi a couple of times then my mother who had been retired since the purchase was convince to get a Reverse Mortgage and we were told that it would not effect us and that after she passed that I could keep the home no questions. My mother passed XX/XX/XXXX and now Financial Freedom does not to accept that the home was owed by both. When she took out the HECM loan the home was in my name alone I was told then not to worry and it was acceptable with HUD I was also told that I would be placed back on title which the lender not escrow did as I have found out now. Now I 'm being force to sell the home since now I have retired and there is n't enough equity to get a new loan, I requested Financial Freedom the time to go to Hud and plead my case I was turned down and am in foreclosure and may lose my home that we owned.\nA XXXX who I was told would not grant me because we where to late in the 90 day posting, we did what they asked from us they asked to place the home in our name I contacted an attorney and was told it takes some time and cost and before I do this that the lender would allow us the time THEY DID N'T they just closed the door on us I have filed a complaint with HUD and now with you I do n't want to lose our home please help", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2318941", "source": "cfpb", "group_id": "cfpb/2e58a6edae201bfeb22a", "variant": "clean", "length_bucket": "medium", "chars": 1335, "company": "CIT BANK, NATIONAL ASSOCIATION", "date_received": "2017-01-30", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "2e58a6edae201bfeb22a7f8014d173d0da5e14e2221a8cb3028c3133e4b7bb16", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The essence of the complaint is that I am being charged for damage ( XXXX Door Panel Heavy Scratch @ {$2200.00} ), which plainly did not exist prior to my surrendering my leased vehicle on XX/XX/XXXX. This is backed up by clear photographic evidence, which has been sent to Chase, per their instructions via hard copy twice, and yet continues to go unaddressed. After multiple phone calls there is no clear path offered by Chase to resolve this issue.\n\nThe vehicle leased was a XXXX XXXX XXXX XXXX, XXXX Acct # XXXX XXXX.\n\nThis complaint is regarding JPMorgan Chase Bank XXXX Chase XXXX, which operates XXXX XXXX XXXX XXXX : XXXX : XXXX. The end of lease group in Texas has been the source of the frustration. Key factors are their inability to work with electronic files OR receive hard copy mail, mixed with their general apathy and attitude, which, after several phone calls, offers no real help or suggested path to resolution. An issue that could have been resolved in a matter of minutes continues to drag out over a month with no clear path to resolution in sight.\n\nAdditional detail, organized in date order and with reference to supporting documents are as follows : XX/XX/XXXX XXXX XXXX XXXX Report identifies limited damage totalling {$200.00}.\n\nXXXX - XXXX XXXX father enters hospice and passes away from terminal XXXX. I asked to extend my lease during this period. However my driving was severely limited, and no subsequent damage occurred.\n\nXXXX I take photos in various conditions of the vehicle prior to turning it in. These six photos are included in the subsequent correspondence to Chase - these indicate no damage to the XXXX Door Panel prior to the vehicle being surrendered to the transport truck driver.\n\nXX/XX/XXXX XXXX truck sent by Chase picks up the vehicle from my home in downtown XXXX XXXX there is no dealership involved - pickup arranged with Chase due to Covid ).\n\nXX/XX/XXXX Date of first letter from Chase, identifying a variety of small damage items, including those identified in the pre-inspection report, which I do not dispute. However a significant and unexpected line item is introduced, which is described as XXXX Door Panel Heavy Scratch and has a cost assigned of {$2200.00}. This is the disputed charge that has yet to be addressed.\n\nXX/XX/XXXX After catching up with mail and reading the letter, I call Chase - the lease end group in Texas at XXXX - to inquire about how the inspection occurred, and ultimately to dispute the XXXX Door Panel Heavy Scratch line item. I am told a separate research department will review the photos from the inspection. They will drop any charges for which they do not find photos. I can also request to have the photos sent, which I do.\n\nI found the nature of this call to be unsettling. I was told that this stays with this department 100 days, and I dont want to know what happens after that. I found the tone to be generally aggressive and threatening, as if I had been sent to a debt collector vs a customer service department with any kind of curiosity as to my situation.\n\nXX/XX/XXXX Document Attached : Correspondence from Chase Date of letter from Chase with grainy photos printed on ordinary copy paper. Only one of these images identifies the supposed XXXX Door Panel Heavy Scratch. If it is in fact on the XXXX Door Panel ( difficult to validate via this one picture ), it was certainly not there when I surrendered the vehicle to the transport driver.\n\nXX/XX/XXXX I call Chase to explain the situation all over again, this time to XXXX. I was told to mail my photos to a very specific address, which was provided by XXXX as follows : Chase XXXX XXXX : XXXX Department XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX XXXX I asked XXXX to repeat as some elements seemed strange like the PO Box number with a comma, etc. She acknowledged it was strange but this was the address. It will turn out later this was an incorrect address.\n\nXX/XX/XXXX I mail a letter with my photos and the pre-inspection report via XXXX Priority Mail - the tracking indicates it was not delivered.\n\nXX/XX/XXXX I call Chase and ask to speak to a supervisor. I speak with XXXX, ID # XXXX. XXXX is not initially curious or helpful. I have to ask him to look up the address for me and verify what XXXX provided was correct. When he finally does, it turns out to be a different zip code. The address is provided as follows : XXXX XXXX XXXX Mail XXXX : XXXX XXXX XXXX, TX XXXX Attn : Research XX/XX/XXXX Document Attached : Damage Dispute Letters to Chase I print out all my hard copies again - revised letter/address, photos, pre-inspection report, and sent by Priority Express Mail. This time the tracking indicates it was delivered early on XX/XX/XXXX.\n\nXX/XX/XXXX After seeing the letter and photos have been delivered for over a week, and I have not heard anything from Chase, despite the fact they said they would call. I call the following numbers : XXXX XXXX XXXX Customer Service at XXXX - they listen but say they can not help with anything regarding Chase. They suggest I find out if Chase has a complaint department. No such department for dealing with this issue can be found online or on the phone. No matter who I call I am always redirected to the same end of lease group in Texas that has been so difficult to work with.\nXXXX XXXX XXXX Customer Service at XXXX - after asking for a supervisor and explaining the situation - they simply reconnect me to XXXX in Texas and the same group that again has not been helpful this whole time When I am redirected to XXXX ID # XXXX, I provide the tracking number for the second mailing, which he looks up to see it was in fact delivered. However XXXX says they dont have the photos. I ask how is that possible? - I have mailed them twice and reconfirmed the address with XXXX himself. The XXXX says its delivered. XXXX says, I dont know what to tell you. If were not getting anything, we cant waive it. XXXX says the only next step is arbitration. I ask if he has a supervisor. He says yes but it takes XXXX XXXX for that individual to call me back. He will mail me the lease contract, which describes arbitration as the only option left.\n\nObviously this has taken a lot of my time and resources, with multiple phone calls, mailings, printing out of photos, documenting, etc. A reasonable customer service agent would be able to determine in about XXXX XXXX that the XXXX Panel Heavy Scratch occurred after I turned in the vehicle. Yet the Chase lease end office in Texas feels more like a debt collector than a customer service office. This group is at best apathetic, sometimes threatening, and surely not helpful. I have spent my own resources printing photos and putting together hard copies and mailed them TWICE per their direction, and yet they dont know what to say about it, using the excuse they have not received what XXXX confirmed was delivered.\n\nIt is shocking to me that in the year XXXX Chase Bank can not receive photos or correspondence electronically. Having said that, if they claim to deal with hard copy only, they do not have a reliable way to receive hard copies either, so they leave consumers with no viable options to resolve simple issues. The fact that the XXXX XXXX name is attached to this group also is not helpful - XXXX XXXX will not act as Chase holds the lease and only uses their name apparently for branding/marketing. And the internal customer service at XXXX XXXX XXXX is powerless to act - they simply steer me back to the office in Texas, which again leaves no resolution. In the meantime, this drains my resources, and ultimately puts my credit at risk, as it seems their only strategy is to drag their feet until their threat of 100 days, when it turns over to collections.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4343120", "source": "cfpb", "group_id": "cfpb/47b22b3bdc8eaffcc604", "variant": "clean", "length_bucket": "long", "chars": 7744, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-05-02", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Excess mileage, damage, or wear fees, or other problem after the lease is finished", "text_sha256": "47b22b3bdc8eaffcc604b76d43514f095fc8c6975bae34dbc1630622bb0924f6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "CONTINUOS AND PERSISTENCE HARRASTMENT I had already asked this compny not to contact me on XX/XX/2022 Today XXXX Once again.\nVeritas Funding LLC -NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX This time with XXXX File ID Number XXXX. XXXX ID XXXX.\nContact Phone number XXXX Ever since XX/XX/2022. I had been requesting this company to Please stop, not contact me no longer, stop harassing me with this junk mail. Misleading letters that reads CHANGES TO MY VA LOAN UNDERSTADING YOUR VAILABLE VA XXXX XXXX XXXX Veritas Funding responded on XX/XX/2022 on my case # XXXX -- -- -- -- -- -- -- -- -- Veritas Funding takes consumer complaints very seriously and would like to apologize about receiving the unwanted mail. Sending these types of letters is common practice in the mortgage industry. Once a consumer has purchased a home their mortgage information including the amount of equity they may have in their home, becomes public. We have added the consumers information to our opt out database and they will no longer receive any phone calls, emails, text or mailers from Veritas Funding in the future.\n\n-- -- -- -- -- -- -- -- -- -- -- - This seems to be not a truth statement -- -- -- - Today XXXX Once again what I strongly feel its a misleading envelope and a note. I had never requested to be added to this junk harassment list. I don't understand how to make this company understand that I do not need nor I wanted any type of communication with this company. I will never do buisness with a company who writes me a letter with a non-returned address this was my request on XX/XX/2022, its very clear that this company is either sale or distributing my information. I HAD CLEARLY ASKED NOT TO BE CONTACTED BY Veritas Funding LLC -NMLS # XXXX This company its using my personal information for unsolicited marketing junk I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- Please see attached Junk mail CHANGES TO MY VA LOAN? - asking me to respond between five days. Please ask this company to stop. STOP I do not need/ I do not want/ I haven't requested this junk mail. This is becoming a harassment See below old letter..\n\nOLD REQUESTING LETTER XXXX case # XXXX Junk Unsolicited never requested Junk mail again and again. From the same ZIP code XXXX Today XXXX -New junk reference called : XXXX file number XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX XXXX ) called themselves located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX utilizing the same zip code of many others ZIP XXXX. Which is the same location where they were just reported by me. XXXX XXXX At XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX its using to harassing me continuously. I feel like this - https : //www.vfund.com/Branches VERITAS FUNDING XXXX And its a misleading name ( VA HOME EQUITY FUNDS ). Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail into a system that continuous abuse and harass me over and over. This company 's https : //www.vfund.com/Branches and https : //mortgage.texanabank.com are using my name and personal information for marketing and solicitation. Targeting me because IM A united states veteran with a VA Loan. Were are they getteing my name, why this letters are being mailed from the same zip code?\n\nI just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Its not good to request to be removed, they will continue over and over. This company don't UNDERSTAND NO for an answer, Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses and bank names, Today is ( XXXX funding from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) last week was ( This texanabank.com hide their address no address to ask or request them to stop ) each week its a different bank from the same zip code.\n\nThis company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?\nPlease stop remove my name out their data base, and ask every marketing company 's not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.\n\nI will never DO BUISNESS WITH A MISLEADING LETTER NO address No real phone numbers misleading operators ( all they want its your personal info ) Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop.\n\nToday XXXX XXXX on this link : XXXX : XXXX If the letter comes from a private company but was designed to mimic a government document, thats deceptive in my legal opinion, says fraud XXXX XXXX.\nThese kinds of scams use public information about your mortgage to bolster their case for legitimacy. They also may include official-looking logos to give recipients a sense of security logos from the FDIC, an ATM network, or the Treasury Department XXXX for example.\nAnd, as fraud attorney XXXX XXXX pointed out, you should report the fraud attempt to your state attorney generals office or the federal Consumer Financial Protection Bureau.\n\nReference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Now this other agency from the same corporation ( XXXX XXXX XXXX XXXX ) its a misleading name. Its also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company https : //mortgage.texanabank.com is using my name and personal information for marketing and solicitation.\n\nI just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information ( I I had never hear of this company ), what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses. ( This texanabank.com hide their address no address to ask or rrequest them to stop ) This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where?\nPlease stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail.\nI had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.\n\nRemove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in TX if this harassment don't stop.\nPlease see evidence attached.. This junk misleading mail its being mailed from the zip code XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "applying", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/6080047", "source": "cfpb", "group_id": "cfpb/49caea598fb916317418", "variant": "clean", "length_bucket": "long", "chars": 8461, "company": "VERITAS FUNDING, LLC", "date_received": "2022-10-12", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "49caea598fb9163174189b1219296f0ccbbbab4680da3504b58735d38dc0a1ed", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Navient Corporation Customer Service Department XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : Demand for Refund Dear Sir/Madam, I hope this letter finds you well. I am writing to formally demand a refund pertaining to in my name with Navient. I have carefully reviewed the loan agreement and believe that I am entitled to a refund based on the following grounds : 1098-E : According to my records which I have reviewed all my tax documents which have been completed by a licensed accountant per IRS standards with over 30 years of experience. I obtained copies of tax returns submitted to the IRS along my originals to ensure any discrepancies that may have been submitted on my end which no discrepancies found. However multiple discrepancies that were found on Navient 's part. I requested copies of all 1098-E forms from Navient which I received XX/XX/XXXX. I was not provided copies of the 1098-Es. The amounts on the document from Navient pertaining to the loan in question are inaccurate which is of concern and validates my payments were processed to a loan that is not mine.\n\nI spoke with XXXX XXXX XXXX who works in your consumer advocate department in reference to all the aboveXXXX XXXX also provided me an EIN that does not reflect the 1098-Es that I have and are not listed on the documents I obtained from the IRS. The EIN numbers on the 1098-Es all pertain to Federal Student loans. This is very concerning which validates that Navient listed this private loan under my federal loan account number and attached another account number to represent a private loan which would be beneficial for Navient upon tax filing.\n\nMisrepresentation : I requested copies of all loan documents. I was provided documents that are concerning. I was provided two disclosures with different dates which I have questioned multiple times and not been provided an answer as to why the dates are different, a loan application that has a signature that is not mine along with no date. I was provided loan information that validates Navient consolidated a private and federal loan under the account number XXXX although uses XXXX and continued to accept payment. Interchanging loan numbers/account numbers/grouping has been an issue for many with Navient as mentioned in XXXX of the lawsuits. I expect Navient to rectify this by refunding the full loan amount, payments and interest.\nTransaction history varies from paper work I was provided in XX/XX/XXXX from the Navient website. Upon reviewing the Navient transaction list on the website a payment of {$1.00} is noted. A payment made that month was allocated to XXXX XXXX for {$100.00}. Navient transferred loans to XXXX that also do not reflect correct amount.\n\nNavient has had multiple lawsuits pertaining to unfair, deceptive practice and violating consumer protection laws.\nXXXX of the lawsuits was filed by The Massachusetts Attorney General along with other state XXXX XXXX. The lawsuits filed was pertaining to Navient violated consumer protection laws by engaging in unfair and deceptive servicing and collection practices and, as XXXX XXXX, originating predatory subprime private student loans.\nAnother lawsuit filed by the CFPB because Navient XXXX XXXX at Every Stage of Repayment. Navient, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception The settlement included conduct reforms, including prohibitions on unfair and deceptive conduct and terms designed to ensure that Navient improves its servicing and debt collection operations which Navient has not done.\n\nI have attached copies of relevant documents, including payment records and correspondence with Navient, to support my claim. I have also made attempts to resolve this matter through your customer service department, but have not received a satisfactory response.\n\nI demand that Navient rectify this situation within 30 days. Rectification is to include a full refund with in the 30 days from the date on this letter in the form of a check and remove this trade line from my credit report. Navient is to inform XXXX, XXXX, XXXX and XXXX along XXXX any other CRA that Navient reports XXXX.\n\nFailure to address this matter satisfactorily I will take further legal. I trust that Navient will handle this matter with the utmost urgency and professionalism.\n\nThank you for your immediate attention to this matter. I look forward to a prompt resolution.\n\nSincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/8319920", "source": "cfpb", "group_id": "cfpb/064ae33780028af9b9f0", "variant": "clean", "length_bucket": "long", "chars": 4508, "company": "Navient Solutions, LLC.", "date_received": "2024-02-09", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "064ae33780028af9b9f05bc651919a7d8a85312a5d569cc43c8421439680605f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Sir or Madam, I purchased a King bed from XXXX in XX/XX/2021. The King mattress, the All-In-One Foundation specifically designed for this mattress and free pillows were delivered on XX/XX/2021.\n\nI was given a 101 day free trial. I returned the order after 33 days since the bed was stiff. XXXX, a vendor that works for XXXX that picks up returned products, picked up the King mattress and All-in-One Foundation on XX/XX/2021.\n\nXXXX states in various emails that product returns are processed within 30 days. I have not been issued a credit for this return 2.5 months later. Moreover, the tentative amount of the refund is not correct.\n\nThis is a simple issue. I purchased a King bed. A bed includes a mattress and a foundation and XXXX via their vendor picked-up the King mattress and the foundation on XX/XX/XXXX. I should receive a credit or refund for the original amount paid for the mattress and foundation of {$1800.00}.\n\nXXXX has calculated a tentative credit but has not processed the credit. The tentative credit is for {$1500.00}. The tentative credit is incorrect for three reasons : - It excludes sales taxes of {$120.00}. I should receive a full credit for all sales taxes on returned products.\n- They did not issue a credit for the All-In-One Foundation of {$340.00} less the promotional discount of {$110.00} or {$240.00}. They claim that they disclose on their website that they do not offer a credit for returned foundations. I spoke to a representative from the Consumer Finance Protection Bureau about this issue to get his thoughts before filing this complaint. My thinking was that I purchased an expensive bed and if it comes with an All-in-One foundation specifically designed for their mattress, then it is reasonable to assume that the foundation is part of the bed. The representative from the CFPB agreed with me and recommended that I also file a complaint with the Federal Trade Commission. In addition, XXXX picked up both the mattress and the foundation. If their vendor picked up a product I had purchased they should provide me with a credit for a product that I do not own. Alternatively, XXXX should instruct XXXX, their vendor, not to pick-up foundations.\n- They attempt to charge me {$90.00} for \" Free '' pillows even though I did not order them. They miscalculated the amount, but XXXX should not be charging me for \" Free '' pillows simply because a customer returns a bed. Notice how they refer to \" Free '' pillows twice in their order confirmation e-mail.\n\nIn the meantime, over the last three months Affirm, the financial institution that finances XXXX sales, has been sending me past due notices. I purchased a product and I returned it. I should receive a full credit for the return. Before I returned the product I made two {$77.00} payments to Affirm. I should receive a refund of {$150.00} from Affirm since I returned the product. I have spoken to a half dozen individuals from Affirm, including supervisors over the last three months. They refuse to address the issue.\n\nPlease see email from XXXX, XXXX Finance Manager, on her calculation of the tentative credit that has the issues described above. After the number 4, the Finance Manager states that the timing of the refunds depends on the financial institution leading me to think that Affirm has not processed this credit promptly.\n\nPlease also email of order confirmation email received from XXXX on XX/XX/XXXX : To summarize, the amount of the credit for the return of the mattress and foundation should be {$1800.00} and the refund amount should be processed immediately since we are way past the 30 days maximum it takes to process a return. Affirm needs to refund {$150.00} to me as soon as possible.\n\nPlease call me at XXXX XXXX XXXX if you have any questions or need further clarification.\n\nXXXX XXXX Finance Manager e-mail : Good Afternoon XXXX, Thank you for your prompt response.\n\nI also see that you are keeping your 2 XXXX for a special rate of {$85.00}. Terrific. We hope you are enjoying them. We will simply deduct that from your refund amount.\n\nPlease allow up to 30 business days maximum for your refund, in the amount of {$1500.00} to fully process back to your account. You will receive an email confirmation once it's been completed.\n\n1. The XXXX Luxe Mattress - King- {$2200.00} 2. Promotional Discount- $ XXXX XXXX. Ghost Pillows - {$90.00} 4. Total Refund Amount - {$1500.00} * We issue our refunds within 30 business days or less depends on the financial institution ( which excludes weekend/non-business days ) from the time the Returns Department.\n\nAs per our terms, promotional discounts originally received at the time of purchase are always applied towards the mattress, including the 25-50 % off adjustable base discount, and are reflected as such in the refund amount.\nTerms link : XXXX : XXXX Order confirmation email from XXXX : From : XXXX XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Order # XXXX confirmed XXXX XXXX # XXXX Thank you for your purchase!\n\nHi XXXX, we're getting your order ready to be shipped. We will notify you when it has been sent.\n\nView your order or Visit our store Order summary GhostPillow - Shredded ( 2-Pack ) 1 FREEPILLOWS ( - {$170.00} ) {$170.00} Free XXXX All-in-One Foundation 1 King XXXX ( - {$110.00} ) {$340.00} {$230.00} XXXX XXXX XXXX XXXX XXXX ( - {$740.00} ) {$2200.00} {$1500.00} Subtotal {$1700.00} Shipping {$0.00} Taxes {$120.00} Total {$1800.00} USD You saved {$1000.00}", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4380069", "source": "cfpb", "group_id": "cfpb/d287c71a257fe9ccf368", "variant": "clean", "length_bucket": "long", "chars": 5507, "company": "Affirm Holdings, Inc", "date_received": "2021-05-15", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with the payoff process at the end of the loan", "sub_issue_raw": "", "text_sha256": "d287c71a257fe9ccf368910e932acd0e7f42d607bf6e736b28d476b684c1febb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chase Bank Financing. I spoke with a Chase rep on XX/XX/XXXX who offered me until XX/XX/XXXX ( car note due date ) to make a payment on my loan which would have made me eligible for a forbearance where the 2 missed payments are placed on the back of my loan. She stated the payment must be made on the XXXX otherwise it would roll over into next month 's payment and the forbearance would not apply. She acknowledged I had good history with making my car payments until recent. I agreed to make a {$370.00} payment on XX/XX/XXXX via online payment to qualify for the forbearance. Instead, on XX/XX/XXXX, I received a notice that Chase had accelerated the loan and was demanding full payment. On XX/XX/XXXX Chase locked my loan account so no payments could be made online and it remains locked to this day. They demanded full pymt via a branch or XXXX XXXX which is ludicrous considering Covid. I have a recording of the call which Im sure Chase does as well.\n\nNot sure if this was suppose to be a scare tactic but it is very aggressive and shady behavior which may also be motivated by prejudices against minority customers. Chase is attempting to force a repossession instead of following through with special lending options meant for all debtors. I should not carry the burden of the Chase representative giving misleading or bad advice ( if that was the case ).\n\nPlease note : no correspondence from Chase provides a full accoumt number but I have provided a notice with some PII to search my account.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "struggling_to_pay", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4054419", "source": "cfpb", "group_id": "cfpb/e3c1b2591a7a82d6d544", "variant": "clean", "length_bucket": "medium", "chars": 1508, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-01-07", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Lender trying to repossess or disable the vehicle", "text_sha256": "e3c1b2591a7a82d6d544bb50821af52293acbce1c1fb76873fd9f63a215354ec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "on XX/XX/2022 I was contacted by a person who I though was friends with on XXXX and said she invested her money some money with a person and got back a good amount on money back. She had the lady contact me by XXXX. I got a message from a person named XXXX she informed me that if I invest {$600.00} I would make a profit of {$6000.00} back the only thing I would have to pay is her commission which was XXXX XXXX of whatever I made. I asked all the necessary question a person would ask to make sure you are not getting scammed. I believed her and XXXX her {$600.00}. She confirmed the transaction on her side and said she would keep me posted on the investment. A couple of hours later she send me a message through XXXX saying that I made {$6000.00} and that she would transfer the money to me but that it would take a couple of hour for it to process. I replied and said that it was fine. And hour or two later I received a XXXX message saying that the money was ready and she would transfer but I would need to send her money as she need to pay the transfer fee. She stated that the Transfer fee would be {$1200.00}. I told her that it was a lot of money to transfer and she stated not to worry that I would get it back. I ended up trusting her and XXXX her {$1200.00} on XX/XX/2022. Later in the night of XX/XX/2022 I got another message saying that once again the money was ready but I would need to XXXX more money. At that point I questioned her and said that I had no more money and she say well see if someone and help you and you can send them back the money once you get your investment money. At this point I decided to actually text my friend who had referred me to her on XXXX. XXXX is is my friend texted me back right away and said \" do not send any money to them it is a scam, they scammed me too and now have taken over my XXXX to have all my friend send them money. '' She stated that she lost access to her XXXX to these hacker and scammer.\nI contacted my bank which is Chase to report XXXX they stated that there is nothing I can do and that I can not get my money back.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6015276", "source": "cfpb", "group_id": "cfpb/ac3edab7ee9e5ad23985", "variant": "clean", "length_bucket": "medium", "chars": 2094, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-09-26", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "ac3edab7ee9e5ad23985cb2f5565897cdb68aa07f1a09a36a364d52bdf3088d9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I leased a new XXXX XXXX with Chrysler Capital on or about XX/XX/XXXX. I enrolled in autopay on or about XX/XX/XXXX. My lease term was to XX/XX/XXXX. After turning in my vehicle at lease end, I checked my CC account online at www.Chryslercapital.com to see if there were any charges related to my lease end - such as wear and tear, damages, etc. this was XX/XX/XXXX I believe. The website indicated that a payment was past due. I immediately called CC customer service at XXXX as I was sure it was a mistake. I was told by the rep that no payment was made in XX/XX/XXXX representing the final payment. I indicated I was enrolled in auto pay so the payment shouldve been taken out. She said CC does not deduct final lease payment automatically. This was news to me. Its not in the auto pay agreement and I did not receive correspondence alerting me to this. I even spoke with a lease-end specialist who reached out to me XX/XX/XXXX - she did not mention this. So I paid the full balance immediately. I asked the rep would the late payment be reporting on my credit as she indicated it was 34 days past due. This was very important to me as I would be in the market for a home soon and I worked very hard to get my credit to a good score where I would not only qualify, but also position myself to get the best rates. She said she could not be sure whether or not it would be reported.\n\nNo late payments reported on credit XXXX - XX/XX/XXXX. In the meantime, I received a refund from CC for overpayment.\n\nXX/XX/XXXX I began the mortgage application process. First step was to get quotes from different lenders and brokers. I do actively monitor my credit, but obviously I dont have access to what exactly the tri-merge would show. XXXX XXXX XXXXXXXXXXXX was one of the lenders. I received a Loan Estimate and I considered the terms great and put XXXX near the top. The loan officer informed me that CC was still showing as an open account meaning the monthly payment was being included in my DTI. This along with other errors on my credit factored in to her review of the file. I told her this was incorrect and sent her documentation but she basically told me whats on credit when they pull it is final and that was that. I disputed this with all credit bureaus. This incorrect information impacted my scores and loan products I was able to qualify for. I spoke with other lenders who were more understanding and I closed on my home XXXX.\n\nLater that same month I get updated on the dispute. CC reported the account as closed/full term. However they also reported the payment that they didnt deduct! This was pretty infuriating as the only reason I disputed the trade line was because they didnt accurately report it as closed in the first place. I didnt really know what to do. I felt it was completely unfair. But I told myself that technically it was late and there was nothing that could be done.\n\nFrom then until XX/XX/XXXX the trade line stood. I inquired about credit limit increases with my credit card companies and none were approved. Before, either they increased them automatically or I was approved consistently when I inquired. I was fed up as my credit scores were not moving back up quickly. I also wanted to apply for higher tier cards, but knew my scores were not high enough. So I called CC again for help. I believe this was XX/XX/XXXX. The rep was very nice, but told me that there was no one to discuss this with and that I would need to dispute with bureaus again. I felt defeated once more. I finally disputed with XXXX on XXXX and that same day the dispute was closed with no changes. I submitted to them my bank statements from XX/XX/XXXX - XX/XX/XXXX showing I had more than enough funds to pay and the transaction history showing all other payments made on time.\n\nBut this is completely unacceptable. I enrolled in auto pay so my payments would be deducted when due. To this day CC website literally says When you sign up for Auto Pay you never have to worry about late or missing payments. I also sent this statement in a screenshot as it appeared on the website with my most recent dispute. I relied on this as being accurate and it has cost me irreparable harm. I worked so hard to repair my credit and it has been tarnished because of a technicality. I did not receive a call or voicemail letting me know the final payment would not be deducted. I do not have my auto pay agreement, but the one on CC website as of XXXX says nothing about last payment needing to be paid manually.\n\nI do not understand this practice of theirs. The first time I called in XX/XX/XXXX, the rep told me they did this because they wanted to avoid taking multiple payments accidentally? I would rather them take more payments than the alternative that has happened to me! This practice is unethical as the only benefit lies with CC as they can and did collect a late fee. In no way does the consumer benefit. At best they would come out neutral as the payment is due whether made automatically or manually. I was given no sufficient notice. CC to this day represents auto pay as a set it and forget it payment option. This should not be allowed to continue to harm consumers.\n\nPlease help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4507078", "source": "cfpb", "group_id": "cfpb/b08f1191f8ea2925617d", "variant": "clean", "length_bucket": "long", "chars": 5204, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2021-06-30", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "b08f1191f8ea2925617dddb8c5782ce6d4c1d07dac165025fab4affd63cdffbc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX my card and phone was lost or stolen. I disputed the filed a dispute on 2 transactions that were done the following day which totaled over {$2200.00}, to my surprise they both were denied and XXXX, have assured me that I made both of those transactions, but XXXX Team is incorrect. I have tried to reopen the dispute that was closed the day of their decision, but they have refused to reopen either claim even with me giving them new information that my cards pin may had been compromised because of a online bank who card i also had in my wallet has my pin number on their card and didn't realize this until they recently resent me their card along with other cards that were inside my wallet and I only used my birth date which i know that is not the thing to use during these shameful times. During my acknowledgement of XXXX XXXX XXXX leaving the pin on their card, I assumed wells had valid information for their accusation, which that state it was me that made the transaction in another city on XXXX that is incorrect... What's even more hilarious is they state on XXXX i deposit XXXX into my {$0.00} balance account at XXXX, and then they state I with drew XXXX at XXXX on XXXX and I also withdrew XXXX at XXXX on XXXX in a city I do not live in. and they say they have camera footage of me and they are commuting fraud, with their accusation, because number one the timeframe please read it carefully that is a error ... also, I do not go to XXXX, I live in XXXX which is XXXX hours away, they obviously think all XXXX Americans look alike, and this needs to be corrected, before word gets out on social media that Wells Fargo makes false accusations, and they do not investigate fraud properly. Because there is no way i should not have been allowed to re-dispute this claim, I cant wait to see who they claim is me getting money out of a ATM in another city.\nXXXX I received a call from the Case Specialist \" XXXX XXXX XXXX XXXX XXXX XXXX '' about the dispute/claim I filed on XX/XX/12, who stated and assured me on a recorded call that I my account would not go into the negative until she was finished a 2 day research for fraud, supposed to finish on XXXX, instead on XXXX my account read- {$2000.00} which they never researched and they took what little i had that was in the account, she told a lie for this bank that will probably fire her within a year, fraud is on my account and it was never researched in 2days because the XXXX went on my account at XXXX XXXX and she called me at XXXX on XXXX so she never researched it, their whole agenda was to take what i had in the account, and she said it didnt saw nowhere were they going to put that balance on my account on that date and she acted like she was sure it was not going on the account until her research but obviously it wasn't researched., because the balance went on there the next day, yet she will call me on XXXX never researching and say we are sorry to inform you that those transactions were transactions you made, which is a XXXX lie. I already have it figured, I cant believe they are allowed to do this. They were about to close when she called me so it was never researched. Then the bank just basically can lie and add any amount to your account and we have to get an attorney to clear it up and that is not right that will cost them the amount owed on my house if we have to go through that process because they lied and they are the XXXX dollar business. She only had 12hrs to research it and they were closed, errors are all on my account that should be removed but they haven't they even failed to research it, they are just charging me for transactions that I did not create, and they also have me depositing XXXX at XXXX and withdrawing XXXX at XXXX from a account that started with a {$0.00} balance which is an error and I should not be charged for any of this fraud the bank has created, also they deny any claim that I benefit from but they allow all claims that they benefit from ... .because i even deposited XXXX into the atm and they never did add that to my balance ....", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5965970", "source": "cfpb", "group_id": "cfpb/d5f2c4691a1f5113cbdf", "variant": "clean", "length_bucket": "long", "chars": 4084, "company": "WELLS FARGO & COMPANY", "date_received": "2022-09-09", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Money was taken from your account on the wrong day or for the wrong amount", "text_sha256": "d5f2c4691a1f5113cbdfa13acc0c93d5191758040c250165775c48b304d2946c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX I got married and moved to a home with my husband ( XXXX ). I had XXXX for cable and internet, as did he. We merged our accounts. We had a technician come to our new home who looked at all our old equipment from both homes and said they were obsolete and he could not use them and he then installed new equipment and left all the old equipment. Several months later ( XX/XX/XXXX ), I received communication from a debt collector ( XXXX XXXX XXXX XXXX ) regarding owing {$1400.00} in equipment fees and last month bill. I immediately paid the past due amount for the last bill ( even though we still had XXXX at our new residence and they had never sent notice to us ) and then took the equipment I had to the XXXX store where they logged it in and returned it to XXXX. XXXX then claimed we still had {$400.00} worth of equipment, which I denied on XXXX and requested proof of owing any equipment as we had turned in everything we had in our possession. I received nothing from XXXX, and the debt collector told me they were closing the matter. That was in early XXXX.\nApproximately XXXX, I noticed a new entry for a debt collection on my credit report from Credence Resource Management for around {$400.00}. I had never received notification of any past due account from them or XXXX since XXXX. They told me it was for the XXXX bill. I disputed that I owed it and told them I felt it was illegal to report it on my credit report as I dispute the bill entirely and they and/or XXXX should pursue this in the legal venue. I received no further communication from them. My address was the same as it was in XXXX, as was my telephone number and e-mail address. I received a notification from XXXX that, again this month, Credence Resource Management has posted a past due account in collections. They have not contacted me via mail or email or phone. I have never at any time received a validation notice from them either now or in XXXX. They have never communicated with me in writing, even after our original communications in XXXX where I requested all communications occur in writing and provided them my correct address and e-mail address to verify they had it. I feel this is a fraudulent attempt at collections. I have at all times vehemently denied that I owe this debt and have at all times requested proof of owing this debt, and I have never received one shred of evidence. This continual refiling of an old debt on my credit report is harassing and improper, in my opinion. The original dispute happened in XXXX of XXXX. It is now XXXX of XXXX, yet they are still reporting this on my credit as a new account from XXXX. This company is acting outside the bounds of good-faith attempts at true debt collection and should be held accountable for their illegal and harassing actions.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6165909", "source": "cfpb", "group_id": "cfpb/847a9a7709d14cd42455", "variant": "clean", "length_bucket": "medium", "chars": 2798, "company": "Credence Resource Management, LLC", "date_received": "2022-11-04", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "847a9a7709d14cd4245515d7c36e94c60b3226846b348af3e674e10fba85baf5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent the following to Bank of America and I was told that because I sent the money, theres nothing they can do about it. This is no different than me paying for a service and not receiving what I paid for and filing a fraud claim. Which I have done in the past and they went after my funds. I believe their reluctance is due in large part to their partnership with XXXX.\n\nMy name is XXXX XXXX and I have been a Bank of America customer since XXXX. I am writing today to file a complaint against Bank of American and the XXXX Fraud Department. In XXXX of this year I sent money to a merchant, using XXXX, from my personal banking app. At that time Bank of America failed to list any warnings about the possible scams that could be associated with using XXXX nor did Bank of America mention that funds may not be able to be recovered if using XXXX. That verbiage and warning signs were only recently added. I believe that this was done in an attempt to cover your end and not protect your customers. Bank of America even lists on their website that XXXX is a safe way to send money, however you now have verbiage saying that people can be scammed when using XXXX. I find that to be a bit contradictory. During the course of the investigation, no one ever reached out to me for any documentation that I had supporting my claims of fraud against the merchant. This is the first time since Ive been a customer of Bank of America that this was not done. I have filed complaints in the past for fraud and I was always asked to submit any information that I had in the document center. This was not the case this time. And once the investigation was complete I was told that Bank of America was unable to retrieve my funds and that I needed to contact the merchant. I find your findings to be insufficient and unacceptable. I was told during the course of the investigation, by a Bank of America associate, that a police report was filed and I was also told that a decision had been reached and I would be receiving my funds soon. I recently requested that all information involved in the alleged investigation be sent to me ; I am still waiting. That information is essential, should litigation become necessary. Since all calls are monitored and recorded, that conversation should be able to be retrieved without any issues. The conversation then changed to, were still investigating and dont have an answer yet, to the investigation being complete with no resolution on my end. I trusted this institution to protect not only me but my money and you have failed and it appears that customers being scammed through a platform that you offer and promote on your website is of no concern to you. If something is deemed financially unsafe and you can not guarantee the protection of your customers funds, then why would you offer a platform such as this through your financial institution? And it is my firm belief that Bank of America is able to retrieve my funds and go after the merchant, but you are simply choosing not to. You are choosing to do what is in your best interest and not the best interest of your customer. I do know that a class action lawsuit was filed against Bank of America in XXXX of this year for the same exact matter and it wasnt until the media began promoting the story that the XXXX customers involved were refunded. That lets me know that you do have the power to rectify these types of situations on behalf of your customers, but you choose not to. I have been without my car since XXXX due to the fact that I have been failed by my financial institution. I am a mother, a XXXX student, and a full time employee. This has cost me more than the {$1700.00} that was stolen from me by using Bank of America and XXXX. Had I been properly informed of the risks involved before making the transaction, I would NOT have used XXXX as that is not a sensible risk to take. After all, were not talking about {$17.00} here. By not having any warnings posted I was led to believe that I was making a secure transaction. I used XXXX through my mobile banking app under false pretenses. I will speak to as many news outlets and file as many complaints as I need to in order to have this resolved. If you can not guarantee your customers safety through XXXX, then perhaps you shouldnt offer it. The warning signs were not there, your investigation was not thorough and lackadaisical at best. Due to you failing to warn me during the time of my XXXX transaction that fraud was a possibility, I feel that I am 100 % entitled to the returning of my funds. This serves as a request for the return of my funds of {$1700.00} due to misinformation on your end.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/7242971", "source": "cfpb", "group_id": "cfpb/b39c04ef2e04295f9e97", "variant": "clean", "length_bucket": "long", "chars": 4662, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2023-07-12", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "b39c04ef2e04295f9e97b21c9028b3c3ca1b86dcfe10cc6af31e08bd3e668154", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking \" knows or consciously avoids knowing the information is inaccurate '' and inserting \" knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. QUAL AST REC bal. {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/4623624", "source": "cfpb", "group_id": "cfpb/1df58c812892f7665a93", "variant": "clean", "length_bucket": "long", "chars": 5778, "company": "Quality Asset Recovery LLC", "date_received": "2021-08-11", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "1df58c812892f7665a93b10aafa8629c7271af51943e2ab7f0bf77fbb69d098d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX Flagship Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : Request for Refund of Excess Funds and Inquiry into Legality of Actions XXXX : XXXX To Whom It May Concern, I am writing to formally address the ongoing issue concerning my XXXX XXXX XXXX XXXX ( XXXX : XXXX ). The total price of the vehicle was {$22000.00}. Based on the loan terms, had I owned the vehicle for the full 72 months, I would have paid a total of {$89000.00}. At the time of purchase on XX/XX/XXXX, the vehicle had XXXX miles on the odometer. However, the vehicle was involved in an accident and was declared a total loss on XX/XX/XXXX.\n\nPer our conversation on XX/XX/XXXX, I should not be responsible for any interest accumulated after the vehicle was declared a total loss. Despite this, Flagship Credit Acceptance has declined to assist me in releasing any remaining funds, causing financial hardship as I need the funds to purchase another vehicle.\n\nXXXX XXXX XXXX has already issued a payment of {$28000.00} for the vehicle loan, a check for {$8900.00} for XXXX coverage, and an additional {$2200.00} for warranties associated with the vehicle. Flagship Credit Acceptance, however, is attempting to retain all of these funds, despite my requests for assistance. I have recorded conversations regarding this issue and have emailed Flagship Credit Acceptance for further clarification and support, but to no avail.\n\nAdditionally, I have a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, which clearly states that the lien on the vehicle has been fully satisfied. I am attaching all relevant documents, including this letter, as proof of the completed lien and payments made.\n\nI am requesting your assistance in confirming whether the actions taken by Flagship Credit Acceptance are legal and to facilitate the return of any remaining funds that are rightfully owed to me under applicable laws.\n\nI appreciate your immediate attention to this matter and look forward to your response.\n\nSincerely, XXXX XXXX XXXX and XXXX XXXX XXXX Attachments : - Letter from Flagship Credit Acceptance dated XX/XX/XXXX - Insurance payment documentation - Recorded conversation transcript ( if applicable ) - Additional supporting documentation", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/10111985", "source": "cfpb", "group_id": "cfpb/407af7347db48f541ca6", "variant": "clean", "length_bucket": "medium", "chars": 2283, "company": "FC HoldCo LLC", "date_received": "2024-09-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with additional products or services purchased with the loan", "text_sha256": "407af7347db48f541ca646e4dc4df17306b06f560fbf47486fb3006cc45e2cf8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Senator XXXX, AGO XXXX and Consumer Protection Bureau via Complaint ID # XXXX As your offices are aware, we have experienced deplorable customer service from JPMorgan Chase on our home mortgage and line of credit since XX/XX/XXXX.\n\nWe are seniors and XXXX XXXX XXXX, XXXX MA XXXX, has been our primary residence since XX/XX/XXXX. We purchased our home on no doc through Washington Mutual. Chase took over the loan in XX/XX/XXXX and we refinanced from a 30 year fixed to a 15 year fixed mortgage Chase in XX/XX/XXXX. At the closing, Chase asked if we wanted a $ XXXX line of credit. We elected to accept only $ XXXX at the time, which was not accessed until XX/XX/XXXX. In late XX/XX/XXXX, Chase invited us to increase our HELOC line from the $ XXXX to $ XXXX, but at an increase of 2 % on the entire balance. Going through the financial crisis causing negative Government effect on my FCC Broadcast ownership, XXXX and XXXX children in college, we accepted going forward with the new terms. Chase then delayed for months stating our home value decreased and despite adequate funds in the bank and questioned amount of money I was taking from my owned radio station XXXX XXXX XXXX, XXXX, MA. In XX/XX/XXXX, Chase finally dictated to us that our only option was modification but we had to skip two payments to be considered.\n\nChase then reported us to the credit bureaus and the modification approval for the stated 60 months finally came in XX/XX/XXXX, but extended only 42 months with a balloon payment for the full mortgage due XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, Chase miscoded a bank routing number on a payment and then took months to determine it was their error. Then, Chase interrupted our applications for new financing by starting foreclosure notices. Chase further delayed and hindered our efforts to change lenders.\n\nFinally, after finally being put in touch with the Chase Executive Office in XX/XX/XXXX, Chase agreed, in XX/XX/XXXX to a second modification at our out of pocket cost of {$36000.00}. Chase refused to spread that amount over the ensuing 200 payments in the second modification.\n\nIn both XX/XX/XXXX and upon our XX/XX/XXXX approval of the second modification, Chase promised to A ) adjust late fees, interest charges and legal fees, B ) make sure the credit bureaus knew we were up to date on the mortgage & HELOC, C ) correct Chases superficial appraisal of our home which is at least $ XXXX too low - $ XXXX compared to a complete modification performed by XXXX XXXX XXXX on XX/XX/XXXX at $ XXXX - and D ) make arrangements to finally add to our line of credit. E ) The rate of interest on the new modification is quite high, 4.87 %.\n\nWe continue to get lip service, run around, rude correspondence and phone conversation from Chase. The letters they have sent to me and your offices have no credibility as they do not address Chase mistakes and the horrible, inappropriate manner of customer service from Chase. The Chase letters repeat their old decisions that were incorrect in the first place.\n\nWe are seniors, never bankrupt, with a Chase debt of less than $ XXXX on our primary/only residence HUD and the CPB valued several months ago at over {$1.00} million. Chase is disregarding the importance of our Senior Financial Health and discriminating against seniors ability to have simple access to less than 49 % of their home equity for medical, improvement, college and living expenses. Further, Chase has been rude and tremendously challenged in delaying proceedings. Chase representatives stall, take months to say its not this department and have told us to find another lender, get a reverse mortgage or move!\n\nWith a tremendous amount of phone, email, letter, fax correspondence shared with your offices and Chase, I must ask that you now step in and hold Chase accountable for this harmful, stressful, prolonged and costly behavior negatively affecting us, and other senior customers. We ask for all fee and interest adjustments and for a favorable arrangement to have access to up to 49 % of our home FMV, without further delay.\n\nPlease respond and thank you for protecting senior citizens who need and deserve your intervention.\n\nWith our sincere appreciation, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA. XXXX XXXX XXXX XXXX Mortgage # XXXX Line of Credit # XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3379664", "source": "cfpb", "group_id": "cfpb/66d97afd1cd7aebe2bcf", "variant": "clean", "length_bucket": "long", "chars": 4334, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-09-19", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "66d97afd1cd7aebe2bcfa5adae4ec5421fb79b43498a1c0bdb350d48e1d0a8c9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I put a loan payment XXXX check XXXX XXXX XXXX in the drop box ( at their location ). With the payment, as I always do, ( but never get ), I requested my balance, which should only have XXXX more payments remaining. Well I was mailed a receipt a few days later ( post stamped XXXX XX/XX/XXXX ). The receipt did not have my actual balance, but instead said I'd renewed my loan foXXXX XXXX XXXX-which I did not do. Plus, how am I able to renew a loan when I dropped in the night box ( which it states on the receipt under \" Check in night '' payment method. Again, I did not renew any loan.\nAdditionally, I always paid XXXX XXXX monthly payments, which is more than that what my minimum payment is. However, on this occasion, I paid {XXXX} because I knew it my payments were near the end. However, m they said the principal payment was {XXXX} and the {XXXX}. was late fees. Their fee payment structure is not computing. It's as if they're making amounts up as they go.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3294180", "source": "cfpb", "group_id": "cfpb/af303954f2aeda94830d", "variant": "clean", "length_bucket": "short", "chars": 982, "company": "SECURITY FINANCE CORP", "date_received": "2019-07-02", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with additional add-on products or services", "sub_issue_raw": "", "text_sha256": "af303954f2aeda94830d4609b692f042916eebf3b001a2f732771175992834fc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper \" investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6496131", "source": "cfpb", "group_id": "cfpb/e19ccf01176fc80c5d53", "variant": "clean", "length_bucket": "long", "chars": 5873, "company": "EQUIFAX, INC.", "date_received": "2023-01-27", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "e19ccf01176fc80c5d533fbf1e7b46cf622ea60e1aef611c461a370836720937", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Regarding Ashley Furniture - Synchrony Credit Card Since I complained AGAIN in XXXX they lowered my credit limit from {$1100.00} to {$260.00}. They said that it was due to my credit score. But my credit score was higher than it was when I was originally approved for the card. Lowering my credit limit caused my credit score to drop XXXX points!!!\nOn XX/XX/2022 I entered an order online for a dresser/mirror combination for {$550.00}. I decided that I didn't want it and canceled it XX/XX/2022 online. It was canceled within XXXX hours. After it showed up on my account as delivered I sent in a dispute form. I called Ashley Furniture and they told me to get in touch with Synchrony Bank. I called Synchrony in XXXX, XXXX, XXXX & XXXX. The last time I spoke with someone there, he said that the cancellation was just entered in XXXX and I would have to wait TWO MONTHS for it to show up on my account. Now, even though they owe me {$550.00} I keep getting emails telling me that my payment is late. I have kept paying the payments early so it wouldn't adversely effect my credit rating. But I'm not going to keep paying them while they owe me money!! According to them I owe them {$58.00} that is showing late on my statement.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/5908320", "source": "cfpb", "group_id": "cfpb/24d8a077f55de61afb08", "variant": "clean", "length_bucket": "medium", "chars": 1228, "company": "SYNCHRONY FINANCIAL", "date_received": "2022-08-23", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "24d8a077f55de61afb08b13be3e81a5cf9346920977e96f5153edd69de742ae2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "i filed for bankruptcy on XX/XX/2022 and the company was made aware away of this. They decided to charge my account 6 month later. they issued me a reference number XXXX. they have yet to issue my money back to my account. and have the numerous emails saying they would issue the money back but have not.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "making_payments", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6576821", "source": "cfpb", "group_id": "cfpb/d97bf3f51494b0288f54", "variant": "clean", "length_bucket": "short", "chars": 304, "company": "MoneyLion Inc.", "date_received": "2023-02-15", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "d97bf3f51494b0288f5403e066ebe689ee85788e323f2b185e2e159497707b1a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi my name is XXXX XXXX and I want to file a complaint with FOUND online business banking company who banks through XXXX XXXX. I live in XXXX and could really use someones help and guidance with my bank or be a mediator with my issue at hand here.\nMy account was hacked and taken over on XXXX XXXX after I received a call by someone at approximately XXXX by someone posing to be a spark representative. To give a little backstory before I go into what happened, this person hit my FOUND account first and then moved to my other accounts. First ill explain my three banks so no confusion, FOUND is a business account I get paid through from my job as a house cleaner. XXXX XXXX XXXX is the bank my XXXX XXXX payments go into from my XXXX delivery job and BRANCH is the bank XXXX \"used\" to use as a bank to pay us our drivers payments.I had been going back and forth from Branch and XXXX recently before this all happened and was having my payments go into there because I like how the app showed us our balance after each transaction purchased. I also had a job as a XXXX XXXX XXXX XXXX XXXX which I don't have anymore but was also having those check deposits go into my XXXX XXXX so I could keep track of the majority of my funds in one place. I also recently moved some funds around as I set up a few savings accounts with XXXX and pockets with FOUND to make things a little more organized for to my personal liking which is why this timing of this type of hack and scam is very odd to me and almost seemed to me as if this person had prior access or authorization on me, has been spying on me, hacked my phone a while ago or used to work for XXXX or XXXX XXXX XXXX XXXX I bank through because I couldn't understand how he knew all the information he did. To begin On XXXX XXXX all 3 of my bank accounts, email and XXXX driver portal were all hacked into by this hackster. Nearly XXXX was taken from my XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX and XXXX from the FOUND account, all stolen via online money transfers.\nThe call came in as XXXX delivery on my phone at the time and he posed as a XXXX customer care specialist. This man took everything I had in my account with FOUND and my other two banks while hacking into my email and accessing my emails. He saw my personal emails, work emails, bank emails and somehow knew about my three banks even from the start of the conversation not to mention restricting my internet access while during the call. This call also came at an unusual time period considering just a month or so ago I reported to XXXX that something odd was happening to my XXXX XXXX account because I wasnt getting any orders day in and day out for several months and wondered if there was a possibility of someone either remote accessing my phone, using my account, acting as me or using my app and taking my orders. I didnt know what to come if it and had all kinds of suspicions and theories as to what was happening to my XXXX XXXX account. They said it wasnt probable but they would look into it since my ratings were going down without me taking any orders. They said they would follow up with me and not to worry they would get to the bottom of it. Its odd timing only because this man made it sound like thats what he called about and made threatening suspension a likely outcome of my drivers account if I did. Also told me I needed to do a return order on the order I was currently doing because it was canceled and picked up by another driver. He knew of my location telling me to drive to the customers house to attempt order delivery. During the drive he tells me that my XXXX XXXX XXXX that I used that XXXX paid me through was going to be closed and that I needed to stick to using my XXXX XXXX account from now on to be paid from XXXX. He read me my balance that was in there, a total of XXXXXXXX and said he would transfer that to my XXXX account and it should arrive in there by the end of the day. Not processing how he had that information or how he could get into my accounts he proceeded to guide me on how to return this order which I would be compensated for.\nAnother thing is he knew about my FOUND business account. He tried asking me for my FOUND password which I couldn't remember anyways so couldn't give him anything to go off. Once I got to Walmart to return the two items, I told him I was there, since he told me to do so the call disconnected or he hung up . I called back with no answer all it did was ring. Immediately then I knew I was scammed because the call was not answered by a XXXX customer care specialist nor did it have the XXXX recording at the beginning like they do. I thought well there's no way he could of gotten very far since I didn't give him any valuable information but for some reason I had a bad feeling about the whole thing and instantly I had feared the worst. Called frantically someone I knew that worked at XXXX to ask them if they thought I had gotten scammed since I wasn't quite able to look at my account since my internet was down and they had said \"yes that sounds scammy hopefully you didn't give them your SSN\" and I just said \"all I gave them was my DOB, email and last four of SSN and never thought they could use that\" . Only banks, work places, healthcare of that nature have your information like that and can verify that with you I thought. I checked into my account with my FOUND account once I was able to get online and he took over XXXX from my account immediately following the call and then proceeded to XXXX taking out XXXX and then hacked into my email address later on that night around XXXX locking me out so any correspondence from either bank and would go to him. Also Later on that night around same time He changed my personal info in the bank accounts while also hitting my XXXX XXXX around which was the majority of where my money was and left me negative XXXX XXXX XXXX XXXX labeled this an account takeover which was my first hearing of such a thing.\nXXXX XXXX and my FOUND BUSINESS account has been nothing but difficult with communication at retrieving anything back in correspondence and I have had to do triple the work to get anywhere and having to re-explain everything to everyone each time has been nothing but a timely fiasco taking me away from most everything else in my life. Ive went to supervisors, managers, and then I went directly to the bank they are either partnered with or who they bank through and spoke to their manager and XXXX CEO . Finally I was able to get somewhere with XXXX as they finally figured out what was going on after multiple escalations to dispute four big transactions to later resolve three of them. They still have yet to dispute another XXXX transaction that they forgot about. They've had to re issue another account takeover and hold my account up for two days while they do a dispute on this charge they should have done months ago but failed to do so or understand. Ive had to countlessly provide lengthy details because there is a lot that is involved but also because they would not understand nor relay information to anyone. This has also been a problem with FOUND and even worse with correspondence or actions to inform me or do what needs to be done to investigate or ask any questions even which is extremely odd almost as if they had their minds made up from the get go and nothing changes even with more information on the case. Ive gotten the same three emails and same three answers regarding their decision in the dispute each time even after more evidence and more explaining as they do not seem to understand either. Ive gotten multiple emails from different people asking to verify my info and then saying \"we haven't heard from you in over two days we will go ahead and close this case then and mark resolved\" after I emailed them more than ample times, also telling them all my points of contact when they would email me from all the different emails I had to make. This just shows how unorganized they are while not communicating with one another. No one gets back to questions I have or comments I make about their email. I had explained on multiple accounts that \"I had to change my email, this is my knew XXXX\" and its as if they never see what comes through from me. The emails Ive gotten always say the same thing too at the end after all my work I put in to gathering my evidence and sending it to each individual person, even XXXX from the bank they bank through XXXX XXXX),I had sent all my evidence to on. First contact with her was on XXXX XXXX . Then a supervisor by the name of XXXX XXXX asked for the decision on the dispute be reconsidered on XXXX and that's when I sent the really pertinent information over that showed XXXX database of that specific order I was doing at the time this all happened and the name of the customer (as he (the hacker) has placed many of these two item orders before) all of which get canceled. How he uses the same fake name with multiple cards. I tried explaining that the customer shown is the person that called me and hacked me. That he is creating these fake orders to get drivers contact info and tries to trick them to do this return all while threatening suspension and then sending a code to their phone to be verified by the driver. That this has not only happened to me, that XXXX has had complaints from multiple drivers of this happening to them. This was on the news, on XXXX posts, all over online, XXXX forums and he does this all over the country. I fell victim to it and they wont even reconsider me or my plea, the only email I get from this XXXX XXXX XXXX explains, \"the nature of the payment in question is an instant withdrawal via a linked debit card, in order for payments of this nature to process they must be initiated from directly within your FOUND account while verifying the pin associated with you account (which is not true because I have never come across this in the past) and that there is no indication that it was compromised prior to these transactions\".\" There were no new devices that gained access to your account therefore ruling out your account was compromised\". I feel like there is something hindering FOUND from giving the money back to me that either they dont understand what has happened STILL and why it is that they wont even credit me during the process of the investigation nor give timelines or act on their word or follow through with follow ups, and have it go way past timelines or they frankly dont want to pay the money. They have not done anything they are supposed to do as a bank should do. From my understanding they are a pretty new online banking system.\nAll I can say is theyve been nothing but resistant and shut me down each time. Im at a point in which I dont know where else to turn or who to turn to since they have made it impossible to communicate anything at all. I am to the point of wanting to file a lawsuit against their company or organization and thought it would be in my best interest to start here first if anything. I cant let this go without trying everything I can to retrieve what was stolen. That was all my hard earned money and for them to deny my tireless attempts as if I have nothing better to do feels as though my words are falling on deaf ears as my plight to recover the stolen funds go unresolved . I am a busy person and this has taken all of my time apart from work since this whole thing happened.\nA total of all funds from all the banks was well over XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in all accounts from transactions I did not allow and no one was given access to by me and somehow this person hacked into them, transferred money somehow and left me penniless without a way to pay for anything. This was the last I ever spoke to this fraudster/ hacker criminal. The number that came up was an XXXX number (XXXX) when the call ended but said Spark delivery on it when it came through. So I was assuming that is where the call came from. I have all the evidence you could need all I need is someone willing to hear me out, take my statements and evidence into consideration, and take the time to do the work as I have been.Someone that will have my back and protect my finances and losses as I have read their are certain protections in place for consumers and bank customers like me from banks that are not out to protect their own customers and frankly don't care. That I have rights too all I need is someone to go up to bat for me. _W_H_A_T_ The bank I want to file a complaint with while also reporting this hack/scam is now with _W_H_O_ FOUND Date of transactions needing to dispute are on:\n_W_H_E_N_ XXXX XXXX XXXX XXXX XXXX withdrawal XXXX XXXX from taxes pocket in the amount of XXXX XXXX XXXX withdrawal from primary to XXXX XXXX XXXX XXXX XXXX then a withdrawal to visa debitXXXX XXXX XXXX XXXX XXXX XXXX\nThere was an Attempted transaction oXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat did not go through placed in XXXX XXXX then a:\nTransaction of : XXXX pocket transfer to primary on XXXX @ XXXX and then:\nanother pocket transfer of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then a:\nTransaction of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX location New York\nthen a : instant transfer of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX\n\n_W_H_E_R_E_ scam/hack happened in Missouri : FOUND - no location /online bank - Bank through: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n_H_O_W_ By scam/hack/fraudster/impersonator/ IdentityTheft/ cyber crime\n_W_H_Y_Stolen funds/account takeover/unauthorized transactions/bank being uncooperative in retrieval, not investigating further of transactions and their destination\n\nFOUND bank was made aware as soon as I could talk to them the following business day XXXX since this all happened at night. I immediately froze the account on XXXX because This person gained full access to it and they were and are still unwilling to listen to anything I had to say nor would look at my emails or attend my calls.\nThey didnt provide me with any information on what to do or what will happen, just froze my account to then later find out that I wasnt able to reach them over the phone with an automated message stating that because of the freeze they are unwilling to take my call. This went on for some period of time to then later still being unable to talk to anyone even after the account was unfrozen. They set a new recording up following that stated that all disputes will be handled through email and that they don't take calls regarding disputes, which was not in place before this incident happened. I needed to promptly speak to them as I had to make them aware that this hacker was changing my account info to a different phone number and email address (XXXX XXXX XXXX) and that I needed it changed back to mine so I can access my account again and regain some form of control back. The day of XXXX XXXX I made sure that they knew that if they got any call or email not from these said contacts of mine that they were not me since I didn't have control over my account anymore and didn't want them not believing me or not knowing who was the right owner of the account. Another thing is they hadn't set any further measures in place to verify my identity for that matter to know they were speaking to the right person. Who was to know if this person would call and contact FOUND reversing any measures I had put in place.\nIt almost feels as if they are the ones at fault here as I didn't receive any alert or notification of transactions or even fraud alert and the destination of where these transactions were sent was in New York. I find it kind of funny and a major coincidence that FOUNDS bank (XXXX) is located in New York. What are the odds? Again Ive sent them numerous documentation and photos, screenshots , evidence upon evidence. Ive never made transactions of this nature with this bank of mine nor with any of my other banks and FOUND doesn't even consider that odd or fishy?\nI have police report that I filled immediately stating the facts and have multiple evidence based reports of this crime and the incident this man is posing on innocent people. I am not the only one. So case in point I got scammed had only verified with the man my DOB and last four of my social and name and email.This scam has shown to wreak havoc on peoples lives and the money they take from people. I have been trying to work with FOUND since XXXX and they continue to turn a blind eye on the situation as I am shedding light on it. I am just as puzzled about this whole thing as anyone and certainly don't understand how something like this can happen and feel like its partly the banks negligence, lack of security, verification set up and protocols put in place when things like this happen. Proper verification processes and means of protecting my funds could have possibly prevented such from happening. By the next day though it was already too late at that time for the freeze to even have made a difference. I changed my account number too but again too late. If I was alerted at first when these occurred I could have saved more transactions from happening.Them not following protocol or following up right away could have made a big difference but no they allowed so much time to pass by and for it to be forgotten about and the matter to have not been dealt with a sense of urgency and time sensitive things could have resulted different but Found only gets back to me when its most convenient for them after multiple attempts of communication and reaching out. I have more than enough evidence and have a full on case in which the police are trying to catch these people who are still doing this.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9193310", "source": "cfpb", "group_id": "cfpb/f6ee0d4b015b3d8ad2a9", "variant": "clean", "length_bucket": "long", "chars": 17773, "company": "Indie Technology DBA Found", "date_received": "2024-06-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "f6ee0d4b015b3d8ad2a92a2eddb7010797f3c79bbd6ec91e9312b5f10adcf043", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had tied automatic payment to a savings account and failed to timely transfer funds. When I discovered the issue on XX/XX/XXXX, I immediately transferred funds ( {$24000.00} ) from my checking account directly to Citibank that same day, as XXXX literally just confirmed to a manager at Citibank ( XXXX from Florida was all the information the Citibank manager was willing to provide ) with me on the line. Despite immediate receipt of funds, Citibank only removed the hold after I called twice to complain.\n\nCitibank number XXXX XXXX XXXX XXXX. XXXX checking number XXXX.\n\nSincerely, XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "making_payments", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/4156641", "source": "cfpb", "group_id": "cfpb/f4a64409ababf58c89a9", "variant": "clean", "length_bucket": "short", "chars": 602, "company": "CITIBANK, N.A.", "date_received": "2021-02-22", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "f4a64409ababf58c89a94c02bca43de0d5c9b54ebed5e60391a47c41d4be7292", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Barclay I'm filing a formal complaint via the CFPB website. On XXXX XXXX, 2019 you reported to all XXXX credit reporting agencies. XXXX charged off account ending in ( XXXX XXXX & XXXX How ever after reviewing my credit file I found several violation of the FCRA. & FDCPA you failed to report that the accounts was sold Transferred to 3rd party debt collected. per the FCRA this is a violation I asked that you delete account XXXX / XXXX immediately or I will take Legal action for {$XXXX} per account on each reporting agency. if the account are not removed from my credit files because this is unfair reporting on your behalf.\nViolation # 2 both accounts XXXX XXXX are reporting balances if you have sold this account to XXXX XXXX XXXX XXXX you DO NOT have the right to still report the balance since you are no longer the Owner of the accounts again you could be fined {$XXXX} for violation the FCRA. again please delete these account from my credit files ASAP for violation! and Unfair reporting. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI demand the following accounts be or deleted immediately.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3308279", "source": "cfpb", "group_id": "cfpb/1981ed361f3cedb7e7ca", "variant": "clean", "length_bucket": "medium", "chars": 1299, "company": "BARCLAYS BANK DELAWARE", "date_received": "2019-07-16", "product_raw": "Credit card or prepaid card", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "1981ed361f3cedb7e7caad45e7bfdc37d5068a3007bc4f8b59e4b8d9a4f2d354", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This debt summary of facts is to the best of my ability without including all documents with private information completely false. The collection has been done deceptively by lying, forging documents, forging a fake XXXX payment to post to their account recently to set the said debt back into \" active '' as it has still never been validated. The amount is completely made up and used a one page document as their client XXXX XXXX XXXX being the original creditor they represent who is a debt collection company anfmd one of the biggest out there apparently- McHughes Law Firm sent a one page total amount owed proof of nothing but stating it was fees and interest on a principle amount that was owed of debt that doesn't exist.\n\nDate of fake debt is documented either by the debt buyer or debt collector or clerks, lawyers, and/or judges that shows a receipt of something no one has a clue about or can provide as the \" when '' started other than it appears that on a ledger somewhere by someone around XX/XX/XXXX-ish.\n\nXX/XX/XXXX : Judgement granted without any stop after receiving my dispute in an answer and all parties have ordered a disbursement of funds by a wage garnishment through a 3rd party out of state payroll vendor.\n\nAmounts : ~ {$14000.00} Actions taken by all parties : XXXX XXXX XXXX, XXXX, the debt collectors ( no original creditor provided until adding a bank name on the court filing made on the last documents never disclosed and not on any verification of debt or online charging me with the judgement ). This slip in at the end is hardly the beginning of the unbelievable nasty, lying, thieves that I heard XXXX XXXX teach about for years while paying off XXXX in student loans.\n\nNo, all 3 credit bureaus show not even a hint of this on my reports. I know exactly what is on them but checked them again as I try to weekly if possible to see my XXXX report as I was an account they have I ALSO NEVER SET UP IRONICALLY THAT WAS DIRECTLY CONFIRMED AS PART OF THEIR DATA BREACH LEAK AND SETTLEMENT OWED WITH IDENTITY THEFT PROTECTION PROVIDED FREE WHICH SEEMS HARDLY EQUAL TO SOMETHING FOR COMPENSATION AS WHY NOW?! PRIVACY IS TRULY A LUXERY.\n\nMcHughes refusal to provide verification of a fake debt led to no disclosure of the total amount nor was it one creditor or more than one? A fraudulent no image of it \" receipt '' is posted for payment of {$10.00} a few weeks ago which allowed enabling this \" complaint '' of FACTUAL PROOF OF THIS BIZARRE false claims act, forgery, fraud, writ of garnishment, JUDGEMENT? WITH ORDER TO DISBURSE FUNDS GRANTED HAPPENED. IS HAPPENING and its in addition to receiving my answer within 30 days of the one page \" hey McHughes Law Firm here just stating you owe this and have an employer we can garnish from '' as i answered within 30 days and a default judgement that was granted by an incompetent court but a service processor somehow as there's also no proof of that at a minimum besides a subpoena to show up at a court that's not supposed to be open still in order to dispute the unknown to me or the public as I was granted no right beyond answering a process server affidavit filed, he reiterated fact of failure to state a claim simply has to be addressed but ultimately my answer back clearly disputing the entire debt complaint wasn't ideal for them. The debt collector publicly posting online by publishing it like they sadly do hundreds of pages of people for crimes they \" committed '' before it ever or never gets thrown completely out by I see now on the others NO DEFENSE ATTORNEY. Oh, garnishment granted by JUDGEMENT was without not only the petty right to counsel if ONE EXISTED AS THERE CLEARLY ISN'T I didnt get that right to a speedy or fair JURY NOT A BENCH TRAIL IN THIS JURISDICTION EVER-yep, all withheld from me, but ONLY after disputing the debt not verified by McHughes. She looks like a logical, competent attorney online so no, my answer back was probably shocking as people don't have a clue what to do with this scheme of buying debts at XXXX pennies on the dollar as it doesn't matter what if ANYTHING EXISTED AS A DEBT FOR ME AS MAYBE THEY ALL HAVE LEGITIMATE ONES THEY OWE BY YOU AS THE PLANTIFF AFTER THIS. IT'S A \" PRECENDENT '' XXXX. YOU AND ALL 4 ON THIS SHOULD BE DISBARRED AND REPORTED TO THE STATE BAR FOR KNOWING XXXX WELL THEY ALL CAN'T BE ANYTHING BUT SCARED, BROKE, CONFUSED, AND WHEN YOU SHOW UP FOR THEIRS OR BALLSY ENOUGH TO EVEN REPLY TO MY ANSWER AS YOU WILL SHOW UP TO ALL THEIRS LIKELY : DEFENDANTS CHECK HER MATH. THE ENTIRE COURT. AND REMEMBER THIS.\n\nIn closing, XXXX, making up a summary judgement settlement amount to garnish without my negotiation of my own fake debt is disrespectful, even though it's fraudulent and doesn't exist. It's not yours. Or the Courts, or anyone else that decided to take part in this. The fake debt and assignment of wage garnishments to an \" employer '' in biweekly payment deductions after taxes from gross pay to fund by your EXCELLENT MONEY HANDLING AND MATH SKILLLS ARE SOMEHOW STILL ALL unknown with an unverified debt amount?! The only creditors are McHughes and XXXX XXXX XXXX if there could be. XXXX pennies used to purchase XXXX dollar is quite a burdern you give a debtor. Let 's all do business with McHughes now and trade XXXX pennies for a buck today. Disbarring her and her little firm would be humiliating to do to her now.\n\nThe judgement as yiu might imagine has been given to another judge right after XXXX XXXX scribbled her name down and got the he'll out of there fast handing it off to XXXX. Why does he have to handle it XXXX. Rhetorical.\n\nThis has since passed to and through 3 different banks, the payroll funding customer, and a 3rd party payroll company in Michigan that the garnishment deducted was done WAY PAST PREPONDERANCE OF EVIDENCE that all were aware & it deposited directly to a FDIC Insured account as Michigan finds that is clearly by distance best to pay willsub.com employees as no option to receive a payroll check by them labeled XXXX XXXX XXXX, XXXX d/b/a XXXX d/b/a XXXX who none of you might also imagine haven't returned my calls back nor texts nor emails regarding any of this for weeks. Pay stubs are all i have a paper payroll check images with the available info needed of the other 2 banks involved and the main culprit, the payer of payroll funds to XXXX to \" process '' from Arkansas as a state and very likely a federally classed government employee. We will all know it's not hard to see. Speaking of while the court gets a chance to look at all these McHughes complaints NOT CLAIMS that'd be acting like you clearly..when tripping over the wrong SUCKER while scaring others I see DAILY AS XXXX YEAH XXXX PENNIES FOR A DOLLAR? ILL BUY ALL OF THEM! SAID NO COUNSELOR WORTH THEIR SALT OR WHO LICENSED THEMSELVES TO APPEAR AS SUCH. JUST WALK IN A BANK AND XXXX IT OR START TAKING PEOPLE 'S PURSES IN BROAD DAYLIGHT. YOU HAVE IMMUNITY AND THEY DON'T. YOUR BACKUP WILL TOO.\n\nI HOWEVER TOOK AN OATH TO DEFEND THIS COUNTRY AGAINST ALL ENEMIES FOREIGN AND DOMESTIC AND I WILL BE WATCHING THEM AS THEY SHOULD ALL FEARLESSLY NOW LOOK AT THEIR ACCHEY USATION YIU MAIL LIKE A COWAD AND GROUP AS A CLASS ACTION LAWSUIT. THEY OWE SOMETHING LIKELY. SOME OF THEM. WHO KNOWS.\n\nCOURT CLERK HIDING : I HAVE MY XXXX CENTS TO FILE. BESIDES THE FILINGS OF ETHICS AND INTEGRITY ON THE XXXX, FTC, EGOVERN, FCRA, FALSE CLAIMS ACTS, THEFT OF PROPERTY, OBSTRUCTION OF JUSTICE, CONSPIRACY ( PICK WHICH TYPE TO LABEL IT FROM THE LIST ), AND SO ON ... YOU STILL HAVE POWER PRETTY EQUAL TO THE ADMINISTRATIVE LAW SUIT ALONE, RIGHT? DO ONE GOOD THING BEFORE YOU GET YOUR BELONGINGS AND LEAVE EVERYTHING TO GO THROUGH : MAKE SURE ALL FDIC INSURED BANKS I WON'T NAME GET THIS MEMO FROM THEIR BOSS.\nhttps : //www.federalreserve.gov/supervisionreg/regggcg.htm P.S. XXXX XXXX can you at least help me figure out down to the XXXX pound and duetch mark what to sue your law firm for total? Jk. It's a minimum of 1 % of your firms and all of your personal net worth. Or, XXXX depending on which after VERIFYING 1 % OF EQUALS IS. AS YOU NOW KNOW.\n\nTO CFPB : IF YOU DONT WRITE STUFF DOWN IT'S LIKE IT NEVER HAPPENED.\nTHIS IS A TRUE STORY. HAPPENING RIGHT NOW. ANY ASSISTANCE IN HANDELING THE AMBUSH OF NOW JUDGES WOULD BE GREAT. IM ONE PERSON. THIS IS CLEARLY A PROBLEM. FTC.GOV I SAW HAS MILLIONS OF THESE LITTLE DISGUSTING MOOCHES IN SOCIETY DOING THIS IN ALL 50 STATES.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/3994112", "source": "cfpb", "group_id": "cfpb/278e0419da7be0a3fb4a", "variant": "clean", "length_bucket": "long", "chars": 8450, "company": "The McHughes Law Firm, LLC", "date_received": "2020-12-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "278e0419da7be0a3fb4a9026eeda4b17f7de8d36d093e040adc615270fa7a4ee", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "These companies have tried several times to collect a debt ; on the weekends and late at night. I have also gotten text messages at any time of the day. I have sent information to request removal due to being unable to pay the debt, a good faith removal, with no response.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "communication_tactics", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9298291", "source": "cfpb", "group_id": "cfpb/096cea21c2124a8cb722", "variant": "clean", "length_bucket": "short", "chars": 272, "company": "Resurgent Capital Services L.P.", "date_received": "2024-06-19", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "Frequent or repeated calls", "text_sha256": "096cea21c2124a8cb722e67c87a3b93956afa0430b7c730335f6b758bb0202c6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "When filing my taxes before XX/XX/XXXX and reviewing my income and expenses in the Regions bank statements for the year XXXX, I realized that in the month of XXXX and the first days of XXXX the amount of {$9300.00} has been withdrawn from me in three electronic withdrawals.\nUnder the statement XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} At that time, I was diagnosed with XXXX, and I am still XXXX XXXX so I neglected myself. You have your money in a Bank to be banked and taken care of as a basic principle.\n\nI submitted a claim to the bank, which I attach, and I also attach their response and another letter from the bank indicating the number of the outgoing transactions and with which they entered the unit that took the money.\n\nThere is no doubt that this has been carried out within the bank or in the offices of the city of XXXX, a third alternative, a hacker, which would leave something to be desired regarding bank controls.\n\nI Also have been at the office of the XXXX XXXX tax collection where they indicated that they didnt did those charges, and they dont withdraw directly.\nAlso, I put a claim at the police office of the XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/7776086", "source": "cfpb", "group_id": "cfpb/ce6778a078f7b23a3240", "variant": "clean", "length_bucket": "medium", "chars": 1211, "company": "REGIONS FINANCIAL CORPORATION", "date_received": "2023-10-30", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "ce6778a078f7b23a32406b657bcdd61227808257abc6cd6bece62828997b1291", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Springleaf Financial Services My name is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I am writing to you because I have had an ongoing issue for over 5 years and have been unable to have it resolved. I have reached out to multiple departments, including my local XXXX XXXX and XXXX XXXX. I have had no resolve. In XXXX of XXXX, a company called Springleaf Financial informed me that I had started to apply for loans that I never received. Springleaf also stated that I received several checks and endorsed them and cashed them. I am disputing this because I never received these checks. I was hospitalized during these alleged check issuances and cashing. I have included this proof with this letter. I have also included a copy of these checks. I strongly believe that my identity was illegally used to obtain these funds. I have hired various attorneys such as XXXX XXXX and XXXX XXXX but neither attorney provided me service. I also have paperwork and documents to prove this. I have taken out a loan with Springleaf in the past for {$500.00} and when I went to pay it in full I realized that there was extra money taken out in my name. I have been fighting this case for several years now and now I am seeking your assistance. It is hard for me to hear and I am forgetful so please send any correspondences to my box listed below.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4548934", "source": "cfpb", "group_id": "cfpb/a8d21ea45609fdfe7602", "variant": "clean", "length_bucket": "medium", "chars": 1339, "company": "OneMain Finance Corporation", "date_received": "2021-07-16", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Received a loan you didn't apply for", "sub_issue_raw": "", "text_sha256": "a8d21ea45609fdfe760235afaede6a9687954efb2892a942571d9e994504a81d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This account is reporting delinquent for two months of XXXX and XXXX of XXXX both months were paid on time I believe. This amount is claimed to be late because they had added extra charges and I continued to pay regular payments without realizing that they had added extra charges. Once I was able to make contact the payment was made. I don't believe that this should be counted as a late payment. This is affecting my ability to make other purchases.\n\nHowever, Even if this information is not good enough to remove the delinquents. This is also a time when my entire business was shut down due to the pandemic. I think that since I was never late with this company and taking into account that the country was in a pandemic I believe I should be able to have these removed. I have made contact and have had no success.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5766296", "source": "cfpb", "group_id": "cfpb/7a32eb1aa6c518be1614", "variant": "clean", "length_bucket": "short", "chars": 821, "company": "ALLY FINANCIAL INC.", "date_received": "2022-07-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "7a32eb1aa6c518be161439a26b2cea8f48165c6b16cc4de68442e86bb1828f64", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To my knowledge, I was never late this many times on my Credit Acceptance auto loan with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 days past due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have had this auto loan since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3200352", "source": "cfpb", "group_id": "cfpb/a76f83b2d91fefa3e5b4", "variant": "clean", "length_bucket": "short", "chars": 550, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2019-04-03", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "a76f83b2d91fefa3e5b41e184e133884345738d2ec2880142817859315bfe022", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2044893", "source": "cfpb", "group_id": "cfpb/3e569731fdebe230590d", "variant": "clean", "length_bucket": "medium", "chars": 2264, "company": "MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC", "date_received": "2016-08-03", "product_raw": "Money transfers", "issue_raw": "Other transaction issues", "sub_issue_raw": "", "text_sha256": "3e569731fdebe230590dd715b656862858c2dd55481591cd32782762c7b90fc4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper \" investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6631093", "source": "cfpb", "group_id": "cfpb/6523a20b0a35a3e29548", "variant": "clean", "length_bucket": "long", "chars": 5836, "company": "EQUIFAX, INC.", "date_received": "2023-02-28", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "6523a20b0a35a3e29548035cacf326909f73cd2d0a1331d2d88e9224e6c21bfb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX / XXXX / XXXX I deposited {$400.00} in cash a t Wells Fargo XXXX XXXX . On XXXX my online statement showed the {$400.00} deposit with a reversal. I made a copy of the statement. The person ( XXXX XXXX ) said she sees no deposit, but will research it. Next day on Thursday I see XXXX deleted the deposit off my statement. I see the branch manager and she says we will research it. Now the bank just says they see no deposit. Well, as I said XXXX deleted the deposit off my computer records. The bank refuses to put the money back in my account. I got a police report. The bank does not give receipts unless you ask for one, but look I have the deposit on my copy of the statement. The bank refuses to tell who took the deposit, who re versed the deposit, who deleted the deposit. If that is not a sign of guilt, what is?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2442864", "source": "cfpb", "group_id": "cfpb/572c99a10fdca6e6d7af", "variant": "clean", "length_bucket": "short", "chars": 850, "company": "WELLS FARGO & COMPANY", "date_received": "2017-04-19", "product_raw": "Bank account or service", "issue_raw": "Deposits and withdrawals", "sub_issue_raw": "", "text_sha256": "572c99a10fdca6e6d7af2d23a4bd0a825c60981d2531cae803552430d89cfdc8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX USCB Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Cease and Desist Request Regarding Credit Collection Dear CFPB, I am writing to formally request the immediate removal of the collection account listed under my name, identified by account number XXXX XXXX, from my credit report. This collection is appearing open and closed on my report. Also, showing as missed payments. But this account is in collections. Which is inaccurate reporting. This company is reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership validating that this account of such and other documents so I may review to see if this account belongs to me. Collector hasnt provided the correct validation requested, proving matters to this account. According to 15 USC 1692 c you have violated my rights by lawful communications.\nUnder the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the legitimacy of any debt claimed against me. Specifically, I have requested that you provide me with my wet signature on the original contract and the actual payment history associated with this account! paid. To date, you have failed to provide these documents.\nAs you have not provided the requested verification, you are in violation of these regulations. I am therefore requesting that you cease all collection activities and remove the collection entry from my credit report immediately. Failure to comply with this request will leave me no choice but to escalate this matter to the appropriate regulatory authorities.\nPlease confirm in writing that the collection has been removed from my credit report and that no further action will be taken.\nThank you for your prompt attention to this matter.\n\nSincerely, XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9970215", "source": "cfpb", "group_id": "cfpb/b1a287acff411cb59b00", "variant": "clean", "length_bucket": "medium", "chars": 1902, "company": "USCB Corporation", "date_received": "2024-08-30", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "b1a287acff411cb59b00f43a15ae3f8284efdfd99e2328eba9842299b32c4bfb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We closed on our VA loan with Clearpath Lending, XXXX, Calif. on XX/XX/2020. We get daily fliers from them-asking us to refi. Now we are getting daily emails from them. They are annoying and we have called to have them take us off their mailing list, but they just ignore us. Have also emailed them. Not a huge deal, but very annoying. Because of this we would not recommend them to anyone.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4407052", "source": "cfpb", "group_id": "cfpb/eb20276ca88e549ac168", "variant": "clean", "length_bucket": "short", "chars": 390, "company": "ClearPath Lending", "date_received": "2021-05-26", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "eb20276ca88e549ac168309903c335df943c3783753ff37eef3979ca155d96e1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was contacted by Navient a month ago and told my loan payments were in default and I needed to pay {$1000.00}. I told the woman on the phone that I had not received anything from them previously. When she gave me the contact information they had on file, it was an address that I had n't lived at in over 10 years. I said I did n't have that kind of money sitting around and I felt that I should 've known about the payments before they were late. She then became threatening about my credit and disregarded the fact they had the wrong contact information. My husband was in the XXXX and the address they had was our duty station in XXXX. He was XXXX XXXX and we now live in XXXX. We had to file bankruptcy and I did not know I had a payment due.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2351423", "source": "cfpb", "group_id": "cfpb/e20bfe7f774dbab966c8", "variant": "clean", "length_bucket": "short", "chars": 748, "company": "Navient Solutions, LLC.", "date_received": "2017-02-18", "product_raw": "Student loan", "issue_raw": "Can't repay my loan", "sub_issue_raw": "Can't get flexible payment options", "text_sha256": "e20bfe7f774dbab966c880ea90955eed2e0e7a1eb0ecfea17ace509259c5b86a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5881407", "source": "cfpb", "group_id": "cfpb/a9197a72bb4c10aa50fe", "variant": "clean", "length_bucket": "medium", "chars": 1399, "company": "ALLY FINANCIAL INC.", "date_received": "2022-08-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "High-pressure sales tactics", "text_sha256": "a9197a72bb4c10aa50fef0e05755e831c0b332fe21a3be9efce1fa4c5192aec8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Claim number XXXX XXXX XXXX XXXX XX/XX/XXXX My Debit card, Government Id and social security were stolen last year a while back late XXXX Somebody used my information to take money out of my account and wiped it clean of XXXX This money was meant for bills rent and my mothers funeral wish I am unable to do.\nThis situation has caused me to be homeless living in my car with little hope left.\n\nI have been fighting this claim and in the end I get no resolution Bank of America is refusing to take my claim into reconsideration and has made it even harder for me to get help from them.\nI now have to write a letter everytime they deny my claim, asking that it be reopened in writing.\n\nThey asked me to submit supporting documents including a police report, identity theft documents and my id for further investigation. I sent all 3 and still am getting denied. Please help me Please please help me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9384136", "source": "cfpb", "group_id": "cfpb/37c2d3a9ed394fc44145", "variant": "clean", "length_bucket": "short", "chars": 901, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-06-29", "product_raw": "Prepaid card", "issue_raw": "Problem with a purchase or transfer", "sub_issue_raw": "Charged for a purchase or transfer you did not make with the card", "text_sha256": "37c2d3a9ed394fc44145c8f61ddf7f5ac0ff7e5c8fdb5324bb8b81133f8fadfa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Citizens Private Client Money Market XX/XX/XXXXDeposit {$310000.00} Total : {$510000.00} Made this deposit in XXXX and was told that our rate would increase from the XXXX XXXX XXXX 1 % to the XXXX XXXX 3 %.\nHasn't happened. Been to my local bank twice to check on any progress ( NONE ), and was assured that the 3 % rate would be retroactive to the XXXX deposit date ( hasn't happened ). This is all completely unacceptable. Also, I missed by a day a promotion increasing the XXXX XXXX rate from 3 % to 5 %, because I had no notification in advance.\nUnrelated, I had to catch a deposit error leaving {$600.00} off my checking account. Not sure if the bank would have caught the error.\nWas sent a bank-rating questionnaire and mentioned the interest-rate issue. Never heard back.\n\nCorrect this immediately, with the retroactive interest.\n\nContacted Citizens Bank and was told the \" promotion '' offer of 3 % was not in effect in XXXX ( local branch assured me it WAS ), but since then no interest increase has been applied to my account. It is now XXXX and the Bank 's rate is now 2.96 %, yielding 3 % annual, NOT affecting my account 's 1 %.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6974432", "source": "cfpb", "group_id": "cfpb/adc8ee964bc2198f1858", "variant": "clean", "length_bucket": "short", "chars": 1146, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2023-05-13", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "adc8ee964bc2198f18583e452466d2e694a09987537584e69f9170c1129de4e1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX-XX/XX/XXXX I went to XXXX XXXX to purchase a vehicle with my Pre-Approved State Employees Credit Union auto loan. I picked out a vehicle for purchase and contacted State Employees Credit Union to complete the loan process. I spoke with XXXX in the loan servicing center. She said I must fax over proof of insurance on the vehicle, my drivers license, pay stubs, and bill of sale on the vehicle. I sent over all that information and XXXX kept us on hold for over 2 hours coming back to the phone every fifteen minutes asking a question about income and address. At the end of this call at XXXX when the dealership closed at XXXX, XXXX says the application has to be sent to risk management. The salesman stayed over to close the deal, but at the end of the call we where left to wait. XXXX said a member of risk management would reach out to me in the XXXX.\nI took another day off to close this an get my vehicle, but no one called my so I went to my local branch which is number 25. At that time XXXX XXXX comes out because you cant speak to representatives inside due to COVID-19. He then lets me know that the problem with my loan is my drivers license is they are Florida, but I live in North Carolina. No mention of income verification that was mentioned the evening before by XXXX. I explained to them that I tried every day for 2 months to get into a North Carolina DMV, but was not successful. They said I had 120 to take the loan before it expires. Due to not being able to get into the DMV here in North Carolina I took further action and went to go stay with my mother for a few days to get my drivers license in Florida. I verified with State Employees credit union by phone that this would be ok before doing so. They said as long as I have a valid drivers license they dont care what state I get them in. My grandpa passed away two years ago and I came to live with my grandma in NC. Even though I live with my grandma I frequent Florida a lot to visit my mom. I let the bank employee know this. XXXX say he cant do anything further and he then gives me information for XXXX at another branch. I call XXXX and he says he would check with risk management about guidelines. XXXX comes back on the phone after several minutes and says guidelines say as long as my car is insured, titled, and my address is all North Carolina I can get an auto loan. He said he would notate the account and for me to head back over to branch number 25 to pick up my loan check and sign promissory notes. I then head back over to the branch and XXXX calls back out and says there is still a problem, we cant verify your income. XXXX nor XXXX mentioned anything about that. I was told to go pick up my check and now Im given the runaround again. She also proceeds to say she has no income information to verify. Remind you XXXX kept us on the phone phone over two hours the night before discussing my income. Now they dont have it, but they have everything else the dealer sent over. I say to her that I will go get them. I go to a local print store and have the dealer fax me all paperwork sent to the bank the night before and pick up papers. I go back to the bank and give her the paperwork again. She goes back in and comes back out half an hour later and says a family member owns the corporation you work for and we cant extend you the auto loan for that reason. I explained to her that I may be young, but I know that at this point Im being profiled and singled out because I am a young XXXX female. It is now XXXX and Im still getting the runaround. I ask for the number to XXXX to have this matter escalated and she says let me go get it. She returns with the name and number for someone in her branch. Not the corporate information she promised.\nMy mom then call that number even though it was not what I ask for or was promised and spoke to XXXX XXXX. She gets on the phone all nonchalant and says Im district manager and you have to speak to me before you can speak to someone in XXXX. She explains again that this is not fair practices or proper protocol. I want to nip this in the bud now. She puts her on hold and connects her to risk management. XXXX in risk management says all we need to do is verify the income because her check does not come to this bank. My mom offered to print out my bank statement and send. She says no need. If you can open your banking app and show us where you receive a deposit each week that matches the amount on your check stub we can proceed. I then return to the XXXX branch on XXXX XXXX and wait for another hour. An employee not XXXX who was supposed to come out looks at the banking app and verifies the deposits in the same amount of my check stubs for the past four weeks. We wait another thirty minutes and XXXX calls back and says we cant accept because all the deposits didnt go ACH transfer. I ask XXXX if I could bring in the statement because the employee said he didnt see the deposits. He says no bank statements are not good enough we need tax returns now. I ask if it wasnt good enough why did you have me wait an hour for someone to look at my banking app? He has no answer except unfortunately we cant move forward without tax returns. I explained I have none. Im XXXX and have never filed taxes. Although, I have been working for years I have only been working full time since 2020 and I have no tax returns. He says Ol well unfortunately there is nothing he can do. He then connects me with XXXX and she says the same. I ask her why are they being unfair and racially profiling me? She says no its not that. I says yes it is. You ask for proof, I provide what you ask for and you say well that aint good enough. They had me purchase insurance on a car and give me the runaround for two days. I did my research and I know this is not how it goes. I ask XXXX XXXX for her bosses name and she says I cant give you their name, but I can have them call you on Monday or transfer you to their voicemail. She says hold on and hangs up the phone. She did not call back to give me information to escalate my issue because I told her I was filing a complaint.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3941385", "source": "cfpb", "group_id": "cfpb/c7652ecc7e3c2ce9a3ff", "variant": "clean", "length_bucket": "long", "chars": 6121, "company": "STATE EMPLOYEES CREDIT UNION", "date_received": "2020-11-07", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Changes in terms mid-deal or after closing", "text_sha256": "c7652ecc7e3c2ce9a3ffe5cb326e1cda3f2de9ccee0a289e4e16cd3aa8278518", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a bill in the mail for a milestone credit card from genesis fs card services ( account ending in XXXX ). I did not apply for this card. I have not received this card and I don't want this card. Bill date I received was XX/XX/2022", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "getting_a_card", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/5845071", "source": "cfpb", "group_id": "cfpb/102c4fb2bc5826cc6e01", "variant": "clean", "length_bucket": "short", "chars": 240, "company": "CLGF Holdco 1, LLC", "date_received": "2022-08-04", "product_raw": "Credit card or prepaid card", "issue_raw": "Getting a credit card", "sub_issue_raw": "Card opened as result of identity theft or fraud", "text_sha256": "102c4fb2bc5826cc6e019f10a071357ceabbf43bb8e1e90d3be8174426afab86", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Details on Chase Bank Situation XX/XX/2021 : Chase says I made a deposit for {$560.00} that included a check for {$250.00} twice.\nThey provided me a copy of that check from XXXX XXXX # XXXX for {$250.00}, a XXXX XXXX check made payable to XXXX XXXX. The check is stamped for deposit only to named payee by Chase. I have no knowledge of this transaction, do not know either person, and have never had such a transaction occur in my account.\n\nXX/XX/2021 : Chase bank writes me, states they are taking {$250.00} out of my account due to the above situation.\n\nXX/XX/2021 : XXXX ( a representative ) @ XXXX tells me that a check was deposited twice for {$250.00} or {$560.00}. She talked to XXXX in Research and thats all they can tell me. I ask for a supervisor and Im transferred to XXXX. XXXX then talks to XXXX in the Research Dept. says I either deposited or cashed this check for {$250.00} twice. Which one, deposited or cashed? The two transactions are very different from each other.\n\nBoth XXXX and XXXX admit they do not have enough information to answer any of my question further. They say they only know the check was presented and cashed twice.\n\nHow could I possibly cash a check from XXXX XXXX # XXXX for {$250.00}, a XXXX XXXX check made payable to XXXX XXXX. Remember that check is stamped for deposit only to named payee.\n\nXXXX XXXX ( XX/XX/2021 ) : On the phone with XXXX XXXX : XXXX - I say I do not understand how I could deposit a check that I never had possession of. Each check is run thru their system right in front of the customer at the teller window, is there video documentation of me depositing or cashing this check? And why has it taken 3 weeks to find this alleged error? He tells me unless I come to the bank, he cant look into the situation.\n\nI get to the branch approx. XXXX and XXXX XXXX XXXX me I need an appointment. I tell her I spoke to XXXX at XXXX XXXX and he told me to come down at my convenience to the branch. I told her Ill wait until someone helps me. I am passed off to a banker cubicle.\n\nAt XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX Branch ) meets with me. XXXX quickly discovers there is no connection between my account and the check in question. He says ( 8 ) check were cashed, 1 @ {$80.00}, XXXX XXXX XXXX @ {$45.00}. Nothing for {$250.00}, {$500.00}, or {$560.00} seems to be related to me in any way.\n\nWhile XXXX is on the phone a representative tells XXXX I made this transaction at The XXXX XXXX XXXX. I try to find out where that branch is and it seems to be in XXXX XXXX, CA. XXXX says to the representative, XXXX was not in Colorado that day she was in XXXX XXXX. I'm totally confused by the comments about XXXX Branch.\n\nAfter an hour or hour and a half or so, XXXX tells me they will let him know something in 24hrs. He never hears back from anyone. On Thursday morning he checks into the matter himself and sees a credit for {$250.00} in my account ; he called me with the update that morning. He says they just made an error in the back office. Im relieved and think the situation is over.\n\nAnd a month and a half later..\n\nXX/XX/2021 : I make a deposit at the branch ATM for {$200.00}. I come home to make sure the deposit shows as pending ( I no longer trust Chase ) and I see they have removed {$250.00} again from my business account and a service fee of {$15.00} for droppingbelow their minimum.\n\nXX/XX/2021 : Once again, I call Chase. For some reason I get XXXX in technical support when I call the number. I then get another representative that says there is nothing they can do for me. I request a supervisor. Supervisor just tells me the same thing - nothing can be done.\n\nXX/XX/2021 : I call Chase and talk to a representative that can do nothing so I request a supervisor. Im place on the line with XXXX ( Supervisor ) and he tells me he will escalate my situation. He tells me to call back Monday morning and ask for the Research & Adjustment Dept. He assures me its an error and they will give me a credit/adjustment. He gives me Ref. # XXXX.\n\nI make copies of all of my documents and drop to teller, XXXX XXXX for XXXX at the branch ( he was with someone in his cubicle ). She says shell give it to him.\n\nXX/XX/2021 I go to follow up with XXXX at the branch and they give me to the bank mgr, XXXX XXXX instead. I can tell no one has bothered to look at my documents. We spend an hour approx. calling 800 # s and they tell him they wont handle this over the phone. He is told I/we need to email my story to them. He types up the details and emails them while Im at his desk. Later that afternoon, he calls me to tell me Ill get some answers within 5 days. I never hear from XXXX ever again as of today XX/XX/2021.\n\nXX/XX/2021 I receive the official letter from XXXX XXXX that says to call XXXX if Id like to see the documentation showing why they have deducted the money from my account. At XXXX I call and get XXXX and she tells me she has no idea what the Ref. # on the letter is referring to. My nail client, XXXX, who used to work for a bank gets involved in my conversation and can not believe how illusive and rude the representative is being to us. We accomplish nothing and hang up in about 30 mins.\n\nXX/XX/2021 I call Chase and talk to XXXX and she tells me there are no notes in my file. I get hysterical and tell her I have called dozens of times, what is she talking about. When I press her hard she tells me she doesnt have access to the notes in my account. At this point we get in a screaming match. She talks over me and refuses to listen. I am irate at this point, ask for a supervisor. I am placed on hold for approx. 15 mins, no one ever returned to the line.\n\nXX/XX/2021 : XXXX Im venting to my client, XXXX XXXX about howd Im being treated by Chase bank. She says lets look on your statement for another XXXX #. We call the number around XXXX. ( We call : XXXX ) I get XXXX, I believe he said he was in Texas. He says I have 6 sets of notes ( cases XXXX in my file. He tells me after placing me on hold on and off for 30-45 mins that they are going to get back to me within 24hrs to reverse the {$250.00} deduction/error. I ask him is this still about the {$250.00} check they say I deposited in XXXX. He says yes, its about that check but now they are claiming I cashed the check but all of the correspondence said I made a \" deposit '' of {$250.00} twice. I'm totally confused! They don't seem to know what happened and they want to just take the money from me without a bit of proof that I am the one who needs to have the {$250.00} deducted from my account.\n\nHow could I possibly cash a check from XXXX XXXX # XXXX for {$250.00}, a XXXX XXXX check made payable to XXXX XXXX. Remember .... that check is stamped for deposit only to named payee and that is XXXX XXXX.\n\nXXXX assures me that I will be contacted about getting my money back in 24hrs. But I never hear from anyone. Not XXXX or his back office or the bank mgr XXXXr - NO ONE! It has been an additional 7-8 days they are refusing to respond to my inquiries ( at the time of this complaint ).\n\nXX/XX/2021 : The bank has now charged me a {$15.00} service fee becauseI I do not trust them to have any money in the account but I want to get this handled before I completely close the account. I decided I can not do this any longer. I drive down to the bank a deal with XXXX XXXX at the teller window. I ask to close my account. She says I may have to wait for a banker to close the account. I told her they havent helped me with anything thus far, please just close the account. She knows about my situation and tells me something to the effect, none of us can help what the back office does, as she rolls her eyes. So apparently everyone in the bank knows the situation. This has cost me months of frustration and dozens of hours. It is embarrassing knowing the whole bank staff has talked about my financial situation and refuses to help me. I can not ever walk in there again, they have demoralized me completely!\n\nWhen I leave I say, See you guys in court.\n\nShe laughs and says, I wont there. The rudeness I've endured should not take place when they are the ones who can not do their jobs.\n\nXX/XX/2021 : I try to follow up on the conversation I had with XXXX last Wednesday @ XXXX XXXX XXXX XXXX opt. XXXX. I get ahold of XXXX ; after being put on hold I am disconnected. I call back and get XXXX. He tells me I should hear back about my claim either today or tomorrow. I ask him if I will get notification in writing he says yes. I ask him if the notification will come from XXXX XXXX XXXX, just like all of the others, he tells me she doesnt have anything to do with my claim. I ask if she ( XXXX XXXX XXXX XXXX has a phone number I can call, as all of the previous letters have come from her. He tells me she is in the back office and they dont have a phone number. I can tell he cant or won't give me anymore info. I thank him and we hang up.\n\nXX/XX/2021 : Still no response from Chase. Ive consulted an investigator from XXXX XXXX XXXX friend of a friend ) he says they must respond by law and because they refuse to do so, my only recourse is to file written complaints about JP Morgan Chase.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/4298490", "source": "cfpb", "group_id": "cfpb/9ae474f57b1343d08799", "variant": "clean", "length_bucket": "long", "chars": 9185, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-04-15", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "9ae474f57b1343d087990134dfd7afb8cf4023335d16aa5caa581e2a9a4ef516", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am a spouse of a XXXX XXXX member. I got the loan XX/XX/. I am paying it for {$220.00} bi weekly until XXXX XXXX. I owe {$1200.00} and with the interest rate it became {$2600.00}. I am not aware of the contract regarding their cab fee which is double the loan I owe. And then I read about the MLA program for military members. We are facing financial crisis at this moment and hoping we can get our benefits as a spouse/XXXX XXXX. Thank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7853995", "source": "cfpb", "group_id": "cfpb/fa9145946634b94fd235", "variant": "clean", "length_bucket": "short", "chars": 443, "company": "CreditNinja Lending, LLC", "date_received": "2023-11-15", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Unexpected fees", "sub_issue_raw": "", "text_sha256": "fa9145946634b94fd235d6547883d2998016a9e64fc26428405ae00a39c61dd7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Subject : Formal Legal Demand for Immediate Deletion of Fraudulent Account, Investigation Into AmSher Collections, and Compensation for Statutory Damages Dear CFPB, This formal complaint is submitted on behalf of my client, who has endured repeated violations of federal and state consumer protection laws by AmSher Collections, exacerbated by the CFPBs failure to enforce their rights. Despite 11 prior disputes, including Complaint ID XXXX the CFPB has failed to address clear evidence of fraud and AmShers systemic abuses.\n\nUnder 15 U.S.C. 1681n, my client is entitled to {$1000.00} in statutory damages for the CFPBs failure to properly investigate and enforce their rights. The CFPBs inaction has allowed AmSher to continue reporting false information, causing significant financial harm to my client.\n\nKey Issues 1. False and Contradictory Claims In their response to Complaint ID XXXX, AmSher claimed : \" XXXX XXXX does not need to have a contract with AmSher. She does, however, have a binding contract with XXXX XXXX, and they have assigned the account to our office for collection. '' This statement is legally incorrect. Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), AmSher is required to provide proper validation of the debt upon request, including : A signed legal instrument or contract bearing my clients wet signature, as required under Florida law for a legally binding agreement.\nEvidence proving that my client authorized the account.\nTo date, AmSher has failed to provide any such documentation. Their claim that billing statements suffice as validation is incorrect under federal law, which explicitly prohibits unverified claims from being treated as evidence.\n\n2. Misrepresentation About Fraud Responsibility AmSher further stated : \" If XXXX XXXX XXXX feels the account may have been activated fraudulently, the consumer will need to fill out the Charter ID Theft Form. '' This assertion violates consumer protection laws by unlawfully shifting the burden of proof onto my client. Under the FCRA ( 15 U.S.C. 1681i ( a ) ), it is the duty of the data furnisherin this case, AmSherto investigate disputes and validate the accuracy of the information they report. My client is under no legal obligation to contact XXXX XXXX XXXX department, especially when AmSher has failed to provide sufficient validation of the debt.\n\n3. Fraudulent Use of My Clients Credit Report AmSher has engaged in fraudulent use of my clients credit report by reporting inaccurate and contradictory information : Creditor Name : My clients credit report lists T-Mobile as the original creditor for {$460.00}, but AmSher claims the debt is with Charter Communications for {$76.00}.\n\nAccount Status : The account is falsely reported as open on my clients credit report, despite being in collections. This misrepresentation violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates accurate reporting of consumer data.\n\nAccount Timeline : AmSher references billing from XXXX 2021, while my clients credit report lists the account as opened on XX/XX/XXXX, XXXXa physical impossibility.\n\n4. False Claim Regarding the XXXX AmSher stated : \" We have forwarded the last billing statements for the months of XXXX XXXX, to validate the remaining amount owed, to the XXXX site. '' This is demonstrably false. A search of the BBB database reveals no listing for XXXX Collections, nor any validation materials available. This misrepresentation further demonstrates AmShers lack of transparency and intent to mislead both my client and regulatory agencies.\n\nLegal Violations Federal Violations FDCPA ( 15 U.S.C. 1692g ( b ) ) : Failure to provide sufficient validation of the debt upon request.\n\nFDCPA ( 15 U.S.C. 1692e ) : False representation of the creditor, timeline, and account details.\n\nFCRA ( 15 U.S.C. 1681e ( b ) ) : Reporting false and unverifiable information to credit bureaus.\n\nFCRA ( 15 U.S.C. 1681i ( a ) ) : Failure to investigate disputes and validate reported information.\n\nFCRA ( 15 U.S.C. 1681n ) : Willful misrepresentation of information on a consumer report.\n\nFlorida State Violations Identity Theft ( 817.568, Florida Statutes ) : Fraudulent use of my clients personal information constitutes a felony under Florida law.\n\nFraudulent Practices ( 817.03, Florida Statutes ) : Falsifying account information to collect a debt is criminal fraud.\n\nXXXX XXXX XXXX XXXX XXXX. ) : Misleading claims and failure to validate the debt violate Floridas consumer protection laws.\n\nAccountability of the CFPB Under 15 U.S.C. 1681n, the CFPB is liable for statutory damages of {$1000.00} due to its failure to properly investigate and enforce my clients rights. This lack of action has allowed AmSher to continue their harmful practices, causing ongoing harm to my client.\n\nHow AmShers Practices Have Harmed My Client Denial of Credit : My client has been repeatedly denied credit, including the inability to secure a mortgage, due solely to this fraudulent account.\n\nEmotional Distress : The ongoing stress and frustration caused by disputing this matter for over a year have significantly impacted my clients well-being.\n\nDamage to Creditworthiness : The continued prese\nnce of this fraudulent account negatively impacts my clients credit score and financial reputation.\n\nDemands for Immediate Action My client demands the following actions, to be completed within XXXX hours : Permanent Deletion of the Fraudulent Account AmSher must immediately delete this account from all three credit reporting agencies ( XXXX, XXXX, and XXXX ).\nCessation of All Collection Activities AmSher must cease all collection efforts tied to this account.\nCompensation for Damages My client is entitled to {$1000.00} in statutory damages under 15 U.S.C. 1681n, due to both AmShers violations and the CFPBs failure to act effectively on prior complaints.\n\nFormal Investigation of AmSher The CFPB must investigate AmShers systemic violations, including their failure to provide validation, false reporting, and fraudulent claims regarding the BBB and contract validation.\n\nFinal Warning Before Filing With The Courts If these demands are not met within 72 hours, my client will : Pursue legal action under FDCPA, FCRA, and Florida state law.\n\nSeek daily damages for every day this fraudulent account remains on their report.\nEscalate this case to federal oversight agencies to ensure accountability for systemic violations.\n\nConclusion The CFPBs inaction, coupled with AmShers continued violations, constitutes a severe breach of my clients consumer rights. Immediate intervention is required to resolve this matter and prevent further harm.\n\nMy client expects full compliance within the stated timeframe.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/11024288", "source": "cfpb", "group_id": "cfpb/de181092ca2d3b37ca8e", "variant": "clean", "length_bucket": "long", "chars": 6691, "company": "Amsher Collection Services, Inc.", "date_received": "2024-12-04", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "de181092ca2d3b37ca8e2a12a27024e3635338e8ab36a6cd7da18006befe8e6a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I pursued getting product, XXXX mislabeled product poorly packaged without a portion of order. It was labeled as a skin XXXX XXXX which I had not attempted to purchase from this person whom I did not initially require or query that was legal in their country. It made me hAvd XXXX and XXXX for weeks, as I go not know what substance was, I refused to send back to XXXX. I showed pictures of pills, XXXX in toilet and told them how deceptive and wrong thst was- asked my enraged messages bd copied to ceo as well as mislabeled product, never promising product and never producing product - which made me so very ill I will be sick for weeks.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/3948222", "source": "cfpb", "group_id": "cfpb/5bbfe765ba02721589ec", "variant": "clean", "length_bucket": "short", "chars": 643, "company": "Paypal Holdings, Inc", "date_received": "2020-11-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "5bbfe765ba02721589ece0e8e689ddfb2c371810d8459177a2e880a33cc0fdfe", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My loan was sold to Shellpoint Mortgaging earlier in 2018 and my escrow included property taxes and home owners insurance. However, now that my annual XXXX payment for home owners is due, Shellpoint \" has no record '' of that money. They tell me I am responsible. I checked with my previous loan servicer and they were able to prove that they transferred the loan and escrow correctly ( it is included in my monthly mortgage payment ). They admit fault but are \" trying to get to the bottom of where the mistake is ''. In the meantime of them trying to figure out how they XXXX up, my insurance goes unpaid. So it doesn't get cancelled, I pay. So now, I'm double paying in order to be safe and cover myself. They still have yet to pay my insurance and I absolutely can not get through to them via customer service line ( it just rings and then hangs up ... only when I'm not being sent through a survey / sweepstakes for XXXX XXXX XXXX is that??! ). I am so angry that they \" lost '' {$1200.00} and I'm not having to double pay. This is absolutely fraudulent activity and I've been dealing with this issues since XXXX!!!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3004179", "source": "cfpb", "group_id": "cfpb/875e73a31637982cfb7e", "variant": "clean", "length_bucket": "short", "chars": 1121, "company": "Shellpoint Partners, LLC", "date_received": "2018-08-28", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "875e73a31637982cfb7e61ee267e89d4225b51153b4e9043114a1b42e799d371", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2020 XXXX XXXX initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX XXXX in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my business bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by XXXX XXXX of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 XXXX, I was advised by XXXX XXXX that the money was already withdrawn from XXXX XXXX 's Capital One Bank account early in the morning on XX/XX/2020. Thus, XXXX XXXX did not take proper precautions to confirm this exact wire transfer, and Capital One never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. Capital One reneged upon enforcing any fraud action against their customer, XXXX XXXX, and XXXX XXXX disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX ( XXXX ) XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3942084", "source": "cfpb", "group_id": "cfpb/438f5a997be366ae525e", "variant": "clean", "length_bucket": "medium", "chars": 1798, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2020-11-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "438f5a997be366ae525e12a676094bb4182283007ce2ee732e1655f350b531b4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "FINAL NOTICE Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, XXXX XXXX Dear EQUIFAX : After I pulled and received my CONSUMER credit report, I noticed that there are items that are not accurate, not lawful, in accordance to my rights and falsely misleading, 15 U.S.C 1611, 15 U.S.C 1692 ( a ), 45 CFR 164.522 right to privacy ; PRIVACY ACT OF 1974 Govern yourself accordingly,- Please remove ALL personal information on my CONSUMER Credit Report below : VIOLATION Under 15 U.S.C 1681 ( b ) 1. ALL addresses, telephone numbers, employment I have not written in consent to perform or present, please remove.\n\n- BEST, Remove ALL these inquiries on my CONSUMER Credit Report below because theyre inaccurate, non-consent, unauthorized, incomplete and unverifiable : These inquiries below was not authorized, please remove.\n\nXXXXXXXX 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 These ACCOUNT REVIEW INQUIRIES, INQUIRY ANALYSIS, THIRD PARTY SUPPLEMENTAL INFORMATION I require ALL to be removed. These are violations of my privacy, in accordance with the Privacy Act of 1974 and I did nor consent to these companies/subjects/entities reviewing my Consumer Credit Report. Please hold your agency liable and compliance with the law that governs we the people, so REMOVE ALL.\n\n- ALL these accounts on my CONSUMER Credit Report below because theyre inaccurate, non-consent, incomplete and unverifiable : Under 15 U.S.C 1681e ( b ) & 15 U.S.C 1681i ( 5 ) in violation for not reporting 100 % accurate.\n\nXXXX. Account : XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Account is still paid as agreed.\n\nXXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX, XX/XX/XXXX Balance : {$0.00} I am entitled to complete and accurate credit history ; this account shows open, but is misleading information, shows paid, so please update paid as agreed.\n\nXXXX. Account : XXXXXXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$17.00}, XXXX This account was paid in full ( never settled ), never late, not 100 % accurate and this is misleading. Without valid evidence this is invalid, and this account is negligently in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction making also failing to comply to 15 U.S.C 1681. I am entitled to complete and accurate credit history and this account is missing information. This account also is a billing error according to 15 U.S.C 1666b, which is a violation, and a creditor may not treat a payment a on a credit card account under an open-end consumer credit plan as late for any purpose, please remove it. XXXX XXXX XXXXXXXX XXXX XXXX XXXX\n\nXXXX. Account : XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$1500.00} I have no knowledge of this account, this is harassment, abuse and shows as collection account. Under 15 U.S.C 1692d & 15 U.S.C 1692j, please remove it.\n\nXXXX. Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1000.00} This account was paid in full ( never settled ), never late, falsely misleading, and inaccurate, please remove it. This account was paid in full ( never settled ), never late and shows inaccurately compared to the other credit reporting agencies. I am entitled to complete and accurate credit history and this account is missing information. This account also is a billing error according to 15 U.S.C 1666b, which is a violation and a creditor may not treat a payment a on a credit card account under an open end consumer credit plan as late for any purpose, please remove it 6. Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$1300.00} This account was paid in full ( never settled ), never late and I am entitled to complete and accurate credit history and this account is missing information. This account also is a billing error according to 15 U.S.C 1666b, which is a violation and a creditor may not treat a payment a on a credit card account under an open end consumer credit plan as late for any purpose, please remove it.\n\nXXXX. Account : XXXX XXXX XXXX ( # XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} This account was paid in full ( never settled ), never late, this account shows paid, so please update paid as agreed.\n\nXXXX. Account : XXXX ( XXXX ) Please remove. Not authorized.\n\nXXXX. Account : XXXX XXXXXXXX XXXX XXXX XXXX. ) Date Opened : XX/XX/XXXX Balance : {$0.00} This account was paid in full ( never settled ), so please remove.\n\nI the natural living man want my credit report to be accurate and by state and federal law you need to remove accounts that are inaccurate, incomplete or unverifiable. COMES NOW, this agency is in violation of U.S.C 1692g. They were to notify me of this in writing as the original creditor and only I can validate this debt.\n\nIf you verify the information, please respond with verifiable proof of an original consumer contract with bearing my signature that you have on file for the accounts above under penalty of perjury with an affidavit within seven ( 7 ) days of this receipt/notice. FAILURE to provide admissible proof, ALL accounts must be removed and updated Under the FAIR CREDIT REPORT ACT this disputed information may not appear on my consumer credit report if it can not be supported by any evidence. Failure to validate all data for this account, including all notion dates and balance, then must be deleted IMMEDIATELY in accordance with FCRA section 15 U.S.C 1681 a ( k ) ( B ) ( iv ) ( 2 ).\n\nSincerely, XXXX, XXXX Without prejudice, all alienable rights reserved.\n\nReferences : 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION CFR State Regulations prev | next 313.1 Purpose and scope.\n\n313.2 Model privacy form and examples.\n\n313.3 Definitions.\nSubpart APrivacy and Opt Out Notices ( 313.4 - 313.9 ) Subpart BLimits on Disclosures ( 313.10 - 313.12 ) Subpart CExceptions ( 313.13 - 313.15 ) Subpart DRelation to Other Laws ; Effective Date ( 313.16 - 313.17 ) Appendix A to Part 313Model Privacy Form Authority : 15 U.S. Code 6805 - Enforcement U.S. Code Notes prev | next ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).\n( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.\n\n( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.\n\n( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.\n\n( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.\n\n( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.\n\n( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.\n\n( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.\n\n( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.\n\n( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).\n\n( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.\n\n( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.\n\nCREDIT REPORT CHECKED XX/XX/XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8156047", "source": "cfpb", "group_id": "cfpb/ae8f6ead7953ec193db3", "variant": "clean", "length_bucket": "long", "chars": 11327, "company": "EQUIFAX, INC.", "date_received": "2024-01-14", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "ae8f6ead7953ec193db3fc86ed01f4e95407e42e5500027fe798a878073d239f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX.\nA repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later.\nI have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month.\nI did contact GM Financial on XX/XX/XXXX. To date I have received no response.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3452731", "source": "cfpb", "group_id": "cfpb/e9524bc9b046daf204b8", "variant": "clean", "length_bucket": "medium", "chars": 1460, "company": "General Motors Financial Company, Inc.", "date_received": "2019-11-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "e9524bc9b046daf204b877cb7084771aeb395e945da8463eb2be2ec8ab575404", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My claim was denied & case was closed with no valid reason. I was a victim of fraud and my information ( debit card ) was skimmed and copied including my PIN number.\nI initially opened the claim over the phone on XX/XX/2018 the instant I received the alert of my checking account with Chase being below the threshold alert set. I then logged onto my account and saw that my account had various fraudulent transactions of funds being withdrawn at a local Chase Branch in XXXX, CA where I reside. After totaling up the amounts I was at a loss of {$1000.00} and overdraft protection transfer from my savings account. Once the claim department opened my claim, I was advised to go in person to the nearest branch, to have some paperwork sent to them and for them to fax over to them. I was out of town at the time of the incident, nearly 300 miles away from home, where these withdrawals were made on XX/XX/2018 on XXXX XXXX XXXX Chase branch. I went to the Branch in XXXX, Ca and I have proof of my whereabouts as I have receipt of the XXXX ride I used to transport me to the Branch located on XXXX XXXX XXXX.\nI have complied with all the documents, and closely have been monitoring this claim. To my surprise it was denied and closed and was told over the phone there was nothing else I could about it at this point. I find it unfair that the FDIC is not covering my loss over fraudulent activity, and I am hoping I get my money reimbursed into my account as quickly as possible. It has been 5 business days since the incident, and nothing has been done in my favor but rather I am getting the run-around all over within the branches and over the phone.\nAs a customer, I hope something is done to resolve my problem and find a resolution. I have filed a police report, as I am not the only customer who this has happened to this past weekend. Numerous complaints/claims have been opened as there is a fraudulent skimming ring happening in my city, and I am sure that Chase is aware of this situation. If this is not resolved in a timely manner, I will then have to find an alternative route to have this matter resolved.\nI can not be waiting around for long, as I do have bills and cost of living expenses that need to be taken care of and it is unfair I am not getting a provisional credit while the investigation is being made. I do understand that these things take time to investigate, but at this point I am seeking immediate help to get this case taken care of and have the money placed back into my account.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2918121", "source": "cfpb", "group_id": "cfpb/442df306c8898b7ce2d2", "variant": "clean", "length_bucket": "medium", "chars": 2516, "company": "JPMORGAN CHASE & CO.", "date_received": "2018-05-25", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "442df306c8898b7ce2d2dc6905ef44fe32ccf6511563b00c56ae518dad858c9f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I took out a payday loan with 605 Lending ( FSST Management Services , LLC, d/b/a 605 Lending ( referred hereinafter as 605 Lending, LLC ) ) for the amount of {$500.00} after experiencing an emergency. At the time, I was asked to call to complete the loan process where they say their script on the contract, outlining that the agreement I was to be spent should be signed online to complete the process. All this time, the person who is handling my case is providing me with an overview about the interest minimally -- as in the rates are stated on the agreement that they then asked me to sign and submit while they were on the phone with me. I did not have a chance to go through the exact fine print or terms, but was able to see the percentages at the top and the amount owed. They also said that I was to make payments for the next 12 months bi weekly as per my pay schedule, and I went through and logged each upcoming pay date. They also showed via the page I was provided that the loan would be charging an AYP of what at the time I thought was 440 %. Very expensive but being desperate and pressured I signed and received the funds. Later, I was able to log into the account and reread the loan terms but noticed there was a higher interest rate than I previously saw at over 775.96 % and each payment would be {$150.00}, making the loan well over the originally borrowed {$500.00}. I paid as the terms were outlined though unhappily, especially since no one covered nor is it stated how the principal amount would be payed using my payments. As time moved forward and a few payments were made I had a few issues with early payment processing and subsequent overdrafts on my end and asked the company to switch from ACH debit via writing/ email. They agreed, but sent a LONG email with a gist of \" Remember to follow the terms YOU signed and pay this loan, etc. '' which I understood and said thank you for. In this same email I saw that they were then asking that I send my payment or call in for payment 3 DAYS PRIOR to my original due date and that if i did not I was by proxy allowing for them to sign a check in my name for the amounts owed. I declined and called them asking to make sure they knew not only was this not acceptable but unwelcome. I also said that I would not pay until my due date which is my right as the consumer but was met with the same \" Follow your agreement '' line. I again stated this was not acceptable and again tried to reach out where I was again met with opposition. Upon further reading the agreement, they have a section labeled under the ACH/ Debit section stating that as the signee I \" may not revoke the authorization to prepare and submit drafts on my behalf until such times as the loan is paid in full ''. Under thisclause is then another clause stating another payment option called a \" REMOTELY CREATED CHECK ( RCC ) AUTHORIZATION '' and is outlined as such : \" If you elect to make your payments by remotely created check ( otherwise known as a demand, draft, XXXX, preauthorized draft or paper draft ), then by electronically signing this Payment Authorization Agreement you authorize Lender to create checks bearing your name and other information as may be required under applicable law, rather than your handwritten signature, drawn on your bank account below, and to submit each check for payment to your bank or financial institution ( Remotely Created Check ) in the amount of each payment due, under the payment schedule or otherwise to Lender under this Agreement or any amount on any dates on which you and Lender later agree.\nIf a remotely Created Check is returned unpaid by your bank or financial institution, then you authorize Lender to create and submit a Remotely Created Check for any late fees or other amounts accrued pursuant to this Agreement. You agree that your typed name or other designation mandated by applicable law will constitute your authorized signature fully reflecting your intent to authenticate any such Remotely Created Check. If you believe the Lender charged your bank in a manner not contemplated by this Payment Authorization Agreement, then please contact Lender. '' After speaking with my bank the tellers both through the online service and at the physical locations ( separate occasions ) said that an ACH and an echeck are basically the same and by revoking one I revoke the other concurrently. Also, If i do not personally authorize each check it is considered fraudulent.\n\nAt this point I have tried to with no success ask that the lender kindly stop auto drafting from my account but to no success. to date, I have paid {$1200.00} with a remaining balance of {$480.00} -- all of which I am totally unsure as to how I will repay without these drafts. I have contacted the company multiple times and have even attempted to facilitate the issue through the XXXX XXXX XXXX of whom the company did not respond. I am seriously unsure how to proceed and worry this lender will use their means to further hinder my ability to pay off this loan and escape this predatory financial situation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3542692", "source": "cfpb", "group_id": "cfpb/d27d886984e316cd9615", "variant": "clean", "length_bucket": "long", "chars": 5093, "company": "Flandreau Santee Sioux Tribe", "date_received": "2020-02-24", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't stop withdrawals from your bank account", "sub_issue_raw": "", "text_sha256": "d27d886984e316cd9615881d1dfbe8d833b212d4736d6869e73a0e47411c08f6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was placed into administrative forebearance XXXX XXXX, and requested a refund for my payment made in XXXX of XXXX. This initial request was made XXXX XXXX via message as directed by automated prompt when I called. I waited the 60 days as stated, and when I did not receive my payment I called Mohela XXXX XXXX to check on the status. They had not processed it. They placed the request during the phone call, and I was told 30 days. Its now almost 60 days and I have yet to recieve the refund, initially requested XX/XX/XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/8755978", "source": "cfpb", "group_id": "cfpb/41131e444f7ccab56089", "variant": "clean", "length_bucket": "short", "chars": 526, "company": "MOHELA", "date_received": "2024-04-12", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "41131e444f7ccab5608941ef6e5dcacba681c80a6f5ea42b28b94d278be5ad45", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Paid loan off on XX/XX/2020 for {$1100.00}. On XX/XX/2020 the company deducted a payment of {$62.00}. I called the company and was informed the {$62.00} was pending before my payoff and was deducted from the amount. I apologized for my behavior and told them the representative should have informed me of that transaction.\nOn XX/XX/2020, the company deducted SIX payments of {$62.00} causing my account to go negative. Remind you, I paid in full on XX/XX/2020. I called requesting {$500.00} to be put BACK into my account and was told Sorry for the inconvenience but we can only reimburse {$310.00} and the NSF is not the companies responsibility. My account would not be negative and there would not be {$120.00} in NSF fees if this company had not taken SIX payments in a day considering I paid off the loan a month and a half ago. I have a payment history receipt and bank statement to prove the unethical act this company has done. Because of COVID19, Im currently not working and now the money I had to provide for my kids was wrongfully taken and the company will not correct their mistake. Im requesting {$370.00} in payments taken AFTER I paid in full and {$120.00} in NSF fees the company has caused my checking account to accumulate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3674742", "source": "cfpb", "group_id": "cfpb/559950921070fc05850c", "variant": "clean", "length_bucket": "medium", "chars": 1245, "company": "American First Finance, Inc.", "date_received": "2020-05-29", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "559950921070fc05850cffece330180f5520ec78713a53036d4c3acba53b140a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/19 a credit that posted to my account was taken back in the amount of {$75.00}. Instead of my account being negative {$50.00}, the bank back dated the funds and charged an overdraft fee for each occurring charge after the back date and placed a negative account balance of - {$160.00}", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "low_funds", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3479300", "source": "cfpb", "group_id": "cfpb/2e63c4178c2e0293454a", "variant": "clean", "length_bucket": "short", "chars": 293, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-12-28", "product_raw": "Checking or savings account", "issue_raw": "Problem caused by your funds being low", "sub_issue_raw": "Overdrafts and overdraft fees", "text_sha256": "2e63c4178c2e0293454aa8391d74471f92bc3eb96cd5e4765890125c184a30a6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to XXXX XXXX on the XXXX of XXXX, 2017. The next day, on the XXXX, of XXXX 2017, Firstsource Advantage , LLC. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2589868", "source": "cfpb", "group_id": "cfpb/24420e784d605bf6b212", "variant": "clean", "length_bucket": "short", "chars": 589, "company": "Firstsource Business Process Services, LLC", "date_received": "2017-07-31", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "24420e784d605bf6b2125454c6e77b668e6c3f0537defb8ef9a59ac404d11b87", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been with Navient for some time. In XX/XX/2017 my husband and I divorced, at the same time my monthly payments with Navient were up for review. They went from {$120.00} to {$900.00}!! I called and explained, my divorce as well as, having a child. They recommended I go into Forbearance instead of working with me to make a lower payments. They would not take into account other bills I pay every month, like daycare, utilities, groceries, car payment, nothing. I ended up in default. In XXXX I called again and spoke with someone, explaining my income, my son and all my bills. I told them I could pay {$250.00} a month. I was told the lowest they could go was {$410.00} and they would not budge. I was flabbergasted and so upset. Here I am calling to MAKE payments and they wouldnt accept them. She told me to go into forebearance and call again in a couple of months. I hung up and cried. I felt and feel helpless. Out of pure frustration, I just gave up and ended up in default again. So, I went back on Navient 's site trying to figure out what I could do. I ended up filling out a form that calculated whether Navient was asking more than I could pay based off my paychecks. Low and behold, they were. I submitted the forms via their process on their website and again was denied, even though this was THEIR formula and their apparent process. I am now sitting here with a 20 year old student load that started at XXXX and is now over 90k, with payments over {$900.00} a month that I will never be able to make and a company who wont work with me. What is someone like me supposed to do?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3517933", "source": "cfpb", "group_id": "cfpb/0263a2aa6b5d6f283ef5", "variant": "clean", "length_bucket": "medium", "chars": 1599, "company": "Navient Solutions, LLC.", "date_received": "2020-02-03", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Problem lowering your monthly payments", "text_sha256": "0263a2aa6b5d6f283ef533798f496ff63395ef11b367b3a6e4275df2339ec436", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8639849", "source": "cfpb", "group_id": "cfpb/626c68ebdccaa726ad7d", "variant": "clean", "length_bucket": "short", "chars": 255, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-03-27", "product_raw": "Credit card", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "626c68ebdccaa726ad7d97e7e7e4913cd80d08745f3db17610c6886dce21bb28", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My mother is almost XXXX years old and in a XXXX XXXX. She is XXXX and due to XXXX XXXX of her XXXX is in a XXXX. A former caregiver is being investigated for physical abuse and neglect as well as theft of her car, money and personal property. She also had possession of my mother 's car. We discovered approximately {$42000.00} in debt had been taken out in my mother 's name. I am her only living daughter and have durable power of attorney. I first began trying to resolve the claim that Chase Credit Department had on XX/XX/XXXX. I went in person with my mother to a Chase bank branch. The branch manager requested Chase bank statements and credit card statements from their corporate office for me to review. I received the bank statements. I never received the credit card statements. It was the opinion of the Adult Protective Services Investigator, the Chase bank manager and myself that the Chase credit card was fraudulently obtained and that the charges were not my mother 's. My mother received a credit card statement on XX/XX/XXXX showing current charges and a past balance. I contacted Chase credit card division and was told I needed to again send them a copy of the Durable Power of Attorney. ( I had previously given one to the bank ) On XX/XX/XXXX, I was contacted by ( NAME OMITTED ) at Chase who told me that this would all be considered identity theft. There would be no further action taken against my mother. My mother received statements showing write-offs. I assumed that everything had been written off. I never received a final accounting or any detail on the charges other than the list that had been written off. On XX/XX/XXXX a year later, I received a letter from ( NAME OMITTED ), a debt collection company who said they were attempting to collect the debt. I responded with the details of my previous conversations with Chase and copies of the previous correspondence regarding the write-offs. My mother received a letter from Chase dated XX/XX/XXXXsaying that I was not authorized to talk on her behalf and that she would have to communicate directly with them. This is not possible and I have a valid Durable Power of Attorney. I again sent the Power of Attorney and again requested detailed information on what comprised the debt. I received a letter dated XX/XX/XXXX that stated that NAME OMITTED at Chase needed to talk to my mother regarding the fraud claim. I left 6 messages for her and she did not call me back. On XX/XX/XXXX, I called the general Chase credit card line and at XXXX XXXX PDT I spoke to NAME OMITTE. She is in Collections. She said there was a hold on the account and so there was no way to give me the detail for the charge. She did confirm that I was shown as POA for my mother. She transferred me to NAME OMITTED in Fraud. He said that the charges had not been removed as I was told in XXXX and instead the debt was sold XX/XX/XXXX. He confirmed that I was listed as POA but he could not give me any detail and that I had to talk to the person who I had left messages for ( above ). He also said that the notes showed that the person said she had called me back multiple times and I had not returned the call. This is not true. The number I gave her was my cell phone number and there are no records of messages left for me from her or from Chase. He said she probably called a wrong number. He said a letter had been sent to my mother saying the investigation was now closed. They would get a judgment against my mother and then a lien and take her money. He said they would likely use the wrong contact information to notify us of the judgment and lien so we would n't know about it until the money was taken out of her accounts. Additionally, Chase has now opened another new credit card in my mother 's name. She not authorized this card. I have not authorized this card. My mother does not have this or any other credit card in her possession. She is very frail and in a XXXX XXXX. Chase has not and will not provide any more information as to the address used for the new card, what charges have been made or the wrong phone number they have on file that they are using for my mother.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2580785", "source": "cfpb", "group_id": "cfpb/aaf957b014f969de8d73", "variant": "clean", "length_bucket": "long", "chars": 4152, "company": "JPMORGAN CHASE & CO.", "date_received": "2017-07-20", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "aaf957b014f969de8d73838b2ba4922e821b6db43f97fa59778b4b4bf974ed98", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/ and XXXX XXXX response ( XXXX ) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of SPS 's and XXXX fraudulent activity and misrepresentation. First, both SPS and XXXX assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; and XXXX XXXX XXXX XXXX, XXXX NY XXXX, and lastly, XXXX XXXX XXXX XXXX NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. .25 acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and Beneficial continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), Beneficial, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has Beneficial misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "false_statements", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3179024", "source": "cfpb", "group_id": "cfpb/aee825046a3fb2794085", "variant": "clean", "length_bucket": "medium", "chars": 2541, "company": "SELECT PORTFOLIO SERVICING, INC.", "date_received": "2019-03-13", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "aee825046a3fb2794085f19a9b17f48c408e4ca251b6c890cdb8e38cfcd12b2a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2021 I submitted a full credit application for the purpose of a boat loan with Essex Credit a division of Bank of the West. Received one automated email within minutes requesting a NADA valuation of the boat which I immediately submitted. I have called this company for three consecutive days and no one answers the phone, instead once making selections from the automated menu it states there's problems with the system try again later and a disconnection. I fear this company is collecting information from consumers for some nefarious purpose as banks answer their phone.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4207931", "source": "cfpb", "group_id": "cfpb/81cb4dee276646d247a1", "variant": "clean", "length_bucket": "short", "chars": 583, "company": "BANK OF THE WEST", "date_received": "2021-03-12", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "81cb4dee276646d247a1d9564aa5888ccdd6b2533ec93d7e603ba817d36101a1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I believe I leased the XXXX from Chrysler Financial about XXXX however. they came and towed it away before the lease ended, and I may have been only late on my last payment.\nWhen I called Chrysler Financial about the lease they kept giving me the run around about where the vehicle was or if I could get it back or renew my lease. I know I shouldn't have gotten frustrated with them. but all they said was that I owed them money.\n\nI never heard from them again, no letter or anything to explain the situation. They keep Garnishing my wages after all this time, since XXXX, and the amounts get higher ans higher. Know that I know it's Chrysler. the amount is now {$5600.00} from 2004 I'll never be able to keep up paying it, I've worked all my life & now being XXXX is a shame. It's been XXXX XXXX XXXX, by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX sent a copy of the filing, under Case # XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/5482829", "source": "cfpb", "group_id": "cfpb/da1534f7bc9b4388b477", "variant": "clean", "length_bucket": "short", "chars": 890, "company": "TD BANK US HOLDING COMPANY", "date_received": "2022-04-22", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Problem while selling or giving up the vehicle", "text_sha256": "da1534f7bc9b4388b4778b156e26467b58a98114b6e2e35db816a4cb4c480742", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX Over the last several years, XXXX, Equifax, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues.\nAs Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored.\nI have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution.\nI am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated.\n\nXXXX XXXX XXXX Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action.\n\nXXXX & XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action.\n\nXXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action.\n\nUS DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action.\n\nXXXX XXXX XXXX Banks Inquiry for Individual XXXX XXXX, XXXX No Action.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/5123103", "source": "cfpb", "group_id": "cfpb/335c27a7cc70a44b0cf7", "variant": "clean", "length_bucket": "medium", "chars": 1651, "company": "EQUIFAX, INC.", "date_received": "2022-01-19", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "335c27a7cc70a44b0cf7ff5d8121c225d695899cd11312cfd454f560ccd1f0a7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am having trouble getting correct info on what i 've owed between my matriculation at XXXX vs. XXXX XXXX University. Interest rates/fees have seemingly sky rocketed what i owed and from which school", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2580077", "source": "cfpb", "group_id": "cfpb/17da2e960d777b34740c", "variant": "clean", "length_bucket": "short", "chars": 200, "company": "Navient Solutions, LLC.", "date_received": "2017-07-20", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "17da2e960d777b34740cfdb77c20ffec1cadb6f76cc1d19d9b8e2b927e658284", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Back in XXXX XXXX XXXX I contacted Affirm to pay off a {$95.00} balance. Prior to that I experienced financial hardship and had no choice but to get back to it at a later time. Unfortunately, it ended in a charge-off. As soon as things got better for me I contacted Affirm to pay the debt and did so. Years later I have applied for their XXXX service and continuously get declined - even today XXXX XXXX XXXX. So, I then contact them via email and explain this situation and each time they continue to send me generic letters. I learned that the generic letters are not truthful. The letter states that their decision is based on XXXX credit bureau information ( who I have a XXXX score with ) - so it can't be that. Then the letters goes on to say that it's bc I applied for amount above what I could approve for. I don't know how that could be bc each time that I've applied I never selected an item with an amount attached. I just clicked the \" apply for a loan '' button without an item selected. So that can't be the reason either.\n\nFinally, I call the XXXX number listed in the letter. I explain the above to the representative who tells me it's my status of having a charge-off- which is still in my records and can not be deleted. I ask for a supervisor who tells me the same thing. They CAN NOT DELETE a XXXX year old blemish on my account. I'd like to know if this is the factual truth. With technology the way it is now, they mean to tell me the system they use is unable to update/delete so that I can have a 2nd chance? Even credit bureaus delete from credit reports. How are they able to have such an antiquated system? So does this mean this will be in my file forever. That is totally unbelievable and I don't believe them at all. Who are they to hold a person hostage for this long and such a small amount with no way out, no room to allow for a 2nd chance?\n\nThanks", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6387041", "source": "cfpb", "group_id": "cfpb/bfc750d6821f9e50a64c", "variant": "clean", "length_bucket": "medium", "chars": 1884, "company": "Affirm Holdings, Inc", "date_received": "2023-01-03", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "bfc750d6821f9e50a64ccdfa204664e2f6e228fd239d141b5fe3d2adb882e830", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX and XX/XX/2019 I had two late payment in my auto loan with toyota credit PR. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. Before and after that I have always pay on time. This two late payment is affecting my credit score big time. Can you please consider removing both late payment on my auto loan? I Have always been a great customer and I will never pay late ever again. I am working on getting another toyota for my son senior graduation and removing both late payments on my loan will help me get approve. Thanks for your help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4301125", "source": "cfpb", "group_id": "cfpb/17a07bcbaec6239810b9", "variant": "clean", "length_bucket": "short", "chars": 654, "company": "Toyota Credit De Puerto Rico Corp.", "date_received": "2021-04-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "17a07bcbaec6239810b93e29d2021f640064ff4bc8af271a9b7c1a631f75beea", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We 're retired senior citizens and we own a paid in full time share at \" XXXX XXXX XXXX XXXX XXXX XXXX '' in the XXXX XXXX. A 25yrs lease with about 8 yrs used, which requires an annual maintenance fee billed in advance for the up coming year. They have assigned the collection of these fees to a service agent naming them on their Website For Accounts & Financial Services \" Conrad Acceptance Corporation ''. We have never been delinquent since we purchased the timeshare and have always paid on time until now. <P/>\nEnclosed is the XX/XX/XXXX '' s assessment notice of the first Dues Statement dated XX/XX/XXXX describing an itemized list of fees due in total of {$930.00} with a partial payment due XX/XX/XXXX of {$280.00}. <P/>No where on this document is there a notice of possible or probable additional collection action after any prescribe dates or time limits. <P/>I have also enclosed a second Dues Statement ... dated XX/XX/XXXX, with one line which notes a due date of XX/XX/XXXX, the billing amount of {$600.00}, Past/due, {$930.00}, Late Charge Due, {$0.00}, Vat Tax 7.5 % of {$45.00} and Total Due {$930.00}. Again no where on this document is there a notice of possible or probable additional collection action after any prescribe dates or time limits. Consequently, as a result of financial difficulty and a lack of any written penalty warnings we choose to delayed our payment. <P/>I was contacted by phone in XX/XX/XXXX by the Conrad Acceptance Corporation and a message left on my phone requested I call a number. I did at which time I was informed that my account had been referred to their collection department, whom I was speaking to at that moment and informed I had been assessed a collection fees of ~ 1/3 the total amount due, which they were entitled to do, this amounted to {$310.00} additional. The reason given was because I was more than 90 days over due on my maintenance fee assessment. <P/>The Service does not, I repeat, does not advance the fee for me. <P/>I insisted there was no written notice of any of these now verbalized policies. I was told, what she was now verbalizing to me was the companies long standing policy. <P/>Reluctantly I agreed to send partial pay of {$960.00} before XX/XX/XXXX.\n<P/>During this phone communication with Conrad Acceptance Corporation 's collection department I was given the option by the agent \" only because our time share was 'Paid in Full '' and they had been moved it to their collection department, we were eligible to be offered a walkway deal, to with, we would relinquish our time share rights for a forgiveness of the collection fee, while paying the original dues with late fees off and henceforth have no more obligation nor claim with this ( our ) time share and NO other compensation was offered. This alerted me to a possible fraudulent situation. <P/>I asked again \" without written notice how is that possible and why would I be obligated to that policy? I am late in fulfilling my obligation to the RESORT that is no reason to without injury to the Conrad Acceptance Corporation to be assessed an injury fee. Who is being injured here? <P/>XX/XX/XXXX I called the Resort, XXXX XXXX XXXX XXXX XXXX XXXX '' in the XXXX XXXX, and complained about the lack of written information from there agents about these policies from them to their customers and they told me after an account goes to there agents collection proceedings they have no more control and would not be able to help us, she went on to say, had we called the resort before their agent put our account into this status they could have done something. <P/><P/>I am confused how does any company get to Willie Nellie assess an unwritten, verbally announced, after the fact penalty, when the only injury to them is for them to move an account from one draw to another with a reassignment of an account number. ( They are already the collection agent. ) I thought Late fees assessments after a date were to be noted on a request for payment along with any collection actions to be taken after a certain date. In this case the last late fee noted on the XX/XX/XXXX Statement was {$0.00} with no written warning about collection proceedings. <P/>We want to meet our obligation but feel we are being put upon without legal notice and punished again for circumstances beyond our control. We find ourselves between a rock and a hard place.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/2566506", "source": "cfpb", "group_id": "cfpb/dd46cdaf369379d8e31e", "variant": "clean", "length_bucket": "long", "chars": 4385, "company": "CONRAD CREDIT CORPORATION", "date_received": "2017-07-05", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "dd46cdaf369379d8e31e7761310eeac8aa29de14e08add8c739ca273146682d2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to file a formal complaint against Experian and XXXX XXXX XXXX regarding inaccuracies on my credit report.\n\nDespite my dispute, Experian refused to remove inaccurate information related to a timeshare account with XXXX XXXX XXXX. They classified this personal installment loan as a real estate loan and falsely reported it as foreclosed. According to federal guidelines, this account should be classified as a personal installment loan, not real estate. The correct balance as of XX/XX/XXXX is {$10000.00}, and the first missed payment was in XX/XX/XXXX, not XX/XX/XXXX as reported.\n\nExperian 's refusal to correct these errors, including their failure to follow federal guidelines, has negatively impacted my creditworthiness. I request that the CFPB investigate these matters and ensure that Experian complies with federal regulations to correct my credit report.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9470824", "source": "cfpb", "group_id": "cfpb/20997d65d45edd96e872", "variant": "clean", "length_bucket": "short", "chars": 880, "company": "Experian Information Solutions Inc.", "date_received": "2024-07-10", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Public record information inaccurate", "text_sha256": "20997d65d45edd96e8729d75b880e7dbc92685470b9052ca59caeccd09575b54", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Being charged two late fees per month in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Accounts were charged off on credit report in XX/XX/XXXX but they are being reported monthly on report as on today.\nCharged late fees when payments were made XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Charged \" repayment '' fee in XX/XX/XXXX and XX/XX/XXXX.\nCharged for forbearance in XX/XX/XXXX. XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} - {$2.00} - {$2.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment {$0.00} - {$71.00} - {$30.00} - {$100.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00}XX/XX/XXXX Payment {$0.00} - {$100.00} {$0.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment - {$82.00} - {$100.00} {$0.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$45.00} {$0.00} - {$45.00} XX/XX/XXXX Payment - {$170.00} - {$9.00} - {$9.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$36.00} - {$18.00} - {$55.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment - {$140.00} - {$88.00} - {$42.00} - {$270.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$22.00} {$22.00} XX/XX/XXXXPayment {$0.00} - {$120.00} - {$23.00} - {$150.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment {$0.00} - {$80.00} - {$19.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$20.00} {$20.00} XX/XX/XXXX Payment {$0.00} - {$96.00} - {$3.00} - {$100.00} XX/XX/XXXX Payment {$0.00} - {$40.00} - {$9.00} - {$50.00} XX/XX/XXXX Repayment Fee {$390.00} {$0.00} {$0.00} {$390.00} XX/XX/XXXX Forbearance Fee {$0.00} {$0.00} {$150.00} {$150.00} XX/XX/XXXX Repayment Fee {$310.00} {$0.00} {$0.00} {$310.00}", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2579102", "source": "cfpb", "group_id": "cfpb/4872abcc6e71c6363b86", "variant": "clean", "length_bucket": "medium", "chars": 2226, "company": "Navient Solutions, LLC.", "date_received": "2017-07-19", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "4872abcc6e71c6363b86df0989c858529adbdbfaf50a515278fe6318b1222aaa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Over the last few months I have had a very difficult time in dealing with my student loan financer- Nelnet .\nI currently have a student loan balance of XXXX and am on a PAYE repayment plan with a loan recertification date of XX/XX/XXXX.\nSubmitting my loan recertification paperwork is very important to do in a timely manner. Due to the importance of timely recertification I submitted my recertification application and proof of income on XX/XX/XXXX, XXXX prior to completing my taxes. My husband and I were not yet sure if we were going to file together or separately. I submitted the required income documentation and paperwork stating that we were filing together which of course results in a higher loan payment but my priority at that time was recertifying my loan on time to avoid interest capitalization and I would deal with changing the loan payment later if our filing status changed.\nOn XX/XX/XXXX, I called Nelnet to explain that I would like to change my filing status to filing separately because that is how we ended up filing. Nelnet sent me a prefilled out form upon my request so that I could resubmit my paperwork since my husband and I had ended up deciding to file separately. NOTE : I was instructed PER ONE OF THEIR EMPLOYESS that this was the correct way to submit this documentation and the application was actually PREFILLED BY ONE OF THEIR EMPLOYEES. I am attaching the prefilled application.\nI received a letter XX/XX/XXXX stating that my loan payment would be {$1100.00}. Nothing was wrong at this time as that is the appropriate payment for if my husband and I filed together. I called Nelnet on XX/XX/XXXX to let them know I ended up filing separately and would be resubmitting the paperwork needed for filing separately.\nI submitted the required documentation on XX/XX/XXXX via fax which included the prefilled PAYE recertification paperwork stating that we had filed separately. I included a self-certified letter of my income as well as a copy of my husbands tax return which stated that we filed separately. Although not necessary I even submitted my paystubs to ensure they would have everything they could need to recalculate my payment.\n\nXX/XX/XXXX XXXX pm called Nelnet because I got an email that said action was needed. I Spoke to XXXX she said no further action needed and I would not be overdue for re certification, they have all papers needed. I I was led to believe that I had now submitted everything properly to have my loan recalculated in time for the XX/XX/XXXX payment which was when the new payment was to start.\nXX/XX/XXXX: - I called Nelnet to follow up and make sure the paperwork was in and that my loan payment had been recalculated to the correct amount ( the amount it should be based on my income and filing separately since all paperwork was in ). The woman I spoke to REPEATEDLY assured me everything was in, it looked good and my loan payment would be about {$410.00}. I told her this sounded incorrect as that was my current payment and due to an increase in my income I should be going up by about a couple hundred dollars. She again assured me everything was good and not to worry.\nSince I had been told several times everything was in order and I was very busy with work, caring for my sick mother, and XXXX XXXX obligations, I did not call daily and check my loan status daily as I dont feel that should be necessary.\nXX/XX/XXXX : I received an email stating my loan payment would be {$1100.00}. I called Nelnet and told them this was incorrect as my husband and I had ended up filing separately and I had resubmitted the paperwork as I was instructed to to recalculate based on filing separately. The man I spoke with said it looks like the problem was that on the previous application the box for recertification not recalculation had been checked ( NOTE THIS IS THE BOX THAT WAS PREFILLED OUT BY THEIR EMPLOYEE WHO SAID THAT WAS THE CORRECT ONE ). He said just correct that and it would be no big deal, recalculations are done quickly and it may even be done prior to the XX/XX/XXXX payment. He also told me that I DID NOT need to send in my husbands tax information since we filed separately.\nWhen refilling out the paperwork I felt concerned based on the wording that I DID need to send my husbands information so I called Nelnet to check. The person I spoke with said YES, it will not be used in the calculation but it needs to be sent. Somewhere in this conversation it came up that my interest on my loan may capitalize if I submit a payment RECALCULATION request. I said that sounded wrong to me it is not one of the reasons interest capitalized on the PAYE plan and that I have a right to have my payment recalculated to the proper amount without penalty.\nI was put through to someone higher who said she just didnt know for sure if my interest would capitalize or not if my payment was recalculated so basically I would just have to wait and see after submitting my request. I said that was unacceptable when I have a nearly {$300000.00} loan and those are not thing I can just wait and see about as it would greatly affect my loan and my finances and future. She put me on hold and checked with someone and came back and said I was correct and a recalculation would definitely NOT cause any interest to capitalize.\nI resent all of the paperwork that day, XX/XX/XXXX via email.\nI heard nothing so assumed everything was good and thought there was a chance my new payment would be recalculated by XX/XX/XXXX but if not, definitely by XX/XX/XXXX and I was ok with making one month of the higher payment.\nAs my XX/XX/XXXX payment date approached I had received nothing about a new payment so I called to check in on everything. I was first told that the reason it was wrong was that I was supposed to check the box in the application that said I am married but do not have access to my husbands income information. I said no, that would be lying on a federal form, I check the married box and then later check a box that says we file our taxes separately. She said oh yea, you are right. Then she said the problem was that I had submitted my husbands pre amended taxes that said we filed separately. I took ownership for that mistake and said I would resubmit everything including the correct taxes On this same phone call I asked about the recalculation and interest capitalization because I did not feel confident with the answer previously. This woman then said also your whole loan is to recertify in 2 days so ALL of your interest is going to capitalize. I was nearly in tears at this point and said my account says its due XX/XX/XXXX. She said thats not what she was seeing there and I asked to speak to higher management.\nShe put me through and that woman said it was ok my loan was ot recertify XX/XX/XXXX. She said she just couldnt say for sure however if my interest would capitalize if my loan payment was recalculated.\n\nI submitted all of the correct paperwork ( at least what I was told was correct ) at that time and told the woman I felt very disappointed in the different information I get every time I speak to someone at Nelnet.\nToday, XX/XX/XXXX, I called to check in on the resent information. At first I was told it was wrong because it was turbo tax which was not accepted but then he said actually what I sent was ok.\nHe then told me that just so I am aware, this would unlikely be recalculated by the XX/XX/XXXX payment. When I was previously told it would be done if I had information in a month early. This would mean another month of making a higher payment that I should based on my income and filing status.\nEach time I talk to these people I am told completely different information, some of it causing EXTREME distress- such as saying that my loan is to recertify in 2 days and all of my interest will capitalize when in reality it is not due for another 10 months. Also, going back and forth on telling my that by reCALCULATING my payment to the correct one my interest would capitalize. I have spoken to several upper management who apologize yet do nothing.\nI would like my loan recalculating prior to the XX/XX/XXXX payment if possible. This is not and should not be a complicated process and I have spent countless hours trying to deal with a company that truly seems like they have no idea what they are doing and has no appreciation for what it means to have student loan numbers of this magnitude and how small mistakes can contribute to great amount of money in the life on my loan.\nI have tried very hard to get the correct information to them in a timely manner but it is not possible when I am consistently told incorrect information. I have been severely mislead several times leading to making 2 months of higher payments than I should be. I feel they have no consequences for providing poor and incorrect information and I, the consumer have to pay the consequences.\n\nThese are emails I sent to myself when I realized I should start documenting my conversations with them. Im sorry they are not great, I will from here on out be keeping detailed records of all conversations.\n\nXX/XX/XXXX : spoke to man that said my loan was not recalculated yet because i sent in my husbands tax information which is not needed because we filed separately. I asked to speak to a supervisor. I got on line with __________ she said the problem is that i filled out my application wrong and said I put that I filed jointly. I pulled up my application which is checked that I filed separately from my spouse.She said no you needed to check the bx that says you are married but can not access spouse info. I said that would be lying and I checked the box that said \" married ''. She said, oh yea, actually that is ok but the problem is your tax return says you filed together. I agreed that was wrong and said I will send in the correct one.\n\nThen she said my loan re certification date is in 2 days and my interest would capitalize. I said no my recert date is XXXX and i need to talk to a supervisor. I talked to XXXX who said she can not promise my interest would not capitalize with a repayment. I would need to speak with the department of education and that the other person was wrong and my recertification is XX/XX/XXXX, as I said.\n\nXX/XX/XXXX : I talked to someone and he said the reason my payment is high is it was calculated off of my original recert which said filing together so the following paperwork I sent was ignored because it should have been filed as recalculation paperwork. I was told at this time I do not need to submit my spouse 's tax returns Spoke to XXXX Called back to confirm I Do not need to send marks tax returns because the paperwork makes it seem like I do even thought it would be used. The man I checked with said he would check on it and if I don't get paperwork in by XX/XX/XXXX my interest would capitalize. I said my re certification date was XX/XX/XXXX, and I was told by numerous people at nelnet over the last month that my paperwork was complete and in on time and re-certification was ok.\n\nI was put on hold while he followed up on this. He came back and said to send in my spouse 's income. And become I am applying for a lower payment my interested may capitalize. I asked to speak to someone about this.\n\nTransfered.\nI recorded this part of the call I have an audio recording that is too large to upload but I can find a way to so do if needed.\n\nXX/XX/XXXX : Talked to lady at XXXX who repeatedly confirmed I am up to date they have everything tHey need and it looks like my payment will be about XXXX. I told her that is my current payment and I thought It should Be going up. I confirmed again all paperwork needed is in and account was up to date and there are no issues XX/XX/XXXX : XXXX pm called nelnet because i got an email that said action was needed. Spoke to XXXX she said no further action needed and I would not be overdue for re certification, they have all papers needed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2952834", "source": "cfpb", "group_id": "cfpb/e7cf1cb685fbeeb456b7", "variant": "clean", "length_bucket": "long", "chars": 11973, "company": "Nelnet, Inc.", "date_received": "2018-07-03", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "e7cf1cb685fbeeb456b7f13534b48f15baf31711511b051740f4bc5be2f129ee", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I admit that I owe something but the loan amount itself should not be more than {$10000.00} then whatever interest it would have accrued over time.\n\nAlso, the student loan company has taken my tax refund on a couple of occasions. One time it was nearly {$8000.00} The contracts they sent me if they are legitimate amount to less than {$10000.00}, nowhere near the {$30000.00} they say I owe.\n\nKeep in mind ACT student loans must have sold the rights to consolidate and take over my student loan debt to NAVIENT.\n\nEither way, these amounts are grossly wrong.\n\nWhen I was in college my legal name was XXXX XXXX XXXX XXXX. I changed it legally on XX/XX/2013 to XXXX XXXX XXXX XXXX. This will explain the slight difference you'll see.\n\nI need to have the unfounded student loan debt wiped out and I need for NAVIENT to correct the debt on my credit report immediately.\n\nAs I stated on our call earlier today, NAVIENT is reporting this debt as {$54000.00} to all three credit bureaus ( XXXX XXXX XXXX XXXX ) making it look as though I had a {$30000.00} loan and I went over the balance by {$24000.00} this is a 185 % debt to credit ratio and has been hurting my credit for years.\n\nI'd like for ... Navient Student Loan Services to ...\n\n1. Provide copies of all student loan agreements/contracts that they say I signed for a total of {$30000.00} 2. I'd like for the true amounts to be recalculated and interest on the new balance corrected for the past 26 years 3. I'd like for my credit reports to reflect all true and factual numbers 4. I'd like for my credit report to reflect the true balance of the actual loan amounts they say I owe to all credit bureaus 5. I'd like for my credit report to reflect the interest as part of the balance and not reflect that I went over the balance by {$24000.00} as it does now.\n\nKeep in mind that i have hired an attorney to try and get them to do the right thing and they did not provide proof to us about loan amounts, nor did they correct the reporting on my credit reports.\n\nPlease read the above details for more clarity.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2845553", "source": "cfpb", "group_id": "cfpb/8ce79aa24a42474798db", "variant": "clean", "length_bucket": "medium", "chars": 2068, "company": "Navient Solutions, LLC.", "date_received": "2018-03-16", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Need information about your loan balance or loan terms", "text_sha256": "8ce79aa24a42474798dbe44c041fcee907a8e7e5515cd8bce2a29cefdbeecb6b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I recently reviewed my consumer report and noticed several inaccuracies that need to be addressed. Specifically, there are closed accounts on my credit report that require further investigation and correction. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information. However, my consumer report contains the following inaccuracies : Discover Bank ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$560.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed ( Paid, Closed ) Status Updated : XX/XX/XXXX Credit Limit : {$3600.00} Highest Balance : {$3700.00} Comments : Account closed at credit grantor 's request Contact Info : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In addition to the inaccuracies in the account details, I have also noticed that several of my consumer rights have been violated. According to the FCRA, specifically 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. Therefore, any late payments that I am not responsible for should not be reported on my consumer report.\n\nI am aware of several other consumer rights that have been violated and am prepared to pursue civil liability damages that I have suffered as a result of these violations. Please investigate and provide proof with statements showing the accuracy of these reported accounts. If proof can not be provided, I request that the inaccuracies be corrected and DELETED so the accounts wont hinder my life.\n\nThank you for your prompt attention to this dispute. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your swift resolution to this issue.\n\nSincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9508678", "source": "cfpb", "group_id": "cfpb/cfec53ab68010f292b8f", "variant": "clean", "length_bucket": "medium", "chars": 2538, "company": "DISCOVER BANK", "date_received": "2024-07-14", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "cfec53ab68010f292b8f0a235e2815266f99f9b7f726bac80d7b9656dc01e7bf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am an attorney with a law practice in XXXX. I am familiar with fraudulent offers, etc. Recently I found out through my CPA office that someone fraudulently filed an federal income tax return for 2015 to claim my refund. Fortunately the IRS picked up on this and with their help, today over the phone the fraudulent return was denied. About two weeks ago, I also received what appears to be a fraudulent offer from netSpend, XXXX, TX XXXX. They sent me, without my applying, a debit XXXX card in my name with instructions on how to activate it and to have money placed in it directly from my employer. I am hopeful I can attach a copy of the flyer to this complaint. If not, I would like to send it to you at some point. My wife and I both checked online and found numerous complaints about XXXX 's bad business practices. There was even an instance where the owner of a card that was not activated, was charged fees on his card and it was reported to a credit bureau that he had an outstanding debt to the netSpend. I tried calling their customer service number and could not speak with a live person. They only wanted my social security number or the card card account activated, both of which I refused. I want this card account terminated so that no charges or fees can ever be placed on it.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2190408", "source": "cfpb", "group_id": "cfpb/441ad04f8d1f268c494f", "variant": "clean", "length_bucket": "medium", "chars": 1296, "company": "Neon Newco Corporation", "date_received": "2016-11-02", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "441ad04f8d1f268c494fa2a81c7da5d7b5152c23b69116c29649a5f5e602a4a2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am requesting your assistance with the Public Service Loan Forgiveness program.\nIn XX/XX/XXXX, I was told I qualified for a complete forgiveness as I had paid XXXX payments of {$280.00}, ( XXXX ) and I worked for the XXXX XXXX XXXX XXXX since XXXX and then after retirement in XXXX I started work for the XXXX XXXX XXXX XXXX. After the pandemic and with the support of the Biden Administration, it had become evident that there was to be a XXXX time program of qualifying all those who had not previously qualified ( XXXX XXXX Loan holders ) and they would also use the XXXX years of payment suspension as an additional mark for forgiveness.\nWhen I called the Federal Student Aid, and explained my situation, they looked at all my records and determined that I needed to apply for the PSLF immediately, as the deadline was to be XX/XX/XXXX.\nI downloaded the forms needed, sent to both the XXXX and the XXXX, I sent a fax to XXXX as instructed and followed it with an overnight package to XXXX. I did obtain a receipt of their acceptance. I continually followed up on the application and was receiving a notification that it was in process. Every time I did that in process. Then a notice stated that there was a duplicate application, however, when I went to research it, nothing could be found. I called several times, which was impossible to get through without an hour or so hold. I finally got through to someone at Federal Student Loans, and they stated there was nothing received, but after research found that my application was not entered correctly. My last name was entered with only an XXXX, at which time she said before they could open anything further, I needed to change my name, by sending a copy of my driver 's license, which I did that evening. Still nothing changed. When I called Student Federal Aid, they then stated my loans had been transferred to XXXX, but XXXX still can not find it.\n\nI am a Parent and have had a XXXX XXXX Loan since XXXX, after my daughters graduation.\nI was told XXXX XXXX loans did not qualify for the forgiveness program and therefore,, I did not pursue it.\nIn XXXX, after my son graduated, I then consolidated my daughter and my sons loans together.\nStarted with XXXX XXXX XXXX XX/XX/XXXX Then transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then transferred to Navient Department of Education Loan Servicing XX/XX/XXXX XXXX with Aidvantage XX/XX/XXXX discussed the PSLF and how to apply, they sent me confirmation of our conversation, however, they only included where I needed to go to apply ; which I did.\nIn a notice from the Dept of Education XX/XX/XXXX ; it directed those to go to the Student Aid website, which when I log in, it does not recognize my login information and states I do not have an account.\nACCOUNT NOT FOUND. TRY CHALLENGE QUESTIONS. I tried, they say they are incorrect. I have had these questions from the start.\n\nI cant get any resolve!!!! I have sent in complaint after complaint, I have called and left my phone sitting for hours hoping someone would answer. NOTHING! I enrolled in the XXXX XXXX program to get an answer, and now Im sitting here again with no answers. What they are asking me to do I have already done.\n\nIve completed my application, I have placed my account in forbearance only to find out they will not extend it again until I confirm my income.\n\nI AM XXXX XXXX XXXX, I AM TRYING TO RETIRE, MY HUSBAND IS RETIRED. I CANT BECAUSE BESIDES MY HOUSE PAYMENT, I NEED TO MAKE THESE PAYMENTS. HELP PLEASE HELP! IM TIRED.\n\nWith every question/complaint I send, they just turn around and tell me what to do that I have already done and do not answer my complaint whatsoever. Now Student Aid says they are no longer my servicer that it is with XXXX. I go out there again and this is the message I get.\n\n________________________________________ Application Error You have encountered an error in our web application.\n\nOur technical staff will address this issue as soon as possible.\n\nPlease close your browser, return to our site and attempt to repeat the same process. Sometimes that is all that is needed to fix the problem.\n\nIf you continue to receive an error, please Contact Us and provide the reference ID below along with the date and time.\n________________________________________ Reference ID : XXXX XX/XX/XXXX XXXX Footer CALL XXXX ( Toll Free ) I can not do this anymore, I am having to go into default. I have been unfairly treated, and I have paid well over what I borrowed, and I NEED YOUR HELP!!!! Please let me know if you can help me to resolve this.\n\nI have copies of everything, if needed. I just felt at this time too many pages to attach.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8295061", "source": "cfpb", "group_id": "cfpb/d1f2996a168c2e947428", "variant": "clean", "length_bucket": "long", "chars": 4701, "company": "Maximus Federal Services, Inc.", "date_received": "2024-02-06", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Problem with forgiveness, cancellation, or discharge", "text_sha256": "d1f2996a168c2e947428f61e98b904a8ed25380a20ee9d690ef39c462b375a4f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX NJ XX/XX/2023. As of today XX/XX/2023 I have yet to receive the title for the vehicle. I had to file a complaint with both the NJ attorney General and with the NJ XXXX. Being I live in XX/XX/XXXX a vehicle is not an accessory but a necessity. Unfortunately XXXXXX/XX/XXXX I assume committed some type of scheme and I was never issued a title leaving me unable to register the vehicle. Nevertheless was updated by the attorney general that NJ XXXX has suspended XXXX Cars license to operate and investigating and needing time to recreate a title. Still leaving me without a vehicle. Based on my Contract Retail installment agreement my finance company is strictly listed between me and XXXX XXXX no other parties. But on my credit report a finance company claims to have interest in the sale in which I never agreed or signed any agreement with anybody beyond XXXX XXXX. Based on Federal Law NMSA 56-1-15 my retail agreement does NOT meet all the requirements outlined for the the 3rd party to have anything listed on my credit report which is damaging my credit credibility and score. I would like the company to remove all information that is listed on my credit report to prevent a defamation claim from being filed against them.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7400560", "source": "cfpb", "group_id": "cfpb/0a63126e5af4bd83bc3a", "variant": "clean", "length_bucket": "medium", "chars": 1280, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2023-08-14", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Unable to receive car title or other problem after the loan is paid off", "text_sha256": "0a63126e5af4bd83bc3a19ecd11bd0eaebdb15fceef1da75057568d2b63b8d2e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "ABOUT XX/XX/XXXX WELLS FARGO BANK OFFERT ME A BUSSINES REVOLVING CREDIT CARD TO MAKE PURCHASE FOR MY STORE. I ACCEPTED, AT THAT TIME I WAS USING MY PERSONAL ACCOUNT AT WF BANK, SO I BEGAN USING THE CREDIT CARD PROVIDED BY W. F. BANK IN XX/XX/XXXX. I MADE AN {$8000.00} PURCHASE AT XXXX XXXX # XXXX, AFTER THIS FIRST PURCHASE I MAKE THREE MORE PURCHASES, XX/XX/XXXX, {$6000.00}, XX/XX/XXXX {$3700.00}, XX/XX/XXXX {$2900.00} AND {$76.00} IN SMALL PURCHASES, THE CHARGES AMOUNT TO {$29000.00}. I WANT TO OBSERVE THAT I ONLY USED THE CARD TO PAY TO XXXX XXXX. I PAID THE TOTAL AMOUNT OF THE PURCHASEON THE FOLLOWING WAY.XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX, XX/XX/XXXX {$2000.00}. C. RECEIPT XXXX, XX/XX/XXXX CHECK # XXXX.FOR {$6500.00}, XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX XXXX. XX/XX/XXXX {$5000.00} CHECK XXXX, XX/XX/XXXX {$4000.00}. CASH RECEIPT XXXX XXXX, XX/XX/XXXX {$5000.00}. CHECK XXXX, AND XX/XX/XXXX {$380.00}. CHECK XXXX. SO I PAID AN AMOUNT OF {$32000.00}, INSTEAD {$29000.00} OVERPAING THE ACCOUNT ON {$3600.00} AND THE BANK DOES NOT WANT TO REFUND OVERPAID.AMOUNTOF {$3600.00} AND BY MANIPULATION OF THE NUMBERS THE BANK DENIED THE PAYMENT..", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "making_payments", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/2939036", "source": "cfpb", "group_id": "cfpb/489778f81932695d8b9b", "variant": "clean", "length_bucket": "short", "chars": 1167, "company": "WELLS FARGO & COMPANY", "date_received": "2018-06-18", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "489778f81932695d8b9bf98dd93d2850bd36e83b41b3b227c989379f892a513f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Navy Federal XX/XX/XXXX in my XXXXXXXXXXXX email that included a PDF file titled Benefits Message.pdf. That was addressed to an unknown person XXXX and unknown school related extention XXXX. The email did n't show my email address XXXXXXXXXXXX it is in nor my name : From : Navy Federal XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX PM I created my XXXXXXXXXXXX account years prior to me moving here to XXXX. My account was n't provided nor created by another. Like my other email and other accounts, I have n't ever given anyone the password to be able to sign into my accounts. I had n't ever applied for nor Co-signed for any type of Loans while I was in the United States Military ; only from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I 've not been in any other branch of the United States Military in spite of taking my 1st Computer Test at an XXXX, XXXX Recruitor Office while I was still in High School with a XXXX XXXX Recruitor. It was n't unit XXXX, when my XXXX XXXX XXXX took me the XXXX XXXX XXXX where I completed several exams and had taken my 2nd Computer Test associated with the Military ; the same day I was sworn in to the XXXX. I 'm XXXX and was born XXXX my Recruitor was XXXX only. When I had spoken to a Recruitor near the XXXX XXXX, I had spoken to a XXXX XXXX Recruitor in XXXX, but I was only sworn into XXXX XXXX XXXX, I was n't ever sworn into any State branch of the Military. I did n't know anything about XXXX Organizations such as XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or the XXXX XXXX until XXXX or XXXX for example none of which have I ever worked for. Nor have I ever applied for any Loans outside of XXXX, IN or co-signed for any types of Loans for another person ; not even my children. I 'm not and have n't ever been married. I 've never had or applied for any XXXX Loans be it associated with the XXXX XXXX XXXX XXXX or not. If I 've been in a Navy Federal Bank it was only at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I 've only used the Bank ATM in such a Hospital a few times years ago. I 've never attempted to or had an account in any bank named Navy Federal. In spite of learning for the XXXX time in XXXX there were documents in my XXXX and XXXX XXXX XXXX XXXX Records that stated I had once been a XXXX XXXX XXXX with Rank XXXX. That infact was an impostor whom used my Identity. I was n't ever hired for any positions I applied for through XXXX after I moved to XXXX in XXXX. I 'm not and have n't ever been a XXXX XXXX XXXX XXXX Employee. Nor have I ever been in person to XXXX nor taken any online course through any schools, colleges or universities in XXXX I was interested in years ago. The XXXX time I learned of there being a such thing as an XXXX XXXX Employee position I resided alone from XXXX to XXXX in the XXXX XXXX Apartments at XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, XXXX. At which time I applied online through XXXX for a XXXX XXXX position with the United States XXXX in addition to other positions for other government agencies none of which ever hired. I applied at that time online using my XXXX XXXX XXXX XXXX.\n* Certificate Of Authenticity XXXX My XXXX XXXXXXXX Desktop Computer was delivered by XXXX that had XXXX to deliver it to my residence at XXXX XXXX XXXX XXXX , IN XXXX XXXX, XXXX. That was stolen from my residence in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX . XXXX in addition to my other property on XXXX/XXXX/XXXX. Of which I have n't ever gotten back nor my stolen property here in XXXX. I have n't ever owned another XXXX XXXX Desktop Computer. The XXXX XXXX XXXX XXXX denied my Educational Assistance request here in XXXX in XXXX and XXXX. I was only in XXXX XXXX XXXX after being denied in XXXX, XXXX in XXXX ; not here in XXXX. In spite of my diverse interest, I 'm not and have n't ever been enrolled any any Educational Programs associated with any type of Veteran related Programs here in Georgia or outside of XXXX, XXXX. Nor have I attended any schools, universities or colleges I was I interested in here in XXXX or outside of XXXX since I moved to XXXX in XXXX. No Military Educational related Programs, Vocational Rehabitation Programs be it State or Federal, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX related Programs, nor Food Stamp related Programs, Schools nor Employers have ever provided or purchased electronics such as phones, cellphone, computers be it laptop or desktop for me ; nor ever given to me as a gift ; past and current & stolen Ipurchased myself.\n\nThank you, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "opening", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/2745930", "source": "cfpb", "group_id": "cfpb/3046c3c01f14db6d3896", "variant": "clean", "length_bucket": "long", "chars": 4909, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2017-12-05", "product_raw": "Checking or savings account", "issue_raw": "Opening an account", "sub_issue_raw": "Account opened as a result of fraud", "text_sha256": "3046c3c01f14db6d3896654f6dd44c02b6915839dbed7bf07278e8eb1b13965f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am currently enrolled in an income based repayment plan for my student loans. I asked to change to an Extended Fixed plan ( which is NOT income based ) on XX/XX/2023. I received a response on XX/XX/2023 stating the terms and asking if I accepted. I responded on XX/XX/2023 accepting the terms.\n\nI did not hear back so I emailed again on XX/XX/2023 confirming they received my email accepting the terms to change payment plans.\n\nOn XX/XX/2023 they replied stating they would submit my request and to allow XXXX business days for the change on my account. XXXX days passed and the change was not made.\n\nOn XX/XX/2023 I received another email stating my request had been submitted ( I had not emailed again ) and would take 30 days for processing.\n\nOn XX/XX/2023 I called in asking for an update on when my payment plan would take effect in my account. They had no record of my request and made a note to change it. They said they resubmitted my request and it would take another 30 days to see it in my account.\n\nOn XX/XX/2023 I received an email stating I needed to complete a form ( the XXXX XXXX XXXX plan request form ) and pay {$5.00} or more to exit my plan. There was no info. on where to make the payment and the form was for those XXXX an XXXX XXXX, not exiting. I replied to the email with these questions.\n\nI have not received a response and my account still shows my old plan which I can no longer afford and have told them this.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7972804", "source": "cfpb", "group_id": "cfpb/5c195afbbc3b9201b490", "variant": "clean", "length_bucket": "medium", "chars": 1447, "company": "EdFinancial Services", "date_received": "2023-12-09", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "5c195afbbc3b9201b490bf1fd8ec2e5651b5158ac64e9d3249a276fe13e06771", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi, I signed up for XXXX XXXX membership on XX/XX/ for {$490.00} using my Chase freedom unlimited credit card. I watched and followed XXXX XXXX XXXX account for a while and decided to join their discord sever, but imediately regreted as there were some false/misleading advertisement. I contacted XXXX XXXX right the way, but there were no response, so I had to dispute with Chase. I called Chase once the transaction posted in my credit card account, but the customer service rep told me they can not dispute this charge as it is classified as investing service. I figure if I'm not satified with the service, I should be entilled for a refund.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7001454", "source": "cfpb", "group_id": "cfpb/a796bc6c0e79303e1e9d", "variant": "clean", "length_bucket": "short", "chars": 647, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-05-19", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "a796bc6c0e79303e1e9dccae0134cb703c3e13c5a785ada8808a7a61d77b6d63", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!\n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!\n\nXXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!\n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!\n\nXXXX XXXX XXXX - XXXX -Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!\n\nXXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!\n\nXXXX XXXX XXXX XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!\n\nXXXX XXXX XXXX XXXX XXXXXXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9517636", "source": "cfpb", "group_id": "cfpb/29966ff5e17689b87486", "variant": "clean", "length_bucket": "long", "chars": 5066, "company": "Experian Information Solutions Inc.", "date_received": "2024-07-15", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "29966ff5e17689b87486d311c5f375ce87d5bb33cc81dc75a3a5e1306fae732a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "OK so during the summer 2022 I was going through some hardships I was only making {$500.00} a month I was trying to tell them that they said I could do deferral or whatever if I got my CO signer to sign a paper well my cosigner claims that they never sent then anything. this was multiple times that I was trying to do this and they would not do it because they kept saying that the cosigner ( cs ) needed to sign the paper and the cs never received anything on their email or anything to sign So they come to reposse the Car about XXXX right befor XXXX OK so I couldn't find my car I thought it was just a tow truck and i just parked in the wrong spot nobody claimed to have my car called finance company they didn't claim to have my car I had to put a stolen Car report out month later the officer finally gets to gets them to admit to having my car so I call up there to see what I need to do to get my things out of the car. they tell me that They have to send paperwork to this company for this company to be able to give me the number of the tow company that has my vehicle so 2-3 weeks go by they put my cs name on the paperwork whichcourse prevented me from being able to go get my things and then I had to go through that whole process all over again for them to put my name on it so I was able to get the number just to be able to set up something to go get my things. so finally the paperwork gets straight now I called the company that give me the number to the tow Company I call the tow company and the tow company tells me that they've already sent it to auction. Now mind you they have yet to send me any paperwork in the mail or anything to tell me when where or how they were going to get sell it so I can have the opportunity to put in offers for my car. They have no communication with me whatsoever it is like trying to pull nails just to get the information so I could at least try to get my things out they kept pulling me around. So the toe company tells me I need to call my finance company I call my finance company to see what was going on they tell me that the company that I had to call in order to get the number to the tow company is the ones that handles all of that and I needed to get in contact with them so I had to call back that number They tell me that they don't understand why the toe company is telling me that because they have no records of it being taken off To auction. The finance company also told me that that company was the ones that cleaned out my car and should have my things if it was taken to auction. So none of this Makes no sense to me whatsoever so nobody knows where my car is so I'm calling and calling and trying to get somebody to give me information because all I want is my things out of it because it's got my son 's birth certificate and a couple of other things to me So then the police department calls me and tells me that they found my car in a different county and this has been months after I've called and called that they would not answer my phone calls they always sent me to voicemail no matter what time it was and when I'd leave a message they would not return my phone calls so this is months later after I've given up I get a piece of paper in the mail stating that I owed them {$10000.00} for the car the car was loaned to me it was only XXXX so then I just found out from my insurance company That they have went and put a claim down on the car to repair the damages after they repossessed it and my insurance company submitted a check to them for over {$3000.00}. In finance company is still saying that I was in {$7000.00} because of what they didn't make from the auction to pay the whole amount and a bunch of toe fees and stuff like of this makes sense to me nobody gave me any information I was trying to just get my things out and they wouldn't even do that for me they have subcharged me they had not given me a chance to be able to do anything with the car I had even got a check from a claim that was different than the one that I'm talking about they did and tried to put {$3000.00} on my car and they wouldn't take it I guess because it had already been in repossession I'm not quite sure why I don't think it's right that they were able to go through my insurance company and file a claim to get payment for it to repair it After repossession and still charge me the amount that they're charging me", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/6896318", "source": "cfpb", "group_id": "cfpb/793adffb671a969f73fa", "variant": "clean", "length_bucket": "long", "chars": 4395, "company": "Exeter Finance, LLC.", "date_received": "2023-04-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Loan balance remaining after the vehicle is repossessed and sold", "text_sha256": "793adffb671a969f73faaab9145c37de2d4e7a60191c03691e0c72c943262500", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX I used my XXXX/debit card from XXXX XXXX XXXX to wire {$2500.00} to a man in XXXX. Western Union charged a {$180.00} fee in addition and my total was {$2700.00} XX/XX/XXXX I was informed by the intended recipient that his money was not available. He was told the transaction had been declined. I received no notice, nor did the intended recipient, putting him out time to go retrieve money not available to him, and me time to begin figuring out the situation. <P/>XX/XX/XXXX I contacted western union by phone to ask why declined and when they would be refunding my money. First agent could not answer either question. I got a supervisor, ID number XXXX. She could not answer either question either but told me 7-10 business days until my money was refunded. XX/XX/XXXX. I called a second time to check status and was told I had n't been refunded because my order was never completed. I was told they never took my money. They blamed XXXX XXXX XXXX, my bank. I have an email from XXXX reporting my transaction was confirmed, with a tracking number. XX/XX/XXXX I once again checked my bank account only to find the funds had been delivered to Western Union. They had posted. I called for a third time, waded through another representative to another supervisor, \" XXXX, '' ID number XXXX. XXXX, I suspect, gave me a little bit of truth, telling me one department had confirmed my transaction while a subsequent department had declined it but failed to register it as declined, thereby leaving it as an opened transaction. The first supervisor I spoke with, \" XXXX '' told me, had tried to start the cancellation process during my call but had also failed to do so. No one thus far, five days after holding my money, had even begun step one to refund my money. XXXX gave me an email address for the \" back office '' where I needed to file my complaint, which I did. He also said he had emailed them to begin the refund process. Now another two days have passed and no word. XX/XX/XXXX I looked them up on XXXX and began a post on their webpage. They wanted me private messaging, not public posting. I was told in my private messages another ten vague answers. I was told they were sorry. They were working on it. I was told they themselves were customer care and then three times I was given contact email for customer care. Nothing made sense. All evasive. At this point, a week and some hours past my payment to them with no service received, I have no answers other than those listed. \" We are working on it. '' More than one person, when I pressed for specifics, told me that once the process began, it would be 7-10 bank days but the process has not even begun. The irony is that their fee is for being a wire service yet it will take them nearly two weeks to process my refund, once they begin that process, which has yet to be determined. It 's an endless stream of vaguery and passing the buck within their system. <P/>An intensely frustrating part of this is that they make it close to impossible to contact a human and when I have been able to, I am told that human ca n't do anything but contact another human, only by email. There seem to be no actual humans available for help. I have paid for a service I did not receive. They have had a significant sum of my money and given me no concrete indication as to why they cancelled my transaction or when I 'll get my money back. I went to a XXXX XXXX XXXX yesterday after I was paid and spent {$25.00} to have them wire funds to the man who has been waiting a week to be paid. This money was from my account, so I 've doubled my out of pocket expenses until I am refunded. I need to pay my mortgage and can not without my money back. <P/>My complaint includes money out, time out, late charge pending for mortgage, total disregard for humans on the part of this big business. <P/>In my supporting documents I will include screenshots of my email confirmation from them, my email to the \" back office, '' where I was told to log my complaint internally, and the automated response back. I have received no other emails from them other than the automated response after receiving my complaint. I will also include screenshots of my XXXX correspondence with them. I could also screenshot my phone calls to them and the length of phone calls totaled. I have a document from XXXX XXXX confirming the wire transfer I made yesterday to pay the gentleman I owed. I am happy to provide whatever is needed. My frustration is that these big entities seem to be able to do whatever they want to do without having to be held accountable. And I truly need my money back. Thank you s much for your time and consideration.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2499788", "source": "cfpb", "group_id": "cfpb/d23c9a9ed48ff74d7f7a", "variant": "clean", "length_bucket": "long", "chars": 4676, "company": "WESTERN UNION COMPANY, THE", "date_received": "2017-06-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "d23c9a9ed48ff74d7f7aeadd2de118b200a1f5b9f9d32c328232f629635e9429", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a XXXX XXXX credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with XXXX and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "negative_or_legal_action", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/6581198", "source": "cfpb", "group_id": "cfpb/e4e44b2aa242a70021c7", "variant": "clean", "length_bucket": "medium", "chars": 1680, "company": "ENCORE CAPITAL GROUP INC.", "date_received": "2023-02-16", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Sued you without properly notifying you of lawsuit", "text_sha256": "e4e44b2aa242a70021c7db661e2eb857ac88883bab2d4f22dfe1724cd6b6a60c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Capital One Savor card- I have an auto pay of {$25.00} set up in the event that I forget to make a payment. I understand that I would still have to pay interest on the unpaid balance But I set this up to at least avoid the penalty charge.\n\nThe problem is that every month, I log into the app to pay the full previous statement balance days before the {$25.00} auto pay is set to trigger. There is absolutely no indication that the full remaining balance from the last statement does not include this {$25.00} auto pay. The scam is that even though I paid the full balance, Capital One charges me interest charges for two months after that payment.\n\nIve received different explanations for it, but the latest agent explained to me that the full balance does not reflect the {$25.00} that is set to be paid in the coming days. This is a predatory practice and should be stopped. I have not once been notified that the full balance does not include that {$25.00} but they continue to penalize me.\n\nI would expect that if Im paying the full balance on the XXXX, that would preempt any balance remaining or auto pay on the XXXX, but I have never been notified that this is not the case the latest agent explained to me.\n\nThis agent arrogantly explained that I had it wrong even though I have never received any notice that this is their predatory practice.\n\nWhen the app asks if I want to cancel the auto pay When Im paying the full balance days before the auto pay goes into effect, it does not explain that that {$25.00} has been subtracted from the full balance. Im simply clicking the button that says pay last statement balance. How can I possibly know that it is not actually the full balance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "fees_or_interest", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/10433031", "source": "cfpb", "group_id": "cfpb/27eb3e13baf47d080b1d", "variant": "clean", "length_bucket": "medium", "chars": 1699, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-10-12", "product_raw": "Credit card", "issue_raw": "Fees or interest", "sub_issue_raw": "Problem with fees", "text_sha256": "27eb3e13baf47d080b1d8893d95f1b3b9f0a4144e539687cd95980a50a317746", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is a very complex story.\nI have learned, via conversations with six different employees of Union Bank, that the bank is unable to terminate a given company 's ability to withdraw funds from our checking about by EFT as required by law. The CFPB 's page : https : //www.consumerfinance.gov/ask-cfpb/how-do-i-stop-automatic-payments-from-my-bank-account-en-2023/ explains that \" You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them '' as we would expect. The supporting ( linked ) suggested letters for the company and for the bank which are provided on that CFPB page ALSO make it plain that we have the right to request that any and all auto debits from a previously authorized company cease. Also, one form on the Union Bank website, here : https : //bankingsso.unionbank.com/web/customerservice.do under the \" Automatic Payments '' choice, where a form is given called \" Automatic Payment Authorization '' states \" This authorization will remain in effect until you ( meaning the bank ) receive a written notice of termination from me. '' Same story. And yet, not one of the six people I've spoken to at the bank ( actually there was one who thought I could do this but who could only suggest that I go into the branch to do this ) has told me that this is even possible, let alone provided a form to revoke an authorization or said \" Yes you can come into the branch and do this '' - quite the contrary, i.e. they've all said, no, you can't do this. I have explained numerous times now that this power of the account holder is required under federal law, yet the bank is simply incapable of honoring this obvious and gigantic security loophole closure which defends against fraudulent and incompetent debiting, both. The Union Bank web page is only accessible to account holders for you to get the form, but I can provide you with a PDF copy of their Auto. Pmt. Auth. form if your site allows me to after this point in the process of filing a complaint. This issue arose because an honest company with an incompetent bookkeeper debited our checking account for {$15000.00}, when the debit should have been XXXX or at most a few XXXX dollars, owing to two errors. I was forced to put a stop payment on the debit, which was an option for me only on account of sheer luck as this debit triggered a low balance warning text message to my phone. I would have had to rely on the good faith AND good sense of the company to refund the money had I not placed the stop payment successfully. And having placed a stop payment, I could expect that they might again debit the account for the same errant amount or a different errant amount.\n\nThe bank has said instead that I can : 1 ) Place a stop payment on any given debit, should I notice it in time, for a {$30.00} fee 2 ) Close the account after opening a new one, and transfer over all of the other auto debits and deposits by informing each of those entities of the change 3 ) Place the account into a deposits and credits only mode, so that no checks will be honored and no EFT debits will be honored 4 ) Contact the company making the debit and tell them not to do it ( which would obviously not work in the case of fraud or dispute over an owed amount, which could result from incompetent bookkeeping as in my recent experience ) None of these remedies is acceptable as a proper solution to the need to terminate a given entity 's right to withdraw funds from an account. Who will see to it that every bank in America provides us with this obviously-needed capability? Please see to it that Union Bank and every other bank provides customers with : A ) The unfettered right to terminate any and all EFT withdrawals from your account by any given previously authorized entity, regardless of changing dollar amounts or changing dates or changing frequencies -- no if 's, and 's or but 's and no uncertainty about it working, via a reasonably straightforward procedure, indeed by the procedure outlined on the CFPB 's own website as mentioned above.\nB ) The right to limit EFT withdrawals to a certain range of dollar amounts and a certain range of dates of each month and a certain number of times each month or on some similar schedule. These items may not currently exist as rights, but obviously should, as basic protections against fraud and financial errors made by third parties ( who do not own our money ). Duh.\n\nAlso please make sure that there are no loopholes which any entity can use to take funds from our accounts, aside from state and federal agencies carrying out their duties according to the law, after we have chosen to terminate their right to take money from our accounts, having previously authorized them to do so.\n\nThank you! Go CFPB!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3743618", "source": "cfpb", "group_id": "cfpb/51454535ef695814a311", "variant": "clean", "length_bucket": "long", "chars": 4786, "company": "MUFG AMERICAS HOLDINGS CORPORATION", "date_received": "2020-07-13", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Can't stop withdrawals from your account", "text_sha256": "51454535ef695814a31136a7ecf0731b56e6660ed6066f642cdefe5102ea3bbd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Commencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Cathay Bank account to the fraudulent investment firm.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6849643", "source": "cfpb", "group_id": "cfpb/d065983c283a0a2f88a0", "variant": "clean", "length_bucket": "short", "chars": 227, "company": "CATHAY BANK", "date_received": "2023-04-17", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "d065983c283a0a2f88a0bb13dccf48db16cd0a0cd4ee2312b0e0cb69831d1d46", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX and I contacted TD bank about this and they told me to take it up with XXXX and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3185461", "source": "cfpb", "group_id": "cfpb/dc2848505599b83ed15f", "variant": "clean", "length_bucket": "short", "chars": 641, "company": "TD BANK US HOLDING COMPANY", "date_received": "2019-03-20", "product_raw": "Credit card or prepaid card", "issue_raw": "Trouble using your card", "sub_issue_raw": "Credit card company won't increase or decrease your credit limit", "text_sha256": "dc2848505599b83ed15ff0c1e3fba7ee5ec18ae0f7dcc108d04bb846ad19f7b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made a mortgage payment in the amount of XXXX in XX/XX/22 which is the monthly mortgage payment which is not due until XXXX had an outstanding escrow balance and clearly told my mortgage company to credit this payment toward my outstanding escrow since they did not credit my acct for the monthly payment .my mortgage terms should not include escrow at all.but I want to pay the outstanding escrow before my next payment is due in XXXX so my payment will go back to XXXX instead of XXXX please help because they are holding the money in suspense instead of crediting my acct properly.thank you in advance for your help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/5099752", "source": "cfpb", "group_id": "cfpb/f16cdc5864d030784ccb", "variant": "clean", "length_bucket": "short", "chars": 621, "company": "CARRINGTON MORTGAGE SERVICES, LLC", "date_received": "2022-01-11", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "f16cdc5864d030784ccb6f8939bf70087bdbe5c5a8e134435361abba6c11dab9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Sir or Madam, *1. CARVANT FNCL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX and XX/XX/XXXX.\n\nI immediately disputed this information with CARVANT FNCL and the results of the investigation came back \" verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously \" verified '' them, I am very curious as to what kinds of \" records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4981999", "source": "cfpb", "group_id": "cfpb/ab5e58e621311c361712", "variant": "clean", "length_bucket": "long", "chars": 5899, "company": "CARVANT FINANCIAL LLC", "date_received": "2021-12-07", "product_raw": "Vehicle loan or lease", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "ab5e58e621311c3617127c1812bf072869528a8ba5550df1417189754ed1b960", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days.\nAlso, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1338278", "source": "cfpb", "group_id": "cfpb/7dbc530bfd5131fad744", "variant": "clean", "length_bucket": "short", "chars": 337, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2015-04-20", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "7dbc530bfd5131fad744d9179b6970aa34b7d0c38c42a3e61bb9e7dc7fe8501a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The bank worked with our builder to change terms of our mortgage and devalue our home by ~ {$90000.00} by changing line items in our budget without homeowner consent. They did this with documented manual budget overrides and ordering inspections to obligate us to pay the builder even though work was not complete, also reimbursing the builders for {$36000.00} of out-of-scope work, not agreed to by the homeowners. The bank executed loan modification agreements that were obtained through blackmail, as witnessed by the bank. We believe the bank did this in order to secure future business with the builder.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7862178", "source": "cfpb", "group_id": "cfpb/6e4f03216e7baf250d2a", "variant": "clean", "length_bucket": "short", "chars": 608, "company": "CADENCE BANK", "date_received": "2023-11-15", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "Changes in loan terms during or after closing", "text_sha256": "6e4f03216e7baf250d2adddfbc24765c69e45cf797889fbe7afaf4a4e73fe65e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.\n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.\n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.\n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.\n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\n1. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.\nXXXX XXXX Account XXXX : XXXX Please remove it from my credit report.\n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.\nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.\n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.\nXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.\n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.\nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.\n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.\nXXXX XXXX Account Number : XXXX Please remove it from my credit report.\n\nXXXX. Account involved in litigation \" an incorrect high balance '' an inaccurate date of last activity \" REAGED ACCOUNTS '' \" Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.\nCREDENCE RESOURCE XXXX Account Number : XXXX Please remove it from my credit report.\n\nXXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.\nXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.\n\nVIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9569469", "source": "cfpb", "group_id": "cfpb/98b27a9b175611475795", "variant": "clean", "length_bucket": "long", "chars": 9038, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-07-20", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "98b27a9b17561147579597e28d6ff46faef57bb18e1055575e1561f5b2eca25d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7195799", "source": "cfpb", "group_id": "cfpb/ea226de9234bcebd3774", "variant": "clean", "length_bucket": "short", "chars": 1160, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-06-29", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "ea226de9234bcebd3774cf4bc2cc8e95bea82815675756fdf0f7fb585516c6e0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX of XXXX, I moved into an apartment that I was never given the opportunity to inspect or see before I received the keys. I have never even signed a lease with the property. I have a documented knee XXXX which after seeing where the apartment was located I contacted the former property owner and filed a complaint about the issues with the stairs and if I could be moved into an apartment on the lower level. Before any of this could take place the property was sold. In XX/XX/XXXX I went to court because I had entered my rent into escrow for a lot of deficiencies that my apartment had. In XXXX and XXXX of XXXX, there was an Inspector that came to my apartment and did a very poor job of performing an inspection, he didn't even inspect the issues I was complaining about. The inspector ran through my apartment and the rental office took their time fixing the issues he did state.3617. Interference, coercion, or intimidation It shall be unlawful to coerce, intimidate, threaten, or interfere with any person in the exercise or enjoyment of, or on account of his having exercised or enjoyed, or on account of his having aided or encouraged any other person in the exercise or enjoyment of, any right granted or protected by section 3603, 3604, 3605, or 3606.\nIn XXXX through XXXX, the property had to go through a procedure that drained water from the bottom level apartments, which confirmed that there was definitely mold in the buildings. I had complained for months that my apartment had possible mold issues because I was experiencing severe breathing issues.\nMD Code 20-305 ( a ) \" Reasonable accommodation '' defined. -- In this section, \" reasonable accommodation '' means to make a place of public accommodation suitable for access, use, and patronage by an individual with a XXXX without : ( 2 ) undue hardship or expense to the person making the accommodation. 24 CFR 100.204 ( a ) It shall be unlawful for any person to refuse to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford a handicapped person equal opportunity to use and enjoy a dwelling unit, including public and common use areas. 42 U.S.C. 3604 As made applicable by section 3603 of this title and except as exempted by sections 3603 ( b ) and 3607 of this title, it shall be unlawful ( B XXXX a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling.\nIn XXXX for the last escrow hearing XXXX XXXX, the Council for XXXX XXXXXXXX XXXX XXXXXXXX XXXX and manager for the property agreed to move me into another apartment because of my doctor and my request for Reasonable Accommodation. According to the Fair Housing Act they have 10 days to acknowledge receipt of the complaint, 20 days after receipt to accept or reject and 30 days after that to respond, they acknowledged receipt of my complaint and agreed to move me all in the same day which was on XX/XX/XXXX. 30 days after that day I called the rental office for an update and they had nothing and one of the employees had no clue what I was talking about. At this point, I'm going to the emergency room frequently for my XXXX and complaining regularly to my doctor about my XXXX XXXX and issues. Finally in XXXX, I decided to start looking for somewhere else to live after being told they still couldn't do anything for me regardless of all of the open and available apartments they had available. I moved in XXXX I went to court in XXXX for unpaid rent and XXXX XXXX the Council for XXXXXXXX XXXX XXXX XXXX XXXX dismissed the case because I had moved out. In XXXX of XXXX, I received a message from the credit bureaus saying that Fair Collections and Outsourcing says I owe them money from XXXX XXXX XXXX XXXX XXXX. But now I do not have a contract with honestly either Fair Collections and Outsourcing or XXXX XXXX XXXX XXXX XXXX. And 15 U.S.C. 1692g basically says that a contract or statement does not prove that the debt belongs to me. XXXX XXXX XXXX XXXX XXXX never informed of any kind of debt before they sent it to a collection agency.\nFair Collections and Outsourcing has violated multiple U.S. Codes. 15 USC 1692b ( 5 ) ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692b ( 2 ) ; Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; 18 USC 1342 ; Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service, any scheme or device mentioned in section 1341 of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card, package, or other mail matter addressed to any such fictitious, false, or assumed title, name, or address, or name other than his own proper name, shall be fined under this title or imprisoned not more than five years, or both. Another issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4449957", "source": "cfpb", "group_id": "cfpb/1ef0bcb422f76fa4189b", "variant": "clean", "length_bucket": "long", "chars": 6650, "company": "FAIR COLLECTIONS & OUTSOURCING, INC.", "date_received": "2021-06-11", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "1ef0bcb422f76fa4189be676610d406070a8fcad97775f31970e9f9d6ab9683f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Cash app Complaint number : XXXX ( Screen record of a XXXX $ transfer attached to show exactly what XXXX app did and the notifications given and not given for verification of complaint below. ) XX/XX/XXXX I set up a transfer of XXXX from my XXXXp account to my XXXX XXXX Bank Account XXXX My XXXX XXXX bank account & routing number were imputed earlier for transfer. Notice window popped up and said it would take a few days to complete transfer for no fee. Next window popped up and said for a XXXX $ fee they could instantly complete transfer to my XXXX Bank account for XXXX $ fee. I clicked the button to pay the fee and have funds transferred instantly and next window popped up and said \" Your transfer to your Regions Account is XXXX. ''?????? Regions? I had a regions debit card on file with cashapp but I authorized transfer to XXXX XXXX Bank XXXX I called cash app twice and requested a refund of my XXXX $ for the transfer fee and let them know they did an unauthorized transfer since I did not agree to transfer to regions account. Twice I was put on hold and then told they would not refund the XXXX XXXX They said they sent it to my regions account since that was the debit card they had on file. Once again I told them I didn't authorize money being sent to that account, told them their app said XXXX $ complete transfer to XXXX Bank and they had my account and routing info on file. They informed me that they sent it to Regions account since the didn't have XXXX XXXX debit card on file and they had the Regions debit card info. The Cash app did not prompt me to add a Stride / chime debt card to complete transfer. They just did it without permission, told me oh well their was nothing they can do and would not refund my XXXX $ transfer fee and XXXX guy even just hung up on me. I would have added my Stride /chime card if prompted happily. However for a XXXX to transfer money to a account I didn't agree to \" cuz that the card we had on file. '' Is not ok. Let alone charge me for the transfer and then tell me I'm out of luck is arrogant, dismissive and it seems pretty illegal. If it's not illegal, who do I call because it's a issue. I trusted them with my funds.\n\nXXXX XXXX Complaint number : XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "unauthorized_transactions", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/9574211", "source": "cfpb", "group_id": "cfpb/58a8ed5df5db0c8d338e", "variant": "clean", "length_bucket": "medium", "chars": 2226, "company": "Block, Inc.", "date_received": "2024-07-21", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "58a8ed5df5db0c8d338e4c7c12cfb5f384f21f454ef88ce1bfe381b6ba9e1294", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2021 Paypal deducted {$1300.00} USD from my PayPal account.\n\nWith the following message : {$1300.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.\n\nBut the problem is that I don't know what exactly Acceptable Use Policy I violated and they refuse to answer specifically what I violated that gave them the right to debit that amount of money from me. Without a specific explanation I am unable to see if I truly owed them this money or if it was stolen from me. PayPal refuses to answer questions with specific answers, instead the speak in generalities like \" Acceptable Use Policy Violation ''.\n\nI want someone from PayPal to call me at XXXX and explain to me specifically what I did to authorize them to deduct {$1300.00} Paypal has ZERO real customer service and I have the documents to prove it.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4261352", "source": "cfpb", "group_id": "cfpb/1977a7bd2b45c1311c20", "variant": "clean", "length_bucket": "short", "chars": 891, "company": "Paypal Holdings, Inc", "date_received": "2021-03-31", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "1977a7bd2b45c1311c20738d5e57d54f183aa18c3b590901c43fc98fef6ad1ff", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A little over a month ago I went to XXXX XXXX to lease a vehicle and they lease me a car full of problems and issues. So I tried numerous times bringing the car into service and they advise me that nothing is wrong with the car whenever I try to get a car scan on the car. A few days later after driving from work the car notify me that the car was XXXX and begin to see XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the car. I contact the manager at the dealership and they did nothing to assist me during this matter. So I called the loan company which is Stellantis Financial Services , Inc and exampled to them my situation and they advise me that will me send the dealership a cancellation form to close the contact. Now I'm receiving an invoice to pay for a car I longer have or own. The dealership has the car and everything. Stellantis Financial Services has showed me they only care about making money, after notifying them weeks ago about my situation with XXXX XXXX. They provided me with false information about closing my leasing contact with XXXX XXXX. The previous complaint has more details about what happened at XXXX XXXX. But both XXXX XXXX and Stellantis Finanacial Services are participating in bad business.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8484537", "source": "cfpb", "group_id": "cfpb/8045cbb66ca8c51bcd9c", "variant": "clean", "length_bucket": "medium", "chars": 1227, "company": "Stellantis Financial Services US Corp.", "date_received": "2024-03-06", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Problem with additional add-on products or services purchased with the loan", "text_sha256": "8045cbb66ca8c51bcd9c791d3e1a25f00b269c8ec151a1894856af313d0558a9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7282898", "source": "cfpb", "group_id": "cfpb/52a2a618216224d61c8a", "variant": "clean", "length_bucket": "short", "chars": 511, "company": "Experian Information Solutions Inc.", "date_received": "2023-07-21", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "52a2a618216224d61c8a2ecaa936b98499c804a5bdc5e68550851928a8d26fa3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I made a transfer of money from XXXX to XXXX to XXXX XXXX in the amount of XXXX EUR and on XX/XX/XXXX, I made a transfer of money from XXXX to XXXX to XXXX XXXX in the amount of XXXX EUR, using XXXX XXXX XXXX services. But the XXXX and XXXX branches of the company announced that the sums were allready paid out on XX/XX/XXXX at XXXX in XXXX, XXXX and XX/XX/XXXX at XXXX in XXXX, XXXX. Consequently, I believe I am involved in a fraudulent activity from XXXX XXXX XXXX, as a result i have lost XXXX EUR. Due to the fact that company branches have refused to repay my loss, Ive requested a refund of money from companies official representative in XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. I draw attention to the fact that on XX/XX/XXXX I received an incomplete answer regarding the complaint filed in the form of a registered letter and on XX/XX/XXXX at XXXX I received a response from a XXXX XXXX XXXX representative electronically. I would like to point out that the information provided in the electronic reply was incorrect, so I believe that the company has lost my transfer / remittance. I believe that I have the right to recover it without delay, in full, in addition to covering all the losses incurred on my travel expenses in XXXX - XXXX - XXXX, where I went to explain the situation at XXXX branch.\nBased on all of the foregoing, I asked to reimburse the entire amount of XXXX EUR transferred ( including a commission of XXXX EUR ) for cash transactions that have not reached the stated end goal. Including the transaction performed on XX/XX/XXXX, with the transaction control number XXXX, in amount of XXXX EUR and transaction performed on XX/XX/XXXX, with the transaction control number XXXX, in amount of XXXX EUR.\nIn addition, i asked to cover travel expenses in the amount of EUR XXXX, which includes XXXX EUR coach tickets to XXXX and EUR XXXX fuel expenses back to XXXX.\nAlso i asked for compensation for forced late days on the work, during the period from XX/XX/XXXX to XX/XX/XXXX, as a result of which I was forced to take unpaid vocation in amount of XXXX EUR. The calculation is based on the full amount of monthly wage - ( XXXX / 20 ) * 5 = XXXX EUR.\nI asked for a refund of XXXX EUR for living expenses in XXXX, which I had to spend on spending 5 days in XXXX. The amount of expenses is calculated on the basis of the Regulations No. XXXX adopted by the XXXX of Ministers of XXXX on XXXX XXXX.\nTaking into account that the company did not manage to resolve the situation, on XX/XX/XXXX I have submitted an application to the State Police regarding the commencement of criminal proceedings. In accordance with Section 22 of the Criminal Procedure Law, the right to compensation for damage caused shall be established : \" a person who has been harmed by a criminal offense, taking into account its moral damages, physical suffering and property loss, guarantees the procedural possibilities for claiming and obtaining moral and material compensation. \" On the basis of the above, I requested a moral compensation of XXXX EUR.\nThe total amount due to the company amounts to XXXX EUR.\nAlso i enclosed in the appendix all copies of the necessary documents confirming the transactions performed. I asked for the XXXX XXXX XXXX to respond promptly, but no later than XX/XX/XXXX. I sent my claim to three addressees indicated by the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-mail : XXXX Since i havent recived an answer from the company, I am turning to you for help. I have all copies of the necessary documents confirming the transactions performed. I will show the originals as needed.\n\nIn the Annex : 1. Payment confirmation, XX/XX/XXXX, transfer control number XXXX, copy, 1 copy on 4 pages ; 2. Payment confirmation, XX/XX/XXXX, transfer control number XXXX, copy, 1 copy on 4 pages ; 3. Bus ticket, XX/XX/XXXX, ticket number XXXX, copy, 1 copy on 1 page ; 4. State Police Report of the XXXX XXXX XXXXXXXX, XX/XX/XXXX, report number XXXXXXXX, copy, 1 copy on 1 page ; 5. XXXX XXXX response, XX/XX/XXXX, transfer control number XXXX, copy, 1 copy on 1 page ; 6. Western Union response,XX/XX/XXXX, reference number XXXX, copy, 1 copy on 4 pages.\n7. Claim for Western Union, XX/XX/XXXX, personal code XXXX, copy, 1 copy on 21 pages.\n8. Western Union response, XX/XX/XXXX, reference number XXXX, copy, 1 copy on 2 pages.\n9. Western Union response, XX/XX/XXXX, reference number XXXX, copy, 1 copy on 1 page.\n10. Advice of delivery, XX/XX/XXXX, reference number XXXX XXXX, copy, 1 copy on 2 pages.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2886820", "source": "cfpb", "group_id": "cfpb/9e4e030361b862a08a1a", "variant": "clean", "length_bucket": "long", "chars": 4647, "company": "WESTERN UNION COMPANY, THE", "date_received": "2018-04-25", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "9e4e030361b862a08a1a89f439f8a67dd00197878a2e386f1f318c2e44d08904", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was going to file bankruptcy but missed my hearing and was eventually dismissed therefore not in effect XXXX case number bankruptcy reported XX/XX/2018 name XXXX XXXX but it still reports on my credit as if i had completed the bankruptcy", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3346106", "source": "cfpb", "group_id": "cfpb/1b1099436dd5f3e5e0de", "variant": "clean", "length_bucket": "short", "chars": 239, "company": "ALLY FINANCIAL INC.", "date_received": "2019-08-19", "product_raw": "Vehicle loan or lease", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "1b1099436dd5f3e5e0de423b3706e8bdb30492236eed82c48fec7290f7c80f28", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I applied for the XXXX repayment plan in the middle of XXXX, 2023. The XXXX XXXX calculator said based on my loans and tax return I qualify for $ XXXX $ XXXX payments for XXXX payments under this plan and was the best option for my finances. It also stated that all of my loans qualify for this repayment plan. My servicer ( Nelnet ) asked me for a copy of my tax return which I provided to them promptly. They then emailed me saying they finished processing my application about a month later ( XXXX ) and said to be on the look out for additional correspondence from them ( It is now XX/XX/2023 and I still have not received any form of communication from them ). My payment amount is still the same amount it was for the standard repayment plan ( over $ XXXX ). Additionally some loans still show standard repayment. I have tried emailing them multiple times to which an auto generated response comes back saying to call them. I call and sit on hold sometimes in excess of 2 hours just to get hung up on. I have not been able to reach anyone and their website says due to unprecedented amounts of calls, please email them for assistance. I am getting nothing but the run around and have had no choice but to submit another application for the XXXX plan to force someone to redo their calculations.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7622428", "source": "cfpb", "group_id": "cfpb/61f312c273be6f38479e", "variant": "clean", "length_bucket": "medium", "chars": 1300, "company": "Nelnet, Inc.", "date_received": "2023-10-02", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "61f312c273be6f38479e5647d917e7df5e1abe66af3eaa90cb29901a16d9f096", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got email that this account that this account was engaged in activity to deceive PayPal and its customers.\n\nPayPal said After a review, we decided to permanently limit your account as we detected that this account that this account was engaged in activity to deceive PayPal and its customers.\n\nbut I haven't done any thing and my money is stuck in PayPal.\nplease restore my account", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "mobile_wallet_account", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/4627658", "source": "cfpb", "group_id": "cfpb/6a14bbc4cc98c863d31f", "variant": "clean", "length_bucket": "short", "chars": 386, "company": "Paypal Holdings, Inc", "date_received": "2021-08-12", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "6a14bbc4cc98c863d31ffb894a385fd760b08f5efcde036a94330625e95c0acb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Back in XXXX, when I was a resident of California, I foolishly became victim of the Cash Central predatory payday loan business. Cash Central duped me into loans for which Cash Central charged outrageous fees. Cash Central lured me into this trap and collected thousands of dollars. As recently as today, Cash Central has tried to claim it did me a favor by waiving more than {$3400.00} in additional fees it could have charged. Cash Central is trying to appear as the consumer hero with this action. Cash Central did waive ~ {$3400.00} but only when I filed a complaint. There are two different ways to look at what Cash Central did as wrong. The first is to consider the loans I took as payday loans. In California, the limit on a payday loan is 15 % of {$100.00} borrowedor {$15.00} for every {$100.00} borrowed. Payments were due on my paydays. Therefore, these loans were payday loans. No if, ands, or buts about it. By definition, payments were due on paydays making these payday loans. I have filed repeated complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Trade Commission, and California Office of Business Oversight and will continue to do so. I have repeatedly attempted to resolve this directly with Cash Central and its parent company, Community Choice Financial. I have now been told three times to call XXXX to speak to a loan agent to resolve this matter. The first time I did, I clearly was connected to a call center not located within the United States. The next two times, the loan agent had no idea what I was calling about. I am being sent in circles as a way to deter me from pursuing my claims. I have done extensive research into this issue. In late XXXX, early XXXX, the state of California finalized a settlement against Community Choice Financial. Like I am now doing, California accused Community Choice Financial ( Cash Central ) of overcharging borrowers. As an article I found stated, Community Choice Financials recent government action over unscrupulous lending practices is more than a little disconcerting. I am a victim of this unscrupulous lending and am fighting for justice. Another article states A California payday lender is refunding about {$800000.00} to consumers to settle allegations that it steered borrowers into high-interest loans and engaged in other illegal practices, state officials said. Again, I am one of these borrowers steered into a high-interest loan! The article continues to state that Californias settlement against Community Choice Financial involves alleged violations regarding administration of payday loans, which are capped at {$300.00}, and the steering of borrowers into consumer loans of more than {$2500.00} to avoid rate caps. California law limits interest on loans of up to {$2400.00} at between 20 percent and 30 percent, but there is no cap for loans of {$2500.00} and larger. Steering consumers into higher-cost loans to circumvent statutory interest rate caps is abusive, said XXXX XXXX XXXX, commissioner of the Department of Business Oversight. Consumers deserve protection and access to lending markets that are fair, transparent and comply with the law, she said. Every single aspect of my situation is a direct example of what California settled against Community Choice Financial. On XXXX XX/XX/XXXX, I borrowed {$200.00}. With the payday loan limit of 15 % per {$100.00} borrowed, I should have only paid back {$230.00}. I paid back {$230.00}. On XXXX XX/XX/XXXX, I borrowed {$250.00}. With the payday loan limit of 15 % per {$100.00} borrowed, I should have only paid back {$290.00}. I repaid {$290.00}. This is when the unscrupulous steering of me into a high interest loan happened. I stupidly contacted Cash Central again and was steered into borrowing {$2500.00}. As stated above, California law limits interest on loans of up to {$2400.00} at between 20 percent and 30 percent, but there is no cap for loans of {$2500.00} and larger. Cash Central purposely steered me into this higher-cost loan to be able to circumvent statutory interest rate caps. Had Cash Central kept the loan below {$2500.00}, the rate would have been capped at 20-30 %. In the interest of Cash Centrals profits, I will use 30 % as the amount. On a loan of {$2400.00}, 30 % is {$740.00}. Had I borrowed {$2400.00}, I would have had to repay {$3200.00}. Instead of this honest form of lending, Cash Central steered me into borrowing $ XXXXin fact, I was told that was the only option. If Cash Central could lend me {$2500.00}, it could lend me {$2400.00}. This is deceptive, predatory lending. I made two payments of {$190.00} each ( total {$380.00} XXXX. At the rate of 30 %, this would reduce my owed balance from {$3200.00} to {$2800.00}. Cash Central, however, took advantage of knowing I was in a financial crisis. I would never be doing business with them if I was not. Cash Central enticed me into refinancing and getting an additional {$1200.00}. I foolishly agreed. I had now borrowed {$2500.00} plus {$1200.00} and repaid {$380.00}. At a fair rate of 30 %, my fee should have been {$1100.00} for the {$3700.00} borrowed. To be free of my debt to Cash Central, at the fair rate of 30 %, I should have only had to pay a total of {$4800.00}. Again, at this point, I had repaid {$380.00}, so my balance due should have been {$4400.00} if Cash Central acted in a fair, just non-predatory manner. I continued making payments. I continued to struggle financially due to the trap Cash Central had put me in with the high cost of the loan. By XX/XX/XXXX, I had paid a total of {$4900.00} for the {$3700.00} I had borrowed. I had paid {$94.00} more than I should have for a fair 30 % loan. I kept paying and paying. By XX/XX/XXXX, I had paid an additional {$1400.00}. By XX/XX/XXXX, I had paid a total of {$6300.00} for the {$3700.00} I borrowed. I paid {$2600.00} in fees72 %!!!!! This was {$1500.00} more than the {$1100.00} had the loan been issued at the fair and just rate of 30 %. At this point, I was financially drowning and did not know how to break the cycle. Cash Central enticed me with another refinance saying my payments would be lowered. Of course, I needed lower payments so I accepted the offer. As a result, Cash Central deposited {$100.00} in my checking account and my payments dropped to {$200.00}. To keep up with the math, I had now borrowed {$3800.00} and repaid {$6300.00}. On a fair and just 30 % loan of {$3800.00}, the fee would be {$1100.00} meaning once I repaid {$4900.00}, I would be paid in full. Remember, I had paid {$6300.00} at this point. I should have been more than paid in full but no. I kept paying. I made two payments of {$200.00} adding an additional {$410.00} to the {$6300.00} I had already paid bringing my total to {$6700.00} for {$3800.00} borrowed. I paid {$2900.00} in fees78 %!!!!!!! At this time, I filed a complaintand yes, Cash Central waived the remaining due. Can you imagine? Had I paid another {$3400.00}, my total would have been {$9700.00} for {$3800.00} borrowed!!!! {$5900.00} in fees!!! 157 %!!!!!!! The 78 % I paid is disgustingI have no words for 157 %! Community Choice Financial ( Cash Central ) is not the hero for waiving the {$3400.00}. Community Choice Financial ( Cash Central ) steered me into this high cost loan cycle. Had they been willing to lend no more than {$2400.00} with the 30 % cap, it would have been a completely different story. I stand by my assertion that I am one of Community Choice Financial ( Cash Central ) s victims. As the California settlement against Community Choice Financial ( Cash Central ) dictates, I am due a refund of the excess fees I paid. I paid {$2900.00} when 30 % of what I borrowed is {$1100.00}. I am due a refund of the excess paid in the amount of {$1800.00}. I stumbled upon this settlement when showing a friend why she should not do business with companies like Community Choice Financial ( Cash Central ). I demand resolution in the form of the refund I am owed based on the settlement California entered into against Community Choice Financial ( Cash Central ).", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "unexpected_fees", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3359613", "source": "cfpb", "group_id": "cfpb/51f3fad0eb9200ad5588", "variant": "clean", "length_bucket": "long", "chars": 8089, "company": "COMMUNITY CHOICE FINANCIAL, INC.", "date_received": "2019-08-30", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "51f3fad0eb9200ad55880190ea6a4f2e63fe76343bbfa81b0af474ff49e5bb87", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I filed a report with cfpb on XX/XX/XXXX # XXXX. I called XXXX 's again this morning in hope that they would repair my credit reports.. I was told that XXXX 's determined the accounts are mine and are going to try to collect from me again.\n\nI did find out that XXXX 's is sending the credit cards to a home I owned and sold a few years back. I am guessing here but I believe someone has reactivated an account I may have had XXXX years ago. I just don't know how this person has my old address and now has my social security number and name.\n\nI own a condo in XXXX Oregon and moved here in XXXX. We had a home in XXXX since XXXX and moved here in XXXX. I kept my Ca phone number because of family in Ca. I purchased the condo in XXXX in XXXX. I haven't lived in Ca since XXXX.\n\nSomeone is getting credit cards in my name and committing identity theft and fraud. Please contact XXXX XXXX and have them restore my credit. Thank you", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6053381", "source": "cfpb", "group_id": "cfpb/88980a851912593ca8c8", "variant": "clean", "length_bucket": "short", "chars": 933, "company": "Experian Information Solutions Inc.", "date_received": "2022-10-05", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "88980a851912593ca8c894ca14cfcb375ee28525196175e3cad524059382fdfe", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from them!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/2678020", "source": "cfpb", "group_id": "cfpb/8d71048280b33a98ce18", "variant": "clean", "length_bucket": "medium", "chars": 1529, "company": "WELLS FARGO & COMPANY", "date_received": "2017-09-19", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Problem with paying off the loan", "text_sha256": "8d71048280b33a98ce18436cfefb12148cf09793a0bd86a7922de707b7f6fcce", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2022, I received a visit from XXXX XXXX of the XXXX XXXX Inspection division. He proceeded to tell me that no one is authorized to live in the house ( I moved into the house XX/XX/2022 after closing ) at XXXX XXXX XXXX XXXX due to the failure of the builder to obtain the required certificate of occupancy. He proceeded to tell me that there are foundation issues with the house and that they were never repaired. A final inspection was to be done after the repairs were completed. XXXX XXXX was never contacted.\nI paid Van Dyke {$9100.00} to process my loan and make sure everything was clear for me to purchase the home. I also paid XXXX {$120000.00} as a down payment. I learned from the inspector that the house has foundation issues ; I would never have bought this house if I had known about this.\nI was told by the lender, XXXX XXXX, that the title company they hired made this error.\nI contend that it is the responsibility of the mortgage company to ensure that my interests are protected and that the necessary documents are submitted for closing. I wish XXXX had scrutinized themselves as much as they scrutinized me, if they had done their job, I would not be in this position today. Im XXXX XXXX XXXX and should not have been taken advantage of in this way.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "closing", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/5679287", "source": "cfpb", "group_id": "cfpb/8774cb586c0f6a9a7548", "variant": "clean", "length_bucket": "medium", "chars": 1282, "company": "VANDYK MORTGAGE CORPORATION", "date_received": "2022-06-16", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "8774cb586c0f6a9a7548b440c8384bddf13541e663237c1ca9e2c077e9271eaf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2112839", "source": "cfpb", "group_id": "cfpb/dff336dbc3a7bee5c1a4", "variant": "clean", "length_bucket": "short", "chars": 542, "company": "WELLS FARGO & COMPANY", "date_received": "2016-09-14", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "dff336dbc3a7bee5c1a4e7cc5fd8b5a4aafda73bca9abff273a2abacde8e01c1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The FCRA states that that all data found on all consumer reports must be 100 % correct. The inaccuracies and incorrections found on a consumer report can have an adverse effect on my buying power and prove how a consumers information can be mistaken by the credit agencys use of mixed or merged information with someone with same/similar name.\n\nI reviewed my consumer report and found a collection account with partial numbers XXXX @ {$290.00} with CREDIT CONTROL SERVICE. I do not know where this account came from, who this company is, nor have any record of any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt or made any type of payment to this company, I was not informed by any representative that I had a right to dispute this debt nor a specific timeframe to do so. My consumer report also shows different opening dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account number, which is illegal.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I never signed nor received any type of acknowledgement receipt from a postal service for mail from this company. I am aware of the Fair Debt Collection Practices Act ( FDCPA ). I am now aware that a company has to communicate and send me proper documentation, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility.\n\nMy credit reports also show that CREDIT CONTROL SERVICE has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. I also understand that medical collections under {$500.00}, a paid medical collection, a collection less than a year old, or having a past due balance found on a collection account should not be listed on consumer credit reports. My XXXX, XXXX, and XXXX credit reports all show different and inaccurate open dates, balances, first date of delinquency, balance due, and/or last date of activities for this same exact account.\n\nThis is erroneous and flawed reporting that is listed on my credit reports. Not only did CREDIT CONTROL SERVICE not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies.\n\nPlease remove this account from my credit reports immediately. It is not my duty to provide evidence that this alleged debt is not mine. It is the obligation of the debt collector to provide evidence that they can lawfully collect on any alleged debt, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been unsuccessful.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9581812", "source": "cfpb", "group_id": "cfpb/613dcca3c449e7139c81", "variant": "clean", "length_bucket": "long", "chars": 4812, "company": "CCS Financial Services, Inc.", "date_received": "2024-07-22", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "613dcca3c449e7139c8149aebc5b33a37690a5323a27b48ffe27cf695c13701c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a conventional loan with loandepot and want to refinance. For that, I have been trying to get payoff statement but being denied the statement. I have emailed to the customer services as well as tried to contact the phone number provided but no one respond to the numbers or not able to reach customer service. Bacause of that my refinance application is being delayed unnecessarily and causing me financial loss in the form of higher interest rate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "applying", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3983495", "source": "cfpb", "group_id": "cfpb/c5b66036e3b93f6dfeb9", "variant": "clean", "length_bucket": "short", "chars": 455, "company": "LD Holdings Group, LLC", "date_received": "2020-12-01", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "c5b66036e3b93f6dfeb98c65027a461da4eea49dc52d494838d4bc6729749fc7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.\n\nI am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.\n\nCredit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.\n\nThe following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nDEPT OF ED / XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXXXXXX XXXX XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nDEPT OF ED / XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nDEPT OF ED / XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nDEPT OF ED / XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nDEPT OF ED / XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nDEPT OF ED / XXXX # XXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXXXXXX account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. XXXX XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.\n\nXXXX XXXX XXXX XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/5467997", "source": "cfpb", "group_id": "cfpb/35cae50cd8cfc74d1c88", "variant": "clean", "length_bucket": "long", "chars": 6745, "company": "Experian Information Solutions Inc.", "date_received": "2022-04-20", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "35cae50cd8cfc74d1c88fa38bf2c492a9464c0fcd7e8e5f2c87217f2c53fc914", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had send money via MoneyGram to someone. The time of completion of request on the receipt was XXXX on X/X/15. I called the company at XXXX on same day to cancel and get a full refund. I was on hold for 2-3 minutes. The phone rep came on line and it took him another 10 minutes to process the refund.\nI picked up my funds minus the fee of {$11.00} the next day.\nI have since then called the company and per the manager, I should not be getting the fee back because the transaction completion went over 30 minutes.\nNote : With his poor comprehension skills, it was very difficult for him to even state this statement to me, but this is the best I could make out of his words he was throughing at me!\nI found it very thought to explain to the non native speaker of English on the phone that I had initiated the refund call within 30 minutes and that should be looked at and not the time it took for the phone rep ( another person who could barely speak English ) to process the refund completely.\nIt appears the manager was not even aware of the 30 minute refund policy on back of the re riot.\nFYI- Please note that before speaking with the manager I was initially speaking to another phone rep who told me that I should not be getting the fee back as I called 2 days after the event.\nThis is not true as there is no statement on the receipt that tells you to call back within one day for any dispute.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2665473", "source": "cfpb", "group_id": "cfpb/0604297ee26036fdad35", "variant": "clean", "length_bucket": "medium", "chars": 1400, "company": "MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC", "date_received": "2017-09-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "0604297ee26036fdad35e0091ac5e06bf20d27e06274d62a221237fd85b25632", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to address a critical issue related to a wire transfer intended for my Chase bank account, which was erroneously redirected elsewhere. The transfer was intended to come from XXXX XXXX, who banks with XXXXXXXX XXXX\nOn XX/XX/2023, XXXX XXXX initiated a wire transfer of {$20000.00} to my Chase bank account. Unfortunately, due to an error in the provided account number, the funds were not directed to me as the intended recipient. The error originated from the reversal of two digits in the account number used for the transfer.\nKey details of the erroneous transfer : Date of Transfer : XX/XX/ Amount Transferred : {$20000.00} Sender 's Information : XXXX XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX Incorrect Account Number : XXXX ( I am not adding the entire account number but the only mistake was in the first two numbers being flipped by the bank teller ).\nSubsequently, XXXX XXXX received a letter from XXXXXXXX XXXX on XXXX XXXX XXXX which stated that the funds were transferred. However, it's crucial to note that the letter did not address or correct the account number error but instead informed XXXX XXXX that they havent received a response from Chase Bank.\nI am perplexed by the discrepancy in the handling of wire transfers versus checks with differing names. Chase bank accepted and deposited the transfer despite a discrepancy in names, whereas conventional banking practice restricts cashing checks with differing names. This inconsistency raises concerns about the handling of such transactions and the protocols followed by banking institutions.\nMoreover, I contacted Chase bank regarding the accidental recipient of the wire transfer. They informed me that the individual who mistakenly received the {$20000.00} has already spent the entirety of the funds. Chase mentioned they are working on the matter, but their inability to guarantee the recovery of such a significant amount is deeply troubling. As a financial institution, ensuring the accuracy and security of transactions is fundamental, and the inability to ensure the recovery of substantial funds is concerning and unsettling.\nAs the intended recipient, this situation has caused considerable inconvenience and financial hardship. Despite efforts to rectify the error and clarify the correct account details, the funds have not been redirected to my Chase bank account. Over the phone Chase bank said that there is nothing they could do because it wasn't their fault and that they just \" hope '' that the person who accidently received the transfer returns it but there isn't anything that they can do. I really need help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8074220", "source": "cfpb", "group_id": "cfpb/635e4743025743fd5494", "variant": "clean", "length_bucket": "medium", "chars": 2625, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-12-29", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "635e4743025743fd549424b467624e830b0f4152ecad7310f5ba704554eddcb2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, My loan is serviced by Navient, it is federal Stafford subsidized loans which according to department of student aid and my local senator 's in congress are supposed to be paused under Biden 's student aid pauses for loans. Navient has ignored this completely and harassed me for the last few months. I know multiple people who went to same school and have identical loans with Navient as I do that are on pause and have had no issues. They are both Stafford Subsidized loans. Every person I've talked to that has a Stafford loan is paused. All my other loans are paused as well.\nSecondly I have a valid IDR that I gave them prior to the pause extension with paystubs that would put me at {$0.00} but once the pause was extended they magically lost this. They are now harassing me and threatening to report me to credit bureaus. I just lost my mother to XXXX on XX/XX/XXXX this year, I lost my job, I'm literally holding on by a thread and credit is something that's helping me keep my head above water for bills and rent. If they send that they'll essentially be forcing me out of my home and to be homeless. Navient didn't even care when I informed them of my mother 's passing and my IDR. They are predatory and would rather get paid {$200.00} even if it cost a person their living situation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/5043154", "source": "cfpb", "group_id": "cfpb/ce0a0c9064bc8da2f4fe", "variant": "clean", "length_bucket": "medium", "chars": 1303, "company": "Navient Solutions, LLC.", "date_received": "2021-12-27", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "ce0a0c9064bc8da2f4fef31a20a14bcb55ced1104130c2b70cba49be399ae1c0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "please also add this to my complaint XXXX CFPB Today I want to my my bank today located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX XXXX ) XXXX and the supervisor have help me to get my account online bank access unlocked and they did that but they never give me access to XXXX that what I requested to get access back to XXXX it say as youve requested we removed your access to XXXX but I never request it to be removed and if you have any questions we available XXXX at XXXX but I call them they cant give me access back without me going into a bank but I already did I want yall to give me access to XXXX again please.please contact me at XXXX and contact me at XXXX my online bank username is XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/9345837", "source": "cfpb", "group_id": "cfpb/fdab7d78d72ee0f64ff5", "variant": "clean", "length_bucket": "short", "chars": 744, "company": "WELLS FARGO & COMPANY", "date_received": "2024-06-24", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "fdab7d78d72ee0f64ff52ede089108ab998ee4d57bd98808cf09d1de8df3a3b7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "on XX/XX/23 I was contacted by and unidentified person claiming to be a debt collector for a debt that was not acquired by me as a consumer. I was notified the call was being recorded and I informed the collector that I have no knowledge of the fraudulently opened account. I did ask what information was used to obtain this account and the little information I did receive was false information.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/7978463", "source": "cfpb", "group_id": "cfpb/cd73cb94ca8ee1750fad", "variant": "clean", "length_bucket": "short", "chars": 396, "company": "D2 Management LLC", "date_received": "2023-12-10", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "cd73cb94ca8ee1750fad6be51d83068191a5c53c02ce1fab6b54cca918fc1db0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Portfolio Recovery Debt Collection harassment of the debtor for credit card charge-offs issued by XXXX XXXX such as XXXX XXXX XXXX. I am a divorced male XXXX senior citizen living on social security. I have a difficult time paying for XXXX and the XXXX XXXX to minimize the XXXX of XXXX. I was XXXX for complications of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A XXXX XXXX XXXX account was opened and merchandise purchased. I don't remember opening up this account. XXXX XXXX informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the drug coverage. I would have to wait until open enrollment for coverage.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "communication_tactics", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3762316", "source": "cfpb", "group_id": "cfpb/d2192e73a0b76a2900b8", "variant": "clean", "length_bucket": "medium", "chars": 1209, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2020-07-24", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "Frequent or repeated calls", "text_sha256": "d2192e73a0b76a2900b8f25582eb3135efe234e4e5a3b331b7bcd8f2b749409b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins.\ncompanies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1429239", "source": "cfpb", "group_id": "cfpb/c07440f5b28e7a9b45ad", "variant": "clean", "length_bucket": "short", "chars": 735, "company": "Onity Group Inc.", "date_received": "2015-06-19", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "c07440f5b28e7a9b45ad3923d8c066abf9e54cbf406cd8db2855eb7312aa03ab", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ally bank took over our credit card from XXXX XXXX in XXXX or XXXX. We never had any issues while with XXXX, which we had for years, and used the card in the exact same manner. As soon as Ally took over, my card started getting shut down approximately once every other month with no notification to me other than finding it denied when going to make a purchase. Each time, I had to contact the card company, waiting on extensive hold times. They informed me each time that it was shut off due to potential fraud because I was making multiple payments each month, paying off the card. Yes I make multiple payments each month, as I do not want to carry a balance and accrue interest. I have never had this issue with any other card. Each time I spoke with Ally, they guaranteed they were noting on my account to shut off that fraud prevention trigger. And each time my card has continued to be shut off. After performing some searches and reviews on the Ally bank, I found this issue is very widespread. At this point, based on the bank 's continued fraud trigger excuse, I allege that the card company is purposefully trying to dissuade consumers from paying off their card, forcing consumers to carry balances, in order to accrue interest. I do not know if this is illegal, but it certainly should be. I would have already switched cards, but I had so much set up on autopay, it would have been very difficult.\nThen sometime XXXX XXXX, my card was shut off yet again. I called and they claimed the same reason. However, this time they told me in order to get my card active again, I had to get them a letter from my bank. I spoke to the bank who firmly stated they would never give such a letter to a credit card company, nor should the card company request such a letter. I called Ally back, explained this, and they were miraculously able to get the card turned back on without a letter from my bank on XX/XX/XXXX.\nXX/XX/XXXX, the card was shut off yet again! For the same reason. I had made maybe a few purchases that had to go through due to autopay, and paid off the card, which apparently triggered it being shut off again. When I called back this time, they said it was on a 5 day hold required by their bank ( is Ally not the bank? ) due to the fraud trigger with which no employee of Ally could do anything about. This 5 day hold has never been required before. Waited 5 days and called back, still on the 5 day hold. Waited a few more days and called back, still on a 5 day hold. This 5 day hold lasted for several weeks with me calling every few days, until I finally gave up and filed a complaint through the XXXX. Ally responded to the complaint saying they were waiting on the same letter from my bank they had requested the previous time they had shut off my card, which turned out they did not need. I responded with the same response I had given previously, that their response was not satisfactory, that the bank will not provide this letter. I have not received another response from the XXXX complaint. However, when I called Ally back, they are no longer saying they are waiting on this letter, they are saying my account is under review, and there is nothing anyone can do about anything. So now my account has been under review since XX/XX/XXXX with repeated attempts to contact and many hours wasted on hold. Throughout this time, I have received NSF charges from various accounts who have tried and failed to be able to charge this card on file for autopay. I have now redirected all accounts away from this card. I have contacted Ally and advised them, i no longer desire the card to be reactivated, as you would think that is the problem. No reactivation, no problem, right? Nope. I just want to apply the many, many points I have accrued to the remaining balance, pay it off, get my statements, and close the account. Should not be difficult, right? Nope. They will not apply the points, they will let me pay off the card, but nothing else. I need my statements in order to file taxes. I do not have access to my online account, nor will they email me the statements. Why will they not even email me my statements? Those are mine which I would have if I had not enrolled in paperless statements. Those are my records; refusing my access to my records has got to be illegal. I am worried this will affect my credit, there is still no end in sight, plus I really need those statements.\nPlease help!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8310924", "source": "cfpb", "group_id": "cfpb/e8d433c158243f1034d7", "variant": "clean", "length_bucket": "long", "chars": 4429, "company": "ALLY FINANCIAL INC.", "date_received": "2024-02-08", "product_raw": "Credit card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "e8d433c158243f1034d759a3a269e0a42e6629b2d9360f54543103562ef1d060", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was solicited for new credit card from Discover with an attractive balance transfer. I had an installment loan used for a medical procedure that was about to jump from 0 % to 29 %. I called the installment loan company and asked for a 10-day payoff amount. I provided the demand letter and payoff amount, along with my account information, to Discover in XXXX. The account was auto drafted from my checking account when I set it up in XX/XX/2023.\nDiscover does not provide access to the Balance Transfer department, but close to 5 weeks passed from the date of the request until I got an update. The update I was provided was that the account was closed and paid in full.\n\nDiscover reported to the credit bureaus the day after the request that I had a balance of the amount I requested, resulting in it looking like I had a new {$5600.00} account when I did not. That balance was shown as a duplication for so long that my XXXX credit score went from XXXX to XXXX. Meanwhile, the installment loan finance company maintains that I did NOT close the account and is now reporting it as delinquent for {$4.00}. I have attempted to follow up with Discover more than 10 times with no resolution.\n\nDiscover mishandled the balance transfer by NOT completing the transfer properly as they reported the account closed.\n\nDiscover reported the new balance 5-6 weeks BEFORE I actually \" used '' the funds to transfer the balance, resulting in my unpaid debt to be reported as {$1100.00} when I actually owed {$5500.00} resulting in a XXXX point decrease to my XXXX score ( XXXX to XXXX ) Discover reported to me and the credit bureaus that the account was closed, but XXXX states that there is a {$4.00} unpaid balance, which is now {$120.00}, and reported DELINQUENT on one of the bueraus ( XXXX ).", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8522318", "source": "cfpb", "group_id": "cfpb/f4888bba4a54dc21c932", "variant": "clean", "length_bucket": "medium", "chars": 1789, "company": "DISCOVER BANK", "date_received": "2024-03-11", "product_raw": "Credit card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Problem with balance transfer", "text_sha256": "f4888bba4a54dc21c932a81c49b650e085545c5f1a8a874dda4f5a947f753959", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got a call from some agency saying they were with the government and they needed to verify my accounts before I could apply for a loan consolidation for my student loans. I gave them my info and then i was told that i wasn't approved but owed money and if i didn't pay today that i would be sent to collections and sue if i didn't immediately wire payment. I called and sent the money in fear of being sue or getting in trouble because I'm XXXX XXXXXXXX XXXX. Shortly after, i tried to log into my bank account and my password was changed and i was locked out of my account. I was unaware that someone had log into my account and applied for a loan for {$6500.00} and a cash advanced for {$2500.00}. I DID NOT APPLY FOR THIS PERSONAL LOAN OR THE XXXX XXXX. Financially I CAN NOT PAY THIS BACK due to the fact I never approve or applied for the loan or XXXX XXXX and don't have the money too. This has been a hassle and stressful situation trying to get my self out of debt and this had put me in a deeper hole and potentially ruined my credit.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3044947", "source": "cfpb", "group_id": "cfpb/f5bac29bd0d17dc61a6c", "variant": "clean", "length_bucket": "short", "chars": 1045, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2018-10-12", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "f5bac29bd0d17dc61a6c65fd5735af99e13613a0316d63708e4c2b7dac165aa8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I went into loan max XXXX XXXX XXXX XXXX MS XXXX. Once inside I spoke to a woman named XXXX who said she was the manager and been there 9 years. At the time I was dating a woman named XXXX XXXX. Who told me her title pawn was do no later than XXXX on XX/XX/2021. So we agreed that I pay on or off the car and I get the title. Which XXXX stated she can not accept payment without consent adding me to the account XXXX. Which at that time the payoff was XXXX so paid XXXX towards the loan giving me a balance of XXXX to be paid off by XX/XX/2021. However after taking payment from me Ten days later XXXX demands I give her the car back without paying me the XXXX back. I told her she needed to fulfill her obligations. She called XXXX police department and placed Grand larceny charges on me. The officers came out and decided this was now a civil matter case number XXXX. I explained all of this to XXXX who then stated she would not refund my money and I was no longer on the account.This is a very deceptive trade matter. As XXXX took money and will provide no further help. My complaint is she never should have received my funds without grounds of fulfillment. Also the receipt that she provided and said I was on account reflects only my signature in the extended loan section. Please help me get my money fully refunded or the right to payoff and title.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/4398843", "source": "cfpb", "group_id": "cfpb/f2ac7a2a02c7ae6e1263", "variant": "clean", "length_bucket": "medium", "chars": 1358, "company": "Select Management Resources, LLC", "date_received": "2021-05-22", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "f2ac7a2a02c7ae6e126351e9a63c64262315a4168b3844aa13c4378d58d618ac", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I discovered that my XXXX worth of My Best Buy reward points ( which has a value of {$410.00} ) was emptied from my account. Best Buy sent an email earlier that afternoon stating that my XXXX XXXX Unlocked account exceeded their limits of 3 copies of each title per platform, per year, per member on more than one occasion over the last 12 months. I sent an email to their executive relations department explaining that I did NOT exceed purchase limits of 3 copies of each title per platform, per year, per member. I received a call from XXXX XXXX on XX/XX/XXXX to which he confirmed that my points were removed from my account because of gross abuse of their XXXX XXXX XXXX program. He confirmed that I was very careful in that I purchased the up to 3 copies limit on most if not all of my purchases. Based on that conversation, Best Buy has confirmed that I did NOT violate the terms and conditions of their program, which again is 3 copies of each title per platform, per year, per member.\n\nBest Buy 's statement in that I exceeded their limits of 3 copies of each title per platform, per year, per member on more than one occasion over the last 12 months is false. \" The over the last 12 months '' is a condition that was never added to their published terms and conditions nor was I ever made aware of it. I have purchased more than the limit of 3 copies of each title per platform, but they were in different years ( i.e. XXXX and XXXX ). Therefore, I did NOT exceed purchase limits of 3 copies of each title per platform, per year, per member.\n\nThere was no merit in claiming that I exceeded limits of 3 copies of each title per platform, per year, per member. Therefore, Best Buy claimed that there was gross abuse of their XXXX XXXX XXXX program. What is considered gross abuse of their program? There is no mention of the terms \" gross abuse '' in their terms and conditions. What activities or behaviors qualify as gross abuse? Best Buy could not fault me for exceeding purchase limits so they decided to come up with this \" gross abuse '' claim, which is absolutely subjective and basically allows them to cancel my membership and reward points as they see fit.\n\nThe XXXX worth of My Best Buy reward points ( which has a value of {$410.00} ) were earned not only from using the XXXX XXXX XXXX membership to purchase games with their Best Buy credit card, but from using my Best Buy credit card to make purchases outside of Best Buy. The removal of my entire point balance is clearly theft. The points had a cash value even though the points can only be converted to reward certificates ( in {$5.00} denominations ) to be spent only at Best Buy. My points were removed from my account for reasons that can not be supported.\n\nOn XX/XX/XXXX, Best Buy decided to cancel their XXXX XXXX program and not allow any new membership signups, but allowed existing paid memberships to continue their benefits until expiration. My paid XXXX XXXX XXXX membership expires in XX/XX/XXXX. Isn't it convenient that shortly after Best Buy decided to end the program that they claimed that I was in violation of their program 's terms and conditions and therefore allows them to cancel it? I've been a member of their XXXX XXXX XXXX program since inception. I've not once violated their program terms.\n\nEven though I've kept track of my purchases so as to NOT exceed limits of 3 copies of each title per platform, per year, per member, why would a company of Best Buy 's size NOT have a system in place to prevent purchases over the established limits? The terms and conditions are in tiny fine print, which are NOT communicated to customers upon signup and purchase of the paid XXXX XXXX XXXX membership. There are NO warnings that remind a customer about the limits both in store and online. Both in store registers and the online system allow customers to purchase over and above the limits, which is a HUGE flaw in their efforts to ensure limits are followed by customers. I could think of a handful of ways that Best Buy could have enforced the limits from their terms and conditions systematically as opposed to placing the burden to remember on the customer and none of which were ever implemented by Best Buy.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2963682", "source": "cfpb", "group_id": "cfpb/49476824db3e4a4ec77d", "variant": "clean", "length_bucket": "long", "chars": 4227, "company": "CITIBANK, N.A.", "date_received": "2018-07-16", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Problem with rewards from credit card", "text_sha256": "49476824db3e4a4ec77dd75b2ee09c5b19b35d607356c479f2648a95a6d8ad9c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/23 I had {$0.00} transferred out of my Discover high-yield savings account. The transaction was titled \" ACH Withdrawal XXXX XXXX XXXX ''. The following day on XX/XX/23, {$9900.00} was transferred out ; transaction tiled \" XXXX XXXX XXXX XXXX XXXX XXXX ''. I authorized neither of these withdrawals ; they were not made by me and the money was not deposited into either of my XXXX XXXX accounts. I contacted Discover to report the fraudulent charge. They closed the compromised account ( Acct # XXXX ) and opened a new high-yield savings account for me. They transferred the remaining funds and the {$9900.00} into this new account ( Acct # XXXX ) ; the date of this was XX/XX/23. I returned a written statement back to Discover and was told this was taken care of and no further action was needed on my part.\nOn XX/XX/23 Discover took back {$9900.00} from the new account - the transaction was titled \" Reverse Disputed Item ''. They are claiming that they did not have enough information to prove that the initial transaction was fraudulent and closed the case ( Discover Case # XXXX ). I was told that in order to re-open the case I'd have to submit supporting documentation and file a police report. I was never notified via email or phone of ANY of these instances. They did not inform me of the initial fraudulent account withdrawal or of them withdrawing the funds they had given back to me. I'm trying to file a police report, but I was told I need full documentation of Discover 's investigation into this case. Discover is not releasing those documents to me I've attached statements from my XXXX bank accounts to prove the money was never transferred to me. I included statements from the initial Discover account and the new account showing the money being taken back", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8261133", "source": "cfpb", "group_id": "cfpb/dbc3f1c6e7b7516b90a7", "variant": "clean", "length_bucket": "medium", "chars": 1789, "company": "DISCOVER BANK", "date_received": "2024-01-31", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "dbc3f1c6e7b7516b90a764f1454447e35c5b442c17b48aed29198f85d609d98d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX I was denied a loan for reasons as stated in this email : Hello.. everyone of your banks solemnly denied me because they could not verify my income Ive attached the denial letter. Ask well as proof of my tax return regarding this application. I was never given the option to upload my tax return or a recent bank statement to prove the income. Im asking for reconsideration on this loan because I can clearly prove income..\n\nIf that was the solemn reasoning for denial then I shouldve been allowed to fix this application or upload the documents to correct the application through services that underwriters provide but UPSTART does NOT allow this option I sent multiple emails after the latest email sent today XX/XX/XXXX As follows : I am not finding an address on file to send a lawsuit for defamation of character to. I Looked online which has a XXXX XXXX however a XXXX XXXX is NOT valid for receipt of unlimited civil cases, can you please provide the CORRECT address to be served.\n\nYour companies allows potential clients to submit an application online however fails to provide an option to go back and correct any mistake through its portal to review and correct because once denied it completely locks you out of your online account, if it was filed in correctly you proceed to notify the client that they have to wait 30 days to reapply which means that you are intentionally and maliciously misleading clients and allowing false information to be documented against clients on paper forms and that is defamation of character.\nthere is nothing online for allowing incorrect forms with false and in correctly clicked icons and options to move forward with application processing and not providing additional options for customers to fix those issues or allowing options to correct simple online formation mistakes but most importantly by allowing these documents to sit with your office with false and in accurate information listed on them and stating to customers to reapply in 30 days.. That is also considered to be defamation of character by color of law.\nREFERRING Discrimination Defamation of character is an act that occurs when someone's reputation and integrity are tarnished or damaged because of malicious intent by another party. You may have heard the terms libel and slander. Slander is orally dishonoring someone else, while libel is written defamation.\n\nDiscrimination The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq.prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.\n\nThe Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination. In cases involving discrimination in home mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and ECOA. Individuals who believe that they have been the victims of any unfair credit transaction involving residential property may file a complaint with the Department of Housing and Urban Development [ HUD ] or may file their own lawsuit.\n\nOther federal agencies have general regulatory authority over certain types of lenders and they monitor creditors for their compliance with ECOA. ECOA requires these agencies to refer matters to the XXXX Department when there is reason to believe that a creditor is engaged in a pattern or practice of discrimination which violates ECOA. In XXXX, upon the recommendation of the General Accounting Office, the Department of Justice provided guidance to the federal bank regulatory agencies on pattern or practice referrals. That guidance described the factors that the Department would consider in determining which matters it would return to the agency for administrative resolution and which it would pursue for potential litigation.\n\nThank you XXXX XXXX XXXX Sent from my XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5501387", "source": "cfpb", "group_id": "cfpb/ef7dca3a79790e97576a", "variant": "clean", "length_bucket": "long", "chars": 4083, "company": "Upstart Holdings, Inc.", "date_received": "2022-04-26", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "ef7dca3a79790e97576a8f2ac8ce5687c5a7dac33b1e30c20e7a1d92fe33ed43", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to ask for help and call your attention to a deceptive practice by Bank of America which I think is not just an abuse, but downright fraud. If not intentional, it shows that Bank of America’s compliance program for handling of a stolen credit card and subsequent credit dispute is insufficient, resulting in abusive treatment of customers. I am only one person, and given my repeated attempts to resolve this, I expect that Bank of America is doing the same thing to trick other customers. Background:On XX/XX/XXXX, my wallet was stolen while I was on vacation, and the thief charged $XXXX to my Bank of America credit card for XXXX gift cards at XXXX in XXXX, CA. Minutes later, when the thief tried to buy more gift cards, Bank of America’s fraud alert program identified the problem, declined the charge and sent me a fraud alert, which is how I realized my wallet had been stolen. The police were called and a police report made. I closed all my credit cards and bank accounts and placed a freeze with the credit bureaus. Bank of America immediately re-credited the $XXXX charge by the thief. Strangely, since they were the ones who identified that the card had been stolen, Bank of America then declined the fraud dispute, re-charging the $XXXX back to my account, but after several phone calls and an in-person meeting at my Bank of America branch, they again reversed that charge. Then, when reviewing my April credit card statement, I saw that Bank of America (not a merchant) had made two charges on my credit card on XX/XX/XXXX, for $26.18 and $XXXX, labelled “Fraud Dispute.”. When I called to ask what this was, the customer service agent said they were related to merchandise returns I had made in XXXX XXXX, New York – on XX/XX/XXXX for $XXXX and on XX/XX/XXXX for $XXXX. These transactions had nothing to do with the theft! The amounts are different, obviously not the $XXXX in gift cards that the thief had charged across the country in California. And Bank of America never contacted me before making the very strange decision to just add it to my bill. It can’t possibly be legal to add charges to my bill without any documentation or contact – they are just stealing from me. Also, since the legitimate merchandise returns to XXXX had occurred months earlier and had been properly credited, I woudln’t even be looking for them. If I hadn’t carefully reviewed the statement, Bank of America would have gotten away with the fraud. Current:But actually, so far Bank of America is getting away with defrauding me because they still haven’t corrected their error! I always pay my credit card bill balance in full, so have paid the false charges because I want to keep my high credit score. Here are my attempts to resolve the situation and the unacceptable response of Bank of America.On approximately XX/XX/XXXX, when I discovered the unauthorized charges by Bank of America, I called the customer service department. The agent explained to me that they were recharging me part of the $XXXX that was charged by the thief – inaccurately believing that my merchandise returns to XXXX were somehow related to that. (Again, without any documentation or outreach to me this is deceptive and fraudulent!) However, the agent apologized and said the false charges would be reversed immediately. I paid the full bill, expecting that the credit would appear on the next statement.A couple weeks later, the charges had still not been reverse and I called back. This customer service agent again explained that they believed that both Bank of America and XXXX were refunding me for the same $XXXX theft (though how they thought $XXXX and $XXXX that XXXX identified as “merchandise return” were related to the $XXXX purchase of XXXX gift cards is something that no one can explain.) I explained, again, was put on hold for a long time, and eventually told that it would take 45 days to do an investigation. So, 45 days later, I called back again, went through the same song and dance, but this time, after a long hold, was told that the agent had spoken “with the back office” and there was nothing they could do about it! I was very angry.Finally, earlier this week I called again, hoping to get a competent agent. This time, the agent was knowledgeable, read the notes in the file, filed an official dispute of the charges (which none of the prior calls had produced) and suggested that I provide receipts from the merchandise returns. Unfortunately, since it is now XXXX and the merchandise was returned (and properly credited by XXXX) in XXXX, I no longer have receipts. So I spent an hour on the phone with a lovely customer service agent at XXXX who has found a copy of the receipt for $XXXX. We have not yet been able to find the $XXXX documentation. Please keep in mind that I have dozens of transaction at the XXXX near my home and often return part of the purchase. Since XXXX ties the merchandise returns to the original purchase, I need to figure out what day I purchased items that were then returned.) I have spent HOURS working on this. I don’t understand why I am having to prove this, when Bank of America is the one who placed an unauthorized charge on my account. They are committing fraud. Their customer complaint process is a mess – and their compliance department that should be preventing this or at least correcting the mistake when a customer contacts them and informs them of their violation, is broken. For a long time, I was angry that Bank of America is placing illegal charges on customer’s credit cards bills, but thought the bank would at least correct this mistake, but now I’m even worried about whether they will ever refund my money. Please help with this particular case and make sure that Bank of America stops doing this any of its customers.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3350436", "source": "cfpb", "group_id": "cfpb/ff45db77b1303841eb72", "variant": "clean", "length_bucket": "long", "chars": 5838, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2019-08-22", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "ff45db77b1303841eb72a6c7c34d308d89d3a5476588e1faadf588ffd955ef9f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We filed a fraud case in 2018, for two checks that were stolen from the post office. The amounts were altered from {$420.00} and {$690.00} to {$5000.00} each. The thieves presented the checks to two other banks. A total of {$10000.00} was taken from the church account and to this day we have not been made whole. The thieves have pleaded guilty and been sentenced, according to the Justice Department. We have gone to the bank, a number of times. They continue to tell us to call fraud support. This has been a never ending nightmare. The fraud department has not helped us at all. We have called and emailed. We end up talking with a different person, who tells us someone will contact us. We are at a lost for words and our money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5836195", "source": "cfpb", "group_id": "cfpb/7b0a764da81b015222d7", "variant": "clean", "length_bucket": "short", "chars": 733, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2022-08-02", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Money was taken from your account on the wrong day or for the wrong amount", "text_sha256": "7b0a764da81b015222d7baab6c61392fd8260aa1760299be445409ea4d959989", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent them proof of my income and now they are saying that I underpaid by {$2900.00} in the last year and are now trying to to say I owe all of that plus my usual monthly payment on the XXXX. I did the math and there is no way I underpaid by that much. I have called Launch Servicing 3 times, and talked to 3 different people in the past day. Nobody is willing to help. I have tried to explain my situation, how I did the math and how it didn't add up, but they could care less. They are acting like they could never make a mistake and I'm crazy for saying that it is not adding up at all. They refuse to tell me where they got that number from. The only thing I have gotten any of them to say about it is why one of the people I talked to \" feels '' about why I am getting charged that much.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7176916", "source": "cfpb", "group_id": "cfpb/97040acc36b5e7bde6cf", "variant": "clean", "length_bucket": "short", "chars": 793, "company": "Goal Structured Solutions, LLC", "date_received": "2023-06-27", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "97040acc36b5e7bde6cf783997a101b6ca17e58e4413224fe3b6c9836b4dad8a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX, I was notified by Citi that a payment was due on my Citi credit card. I hadn't made a transaction on this credit card since XX/XX/XXXX and the account was paid in full with a XXXX balance.\n\nI immediately reviewed my account and saw that there were transactions that I did not recognize. There were twelve transactions ranging in dates from XX/XX/XXXX to XX/XX/XXXX. The total amount of the transactions was {$5600.00}. The location of all twelve transactions was XXXX, Indiana. They are : XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} I contacted Citi immediately to report the unauthorized charges. Citi opened a fraud case. On XX/XX/XXXX, I contacted Citi and they asked me a series of questions. I received a letter on XX/XX/XXXX from Citi that was dated XX/XX/XXXX. This letter was a notification that \" Your dispute ( s ) has been closed ''. The letter said, \" We've completed our investigation and your dispute ( s ) is now closed. The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. The charge ( s ) totaling {$5600.00} will remain on your account, under your account activity. '' I have never been to XXXX, Indiana and was not in XXXX to make these transactions. I can prove my location through work records and travel receipts.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/6809551", "source": "cfpb", "group_id": "cfpb/0f2c69d9663d5e03a7d8", "variant": "clean", "length_bucket": "medium", "chars": 1708, "company": "CITIBANK, N.A.", "date_received": "2023-04-07", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "0f2c69d9663d5e03a7d8931288b257ef4cf2c3a54c23b042f624ba523d631268", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, The current issue is that Paypal originally processed a sale in the amount of {$1100.00} for an item sold through their sister company XXXX. The customer received the item damaged by XXXX and elected to return the same.\n\nPaypal was entrusted to hold the funds, in the amount of {$1000.00}, until they were released by XXXX.\n\nThis amount reflective of a processing fee of {$35.00} imposed by Paypal.\n\nHowever, instead of using those funds to process the refund, the amount on hold plus reversing the processing fees in the amount of {$35.00}, Paypal allowed a charge of the original amount of {$1100.00} to my credit card on file. XXXX claimed they fronted the full amount for the refund to the customer, and they secure the full amount from my credit card on file for purchase payments, without my authorization.\n\nI have requested that Paypal insure that the amount pending, {$1000.00} and the associated fees in the amount of {$35.00} be properly refunded to my bank account of record. Paypal and XXXX have a legal obligation to make me whole as to this order cancellation.\n\nPlease note that as of date of filing this complaint, Paypal has forwarded the {$1000.00} to my bank account, minus the processing fees that give genesis to this submittal.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4111426", "source": "cfpb", "group_id": "cfpb/537462dcfdce6d90b680", "variant": "clean", "length_bucket": "medium", "chars": 1261, "company": "Paypal Holdings, Inc", "date_received": "2021-02-02", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unexpected or other fees", "sub_issue_raw": "", "text_sha256": "537462dcfdce6d90b680ac5871fcd541c428add39f2017a8dded3fcd5b312b16", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2022, I was involved in a scam through XXXX marketplace. The buyer said they would purchase the item for {$350.00} ( listing price ) and send money through Zelle. The buyer then sent the money but nothing was received. I received an email from Zelle stating that I was to send {$400.00} to the buyer in order to prove validity and receive the payment. I was then asked to send {$500.00} for a certificate that would prove the transaction. This is when I knew it was a scam but I had already sent the money. The Zelle email address is a fraud account as is the XXXX XXXX buyer. I attempted to dispute the charge with XXXX and Zelle but they stated that they are unable to dispute the charge. This is beyond frustrating and a solution is needed. I will attach the emails and transaction screenshots.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6093370", "source": "cfpb", "group_id": "cfpb/014b92b74c7ec94da72a", "variant": "clean", "length_bucket": "short", "chars": 806, "company": "Early Warning Services, LLC", "date_received": "2022-10-18", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "014b92b74c7ec94da72a67d5b9e6389044593e283c1f2fe5f2f128937700caef", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "While I was waiting on the decision on whether or not I would be granted an extension on a forbearance, the bank filed a case against me. A court case was filed against me dated XX/XX/2018. I received a letter dated for XX/XX/2018 explaining that they will not grant me an extension. While applying for help through the Hardest Hit Fund, a housing counselor told me that, by the bank filing against me while I was still in loss mitigation awaiting the bank 's decision on the extension, the bank was doing what is called \" dual tracking, '' which I was told was illegal. It was then suggested that I file a complaint with your organization. I have a settlement conference by phone scheduled for XX/XX/2018. On XX/XX/2018, I filed for a continuance with the courts at the advice of the counselor.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3097796", "source": "cfpb", "group_id": "cfpb/4c84c894a714b7fe34a2", "variant": "clean", "length_bucket": "short", "chars": 795, "company": "PNC Bank N.A.", "date_received": "2018-12-12", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "4c84c894a714b7fe34a2b8b00def011e425691a85b9160100449fb9be2f26204", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to file a complaint against the mortgage company ethics, laws and procedures regarding loans after bankruptcy.\n\nIn XXXX of XXXX, I had to file a chapter XXXX. My first and second mortgage were serviced by XXXX XXXX XXXX. I agreed to retain and pay on both mortgages.\nIn XXXX, I opted for a Home Retention Loan Modification through XXXX XXXX XXXX. I requested and put on the application that both mortgages be combined and put on this modification. I was told they would do that.\nIt was 9 months of XXXX to go through this process, as XXXX XXXX XXXX lost paperwork I sent to them numerous times, I had to talk to numerous people and go through the issues with them every time as it never was in the 'notes ' of what I called about previously.. Every time they requested paperwork- I immediately put it together and faxed it- only to have them say they lost or never received it even though I sent it to the number they told me to with a cover sheet of all my loan information. I called them every two to three days, waited on hold for long periods of time, every time to confirm the papers I had faxed in were received and the progress of the modification. Finally in XXXX of XXXX, the modification was approved and signed. I have faithfully paid my mortgage every month since then, had I known I had a second elsewhere with a different company, I would have paid that too. XXXX XXXX XXXX said they were combined. Why should I think otherwise .... Twice my mortgage has changed companies and BOTH times I was notified by the company who held the mortgage and the company to purchased the mortgage that I was to send payments to them- I was sent MONTHLY payment statements and payment coupons.\n\nIn XXXX of XXXX, 4 years after my bankruptcy and 2 years after my modification- a company called XXXX , sent me a letter saying they were servicing my second mortgage- I sent them a letter back stating I didn't know who they were- ( letter A ) that XXXX XXXX XXXXXXXX gave me a home modification in XXXX and my second was under that. Never heard another word from them. I never received payment coupons or any correspondence from them- I checked my credit report and nothing was on my report, I also went down to the county courthouse to see who had a lien on my property and nothing came up-so I though it was a scam.\n\nFour more years go by and I hear from a company SLS saying they had my second mortgage- Since I never heard again from XXXX and was sure both mortgages were under my modification- I received nothing saying that they had my loan. I again checked my credit report and at the county courthouse and nothing again came up- I wrote it off as another attempted scam. In XXXX of XXXX, now 10 years after my bankruptcy, I got a letter from SLS saying they were going to foreclose on my property due to non payment. My attorney had me check my credit report and go down the the courthouse - again nothing. My attorneys assistant found something in her search on the internet, however, the lien holder was XXXX XXXX XXXX NOT SLS. My attorney sent a letter on XX/XX/XXXX requesting documentation ( letter B ) - SLS sent me a letter stating they got the letter and would send the requested documentation, I got that paperwork XX/XX/XXXX.\nIn the meantime, I got another letter from SLS that my retention person was XXXX I called her on XX/XX/XXXX and told her this story- she told me I needed to pay what was in arrears by XX/XX/XXXX or short sale my house those were my only two options. She refused to work with me. I requested the documentation that they had this loan as well as the total balance in arrears including late fees, interest etc, as well as the total pay off amount. I still have not received these financial documents and it has been 3 weeks since I requested it. XXXX said when SLS took over the loan, there was a certified letter that was sent to my house in XXXX of XXXX- no signature required- so somehow, that proved I got this letter. I live on a XXXX XXXX and get the neighbors mail all the time- I protested I never got that letter. It wasn't until XXXX, SLS started sending me correspondence via mail, with no instruction as to what I was supposed to do with it. If someone owed you XXXX, wouldn't you make sure they signed verification of receiving the documents? I never got a transfer letter from XXXX XXXX XXXX, XXXX or SLS on my 2nd mortgage- but I got every single transfer letter from the companies holding my first mortgage. I find that quite odd. When XXXX XXXX XXXX sold my modified 1st mortgage to XXXX I got that letter of notification. Never got a notification about XXXX XXXX XXXX selling my second to anyone.\n\nThe companies that held my first mortgage had no issues getting me payment coupons or notifying me of changes in companies, however, XXXX and SLS couldn't seem to get it together over a 10 year span. I have had the same phone number for 20 years- same address since XXXX, no messages nothing, but now they expect me to pay in full on a loan they still haven't verified they hold or told me HOW much I owe. I need some serious help here as this is just wrong on so many levels. There has to be laws to protect consumers, NO customer should ever be treated this way- My bankruptcy was XXXX in XXXX and they wait 10 years, send NO payment coupons, now tell me I am in delinquent on my payments and they are going to foreclose on me? I can't pay on something I have no idea that I owe.\nAs a customer, I indicated in my Bankruptcy papers I would pay my first and second mortgage. XXXX XXXX XXXX sent me payment coupons every month and I reaffirmed my commitment by paying my first and second mortgage to XXXX XXXX XXXX after the discharge and up to the point where my modification was approved. Yet, after 10 years, I am the one who has to pay the consequences of added stress, sleepless nights and added aggravation because of the irresponsible, reckless incompetence of businesses that did not do their jobs?! I understand there are laws that companies have to follow after bankruptcies- but there is only so much that I can do - I did my part in being responsible- what are the consequences for businesses that don't do their part? Please, please help me! There are pages and pages of complaints about this company- not only in your data base- but several others. I can't make payments on a loan without a statement and monthly payment coupon!\nI have also filed my complaint with my State Attorney general and my 2 senators and I will continue to write every consumer watch agency until SLS does the right thing. I have been a small business owner for 30 years- and when people owe me money, I send them statements and payment coupons so they can pay me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3301192", "source": "cfpb", "group_id": "cfpb/bac4847b7d24d8246c10", "variant": "clean", "length_bucket": "long", "chars": 6728, "company": "Specialized Loan Servicing Holdings LLC", "date_received": "2019-07-09", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "bac4847b7d24d8246c107cdbdacc94f1b84b9e983ea7aca9b29d4ddab2e419db", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 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.\n\n15 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.\nAlso they aren't even in compliance with XXXX XXXX credit reporting.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7498540", "source": "cfpb", "group_id": "cfpb/da4e6add6fb2f39842f1", "variant": "clean", "length_bucket": "short", "chars": 789, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2023-09-04", "product_raw": "Vehicle loan or lease", "issue_raw": "Repossession", "sub_issue_raw": "Loan balance remaining after the vehicle is repossessed and sold", "text_sha256": "da4e6add6fb2f39842f1d8fbc119432393b1049a6cc0ad794fedd6f0b20b9ccd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX XXXX, 2016 we went to XXXX XXXX XXXX of XXXX, located at XXXX XXXX XXXX. in XXXX VA XXXX to shop for mattresses. While discussing the pending sale, the owners/managers of the store offered that they had a financing option that would allow us to purchase the mattress set with 90 days same as cash. When asked about what would happen after the 90 days we were told that the bi-monthly payments of {$58.00} would continue until the bed was paid off. What they did not disclose is the fact that after that 90 days, financing the purchase with ACIMA/XXXX XXXX would double the price of the bed from {$730.00} to a total financed amount of {$1500.00} as the financing agreement called for the {$58.00} per month to be paid for 27 months. More calculating is the way this whole process worked. The \" manager '' of the store had me provide the information necessary to determine if we would be \" approved '' for the financing. Once they got the approval, a code was sent to my cell number to verify that I was who I said I was and it would be my way of electronically signing the finance documents. We were told that copies of the contract would be sent by mail and we were not given any documents to review that night. At no time was it disclosed prior to this electronic \" signature '' that there would be a 100 % finance charge for not paying before the 90 day period was up. I am attaching a copy of the Financing Agreement that was provided to me by the company by request today, however, I again need to stress that we received NO copy of these documents at the time the sale was done, only later by mail. Today I called to get the balance owed on the account and was told that after making {$870.00} in payments, that I still owed almost as much as I had already paid. A quick search of the BBB complaints showed that ACIMA credit uses this blind method to take advantage of customers every day. Their methods are clearly deceptive and being in banking, I ca n't imagine that their practices are not in violation of UDAP or some other provision.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "unexpected_fees", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2581477", "source": "cfpb", "group_id": "cfpb/6f1ec9417eeb7adb774c", "variant": "clean", "length_bucket": "medium", "chars": 2053, "company": "ACIMA CREDIT, LLC", "date_received": "2017-07-21", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "6f1ec9417eeb7adb774cac1dcd7a65db214c885c629d42517a84e72e4d186051", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : \" Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/2154478", "source": "cfpb", "group_id": "cfpb/1f021da13c88a4ac9aba", "variant": "clean", "length_bucket": "short", "chars": 1071, "company": "Experian Information Solutions Inc.", "date_received": "2016-10-11", "product_raw": "Credit reporting", "issue_raw": "Credit reporting company's investigation", "sub_issue_raw": "No notice of investigation status/result", "text_sha256": "1f021da13c88a4ac9abae2ef89e9dce3be63a60596d2135c44aafb4e5387a981", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is regarding my Citi Costco Visa card. I have kept this card with me all the time.\nI received a suspicious charge activity notification from the company ( see below ), and it was {$5600.00} charge \" DECLINED '' by a merchant in XXXX on XX/XX/XXXX. They asked me whether I am aware of this, Yes or No, So immediately clicked \" NO '' button. I thought it was resolved since \" DECLINED ''. On the next day, a Citi Card Security called me and asked me about confirmation questions. I told him I never authorized this charge and kept the card in my possession all the time. He said not to worry and they would issue a new card replacing my old card associated with this scam activity. A few days later, I received a new card and thought everything was resolved.\n\nOn XX/XX/XXXX, I went into my account trying to make a payment but found this declined charge was on my bill. I immediately reached out to the company ( billing, security, fraud depts. at Citi Card, but no one was able to help me and said that this charge has been in a dispute process. Since it was Sunday, I couldn't get a hold of the proper people so I had to call again and spent the whole on Monday with several people. I asked them why this was charged to my account. They told me different stories from different departments. 1 ) After the declined charge, another charge was submitted and went through their system. 2 ) They did a investigation and concluded that it was a valid charge so they put it on my bill. Their reasoning is someone used the chip to charge.\n\nIt didn't make any sense and I had a strong feeling that someone was trying to hid their mistake. I managed to get email contacts of Citi Executive Response Unit and sent my letter challenging the following.\n\n1. How did a declined charge become a valid charge and billed to my account?\n2. I clearly communicated to them that this was not authorized charge, and thought that everything was settled with a new replacement card issued ( the old card cancelled ) The citi card clearly states the following policy ( copied and pasted ) about their protection to their customers. But they did totally opposite to support the scammer.\n\n\" We've got you covered '' We monitor your account for suspicious activity. As a Citi cardmember, you're also protected with {$0.00} liability on unauthorized charges, which means you're not responsible for charges you didn't authorize. If you think any unauthorized transactions have been made, call us right away. '' I just received their genetic reply saying that they will investigate this matter and return to me within 15 days. I also tried to call them but the only answering service was available.\n\nMy immediate problems are my payment due date is close and I don't want deliquent charges. Therefore, I even asked them at least to give a temporary credit until they complete their investigation. However, no positive response has been received.\n\nIn conclusion, it is a very strange way for a major credit card company to handle a unauthorized charge. I have had some similar problems before, and they have always cooperated with me by issuing a temporary credit and resolve all for me. In this case, they didn't want to give such credit and make a conclusion within a few days without even discussing with me. However, the most suspicious one is what they moved a declined charge to a valid charge against my will. I think this a customer deceptive and criminal activity.\n\nPlease help me in resolving this ASAP. If any question, please feel free to call me at XXXX or email at XXXX Thanks for your support in advance.\n\nFollowing is the Fraud Alert they sent me on XX/XX/XXXX. You can clearly see \" DECLINED '' and their statement on unauthorized charges XXXX Oh Fraud Alert : Your Costco Anywhere Visa Card by Citi From : Costco Anywhere Visa Card by Citi XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Fraud Alert : Your Costco Anywhere Visa Card by Citi We noticed suspicious activity on your Costco Anywhere Visa Card by Citi account.\n\nACTION REQUIRED Citi and Costco Logo Security Zo\nne XXXX XXXX Cardmember since XXXX Card ending in XXXX Review the recent activity below Hi, XXXX. Let us know immediately if you, or anyone you authorized, used your Costco Anywhere Visa Card by Citi ending in XXXX for the transaction ( s ) noted below. You may not be able to make purchases on your Costco Anywhere Visa Card by Citi until we hear back from you.\n\nAmount : {$5600.00} Date : XX/XX/XXXXXXXX Merchant : XXXX Location : XXXX Charge Status : Declined Do you recognize the charge ( s ) above?\n\nYes I recognize all of the above.\n\nNo I do not recognize one or more of the above.\n\nIf you need more details on any transaction, login to the Citi Mobile App or Citi Online.\n\nCiti is at your side before, during and after every purchase.\n\nYour Citi Team We've got you covered We monitor your account for suspicious activity. As a Citi cardmember, you're also protected with {$0.00} liability on unauthorized charges, which means you're not responsible for charges you didn't authorize. If you think any unauthorized transactions have been made, call us right away.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/9943485", "source": "cfpb", "group_id": "cfpb/7bd52aadf446bc096799", "variant": "clean", "length_bucket": "long", "chars": 5174, "company": "CITIBANK, N.A.", "date_received": "2024-08-28", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "7bd52aadf446bc096799bb7384011f5aa6d1dfa81ecaca0c70bc751e48c2a9c2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "in XXXX of XXXX I came into One Main financial to get a loan and was approved. The loan officers name was XXXX XXXX. I filed the appropriate paperwork and the loan XXXX asked me if I wanted the insurance that came with the loan and I told them NO. I did not need the insurance which included life insurance and medical insurance because I already had my own personal policies. The loan XXXX then showed me a different price that was lower than the initial monthly payments and told me that that was the pricing WITHOUT insurance. I said ok. Later down on the line I end up checking my account and see that the Loan XXXX still included insurance in my loan when I clearly asked her not to! And the company told me I had to come in person to take the insurance off and that the would not reimburse me for the months Ive been paying extra for insurance. Total ripoff. I do n't care how small the amount is, its the principle that matters.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "unexpected_fees", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2682410", "source": "cfpb", "group_id": "cfpb/643100165c67f0e8d381", "variant": "clean", "length_bucket": "short", "chars": 935, "company": "ONEMAIN FINANCIAL HOLDINGS, LLC.", "date_received": "2017-09-22", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "643100165c67f0e8d3817ec54c3edb29e8175843da3990d1a92c67094a2838c9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could \" see the payment in their system ''. However, they could not \" verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University , XXXX XXXX MO.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/1905723", "source": "cfpb", "group_id": "cfpb/e4f7353e685c369ac3f5", "variant": "clean", "length_bucket": "short", "chars": 572, "company": "MOHELA", "date_received": "2016-05-02", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Keep getting calls about my loan", "text_sha256": "e4f7353e685c369ac3f5901ec09c15334c737afd49c684da9ebdf0b1f46a6451", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS TO MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE OF We are having technical difficulties. We appreciate your patience while we resolve this issue. THIS HAS BEEN THE SAME ISSUE FOR THE LAST COUPLE OF MONTHS. I KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "unable_to_get_report", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7892642", "source": "cfpb", "group_id": "cfpb/1a5de30837b80274cdcf", "variant": "clean", "length_bucket": "short", "chars": 443, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-11-22", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Unable to get your credit report or credit score", "sub_issue_raw": "Other problem getting your report or credit score", "text_sha256": "1a5de30837b80274cdcfaea71c0efdfff0f386626258d8aef4e847613fa80f3d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent a letter ( which Ive included ) to Santander regarding this \" charge-off \" they are reporting. This vehicle was totaled in a car accident, and I also submitted the documentation to them showing everything was paid by insurance and the amount that I had to pay was debited out of my account. ( also included in attachments ) Santander has yet to respond to me and it's been over 3 months.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7636568", "source": "cfpb", "group_id": "cfpb/ab4cb723cc200fe828ae", "variant": "clean", "length_bucket": "short", "chars": 394, "company": "SANTANDER HOLDINGS USA, INC.", "date_received": "2023-10-04", "product_raw": "Vehicle loan or lease", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "ab4cb723cc200fe828aeebc6cde96621732e6e33e88f811b4f02591a507e77f7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2282771", "source": "cfpb", "group_id": "cfpb/a4fcddf955366451cd13", "variant": "clean", "length_bucket": "short", "chars": 501, "company": "Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)", "date_received": "2017-01-10", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "a4fcddf955366451cd132d2b1ef61a346fe07761b1daf5e0bc5ce08edafb83ca", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2021 I signed a Retail Installment Contract which was provided to me, by a used car dealership XXXX XXXX XXXX XXXX who at the time was acting as the agent for XXXX XXXX XXXX XXXX who is the principle and the financial institution whom the my loan was assigned to. XXXX XXXX and XXXX XXXX XXXX have an agreement in place which provides them with loans, cars, tracking devices, legal representation, along with anything else a dealership would need to keep its operation running other then its employees but they may even provide training to teach XXXX XXXX XXXX XXXX employees how to identify new customers ( victoms ) for XXXX XXXX which fit a specific profile that they are looking for such as minorities, people who are struggling financially and has a credit rating below the national average, customers who are not educated regarding the true cost of financing, and any customer who is unable to secure their own financing. I should have been able to secure financing through a bank which was not subprime based on my XXXX XXXX XXXX and thought that XXXX XXXX XXXX would approach various lenders to find me my best option. At no time was it ever stated to me that they were acting as an agent of XXXX XXXX, that they would be the sole lender whom they would be approaching \" on my behalf '', or that the Underwriting priniciples used to determine the cost of my financing were different then those used by other major lenders which would have given me a loan with more favorable terms that could all be viewed in the contract both oarties agreed to rather then including language which I still have not seen until this day by reference in the contract signed. Before entering into the agreement the required disclosures were never made- cost of financing, actual interest rate applied, all of the fees or the paymeny schedule that I would need to follow. These details were not provided to me until after I electronically signed the installment agreement at which time i was not given an opportunity to review the contract 's full terms and conditions ( which completly favor the lender ) or provided with the required disclosures in violation of New Jersey and Federal Law - Truth in Lending Act. This was not as a result of an honest mistake meaning they forgot but rather the actions of XXXX XXXX XXXX agent for the principle Westlake Financial Services who jointly and systematically prey on people who are vulnerable, ignorant and in need which have limited funds which would include myself. I just as the countless others who have had to deal with the scrupulous practices of Westlake Financial which has the benefit of the experience and financial resources not available to me or there other victoms whose only chance at rescinding the agreement or otherwise altering same I believe is legally justified but just as the countless other victoms I too can not afford the benefit of legal counsell which is the only remedy available in this circumstance. If the failure to disclose the true cost of financing wasnt bad enough, I was tricked into obtaining additional financing when I requested thst my monthly payment date be moved to accommodate my pay day, that now leaves me with s baloon payment whose terms were briefly advised without disclosing any details of my true cost of financing or how this new debt could be paid back to avoid the interest that I can only guess accrues monthly. Ive lesrned from reading the 100 's of complaints that this may be one of the tools used by Westlake Financial to retain ownership of the csr and its title which is all done in an effort to sell each vehicle more then once because they have no intention of ever releasing the cars they finance. In summary, XXXX XXXX through there ever increasing hold on subprime financing targets people liie myself which they identify have the means to pay the monthly installment XXXX XXXX the time of purchase but have credit history 's which make it probable that they will eventually hit hard economic times allowing XXXX XXXX who obtains the loans through there agents who never disclose their conflict of interest and breach their duty to there customers like myself who unbeknownst to them are entering into an agreement with terms that are not all disclosed and favor the lender with no affordable remedy that would allow them or myself to reach a fair, legall or amicable resolution without waiting for tge next class action suite to be filed which is only s matter of time. Even a class action suite however fails to cost Westlake Financial enough to change their illegal lending behavior because their profits far exceed the penalties even when taking into account the penalties which they expect to recieve. The Truth in Lending Act was passed for financial institutions just like XXXX XXXXXXXX whom continue to prey on people like myself who have been defrauded by their agents with the knowledge and training provided by the principle who have created a system for indetifying targets and by failing to disclose whom the principle is representing gain the trust of people like myself seeking their assistance procuring financing for a car which my family can not live without.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6356252", "source": "cfpb", "group_id": "cfpb/6a835ca5332ea6ef234c", "variant": "clean", "length_bucket": "long", "chars": 5192, "company": "Westlake Services, LLC", "date_received": "2022-12-23", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "6a835ca5332ea6ef234cc3fa3353a7b9806d02cfd218b812ebe0d246da9e201e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX I called to find out payoff. I was told that I could not pay off the loan until the end of 4 years. Which would be XXXX. I requested online access they stated they do not do that nor do they give balance over the phone or online. I could not make extra payments to pay towards principal too. If I chose to request prepayment that basically I would owe the principal balance of the loan plus all interest payments due to the end of the 84 month term! They sent me an amortization schedule by email. In reviewing the amortization schedule for a loan that was $ XXXX It shows that I will pay them $ XXXX in 84 months.\n\nWhen you call it is hard to get an actual person on the phone. When I first took the loan it was very pushy, the filled in the information, I explained I was using funds to consolidate credit debt. The person I was speaking with said it was a business loan. I explained that I didn't have a business necessarily and they said it was ok. To just say I did when asked on the recording because I could use the loan for whatever I like. It was not clearly explained that I would have to pay in full $ XXXX for a $ XXXX loan and no option to pay off earlier without requesting prepayment. The interest rate is high and the monthly payment is high and I am in a position where I would like to reorganize the funds to have a lower payment and lower interest rate.\n\nThey will do that if I pay all the principal and interest and roll everything into one loan which is even more.\n\nI feel trapped and like I was mislead and that the firm used predatory lending practices to secure the loan and preyed upon my desperate need at the time making assurances that were not true.\n\nThey filled out the docs and sent them for docusign. I questioned a few things and was told not to worry about them just sign the documents.\n\nAfter the first loan, I had a phone call 6 mos later, during covid where they checked my credit report and urged me to take a second consolidation loan to \" lock in the interest rate '' because they were going to go way up and they would offer me a lower rate.\n\nIn desperation and much coaxing I agreed. After reviewing the loan amortization schedule it shows 18 %! With a 4 year lock in period and is the same type as the first loan.\n\nI have called to negotiate only to be told I would have to pay huge amounts of money back to them when I have already paid them huge amounts.\n\nI took out a $ XXXX loan and paid $ XXXX of that loan already! At the end of the 4 Years, I will still owe them another $ XXXX and interest through the end of the term.\n\nThey do not negotiate. I feel stuck and would like to not be making {$1500.00} /mo payments on 2 loans for 4 more years plus.\n\nI have read several complaints on the XXXX XXXX XXXX/ and your site about XXXX XXXX XXXXXXXX and have also read that they had/ have a Class Action Lawsuit against them for these exact practices.\n\nI need help or counsel.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/9743614", "source": "cfpb", "group_id": "cfpb/bc1e956e29fa91109501", "variant": "clean", "length_bucket": "medium", "chars": 2943, "company": "BANKERS HEALTHCARE GROUP LLC", "date_received": "2024-08-08", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem with the payoff process at the end of the loan", "sub_issue_raw": "", "text_sha256": "bc1e956e29fa91109501400e7826d9890555da011d4f3f09a1ea7971d1e446b1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I ASK THIS CREDITOR TO VALIDATE THIS DEBT AND AS OF TODAY I HAVENT RECEIVED ANYTHING!! ALSO UNDER FDCPA SECTION 811 ( A2 ) THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/2372003", "source": "cfpb", "group_id": "cfpb/0024a57dd1fa671b2383", "variant": "clean", "length_bucket": "short", "chars": 212, "company": "JH Portfolio Debt Equities, LLC", "date_received": "2017-03-06", "product_raw": "Debt collection", "issue_raw": "Disclosure verification of debt", "sub_issue_raw": "Right to dispute notice not received", "text_sha256": "0024a57dd1fa671b238329bef3560fd73a2b92276dbdc2e61dd20d3ee6ae4b33", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5088374", "source": "cfpb", "group_id": "cfpb/85921774043faad4ac53", "variant": "clean", "length_bucket": "short", "chars": 585, "company": "EQUIFAX, INC.", "date_received": "2022-01-10", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "85921774043faad4ac535aa74962d3ab0e5ad945411c1da4a5da62e704c31e1b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/2018 I applied for and was approved for an American Express Gold Card. I applied because I was offered XXXX bonus points once I spent {$2000.00} on the card. I also applied because the Cardmember agreement indicated that I would be able to directly place any charge that was over {$100.00} in a XXXX XXXX XXXX account. I also applied because one of thecardmember benefits was a {$100.00} annual airline add on fee ( such as luggage ) redemption credit offered.\nDuring my first month of card membership I specifically made purchases anticipating American Express would stand behind the promises it asserted in the agreement. American Express proved not to stand behind its promises, which caused me to default, which caused me to lose all of my points, caused a great amount of unexpected and unjustified fees, caused American Express to close my account and report derogatory remarks on my credit report ( credit report has already been disputed ) 1 ) I attempted numerous times to manage my XXXX XXXX XXXX account. To my dismay, each and every time I tried to access the XXXX XXXX XXXX feature on both the mobile and regular sites, a system error appeared. It turns out i was not not eligible. This was deceptive because the agreement did not explain to me that there would be a chance that I could potentially be ineligible for XXXX XXXX XXXX. XXXX XXXX XXXX is described as a feature of the card, not some special side program for separately qualified individuals. Several items were planned to be moved into XXXX XXXX XXXX, including several XXXX, XXXX, and Airline Ticket charges. At no time would any system allow me to pay any item over time, even though the user agreement clearly describes this feature.\n2 ) American Express never honored its promise to apply a {$100.00} credit for airline Add-ons. I specifically put this type of charge on this account anticipating a credit that was not received.\n3 ) The bonus points did appear on my statement after spending {$2000.00}, but were unfairly deleted before I could redeem them. Unfortunately, I was not able to pay the entire amount of the first or second bill because I was expecting to be able to pay all of the purchases I made for over {$100.00} Over an extended period of time as promised by American Express. Because I was unable to pay 100 % of my total balance, American Express charged a late fee, defaulted my account, reported derogatory remarks on my credit score, deleted all points before I could redeem anything, and worst of all, cancelled my account.\nVery upset with American Express, I requested a payment plan, and matters got even worse. I spoke to a representative on XX/XX/2018 and inquired about a payment program. She was very nice and explained how it worked. She signed me up and told me that Amex would consider reopening my account and reinstating the deleted points after I completed the payment plan. I had to make the first payment on that plan by midnight the same day or else my plan would be canceled. I agreed and called them back at around XXXX XXXX to make the payment. The representative informed me that the Payment Plan department has already closed. Totally agitated, I asked to make a regular payment anyway in order to preserve my rights in consideration of the promise I made earlier that day to make a payment before midnight. The next day, despite the fact that I made the payment of {$100.00} as specifically instructed by the first representative, American Express decided not to apply it to my payment plan and instead cancel the payment plan, pretend I never had one in the first place, and worst of all, send a bad report to the credit bureau. A couple weeks later I had the money to pay off the entire balance. I called and made a payment on a XX/XX/XXXX for the full balance. Later that week I decided to call Amex to inquire about the huge amount of lost points and possible reinstatement if my account. Once I called, Amex refused to talk to me at all because my account had apparently gone to XXXX XXXX XXXX. I called XXXX XXXX XXXX and they informed me that Amex had placed my account in collections even though it had a XXXX balance. XXXX then informed me that they could not tell me anything about my account before it was sent over to them, even though Amex refused to talk to me at all. Finally I got in touch with a department in Amex I. Florida that could answer my questions. The representative very rudely informed me that I never had a payment plan and that it was my fault for making the {$100.00} payment as they informed me it would cause the payment plan to cancel. But I apparently never had a payment plan ... Anyway, I am thinking about suing American Express for false advertising, misrepresentations to consumer, theft, I dont know. Can CFPB help? Thank you very much for your time and help with this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3132784", "source": "cfpb", "group_id": "cfpb/9648f360637f180cb7b2", "variant": "clean", "length_bucket": "long", "chars": 4859, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2019-01-24", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Problem with rewards from credit card", "text_sha256": "9648f360637f180cb7b20e2acb5cf1efec1256ac883fe14b7cefc3d5aa8505d3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : I, XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ).\n( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.\n\nI, XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to federal law 15 USC 1692a ( 4 ).\n\n( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.\nI, XXXX XXXX XXXX a consumer a natural person The Originator ( Original Creditor ) is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT.\n( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ).\n( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\nPursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.\nI am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL 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.\nXXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts list below.\n\nI am demanding deletion of entire accounts listed below : 1. XXXX XXXX XXXX- Remove or delete this account from my consumer report.\n2. THE Bureaus- Remove or delete this account from my consumer report.\n3. XXXX XXXX XXXX Remove or delete this account from my consumer report.\n4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report.\n5. XXXX Remove or delete this account from my consumer report.\n6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX XXXX Remove or delete this account from my consumer report I, XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigated it please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.\n\nUnder Penalty of Perjury consumer was NOT provided with documentary evidence or material facts regarding questions below required by Fair Debt Collection Practice Act ( FDCPA ) Law.\n\n1. Consumer was NOT provided a furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.\n2. Consumer was NOT provided the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.\n3. Consumer was NOT provided ANY identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.\n4. Consumer was NOT provided ANY verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.\n5. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.\n6. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.\n7. Consumer was NOT provided ANY verification from the stated creditor that you are authorized to act for them.\n\nUnder Penalty and Perjury Consumer was NOT provided ANY Documentary Evidence or Material Facts from these corporations below.\n\n1. Consumer is NOT in receipt of any document which verifies that corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX have standing to collet any money allegedly owed in Florida.\n\n2. Consumer is NOT in receipt of any document which verifies that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX has standing to collect any money that they claim I owe in the state of FLORIDA court by virtue of being duly registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX ONEMAIN LENDINGCLUB BANK NA meeting the minimum contacts requirements for in personam jurisdiction in Florida.\n\n3. Consumer is NOT in receipt of any document which verifies that I have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX 4. Consumer is NOT in receipt of any document which verifies that I owe money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. As a result of the harassment by these corporations.\nI have been damaged financially, socially, and emotionally.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4642313", "source": "cfpb", "group_id": "cfpb/93e1867a0546c86658de", "variant": "clean", "length_bucket": "long", "chars": 8508, "company": "EQUIFAX, INC.", "date_received": "2021-08-18", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "93e1867a0546c86658de8949dbed07f032f24d1c567e905a869c57e5be1d0c12", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This complaint is specific to Wells Fargo, a company that I have been banking with for a very long time. They are denying my claim for fraudulent charges on my Wells Fargo Business Credit Card. I was alerted to this issue on XX/XX/2019, almost two full weeks after the card was reported stolen, was closed, and I was told not to worry about the charges by the representative.\n\nMy complaint with the Consumer Financial Protection Bureau has many components which I have outlined below, but first and foremost it is regarding the denial of claim for fraudulent charges made on XX/XX/2019 totaling {$22000.00} USD that now I am being held responsible for.\n\nHelpful people from almost every other department and branch in Wells Fargo outside of the fraud the Wells Fargo Fraud Department, have expressed disgust, surprise, and utter disappointment that I am being held responsible for these charges.\n\nGiven the evidence supplied in the Credit Card Fraud Evidence document attached to this complaint, as well as the simple fact that their own team approved the fraud claims on my Wells Fargo Business Debit card, there is no reason to close and deny my claim. The only acceptable resolution is that all of these charges be permanently removed from my account for the Wells Fargo Business Credit Card in dispute.\n\nI have further complaints in the matter regarding the manipulative, unhelpful, untimely, strong-arm tactics that that fraud team resorted to when the denial was issued. I was immediately made out to be the criminal, despite being the innocent party who has been a long a valued customer. Im asking for a full review and investigation of practices used to deliver or address customers who have had a denial of fraud claims and an apology for the conduct of the fraud team. It is my opinion and the opinion of those I have spoken to within Wells Fargo at various levels that this specifically due to the dollar value of the fraud and that my claim has been denied without a proper investigation of the facts before denying the claim.\n\nAdditionally, in the case of fraud and a police investigation into the charges, time matters. After repeated questions to the representatives who handled my case on XX/XX/XXXX, I was repeatedly told that I didnt need to worry about anything and that the charges were obvious fraud and that Wells Fargo would take care of everything. Nearly two weeks later, after I called to inquire why the fraudulent charges were placed back on my card, they suggested that I would need to potentially provide unlimited and unspecified amounts of evidence to support my case. I was also told that no matter what evidence I supplied, there would be no guarantee of any results that would positively affect the decision in my favor. This is a tactic that I believe was used to stall and make the task seem insurmountable, demeaning, and potentially fruitless in order to scare and intimidate the customer from pursuing further action. However, I immediately supplied the evidence I could gather as a civilian and launched additional police reports beyond the initial XXXX XXXX Sheriff 's report for the theft of my wallet, cards, and phone from my vehicle on XX/XX/2019. There are currently several police departments across various locations where the charges occurred investigation the matter. The fraud team repeated claims theyre unable to supply the transaction times necessary to the ongoing investigation, hampering the multiple active and ongoing police investigations. Yet the fraud supervisor read off several transaction times to me on the phone when we originally spoke. I still have yet to receive a call back from the original supervisor I had called regarding the issue, nearly a week after leaving a message with him.\n\nOn XX/XX/2019 I spoke to two representatives in the resolution department related to my case, who promised that it would be escalated and the team would be actively working to get the denial reversed and the investigation reopened. Yet, on Monday, XX/XX/2019 when I called again, the case had yet to be assigned. When I spoke with the new representative, she took on the case, but made no promises and was sorry someone told me incorrectly that they had the power to do what the previous representative had stated. After supplying all of the evidence, I called back two hours later, only to find the representative had still failed to contact the internal fraud department, and therefore I opted to begin contacting federal authorities and watchdog groups about the case.\n\nRESOLUTION : Again, the only acceptable resolution is that all of the fraudulent charges filed be permanently removed from my account for the Wells Fargo Business Credit Card in dispute and that any negative marks on my business or personal credit or accounts be removed.\n\nA resolution does not mean that I will not continue to pursue action against Wells Fargo for the losses and harm this has caused to my business, my family, and my health. Additionally, it does not mean that I will not also pursue action to stop the abhorrent practices of Wells Fargo related to denial of claims without proper investigation. What has happened to me should never happen to anyone again.\n\nI have attached the list of fraudulent charges, Credit Card Fraud Evidence supplied to Wells Fargo, and additional Well Fargo complaint documentation with notes I have been keeping to build the case against Wells Fargo and support my claim.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3169871", "source": "cfpb", "group_id": "cfpb/53de86e56d0d91737075", "variant": "clean", "length_bucket": "long", "chars": 5457, "company": "WELLS FARGO & COMPANY", "date_received": "2019-03-05", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "53de86e56d0d917370753aa7a69d8e2d50351f0e319708417cfe872b482800d0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Please see comments from my previous complaint which was closed. Case # XXXX Upon reviewing flagships documents that they attached with their response to this complaint, I found multiple errors. They made it look as if they corrected the issues ( not posting payments properly, holding payments making them late, applying my payment to another account, repossessing my car when I had made the payments every month leading up to the repossession but due to their terrible business practices they were not applying my payments which led to the repossession ) There are so many errors in everything that they have done it is hard to keep track. I am going to attach all of the documentation once again including their documents that they responded with. They have in fact failed to correct my account ( they made it appear as if they did however if you look into the documents they provided there are multiple mistakes ), after multiple failed attempts at contacting them I am now seeking further action against this company. I am hoping you will help me. I am going to attach comments from others about this company, as it is not just me that has this problem. This company is fraudulent, has no integrity, and should not be allowed to continue to do this.\n\nThey have robbed me of my money, inflicted emotional distress, lost time and wages, and countless hours researching and digging into what they claim they fixed. I am asking you CFPB to protect not only myself, but many many others who are victims of fraud. I feel as though I have been robbed, mistreated, and so much more. Also, the company continues to drown my credit report with derogatory statements. I want the repossession and every single \" missed '' \" Late '' payment that the company stole from me to be corrected on my credit report.\n\nFor the company : I am giving you one more chance to CORRECT this, and I mean fine tune every single line of my payment history as well as your horrible accounting practices before I seek an attorney. I will not continue to allow you to do this to me.\n\nErrors found in the documents they provided in the last complaint : XXXX/XXXX/XXXX payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Repossession fees and lump sum payment not applied correctly look at how many times they applied and reversed, it does n't add up.\nXXXX/XXXX/XXXX {$200.00} payment made, after this is when they \" fixed '' everything and responded to the complaint ( and lied ) if I made a {$200.00} payment, and they supposedly applied a {$500.00} payment where is the extra money? Technically they only applied {$300.00} out of what they claimed to have fixed. On the website as of now, it is n't correct and still shows a payment due. The problem is, the \" late '' payment was from XXXX when I have a statement from the company showing I had a zero balance and next payment due was XXXX XXXX, XXXX. Go through the dates nothing adds up.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/2697185", "source": "cfpb", "group_id": "cfpb/43893be946d8159d730a", "variant": "clean", "length_bucket": "medium", "chars": 3000, "company": "FC HoldCo LLC", "date_received": "2017-10-09", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "43893be946d8159d730a31dc3ac1c9cbb48d64059eb758e7f1987a6bde7d3a8f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX. I went on XXXX in XXXX to XXXX with the United States XXXX. While I was gone XXXX XXXX sold my contract to Innovate Auto. When I got back from my XXXX the counselor from the Veterans Administration in Virginia told us while we were on XXXX that our interest rate on our credit cards and our cars should be at 6 % and to let our finance companies know so they could adjust accordingly.\n\nI got back in XXXX XXXX and I got in touch with XXXX XXXX who informed me of the sell to Innovate Auto so I contacted Innovate Auto. Innovate Auto told me I need to send them my orders from my XXXX and they gave me the email address to send them to. I sent the orders over to them. I called soon after and spoke with someone who said the orders were never received and asked me to resend them over, which I did. I called again and spoke with someone different who said they see the orders were received and they had been sent over to the team that would handle them and get me taken care of.\n\nI never heard anything from them so I called again, only to speak to someone who said they never received anything from me and I would need to send it over to them. I asked for a supervisor whom I was told is not available just to send over the paperwork and they gave me the email address again. I asked them if they could please look through all the notes on my account and see if they see anything about my orders. They finally looked and then said well we received some information, but it is not what we needed from what I am reading, please resend the information. I have sent over my orders several times and never received a follow up email from anyone to say there were received and every time I call they say we have nothing please resend them.\n\nI dont understand what the run around is about because like clockwork they call me every month for a payment and as soon as I ask about my 6 % interest that I should have gotten from XXXX they say they know nothing about that and have received no paperwork. It is very inconsistent and very unprofessional on their part and I dont understand what kind of business they are running where they can be comfortable giving faithful customers who help them stay in business the run around.\n\nFinally one day I was able to speak with a supervisor named XXXX who took the time to look through my account after going back and forth and him saying they have nothing and I need to send paperwork confirming what I am talking about. He saw the orders and said he is printing them and getting them over to the right department so that I can get taken care of. I really appreciated speaking to someone who took the time to look at everything and understand where I was coming from, and actually see that I had sent in that information over a year ago.\n\nMonths went by and I did not speak to XXXX again so I called asking for him only to get that he is not in and I was transferred to his voicemail and left several messages that were never returned. Finally, one day I was transferred over and he accidentally answered and stuttered at his surprise in speaking to me. I said XXXX I am following up with you on my 6 % that I should be receiving from my orders to XXXX. He said let me look and see what they said. He said they said you had to be on XXXX while we had the car and you were on XXXX in XXXX and we cant go back that far. They were actually looking at the instructions and policies and procedures. I was very confused because the information on my orders are very clear. I went through the orders with XXXX and showed him where the actual dates are. I then questioned the specialist they have in charge of military information because if they do not know how to read the orders or understand them, what help are they to their faithful customers. He agreed they need to get a better process in order to help faithful customers better.\n\nAt that time XXXX said he was going to highlight the information to show the specialist my actual XXXX dates so they can go ahead and take care of my 6 %. XXXX apologized for the confusion and thanked me for my service and promised to get it all taken care of and said he would give me a call within a week. I have not heard from XXXX since and this was way back in XXXX or XXXX. I call often trying to speak to him and everyone says they are taking a message and giving it to him. I have even left several messages on his voicemail that they have transferred me to. I asked is he still employed there and they say yes, but I guess he just does not want to speak to me.\n\nThey call me monthly several times to ask me about my payment and I always ask them is XXXX available and they say no so I ask have they fixed my account yet for my 6 % according to my orders from my XXXX and everyone I have spoken to says we dont have any record of any orders you have to send them to ; and they give me the email address to send my information to.\n\nI was making my payment slowly because I know they owe me the 6 % and I was hoping and praying they would do the honorable thing, their job, and look over my account and see that I was on XXXX from XXXX XXXX until XXXX XXXX.\n\nI would like a resolve to this situation. I believe I have done everything I could have done to try to get things handled in a professional way, but I have not had any cooperation, from this company. I do not understand how such a company can be comfortable presenting themselves in this manner and taking peoples hard earned money without first caring about them as a faithful customer. I dont believe this company, Innovate Auto realizes, it is the faithful customer that allows each and everyone of them to come into a job each day and the faithful customer can bring all of that to a hault.\n\nI was holding off paying my car off because I did not want them to say well her care is paid off now we should not have to give her anything and being the kind of company they are which in my eyes is sneaky, uncaring, and trifling, this is the only thing I expect from them because this is all theyve shown me. However, waiting to make payments and being late with my payments is only making my credit get worse.\n\nThis is a serious cry for help to the Consumer Financial Protection Bureau to help me with this company. I have exhausted all efforts to get these things handled, and because I am just a little faithful customer with a car payment they treat me like trash with no appreciation that I am a part of the reason why Innovate Auto still exists.\n\nI have attached emails that I have sent to the company with my orders that were sent to them.\n\nI sincerely thank you and appreciate your help in this serious matter. Have a wonderful day.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/2650869", "source": "cfpb", "group_id": "cfpb/cd68de8936428715fd8f", "variant": "clean", "length_bucket": "long", "chars": 6731, "company": "Innovate Managed Holdings, LLC", "date_received": "2017-08-25", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with the interest rate", "text_sha256": "cd68de8936428715fd8fe0702fd80c23a5cdf4f6277668985e195dda37d512c8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We took out a swing loan which was recorded on XX/XX/XXXX ( paperwork attached ). We paid it off on XX/XX/XXXX ( paperwork attached. We received the deed to the prperty on XX/XX/XXXX ( attached ). We received a sales aggreement to sell this property on XX/XX/XXXX. When the title was being reviewed it was brought to our attention that this loan was never properly closed and there is still a lien on our property ( attached ). We require a \" Letter of Satisfaction '' from the mortgage company before we can sell our property. The setlement coordinator for our real estate company along with the title processor have contacted the mortgage company with no satisfaction. We have also made the following phone calls : XX/XX/XXXX @ XXXX XXXX we talked for 43 minutes and were hung up on.\nXX/XX/XXXX @ XXXX XXXX talked to XXXX for 58 minutes without any results XX/XX/XXXX @ XXXX XXXX talked for 10 minutes without any results ( all mail boxes were full ) XX/XX/XXXX @ XXXX XXXX talked to XXXX ( ID # XXXX ) for 24 minutes. XXXX requested we fax her the paperwork and she would review and call us the next day. We faxed her the paperwork @ XXXX XXXX. Currently XXXX has not returned our call.\nXX/XX/XXXX @ XXXX XXXX talked to XXXX ( ID # XXXX ) for 29 minutes without any results XX/XX/XXXX @ XXXX XXXX talked for XXXX minutes to XXXX ( ID # XXXX ). XXXX requested we fax this information which we did later that day.\nThe customer service representatives say they have no information or history of this loan. We have also contacted the \" Lien Release Team '' of the Mortgage company mjultiple times but have not received a call or reply of any sort. We need this \" Letter of Satisfaction '' ASAP as it is holding up our sale. We already missed the first settlement date.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3612292", "source": "cfpb", "group_id": "cfpb/90a64a1ecca4d0699efe", "variant": "clean", "length_bucket": "medium", "chars": 1776, "company": "Onity Group Inc.", "date_received": "2020-04-18", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "90a64a1ecca4d0699efebc3f690501f86b632f8cb3976ddbc12fe378492de5e6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have had an ongoing issue with Ally Bank where they wont resolve an issue figuring out why my refund hasn't processed Recently My balance went from XXXX to XXXX due to a double charge and no one can tell me why, every time i call i get difference answers and suggestions. They say they escalate things and i never get responses", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6824027", "source": "cfpb", "group_id": "cfpb/828e54e7ad426ce89184", "variant": "clean", "length_bucket": "short", "chars": 329, "company": "ALLY FINANCIAL INC.", "date_received": "2023-04-12", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "828e54e7ad426ce8918483c4541c853dab344d8716de2d24ab8cafa1025469d3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I just received an email from \" Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation.\nI just read the reviews on this company. I do not want to deal with them. What are my options?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2404394", "source": "cfpb", "group_id": "cfpb/6f4f9e50136c6d79102e", "variant": "clean", "length_bucket": "short", "chars": 425, "company": "Navient Solutions, LLC.", "date_received": "2017-03-26", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Received bad information about my loan", "text_sha256": "6f4f9e50136c6d79102e98282deb8df6d764b355c7c2eb57ef8a83713df7fbf4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX came to my door and informed me of their promotion. No upfront fees, no install fees, and cost of equipment simply rolled up into the monthly fee of {$78.00}. Plus they would send me {$400.00} in gift cards for signing up and 3 months free. I agreed and said this sounds great. I had no idea that the sales rep was opening up a line of credit in my name with Citizens Pay. The sales rep was unethical in that he should have stated up front that the cost of the equipment is around {$3000.00} and we will need to open up a line of credit in your name. In fact when he handed me his tablet it asked me for my full SSN and I asked him why would you need this and if my credit is going to be run. He said sometimes the system asks for it but don't worry you are already approved to be one of our customers and no your credit is not impacted. He then said he had to put me on video but before he did this he coached me on exactly how to look ( not look away and simply confidently say yes ) He said the jargon used is legal stuff. I didn't pay much attention as I trusted him. A month later I find out I have a line of credit on my credit report. Also he said it would be 3 months free ( I had to call XXXX to fight them on that to get them to set that up, the bill is not {$78.00} but {$89.00} and they billed me for the installation over {$200.00}. WOW! So unethical, deceiving, and he did this to soo many people in my community. I would have never signed up if he was honest and said \" look you need to apply for a line of credit in order to pay for the equipment '' So many XXXX violations. I had no clue I was opening a line of credit. I work in banking and I am very familiar with the law and XXXX is willingly breaking the law with their door to door sales practices. Yes I signed everything that was on his tablet because I trusted him and he simply pointed and said sign here so that is why XXXX will not change anything. In fact this sales rep advised me not to call XXXX if I had any questions but to text him for any problems.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7129661", "source": "cfpb", "group_id": "cfpb/97dc7dda9a44d22718a8", "variant": "clean", "length_bucket": "medium", "chars": 2049, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2023-06-16", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "97dc7dda9a44d22718a80ec8f7f075752ff33b42718d80721ffecf3d6b01d45d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Let me start with I have banked with Bank of America for 30 years..XX/XX/19 I used my work desk top computer, as I have done for 4 years, to log into my Bank of America checking account to insure that my payroll direct deposit was deposited. When I put in my user name and password the next screen that popped up was asking for my security questions - which I answered. The next screen popped up asked for confirmation of my debit card and it already displayed the last 4 of the card, the next screen asked for confirmation of my email. After I answered the questions it then took me directly to my account - I ensured my direct deposit was there - it was so I logged out. Within 10 minutes after I logged out I received a text from BofA saying they had suspended my account due to fraud. I freaked out and called BofA and spoke with XXXX and she advised that \" XXXX XXXX XXXX XXXX '' received {$2400.00} - I informed here I do not know a \" XXXX XXXX XXXX '' and I did NOT authorize any payment at all. She told me that XXXX was not a person but it is a money transfer thing ( I had NEVER heard the word XXXX before ). She opened claim # XXXX. I was then advised that I should probaby run a scan on my computer as what I described sounded like Malware. I then left work and went into the XXXX BofA office and opened a new Savings and Checking Account and received a new debit card as well and worked with XXXX XXXX to open these accounts. So far both these ladies were very helpful and reassuring that my funds would be returned as quickly as possible. In fact I was advised that by the 10th business day my funds should be returned.\n\nOn XX/XX/XXXX I called BofA to get status as my funds had not yet been credited to my account. I spoke with XXXX and she told me the \" claim was denied '' - I was absolutely devastated! and started crying and asked to speak with a supervisor. This was at XXXX. She told me that \" XXXX '' was not available and she would give her my information to have her call me within an hour. At XXXX I called back and asked to speak with the supervisor XXXX XXXX XXXX came on the phone and we were on the phone for about 4 hours! She stated that she needed proof there was Malware on my computer - as in our discussion as to why it was denied she stated that the analyst denied it because there \" had been activity '' since XXXX. I tried to find out what that meant and in fact told her that for the past 8 years I have always checked my bank from my work desktop. I told her that I ran the scan - which took 3 days to run - and there was Malware and some other red flagged items for which I immediately removed them - I used XXXX XXXX XXXX. She asked if I could print out a report - with her on the phone I pulled up the program and reviewed all my options that the program offered and there was no report - I also told her that when it was \" suggested '' to run a Scan - that no one advised me that I would need \" proof '' - that if either XXXX or XXXX made any mention whatsoever that I would have needed proof I would have surely taken print screens - XXXX then informed me that my email account was probably hacked too - I said \" what? You are saying my email was hacked '' and she said yes. She asked if I would object to contacting XXXX to see if they could provide some assistance so she called XXXX and we did a 3 way call but XXXX offered no help ; she then stated she knew how to contact XXXX to see if they could help and of course I agreed so we conducted a 3 way call with XXXX - and we spoke with XXXX who opened a claim # XXXX - with all 3 of us on the phone he then logged into my computer and pulled up the XXXX XXXX XXXX and confirmed with XXXX that there is no report that can be produced - he did some searches on my computer and he told XXXX he totally believed me that the scan was run as the computer was totally clean at this point. XXXX then said she was going to resubmit the claim for reconsideration - we were on the phone for almost 4 hours!\nOn XX/XX/XXXX I called BofA and spoke with XXXX who advised that XXXX was off but that she did put the file in for reconsideration. I asked for a fax number so I could fax over the police report I had filed and I faxed over the police report to XXXX. On XX/XX/19 I called and spoke with XXXX and she stated it was still be reviewed and to give it until XX/XX/2019. On XX/XX/19 I called and spoke with XXXX and then with XXXX - XXXX advised that the claim was denied at which time I broke down again crying and re-reviewed EVERYTHING - he put it back in for reconsideration.\n\nOn XX/XX/19 I actually went into the BofA in XXXX and spoke with the Branch Manager, XXXX. I reviewed AGAIN everything. He indicated that he has been successful in other attempts when fraud has been denied and that he hoped by the end of the week I would have my funds returned. On XX/XX/2019 and XX/XX/2019 I left XXXX messages and as of today I have not heard from anyone. I have tried to contact him because I found something under Action Center that I wanted to submit but as of today 's date no one has gotten back to me and I still do NOT have my {$2400.00} back!\n\nI just do not know what else to do - BofA contacted me due to \" fraud '' on my account - I have done everything they have asked - they refuse to give me back my money that was stolen from my account. I just do not know what else to do - I simply can not just let {$2400.00} be stolen from me from a federally insured institution where I have banked for 30 years! Someone please help me!!!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3235868", "source": "cfpb", "group_id": "cfpb/865341a4f87fa28d125d", "variant": "clean", "length_bucket": "long", "chars": 5535, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2019-05-08", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "865341a4f87fa28d125d21c98f8e26b67566857b43250f69a6061c67ecc79b8f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I paid off my car loan at the beginning of XXXX. They claim they sent the title, I never received it. They now have been promising to send me a release of XXXX paperwork so I can get a duplicate and have not received it. It has been 2 & 1/2 months going on three months. They have a call center that refuses to transfer you to anyone. They say they have to email The title department and can not transfer or give me another number. I have called probably 2 dozen times, they always say it takes 15 days. I have yet to receive anything!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/5106175", "source": "cfpb", "group_id": "cfpb/4347ff9e11428cb2036c", "variant": "clean", "length_bucket": "short", "chars": 535, "company": "FC HoldCo LLC", "date_received": "2022-01-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Unable to receive car title or other problem after the loan is paid off", "text_sha256": "4347ff9e11428cb2036c285913be1352dbb9c84d6692c1a1a6c087337e2a24ff", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "n 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.\n\nAccount Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX IN : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 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.\n\n15 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.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9671239", "source": "cfpb", "group_id": "cfpb/74ae5b0a29a86cf557be", "variant": "clean", "length_bucket": "short", "chars": 1114, "company": "Experian Information Solutions Inc.", "date_received": "2024-07-31", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "74ae5b0a29a86cf557be54082f9f813d597ac0bad3b56822cab34cbedd359084", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/2634713", "source": "cfpb", "group_id": "cfpb/2fcd02220c68e9d9c407", "variant": "clean", "length_bucket": "medium", "chars": 1234, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2017-08-17", "product_raw": "Checking or savings account", "issue_raw": "Problem caused by your funds being low", "sub_issue_raw": "Late or other fees", "text_sha256": "2fcd02220c68e9d9c407bedd1b72c0a9c72c1e51ae3897e1b0c37b201aee9ea6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX, 2020-funds transferred to a XXXX XXXX in amount of {$500.00}, this was to purchase a XXXX. Upon transfer, I realized this person was a scam. Within 5 minutes, I knew this was a scam as the recipient of the money was no longer able to be contacted. I immediately called the \" contact '' number on Venmo 's mobile site. The automated answer stated that due to covid there were no people available to answer phones and to leave a message. I decided to call XXXX XXXX bank and they were available to take my call and I placed a stop payment as the money transfer had not occurred yet.\n\nXX/XX/XXXX, 2020-receive email from Venmo stated that they \" covered '' my funds transfer! I was also notified that my account was frozen. I then responded to email with the information that I had been scammed and was not aware that they would \" cover '' my funds to pay a scammer.\n\nXX/XX/XXXX, XXXXreceive another email from an \" account specialist '' stating that \" it is in within my rights to dispute the payment with my bank '' ( ie stop payment ) but that I am still to reimburse Venmo.\n\nXX/XX/XXXX, XXXX-I responded to the XX/XX/XXXX email and received yet another email with \" Do any of these articles answer your question? '' Which did not assist me in any way.\n\nXX/XX/XXXX, XXXX-I login to Venmo online chat service, no resolution. I have that printed transcript from that chat. I stated the issue, that the money sent should not have been sent due to the funds not being there and that they should not have sent on my behalf.\n\nSince the above dates, Venmo has continued to call me and harass me to pay them money that I do not owe as the person of interest is the scam artist and that they should try and find him. They have since continued to call me and harass me via phone and email. I also had a friend of mine transfer money to my Venmo account ( before I had the chance to tell her not to XXXX and Venmo has taken that money as well.\n\nThe total amount due to me is {$140.00} ( XXXX from previous balance, XXXX for stop payment fee from bank, and XXXX from recent transfer from a friend ). Venmo can seek the XXXX from @ XXXX. If a consumer places a stop payment on their bank account tied to a virtual wallet, the company ( Venmo ) should maybe stop, and reach out to the person who has stopped payment and ask for a reason why to prevent this type of fraud from happening. The constant calls and emails is ridiculous and is harassment of a law abiding citizen who would not be in this predicament had Venmo contacted me to ask the reason for freezing the bank account transfer, but as I soon found out, calling their help line did not help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/4272309", "source": "cfpb", "group_id": "cfpb/8bb1f0214faf9555c8e7", "variant": "clean", "length_bucket": "medium", "chars": 2658, "company": "Paypal Holdings, Inc", "date_received": "2021-04-05", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "8bb1f0214faf9555c8e7cc6022db96633e2d9928b71bfd24e4c6521c092d3722", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To whom it may concern : I am writing to share my story of a XXXX fraud scam. I have been a Bank of America client for 20 years, and have come to trust the bank 's marketing of consumer fraud protection. I was told by my bank that XXXX was a safe tool for money transfers. I was scammed by a fraudster who took advantage of this trust, and who knew that both Bank of America and XXXX ( a product of XXXX XXXX XXXX ) would have opportunities to prevent or reverse the scam but would repeatedly fail to do so. Specifically : 1. Bank of America as a whole bank brand advertises fraud protection constantly. As a customer, my expectation has been repeatedly set that Bank of America products come with fraud protection, and yet they have built a service ( XXXX ) into their online banking and mobile banking apps that comes with XXXX protection for consumers.\n2. Bank of America and XXXX XXXX XXXX make insufficient effort to warn account holders of this lack of protection. It wasn't clear to me until I was scammed that I would have absolutely no recourse, yet Bank of America customer service all but laughed in my face when I asked if they could help recover my funds.\n3. Bank of America and XXXX XXXX XXXX apparently make no use of their data to detect what should have been clearly fraudulent activity on my account : First, multiple declined transfer requests should have prompted an account lockdown. Second, a third-party link should not have the ability to directly confirm a transfer. Third, it should have been obvious from my account history and/or from the activity of the fraudster 's account that this was a suspicious transfer, yet no special authorization was required to drain my account of nearly its entire balance.\n\nMy expectation as a customer of the bank is that I will be protected from fraudulent activity. The bank advertises and promotes fraud protection constantly, but now that I have been a victim of fraud, consumer protections are nowhere to be found from either Bank of America or XXXX XXXX XXXX. This deception and failure of responsibility from my bank feels in many ways like an even worse violation than the scam itself.\n\nOn Monday evening XX/XX/XXXX I received a call which showed as \" BOA '' on my caller ID. I then received a text and then another phone call from the same party. Believing I was being contacted by my bank, I answered the call. The caller addressed himself as \" XXXX XXXX, ID number XXXX. '' He informed me that someone had made a fraudulent {$3500.00} XXXX transfer from my Bank of America personal checking account. He kept saying he was checking a few things out because there was a high volume of fraudulent attempts - I was seeing these transfer requests and declining them on my end, which corroborated his story. He then said, \" let 's try one more thing, '' texted me a link, and instructed me on the phone call to click the link to complete a \" test '' on my account. I clicked the link, which was in fact a link to confirm the transfer request. This was the first violation, where Bank of America and XXXX XXXX XXXX inexplicably have allowed a link sent by a third party to point customers to confirm a transfer request. It seems obvious to me that I should have to go directly to my online banking account or app to do something like this.\n\nI received a text message saying thank you for your confirmation on this transfer. I immediately panicked ; the fraudster on the other end of the phone actually giggled. He told me that because it was after bank hours I would have to wait until morning for the \" test '' to be reversed. When I awoke, I called Bank of America directly and told a customer service agent what had happened. I was clearly in a state of panic but the agent lacked any empathy, saying only that I had been scammed and that I need to make a claim with the fraud department. The fraud department was so busy that they had to call me back - and when they did, I was already at a local Bank of America branch seeking any assistance they might be able to provide. All Bank of America 's representatives could tell me is that they would \" not likely '' be able to protect me or reclaim my lost funds.\n\nHaving been abandoned by Bank of America, and knowing the fraudulent transfer was completed via XXXX, I decided to contact XXXX directly. Of course Bank of America and the XXXX user interface intentionally obfuscate the fact that XXXX is run by a company called \" XXXX XXXX XXXX XXXX, '' something I would not learn until much later. All I could do to find XXXX contact information was to search XXXX. I called the phone number that I found, and I was pleased to reach a live person, who identified himself as \" XXXX. '' I explained the situation and he told me not to worry - he had the power to help, and that there would be a few steps to begin the process. First, he had me install XXXX ( a screen sharing app ) so that he could record our interaction for his management to review. With my screen being shared to XXXX, he had me sign into my checking account and go to XXXX to do a test transfer for {$220.00}. At this point I have already exceeded my max in XXXX transfers from the prior scam. Seeing this, XXXX sent me a text and said he will be in touch once he is able to review my case with his superiors. He collected my email address, had me log out of Bank of America and all social media accounts while he watched my screen, and told me that my device had been hacked and that I was being monitored from multiple locations before we ended the call.\n\nFeeling suspicious and beginning to sense that something was wrong, I used a family member 's phone to try contacting XXXX again - this time, finding a different phone number, I reached an automated system. It became apparent that this was the actual contact for the XXXX operators, and that the human I had reached earlier was in fact another fraudster. I was sick to my stomach, realizing that Bank of America had yet again failed to give me the information I needed to know who operates XXXX or how to get in contact with them. When I learned about XXXX XXXX XXXX I was even more disappointed- why was I able to reach a FRAUDULENT customer service agent so easily, yet calling the real XXXX provider only got me to a brick wall of an automated system?\n\nI have closed my accounts, changed all of my passwords, enrolled in personal credit monitoring services at my own expense, and updated billing information at all the places I had my Bank of America card on file. The process has only begun for me to earn back the money I've lost. What may take even longer is the process for me to heal the psychological wound that this has left behind. I hope that this letter helps to inform other consumers, the regulatory authorities, banks offering XXXX to their customers, and XXXX XXXX XXXX of the very real fraud risk being willfully left open right now. I only feel fortunate that I am young enough to recover financially ; I can't imagine how this wide-open fraud opportunity is impacting the elderly and other vulnerable individuals who have been deceived into trusting their bank.\n\nBest, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/5810397", "source": "cfpb", "group_id": "cfpb/e26e7439a57a36e3a1c7", "variant": "clean", "length_bucket": "long", "chars": 7151, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2022-07-26", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "e26e7439a57a36e3a1c7eeee5386feaf0c75a0dae2cd4af32fd6563846ea2971", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing regarding my account with GM Financial. This account was opened XX/XX/XXXX. The account was for the lease of a XXXX XXXX XXXX which was returned in XX/XX/XXXX. Currently I have attempted to resolve the matter, but GM Financial maintains they want paid for a disposition fee. I maintain that money paid to them for XXXX taxes was misallocated, therefore I should have been on target to receive a refund for taxes paid ( prorated from XX/XX/XXXX, and the full months of XX/XX/XXXX to XX/XX/XXXX ). Also, I maintain that I, in good faith, tried to get information for any and all costs associated with ending this lease in order to limit my liability to only excess wear and tear and excess mileage. My intention with ending the lease was that the dealership to which I would buy/lease my next car would pay all final payments in full to GM Financial with the exception of the excess wear/tear/mileage if applicable.\n\nPrior to searching for a car for lease/purchase I called GM Financial to get final numbers : buyout price or lease pay off, and any final costs that would be associated in order to close the account. I called ( approximate date XXXX XXXX ) and I used the online chat option to get this information. I also checked in multiple places in my account ( on their website, app, and paper statements ) and was unable to get this information from any of those options. I was told a buyout number and lease payoff during the call and the chat session. I was told that sometimes XXXX offers to forgive the remainder of the lease if I bought another XXXX product, and I received letters in XX/XX/XXXX stating as much ( early lease turn in ). I asked specifically and in multiple conversations via telephone and online chat if there were any other costs that might be associated/incurred with returning the vehicle. I was told no. I asked again if there would be anything else that would need paid other than a buyout or completion of the lease payments. Again, I was told no. I asked if there was anywhere on their website in my account information or statements to confirm what they were telling me, and I was told no, but was also told the information they were giving me was accurate.\n\nIn XXXX of XXXX I started the process of looking for financing and searching for my next XXXX car. I spoke to salespersons at three dealerships ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) about an early lease turn in. XXXX XXXX is closest to me, and I test drove a car that I was interested in. When it came time to discuss purchasing the car I was told by the sales manager, XXXX, that I should take a smaller car. I told him and the salesperson, XXXX, that I was looking to purchase a larger car to accommodate my family ; that I needed something larger to accommodate a car seat and enough leg room for myself because I have a XXXX that affects my XXXX and XXXX, and with the current car, I was in pain from not having enough room due to the car seat. XXXX was abrupt in telling me he could not sell me the car I wished to purchase, that I should accept a smaller car, that I would have to roll over the remainder of my lease, and if I was unwilling to accept that there was nothing else he could do for me. He ended the discussion by walking away. In weeks following I was emailed by XXXX XXXX even after unsubscribing and called multiple times a week and sometimes multiple times a day even after requesting the calls cease. It took more than a month for the calls to stop, and representatives from XXXX XXXX only stopped when I threatened to file a complaint of harassment with the Attorney General and Federal Trade Commission. After that the calls were less frequent, but they did not cease entirely even with me blocking the numbers that were previously used. It was because of the interactions at XXXX XXXX that I decided to purchase from a different car company.\n\nIt was around that time that I paid the year XXXX taxes on the XXXX XXXX because I believed I would have the car until XX/XX/XXXX when the lease ended. Taxes are paid directly to the Leaser, as requested in a bill from GM Financial, by the Leasee which are then paid to the county tax assessor where the car is located. I sent the check through my banks online payment system including a memo for the check to be directed to the payment of taxes. The payment was made on XX/XX/XXXX for the amount of {$260.00}, the amount listed for the cost of XXXX taxes. I have obtained proof from my bank that this payment was made. On XX/XX/XXXX I purchased a car and returned my XXXX XXXX to XXXX XXXX, located at XXXX XXXX XXXX XXXX in XXXX, VA.\n\nI received the final bill sometime around the end of XX/XX/XXXX or the beginning of XX/XX/XXXX. When I called to find out why I was receiving a bill, and especially one this high, I was told it was a disposition fee. I asked what a disposition fee was and was told that it was for disposal of the car. I knew the car had been sold from XXXX XXXX in XXXX because I watched for the listing and sale of the car. I asked why this had not been disclosed as part of the final pay out. They said that a final pay out came when they knew if there had been excess miles or excess wear and tear. I told them I had expected to pay that if that were found to be necessary, but that I had specifically asked if there were any hidden costs, anything that would need paid besides the last of the lease payments, and anything else other than a final bill for excess wear and tear or miles. I also told them I knew that excess wear and tear or excess mileage charges were possible, but with how I took care of the car it would not be probable. I told them everyone I had spoke with had told me no, that there were no hidden charges. The wear/tear and miles would be the only things I needed to worry about if I had a dealership willing to either buy the car or pay off the lease even if I went with a different company. I knew that I was under mileage for the car and that wear and tear would not be a problem because I always kept it clean.\n\nI asked for the balance for pay off of the lease and for buyout of lease. I asked specifically for any and all costs, hidden or known, and was given an amount that was not accurate. The dealership from which I purchased my new car paid off my lease. The sales manager also called and asked for a full pay out. I was standing there as they were on speaker with the representative from GM Financial. The representative gave a number that was not a complete pay off. The disposition fee was not included in the final amount. The taxes I paid in XX/XX/XXXX had been applied towards the car payment and not the tax payment which gave the dealership willing to pay off my lease an inaccurate amount to pay to GM Financial. Had GM Financial applied the money correctly for the taxes and included the disposition fee they would have received full payment from XXXX for the balance of the lease, and I would have received a refund for XXXX through XX/XX/XXXX taxes as well as a refund for all of XXXX taxes paid.\n\nTaxes paid for XXXX were returned to GM Financial for the months of XXXX and XXXX. I have email from XXXX XXXX XXXX stating a refund was given back to GM Financial for the car being returned. That refund was not applied to my account. The tax assessor also explained in the email that in order for the refund to begin on XX/XX/XXXX they would need to be contacted from GM Financial or have something to reflect that I no longer had the car on or after XX/XX/XXXX. Only then would a refund be given for XXXX tax payment, that it would be prorated, and that the refund would be sent to GM Financial.\n\nI asked GM Financial in XXXX or XX/XX/XXXX to not report this to credit agencies until the dispute had been resolved, and I was told that it would still be reported to credit agencies as late/nonpayment. I said that in the few times I have had a dispute about a bill that the company had always agreed to hold reporting to any credit agency as long as the dispute was in process and resolution had yet to be found. The representative refused to hold reporting to the credit agencies. At this point by credit score dropped 80 points within two days. In looking at my credit report, GM Financial not only reported negatively to the credit agency once, but they reported negatively three times in two days ( XX/XX/XXXX and XXXX, XXXX ) for 30 days late. During the time I had the car in my possession I had not one late payment. Now in disputing these charges I receive 3 late/negative reports in a matter of two days.\n\nI requested a statement from GM Financial in XXXX or XX/XX/XXXX, and I received it in XX/XX/XXXX. The statement reflected what I had told their representatives in previous discussions : I made a payment of {$260.00} to be applied to XXXX XXXX County Tax Assessment. It shows the payment was directed towards the monthly car note, not applied to the property tax as I had designated in writing on the check sent from my bank. This check was received XX/XX/XXXX.\n\nAs of XX/XX/XXXX I have notified GM Financial that I would be in contact with an outside official because I am disputing the final balance. I have spoken to multiple representatives from GM Financial both before and after returning the car on XX/XX/XXXX. I have asked for transcripts of these conversations from the online chat, chat in the app, and the monitoring of the phone conversations. I have not yet been provided with that information, and I was told on XX/XX/XXXX that I could not be provided that information.\n\nPlease note, if this is not the correct agency to seek relief, please let me know who to direct my request in order to resolve this issue. Thank you for your time.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3739763", "source": "cfpb", "group_id": "cfpb/4a7b58be3e1e66be9cf4", "variant": "clean", "length_bucket": "long", "chars": 9720, "company": "General Motors Financial Company, Inc.", "date_received": "2020-07-10", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Termination fees or other problem when ending the lease early", "text_sha256": "4a7b58be3e1e66be9cf48a6e932203d186c648155b9f6e28c0b13292ff6c6d16", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX-XXXX RE : Compliant of Consumer Fraud, Predatory, and Deceptive Practices Perpetrated in Maryland and Virginia by XXXX XXXX XXXX and Sears CitiBank Card Services Dear Sir : Im asking CFPB to investigate and take immediate action against the two ( 2 ) predatory companies named herein for using credit card transaction processing to defraud and harm customers that have been victimized by deceptive and misrepresented service contracts for work that is never performed and/or performed very poorly and for charging hidden fees that are never disclosed.\nThe companies named in this compliant are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Sears CitiBank Card XXXX XXXX XXXX XXXX XXXX SD XXXX This is how the deceptive practice ( scam ) works.\n1. A customer calls XXXX XXXX XXXX for a service request. The consumer is then offered a special promotion that they are running. In this case Air Duct and Dryer Duct Cleaning for {$180.00}.\n2. On the day of the service, a Searss sales representative shows up unannounced prior to the scheduled service time posing as the supervising technician. He then begins to evaluate the problem and writes up a quote for additional work that he believes you might need.\n3. He then tells the consumer that they will get a 50 % discount on the work quoted ; plus no interest for 18 months, if they do the work today. Right now.\n4. He then turns the quote into an inflated service contract with written-in language that appears to be what he verbally promised. But that the customer needs to do it now since the actual technicians are on their way and he needs to call it in before they get there. They promises that the back office will work out the details later to ensure that you get 50 % off the invoice plus no interest for 18 months.\n5. He then gets your credit card information and quickly leaves. ( Another variation of this scheme is that they take a credit application and approve the consumer on the spot for credit terms that are never fully disclosed at the time. ) 6. A short time later, after they pre-charge your credit card for the full invoice, the actual technicians show up to do to work against the misrepresented contract.\n7. The SOP and MO that these companies operate under is to devise a scheme to coerce consumers into misrepresented contracts and credit agreements and then start the work immediately to circumvent consumer protection laws that allow a customer to cancel a contract within three ( 3 ) days. By starting the work on-the-spot, they are taking advantage of a loop-hole in the law to victimize consumers by locking them into a deceptive ( service performed ) contract before the consumer can detect that they have been scammed. This is especially harmful elderly citizens and unsavvy consumers.\n8. The technicians go through the motion of providing the service. Once they believe that the consumer is on the nook, then XXXX XXXX XXXX precedes to charge for the work that was not completed or completely poorly ( as if it was services performed ) hoping that the consumer can not dispute it otherwise. XXXX XXXX XXXX then collaborates with Sears Citibank to modify the terms of the contract to a 20 % -26 % deferred interest arrangement which was never disclosed on the original contract. The consumer is misled and deceived into believing the terms are no interest only to find out later that they have been a victim of a predatory credit card scam. The scheme benefits the credit card companies that participate since it brings them larger credit card transactions with the opportunity to charge outrageous interest charges to unsuspecting victims using other loop-holes in the credit card agreement.\n9. Multiple calls to XXXX XXXX XXXX and Sears CitiBank Card Services about the issue results in both entities insisting that the work was done and that the service contract can not be cancelled or disputed. Hence attempting to defraud me out $ 1300+ and using the credit card transaction and credit reporting apparatus to extort money from me and other vulnerable consumers including the elderly.\nBackground information about the specific incident that sparked the filing of this compliant : 1. The incident occurred on XX/XX/XXXX in XXXX County, MD.\n2. In my case, I knew about the deferred interest practice. So I had the salesman add a statement on the agreement that is also including no deferred interest. He was very unwilling to do that. However, he did since he needed to leave.\n3. Once the salesman was gone, we detected additional misleading and deceptive issues with the contract and immediately called XXXX XXXX XXXX to cancel the contract which they agreed to do and re-issue a service order for the original work for {$180.00}. This all got finalized just after the technicians arrived but before any work was ever started ; and within hours of when the salesman left.\n4. The customer service representative on the phone said that they would cancel the additional work contract and reissue a service order to the technicians already onsite for the original service order of {$180.00} instead of the $ 1300+.\n5. The technicians did the service ( that would have cost {$180.00} ) poorly and left without providing a service completion sheet that describes the work that they actually did.\n6. The technician phoned in the service order as being completed including the additional work that was never done. By not providing a completion work order acknowledged by the consumer, they can then make the false claim that they did the additional work.\n7. The next day, on XX/XX/XXXX I sent XXXX XXXX XXXX a certified letter at their VA office cancelling the contract and reiterating the fact that the additional work was never performed and demanded a refund of the {$1300.00} charge on the Sears CitiBank Credit Card.\n8. XXXX XXXX XXXX received the letter and called me to get some information about the problem. We reiterated that the additional work was never done and that the original work was done incompletely. The dry air duct remained clogged after XX/XX/XXXX\n9. They agreed to send me the forms to initiate the refund. They also wanted to send a technician out to reassess the dry vent situation which we agreed to. We also reiterated that no additional work was under consideration and that the cancelation of the contract stands. We agreed to allow a technician to come back out to assess the dryer vent only and they agreed to make the refund for the additional charges.\n10. The other technician came out on XX/XX/XXXX to revisit the dryer vent issue. He determined that he could not unclog it due to some unknown reason. He then left. A few minutes later he returned stating that his office wanted him to inspect the areas where the additional work ( AC Coil and AC Blowers ) was located. We refused. We considered this a deceptive attempt by XXXX XXXX XXXX to make a false assertion that they did work that was clearly not done. Or to make it appear that this technician came to do the additional work.\n11. When we refused the technician access to the area and reiterated there was no agreement to anything other than the dryer vent, they then refused to honor the refund promised ; citing that they stand by their original technicians claim that he did the additional work.\n12. A dispute was filed with Sears CitiBank Card Services. The results to-date of this complaint filing is that the charge would stand until XXXX XXXX XXXX decides to refund it ; which implies that Sears CitiBank Card Services is acting as a co-conspirator to this scam by aiding and abetting XXXX XXXX XXXX deceptive practices that victimize consumers.\n13. We have phone logs to document the phone calls made to XXXX XXXX XXXX regarding the cancelation of the contract and the dispute about the {$1300.00} credit card charge.\n14. We also have security surveillance footage from multiple cameras that clearly show what occurred on XX/XX/XXXX It clearly shows that they did not do the additional work that they are attempting the charge for. This footage can be made available to assist in your investigation. XXXX XXXX XXXX has been informed that this evidence exists that definitively shows the work was never done.\nThere are potentially 100s if not 1000s of other consumers that may have been victimized by these deceptive practices. We are asking CFPB to assist us in seek restitution for the financial lost, harm and mental stress this incident has cause us. We are asking CFPB to assist in seeking monetary restitution for other victims of this scam and take appropriate action to protection consumers from these type predatory companies and their deceptive practices.\nWe are also asking the Attorney Generals/District Attorneys in both Maryland and Virginia to consider legal action to protection their citizen from these two entities and other entities that perpetrate these type deceptive practices in their respective States.\nCC : Maryland Attorney General Office of Consumer Protection Virginia Attorney General Office BBB Serving Metro Washington DC and Eastern PA BBB of Greater Maryland", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/2713009", "source": "cfpb", "group_id": "cfpb/896408783abac727da85", "variant": "clean", "length_bucket": "long", "chars": 9162, "company": "CITIBANK, N.A.", "date_received": "2017-10-26", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "896408783abac727da85d55ca1f63375659e6fc8a06bd151b7ba0312158e794a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way.\nSometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact.\nThen the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks.\nIn the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process.\nI have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization.\nIf they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/1883646", "source": "cfpb", "group_id": "cfpb/0e2cc2d04672ef21d171", "variant": "clean", "length_bucket": "medium", "chars": 2452, "company": "ORG GC GP BUYER, LLC", "date_received": "2016-04-17", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Trouble with how payments are handled", "text_sha256": "0e2cc2d04672ef21d171e9c3de972d8c88e51118701475362241cd33e66a6f0d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This citibank is a fraud bank and just trying to grab money from me. I always cooperated with their investigations. I never received any calls from Citibank regarding investigations. Citibank is just trying to put mud on this situation by pulling up two previous small charges disputes for which they gave me complete credits. One was from XXXX for napkins for {$12.00} and the other one from XXXX XXXX for {$45.00}. When I bought the napkins from XXXX for {$12.00} and I came out of the store, there were no napkins in the Bag and when I went back the store refused to provide me with napkins.\n\nSame thing with XXXX XXXX, when I went to the restaurant to pick up the food, they made me sign on the receipt and when I came out of the store, there was no food in the bag. When I received the XXXX anywhere Visa card it was mentioned in the disclosures that I will not be liable for the merchandise I haven't received and fraudulent transactions. Citibank is just trying to shrug of its shoulders. XXXX XXXX didn't even call me from the Executive Response Unit Department. The Citibank company didn't show me any proof that I made the purchase at XXXX.\n\nAnd what is the relationship between XXXX, XXXX XXXX transaction and the XXXX transaction? They also failed in telling me that I need someone to call me from Citibank at my phone number provided and ask any questions they have. I never received any call from citibank asking me any questions, they never did any kind of investigations and just making false stories to make money.\n\nI checked the Citibank Credit Card website and they blocked my Number themselves. When I went to change it, it stated that I can not change it and I need to call customer care. Its been one hour and I am still waiting for any customer care person to help me out. this Credit card company XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3130108", "source": "cfpb", "group_id": "cfpb/b7308ce15ba02f20bcf4", "variant": "clean", "length_bucket": "medium", "chars": 1829, "company": "CITIBANK, N.A.", "date_received": "2019-01-21", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "b7308ce15ba02f20bcf45ee242a63c7f968e3d58c96a6e12e2fbaacf7337b4dc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I bought a dining set XX/XX/XXXX from XXXX XXXX on XXXX/XXXX/2015 using my American Express card. I was told I would receive the furniture within a week. on XX/XX/XXXX, I received an email from XXXX XXXX stating, \" ORDER ID : XXXX Dear XXXX XXXX, Your order has now been shipped from the manufacturer and is currently en route to our delivery company. Generally this process takes about 1 week. Once the order arrives at the local delivery company, they will inspect the order, and delivery time date will be scheduled. '' However, for two weeks, I had n't received the furniture nor had I heard from XXXX XXXX. I called the company and more phone calls followed. On XX/XX/XXXX I received the following email, \" Order Routing ORDER ID : XXXX Dear XXXX XXXX, Good News! Your order is currently being routed for shipment. XXXX, a white glove furniture delivery company, will be contacting you in the coming days to schedule your delivery. We will deliver on the next trip in your area.\n\nShipped with : XXXX XXXX ext XXXX ( XXXX ) XXXX will contact you to set up a date and time for the delivery. If you have any shipping related questions, please contact XXXX at XXXX ext XXXX ( XXXX ) ''. I called XXXX and was told the furniture will be shipped soon. After a week, my wife called and XXXX hanged up the phone. I called and was given the same excuse as before. With no good resolution in sight and my confidence in the company dipping low, I cancelled the order on XXXX XXXX and called American Express disputing the charge. American Express noted the dispute but did n't contact me with the merchant 's response and a satisfactory resolution. When I contacted AMEX, I was told the charges had been re-instated. I disputed the {$280.00} due to me. AMEX again did n't contact me. I contacted AMEX again with the same result. I am very frustrated with both the merchant and the credit card company. XXXX was a XXXX trusted store and had AMEX gotten back to me on time, I could have contacted XXXX to resolve the issue. Now, after eight months, I am still chasing to resolve the issue with AMEX doing a shoddy job.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1874893", "source": "cfpb", "group_id": "cfpb/81901dbe76db57929808", "variant": "clean", "length_bucket": "medium", "chars": 2113, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2016-04-12", "product_raw": "Credit card", "issue_raw": "Billing disputes", "sub_issue_raw": "", "text_sha256": "81901dbe76db579298083a1fd52586fd9b6272b9f128c36f8058bf3e7d099937", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX. XXXX XXXX, XXXX XXXX.\nXXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX I am appealing to you for help regarding repayment of a student loan and the impossible situation that I find myself in.\n\nMy background ; I have been an XXXX my entire life with a majority of time spent in XXXX, XXXX and XXXX XXXX XXXX. At the age of XXXX, I combined my XXXX expertise with my spiritual beliefs and entered XXXX, earning a XXXX Degree in XXXX and being XXXX as a XXXX XXXX XXXX. During my XXXX career I found that basic XXXX XXXX in XXXX was lacking. I watched people not only suffer physically, but emotionally as well. I knew that this decision was to profoundly change the rest of my life but the XXXX XXXX XXXX has been life long.\n\nI now work with the XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX helping people and their families navigate the end of life transition. My personal experiences as well as my broad course of studied has prepared me to provide XXXX support ; XXXX care across multiple faith traditions from indigenous cultures to XXXX, XXXX, XXXX and XXXX. Because of my background I have been able to support the diverse cultures now living in the greater XXXX area : XXXX, XXXX, XXXX, to name just a few.\n\nOf course all of this came at a personal and financial cost. I have student loan debt that is serviced through the XXXX program. Because the XXXX is a 501 ( c ) ( 3 ) non-profit I qualify for the Public Service Loan Forgiveness Program ( PSLF ). Even though the payments are income driven, the amount is based on discretionary income. The federal poverty guideline for location and family size is multiplied by 1.5, This figure is subtracted from your adjusted gross income. The resulting number is then multiplied by 10 % ; then divided by twelve. My initial payment was determined to be {$290.00} based on my 2015 income. After a one time salary increase ( 24 % ) the payments were increased to {$390.00} ( 36 % ) which I can not afford. In the same time interval my mortgage payments increased due to an increase in property tax, my health insurance premiums increased 3 %, utilities increased and I had to replace a vehicle and take on a car payment.\n\nI attempted to renegotiate the payment amount several times. I can manage the {$290.00} a month and emphasized this to multiple loan representatives. Each time the result was the same. The agency would not recalculate my payment. I was told that my only option was forbearance. During a forbearance I could pay the interest on the loan-however, at the end I would in the same situation. If the interest is capitalized the resulting payment is even higher. The loan servicer-XXXX told me even if I kept sending payments in good faith-unless they were the specified amount the money would not be put toward the loan and they would put me into default. If I do not continue monthly payments I will be ineligible for the program. My employer also tried to intervene on my behalf ; however they are limited in what they can do. At this point I know that I will be capped to a 2 % salary increase each year due to the nature of non-profit work. I am now in a truly impossible situation.\n\nWhat I am deeply troubled by is the refusal of the servicer to take any kind of payment. Despite the fact that I could continue to pay my current amount I was informed that it would not be processed and that I would end up in default of the loan. I truly believe this is extortion. I have paid several debts-all XXXX related-by making good faith payments monthly that were agreed upon by both parties. I ask you to help me in this situation. This is the situation that everyone I have talked to with a student loan faces. One solution would be to subtract the borrowers monthly mortgage/rent payment from the discretionary income calculation. My housing expenses exceed 30 % of my income.\n\nI will gladly continue with the prior payments-only if they will be put toward the repayment program. I have currently been forced into forbearance which will only increase my payments and force me into default. I have worked my entire life to do the work I do. At XXXX I should not be forced into poverty.\n\nThank you very much for your time and assistance.\nRespectfully, XXXX. XXXX XXXX, XXXX XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2982941", "source": "cfpb", "group_id": "cfpb/6a944caec454ea6cf4ef", "variant": "clean", "length_bucket": "long", "chars": 4267, "company": "AES/PHEAA", "date_received": "2018-08-03", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Can't get other flexible options for repaying your loan", "text_sha256": "6a944caec454ea6cf4efa673796a5ac4aca376219ed6a629b2665cc2f423af63", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, associated with the email address XXXX. I strongly believe that this limitation has been imposed in error, as I have not knowingly violated any PayPal policies or engaged in any unauthorized activities.\n\nAs a long-standing PayPal user, I have consistently adhered to PayPal 's terms and conditions. I hold great value in maintaining a trustworthy and cooperative relationship with PayPal and am committed to resolving any misunderstandings or concerns that may have led to this unfortunate situation.\n\nI kindly request that PayPal conducts a thorough reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal a misunderstanding or error. I am prepared to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate the inconvenience I am currently facing but would also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have done in the past.\n\nI appreciate your prompt attention to this matter and kindly ask that you commence the review process at your earliest convenience. Should you require any specific documentation or details from my end to facilitate this process, please do not hesitate to inform me.\n\nThank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.\n\nSincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "mobile_wallet_account", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/7864598", "source": "cfpb", "group_id": "cfpb/92ad328fa096b39b64b6", "variant": "clean", "length_bucket": "medium", "chars": 1620, "company": "Paypal Holdings, Inc", "date_received": "2023-11-16", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "92ad328fa096b39b64b6e8f4df31334f23ca7c9d5847afe75708dab6116cb1c7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX XXXX # XXXX information is incorrect, different status information, different balance open date, different information than on one other bureau. This account is not on Equifax report at all. I have requested this be corrected for more than 9 months. Using Factual disputing and billing errors as allowed by the law Transunion should have deleted this from my report. It has been more than 45 days Why is the information still completely different and still reporting inaccurately?\n\nXXXX XXXX- Account XXXXX- This account is still reporting inaccurately and is not uniform or the same as the other bureaus. ONLY this bureau is still reporting inaccuate and incomplete information of this account on the report. Why has this been removed? It has been more than 45 days where I have requested for the information to be uniform across all bureaus.\n\nI have attached the credit report from XXXX, TRANSUNION AND XXXX. TRANSUNION has COMPLETELY DIFFERENT INFORMATION ON THE REPORT THAN THE OTHER BUREAUS. Please help hold them accountable. They must delete inaccurate and incomplete information and compensate me financially for spending more than 9 months requesting the same updates repeatedly.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8374321", "source": "cfpb", "group_id": "cfpb/fe9b5f4468b19ea6cca5", "variant": "clean", "length_bucket": "medium", "chars": 1205, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-02-19", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "fe9b5f4468b19ea6cca50a41b938ef8c8c0969669c7034e43f68fc9b7625f1b1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-domestic, without the UNITED STATES Principal To : XXXX. for XXXX XXXX XXXXXXXX, et al., etc.\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Respondent RE : XXXX XXXXAccount # XXXX Fraudulent Account Balance {$2200.00} To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.Please provide me with the below mentioned items : * The amount you claim the Respondent owes you* An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount* The identity of the original creditor* Confirmation that the account has not crossed the statute of limitation ( SOL ) period* Evidence that you are a licensed debt collector* Evidence of your license numbers and your registered agent.I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.\n\nAlso, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/XXXX under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ) .If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face.It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Also I need all of these fraudulent Inquiries removed from my credit file immediately.\n\nRespectfully, _________________________________ XXXX XXXX XXXX Attorney in Fact", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9614469", "source": "cfpb", "group_id": "cfpb/be5eee0608dc9a0afea7", "variant": "clean", "length_bucket": "long", "chars": 4358, "company": "Experian Information Solutions Inc.", "date_received": "2024-07-25", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "be5eee0608dc9a0afea7b7e1a08721c8b3e8774c2bf83f6379deb00c81806de2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I obtained a loan designated as a personal loan for business purposes in 2021 from BHG but was not provided with final loan documents, nor monthly statements. I do not know how much is left on my loans, what interest has been paid, or any other information because I have never received monthly statements nor access to an electronic version of my statements.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5964345", "source": "cfpb", "group_id": "cfpb/65ef49faea435794589b", "variant": "clean", "length_bucket": "short", "chars": 359, "company": "BANKERS HEALTHCARE GROUP LLC", "date_received": "2022-09-09", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "65ef49faea435794589bc9a86990ab89fb2073fa8b8262057bec37535abd3c38", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a letter from Heartland XXXX regarding my Perkins loan. The letter states that I have till XX/2018 to make a payment or set up a payment agreement or my entire balance will be turned over to a collections agency. I did this today however the company now says it will be turned over to a collections agency anyway. I have completed my responsibilities per the information I had in the letter that I received and I feel the account should not be turned over to an agency. I am going to go through with my Payment agreement so it can not be said that I did not meet the requirements stated in the letter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2779411", "source": "cfpb", "group_id": "cfpb/69f1f870f43c6d542427", "variant": "clean", "length_bucket": "short", "chars": 612, "company": "HEARTLAND PAYMENT SYSTEMS INC", "date_received": "2018-01-11", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "69f1f870f43c6d5424272af5c858172215961afff43bfb44350da3a6b0a56704", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX.\n\nDespite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry.\n\nTo address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry.\n\nRemoval of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( Equifax, XXXX, XXXX ).\n\nEnforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future.\n\nRestitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile.\n\nI appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information.\n\nThank you for your assistance in addressing this issue.\n\nSincerely, XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9293637", "source": "cfpb", "group_id": "cfpb/3cf8be34c23bd157c45e", "variant": "clean", "length_bucket": "medium", "chars": 1684, "company": "EQUIFAX, INC.", "date_received": "2024-06-18", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "3cf8be34c23bd157c45e5261c1e8c68a70b62093784e6da71d1fe1f459452976", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/2020 the bank had a tow truck company stole my automobile. I have given bank promissory note twice. 3-603. TENDER OF PAYMENT.\n\nPrimary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.\n\n( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.\n\n( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3871600", "source": "cfpb", "group_id": "cfpb/820a951873f5ce24944d", "variant": "clean", "length_bucket": "medium", "chars": 1237, "company": "American Credit Acceptance, LLC", "date_received": "2020-09-29", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "820a951873f5ce24944da437a01adb4f9f46e7e7c709714a1fe8584e13a0a752", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "09/27/23 : Income-Driven Repayment Application submitted with spouse 's financial information. The online form versus the PDF \" copy '' included different questions and information.\n\nXXXX : Mohela sent a billing statement for {$2400.00} on Standard Level Plan. My IDR application is still pending.\n\nXXXX : Dear Mohela, My husband and I submitted an IDR application last week via your website. My payment currently states that it is due on XXXX for approximately $ XXXX. We are concerned about the time it will take to process the application because we can not pay that amount. We are trying to get a mortgage and have been denied due to the current monthly amount Mohela states I am required to pay. We are further worried that non-payment of the {$2500.00} will go on our credit report, causing further challenges in our ability to have a home and start a family. We are also concerned because the application that was filled out online vs. the PDF \" copy '' had different questions. In fact, there were many questions that were on the PDF \" copy '' that were not asked in the website version. This also concerns us in that it may lead to an unjust denial of other repayment options, at no fault of our own. My husband put in his information regarding the approximately {$160000.00} in loans he owes and his income, given that I am currently unemployed. XXXX. What is the estimated timeframe for application decisions? XXXX. If the application either isn't reviewed in time or there are complications with the application by XX/XX/XXXX, how will Mohela address this? We sincerely hope it won't just continue charging us while these very important things are held in limbo. Thank you for your time. XXXX XXXX XXXX : Received a generic and confusing correspondence from Mohela that stated, \" WHY WE ARE CONTACTING YOU Your recent request has been received and is expected to be processed within the next XXXX business days.\nACTION BY MOHELA We will review your request and the details of your loan information to determine if the request will be approved, denied for reasons such as not meeting eligibility requirements or the information provided to us is incomplete, or if the request required further review by Federal Student Aid ( FSA ). Notification will be sent to you after your request has been processed.\nACTION BY YOU If your loan ( XXXX ) are suspended through another forbearance or deferment and you are not due for payment, no action is required at this time. However, if your loan ( XXXX ) are in repayment, payment ( XXXX ) remain due, and if you are participating in Auto Debit, this remains active.\nShould your request be denied due to incompleteness, provide the necessary information to us by mail, fax, or upload on mohela.com. If the denial is due to ineligibility and you believe your eligibility has changed, you may reapply by completing and submitting a new request. Please be on the look-out for notification from us for the approval, denial or if the request has been forwarded to XXXX for review. '' My application is still pending and actively due.\n\nXXXX XXXX Dear Mohela, I am writing to you today to request administrative forbearance for my loans due on XXXX XXXX XXXX days from today ). I am requesting this because on XXXX I submitted an IDR application, which included my husband 's loan and income information. Since then, the only correspondence I've received from Mohela was a message stating that it would take XXXX ( XXXX ) days to process. Despite this, my account still states that a whopping {$2500.00} is owed on XXXX This will not be paid because we can not afford it. Because of this, I request to be placed on administrative forbearance until the application is successfully processed and a feasible monthly payment is determined. Thanks. Sincerely, XXXX XXXX XXXX : I logged into my account where there was a generic/unaddressed window that said : Prepare for Student Loan Payments to Restart \" You are currently on an income-driven repayment plan. If your payment is not affordable, you can have your payment recalculated or switch to a different IDR plan at any time. '' This was not an official message to me, so I checked my Mohela account and it still stated that I was on the Standard Level Plan with {$2400.00} due on XXXX XXXX Dear Mohela, I'm writing to you again because my IDR application is still pending and I have not been placed on administrative forbearance, despite payment being due on the Level Plan in XXXX ( XXXX ) days for {$2500.00} on XX/XX/XXXX. This is very concerning. I'm asking again, please place me on administrative forbearance. There was a message when I first logged in stating I was on IDR, yet none of my repayment information is consistent with that. I have received nothing. I understand Mohela is bogged down, but this is ruining lives. Please place me on administrative forbearance while the application is pending. Sincerely, XXXX XXXX XXXX : Dear Mohela, I submitted an IDR application in XXXX and it is pending, yet my account still states I must pay {$2500.00} on the Level Plan in XXXX DAYS. I have requested administrative forbearance multiple times, in addition to the Department of Education advising student loan lenders to place pending applications on administrative forbearance. I demand that action be taken on this matter. If it is not taken prior to being charged the current egregious amount on XX/XX/XXXX, I will seek legal counsel. This will arbitrarily ruin my credit and place even more financial stress on me and my family. Please place my account on ADMINISTRATIVE FORBEARANCE. Sincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7725658", "source": "cfpb", "group_id": "cfpb/e2d3c8a57cb650ed16c8", "variant": "clean", "length_bucket": "long", "chars": 5622, "company": "MOHELA", "date_received": "2023-10-19", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "e2d3c8a57cb650ed16c861e3cf4b79d45d10fa7c5ea4fc60b9d2c6335eda0bba", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX Firstmark reported 90 days of missed payments for a student loan that was transferred to them in XX/XX/XXXX from XXXX XXXX. Firstmark Services initiated repayment status of this loan in XX/XX/XXXX however I did not receive notice of this until I started getting phone calls on XX/XX/XXXX at which point the payments were already 90 days overdue for a balance of {$300.00}. I discussed with Firstmark that I had not received any of their paper mail correspondence and had not received any phone calls or electronic communication until this point, so I had no way of knowing this change in status. I also explained that since I completed my degree in XX/XX/XXXX I should still be in a 6 month grace period until XX/XX/XXXX. I was told varying conflicting information from Firstmark representatives such as I had gaps in my enrollment ( no rep could consistently tell me when the gap was ) and that the 6 month grace period had been used prior to XX/XX/XXXX. They instructed me to contact the XXXX XXXX XXXX to verify my enrollment history and in the meantime I was placed in Return to Grace status on XX/XX/XXXX and told I did not need to worry about the payments or any adverse credit actions. I also provided Firstmark with documentation of my other private loans that were in the 6 month deferment status post degree completion to confirm that other lenders had not reported usage of this deferment status prior to XX/XX/XXXX. After the XXXX XXXX XXXX confirmed there were no gaps in my enrollment Firstmark changed their reasoning of why I was ineligible for 6 month deferment stating it was related to the terms of my loan and unrelated to my enrollment status.\n\nHad I had knowledge of and then failed to pay the balance then I would agree with their action of reporting to the credit bureau however, that is not the case. I am disputing their negative reporting on the basis that it is impossible for a borrower to pay a bill they never received and even more impossible for them to pay it on time. In addition to not receiving the bill I was never notified of the change in loan status and was under the impression I was still in my 6 month grace period that would have initiated upon graduation in XX/XX/XXXX. Firstmark is acting unfairly by reporting late payments despite their knowledge that I did not receive their correspondence and consistently has tried to create loop holes to justify their actions. As a lender they have the responsibility to provide me with accurate and timely information about my loan however every time I call I am told conflicting information regarding this 6 month grace period. When I request documentation of the information they are referencing they can't provide it. My current address has been listed on my Credit Report since XXXX as well as the mailing address I gave them for billing both which Firstmark would have had access to when they ran my credit report in XX/XX/XXXX. Instead they billed an old address from XXXX and made no other efforts to contact me until XXXX. I also have call logs to confirm Firstmark did not call prior to when the bill was already 120 days past due. This company didn't even give me the courtesy of calling me during the time frame when I could have made the payments and prevented negative credit history marks. Even if XXXX XXXX did not pass along that updated information at the time the loan was transferred in XX/XX/XXXX Firstmark made no efforts to verify the address they were billing or make sure it was up to date based on the records and Credit report they had available. For all I know those letters could have ended up at the North pole with Santa. To have my credit affected by a company who knows I did not receive their bills is unfair and frankly unethical. This loan company if nothing else has lost their ability to treat humans as humans and refuses to admit when they make mistakes even at the expense of their customers. If knowingly sending bills to the wrong address and then consistently changing your story about it, is the \" best '' a company can do then they shouldn't be a company.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4883422", "source": "cfpb", "group_id": "cfpb/185fbc0545617135a78a", "variant": "clean", "length_bucket": "long", "chars": 4103, "company": "Nelnet, Inc.", "date_received": "2021-11-05", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Difficulty submitting a dispute or getting information about a dispute over the phone", "text_sha256": "185fbc0545617135a78af88cc0c99759f0be9234b7c9f33684b09f537efef2f8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On Sunday XX/XX/XXXX I began a backpacking trip in XXXX California about an hour out of XXXX XXXX where I live. During that backpacking trip, my car was broken into and my debit card and phone were stolen. I got back to my car on Thursday, XX/XX/XXXX and then realized what had occurred while we were backpacking. This area is very remote and there is no cell service nor cameras so we were very shocked to see the car broken into. We eventually got down the mountain and then attempted to get in contact with the local rangers which who ended up telling us theres not much they can do as theres no way to figure out who it could have been due to the remoteness of the area. I loaded up my old phone once I arrived back at home and then proceeded to check my Wells Fargo account to see that the thiefs had used my phone and debit card to send them all the money in my bank accounts XXXX using XXXX XXXX. I then called Wells Fargo immediately and told them what was going on and after about 1.5 hours on the phone with them and had all the proper claims filed I was told they would be investigating my claims and I would hear back within 7 business days. One of my claims was approved and they moved XXXX $ back into the account but the XXXX $ in XXXX XXXX payments was denied as they said I approved it even though my phone and debit card were stolen. I am left with nothing and this must be resolved as I did everything in my power the second I found out what was going on to get this fixed. Ive been a loyal customer to Wells Fargo since XXXX and have done nothing but be a good customer.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5644848", "source": "cfpb", "group_id": "cfpb/72733ccd87ca79f7628d", "variant": "clean", "length_bucket": "medium", "chars": 1590, "company": "WELLS FARGO & COMPANY", "date_received": "2022-06-07", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "72733ccd87ca79f7628db5af864f5464d164943ccf8f42b791af50a1586d0060", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My student loans were transferred to XXXX from XXXX. I had a rate reduction to 4.3 % while at XXXX for setting up auto payment at graduation.. After the transfer, XXXX set my rate back up to 6.8 %, I have the letter showing the terms of my loan with the rate reduction. I have called several times, they say they ca n't change my rate back to 4.3 % because they did n't get my bank info from XXXX. I have been trying to set up auto pay since XX/XX/XXXX over the phone and by email, it is now XX/XX/XXXX, and my interest rate is still set at 6.8 %. Their customer service is among the worst I have ever dealt with, never rude, just incompetent.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2015687", "source": "cfpb", "group_id": "cfpb/c9183b7903ae415b99f9", "variant": "clean", "length_bucket": "short", "chars": 643, "company": "Utah System of Higher Education", "date_received": "2016-07-17", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Trouble with how payments are handled", "text_sha256": "c9183b7903ae415b99f949a1a259c4ec8b16c2fcae73b73f66392c9ba0df4d90", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX , my daughter, XXXX XXXX , applied for and received XXXX student loans from Citizens Bank in Rhode Island, having been encouraged to do so by her college, XXXX XXXX XXXX XXXX XXXX . I cosigned those loans. Citizens Bank had the loans serviced by XXXX . XX/XX/XXXX , C itizens Bank stripped my accounts ( about {$24000.00} ) without contacting me in any way prior to doing so. I believe that this occurred due to an error on the part of the bank, but the bank will not discuss this with me nor send me any statements of the loan accou nt. XX/XX/XXXX to XXXX XXXX graduated, but was unable to find work in her field, and although she was working, was not able to meet the demands of her student loans including the loans with Citizens. She had no difficulty working with the other loan originators, only XXXX and Citizens.\nShe communicated with XXXX regularly but subsequently we renegotiated the loans with the Access Center at Citizens Bank. That arrangement was $ XXXX /month for each loan totaling {$50.00} monthly without interest. We could not receive written documentation of this.\nXXXX Citizens refused to send statements or give me access to the account because I was not the primary borrower, but I was assured that Citizens would be servicing the loan going forward. I wrote to the President of Citizens bank informing him that the service XXXX provided was less than stellar since I had not received telephone calls that the loan was behind or in default and I would have made payments for my daughter ; and that I was concerned that I would have no access to the account information going forward. I did not receive a reply ; thus, I relied on my daughter to notify me if she was having difficulty, but expected Citizens to notify me of any issues as they had stated during our conversation.\nI subsequently learned that XXXX also had no access to statements or on-line activity and could only make payments by telephone or check. She chose to make monthly payments initially by check but primarily by telephone, but the process was tedious. It generally took her hour each time to provide all the required information for the loan and make her payment from her XXXX XXXX XXXX account since they did not keep her information from payment to payment.\nXXXX to XXXX She made all her payments in full and in a timely fashion. She did this until they offered her an opportunity for automatic deductions from her account duri ng the Fall of XXXX . At that time, she filled in the appropriate paperwork and was happy t o be able to do so. The payments were to begin on XX/XX/XXXX . At the end of that month, o n XX/XX/XXXX Citizens called her as they had not received a payment and told her that sometimes it takes a while to go through. She therefore paid for XXXX and XXXX as per her usual routine ( she was a month ahead in payments ). At that time her balance on one loan was approximately {$7000.00} and the other was {$9000.00}, at least, per what she was told over the phone from the representative. Remember we had no access to see any accountings or statements. On XX/XX/XXXX , XXXX deductions were made from her XXXX XXXX XXXX account, each in the amount of XXXX to Citizens Bank. XXXX noted that the automatic payments were now in effect and was happy.\nXX/XX/XXXX On XX/XX/XXXX , I began my usual routine of paying my bills, when I noticed that my checking account was short approximately {$3000.00}. I queried Citizens bank and learned that a deduction had been made for {$3000.00} from the bank itself! I couldnt imagine how this could happen and was incensed that the bank would take XXXX XXXX dollars without speaking with me. I was livid and proceeded to the bank to investigate the situation. I learned that not only had they taken XXXX XXXX from my checking account, but ~ {$20000.00} from my savings. They had stripped my accounts to XXXX ! The XXXX and money that I had in checking was from my paycheck deposit the prior day. This means that they took the following : Checking : {$2900.00} Savings : {$20000.00} Subsequently, on the same day, we received certified letters. One letter noted that {$2900.00} had been deducted from my checking accou nt on XX/XX/XXXX . T he second letter noted that {$10000.00} had been deducted from my savings account on the same day, and the third letter was to my daughter XXXX , stating that it had set off a loan # XXXX which satisfied all or part of the outstanding debt in the amount of {$10000.00}. Since this was Saturday we could not pursue it further. I was unable to pay my bills. XX/XX/XXXX XXXX and I went to the Access Center in XXXX , RI to discuss this with them. Although we could reach XXXX on the telephone who was in the building we were not able to see him in person, nor were we able to see a statement of the account. He directed us to another telephone number. That person directed us to send a letter, but could not tell us where to send it. All telephone numbers given to us ( there were many ) led to no information.\nWe went to a branch of Citizens and spoke with the Branch Manager, XXXX XXXX . XXXX tried to be helpful, but after many telephone calls, and two pages of notes, she was unable to tell us if the loan is now satisfied, nor provide us with a statement of activity on the loans. She opened case # XXXX , and told us the only thing we could do to see the loan was go to XXXX XXXX . Again, I was enraged to learn that XXXX had been servicing this loan for the second time and inappropriately managed the situation. We tried to access the loan at XXXX but we were unable to do so, although after arguing with them, several days later we could access through a secured site, but were only able to see the activity between XXXX and XXXX when the loan was returned to Citizens Access Center. That information, by the way is inaccurate according to our accountings.\nXXXX also told us that we should send a letter to get a statement, but did not know who to send the letter to.\nOn the same day, my brother wrote a letter on my behalf to XXXX XXXX XXXX , CEO of Citizens bank, stating the situation and requesting an explanation of the actions and contact within 48 hours. I received a call from XXXX XXXX from the Office of the XXXX stating that this was being investigated. I requested a rendering of the account from XXXX to present.\nXX/XX/XXXX I c alled XXXX and left a message requesting an updat e. XX/XX/XXXX I cal led XXXX and left a message requesting an update. Later that afternoon XXXX called me and stated that the bank would not return the money. She would not state that they had even explored the problem, but just that the head of the Debit Management Department had said no. I inquired as to what my next step could be with the bank, and she told me to write a letter ; however, she was unwilling to give me the name of the head of the Debit Management Department who had just said no, nor any other head of department. She could not provide a statement of the loan accounts. I have written a letter to Citizens Band, but Im highly doubtful that I will receive a response.\nTo date I have not received a rendering of the loan, documentation of its discharge, nor any documentation of the remaining {$9900.00} that has been evacuated from my account or the approximately {$3000.00} unexplained disappearance. I also am named on my fathers accounts and fear that they will attach his money. He is XXXX years old. Together, we have been customers in very good standing of Citizens Bank since XXXX .\nThis whole situation is reprehensible! Also, I am sure I am not the only one that this has happened to if one can infer from the comments that have been made during telephone calls. I wish that this matter be resolved in an efficient and satisfactory manner. I have been a customer of Citizens Bank since XXXX , having had mortgages, equity loans, car loans and the like and have never been late with any payment. They never contacted me by any means. I truly do not understand this. Please help me to discover specifically what has happened and recover my money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2576076", "source": "cfpb", "group_id": "cfpb/7b7467766653db4220f6", "variant": "clean", "length_bucket": "long", "chars": 8276, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2017-07-16", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Need information about your loan balance or loan terms", "text_sha256": "7b7467766653db4220f6082f7903b4be0554e9b9725c5e92c0b93d4d81403f44", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Someone called from a collection agency. They said they were from XXXX XXXX. They have me dates of service and wanted my daughters birthday to verify info. I gave it to them. They told me I owed money and they were collecting a debt. I was upset because I thought it was already paid off. They gave me a weird address and I said no, that was a wrong address. I gave them our correct address and they said theyd send me a statement. I hung up.\nThe number that called was XXXX ( XXXX ) XXXX Now Im scared I put my daughter/family in a bad situation Should I be scared??", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/5076981", "source": "cfpb", "group_id": "cfpb/e1d85c099dfa71b9f38e", "variant": "clean", "length_bucket": "short", "chars": 568, "company": "AMCOL Systems, Inc.", "date_received": "2022-01-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "e1d85c099dfa71b9f38e50d60332917ed245d1163ba2c9fc50467e11df6ad0b4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( XXXX XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening 2 new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed previous complaint regarding fraudulent loan approval ( Complaint number : XXXX ) and fraudulent openings of 2 checking accounts ( Complaint number : XXXX ). This report is regarding multiple fraudulent transfer of money.\n\nDetails or transfers will be found in provided screenshot attachments. 1 transfer under checking account ending with XXXX, 1 transfer under checking account ending with XXXX, and 6 transfers/transactions under original account ending in XXXX which I have used since the first opening of citibank account XXXX I believe ) more than 10 years ago created in New Jersey XXXX\n\nAfter realizing the fraud/scam/breach, I started contacting Citibank customer service immediately around XXXX ( XXXX XXXX ) and informed the bank of the situation. I was working with \" XXXX '' from \" unsecured lending account department '' which she relayed the info and transferred me to \" security department. '' This representative transferred me to another department which I was informed that they processed \" blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the \" investigation department '' will contact me for further guidance. I asked multiple times that since \" all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is \" blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted 47minutes. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again at XXXX ( XXXX time XXXX at home to verify and inquire more about what I can do. The 1hour 18minutes of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back. I asked again since the XXXX payments were all in \" pending status '', if that will be reversed or not processed. At that point, the representative informed me that the XXXX payment will not be processed answering my specific question.\n\nI am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. My online banking is \" locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6194678", "source": "cfpb", "group_id": "cfpb/b26e3bb686028a4809d6", "variant": "clean", "length_bucket": "long", "chars": 4183, "company": "CITIBANK, N.A.", "date_received": "2022-11-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "b26e3bb686028a4809d60057aa386309f996282a6b1ec3fcc0f7fb7338bd43b7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have applied for a personal loan and I filled the application online but they sent me a form to fill, this form is for income verification and I had filled the form twice but the representative instruct me to fill the application and I sent the application and they denied my loan because they couldn't verify some information on my application, after citi bank made a hard inquiries on my credit they denied my loan although all my personal information is correct and they have to provide a better explanation for the denial and better customer service.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/10550122", "source": "cfpb", "group_id": "cfpb/b459e6365789d13bda49", "variant": "clean", "length_bucket": "short", "chars": 556, "company": "CITIBANK, N.A.", "date_received": "2024-10-23", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "b459e6365789d13bda49ec385967c1a0c384f5f09a33b6262a777df78b68f06a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX I submitted a complaint ( XXXX ) to the CFPB regarding the incident documented below. Today XX/XX/XXXX I received a notification that the complaint submitted by the CFPB to US bank was rejected because apparently the person who submitted the complaint is an unauthorized party. Given I am the owner of the account and I submitted the complaint via the CFPB, this is not true. From the time I submitted the 1st complaint to now, US bank has returned the {$4500.00} removed from my account. They however have not adhered to their policies of notifying me of status by corresponding with me in 10 business days. They continue to not provide information surrounding the incident and are unable to provide any level of explanation as to whether accounts held with US bank are safe. They continue to refuse to deal with me as the account owner even through a complaint lodged through the CFPB.\n\nOriginal incident reported XX/XX/XXXX : On XX/XX/XXXX while reviewing my checking account on line, I noticed a transaction to the amount of {$4500.00} processed for payment using XXXX money transfer service to an unknown person - XXXX XXXX. I immediately called US bank customer service and reported this was an unknown transaction and while on the line I was advised that the transaction had just occurred within past 40 minutes and that it is possible it could be stopped. While on the call with the representative, I was informed that she was contacting the XXXX department to advise. After a short delay, she returned saying that it was not possible to stop the transaction. She advised that a XXXX incident would be submitted and that she would place an immediate freeze on my account. When pressing for more information, I was advised that since this transaction appeared to have been made using my wife 's login credentials, she would need to call in to get more details. Despite advising that my wife did not have login credentials for this account which is a business account, they insisted that these credentials were in existence and consequently she needed to contact US bank directly. That once she called in they would release the information which she could not share with me. I was also advised to call on my branch and have a new account set up as the current account was frozen. I immediately contacted my wife and asked her to call the customer service number I was provided and provide them whatever information was needed and request further details of what transpired. She called immediately only to be told that they could not verify her identity over the phone and that she should visit a branch. She then within less than an hour called on a US Bank branch located on XXXX XXXX, XXXX Colorado and explained the situation and was referred to a personal who then called US bank XXXX department in her presence. The banker at the branch verified my wife 's identity and she then spoke with a representative in the XXXX Department. She requested more information but was unable to have the person she was speaking to provide any further information. It was revealed at that time that the date of birth which US bank had on file was incorrect and this was what prevented them being able to initially verify identity. She was advised that a XXXX investigation would need to be conducted and a response would be provided by mail in 10 business days. No further information could be provided. She then in the presence of the personal banker at the branch, called me to advise that they would not release further information. She asked the banker at that point to speak with me. At that point the banker said to me she had spoken to their XXXX department and that there was no additional information to share. She advised that once the investigation was concluded in 10 days, they would send a letter with findings. At this point, I was again advised to call on a branch and have my account closed and a new account opened. On XX/XX/XXXX, I with my wife, called on my local branch of US bank located In XXXX on XXXX XXXX, XXXX, Colorado. I spoke with a member of the banking staff - XXXX XXXX and explained the situation advising that there were 2 issues that needed addressing. The 1st confirming my original account was indeed frozen and that a new account needed to be established, the 2nd being addressing the absence of any intelligible information around the XXXX incident reported. XXXX XXXX immediately contacted US Bank XXXX department and spoke to a party there, and attempted to ascertain what had transpired. He was unable to provide any additional information except to say that it was my wife 's credentials that were used to commit the XXXX. When I explained to him that my wife did not have any login credentials for the business account, he advised that these were credentials established when we had a joint personal Home Owner Line of Credit, checking and savings account. I advised him that that account had been closed some time ago and that these credentials, while not known to my wife at the time the account was active, should nevertheless have been cancelled anyway as the account was closed and in addition never associated with my company account. He advised that there was little he could do and that the issue was being investigated, and we would be informed of the outcome in 10 days. At this time, I expressed concern that other login credentials may exist on my account and requested that the account be checked in the presence of my wife and I. During the process we advised of the incorrect birth date on US banks systems, to which he offered to correct. At this point we were shown the computer screen of her personal details and were shocked to see that they had unknown email, and mobile phone number on my wifes profile. A photo of this screen was taken for my records. At this point we requested that no changes be made, and this be preserved in to ensure it would interfere with their XXXX investigation. We asked that all login credentials for the account apart from 3 be locked or cancelled. Several stale/old/unknown Login IDs were identified and removed. XXXX confirmed that all was in order and that we would hear from US bank in 10 business days.We subsequently set about opening a new bank account, transferring most of the cash from the old account into the new. We also cancelled credit cards and debit cards and initiated process for reissuing new ones as a precautionary measure. On XX/XX/XXXX I submitted an online query on status of the XXXX incident reported, and as of XX/XX/XXXX had not received a response. I consequently called into the XXXX department number ( phone recording available ) only to be advised that there was no open XXXX incident. The the incident reported was closed on XX/XX/XXXX as the incident occurred with my wifes credentials and she need to report it. That no further details could be provided given to me given this was for my wife to address. I explained that we had been through all this and that my wife had been communicated with earlier, in the physical presence of a banker while talking to XXXX department. I further explained that this account, in any case was owned by me and that my wife should not have login credentials associated with it. The agent again said that since this was a XXXX incident involving her that she would need to call in. I advised my wife was with me and she could speak to him now and do whatever he now felt necessary. My wife went through his verification process after 1st informing him that her birth date details on their system are likely incorrect. He requested telephone number we were calling from and for her to login in get last transaction details. She advised she has no login credentials but that I was logged in, and we provided him the details of the last transaction as requested. He successfully verified her and went about informing her that there was no XXXX incident opened and that all he could do was open one now. Exasperated she provided details requested and disconnected without further dialog. Shortly after this call, ( approx. XXXX ) I contacted my US Bank branch from my cell phone ( no recording ) and explained the situation to XXXX XXXX XXXX the banker who had assisted us on XX/XX/XXXX at our branch. I expressed my totla amazement at the response and my dissatisfaction to how this was being handled. He confirmed that when he helped us in person on XX/XX/XXXX, all was in order and that the matter was being addressed. He expressed that he felt the representative my wife and I had spoken to did not have complete details and he would call to find out what the status is and get back to me. XXXX later called back XXXX recording available ) and advised he had escalated the situation, and it was now back on track. He was not able to provide any further details apart from advising that the amount of {$4500.00} will provisionally be returned to my account. I asked him whether the incident had in fact fallen through the cracks and incorrectly closed out. He was not able to confirm but did say that it had been impacted by this being my wifes credentials and they were waiting for a contact from her? I asked explicitly whether they had no record of my wife 1st calling in on her own and then later in the presence of 2 bankers ( 1 being him ). He was not able to provide any explanation or detail of this. I again stated that I believe no action is being taken and stated as the owner of the account they are obliged to communicate with me. I expressed my dissatisfaction that they had likely compromised my account through a breach on their side and were now evading taking action to rectify. I reminded him that I had discovered this XXXX transfer within 40 minutes of it occurring, and that XXXX being a person to person transfer service, it should have been exceedingly easy to identify who the amount was transferred to ( or at least the bank account ), and to reverse or cancel the transaction. Their procrastination and incompetent handling in acting on this is was unacceptable. He advised that we should wait for the {$4500.00} to be reversed into my account and the official notification letter to be sent. A week or so later on XX/XX/XXXX at approx XXXX, My wife received a voicemail to call XXXX XXXX at US bank. When she called approx 20 minutes later she was asked a series of questions surrounding the incident. ( Recording Available ). The questions XXXX set about asking sounded very much like questions asked when reporting a XXXX Incident. She answered the questions and disconnected at approx XXXX. Later on the same day I saw that XXXX called and left VM for me as well to call him. Called and talked through a series of questions and scenarios. ( Recording Available ) On XX/XX/XXXX after still having not been contacted by anyone at US bank for 12 days with missing funds still not being returned and no letter received, I called my Branch and left a VM for XXXX XXXX the banker who has been assisting us. XXXX returned my call at approx. XXXX to advise he had heard nothing and also confirmed that funds had still not been returned to my account. He advised he will contact the responsible person in their XXXX Department to solicit status. While XXXX has been exceedingly helpful this situation is clearly not being adequately addressed despite his efforts. I feel that US bank is mishandling this incident for going on 1 month and evading acceptance of responsibility. They initially closed out the XXXX incident 1st reported despite all efforts to conform with their requests. They have failed to provide a information, reversal of funds or a letter after 10 days of reporting despite this being their policy. It is clear that while we have attempted to report this matter on multiple occasions they are not addressing the situation at all. Photos of computer screens along with voice recordings of phone calls are available if needed.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "unauthorized_transactions", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/2970984", "source": "cfpb", "group_id": "cfpb/45ac97eb24ac9317bdd1", "variant": "clean", "length_bucket": "long", "chars": 11944, "company": "U.S. BANCORP", "date_received": "2018-07-23", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "45ac97eb24ac9317bdd17fe79408ddbd48082a879e24018150eb085311249c49", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I went on the \" XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy.\nI attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3243227", "source": "cfpb", "group_id": "cfpb/969e320ebabf2e368bca", "variant": "clean", "length_bucket": "short", "chars": 514, "company": "General Motors Financial Company, Inc.", "date_received": "2019-05-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "969e320ebabf2e368bca6fdb96a33780aa695b9781611ad34558399f1f3a23f9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Upon balancing my account on XXXX, I noticed check # XXXX that I had written for {$500.00} to the XXXX as a wedding present was only paid out in the amount of {$5.00}. I immediately called Chase Bank about the error. They were not able to tell me if the XXXX received {$5.00} or the correct amount of {$500.00} and told me to contact the XXXX XXXXo find out. Upon contacting them, I found that they had only been paid out {$5.00} to their account. I called Chase back and was told that they would transfer the remaining {$490.00} owed to the XXXX and that the XXXX should have that money in their account in XXXX hours. On XXXX, {$490.00} was deducted from my account. On XXXX, I again reached out to the XXXX to see if they had received the {$490.00} and was told that they had not. So I again made a call to Chase bank and was transferred to claims/disputes. After several transfers, I was finally connected to a supervisor named XXXX in Claims. She contacted the Claims Department for Checks and was told that the money had not yet transferred to the XXXX as I had been promised and would not be transferred for another day or XXXX. Having been told XXXX false dates regarding this transfer, I asked if we could stop this transfer from happening so that I could take care of this on my own using a different means of payment to the wedding couple. I was already humiliated that I had had to bother the newly married couple about my gift XXXX times asking them to research this deposit. The supervisor XXXX talked to the Claims ( check ) person again and was told we could stop the transfer to the XXXX. I asked for proof of this transfer stop payment and was given # XXXX. I was told the {$490.00} would be back in my account in XXXX hours. On XXXX, I noticed the {$490.00} was not back in my account as promised and called Chase Claims again ( XXXX. ) I spent XXXX XXXX hours on the phone with Claims being disconnected twice, put on hold indefinitely, and transferred. I spoke with XXXX, Supervisor XXXX who hung up on me, XXXX, XXXX who hung up and XXXX ( a supervisor I was incorrectly transferred to who was in retail. ) On XXXX after being frustrated with the misinformation and disconnections, I called the branch where I opened my checking account in XXXX Ohio and XXXX with XXXX. She started a XXXX way conversation with a supervisor in Claims/Disputes for checks, named XXXX. XXXX said the money was in the XXXX account and that the transfer was not stopped as I had been told. She said she would start an escalation to reverse this and return the money to my account. XXXX said she would talk to her XXXX to start an additional escalation through their branch escalations and get back to me. Not hearing back from XXXX, I called the XXXX XXXX XXXX XXXX on XXXX. She told me to give it XXXX more days and I would for sure here from someone regarding these escalations. On XXXX after still hearing nothing, I called back to the XXXX Ohio XXXX and spoke to XXXX. She told me she was even frustrated with this. She also blamed me for not having Private Banking which she assured me that it would have all been handled better. I also was told it was my fault for even investigating the error and that I should have waited for the recipient of my {$500.00} check to notice they were not paid the proper amount. On XXXX, I again reached out to the XXXX for the third time and learned that the {$490.00} was still not in their account despite being told by multiple Chase employees that it was there. On XX/XX/14, I called Claims/Checks again and was connected to a supervisor in Chase Claims escalation named XXXX told her the {$490.00} deducted from my account was missing and not in the XXXX account as I was told. She told me there was nothing more they would do. I asked for some type of proof that the money had been transferred to the XXXX Bank so that the XXXX could call their bank and look for this misplaced money. She said she would not do that .How and why would the bank not be able to show me proof that this money they took from me was actually transferred as they said. I asked to speak with her supervisor and she hung up on me. When I contacted the XXXX XXXX, she said she would not do anything more to help and I need to talk to Claims. Throughout all of these conversations and escalations, I kept asking for something in writing such as an email to confirm what they had told me, but they said that is not their policy. I was told wrong information by Chase employees on phone calls multiple times which has resulted in me losing {$490.00}. Despite advising me incorrectly over 3 times, they will take no financial responsibility.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6205460", "source": "cfpb", "group_id": "cfpb/53722274ff745093b5e3", "variant": "clean", "length_bucket": "long", "chars": 4658, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-11-16", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "53722274ff745093b5e307bd05015636644b8c6b7a64a1c8b92174e5a882590d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I C System is collecting on a XXXX account in the amount of {$1700.00}. I noticed this on my credit report and I hadn't receive a notice. I called the collection agency on XXXX spoke with the first rep XXXX employee # XXXX XXXX was requesting a validation of the debt since it was in collection. He stated that he couldn't provide validation of debt he could only provide a verbal authorization, the second rep I spoke with XXXX employee # XXXX and she pretty much said the same thing. I then sent 3 letters certified. The first on XX/XX/2022 asking for validation of debt and another on XX/XX/2022. The last one was on XX/XX/2022. Attached is the information from the debt collector which is uploaded. The collection agency did not follow the XXXX notice of debt validation on the letter sent from them on XX/XX/2022. Please review.\n\nclear for me to understand ; I was also told to print the information off on their website which I provided a copy of. The name they have is XXXX XXXX it supposed to be XXXX XXXX XXXX That was another issue that isn't followed on the cfpb guidelines and there was not an itemization of a letter sent to me from the company per the model that wasn't followed", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/6170471", "source": "cfpb", "group_id": "cfpb/9b6cfed65dfc1280a513", "variant": "clean", "length_bucket": "short", "chars": 1193, "company": "I.C. System, Inc.", "date_received": "2022-11-05", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "9b6cfed65dfc1280a513f1ac586506d4b32c37bd629dde28b3452690982b04c8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is \" legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/4209011", "source": "cfpb", "group_id": "cfpb/dc12d55552577ea17864", "variant": "clean", "length_bucket": "short", "chars": 754, "company": "GOLDMAN SACHS BANK USA", "date_received": "2021-03-13", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "dc12d55552577ea178643535bd0732eff1fa541619ee0423422040f173bac828", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX Capitol One restricted my accounts stating that there was fraudulent active and requested information would be required to reinstate. That information consisted of a state-issued ID, copy of the front and back of social security card, and utility bill in their name. Those authorized users that I added were my XXXX sons and aunt. I called and spoke with a rep, it was advised that without the requested documents the account would remain restricted. I expressed my concerns with them.\n\n1. This information was not requested from me to enter the contract with Capital One credit card.\n\n2. As the account holder, I am held responsible for all charges that are made by those I add to my account, their personal information should not be required.\n\n3. XXXX of my sons that were added were under XXXX, do not have utilities in their name as they live at home, and do not have state-issued IDs. Neither of them has jobs nor driver licenses. Two of the three things requested are not available to provide.\n4. They had a security breach in the summer of XXXX I was never notified yet, they are requesting that images of sensitive information be uploaded to their website.\n5. The inconsistencies of their policies. My wife also has an account with them and her account was restricted for the same reason and was able to call and provide verbal details to have her account reinstated.\n\nWhen I advised that I was not comfortable providing those details, I ask for them to be removed from the account as authorized users. At that time it was advised that they would not be able to remove them since they were added the requested information is required or the account would remain restricted. After trying to compromise by just removing them or providing the requested information for myself alone. Again, I was told that was also not an option as this is their policy.\nMy wife was able to call in and provide verbal details for each of the authorized users to have her account restricted. Also, she and I have been authorized users on a family friend 's card for over 2 years and have never been requested to provide the \" required '' information, nor has her account ever been restricted by adding us.\n\nI received a letter from Capital One on mid-XXXX XXXX, that stated if this issue was not resolved then both of my accounts would be closed. I again, called on XX/XX/XXXX to try to resolve this issue by reexpressing my concerns and to have the authorized users removed from the account. The last rep that I spoke with was XXXX ( rep ID # XXXX ) he stated that they couldn't be removed. At this point, my wife and I were both speaking to him on speakerphone. She stated that she added the same three people to her account on the same date and her account was also restricted. However, she was able to call, speak to a rep, provide the socials, date of birth, and address. Once she gave that information her account was reinstated on XX/XX/XXXX and has been active since.\nXXXX stated he would look over the account and see what he could do. In the background, there was what sounded like a child speaking and an adult voice. I expressed concern regarding the privacy of my financial information and was place on hold for him to research what could be done to resolve this issue.\nUpon his return, he stated that the requested information is still requested as that is the policy. XXXX also advised that my wife 's account was now restricted again as it was reinstated incorrectly. For 10 months her account was unrestricted, they have collected interest from her on a monthly basis and did not suspect fraud on the card at any other time, even when used out of state for the first time. XXXX was not provided identifying information from my wife to access her account only her name. When we ask to speak to a manager he stated that he was as high up that we could speak to and if we wanted to talk to someone else we would have to call back in. I ask for the call ID for this conversation, he stated that they do not have those and that he could provide a case ID # XXXX We explained that we have tried to verbally verify the authorized users, remove them, and provide our information. Again, when I entered the contract with Capital One I became responsible for any and all transactions that were made on these accounts. Capital One did not need this information to open an account and give me access to credit. These accounts being closed will be unjust and their actions are inconsistent and unreasonable and as a result, my credit will be directly affected. Also, even after the accounts were both restricted both were paid down to a zero balance. I have never had a late payment, I have always paid more than the minimum balance and been responsible for my account 's transactions.\n\nThe last four of the account numbers that are being affected are XXXX -QuickSilver and XXXX Quicksilver. case ID # XXXX Thank you for any assistance you can provide and please advise what is the outcome once available.\n\nXXXX XXXX,", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3828855", "source": "cfpb", "group_id": "cfpb/0634c747368ac54e7819", "variant": "clean", "length_bucket": "long", "chars": 5032, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2020-09-03", "product_raw": "Credit card or prepaid card", "issue_raw": "Trouble using your card", "sub_issue_raw": "Can't use card to make purchases", "text_sha256": "0634c747368ac54e7819a6346188ac44c34ccebfa458b51b57343d77b165e0df", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, a wire of XXXX was sent in error to a XXXX XXXX account instead of going to a Wells Fargo account. A claim was opened on XX/XX/XXXX case number XXXX. It was initially stated that the claim would take XXXX business days. During the time calls were made to follow up and all times I was told the case was still being investigated and attempts were being made to XXXX XXXX to have the funds recalled.\nThe case closed XX/XX/XXXX and on XX/XX/XXXX a final call was made and I was told the case was closed and all attempts to have the funds recalled were unsuccessful and I should reach out to the beneficiary to try and have them return the funds. After explaining to them that I don't know who the beneficiary was and that is why I was asking for the funds to be recalled. The only other solution was given was to go into XXXX of the XXXX locations and receive a wire transfer confirmation which would state the beneficiary information and try to go to XXXX myself and have it resolved. I think this is unacceptable and would like to see what other options I have please.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9418083", "source": "cfpb", "group_id": "cfpb/3237ee36d1c5e9e768ea", "variant": "clean", "length_bucket": "short", "chars": 1084, "company": "WELLS FARGO & COMPANY", "date_received": "2024-07-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "3237ee36d1c5e9e768eaa2f8b51bde1451291fd41321103043e0522cb52d6b24", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "account # XXXX address XXXX XXXX XXXX XXXX XXXX ca XXXX. Appeal loan modification decision.\n\nWe are appeling select portfolio services decision on our loan modification.\n\nWe completed all Loan modification paperwork and submitted all paystubs and all necessary paperwork that sps needed to complete our loan modification.\n\nSps did not complete loan modification they say they did not have all paperwork and we turned in all necesary paperwork in the month of XX/XX/XXXX.\n\nAlso SPS has not completed ourqualified written request* multiple request have been sent to them.\n\n* As of XXXX time XXXXXXXX XXXX Sps mortgage have not completed our qualified written request * * Request # 1 was sent XX/XX/XXXX XXXX XXXX * * Multiple request have been sent Since XX/XX/XXXX * Dear Madam or Sir : I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. Please treat this letter as a \" qualified written request '' under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).\n\nI am writing to you to complain about the accounting and servicing of my mortgage and my need for understanding and clarification of various charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of my loan from its origination to the present date. To date, the documents and information I have, that you have sent me, and the conversations with your service representatives can not answer my many questions.\n\nIt is my understanding that your company has been accused as engaging in one or more predatory lending and servicing schemes. As a citizen, I am extremely concerned about such practices by anyone, let alone my own mortgage company or anyone who has held a beneficial interest in my QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 2 of 8 loan. I am concerned that such abuses are targeting the uneducated and uninformed consumer and disadvantaged, poor, elderly and minorities.\n\nNeedless to say, I am more concerned as an alleged borrower. I am worried that potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have negatively affected my credit rating, mortgage account and/or the debt or payments to which I am legally obligated.\n\nBecause of this and other reasons that leave me to believe that I may be a victim of predatory lending, I am disputing the validity of the current debt you claim I owe. By debt I am referring to : 1. The principal balance claimed owed ; 2. My calculated monthly payment, 3. Calculated escrow payment 4. And any fees claimed to be owed by you or any trust or entity you may represent.\n\nI have reason to believe that the loan terms were misrepresented to me at the time of application and further obscured and/or modified prior to signing. I believe that my income may have been inflated on the application. I also have reason to believe that certain statements were not provided for my approval prior to closing, and that signatures may have been forged on various documents. It is also my belief that certain documents may have not been presented at all. Additionally, I believe that a notary was not physically present to witness my signatures on several pertinent documents and that I was ill advised at the time of closing.\n\nTo independently validate my debt, I need to conduct a complete exam, audit, review and accounting of my mortgage loan from its inception through the present date. Upon receipt of this letter, please refrain from reporting ANY negative credit information [ if any ] to any credit-reporting agency until you respond to each of my requests.\n\nQUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 3 of 8 I also request that you kindly conduct your own investigation and audit of my account since its inception to validate the debt you currently claim I owe. I would like you to validate this debt so that it is accurate to the penny!\nPlease do not rely on previous or current servicers or originators records, assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account.\n\nI understand that potential abuses by you or a previous servicer could have deceptively, wrongfully, unlawfully and/or illegally : 1. Increased the amounts of my monthly payments 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged and/or collected fees, expenses and misc. charges I am not legally obligated to pay under my mortgage, note and/or deed of trust. 7.\nI am thinking about contracting the Home Owners Foreclosure Hotline and/or one of their affiliates to perform a forensic document review of your investigation and audit of my account. To help me decide if I am going to move forward with a third party auditing company, I need : ( 1 ) copies of all documents pertaining to the origination of the alleged mortgage and note including my loan application ( s ), Right to cancel, deed of trust, note, adjustable rate note, addendum to the note for the interest only payment period, truth in lending statements, good faith estimate ( GFE ), HUD 1, appraisal, and all required disclosures and rate sheets QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 4 of 8 associated with this transaction for the above referenced loan. The copies should be legible and all documents shall be copied in their entirety.\n\n( 2 ) A copy of the loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the ENTIRE life of the loan.\n\nI want to insure that I have not been the victim of such predatory practices.\nTo insure this, I will be authorizing a thorough review, examination, accounting and audit of my mortgage LOAN # XXXX by a team of mortgage auditors predatory lending experts, consumer advocates, local non-profit agencies, compliance consultants and if needed LEGAL ADVOCATES. This exam and audit will review my mortgage loan file from the date of my initial contact, application and the origination of my loan to the present date written above.\nAs such, please treat this letter as a Qualified Written Request under the Real Estate Settlement Procedures Act, codified as Title 12 2605 ( e ) ( 1 ) ( B ) ( e ) and Reg. X 3500.21 ( f ) 2 of the United States Code as well as a request under Truth In Lending Act [ TILA ] 15 U.S.C. 1601, et seq. RESPA provides substantial penalties and fines for non-compliance or failure to answer my questions provided in this letter within sixty ( 60 ) days of its receipt!\n\nIn order to conduct the examination and audit of my loan, I need to have full and immediate disclosure including copies of all pertinent information regarding my loan. The documents requested and answers to my questions are needed by myself and my experts to insure that my loan : 1. Was originated in lawful compliance with all federal and state laws and regulations including, but not limited to RESPA, TILA, Fair Debt Collection Act, HOEPA and other laws ; 2. That any sale or transfer of my loan was conducted in accordance with proper laws and was a true sale of my note ; QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 5 of 8 3. That the claimed holder in due course of my promissory note and/or deed of trust is holding such note in compliance with State and Federal laws and is entitled to the benefits of my payments ; 4. That all appropriate disclosures of terms, costs, commissions, rebates, kickbacks, fees etc. were properly disclosed to me at the inception of my loan ; 5. That each servicer and/or sub-servicer of my mortgage has serviced my mortgage in accordance with the terms of my mortgage, promissory note and/or deed of trust ; 6. That each servicer and sub-servicer of my mortgage has serviced my mortgage in compliance with local, state and federal statutes, laws and regulations ; 7. That my mortgage loan has properly been credited, debited, adjusted, amortized and charged correctly ; 8. That interest and principal have been properly calculated and applied to my loan ; 9. That my principal balance has been properly calculated, amortized and accounted for ; 10. That no charges, fees or expenses, not obligated by me in any agreement, have been charged, assessed or collected from my account ; As such, please send to me, at my address above, copies of the documents requested below as soon as possible. Please provide me copies of : 1. All data, information, notations, text, figures and information contained in your mortgage servicing and accounting computer systems including, but not limited to XXXX or XXXX XXXX system, or any other similar mortgage servicing software used by you, any servicers, or subservicer of my mortgage account from the inception of my loan to the date written above. 2. All descriptions and legends of all Codes used in your mortgage servicing and accounting system so that the examiners, auditors and experts retained to audit and review my mortgage account may properly conduct their work. 3. All assignments, transfers, allonges, or other document evidencing a transfer, sale or assignment of my mortgage, deed of trust, promissory note or other document that secures QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 6 of 8 payment by me to my obligation in this account from the inception of my loan to the present date including any such assignments on MERS. 4. All records, electronic or otherwise, of assignments of my mortgage, promissory note or servicing rights to my mortgage including any such assignments on MERS. 5. All deeds in lieu, modifications to my mortgage, promissory note or deed of trust from the inception of my loan to the present date. 6. The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of my account for payment of any monthly payment, other payment, escrow charge, fee or expense on my account. 7. All escrow analyses conducted on my account from the inception of my loan until the date of this letter. 8. The front and back of each and every canceled check, draft or debit notice issued for payment of closing costs, fees and expenses listed on my disclosure statement including, but not limited to, appraisal fees, inspection fees, title searches, title insurance fees, credit life insurance premiums, hazard insurance premiums, commissions, attorney fees, points, etc. 9. Front and back copies of all payment receipts, checks, money orders, drafts, automatic debits and written evidence of payments made by others or me on my account. 10. All letters, statements and documents sent to me by your company. 11. All letters, statements and documents sent to me by agents, attorneys or representatives of your company. 12. All letters, statements and documents sent to me by previous servicers, sub-servicers or others in your loan file or in your control or possession or in the control or possession of any affiliate, parent company, agent, sub-servicer, servicer, attorney or other representative of your company. 13. All letters, statements and documents contained in my loan file or imaged by you, any servicer or sub-servicers of my mortgage from the inception of my loan to present date. 14. All electronic transfers, assignments, sales of my note, mortgage, deed of trust or other security instrument.\n\nQUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 7 of 8 15. All copies of property inspection reports, appraisals, BPOs and reports done on my property. 16. All invoices for each charge such as inspection fees, BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense, which has been charged to my mortgage account from the inception of my loan to the present date. 17. All checks used to pay invoices for each charged such as inspection fees, BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense which has been charged to my mortgage account from the inception of my loan to the present date. 18. All agreements, contracts and understandings with vendors that have been paid for any charge on my account from the inception of my loan to the present date. 19. All loan servicing records, payment payoffs, payoff calculations, ARM audits, interest rate adjustments, payment records, transaction histories, loan histories, accounting records, ledgers, and documents that relate to the accounting of my loan from the inception of my loan until present date. 20. All loan servicing transaction records, ledgers, registers and similar items detailing how my loan has been serviced from the from the inception of my loan until present date.\n\nPlease provide me, with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter.\n\nCopies of this Qualified Written Request, Validation of Debt, TILA and request for accounting and legal records, Dispute of Debt letter will be sent to FTC, HUD, ALL RELEVANT STATE AND FEDERAL REGULATORS ; CONSUMER ADVOCATES ; AND MY CONGRESSMAN if any further evasive actions are detected or this matter is not settled.\nIt is my hope that you can answer my questions, document and validate my debt to the penny and correct any abuses or schemes uncovered and documented. I would like to have validation that the QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 8 of 8 foreclosure process has been put on hold or will be extended until all of my request have been satisfied. Please provide for me an answer at the same time that you acknowledge my request within 20 business days.\nSincerely, Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca, XXXX # Account XXXX XXXX XXXX ... ..dateXX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... .. Signed by Home owner *XX/XX/XXXX XXXXXXXX XXXX* CC XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington, DC. XXXX Government & Industry Relations XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Washington, DC XXXX Office of RESPA and Interstate Land Sales Office of Housing, XXXX XXXXXXXX US Department of Housing and Urban Development XXXX XXXX XXXX, XXXX Washington, DC XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2890390", "source": "cfpb", "group_id": "cfpb/0e8e68d6529233db60ee", "variant": "clean", "length_bucket": "long", "chars": 15064, "company": "SELECT PORTFOLIO SERVICING, INC.", "date_received": "2018-04-28", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "0e8e68d6529233db60eefb1016ba3ac824c86cb8635e5e1a16b0911ff6e6dfa9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "TruHome Solutions , LLC is my mortgage company. On XX/XX/XXXX XXXX XXXX did an Annual Escrow Account Statement Disclosure. TruHome Solutions did not receive my homeowner 's renewal policy nor did they let me know they did not receive until I brought it to their attention on my phone call to them on XX/XX/XXXX. Then I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that they did not receive my insurance renewal notice. On XX/XX/XXXX I brought to XXXX XXXX attention that they underestimated my insurance by {$1500.00}. That is when they stated that per Fl. Statue blah, blah, blah they had to run that disclosure when they did without the insurance renewal notice. I asked them to run another Annual Escrow Account Statement Disclosure after I emailed them my insurance renewal notice plus had my insurance company email it to them per the email address TruHome Solutions gave me. I called them numerous times up til today XX/XX/XXXX. I have recorded conversations with TruHome that I asked permission to record them which they said yes everytime. On XXXX I mailed out a check for {$900.00} which they did not apply to my escrow account until XX/XX/XXXX. I also called TruHome on XX/XX/XXXX and gave them a phone payment of {$1000.00} to my escrow account which they applied on XX/XX/XXXX. By the way they sent me a check for {$85.00} on XX/XX/XXXX saying I had too much in my escrow account which I did not. So now TruHome puts my mortgage payment down to {$860.00} for XXXX payment. Then for XX/XX/XXXX I get a Mortgage statement dated XX/XX/XXXX with the amount due {$1100.00}. Then I get another Mortgage Statement dated XX/XX/XXXX with the amount due {$2000.00}. So I called TruHome today and was very upset because I am on disabliity and only make half that amount. It would take both my income and my spouse 's income to make the mortgage payment let alone living period. Now on the phone TruHome said that they ran another Disclosure Statement and I should be receiving it in 10-15 days. Well, first they applied {$290.00} to my escrow account which I paid in XX/XX/XXXX ; then they took off the same amount saying it was a misapplication reversal. Also they did not apply my payment of {$860.00} total for XX/XX/XXXX which I paid. Can you, please, help me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/6611461", "source": "cfpb", "group_id": "cfpb/db83b8a25655eb4f11ec", "variant": "clean", "length_bucket": "medium", "chars": 2289, "company": "TRUHOME SOLUTIONS, LLC", "date_received": "2023-02-24", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "db83b8a25655eb4f11ecb7370c12ebce160fb67a26de738c1f7a5f83f347f388", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Shellpoint \" XXXX XXXX '' financial, authorized a ACH withdrawal from my XXXX Checking account in excess of {$3200.00} without my knowing. I made a simple online payment, which I have done every month for several years, where the payment amount is pre-selected as the minimum payment due. The process to pay is very simple and straightforward. There is no keying in of any numbers or information. My banking information is saved and the amount is pre-selected for me. I click submit and the payment goes through for the minimum monthly payment.\n\nFor reasons Shellpoint can not explain, an amount in excess of {$3200.00} was drafted from my checking account. I have issued a stop payment through my bank at my expense. I have incurred an overdraft penalty at my own expense. I am likely to incur additional financial penalties from other bills that were pending due to this excessive draft wiping out my entire checking account balance. Shellpoint has repeatedly offered no meaningful explanations and admits no wrongdoing of their own. They have confirmed, that the only way to pay additional money is by entering that amount in a separate field which I certainly didn't do. I am not here to argue, I am here as a customer who is a victim of this company. I want my voice heard. This mortgage company was a treachery from the beginning when I bought my home ( for reasons I won't go into ). They should be out of business, period. Not only have I never missed a payment, I paid my mortgage throughout my bankruptcy after dealing with a very difficult divorce. Shellpoint has no right, in my opinion, to hold on to these funds for any period of time. The payment should be void and cancelled, end of story. It is my right and my duty to warn other consumers, through this complaint, that Shellpoint \" XXXX XXXX '' XXXX is not to be trusted with online transactions.\n\nShellpoint \" XXXX XXXX '' has no meaningful response or explanation at this time. Company is making me go through a process to refund my money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2894346", "source": "cfpb", "group_id": "cfpb/dd5f26936f244fe37195", "variant": "clean", "length_bucket": "medium", "chars": 2012, "company": "Shellpoint Partners, LLC", "date_received": "2018-05-03", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "dd5f26936f244fe37195449d0dec8258e527a21809777fa409ce3ec55cb668cb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am filing a complaint against Regions Bank due to a late payment they have reported.\n\nThis late payment, which has significantly impacted my credit score, was a result of a systemic error in Regions Bank 's autopay feature and inadequate alert system.\n\nOn XX/XX/XXXX, I received a call informing me that my credit card payment was XXXX days past due. Upon investigation, it was determined that I had mistakenly selected \" savings account '' instead of \" checking account '' while setting up autopay, even though I provided the correct account and routing numbers for my checking account. Their website is difficult to navigate, making setting up automatic payments difficult. I had to phone Regions for help setting up this feature. They walked me through the process and when I mentioned that I couldn't remember if the account and routing I was adding were for my checking or savings account, I was told that the most important thing was to be certain I was entering the correct numbers for the account and routing, making me believe it didn't matter if I checked the XXXX XXXX marked \" checking account '' or \" savings account ''.\n\nRegions Bank 's system did not detect this error, leading to a failed payment attempt.\nDespite having ample funds in my Regions checking account to cover the payment, I was not alerted to the issue until XXXX days had passed. This delay in notification could have been prevented if Regions Bank had a proper alert system in place, similar to other credit card companies. The lack of such an alert system directly contributed to the late payment being reported to the credit bureaus.\n\nOver several phone calls with various Regions Bank departments, I encountered numerous challenges and received conflicting information. Here are the details of some of my interactions : XX/XX/XXXX : I received a call from a Regions agent informing me that my credit card payment was XXXX days past due. I was directed to a different department to investigate the issue, as it was confirmed by the agent that I had properly linked an external account for auto-payments with the correct account and routing numbers. It was eventually determined that the error occurred due to a checkmark being placed next to savings account rather than checking account. This was immediately corrected by me and the balance was made current.\n\nXX/XX/XXXX : XXXX in Customer Service created a ticket ( XXXX XXXX ) to address my request to prevent the late payment from being reported to the credit bureaus, given that the error stemmed from Regions Bank 's inadequate system and poor instructions when activating auto-pay.\n\nXX/XX/XXXX : I called Regions again to discuss how to prevent such an error from occurring in the future and to inquire about alerts that other credit card companies offer, which were not available on my Regions online account. XXXX informed me that the solutions group needed to be contacted to set up notifications for late payments, and she then transferred me to that department.\n\nXX/XX/XXXX : XXXX informed me that Regions can not set up alerts for customers, she didn't know why late payment alerts weren't available to me on my online account, and advised me to contact the credit card department.\n\nXX/XX/XXXX : I spoke with XXXX in the XXXX XXXX department. She initially stated that alerts for late payments were available online, but after further research, informed me that a late or missed payment alert is only available to customers who are not using the autopay feature. This explains why the alert was unavailable to me on my online account.\n\nThe conflicting information and lack of support from Regions Bank exacerbated the issue. Notably, when setting up autopay for a XXXX credit card and deliberately selecting \" savings account '' instead of \" checking account, '' the XXXX system immediately flagged the error and prompted me to correct it, preventing any potential payment issues. They also offer late/missed payment alerts for all credit card holders -- not just those who have opted out of auto-pay. This is the level of service I expected from Regions Bank, but did not receive.\n\nFurthermore, Regions Bank 's refusal to provide missed or late payment alerts to autopay users suggests they believe their autopay feature is infallible. My experience proves otherwise. It's unjust to deny autopay users this essential alert when payments fail, unlike non-autopay customers who can manage this alert as they choose. Not providing autopay users with this alert suggests unwarranted confidence in this feature and neglects the real-world possibility of errors.\n\nThis situation was caused by a combination of Regions Bank 's system flaw, their inadequate instructions on setting up autopay, and the lack of appropriate and timely alerts -- not by any financial irresponsibility on my part. I have worked diligently to recover from the financial devastation that followed a XXXX diagnosis in 2015. Since then, I have maintained a perfect payment history, and this incident is not reflective of my typical financial behavior.\n\nThank you for your time and attention to this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9849082", "source": "cfpb", "group_id": "cfpb/987ad43276faeab2fc89", "variant": "clean", "length_bucket": "long", "chars": 5138, "company": "REGIONS FINANCIAL CORPORATION", "date_received": "2024-08-19", "product_raw": "Credit card", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "987ad43276faeab2fc894846d7fd7ea76117c7a65832a1e9acf3409e731acd71", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities.\n\nI have been a loyal PayPal user and have always conducted my transactions in accordance with PayPal 's terms and conditions. I have used my account for personal and legitimate business purposes, and I have never been involved in any fraudulent or unauthorized activities.\n\nThe sudden limitation of my account has caused significant inconvenience and disruption to both my personal and business affairs. I rely on PayPal for various financial transactions, and this restriction has hampered my ability to carry out essential financial operations.\n\nI kindly request that PayPal conducts a thorough review of my account and the circumstances surrounding the limitation. I believe that a mistake may have been made, and I am eager to cooperate fully to resolve any concerns that led to this action.\n\nIf it is found that there was an error or misunderstanding, I kindly ask for the reinstatement of my PayPal account and the removal of any restrictions. I am committed to continuing to use PayPal in a responsible and compliant manner.\n\nI understand that PayPal takes the security and integrity of its platform seriously, and I fully support these efforts. I am confident that a reevaluation of my account will confirm my compliance with PayPal policies.\n\nPlease let me know if there is any additional information or documentation needed from my end to facilitate this review. I appreciate your prompt attention to this matter and look forward to a positive resolution.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "mobile_wallet_account", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/7771971", "source": "cfpb", "group_id": "cfpb/a7224207d9a8c8c0d6d5", "variant": "clean", "length_bucket": "medium", "chars": 1758, "company": "Paypal Holdings, Inc", "date_received": "2023-10-29", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "a7224207d9a8c8c0d6d5c9c2c6555ccb857e49c6f664fdf5963d5751a9a45ed4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX and XXXX I made 2 instant transfers into my Venmo account. They totaled {$22.00}. On XX/XX/XXXX i attempted to transfer those funds to my bank account. I tried two different accounts and even tried my XXXX XXXX account to no avail. I relented and decided to use the debit card Venmo issued. Went into a XXXX and attempted to make a {$14.00} purchase. The card declined. We attempted again, thinking it was an error and it was still declined. I called Venmos support and was told Id have to wait for an email from customer support. I explained to them that waiting for an email wasnt an option and that I needed my money now! They didnt give a XXXX. Im currently on hold awaiting a supervisor ( who I hope understands how illegal this is and removes the unwarranted freeze on my account ). They will not tell me what caused it to freeze and as I pointed out to them, nothing about the way I use the account has changed. Theyre literally stealing from their clientele in the middle of a recession and pandemic! This has to stop. A quick XXXX search shows that Im not the first they have done this to and I say they should be shut down for it. This country doesnt need scam companies. I want my money and I want them out of business.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5709280", "source": "cfpb", "group_id": "cfpb/9374ceb270be4834e485", "variant": "clean", "length_bucket": "medium", "chars": 1245, "company": "Paypal Holdings, Inc", "date_received": "2022-06-25", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "9374ceb270be4834e485f5a3a9e527ee11c10589c66af3d02194f37b0448bc51", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I submitted a police report to transunio with files that were stated as identity theft I even went as far as to name the suspected perpetrators file # XXXX, and according to the fcra section 605 b when I submitted the police report XXXX credit bureau shall block the file until the investigation is complete and I spoke to XXXX XXXX and a very nasty toned XXXX XXXX from trans union about the matter and I repeatedly asked why they would not block the files while the investigation was on going and that it is my right according to the fcra unless they are attempting to site section c wich would be insinuating that I was attempting to defraud a vendor wich I really hope that they were not attempting to do XXXX took and signed a sworn statement against those accounts punishable by imprisonment for lying and on top of that what man makes up that a perpetrator is his own mother or sister, and on top of that upon the issuance of the police report with the fraudulant a counts that should put the burden of proof on the lender/creditor but they are allowing the creditor to simy say the account is valid XXXX swore a statement punishable by jail willing to send my mother to jail, transunions stand is absolutely ridiculous in allowing such a simple responce for proof of course the creditors have my info the accounts were in my name the perpetrators had my exact information for XXXX sakes they lived in my house, so the creditor saying they have my information is not enough I swore a statethat i am not the party but transunion has repetitively allowed the companies to update FRAUDULANT files time and time again no matter how much I fuss, and with the help of supervisors like XXXX XXXX they are at will suppressing consumer rights with zero consiquence .I can see that the handling of consumers rights and reports have not changed much since the incident in 2017 it makes me wonder if the switched from baiting consumers with links to working with lenders for paying just read one of the papers they give there supervisors when they start named \" protect the revenue '' my rights have been severely violated with this and shown no respect as to what has gone on with my credit instead been talked to and treated like a suspect the whole way threw. Please direct dir or maam force them yo respect my rights and those of other victims and hold them accountable for what they have done and the damage that they have let happen to my credit file by suppressing my fcra rights by refusing to block while investigating, and allowing such a shallow burden of proof from the ftaudulant accounts when there is so much as stake XXXX XXXX not XXXX about my families and I well being in this world, but if it were her I was typing about I would argue just as Hard please force them to remove theses fraudulant accounts from my account and repair the damage done to my report by their blatant disregaud, and neglect for my credit health and well being", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5883436", "source": "cfpb", "group_id": "cfpb/34bc0cdb50feab145257", "variant": "clean", "length_bucket": "medium", "chars": 2948, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2022-08-16", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "34bc0cdb50feab145257924118be4853f6f703b70950243d6ec908ecb14df035", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The below problem disappeared from my credit after I filed my complaint in XXXX and now it's reappeared on my credit report. My initial report : I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} XXXX 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3475513", "source": "cfpb", "group_id": "cfpb/6f21868f7770695eac69", "variant": "clean", "length_bucket": "medium", "chars": 1435, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2019-12-23", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Problem with paying off the loan", "text_sha256": "6f21868f7770695eac69bfb14f988d2334aeeea989d7d30b7ec5cb999562485b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ally Bank worked in part with XXXX XXXX to secure a fraudulent loan and activities to prevent consumer ( myself ) by able to understand or bring to surface of the original loan and contract I was aware of and agreed upon. They continuously and dishonestly made changes while helping XXXX XXXX XXXX get away with more than XXXX in cash and trade in vehicle to be repossess sold or etc. Without giving me access to records or resources to prove otherwise while adding additional financial charges to existing contract and denying any illegal actions on there part throughout duration of my compliant and regards causing me so much financial distress and physical distress declining my mental ability to continue to fight and search for any resources available to help me hold anyone accountable but I continues making payments by a means because I knew I wasn't mentally XXXX or XXXX to believe there lies which they wishes I would give in to believe. After what turned into 6 years of payments instead of 12 months and a interest rate of almost 10 percent. Recently thanks to the man above God or good energy or karma whichever maybe responsible or for the person reading this compliant to believes. Less than 10 days ago what I knew both entities worked together to commit against me and cause more than XXXX in damages and as well as so much other injury I may never fully recover in any way I assure you this has permanently effected and took more than I can start to write down on this form. However, what was done behind closed doors and away from my knowledge I can finally not only assume before but I now have 100 percent proof they have done and quickly tried to relieve themselves from any responsibility as soon as I noticed and started asking questions seeking answers they went into action to clean up and do there do diligence from ever being able to bring to light but I finally am able to say I got 150 percent proof both parties Ally Bank and XXXX XXXX XXXX acted and conspired to cause intentional distress to consumer for both profit and selfish reasonings to further there own agenda despise the state laws and regulations which were set in place to protect consumers, both entities and personals went above and beyond to deny any involvement until recently when I have been able to address to them the evidence which before I could only assume they acted unlawfully or had any knowledge of any dealings however its officially now known by both myself and both entities as well as personnels who both work and represent each entity now made aware of that I will no longer stay silent but will report them asap and no remedy or cause of action but which the law or state allows to be fined or punished for breaking the governing ruled and regulations to be notified and ask only for that course of remedy to be the only interest of mine the consumer given I spent 6 years searching for answers hoping for justice or for them to make sense to why this happened to me in the first place but I was consistently lied to and almost believed that I was crazy and mentally uncapable to file any compliant or seek any remedy other than my own self medicating ways to prevent further mental and physical damage I accepted my faith because both entities I knew were working hand in hand to destroy my life and gain from it and I had NO ONE or nothing left except my original purchase which was even intentionally involved in a automobile accident where I now believe was done by the personnel who works for XXXX XXXX XXXX to get me to further agree and replace or have vehicle repossessed to further allow distance from discovering what they done to me from ever coming to light and able to prove it theoretically but I can't prove that other than coincidentally proving emails exactly during times which made me believe more of my theory being facts then fiction especially since all pieces of the puzzle now paint the picture and nothing is left to speculation I can only ask someone other than any of the parties Including myself to be the judge and I know I can only trust the final assessments conclusion at this point I feel I've loss my sanity and judgment to have any opinion would be bias and unfair in court because of such injury and damage I can no longer understand anything I've lost my mind my body my soul my presence my future and only can speak of my past in past tense as it once was what I remember to live a life wherr everydsy i went to sleep on time looking forward to getting up next day hoping to live my future being better than my past but I loss everything including being able to be able to work hard and look forward to anything after my future is now my past memories of what i remembered or understood to be a dream and nothing more. Ive hit low percent poverty and continued to live lawfully with nothing except my parents the few people i have left if nothing else supporting me and being my punching bag when i felt i needed to act out and say life isnt fair to accept what happened to me to be a unjustified act of few people who for long time been able to act above the law and at one point even given bonus for there involvement and use of power and to continue acting in such nature and trusted too by those who i hoped wouldnt trust these entities given the law protects the consumer and corporations from doing unlawful acts and to enforce these entities to act in good faith however they now too are XXXX founded and believe me after I've lost more than anyone I know while believing I myself am crazy in order to keep my sanity and me from going insane more than I already have shown everyone I am and might be just so if I accepted I was crazy then there Maybe a chance I can hold on to some of my little dignity in the face of those whom became aware of my issues to also believe that I am not too crazy for accepting the course of actions set in place to dysfunctional damage me as a whole instead of just financially. Thank you. God bless Sincerely, Lost MAN No Man should have to experience what I had to just to bring one peace but thank you for anything you can do to help assure this won't happen to the next consumer then I can say my purpose did not go to vainly.\n\nXXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/5176733", "source": "cfpb", "group_id": "cfpb/818325ff37730768409b", "variant": "clean", "length_bucket": "long", "chars": 6237, "company": "ALLY FINANCIAL INC.", "date_received": "2022-02-02", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "818325ff37730768409b2508d9cdcc83b4eafe99a19a3d350ff813b776bb59ec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased a new home and as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX I obtained a mortgage through XXXX. Up until XX/XX/XXXX my mortgage was serviced by XXXX XXXX XXXX XXXX but on XX/XX/XXXX XXXX changed over my mortgage to Nationstar. I was not asked whether I wanted this change nor was I informed of it. However, I had received a letter on XX/XX/XXXX from XXXX stating that Nationstar would be acting as XXXX agent on XX/XX/XXXX and that they would often use the name XXXX or XXXX XXXX XXXX XXXX while acting on behalf of XXXX. XXXX created an FAQ page specifically for this transfer of servicing to Nationstar : XXXX XXXX XXXX XXXXXXXX ( last visited XX/XX/XXXX ). One of the FAQs on this page is Will I be charged any additional fees with the transfer of servicing to Nationstar? The answer to that FAQ is : No. You will not be charged any additional fees because of the transfer of servicing to Nationstar. It was after the switch to Nationstar that I begin to have problems. I went to Nationstars website and made a payment using my old XXXX checking account into my escrow. I had never heard of nor did I authorize the use of non-party XXXX to make a payment on my mortgage. Also, I never signed any documents authorizing or providing my expressed or implied consent to charge my account {$19.00} every month. Yet, on XX/XX/XXXX I was charged the first unauthorized {$19.00}. The XX/XX/XXXX charge stated XXXX XXXX XXXX. This charge was authorized by Nationstar. The details of the Transaction Details dated XX/XX/XXXX showed that it was authorized and/or processed by someone named XXXX XXXX and was an ACH withdrawal. On XX/XX/XXXX, I searched online for XXXX XXXX and found his bio for Nationstar at XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX all three websites indicated that XXXX XXXX is a XXXX XXXX XXXX with Nationstar Mortgage XXXX XXXX. On XX/XX/XXXX I contested the XXXX charge during a three-way call with XXXX and/or Nationstar. XXXX and/or Nationstar gave me a Permanent Credit. During the three-way call, I asked the representative of XXXX and/or Nationstar about XXXX XXXX and was told that they didnt know who he was or if he even worked for XXXX and/or Nationstar. The next day I contacted XXXX and/or Nationstar again and during the three-way call I disputed the XXXX charge and was given a Permanent Credit by XXXX and/or Nationstar. On XX/XX/XXXX I was again charged {$19.00}, which was credited to XXXX and XXXX XXXX, this lead to my being charged an additional {$25.00} overdraft fee. I contested this charge also and on XX/XX/XXXX XXXX and/or Nationstar issued me a Permanent Credit refunding me both the unauthorized {$19.00} and the {$25.00} overdraft fee. Then on XX/XX/XXXX I received another unauthorized {$19.00} charge credited to XXXX and XXXX XXXX. Again, I disputed this unauthorized charge and asked XXXX to block all future charges made by XXXX. On XX/XX/XXXX, XXXX issued me a full credit, but on XX/XX/XXXX I was again charged {$19.00} by XXXX and XXXX XXXX. I again dispute the charges. On XX/XX/XXXX XXXX issued me a Provisional Credit and asked that I sign and return a prewritten form affidavit to dispute the charges. The prewritten form provided only five options to choose from on why I believed the charges were unauthorized none of which fit my situation. I could not in good conscience sign or return the affidavit. XX/XX/XXXX I received my XXXX unauthorized {$19.00} charge from XXXX and XXXX XXXX. I had contacted XXXX several times about the status of the account but was unable to get through to anyone and never received a response from XXXX at that time. It is my belief that I am not the only person being subjected to these repeated unauthorized charges. Since the first monthly charge hit, I removed all money from my old checking account and opened a new checking account. XXXX and/or Nationstar refused to permit me to close my old account. I believe that XXXX and/or Nationstar can continue to charge me {$19.00} monthly. Due to this situation, XXXX and/or Nationstar will only allow me to make minimum payments on my mortgage using my new checking account. This restriction stops me from paying off my mortgage early and/or faster because I can not pay into my escrow account. This situation with XXXX and Nationstar is stressful. I am fearful that I will not be able to pay my mortgage without incurring additional monthly fees that will greatly increase my mortgage. I am emotionally distressed, angry, nervous and freaking out.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2543177", "source": "cfpb", "group_id": "cfpb/a6bac739c4224138fee1", "variant": "clean", "length_bucket": "long", "chars": 4503, "company": "NATIONSTAR MORTGAGE LLC", "date_received": "2017-06-06", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "a6bac739c4224138fee15321be35feb7385cb3a5ff895b7eddaba9eab4637e9a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest.\n\nI called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase.\n\nSo the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest.\n\nObviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2756461", "source": "cfpb", "group_id": "cfpb/37b862a0fa819452c0fe", "variant": "clean", "length_bucket": "short", "chars": 1028, "company": "FIFTH THIRD FINANCIAL CORPORATION", "date_received": "2017-12-15", "product_raw": "Credit card or prepaid card", "issue_raw": "Advertising and marketing, including promotional offers", "sub_issue_raw": "Confusing or misleading advertising about the credit card", "text_sha256": "37b862a0fa819452c0fed2a2f004b1429439b78a2a830a34eddb8ef4d20e4c56", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "hello, i did a trade in for a used car, but the dealer couldn't sell me the car after the trade in cause of defective airbags issue. I got my car back and didnt do the deal. please delete inquiry and loan from my credit. i never got the car or did the trade in. Thank you!.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4487421", "source": "cfpb", "group_id": "cfpb/b4df3c7c606a1b1c4df5", "variant": "clean", "length_bucket": "short", "chars": 273, "company": "General Motors Financial Company, Inc.", "date_received": "2021-06-23", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Problem with a trade-in", "text_sha256": "b4df3c7c606a1b1c4df5dec7c2c8e38527679c0bdee1162f4deef680ddfec130", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "First National Auto Fleet, out of XXXX XXXX, in XX/XX/2021, sold a vehicle to me which was financed through a lender but was impounded less than a week into my having the vehicle because it was stolen. I am a resident of XXXX and XXXX XXXX XXXX pulled me over after driving the vehicle home from XXXX, and impounded my vehicle for me never to see it again. I gave First National Auto fleet {$XXXX} down for this vehicle and immediately made them aware of the issue. The used car dealer refused to resolve the issue even after being told that they would be required to buy the loan back from the bank- as per XXXX XXXX XXXX. This finance company claims to have contacted them through their dealer services department but states there was no response. I have recently requested information related to this dealer 's surety bond, to file a claim and the dealership told me they weren't giving me a \" XXXX '' thing and requested that I stop calling.\n\nAs a consumer who diligently provided very personal information, a good amount of down payment and fulfilled every part of the contract from my end should not be left with having a dealership who is participating in commerce in a very underhanded way. I had no idea that I was purchasing a stolen vehicle and the dealership should be held responsible for not returning my down payment, for refusing to assist me in securing another vehicle and for refusing me information about their surety company - and of course, for selling a stolen vehicle. I have pursued this issue for quite some time to no avail and am seeking assistance in recouping the down payment I provided and holding this dealership accountable. This stolen vehicle also reported to my credit for some time - making it very difficult for me to secure another vehicle through financing. Dealers in XXXX should not be allowed to continue business if they are selling stolen vehicles to consumers without their knowledge, only for the consumer to be left with the burden of rectifying a bad sale.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7978265", "source": "cfpb", "group_id": "cfpb/5d2c5ce5a63ca12da1c9", "variant": "clean", "length_bucket": "medium", "chars": 2007, "company": "First National Auto Sales, Inc", "date_received": "2023-12-10", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Did not receive car title", "text_sha256": "5d2c5ce5a63ca12da1c97556162b1a2e563690af9db2341c6233c95e7c06928e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I, XXXX XXXX, am filing a formal complaint against Synchrony Bank for not properly and fully cancelling out a loan request account, after providing Synchrony Bank and Roto Rooter with my clear and concise decision not to proceed with either the repair to fix the sewer pipe and to stop and or cancel any loans or accounts from proceeding immediately.\n\nOn XX/XX/2023, I requested that XXXX XXXX come out to my home to assess a leaky pipe connected to my home sewer.\n\nI was advised that my main sewer line needed a new interior lining from XXXX XXXX whose office operates out of XXXX New York.\n\nWhile being overly approached and intimidated by several XXXX XXXX XXXX ( XXXX ), I was provided with an astronomical quote and given an application from XXXX XXXX XXXX of XXXX XXXX to see if I had the option to get a loan with no interest to pay off the cost of the work to fix the actual pipe if I proceeded.\n\nI was approved XX/XX/2023 same day at XXXX XXXX for the Synchrony Bank loan of {$18000.00} the amount XXXX XXXX quoted for the repair coordinated by XXXX XXXX XXXX of XXXX XXXX.\n\nShortly after same day, XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and advised to him that I wanted to get further estimates and that I wanted to stop any proceedings having to do with the sewer pipe fix and to stop any loan /account set up activity with Synchrony Bank XXXX\n\nI clearly in written text messages, just XXXX hours from the time the loan application and repair were quoted, advised XXXX XXXX XXXX of XXXX XXXX that I would not be signing the repair contract he just prepared and sent over to me, nor would I be moving forward with the repair or loan. My next step was to contact Synchrony Bank myself to ensure that this account would be confirmed closed, null and void. I asked XXXX XXXX XXXX of XXXX XXXX for Synchrony Banks contact information, and was refused. I was advised to XXXX it.\n\nXX/XX/2023 at XXXX in the morning, as soon as Synchrony Bank XXXX, I called and spoke with representative XXXX XXXX XXXX to advise that this account needed to be cancelled asap and that I would not be proceeding with this repair or loan. XXXX XXXX XXXX from Synchrony Bank XXXX at that time closed the account which had a {$0.00} balance.\nI confirmed with XXXX I had never signed the repair contract with XXXX XXXX.\n\nXXXX XXXX XXXXXXXX Synchrony Bank advised that the account and loan were cancelled, however, I would need to contact XXXX XXXX to have them lift the hold for the {$18000.00} that was placed thereafter I had provided written notice to XXXX XXXX that I would not be proceeding with the repair or loan.\n\nI was appalled that the hold was even on the account since I never signed any contracts for this pipe to be fixed with XXXX XXXX, not to mention it was XXXX hours after the XXXX XXXX tech XXXX XXXX XXXX left that I had written him via text confirming that I was not moving forward with the repair and or loan.\n\nXXXX XXXX XXXX of XXXX XXXX acknowledged my request, and confirmed back that this request was heard and that he would advise both XXXX XXXX and Synchrony Bank of the same that I would not be moving forward, with his assurances these matters would be completely taken care of.\n\nI contacted XXXX XXXX administration offices in XXXX New York and was transferred to the manager XXXX, who would not even give me his last name. He was clearly acting and responding very defensively, and I could tell, his best interest was not me.\n\nI wanted to let him know directly that I would not be proceeding with fixing the sewer pipe with them and that I needed him to remove the hold on the Synchrony Bank account asap and that I had never signed contracts to fix the pipe.\n\nXXXX, manager from XXXX XXXX assured me that he would take care of it right away and would contact the bank to remove the hold and that he would call and email me confirmation same day. I never heard back from XXXX this day as promised. I attempted to contact him again but he was not picking up the phone.\n\nXX/XX/XXXX, still no contact from XXXX at XXXX. I again called Synchrony Bank and requested to be transferred to a manager. I was transferred to a said supervisor, XXXX ID XXXX. I asked that they ensure this account was closed and that I receive written formal confirmation the account was closed and I once again stated I would not be proceeding, nor were any contracts signed to fix the sewer pipe with XXXX XXXX.\n\nXXXX XXXX XXXX, of Synchrony Bank XXXX tried to assure me that the account was closed but that XXXX XXXX XXXX still essentially bill Synchrony Bank XXXX and post a charge to this closed account, even though no contract was signed and the loan and was deemed cancelled.\n\nSynchrony Bank said the only thing I could do at this point was to have these conversations noted in the closed account case note section and that I should advise XXXX XXXX the same, to lift the hold from Synchrony Bank. Being that XXXX, manager at XXXX XXXX was not cooperative, this was not an open avenue to take. I was advised to wait and see what happens and if necessary we could fight any charges posted as fraudulent activity.\n\nI called XXXX a third time from XXXX XXXX, and was connected to him. I asked why the Synchrony Bank account still had a hold when he advised he would remove it and send me written confirmation via email. He said he would take care of this in XXXX minutes. 8 days later, still no word or confirmation from XXXX at XXXX XXXX in XXXX NY and it is extremely unhealthy for me to speak with XXXX any further.\n\nIn summary, this account that was set up prematurely with Synchrony Bank needs to be formally and entirely closed with written confirmation of such to myself. I need confirmation that no charges can be posted to this Synchrony Bank account that was requested to be closed on XX/XX/XXXX to a XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX assisting representative that coordinated communication between Synchrony Bank and myself and my clear and concise request to Synchrony Bank directly cancelling any open accounts or loans.\n\nThese events with Synchrony Bank, have caused me distress and mental and physical distraught and are continuing to do so.\n\nIf this matter is not resolved immediately and if this account is not completely closed out with no possibility of any charges posting, I will be communicating with my legal council.\n\nI hope you can see the urgency and actions in such an important matter. These dealings have grown into a deceitful, master manipulation.\n\nSincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/7049630", "source": "cfpb", "group_id": "cfpb/478811ce98c6a4e2d36a", "variant": "clean", "length_bucket": "long", "chars": 6537, "company": "SYNCHRONY FINANCIAL", "date_received": "2023-05-31", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "478811ce98c6a4e2d36ada98871ac682b168b9bdc4306b33a86c7193693425b0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My HELOC with XXXX XXXX XXXX was initiated on XX/XX/XXXX. XXXX XXXX managed the servicing of this and the loan/account number provided was XXXX. <P/>I had been making payments through the designated online portal until XX/XX/XXXX when my access to this appeared to be blocked. I was presented with an error message stating my login details were invalid. Believing this was a website issue I gave it a day or two before trying again, but was met with the same error message. I attempted to re-register the account online, however when I entered my account number and last four digits of my social security number the system said it was unable to locate an account. <P/>I called XXXX customer care and explained issue and inquired if my note had been sold and/or if it was now being serviced by someone else. The customer care representative stated the note had not been sold, that XXXX were still the servicers and while they had no answer as to why the portal was not working they suggested I mail payment instead. Thinking this would be a one off payment I went into my bank and got a cashiers check ( at my own expense ) and sent this to the address listed the my XXXX payment envelope supplied with the statements. <P/>XXXX XXXX XXXX XXXX, MN, XXXX Through the month of XX/XX/XXXX I made several attempts to login to the XXXX payment portal to see if the access issue had been resolved, but was still getting the same error message. Not wishing to miss a payment I decided to initiate paying my monthly loan payment via the XXXX XXXX XXXX XXXX ( XXXX ) bill payment system. I set this up to automatically send out a bill payment check on the XXXX of each month, to the above listed address. The last attempt I made to access the online payment portal was in late XX/XX/XXXX and it was still denying me access ( see Exhibit A ). <P/>On or around the XX/XX/XXXX I received via mail, a servicing transfer letter stating my note had indeed been sold to Pentagon Federal Credit Union ( PFCU ) effective XX/XX/XXXX. In this letter it stated that while the note had been transferred, that PFCU does not itself service the loan. The servicer was to remain XXXX Bank and I was provided a new address below for all correspondence ( see Exhibit B ) : XXXX Mail Code XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX As per the new instructions I made XXXX payment via the XXXX bill payment system to above XXXX address. It is worth noting that by the time I was informed of this change I had already made XXXX and XXXX payments. However I had not received any correspondence stating there were issues with the manner in which these payments had been made. <P/>In XXXX, out of the blue, I received a letter from XXXX Bank explaining that as per my request they would no longer be contacting me using automated phone messaging services ( see Exhibit C ). I had made no such request and thought this to be highly irregular. I called XXXX customer service and re-confirmed the contact details of my account and at no point during this call was informed of any issue with the account. <P/>XXXX 's payment was sent the same way as XXXX and having not heard anything different I believed all was well with the account. <P/>In XXXX upon receiving and reviewing the statement I saw the payments for XXXX, XXXX and XXXX had not been applied to my account. Shocked to see this I called XXXX customer service and was told the reason for this was due to an account number discrepancy as a consequence of the loan transfer. More specifically, and contrary to what was referenced in the transfer letter, the representative indicated that PFCU had its own account numbers. The customer service representative assured me that they would be able to apply the payments and correct this issue on their end, but at that time was not able to provide me with an alternative account number. <P/>Prior to sending XXXX payment I once again called XXXX to inquire as to what my new account number was. I was told the only account number on file was XXXX ; the same account number listed on the XXXX statement and the same one I have had all along. Not wanting to be late with a payment I sent XXXX check in the same manner as before hoping that the issue would be rectified on the servicers end. <P/>In XXXX, as feared, the statement revealed that this issue had not been resolved. I called up XXXX customer service and explained how serious of an issue this was and asked to speak to a supervisor. I was told there was no one available at that time to take my call. Feeling desperate and that I could not leave the issue unresolved for any longer, I called the main telephone number to XXXXs corporate office and explained the issue to the operator who then transferred me to the customer advocacy department. <P/>I was assigned a customer advocate by the name of XXXX who I was told would become my point of contact. XXXX explained that her role was to ; audit previous payments on my account ; rectify the current non-application of payments to this and to monitor the account moving forward to ensure this was fully resolved. XXXX also explained that the reason the payments were not being applied was that the loan number used by the new note holder is different from the loan number originally issued when XXXX Bank originated your loan. I asked for this alternative account number but XXXX was unable to provide me with this. <P/>I had also noticed that XXXX were now reporting XXXX, XXXX and XXXX payments as unpaid to the credit bureaus. This angered me as I had been told by customer service representatives that my check payments had been received, but not applied to due a supposed account number discrepancy and therefore this was not an issue of non-payment. <P/>I spoke to XXXX and explained the situation and asked for this to be corrected and be provided with a letter confirming this so I may use to reverse this on my credit report. I was provided a letter that stated that XXXX was in possession of my payments for the months of XXXX, XXXX and XXXX but these could not be applied due to a different loan number being noted in the check memo line ( see Exhibit D ). <P/>However it is worth pointing out that the transfer letter I received from PFCU referenced the same loan number I was originally provided by XXXX ( see Exhibit B ), which is the same account number cited in my monthly statements. <P/>Believing that from here the customer advocate would work diligently to resolve the issue I gave XXXX some time to do some research. We touched base a few times through the months of XXXX and XXXX where I was told that she was working with the servicing department and PFCU to fix the problem. <P/>In XXXX I received a new statement still showing a growing past due balance indicating that XXXX had still not resolved this issue ( see Exhibit E ). I also received a letter from XXXX XXXX XXXX XXXX notifying me that they had filed a notice of default. In this letter they cite the name of the creditor as PFCU, the servicer as XXXX and the loan number as XXXX ( see Exhibit F ). <P/>As of XXXX my credit report shows that XXXX is reporting XXXX, XXXX, XXXX, XXXX and XXXX as unpaid, but XXXX as paid ( see Exhibit G ). This is not what is reflected in the account statements sent by XXXX. It appears that in addition to not applying payments received and withholding my checks, that XXXX is not accurately reporting to the credit bureaus. <P/>To this day I am yet to receive any correspondence from XXXX or PFCU regards any new account number to cite when making payments. I hold both XXXX and PFCU responsible for why my payments are not being applied. It is clear I have made all reasonable attempts not only to pay my monthly loan payment to XXXX, but also in contacting XXXX to try and resolve this issue. Please find attached as Exhibit H copies of all the checks sent to XXXX for XX/XX/XXXXto XX/XX/XXXX. <P/>This left me feeling helpless as without being provided the correct account number my payments are not being applied and if I do not send the payments I would be defaulting on the loan ; it is a no win situation. Adding to this misery is the fact that these bill payment checks are cleared funds, so I am still out of pocket the loan payments. <P/>This issue has had an enormous negative impact on my life. As a consequence of notice of default I am being contacted daily, by phone, email and mail by individuals and companies offering services to help me avoid foreclosure. Additionally my Solar panel provider, XXXX, sent me a letter stating that under the terms and conditions of the Solar contract, XXXX can come to the home and remove these panels believing their assets are at risk. They have also suggested that they would pursue legal action against me to protect their assets. <P/>This is all very distressing indeed with me needing to take time off work to try to resolve this and it is starting to take a toll on my health leaving me very anxious. I have had to seek medical intervention and counseling as I struggle to come to terms with the situation. Despite spending many hours trying to resolve this with XXXX, I fear this has gotten out of control and I am requesting that the CFPB investigate XXXXs servicing practices.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2493427", "source": "cfpb", "group_id": "cfpb/2789d1245f7b40ec5224", "variant": "clean", "length_bucket": "long", "chars": 9230, "company": "PENTAGON FEDERAL CREDIT UNION", "date_received": "2017-05-24", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "2789d1245f7b40ec52243d5e3fa5592b932c23c5924d45ffbbdedec5a6f38a86", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I recently reviewed my credit profile and noticed inaccuracies and false accusations and accounts. I am formally requesting that these be investigated properly with immediacy. This is my second time asking these credit agencies XXXX to remove these collections : XXXX XXXX XXXX, Account # : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, balance claimed owed {$7800.00}, Account # : XXXXXXXX XXXX XXXX XXXX, balance claimed owed {$1100.00} These agencies is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts, they have violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the \" consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The account information listed directly above is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the XXXX system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method Of Verification, Accuracy Of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. XXXX XXXX XXXX, Account # : XXXX XXXX XXXX & XXXX, balance claimed owed {$7800.00}, Account # : XXXX XXXX XXXX XXXX, balance claimed owed {$1100.00} I do recognize that you deal with an enormous amount of data, which led to the creation of the E-Oscar system, which is partly owned by all of the agencies represented in this letter. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( XXXX ) days to investigate these items, and ( XXXX ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. 15usc1681ia states by law that items in question to be disputed MUST be deleted BEFORE the investigation is completed which by law you never did when you first investigated these disputes that is a violation of FCRA itself. Remove these account immediately they have XXXX attached to them as paid in full by the IRS and these accounts are considered TAX FRAUD by being attached to my reports. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9440451", "source": "cfpb", "group_id": "cfpb/4ed175e61b298f81bf3c", "variant": "clean", "length_bucket": "long", "chars": 5068, "company": "EQUIFAX, INC.", "date_received": "2024-07-08", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "4ed175e61b298f81bf3ca918204878bcc9497577ac191f95a9d69ea1e9d7957e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "1 ) XXXX, XXXX XXXXSent funds {$1000.00} to my account by XXXX XXXX 2 ) over the next 6 days until XX/XX/2023, I kept receiving emails that my funds have been successfully sent to my bank and I will be advised when the funds would be available.\n3 ) I called daily only to be told that there were technical hitches and that they will be resolved soon 4 ) Final email sent to me today, XX/XX/2023, said my funds were delivered into my account and that this transaction is NOW COMPLETE- I have NOT RECEIVED THESE FUNDS YET.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "money_not_available", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/7073865", "source": "cfpb", "group_id": "cfpb/0d06fcc0f67082e6ec3c", "variant": "clean", "length_bucket": "short", "chars": 521, "company": "Remitly, Inc.", "date_received": "2023-06-05", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "0d06fcc0f67082e6ec3ccc47dec94b3154d63377826cc28ca019fc56e67648fd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Please see XXXX which your office closed today. I did submit feedback and asked if that was enough or if I had to file an additional complaint. The email response to my feedback was simply that it would be added to my file so I am submitting an additional complaint.\n\nI am attaching a letter from XXXX XXXX that was sent to CFPB in XX/XX/XXXX 2016 when I enlisted your assistance in having my modification completed. This letter clearly shows that my payments were to be XXXX per month, no mention of escrowing taxes and insurance and no reason to do so as I was clearly paying my taxes and insurance on my own. Bayview accepted the transfer of my mortgage from XXXX and clearly accepted their terms. No correspondence was sent to me that they were changing the terms of the modification. Adding the \" deferred amount of XXXX '' was not needed nor do I believe it to be legal as I clearly complied with the terms of the modification. Additionally this amount was never credited to my mortgage nor any payment to my mortgage or my homeowners or insurance. I am again requesting that this amount be taken off of my mortgage agreement and the information shared with XXXX XXXX who is currently managing my mortgage so that they can adjust their records I am also requesiting that this case not be closed simply because Bayview sends you a letter with their explanation that I was to include the taxes and insurance payment which gave them the right to access this amount to my mortgage, that is simply not true. I believe this amounts to predatory lending practices on a senior who was trying to obtain a mortgage modification. I am once again requesting your assistance with this company, a company that perhaps should be investigated as I 'm sure that I 'm not the only one that is having this problem.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2681147", "source": "cfpb", "group_id": "cfpb/36e8a1f5bc58351d475a", "variant": "clean", "length_bucket": "medium", "chars": 1802, "company": "Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)", "date_received": "2017-09-21", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "36e8a1f5bc58351d475ace766f7a7de12b3506038e181b22cc150e6d5e344d83", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX I went with my girlfriend to Conn 's to buy 3 items and have them delivered to our new address. I had recieved a letter in the mail and decided to go with Conn 's since they had reached out to me and guaranteed my credit approval. When we got there were greeted by XXXX XXXX and we looked around. There were signs all over the store saying if you bought three Matching brand items you would recieve a 10 % discount. I picked up three matching brand items even going for a more expensive item so I could recieve the 10 % discount. I was told to sit and wait which I did. After 30 minutes I was told I was not approved and would have to go through another company. I told them I had a pre approval letter and an hour later the manager approved it. I sat down and waited another 30 minutes and had other customers go ahead of me. I finally stood at the counter to see what was going on and the manager assistant came up to the front desk and told me to sign at the bottom of an ipad and I could go and when I asked what I was signing I was told I would recieve an email stating everything. So since at this time it was XXXX and I have spent my evening there I signed the bottom. I was not given any paper documents until 3 weeks later in the mail i receieved a payment book with an outrageous amount. Thinking that was because they were charging interest after the two year aggreement I called and was hung up on 5 times! I set the bill up an auto pay and aggreed to the monthly payment until I could get the billing sorted out and not have it show on my credit poorly. When the first payment came due and they were to auto draft ONE monthly payment they withdrew the whole balance of {$3800.00} with all of the interest. When I call them they give me the run around and tell me that they are trying to process my request. They withdrew from my bank account causing me to have money issues since I recently had also lost my job. Conn 's uses deceptive sale tactics and has taken more money from me then I owed. They told me on XX/XX/XXXX I would receive my refund with in 30 days in the mail. When I called back on XX/XX/XXXX to check the status of my refundI was told it had only been 12 business days and they would need more time to even approve it.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "making_payments", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3454939", "source": "cfpb", "group_id": "cfpb/7cd4bc4a29139c58713e", "variant": "clean", "length_bucket": "medium", "chars": 2257, "company": "Conn's, Inc.", "date_received": "2019-12-02", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "7cd4bc4a29139c58713e0745b314df7ea26e0408bda63e63daed2666ffc635c4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ally Auto Financial approved 2 auto loans against my credit report without any request for documentation or request to verify my income. The 2 auto loans combined total more than my income. I was forced to purchase both an extended warranty for over 4000.00 plus gap insurance. In addition, I believe I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX KS whereas Ally Auto Loan is the lender. I requested a loan rescission due to the amount of issues the vehicle I purchased started having after driving it off the lot. I returned it the next day for repairs. The opportunity to earn my business has faded over the past few weeks. My trust in the dealership has depreciated and my desire to purchase a reliable vehicle from this establishment has become nonexistent. These feelings do not come without reason. My initial purchase of the XXXX XXXX was thwarted when the check engine light came on after driving it for a period not greater than two weeks. After the service department stated they had taken it to a local XXXX dealer for a firmware update the light came back on after a day or two of driving and the 12v outlets did not work. My husband and I thought to upgrade to the XXXX since we liked driving it as a loaner. We were able to get into a frost grey version which came with a list of acceptable problems. Those problems were acceptable until the risk of overheating entered the picture because it sprang an antifreeze leak due to a cracked hose in the coolant system. After a bit of research, I found out that there were over XXXX XXXX XXXX XXXX recalled. The recall message from XXXX stated, if the coolant leak goes undetected, it could lead to an accumulation of coolant in ( or on ) the catalytic converter heat shield insulation and then catch on fire. To top it all off, the warning light appeared stating the vehicle is due for regular maintenance which is priced at $ XXXX {$350.00}. This is the second vehicle that I have attempted to purchase that has had both minor and major issues that were not addressed prior to me taking ownership. Everyone at the dealership has been friendly, cordial, and inviting. There have been multiple examples of someone stating something that was not exactly truthful. In fact, I began to lose faith when someone told my husband that the TPM light is on because it is set that way prior to selling a vehicle. To disprove this myth, we put air in the tire and the TPM light went off. Encountering all the small situations where a vehicle is not in proper running order, dishonesty, and not speaking openly about the known flaws of a vehicle has prevented me from developing relationships, trust, or confidence to purchase a vehicle that does not have the potential to experience a breakdown in the near future. I trusted the sales and finance teams to provide me with a reliable vehicle where my husband, children, grandchildren, friends, and I can reach our destinations safely, this has not been the case. Instead I have received 2 vehicles that fall under the Kansas Lemon Laws. However the finance manager has violated the Truth in Lending and the Kansas Lemon Laws because they are forcing me to purchase the car and none of the problems have been fixed and now I am without a vehicle and have been without the vehicle I purchased the past 2 weeks. I contacted Ally and to my surprise they show 2 auto loans for the vehicles I returned to the dealership. I was shocked and now I feel stuck and wish I would have done my research. Lessons Learned from this nightmare in buying a new vehicle to pick up my grandchildren in and spend time with them. The finance manager told me they would return the loan financed to the lender Ally Financial and therefore I trusted they sent the funds back and now I am stuck with 2 auto loans with no vehicle. Both loans total more than my income alone. I reached out to Ally Auto Financial and they referred me back to the dealership with no intention to resolve the issue. This has been extremely stressful for me, I am a grandmother and the only thing I wanted to do was find a affordable reliable vehicle and now I have lost all trust in both the auto industry and auto lending industry.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/5808562", "source": "cfpb", "group_id": "cfpb/b2c0b6a39a190b662d07", "variant": "clean", "length_bucket": "long", "chars": 4201, "company": "ALLY FINANCIAL INC.", "date_received": "2022-07-25", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "b2c0b6a39a190b662d07f7550a4589ced2dc05f2932b4c3873bf345718c25c6f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was promised and verbally agreed if I return the vehicle back that it would not be put in my credit report. It has effected me in obtaining loans for my sons schooling and has been on credit for a long time. It hasn't been taken care properly and it seems like it has to be that I'm XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5140834", "source": "cfpb", "group_id": "cfpb/abedd2e7fc87dfb10570", "variant": "clean", "length_bucket": "short", "chars": 290, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-01-23", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Loan sold or transferred to another company", "text_sha256": "abedd2e7fc87dfb10570e890572ae8e3aaed97089e4928ffe52afe42e073e20a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "At the end of XX/XX/2020, a thief created counterfeit checks using my bank account number and forged my name on the checks to withdraw money from my account. There were 13 checks totaling {$31000.00} written in seven weeks between XX/XX/XXXX and XX/XX/XXXX. Wells Fargo did not detect the fraud on my account despite the following red flags that should have alerted the bank : 1. The signature on the fake checks bore absolutely NO resemblance to mine. It wasnt even close.\n2. All the fraudulent checks had check numbers that had already been used by me, most within 6 months previous.\n3. Most of the check amounts were abnormally high for my banking history. Seven of them were over {$2500.00} with two being for {$6000.00}. My house payment is usually my highest expense and it isnt even {$2500.00}.\n4. Several of the fraudulent checks were deposited on the same day and some were within one day of each other. This should have been a red flag. Within 7 weeks they had withdrawn {$31000.00} all written to the same person. To say this is an abnormally high amount of money to be withdrawn from my account in such a short period of time for the same person is a major understatement.\n5. The fraudulent checks all bore the same persons name, XXXX XXXX. I use checks for paying the same monthly utility and credit card bills, not people. This was a major abnormality in my 30 years of using this account.\n6. The fraudulent checks increased the volume of checks closing against my account in XX/XX/2020 by 100 %. This was highly unusual.\n7. The fraudulent checks were on paper stock that doesnt look like mine which I have been using for over 20 years.\n8. The thief used my checking account as a back door to my credit card. They stole money I didnt even have by overdrawing my checking account and activating my Wells Fargo credit card overdraft protection. Yet even the checks repeatedly overdrawing my account didnt get Wells Fargos attention. ( Wells Fargo did not send an alert text to my husbands phone for the overdrafts. His last text alert from them was on XX/XX/2020, 2.5 months before the fraud began. Neither did they email or call to alert me that my account overdrafted {$9000.00} onto my credit card ) All of the points above should have alerted the bank to fraud on my account as it is their business to daily oversee my financial transactions and they were in the best position to do so. Wells Fargo advertises its checking account by stating, Your account comes with 24/7 fraud monitoring and secure options to make purchases, send money, and pay bills. As the manager of our account, Wells Fargo had the best opportunity to catch the fraud and stop it, but they did not. A Wells Fargo representative from the Wells Fargo Executive Office told me that the bank has no obligation to site examine items that close against a customers account. When asked what protection the bank provides for my checking account, she told me that they rely on me to check my account every 30 days.\n\nI did identify and report the fraud within 30 days of the statement which had 11 of the thirteen fraudulent checks. However it was 40 days from the first two fraudulent charges so the bank is using that as an excuse not to refund my money.\n\nAccording to 7 American Jurisprudence, page 371, section 516 : \" A bank is under an obligation to its depositor to use care in scrutinizing checks paid in order to detect forgeries, and to render its accounts to prevent the perpetration of frauds upon its depositor. Therefore, if a bank, in the exercise of proper care, could have discovered the alteration or forgery of a customer 's checks, it can not throw the loss caused by paying them upon the depositor merely because he failed to examine his account. Or, stating the rule in terms of negligence, a bank which is guilty of negligence in failing to discover an alteration or forgery can not avoid liability on the ground that the depositor was negligent in failing to examine his balanced passbook, statement of account, or returned checks. ( Sommer v. Bank of Italy, supra ; Frankini v. Bank of America, supra ; National Dredging Co. v. President, etc., Farmers ' Bank, supra ; Leather Manufacturers ' Bank v. Morgan, 117 U.S. 96 [ 6 S. Ct. 657, 29 L. Ed . 811 ]. ) I contacted Wells Fargo several days after filing the fraud claim and learned that they hadnt even looked at the case yet. The Wells Fargo representative I spoke with stated that she would put an urgent note on the case to get it looked at more quickly. This delay of one week gave the thief ample time to realize my account had been closed and remove their money from the XXXX XXXX XXXX account they were depositing the fraudulent checks into. The Wells Fargo fraud department later reported to me that there was no money recovered so they were not obligated to return any funds to me. Wells Fargo has also denied my request to dispute or remove the overdraft charges the thief caused on my credit card of over {$9000.00}.\n\nIt is shocking to me that somebody can create counterfeits with a fake signature that bears absolutely no resemblance to mine and repeatedly use them to deposit unusually large sums of money totaling over {$31000.00} into their account over seven weeks without my bank noticing this gross abnormality. In my 30 years of banking history with this Wells Fargo checking account, Ive never written checks for 30 percent of my annual income in seven weeks.\n\nContrary to Wells Fargos claim that the loss is my fault for not notifying them within 30 days of the first fraudulent charges on my checking account, 7 American Jurisprudence, page 371, section 516 clearly states that it is the banks responsibility to scrutinize checks to detect forgeries on its depositors account. Wells Fargo did not do this and stated so. In fact, they did not appear to have any fraud monitoring measures in place at all. Therefore, the burden of the loss should be born completely by the bank because of their negligence.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4227428", "source": "cfpb", "group_id": "cfpb/1c990bc80fad9aaf2bc7", "variant": "clean", "length_bucket": "long", "chars": 5995, "company": "WELLS FARGO & COMPANY", "date_received": "2021-03-18", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "1c990bc80fad9aaf2bc732eb4c109653424287aa6317671a608786261a526dea", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.\n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.\n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.\n\nPlease investigate these matters and remove the disputed items as soon as possible.\n\n1. XXXX XXXX XXXX XXXXXXXX Case Number : XXXX Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report.\n\n2. XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.\n\n3. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n4. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n5. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n6. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n7. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n8. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n9. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n10. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n11. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n12. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.\n\n13. XXXXN Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n14. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.\n\n15. XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6536180", "source": "cfpb", "group_id": "cfpb/774c7705b1967c3fdfd7", "variant": "clean", "length_bucket": "long", "chars": 6215, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-02-06", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Unable to get your credit report or credit score", "sub_issue_raw": "Other problem getting your report or credit score", "text_sha256": "774c7705b1967c3fdfd718ed11075fd4bbd36d55f5263bed47288f0aa4b646e5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX at XXXX I went to the XXXX XXXX Branch of Capital One Bank, where I have XXXX or more accounts : XXXX personal and XXXX business. I wanted to send a wire and check my balances. I was asked if I needed to update my information, which I did ( address and tel numbers ) on XXXX of my accounts. I was told that \" I have to sign the change forms '', which I did. Afterward, I asked to get a copy of all the documents that I signed, and I was told that I could not have the copies. It was explained by more than XXXX employee, including the manger of the branch, that the policy forbids that they release those \" internal '' forms to me. I explained that as soon as my signature was required, and I signed the form, that whether they considered them \" internal '' or not, I was entitled to copies of my own documents that contained my signature. 3+hours later, I was told that the district manager would contact me, which she did. In the meantime, and since that time I still do not have copies of the forms that I signed, even though I requested them at each step.\n1. I have asked or a copy of the policy or policies that explain ( s ) the bank 's position on refusing to provide copies of forms signed by a customer of Capital One to said customer after he signs them.\n2. Though I was repeatedly told at the branch that this is \" the policy '' I have been given no straight, unequivocal answer as to whether such a policy exists ; nor have I been told that the bank will provide me with that or any other explanation as to why their address forms or any other documents which contain my signature may not be provided to me.\n3. I have been told that, according to the \" office of the President '' of Capital One bank, and \" XXXX '' who works in that department, that \" there are no disclosures '' that delineate the policy regarding the bank 's refusal to provide copies to the client of forms he just signed, but that any details about such policies as well as whether they exist is an \" internal '' issue.\n4. The answer in # XXXX is an example of the doublespeak and equivocation that I am describing : \" no disclosures '' in my understanding means no approved public material that the bank will release to explain their policy. That does NOT answer the question as to whether the bank is taking the position that they flatly refuse to make copies of a client 's signature and give it to him as part of ANY FORM that he signed.\n5. Another example is when I was told that \" if I want help from '' the office of the president that I 'm going to have to be specific about the \" documents that I am requesting. '' I told them that \" any form that has my signature on it '' are the forms that I am requesting in my particular case, but also:6. Because apparently the bank has a POLICY to refuse copies of client-signed documents to the client who signed them / this is a larger issue than just my particular case : The POLICIES as Well.\n7. I repeatedly suggested that if the bank would simply provide me their policy which explains how and when they refuse copies to clients, or the REGULATIONS from the OCC or the FED that creates an exception to the obvious logical position that any responsible company or person would provide such copies, I would happily go on about my business.\n8. In the meantime, I have no answers, nor do I have copies of the policies that I requested nor copies of paperwork with my signature, which I requested over 24 hours ago. ( XX/XX/2015 at XXXX is the current time. ) 9. The bank has created XXXX case numbers related to my inquiries /complaints : a. ( I do n't see this in my notes now ; will update later. ) b. XXXX. I have dealt with : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX branch in XXXX XXXX, XXXX XXXX XXXX, Regional Manager -- XXXX XXXX XXXX XXXX, XXXX XXXX, Office of the President, XXXX XXXX \" Escalations Dept ''", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1642084", "source": "cfpb", "group_id": "cfpb/50a20b26bf86795420fb", "variant": "clean", "length_bucket": "medium", "chars": 3868, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2015-11-05", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "50a20b26bf86795420fb81d7a84167a92ac44604ce263699ff831ecf45e8d138", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA.\n\nThe definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit.\n\nNotice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.\n\nThe following accounts need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4496745", "source": "cfpb", "group_id": "cfpb/f612ff0c16d0d2b828f8", "variant": "clean", "length_bucket": "medium", "chars": 1296, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2021-06-26", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "f612ff0c16d0d2b828f814f1edb5f1cf3812d437191b1b8696a8a1b00a09ba15", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Out of the blue I got a letter in mail from Chime ( www.chime.com ) that contained a welcome letter and a debit card with instructions to activate the card and the account. I was surprised as I had not heard of Chime nor had I submitted any application to open an account. I called the phone number on the card and talked to a woman and stated my problem. She asked me to give my social security number and she said without my social security number she won't be able to proceed or investigate. This made me even more anxious since it meant they already have my social security number and used that to open the account. Or else they were trying to get the social security number from me in the call. The woman said she will record the complaint but with no assurances about how it will be handled or without providing the information about how this account was opened without my knowledge or authorization.\n\nIt is certain that this is one of 2 possibilities : - identity theft where someone has stolen my identity to open the account - opening an account in my name without my authorization ( similar to the XXXX XXXX incident that happened a few years ago ).\n\nI am very concerned about this episode and would like to get to the bottom of this.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "opening", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/7498181", "source": "cfpb", "group_id": "cfpb/7077be04bb64d07cbdb9", "variant": "clean", "length_bucket": "medium", "chars": 1246, "company": "Chime Financial Inc", "date_received": "2023-09-04", "product_raw": "Checking or savings account", "issue_raw": "Opening an account", "sub_issue_raw": "Account opened without my consent or knowledge", "text_sha256": "7077be04bb64d07cbdb92a5e623188caac5f520ead6ea139896f85c110c07e1a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Fact, XXXX is aware that UNITED AUTO CREDIT is in violation of 15 U.S Code 1605 ( A ), 15 U.S Code 1605 ( A ) ( 1 ), 15 U.S Code 1605 ( A ) ( 2 ), 15 U.S Code 1605 ( A ) ( 3 ), 15 U.S Code 1605 ( A ) ( 4 ), 15 U.S Code 1605 ( A ) ( 5 ), 15 U.S Code 1605 ( B ), 15 U.S Code 1605 ( B ) ( 1 ), 15 U.S Code 1605 ( B ) ( 2 ), 15 U.S Code 1611 ( 1 ), 15 U.S Code 1611 ( 2 ), 15 U.S Code 1662 ( 1 ), 15 U.S Code 1662 ( 2 ), 16 CFR 433.2 ( A ), 16 CFR 433.2 ( B ), 16 CFR 444.3 ( A ) ( 1 ), 16 CFR 444.3 ( A ) ( 2 ), 16 CFR 444.3 ( B ), 16 CFR 444.3 ( C ) : Fact, Affiant is aware The Truth in Lending Act is intended to inform consumers about the cost of credit, Also is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.\n\nFact, XXXX is aware The Truth In Lending Act 15 USC 1605 States a finance charge which is sum of all charges, I was violated and charged a cash transaction of which should have included tags and plates, which is illegal in any consumer finance charge everything should be included in the finance charge along with insurance should be offered but we werent offered anything.\n\nFact, XXXX is aware and has proof in attachment labeled as exhibit A that UNITED AUTO CREDIT is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction. UNITED AUTO CREDIT in fact did not include the sum of all charges in the finance charge.\n\nFact, XXXX is aware and has proof in attachment labeled as exhibit B that UNITED AUTO CREDIT is in violation of 15 usc 1605. ( a ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. UNITED AUTO CREDIT did not include insurance in my finance charge.\n\nFact, XXXX is aware and has proof in attachment labeled as exhibit A and exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 usc 1611 XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provision of 15 usc 1601. They are now civilly and criminally liable.\n\nFact, XXXX is aware and has proof in attachment labeled as exhibit A that UNITED AUTO CREDIT is in violation of 15 usc 1662 for arranging and making me pay a down payment when the law states that No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.\n( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount.\n\nFact, XXXX is aware and has proof in attachment labeled as exhibit A that UNITED AUTO CREDIT is in violation of 16 CFR 444.3 - Unfair or deceptive cosigner practices states you must say to cosigner that : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt. Neither UNITED AUTO CREDIT or XXXX XXXX XXXX XXXX disclose anything pertaining to co-signing.\n\nFact, XXXX is aware that UNITED AUTO CREDIT is in violation of 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. states that In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREU is NDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. You failed to do BOTH.\n\nEvery law I mentioned UNITED AUTO CREDIT violated. As per congress UNITED AUTO CREDIT violated us, UNITED AUTO CREDIT is criminal liable pursuant 15 USC 1611 because UNITED AUTO CREDIT willingly knew that they were complying to a credit transaction that is fraud and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both I will be sending a debt validation, notarized affidavit of truth, & A Cease and desist. along with revocation of power of attorney. UNITED AUTO CREDIT will have 10 days to respond from the day they recieved the mail.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4815337", "source": "cfpb", "group_id": "cfpb/582986dd06d09c1bbd3b", "variant": "clean", "length_bucket": "long", "chars": 6020, "company": "United PanAm Financial Corp.", "date_received": "2021-10-16", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with additional products or services purchased with the loan", "text_sha256": "582986dd06d09c1bbd3b22b40645bd26c329453b9586b5d95dfc15eac7fa0c10", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "money_not_available", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/2765242", "source": "cfpb", "group_id": "cfpb/e8d193b1843c33f90af6", "variant": "clean", "length_bucket": "medium", "chars": 1874, "company": "Coinbase, Inc.", "date_received": "2017-12-27", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "e8d193b1843c33f90af6dfc0141479f2aeb21db406bda800b3ca957126b9ef7a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX XXXX 2017, I was notified via my employer of a wage garnishment I was not aware of. I did research in an effort to find out exactly what had occurred. I went to the payroll department to find a letter, not a court order for garnishment of wages. In the letter, the following Federal law was quoted : 102-164. Upon further inquiry, it is a company called National Enterprise Systems. They were garnishing me without notification or any means of making arrangements to settle the debt. I have never heard of this company. Do I have students loans? Absolutely. I am currently in contact with those debtors. The amount of money they are taking out has caused grave consequences to my family. I am currently not able to provide for my children, I have XXXX and I also help my elderly parents which I have been providing assistance to. They are garnishing close to {$500.00} per month. I am not able to pay my rent in XXXX. I received a copy of the letter today from my employer thinking it was a court order which gives consumers the right to respond and settle the debt. It is not a court order, but a letter which I have attached. I am unable to survive with this kind of money being deducted from my account without sufficient notification to settle this dispute.\n<P/>\nThe letter is attached which was obtained today. I contacted them with the number retrieved from the letter trying to find validity.\n<P/>\nBased on the law they quoted, the following did not occur. : ( 2 ) the individual shall be provided written notice, sent by mail to the individuals last known address, a minimum of 30 days prior to the initiation of proceedings, from the guaranty agency or the Secretary, as appropriate, informing such individual of the nature and amount of the loan obligation to be collected, the intention of the guaranty agency or the Secretary, as appropriate, to initiate proceedings to collect the debt through deductions from pay, and an explanation of the rights of the individual under this section ; ( 3 ) the individual shall be provided an opportunity to inspect and copy records relating to the debt ; ( 4 ) the individual shall be provided an opportunity to enter into a written agreement with the guaranty agency or the Secretary, under terms agreeable to the Secretary, or the head of the guaranty agency or his designee, as appropriate, to establish a schedule for the repayment of the debt ; ( 5 ) the individual shall be provided an opportunity for a hearing in accordance with subsection ( b ) on the determination of the Secretary or the guaranty agency, as appropriate, concerning the existence or the amount of the debt, and, in the case of an individual whose repayment schedule is established other than by a written agreement pursuant to paragraph ( 4 ), concerning the terms of the repayment schedule ; ( 6 ) the employer shall pay to the Secretary or the guaranty agency as directed in the withholding order issued in this action, and shall be liable for, and the Secretary or the guaranty agency, as appropriate, may sue the employer in a State or Federal court of competent jurisdiction to recover, any amount that such employer fails to withhold from wages due an employee following receipt of such employer of notice of the withholding order, plus attorneys fees, costs, and, in the courts discretion, punitive damages, but such employer shall not be required to vary the normal pay and disbursement cycles in order to comply with this paragraph ; ( 7 ) if an individual has been reemployed within 12 months after having been involuntarily separated from employment, no amount may be deducted from the disposable pay of such individual until such individual has been reemployed continuously for at least 12 months ; and ( 8 ) an employer may not discharge from employment, refuse to employ, or take disciplinary action against an individual subject to wage withholding in accordance with this section by reason of the fact that the individuals wages have been subject to garnishment under this section, and such individual may sue in a State or Federal court of competent jurisdiction any employer who takes such action. The court shall award attorneys fees to a prevailing employee and, in its discretion, may order reinstatement of the individual, award punitive damages and back pay to the employee, or order such other remedy as may be reasonably necessary. Based on the law provided in their letter, not court order the following information is stated : I was never contacted via phone, mail, email or any other entity. If they were able to acquire my employment information, surely they could have contacted me if they had no way of contacting me. None of this occurred. I am not able to pay basic bills with this wage garnishment. I 'm am behind on basic needs after 3 garnishment deductions. Help is desperately needed in this matter.\n<P/><P/>\n( b ) Hearing requirements A hearing described in subsection ( a ) ( 5 ) shall be provided prior to issuance of a garnishment order if the individual, on or before the 15th day following the mailing of the notice described in subsection ( a ) ( 2 ), and in accordance with such procedures as the Secretary or the head of the guaranty agency, as appropriate, may prescribe, files a petition requesting such a hearing. If the individual does not file a petition requesting a hearing prior to such date, the Secretary or the guaranty agency, as appropriate, shall provide the individual a hearing under subsection ( a ) ( 5 ) upon request, but such hearing need not be provided prior to issuance of a garnishment order. A hearing under subsection ( a ) ( 5 ) may not be conducted by an individual under the supervision or control of the head of the guaranty agency, except that nothing in this sentence shall be construed to prohibit the appointment of an administrative law judge. The hearing official shall issue a final decision at the earliest practicable date, but not later than 60 days after the filing of the petition requesting the hearing.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2542777", "source": "cfpb", "group_id": "cfpb/df5b83c59db96a217a2c", "variant": "clean", "length_bucket": "long", "chars": 6028, "company": "National Enterprise Systems, Inc.", "date_received": "2017-06-14", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "df5b83c59db96a217a2c67f24f202ca4c8c0f5101d3713118f81dde9f5fe0d96", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us.\n\nBarclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they payment.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2756563", "source": "cfpb", "group_id": "cfpb/634083c552beeca180f9", "variant": "clean", "length_bucket": "short", "chars": 858, "company": "BARCLAYS BANK DELAWARE", "date_received": "2017-12-15", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with the payoff process at the end of the loan", "sub_issue_raw": "", "text_sha256": "634083c552beeca180f92997f44f8d9ede933f517f2c23fb9640975719e7d4d4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am a part of the PSLF program ( public service loan forgiveness ). I am a XXXX in North Carolina. Upon review of my certified payments through XXXX Servicing ( XXXX ), I noticed a discrepancy and called to speak with a representative on XX/XX/XXXX. I was told I needed to go online and fill out a contact form. I immediately did that with the discrepancy information. They have 6 months of qualifying payments missing from one of my certified documents and another 9 qualifying payments from another. All I received were confirmation emails that they received my concern and would contact me \" as soon as possible. '' I waited and sent additional emails on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these emails have gone unanswered other than one of them on XX/XX/XXXX when I mentioned I may need to seek legal counsel, to which a representative named XXXX replied that \" We are currently reviewing your qualifying payments for Public Service Loan Forgiveness. This is a manual process and can take a great deal of time. We understand it is frustrating to wait, and we apologize for not having a precise time frame for this process. At this time we have many requests of this nature and are working as quickly and accurately as possible to satisfy all requests. '' Other than that, I have received no response. I'm concerned that my loan forgiveness is not only inaccurate but that I have virtually no recourse in how long or even IF my payments will be corrected as the customer representatives will not speak with me about it and no one will email me back. It's preposterous! How are they able to deal with government-backed loan programs and run a business like this?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3182275", "source": "cfpb", "group_id": "cfpb/8f5ebcb11a9910980677", "variant": "clean", "length_bucket": "medium", "chars": 1697, "company": "AES/PHEAA", "date_received": "2019-03-17", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "8f5ebcb11a99109806776150b71730cb6d9197a947510b8446116aa1a56cc278", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "negative_or_legal_action", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/1685862", "source": "cfpb", "group_id": "cfpb/df238e36fd468aabe27b", "variant": "clean", "length_bucket": "short", "chars": 430, "company": "Populus Financial Group, Inc. (F/K/A Ace Cash Express)", "date_received": "2015-12-07", "product_raw": "Debt collection", "issue_raw": "Taking/threatening an illegal action", "sub_issue_raw": "Threatened arrest/jail if do not pay", "text_sha256": "df238e36fd468aabe27bbba0bf2f9330c50df3e9b3f8717ce91ca61a151d5a8e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Recently I went through some financial short comings when I lost my job in XX/XX/XXXX.\nDuring this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1956076", "source": "cfpb", "group_id": "cfpb/a8febabe68792edf0e8f", "variant": "clean", "length_bucket": "short", "chars": 492, "company": "U.S. BANCORP", "date_received": "2016-06-06", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "a8febabe68792edf0e8f49bc8427343169e018a85f7478449411237a705f6afb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ditech servicing LLC has made continuous error on my account since XXXX XXXX . I have called every month and spoke with multiple parties and was told the matter would be fixed and it was and each month the problem continued The problem : my mortgage is {$880.00} per month. Every two weeks for years Ditech has been sent {$500.00} every two weeks. Their policy is they have an account called unapplied funds that partial payments when received would stay until full payment is received. However what I was noticing is that Ditech was not adhering to that practice and allowing the money intended for payment to accumulate in unapplied funds. Every month I called explained how I wanted the payment to be applied with the overage to principle and each time I called I was told the matter would be resolved and it continued for 9 months continuously. PLEASE NOTE : I record all calls with Ditech and can substantiate each call/ contact with them regarding my account and validate each time I was told the matter would be fixed.\nDue to the practice of Ditech I accumulated multiple late fees erroneously with no notifications In receiving my XXXX , the calculation was noted erroneously by my accountant and I noted a late fee I involved XXXX XXXX the owner of my loan and involved them also of the practice of Ditech in XXXX . They have been no help in attempting to resolve matters and have even absolved themselves of all responsibility for the practice of Ditech In XXXX XXXX I spoke with a director and a loan process personnel and was told that due to an upgrade their system was incapable of recognizing how to address my partial payments and a reallocation of my entire loan was made. However in a review of the allocation of the funds allegedly being applied appropriately my principal balance increased instead of decreasing. I have written Ditech multiple times requesting a review and received an email from their AVP XXXX XXXX stating that the allocation was correct and they will not address my concerns. In XXXX XXXX I received an escrow shortage statement stating that my payments would increase because my escrow analysis was low .In calling Ditech I was first told my property taxes had increased and that contributed to the increase. This was a lie, the city treasurer confirmed my taxes remained the same. Then I was told that city had sent them my storm water bill and they would pay that on my behalf. However, I was paying my stormwater bill on my own via web bill through my bank and there were no delinquencies. This prompted an inquiry to why now would the stormwater bill be sent to the company and confirmed by the city treasurer again the practice is not to send duplicate billings to the owner and the mortgage company. the only time they would if its requested which they confirmed it was, but it was already paid by me. This prompted a complaint with the BBB and now I have received another analysis indicating that I am in NOW in a surplus and my monthly payment has decreased {$120.00}. I have ceased sending the overage amount and have complied with only sending the intended amount due for the month of {$880.00} and my funds still continue to be transferred to their unapplied funds sitting there with multiple calls and emails sent to them demanding to apply to the intended payment even with the direction indicated on the memo.\nDue to this companies continued errors it has placed my account in default when in fact I have been paid ahead on my loan by one month and they have sent a collector to my home, sent multiple collection letters. I have filed a protective order against the company and a cease and desist regarding being in collections when my account is well within in compliance This company is in violation of the fair collection act because I was never in default, never have been late with payments THEIR practice of mishandling payments has caused multiple errors. I have given them 1 year to fix this and as of today, their AVP has responded after 45 days of no response that they are still working on matters. What is acceptable time frame because I think if in court I have been more than reasonable with attempting to mediate matters with them and it has been unsuccessful.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2578572", "source": "cfpb", "group_id": "cfpb/1ea1a33879ab337eadaf", "variant": "clean", "length_bucket": "long", "chars": 4261, "company": "Ditech Financial LLC", "date_received": "2017-07-18", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "1ea1a33879ab337eadaf1cf23a81c36343b141e90d7128cdadb38406445e391b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX opened 7 fraudulent accounts, where they list me as a cosigner. All the applications contain mostly false information about me ; e-mail, employer, income, assets, mortgage, citizenship status, electronic signature, etc.\n\nThe loans were approved by XXXX XXXX, based on applications that were completed and signed only by the borrower without my knowledge, permission or authorization.\n\nFollowing a previous complaint, XXXX XXXX investigated the fraud, and based on evidence I provided, they accepted my allegations of identity theft. My name was removed from 6 out of 7 fraudulent accounts.\n\nXXXX XXXX did not remove my name from account XXXX, because, they claim it was obtained with my knowledge, permission and authorization.\n\nThis is inaccurate, it was obtained without my knowledge, authorization, permission or signature.\n\nAccording to page 1, Section C on the application, my knowledge and my signature are required for this application to be approved by XXXX XXXX. The borrower completed this application, same as the others, as XXXX XXXX knows, with false information about me and her signature, without my knowledge or signature.\n\nXXXX XXXX knows the borrower filled and signed as the borrower and as the cosigner.\n\nSince the loan was approved based on fraudulent misrepresentation. I do not understand why XXXX XXXX did not remove me from this account like the others.\n\nI want to be removed from this account, and remove it from my credit file.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2926488", "source": "cfpb", "group_id": "cfpb/4c0b16eb59d1cf511b05", "variant": "clean", "length_bucket": "medium", "chars": 1472, "company": "SLM CORPORATION", "date_received": "2018-06-05", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "4c0b16eb59d1cf511b055897f5334d92a730b93f84bc3c330868cdeb37e98e11", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am the XXXX over an estate account that I set up at Bank of America, on the day of XX/XX/year> I sent a wire to my personal account at XXXX XXXX XXXX XXXX from the estate account at Bank of America. The wire cleared on XX/XX/year> and the day after I went to withdraw money at XXXX XXXX XXXX XXXX branch where they discriminated against me and locked my personal account that has now been locked for an Entire Week! Every time I call XXXX XXXX they are saying that all they have been waiting on is Bank of America to send a SERVICE REQUEST MESSAGE To them ( XXXX XXXX XXXX XXXX ) for a week now and BANK OF AMERICA TO THIS DAY XX/XX/year> STILL HAS NOT SENT THEM THAT INFORMATION SO THAT XXXX XXXX CAN RELEASE MY FUNDS AND UNLOCK MY ACCOUNT! I feel like every time I call BANK OF AMERICA, I'm not being heard, they shove me to the side, give me incorrect information and has even lied to me just to get me off the phone. THEY HAVE SERIOUSLY DROPPED THE BALL AND I DEMAND TO GET RESULTS IMMEDIATLY! I HAVE BILLS THAT ARE NOW PAST DUE AND AT RISK OF GOING TO COLLECTIONS BECAUSE IT HAS TAKEN THEM MORE THAN A WEEK TO SEND XXXX XXXX A SIMPLE SERVICE CONFORMATION MESSAGE SO THAT XXXX XXXX CAN UNLOCK MY ACCOUNT!! THIS IS UNACCEPTABLE!!!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10737039", "source": "cfpb", "group_id": "cfpb/27d3b185ac2126616efa", "variant": "clean", "length_bucket": "medium", "chars": 1235, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-11-08", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other service problem", "sub_issue_raw": "", "text_sha256": "27d3b185ac2126616efa9bd687553fd6491b89fed6f4ddfb75c4691625bea67a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My checking account was debited on XXXX for XXXX as an internal payment to my personal line of credit. However payment never posted and personal line of credit service says they never got. However it posted and was debited out of my checking account so money is now lost and no one seems able to help me. SOFI Bank is the institution.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/9297158", "source": "cfpb", "group_id": "cfpb/3c25db025a44f1f7aa1e", "variant": "clean", "length_bucket": "short", "chars": 334, "company": "SOFI TECHNOLOGIES, INC.", "date_received": "2024-06-19", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Money was taken from your account on the wrong day or for the wrong amount", "text_sha256": "3c25db025a44f1f7aa1e40e7b8d51bd00fda0eda35d536a710a19581dd81c794", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am an XXXX for a debt collections law firm, I know the FDCPA and FCRA to a T. This company has called my brother who is XXXX, my father, my sister, my mother and myself. The first time they ever contacted me was XXXX XXXX. I was told the debt originated in XXXX iao {$600.00} through a payday loan online service. I have never taken out a payday loan in my life. And in XXXX, I was XXXX. I think I would 've remembered {$600.00} dropping into my account. They stated that they did n't have to send me validation because they are a 'mediation ' company and that they were going to pursue suit for the debt. My father LITERALLY had to call and harass them over and over for 2 hours before they agreed to take our numbers out of their system, because the collector told him he would n't stop calling us and that he did n't have to stop! And not before they cursed him out calling him an XXXX among other things. I have n't received any calls until today - XXXX/XXXX/XXXX. I received a voicemail from XXXX, threatening to call any other references I may have provided so I called back not knowing it was the same company. Today, the story was that the debt originated in XXXX at an in store payday loan provider ( I would 've been XXXX ) and it is for {$300.00} from an in store payday loan provider company called XXXX XXXX. I have not received validation, and if this debt is valid, I will file a police report for fraud. However, if this harassment continues I will get an attorney - XXXX. I spoke with XXXX today, and they did not verify any information ( which is required for consumer protection ) and GAVE ME MY OWN SSN! I have googled the number and the situation, and many others have deemed this as a scam. I want them stopped TODAY!! I have never received any phone calls from so called XXXX XXXX XXXX advising I had this debt, never received letters - if they 're so great at locating my entire family you 'd think I would 've received one phone call? Funny how that works. When XXXX realized I knew what I was talking about, he immediately said he 'd put a hold on the account and that I would n't receive any more phone calls. If this debt is valid they 're going to have to sue me to get their money because I 'll get that dropped and file a counterclaim against them for violation of the FDCPA and they 'll have to pay me 10X more than the mere {$300.00} they say I owe. I do not owe this debt - and this is a scam. Good luck NP Group, not getting one over one me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1835582", "source": "cfpb", "group_id": "cfpb/c545c70673d648c20a08", "variant": "clean", "length_bucket": "medium", "chars": 2478, "company": "National Principal Group, LLC", "date_received": "2016-03-16", "product_raw": "Payday loan", "issue_raw": "Charged fees or interest I didn't expect", "sub_issue_raw": "", "text_sha256": "c545c70673d648c20a086edd3519d164c4f927e55d044639d3e8d7838eed7913", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a Mortgage Loan on my PRIMARY RESIDENCE. It is XXXX XXXX. It was initially serviced by XXXX XXXX XXXX, then NationStar and now by Mr.Cooper ( Mortgage Statement Attached ). I had applied for a HAMP Loan Modification in XX/XX/XXXX. Successively, both XXXX and NationStar messed up my Loan Mod files and even missed accounting for 1 Trial Period payment.\n\nBe that as it may, now I am trying to refinance the Loan and pay Mr.Cooper off. I am attaching the Loan Commitment Letter for my Refinance ( as also the Pay Off Letter from the Attorneys of Mr.Cooper ) and am about to close and Pay off Mr.Cooper. I sent the same to Mr.Cooper and their Attorneys also and am in the process of clearing some Title Issues with the new Lender.\n\nHowever, the property is scheduled to be auctioned on XX/XX/XXXX - in 8 days time. It is my Primary home and I do not want to lose it.\n\nTo give me enough breathing time, I have requested both Mr.Cooper and their Attorneys to postpone the sale till the month end at least but both of them are very adamant and not agreeing to postpone the sale.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3120907", "source": "cfpb", "group_id": "cfpb/fa2e31c09b9fa011c72c", "variant": "clean", "length_bucket": "short", "chars": 1084, "company": "Mr. Cooper Group Inc.", "date_received": "2019-01-09", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "fa2e31c09b9fa011c72cb289b11f54f0fe698ac490cd7ebf8fad6c2adbfcf777", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been receiving constant communications from this lender ( Via Text ) on different occasions ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and most recently ( XX/XX/XXXX & TODAY -- see enclosed screenshots ). So, I applied online for a loan, and was IMMEDIATELY denied. I believe the reason why I was denied -- -due to the fact I filed a complaint against this SAME Company back in XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9816128", "source": "cfpb", "group_id": "cfpb/6bad2a42c2d331dfd013", "variant": "clean", "length_bucket": "short", "chars": 407, "company": "Lac Courte Oreilles Financial Services II", "date_received": "2024-08-15", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Problem with personal statement of dispute", "text_sha256": "6bad2a42c2d331dfd01376149b6094e985152877aac2464906fb7b2eec07bc2d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have numerous things on my credit file that isn't mine including an XXXX XXXX report I've never been in the XXXX so how is this possible for not being immediately removed. Also this collection agency reopened a case that was closed after I disputed it too many times to count for over several years, and then keeps reselling it to different collection agency. I have sent proof in XXXX or XXXX of different police reports of identity theft and not sure why it's still not there. I have also been cleared of collections after direct contact with a consumer with proof of identity theft and one of the collectors is the same collection agency contacting me again after I received a letter they would not contact me again. And now that they have my actual address and phone number, I'm being harassed I also know of a law that once was present that if a company keeps selling off a debt not paid that their insurance pays for it. How many years and times are they allowed to collect from their insurance? Wouldn't it be fraud to keep collecting from their insurance as many times I have disputed this? I also know of a distant cousin I've never met in person but know of with the same name as me, as many others in our family line named after a great great Aunt but born a year early than I was in XXXX, that I have had an issue with pharmacies trying to give me her medication and I would half to argue isn't mine. And they would ask if I was born in XXXX, and half to state no I was born in XXXX! That lives in XXXX XXXX, mo. I also know my great aunt I'm named after lives in XXXX XXXX, Ark or near XXXX XXXX, she was born in the XXXX, and if I'm correct in XXXX, but I would half to check her profile to see.\nI have also noticed even recently my phone acts like it has something wrong with it and my email has been getting notifications that I've applied for some credit places I've never heard of before or seen before and I'm seeing them on my credit report. And that I've been paid a check once from an employer? It doesn't give details, but from where?? I haven't been paid in awhile. And the only XXXX card I have ever had was in the XXXX in the last name as XXXX, and it went through bankruptcy in XXXX. How can they reopen that if a judge signed it off in bankruptcy, if this is the card they are referring to?? I can't remember the lawyers name that I had, but they were across the street from XXXX XXXX XXXX in XXXX. Isn't that against the law also? To reopen a debt that was signed off by a bankruptcy judge??? I think a lot of these collection agencies need investigated and some of these credit card companies when there is proof of identity theft, and apparently after a year the person and group of people that stole my purse XXXX XXXX has decided to commit fraud again. And XXXX of those people even called in stating she owned the shoe department that I never got my money back from when they decided to buy shoes to return and because I went to the store and made them check their cameras if I was in their store when the theft was done using my card to purchase the shoes. In the man who sold them said he thought it was odd she had XXXX purses and dumped it in the floor to find a card she could use before the bank had the chance to close my card while I was on the phone with the bank when they used it and I was getting the text alerts everywhere they went to use my cards. As they went to XXXX to use my XXXX card for {$1.00} at gas station and realized they weren't able to use it. But managed a year later somehow to open a new card in another name I would not ever use, while I had my card, until I noticed it. Called XXXX XXXXXXXX and when they realized it was fraud they closed that card where they couldn't keep using it. Social security number on my credit file and phone numbers that weren't mine. I'm also getting a XXXX XXXX collection now from this same collection agency that I'm unaware of! I am a prepaid customer until I signed on with XXXX and now that XXXX XXXX XXXX im with XXXX. I tried XXXX XXXX but paid the phone off and returned the router because they kept letting someone else use my identity to buy some kind of devices I have never received ever at an address I never lived at before, also in a whole different county in a different state all that this was taken place. I can't be in four or five different places at once. The XXXX said that this would take time to resolve, but this has gotten ridiculous. And I have seen my score of XXXX plunge to XXXX after asking the credit score place to speak on my behalf because I was tired of repeating myself and getting nowhere. I have asked to be repaid for the identity theft and how it has affected our life. Even with my children 's identity. And that's when it starts to get silent for a very short period. I'm asking for help to get paid for the identity theft and the mix ups of someone else as how it has effected us. I also have noticed when I went to get title to my XXXX that they said I had another XXXX?? Since when do I own two vehicles at same time? And I have noticed other issues.. And most of this revolves around this collection agency and two cellphone companies I have never had, except for a month with XXXX XXXX and then paid it off and we t back to prepaid, and the main reason of trying them, is to see where these devices I never received was opened up at. In which they said they couldn't tell me anything but that it was bought in or near XXXX XXXX, mo and that I would half to talk to them in person since I couldn't verify the security check with that account. I am asking compensation for my trouble and how it's impacted my score and how much it's costing me in security deposits, insurance. And how I'm being harassed now??", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9040107", "source": "cfpb", "group_id": "cfpb/00168614372c3694b790", "variant": "clean", "length_bucket": "long", "chars": 5755, "company": "SYNCHRONY FINANCIAL", "date_received": "2024-05-18", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "00168614372c3694b7904d003461def5657d79b4776c2f36a103063be5ccaddf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message.\n\nI have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their XXXX, who was also unable to help and could not suggest how to resolve the issue.\n\nThis means that my only method of paying my student loan ( as I live outside the country ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment.\n\nOf course I am concerned about not being able to make timely payments because of issues which appear to be on their end.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7506436", "source": "cfpb", "group_id": "cfpb/a01ce778b02cb7cbc50d", "variant": "clean", "length_bucket": "medium", "chars": 1202, "company": "EdFinancial Services", "date_received": "2023-09-06", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "a01ce778b02cb7cbc50dbc706087fcf60b0a349c303ebd1d09535b95177fb64a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "During the housing market crash I went through a divorce and fell behind on my mortgage. After a lengthy process, including a 6-month trial period of paying what would be my modified mortgage payment on time, I was able to qualify for a loan modification under the Federal Housing Administrations Home Affordable Modification Program ( FHA-HAMP ) with my original home loan servicer XXXX XXXX XXXX ( XXXX ).\nAs evident by Home Loan Modification Documents ( see attachment ) this loan modification went into effect on XX/XX/XXXX. The first check to cover this first payment ( {$1900.00} ) was sent on XX/XX/XXXX ( attachment First Payment XXXX ). Two things happened to this payment. First, it arrived at XXXX BEFORE the modification went into effect. Because of this ( according to XXXX ) the check could not be applied to the loan modification. The refund check was drafted by XXXX XXXX XXXX and a check in the same amount reissued on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX. # XXXX ) through the US Postal Service ( Affidavit for Arrest attachment ). This check was stolen from the mailbox at my current residence by my ex-husband, signatures were forged on the check, and the check was unlawfully deposited by my ex-husband into his bank account on XX/XX/XXXX ( see Affidavit for Arrest and Forged Check and Signature Card attachments ).\nFrom the outset of the loan modification the FIRST payment was obviously missing, a case of theft, my next payment in XXXX of XXXX and EVERY payment since has been on time for both XXXX ( thru XX/XX/XXXX ) and for Carrington Home Mortgages ( who assumed the loan in XX/XX/XXXX ).\nThe initial issues with this loan arose with XXXX XXXX XXXX when the first missing payment began showing as an overdue payment on my monthly statements in late XXXX/earlyXXXX. I did not know at this time of the theft of the first payment check. Then the phone calls started ( several a week ) warning of foreclosure if I didnt come current on my payments. Then the monthly letters started also warning of foreclosure if I didnt come current on my payments. Then my credit was ruined with running 30 day late assessed to my credit history since late XXXX. According to my bank records every payment had been cashed by XXXX so the question was how was I missing a payment? I then spent tens of hours on the phone with multiple different with XXXX representatives over the next year and a half asking a simple question. What payment is missing? Every time I would explain my bank statements showed everything went through. Every time I would have the representative investigate my file and say something along the lines of I cant really tell from here that theres anything wrong, you just need to pay to get current. This was not an answer to my question and I wasnt going to pay nearly {$1900.00} for a missing payment that wasnt missing. Occasionally these conversations would get bumped up to supervisor, same results, no answers, just pay the money or face the consequences.\nBecause of the running 30-day delinquency on my credit history I was also unable to refinance my house when interest rates first dropped in the mid XXXX. Refinancing would have not only saved me thousands of dollars but I had to do it by court mandate in order to get my ex-husbands name off of the mortgage.\nIt was not until XXXX/XXXX/XXXX that someone finally said Send us ( XXXX XXXX XXXX ) your checking statements and we will investigate it ( XXXX Customer Service XXXX attachment ). I sent the same bank statements that are attached to this complaint to XXXX XXXX XXXX showing every payment on this account being accounted for. Thirty days for our research department to investigate this I was told. Never got a response, and when I did inquire to XXXX by phone about 60 days later the representative could tell me nothing. No notes in her computer, no verification of the documents Id sent, nothing.\nThen, in late XXXX a XXXX representative, who apparently was much brighter than the dozen I had talked with over the last 2 years, was looking though my files and noted that Your first payment was returned to you because we ( XXXX ) had received it prior to you loan modification being finalized. It took 2 YEARS for someone at XXXX to tell me my first payment never happened and why it never was applied to my mortgage. Once I had this critical piece of information I went back, pulled the check, realized what had happened and filed a criminal complaint. I also notified XXXX what I suspected had happened, sent in the preliminary arrest affidavit, and was told well fix things once the case is settled. I first attempted to reclaim the {$1900.00} directly from my ex-husband without involving the court system. This lasted about 12 months with no resolution. I then turned the case over to local law enforcement around XX/XX/XXXX. From the time of the initial discovery of the theft until final prosecution was approximately 18 months ( attachments Affidavit for Arrest, DA letter, FinaXXXX Sentencing, forged check signature card ).\nAt some point in XXXX my monthly statements changed again. Now it was behind by TWO payments ( attachment XXXX statement XXXX ). Another series of phone calls to XXXX, tens of wasted hours asking multiple representatives and supervisors the question What payment is missing? again resulted in the same responses Were not sure.but you have to pay or were going to foreclose.\nIn XXXX of XXXX I was notified that my loan was being purchased by and would be serviced by Carrington Home Mortgage ( CHM ) effective XX/XX/XXXX. In XX/XX/XXXX I called CHM to explain both the status of the theft case and my disputing of a second missing payment on my account to. I was told to 1 ) submit a theft affidavit ( see attached ) and to call back in one month since we dont have your entire file from XXXX and they have xx days to get it to us.\nWhen it was clear the case was going to be successful I made two payments to CHM in XX/XX/XXXX. One payment on XX/XX/XXXX for {$2000.00} was to cover the first ( stolen ) payment ( including late fees ) of this loan. I did this 3 months ahead of the actual restitution payment as a show of good faith to CHM. The second payment of {$1900.00} on XX/XX/XXXX was my regular monthly payment to XXXX. At this point I was still behind one payment, CHM still could not account for it, and I still had a running 30 day late on my credit report.\nAt this point I should have been 1 ) Fully current on my modified loan and 2 ) Should have had all the running 30 day late payments from XXXX on my credit history expunged. But since XXXX added a 2nd missing payment to my account, again with no explanation as to what payment was missing even in the face of bank records to show otherwise, this saga continued.\nMuch as I had done with XXXX, in XXXX of XXXX ( Carrington Research XXXX ) I forwarded the same documents attached to this letter to the research department of CHM. The response to this inquiry was CHM only looking at the loan for the past 3 months since they assumed it and claiming they had not yet received the full file from XXXX. Same process repeated in XXXX of XXXX. Talked to a CHM representative early XX/XX/XXXX, was told that she would look into it, got a fax number, heard nothing, tried to contact via fax ( Carrington Letter XXXX ), no response. Resent the documents from this letter to CHM research department ( Carrington Document Receipt XXXX ). Again, no response.\n\nIve have gone to great lengths to resolve this issue of a bogus delinquent payment and still am unable to have an adequate resolution. XXXX is primarily responsible for this issue. My bank records show my only missed payment was my first payment and that was due to a theft case. XXXX was made aware of the theft, was kept up to date on the status of the case, still added a 2nd mystery missing payment to my account. Carrington Home Mortgages has inherited this mess but has proven equally incompetent in resolving this situation despite receiving adequate documentation on multiple occasions.\nI am tired of receiving multiple calls per week for 5 years over a bogus missing payment. Im tired of receiving monthly notices of threatened foreclosure over a bogus missing payment. I have been prevented from attempting to refinancing my house multiple times at a significantly lower rate over the past 4 years and still have my ex-husband listed on mortgage over a missing bogus payment. My credit has been wrecked for 5 years with running 30/60 day late payments over a bogus missing payment ( s ). I have wasted literally days on the phone explaining a complicated issue to dozens of representatives from XXXX and CHM, been escalated to managers, faxed reams of supporting paperwork to research departments and still I suffer over a bogus missing payment.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3003337", "source": "cfpb", "group_id": "cfpb/f0c724612a8c96ab95bd", "variant": "clean", "length_bucket": "long", "chars": 8823, "company": "CARRINGTON MORTGAGE SERVICES, LLC", "date_received": "2018-08-27", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "f0c724612a8c96ab95bdbc345963a5c6779ddff8c32772677947547e7e821017", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "AmeriHome Mortgage company bought my mortgage from another company almost a year ago. In XXXX of this year I got a notice saying I owed {$990.00} in shortage.\nThe shortage had to do with property insurance increase. I switched insurance companies that was {$620.00} a year less.\nInstead of my mortgage payment go down it went up to {$1300.00} The first insure reimbursed me {$1700.00} which I gave to AmeriHome Mortgage Co. to apply escrow.\nNow my mortgage payment went up from {$1500.00} to {$1700.00} in XX/XX/XXXX and will go up again starting XXXX to {$1700.00} a month.\nI was told because they paid the second insurance for the year also.\nThe first insurance was paid on XX/XX/XXXX and cancelled on XX/XX/XXXX which equalled 5 months leaving 7 months for the new insurance to cover not XXXX mire months.\nThe AmeriHome mortgage received {$1700.00} refund of what they paid the first ins. company. They want me to pay 2 months of escrow in advance by XX/XX/XXXX or my mortgage payment will be an additional payment of {$190.00} to my existing payment of {$1500.00} a month making it {$1700.00} in XX/XX/XXXX and in XX/XX/XXXX payment will increase again to {$1700.00} for 12 months unless I pay {$1300.00} by XX/XX/XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/6349515", "source": "cfpb", "group_id": "cfpb/5e26f64cfdc059f14773", "variant": "clean", "length_bucket": "medium", "chars": 1229, "company": "AmeriHome Mortgage Company, LLC", "date_received": "2022-12-21", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "5e26f64cfdc059f14773b73cfbae33693aaa1c659052bcc2b50a6e0743cbe7aa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "HI I XXXX XXXX XXXX HOPE THIS COMPLAINT FINDS YOU WELL BECAUSE IM NOT DOING WELL I AM STRESSED OUT I am verifying that THESE NEGATIVE ACCOUNTS ON MY CREDIT REPORT ARE NOT MINE I DON'T KNOW WHERE THEY CAME FROM there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and THESE NEGATIVE ACCOUNTS account to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE ACCOUNTS & INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a \" debt '', but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by XXXX, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term \" person '' means a natural person or an organization. ( f ) The term \" credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I \" OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities. FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors AND THE CFPB AND XXXX AND ATTORNEY GENERAL OFFICE AS WELL and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious \" debts ' that are not validated by the original creditor, which makes me feel very harassed AND SAD. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a \" debt '' that they reported to my credit report illegally. 15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting \" late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit. 15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general 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. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general 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. ****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9142628", "source": "cfpb", "group_id": "cfpb/19cf1df29dbd12acee77", "variant": "clean", "length_bucket": "long", "chars": 10625, "company": "EQUIFAX, INC.", "date_received": "2024-05-31", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "19cf1df29dbd12acee778338aede9627920dbaf81ad6f799bc64cfc94c7bf9c9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary.\nI call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere.\nI get the impression that securit has. Nothing to do except block account features.\nThey are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2407460", "source": "cfpb", "group_id": "cfpb/d50a1517ce3bd8eb2dce", "variant": "clean", "length_bucket": "short", "chars": 802, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2017-03-28", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "d50a1517ce3bd8eb2dcefa1c68876b242b627235eec56f88c76fb5d489e54603", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chime is suspicious of me for receiving unemployment from Michigan when I currently live in XXXX. Theyre asking for me to verify how I qualified when i simply called in and gave the unemployment office my employer ID and social and verified my residents. Ive sent them my approval letters from the state of XXXX and theyre refusing. Please assist me in getting them to actively investigate by calling the unemployment office and release my funds so to stop playing XXXX with financially vulnerable people because they can without consequences.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6589123", "source": "cfpb", "group_id": "cfpb/1b61e2201e36bbbfb982", "variant": "clean", "length_bucket": "short", "chars": 544, "company": "Chime Financial Inc", "date_received": "2023-02-18", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "1b61e2201e36bbbfb9825f5c8a94b4354aedf856feebc2488b3a5339791f33cb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/2727592", "source": "cfpb", "group_id": "cfpb/8658cdf5c6011802771a", "variant": "clean", "length_bucket": "short", "chars": 785, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2017-11-13", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "8658cdf5c6011802771ad80b7ccc06c6936974365211308f5b69f0905265fdd6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "New Complaint!\nSince my prior Complaint I have been the victim of identity theft, reported to the police!\nThere are charges on my statement I didn't incur and our fraudulent!\nFurther, I purchased items at XXXX I was supposed to receive a discount as a XXXX XXXX Card holder, I never received!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3249262", "source": "cfpb", "group_id": "cfpb/2b71f24f32ab9a5f3787", "variant": "clean", "length_bucket": "short", "chars": 295, "company": "TD BANK US HOLDING COMPANY", "date_received": "2019-05-21", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "2b71f24f32ab9a5f3787dea44b8f4d3b4c852250818202f72350336ac459e387", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I ordered chime debit card, added monies, called chime to cancel and refund my {$50.00}. Provided all my info, cant access account because I changed phone numbers and moved and dont remember password and they want to send to old phone ( which I dont have ), they are XXXX. Ive provided my card number but since I couldnt remember my last XXXX. Transaction, they denied giving $ $ back!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5925697", "source": "cfpb", "group_id": "cfpb/6fd4fd133b3150519d73", "variant": "clean", "length_bucket": "short", "chars": 385, "company": "Chime Financial Inc", "date_received": "2022-08-28", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "6fd4fd133b3150519d7344bc242d1dc172117a93f3ace964d14faffe1e2c1a9a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX Subject : Disputing Information in Credit Report and Complaint to Debt Collector Tactics Recently, a debt collector obtained collections for debts I allegedly owe to a hospital. I replied to all of their communications with certified letters and after reviewing their validation letter I found the debt to not be mine or accurate. Despite information regarding my health insurance out-of-pocket max, having health insurance at that time, and requesting that if they do send it to the credit bureaus to inform them it is in dispute, Wakefield and Associates LLC reported these amounts to the credit bureaus and in one case they did not report it as being in dispute, the one for original creditor a hospital.\n\nAgain in regards to the a hospital collection claim, Wakefield and Associates never sent me a letter of the collection, this just went straight to being reported to the credit bureaus. They failed to respond to my inquiry regarding their license status or if this was bought from another collection agency. They also have declined to fully disclose information regarding this debt per my requests. Is there a judgment on this? If so where is it?\n\nI am disputing all XXXX collections made by Wakefield and Associates, XXXX to the credit bureaus, account numbers XXXX, XXXX, XXXX, and XXXX as they are inaccurate, and filing a complaint that Wakefield and Associates violated the Fair Debt Collection Practices Act ( FDCPA ). The following are the four alleged debts from XXXX.\n\nXXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$630.00} c. Date opened XX/XX/XXXX.\nd. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$390.00} c. Date opened XX/XX/XXXX.\nd. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance $ c. Date opened XX/XX/XXXX d. Original creditor a hospital XXXX. Account name WAKEFIELD & ASSOCIATES I a. Account number XXXX b. Original balance {$22000.00} c. Date opened XX/XX/XXXX d. Original creditor a hospital The debt collector, Wakefield, and Associates, LLC, obtained this debt for collection. I received letters from the debt collector stating I owed a hospital and a hospital the following amounts over three letters. The letters regarding the debt ; XX/XX/XXXX with reference number XXXX and account number XXXX, XX/XX/XXXX with reference number XXXX and account number XXXX, and XX/XX/XXXX with reference number XXXX and account number XXXX. I replied to each one of these collection letters requesting debt validation via certified letter.\n\nThey replied to my validation request in one letter on XX/XX/XXXX which included an account details statement with four amounts which included the three amounts they sent letters regarding and an additional one they added at this time and that I had not received in a collection letter or any other form of communication until this letter. Also included were invoices that do not appear to be originals from hospital but invoices created by Wakefield & Associates ; I believe this because I receive invoices from hospital and they look nothing like those. I can not comment on hospital invoices as I never received one. These invoices had amounts throughout XXXX that do not correlate to any visits with hospital or hospital. I replied via certified letter on XX/XX/XXXX that this debt is not mine and how I came to this conclusion. I also requested that if they still believe the debt to be mine to provide tangible proof that would make me believe it.\n\nEnclosed is the following documentation supporting my complaint ; my credit report ( redacted ) with the mistakes I want to be fixed enclosed in red boxes, proof of my insurance status via my Medical Member ID card, medical claims exported from my XXXX XXXX accounts page dating back to XX/XX/XXXX, scanned copies of the collection letters, scanned copy of the validation letter, copies of my request for validation letters, copy of my reply to the validation letter, and discharge documentation from a hospital ( redacted ).\n\nBased on my out-of-pocket max alone, it would not be possible to owe what they believe I owe. Please investigate this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/6580629", "source": "cfpb", "group_id": "cfpb/c79ea07f76512752d1cd", "variant": "clean", "length_bucket": "long", "chars": 4267, "company": "W&A Intermediate Co., LLC", "date_received": "2023-02-16", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "c79ea07f76512752d1cdd2fc8e051618aaf6492af6e67ebf6542defffb4beb5f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX while living in XXXX I was given a line of credit attached to my checking account with Wells Fargo in the amount of {$15000.00}. Over the years I have used it now and then always paying payments on time.\nI moved to XXXX approx. 4 years ago. I had some accounts needing to be transferred to Wells Fargo. My personal banker pointed out the Line of Credit I had with a XXXX balance at that time and advised me to never let the account close. That Wells Fargo will never offer anything like them again.\nIn XX/XX/XXXX I received a letter from Wells Fargo stating in order to keep this LOC open I would need to keep a minimum of {$1400.00} in account. I Spoke to my banker. He could not advise me but stressed I would never have a LOC like this again. So I transferred the {$1400.00} from the LOC and paid interest on this amount from that point on.\nIn XXXX of XXXX I had been unemployed for all most 3 years. My family of XXXX, myself and XXXX XXXX could no longer keep up with all their commitments and we had to have another vehicle. I used this LOC and took out {$13000.00} with the goal of having this paid off within 6 months.\nXX/XX/XXXX I received notification that Wells Fargo was closing this account and the loan needed to be paid off in full by XX/XX/XXXX.\nUnemployed with no way to pay this back I was forced to sell a small inheritance from my grandfather that consisted of oil mineral rights. Because I needed the funds immediately I was unable to take the time to negotiate a price I felt they were worth and settled for what I could get at that moment. In addition I had to sell them all which was more money than the loan, but the company would not buy them from me unless I sold them all. In doing this I not only lost an inheritance that should have been passed down to my children but also lost the monthly income I had been receiving on these shares since the date in which I inherited them.\nAt this point I viewed this as just something I had to do and sadly tried to forget the whole thing yet knowing losing this line of credit would effect my credit score poorly.\n\nBut then on XX/XX/XXXX I receive a letter from Wells Fargo stating they had changed their minds and my LOC would stay open with the same terms as before. It took a few minutes for it to sink in that their initial notification forcing me to sell the mineral rights and lose my income was not being enforced and although I had my LOC back there was no way this could make up for my having to sell this inheritance that I clearly could in no way get back. The income was gone when it didn't have to be and the mineral rights that should have been left to my children were gone forever.\n\nI believe Wells Fargo was advised to keep these LOC 's open only after all the Press and complaints from customers that they would close their accounts and take their money elsewhere became an issue.\nIn addition I can only imagine the amount of cash Wells Fargo brought in from all the customers like myself who followed their instructions to pay off their LOC 's and did. Including now leaving these accounts open giving Wells Fargo the opportunity to make even more money off its customers with now empty LOC 's to run up again.\n\nI imagine I am not the only one who was forced to go to great lengths to pay off these line of credits. I believe Wells Fargo did this all in bad faith and owes me some kind of restitution after choosing to leave these accounts open.\n\nI filed a formal complaint with Wells Fargo on XXXX. I then received a letter asking for 10 days to come up with a solution. On XXXX I received a letter stating that they acknowledged my concerns and appreciated the chance to respond. Then the remaining letter was nothing more than telling me the LOC is still open for me to use, that they appreciate my business and apologize for any confusion that all this may have cause. That was it! The person who wrote this letter included her number for me to call her back if I had any other questions or concerns. As of date I have called twice, left voice messages referencing the complaint number and have had no one return my calls.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4739917", "source": "cfpb", "group_id": "cfpb/af1a96add7c89e3e9e77", "variant": "clean", "length_bucket": "long", "chars": 4140, "company": "WELLS FARGO & COMPANY", "date_received": "2021-09-21", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Credit limit changed", "sub_issue_raw": "", "text_sha256": "af1a96add7c89e3e9e77b88d8275479a6e2f3d52e9eff3be0dbe8097268719a5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Naviant Dispute Im a middle aged XXXX male ( XXXX XXXX ) .I put this in the letter, because the companies that I am complaining about, Navient, Sallie Mae , and XXXX XXXX all know this ; so why shouldnt you? Consequently, I believe this to be the primary reason for the unlawful and predatory treatment that I have received from these companies. I am and have been illegally garnished by Navient Post Claims Assistance ; they have attacked me and my wages, using criminal, intimidating and unethical tactics, they are supposed to be one of the governments guardian companies, a gateway to building a better life ; but instead this company is using illegal means, to keep my student loans in default. I have tried many times to get out of default, but Navient keeps finding new and innovative ways to stop me from attaining this goal every time. Navient has used numerous means of keeping me out of the government aided programs that have been placed for poverty level citizens, like me. I think that you should know that I work for a non-profit company, and I have been employed by them for the last seven years ; this means that I qualify for student loan forgiveness. I work to better our community.\n\nIn the XX/XX/XXXXI received about 8,000 dollars in unsubsidized student loans ; I was slightly above the level of poverty needed to get subsidized loans or grants for college. Over the years I have been in numerous programs to pay back my student loans, but they are always too expensive : I have XXXX kids to support! I have been in and out of garnishment since XX/XX/XXXX, the original garnishment was for 15 % of my pay ; Im now paying about 33 % of my pay in garnishment, plus family insurance, and taxes : I cant survive, and these companies knowingly keep dealing the punishment. I have been exceedingly and unlawfully bullied by this company and its affiliates, for far too long ; they have used unethical and illegal ways to continuously inflict punishment on me. These companies have pursued me unrelentlessly, which has consequently caused me a lot of public persecution and mental anguish. I have nightmares worrying about what they will do to me next, what other laws they will break so that they can to inflict more punishment ; this company has punished me in every way that they can find. Criminals continuously find new ways to break the laws, they have to stay ahead of the authorities to avoid jail, thats how they stay in business ; deceitfulness is the key. There are millions of Americans that get away with never having to pay back student loans, why do they consistently pursue me? I borrowed XXXX XXXX dollars, more than twenty-five years ago. They are charging me more than forty thousand dollars, counting the interest that they have added on ; with all the payments ( through the years ) that I have made toward rectifying this account ; they arent taking anything off of the principle, I am paying for all the people that have let slip through their hands. I will never get out of their debt ; I am paying on a bill that will never get paid off. I feel like I am being pimped, I go to work and they get paid for the work that I do. Its like they own me, every time I get paid, they get paid. I cant make a dollar, without these companies getting some of it! I think its modern day slavery, oh thats right ; slavery was abolished ; wasnt it? It doesnt feel like it, I have chains around my neck, hands, and ankles ; I truly understand what it feels like to be owned.\n\nI have entered and been kicked out of the once in a lifetime program for student loan rehabilitation, twice ( Ha! Ha! Ha! ) And recently they offered it to me again, to me that am the same as admitting guilt. Every time that I get close to finishing it, there company makes up new ways of kicking me out of the program which was designed to help me get out of default. Default for lower income citizen means no credit, no loans, and garnishment on top of that, which means no spare money, its not fair. I work hard for what little money that I make. Navient keeps finding new ways to impose newer and harsher punishment, they are standing on my neck, how I can get up with that type of weight on me ; they are a corporation of bullies. Not anymore, its time I stand up to my bullies! Bullying can only be done behind the scenes ; when a bully is exposed, it takes away their power ; well, if no one else is brave enough to shine a light on them, than I am. In America, Navient is one of this nations biggest and cruelest corporations, of our history ; that's why this company and Sallie Mae have so many class action suits against them. I put this statement in the letter, so that you would know that Im not in a line by myself. I enrolled in one of the newer rehabilitation programs, which was set by our United States Government, to help people get out from under disabling companies, like these Sallie Mae and Navient are the two biggest student loan companies in America. To enter this program you had to be of low or inadequate income, to meet the eligibility requirements ; I meet the required income level to participate in this program. The program stated that if you made ten months, consecutively ; of five dollar a month payments, you would be eligible to get your student loans out of default. I accepted the terms and signed up to enter the program. After the first five payments of five dollars a month, your garnishment would be lifted, and then you would be able to enter another part of the program that allows you to rehabilitate the student loans, at an affordable rate. In this part of the program you would no longer be in default, and you would actually be paying off the student loans. I was quoted about forty-five dollars a month for ten years, in that part, but there branches cant touch you until you are declared out of default. I want to pay off my student loans, the government finally made it possible for a person ( such as myself ), to be able to afford to pay them off, and not have to live in a cardboard box on the streets, to do so.\n\nUnfortunately, there is an oversized bully blocking my path to rehabilitation, this company wants to be a part of the problem ; they dont want to be a part of the solution, they are enablers. I want to be in good standings with my student loans and the government, I want the American dream which is to have good credit, so that you can do anything that you can afford, and have the things you want. Naviant is stopping me from attaining my dream : I didnt break any laws, this has happened because I sought higher education. This company is getting very rich punishing people, American citizens, with a microscopic lens on the XXXX XXXX borrowers. If I had known what problems these loans were going to cause, I would have never applied for them, higher education would have had to happen another way, which is the way that most Americans operate today, under educated, and self-taught people ; that wont take out student loans because they dont want to become enslaved to the banking industry. These three companies have targeted many of its XXXX consumers, they havent moved into the twentieth century, yet. XXXX people should have equal rights ; statistically, the banking industry imposes stiffer penalties and higher interest rates on its XXXX consumer : Navient, Sallie Mae, and XXXX XXXX each have reputations for these types of practices. The student loans that are given out to XXXX students, statistically, have much higher interest rates than that of Caucasian students. Why? There is no logical explanation for this type of treatment today ; the constitution says, That all men are created equal. XXXX XXXX consumers have the right to an education, of equal cost, and the opportunity to be educated wherever you can afford to attend. We fought long and hard to get these rights, lots of lives have been lost, so that, I would have these rights : Society has accepted this, why cant they? I thought this country was passed the old Jim Crow laws ; this is another angle towards slavery, if you never get out of debt, you cant be free of the burden. Maybe these companies didnt get the memo ; slavery is over people, let it go!\n\nNavient started garnishment of my pay in XX/XX/XXXX, I called them to find out how I could stop the garnishment, and they quickly passed me on to XXXX XXXX. I called and spoke with a representative of the XXXX XXXX collections team XX/XX/XXXX, they were the ones in charge of collection of the garnishment. I made my first XXXX dollar payment on XX/XX/XXXX, and my second XXXX dollar payment on XX/XX/XXXX ; I had to make two XXXX dollar payments in order to start the process of setting me up on a plan, so that I could start the rehabilitation process. These were the first payments, I thought that I was on my way to a bettering my situation and my life. The woman I had spoken with at XXXX XXXX, told me to get a XXXX dollar pre-paid XXXX card and have all the payments come off of that automatically ( she said this was what all of her other clients did ). I went out and got the card as soon as I got paid, and I made my first XXXX dollar payment on the account. Unfortunately, I had been misinformed she misquoted some of the schematics of the program during our conversation ; I was mislead which caused confusion. She told me after the first five payments I would be taken out of garnishment, and that they would contact me ( via US mail ), to let me know what the next steps in the process of the program would be. Our conversation mislead me, it also got me kicked out of their program : I complained, I told them to listen to our conversation ( it was a recorded call ) so they would hear where I had been misinformed by their representative. They agreed I was told that the conversation was miss leading, so the company allowed me to start the once in a lifetime program, again. I was supposed to make ten consecutive payments to complete their part of the program, but she had told me to get a XXXX dollar card, which only covered the first five months of the program, it wasnt enough to cover the whole program. I waited for them to contact me, but they never did : I soon found out why, the garnishment started all over again. Navient let me back in the program again, but I had to start it all over. Ground zero, a new garnishment, the start of the program ( at the beginning ), all over again ; it was unethical, but I was happy they gave me another opportunity, a second chance to do this program over.\n\nOn XX/XX/XXXX I made my first payment, and the second on XX/XX/XXXX of XXXX dollars. I was determined not to let this sinerial happen to me again. I bought an XXXX dollar pre-paid XXXX ( non-reloadable ). I made sure, I had more than enough money to cover the cost for this program ; I knew that what Navient had done the first time was illegal, and I was determined not to give them the opportunity to do that to me again. I set the payments up to be automatically deducted ( as I had done previously ) ; there was exceedingly more money on the card, I only needed to cover the cost of the ten monthly payments of XXXX dollars a month, I wanted to make sure that I would not have any problem making these payments. I kept making payments and getting garnished, I was quickly approaching month five, thats when the garnishment would be lifted. I was told to call Navient on XX/XX/XXXX, to make sure they would stop the garnishment. I made the call, but they didnt stop the garnishment as they were supposed to. This company continued to garnish me more than {$990.00} to much ; this is how much the refund check they sent me was for, I was overcharged. I was a happy camper I had a refund from the company that has been taking most of my earnings and garnishment stopped, yeah!\n\nWhat happened from here was like a scene out of some kind of espionage/ spy movie ; I couldnt have written this. I did everything that I was supposed to ; my payments were being made on the XXXX of every month, as they were supposed to be : I was on time and on track to finish ; I was almost out of default. I had four payments of XXXX dollar left. In the beginning of XX/XX/XXXX, I called Navient to make sure that everything was going according to plan ( I was compliant, I dotted my Is and crossed my Ts ) : I talked to XXXX a customer service agent ; he assured me that I was on track, I was set to have another automatic payment getting ready to come off of the XXXX on the XX/XX/XXXX. The XX/XX/XXXXpayment came off of the card, as it was supposed to, on XX/XX/XXXX. I called XXXX XXXX in the beginning of XX/XX/XXXX to make sure that I was on track ( I didnt want them finding any issues ). They dont send receipts, this company doesnt let you know anything, you have no idea what was going on with your payments, or your account ; except for the garnishments, they consistently took the garnishments : They dont have to answer to anyone, they are above the law ; at least this is the way they act. The representative told me, I was on track everything was going good ; In the beginning of XX/XX/XXXX I called XXXX XXXX again, I wanted to make sure that I would have another payment coming out on XX/XX/XXXX ( automatically ), just relax sir ; you are on track to finish. On XX/XX/XXXX Navient pulled my account from XXXX XXXX, there was no notification ; I didnt know it had happened. It was an intentional ploy to put me back in garnishment, an illegal technique that worked. There lawyers filed for the garnishment to start again, before I even found out that my automatic payment had been missed. You can tell this company has done this to other people, the crime was premeditated. During slavery days the master cut off the foot of the resistant slaves ; this was to keep them from running away, I think this was their intention. I will never be free master is keeping me chained up.\n\nNavient supposedly fired XXXX XXXX ( XXXX ), and XXXX XXXX XXXX took over my account on XX/XX/XXXX. I didnt know that my account had been switched to another company ; by law XXXX cant continue take my automatic payment, and they cant give my card information to XXXX ( which I bet is an affiliate company ), I didnt know that either. Navient blatantly played with the law, and because of this I was kicked out of the program again. There was no way that they could notify me by mail in the time necessary, so that I could change my account ( XXXX- automatic payments ) from one debt collector to the other in the time necessary to make that XX/XX/XXXX payment. I was sabotaged, this company boldly manipulated my rights, and the laws of the land : Navient also tried to make me look like the guilty party, and it worked, my garnishment started over again. I operate by the laws of this United States, why shouldnt they? I have included a copy of the Non-reloadable XXXX that was on file with XXXX XXXX you will see that it still has a {$44.00} balance on it. There was no reason for me to miss that payment, or any of the other payments necessary to finish this program. When I called to find out what had happened there representatives were super mean to me, almost indignant, very, very unprofessional, disrespectful, and degrading. This was an intentional and fraudulent action, and I am the victim of the crime committed. I want restitution, I want a resolution, and I want my money back! I want to be done with this company and the persecuting and unethical ways they do business. I would love to be able to deal with an honest company that operates within the laws of the land : I do! Im not trying to run from my debt, Im just tired of dealing with a governmental loan shark. This company and its affiliates have imprisoned me, life without parole! If I dont say anything, theyll garnish me until the whole loan is paid off : Oh thats right I am only paying on the interest, I will never get to the principal. They have no right to the money that they are taking from me ; they committed fraud to get it, in fact, offering the opportunity for me to do the program again is an admission of guilt. During this process, I had conversations with the representative of their companies ; the conversations were recorded, I had to talk to two and sometimes three people. I have the records of these calls ; the names, times, representatives, and dates of all conversations. Please notify me if you need any of this information, I am willing to be a part and or active participant in this investigation. I say investigation, because laws of this land say, that if you are the victim of a crime, you have a right for that crime to be investigated, I want an investigation. They started garnishing me again ; I called Navient to find out what was going on. I was informed that I had missed a payment. The way that they changed companies, all of a sudden, it was an intentional act. I am paying for their indiscretions ; I complained ( research ticket # XXXX ). I talked to XXXX, Escalations team representative on XX/XX/XXXX she was very nice ( I had dealt with her on the first ticket ), but her boss was very nasty and argumentative, it was XXXX manager, she wouldnt give me her name. These representatives felt as though a call from a new collections company, that I had no idea was involved in this process, was all the notification that I needed.\n\nNavient kept the garnishment in place ; I am garnished about {$340.00} dollars every two weeks. I have been garnished unfairly for the last year XX/XX/XXXX to the current date XX/XX/XXXX. I could understand this punishment, if I had not been compliant, but I was. I followed the plan exactly ; I did what I was supposed too! It was a predatory act ; I have more than paid this company what I owe them. They arent even taking any of the money that is being taken from me, off of the principle of this loan ; I have already paid back more than I borrowed its as though I am paying nothing, what a nightmare! I am a firm believer, that crime doesnt pay ; but after what this company has done to me and allot of other American consumers, its truly hard to keep believing this. This company has a tremendous amount of class action suits against it ; I wonder how many of them are because of ethnicity, I bet more than half statistically. I truly believe if I wasnt XXXX XXXX XXXX that they wouldnt have taken the same approach with my account that they have taken. It is my firm belief that I have been discriminated against based on my race ( color ). I am a XXXX XXXX, and very proud of it, I have endured the racism and bigotry of this country throughout my life, some of that will always be there. I am immune to most of it, history has harden me, but what these companies have done ( Sally Mae included ), has bought our past ; very blatantly to our present! I feel like they are treating me, as master would treat a smart XXXX XXXX, they took me out to the shed and gave me a good beating. Please check the statistics, I guarantee many other XXXX consumers have claims against them, very similar to the reasons that I have given, just like mines. These people have endured the same journey that I am enduring ; Im sure that I am just one person, in long line of people with skin just like mine.\n\nXXXX XXXX and Navient have used the ambulance chasing lawyers and unethical collections officers that they employ ; to create very specific gray areas in between the XXXX and white writings of the laws of our land. They have done this to commit very calculated, illegal and predatory crimes ; I am one of the victims of these crimes. I was unlawfully kick out of a payment program that I would have successfully finished ( I didnt fail to make the payment on time ; they changed the company that I had to make the payment too ). I had three more automatic payments to make, I had already made six consecutive ( on time ) payments of XXXX dollars a month ; this is the criteria for the program. The new collections company, referred me to Navient, which referred me to XXXX XXXX ; we were trying to get to the bottom of the new garnishment. Once I explained to them that I was set up on automatic payments, plus I still had the card to prove that I was being honest : I still have the non-reloadable Pre Paid XXXX, this card still has about forty-four dollars left on it. XXXX representative told me that Navient would probably just let me finish out the program, without punishment, after I explained the details of the crime that they had committed ( check the recorded conversation ). I called and tried to explain the situation to the Navient representatives, they didnt agree ; their representatives took a very hard and unprofessional stance during the conversation we were having. I have been garnished for the last year ; more than six thousand and five hundred dollars, wrongfully : and over ten thousand dollars, over the last three years. I have paid more than I ever borrowed, this last year was an evil attempt at no good ; the money was illegally, and wrongfully taken from me. I want my money back, I deserve my money back ( especially the XXXX XXXX from the last year ), I am asking for my money back! These companies blatantly broke and rewrote the laws to put more money in their pockets. Its not fair ; I have suffered for their self righteous ways, they are not doing right by the American public. I dont know how many people that they have done this too and gotten away with it ; but I pray that you wont let them get away with it. I hope not to be one of the people that have let this company get away with it again! I am a hard working, honest man, I live by the saying : An honest days pay, for an honest days work. These companies are taking my hard earned money ; they used sneaky, replicated, and rotten techniques to do it. Its robbery, they are robbing me every payday! Whether its done with a gun, or a pen ; robbery is robbery, and thats illegal, its against the law. Please help me fight for my rights ; no one should have to endure the punishment that I have from this company. I have had to sacrifice a lot, I have lost a lot. Please, help me stop the downward spiral, that these companies are trying force upon me. Its not fair now, nor has it been in the past, judge in my favor, please! Its time to put the racist, and their prejudice ways behind us, thats our past, scars that keep opening : Bigotry is ingrained in our history, but if we stand up to prejudice, it wont have to be a part of our future. It has been an honor addressing such great minds ; please, make the right judgment.\n\nThank You,", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2881377", "source": "cfpb", "group_id": "cfpb/9e07f0113ea9a80bf93e", "variant": "clean", "length_bucket": "long", "chars": 22614, "company": "Navient Solutions, LLC.", "date_received": "2018-04-19", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "9e07f0113ea9a80bf93ec076e5430706f9f72f043a70aabeed99088a2c040723", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Sir or Madam, 1. FEDLOAN Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and 120 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 150 days late in XX/XX/XXXX.\n\nI immediately disputed this information with FEDLOAN and the results of the investigation came back \" verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously \" verified '' them, I am very curious as to what kinds of \" records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4780265", "source": "cfpb", "group_id": "cfpb/cb7e174d73998f8ed920", "variant": "clean", "length_bucket": "long", "chars": 5982, "company": "AES/PHEAA", "date_received": "2021-10-05", "product_raw": "Student loan", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "cb7e174d73998f8ed920df9c7afc29a1d276826e18fc360274cc4cbc0956842a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I opened a Costco Citibank credit card. On this date I specifically and expressly opted-out of automatically renewing membership charges by expressing this to the Costco clerk and providing alternative payment. I received assurance that no charges would be posted on the account for membership fees. I obtained this card as an emergency line of credit due to a personal injury, and never used it. Additionally, during this time, I continued to receive promotional material from Costco and Citibank, which was typically unwanted and discarded.\n\nOn XX/XX/XXXX, without my knowledge or consent, and in violation of our agreement, Costco charged me {$120.00} for membership. Because of my status as a XXXX XXXX and Citibank and Costco 's practice of sending useless and unsolicited promotional materials, I stopped opening mail from them sometime before this unauthorized transaction.\n\nEventually, this unauthorized charge accumulated interest and late fees. At this point, Citibank apparently attempted to contact me via a phone number that is identified by XXXX or XXXX as originating from a spam number. The number left voicemails in the form via an automated system that uses a robotic voice and is commonly associated with scammers. Citi began sending billing statements that in no way indicated any importance or difference from promotional materials.\n\nIn XX/XX/XXXX, Citi began calling from a different phone number that was not identified as spam - again using a robotic voice. When I spoke with their representative, I discovered that they were attempting to collect payment on the unauthorized transaction and fees and interest on that transaction. I requested that they send me copies of my billing statement.\n\nAfter receiving the copies and verifying that they were real, I called Costco to have the unauthorized charge removed on XX/XX/XXXX. The representative indicated that the unauthorized charge was removed and directed my call to Citibank to dispute the fees and interest. Upon talking with a Citibank representative, she informed me that the charges were \" too old '' to remove over the phone, and that I would have to write a letter to a PO Box controlled by their disputes department in order to have the charges removed. I wrote the letter according to the instructions I was given and waited.\n\nI received no response to this letter from Citibank. Figuring they had long turnaround times, I continued to wait. Today, XX/XX/XXXX, a real person from Citibank called me for the first time. They informed me that I would be required to pay the full amount of the initial unauthorized charge plus interest and fees, totaling {$340.00}. I began calling their billing disputes department, which automatically disconnects your call after 2-3 minutes of waiting. After several failed attempts, I called customer service and demanded to speak to a billing disputes representative. Puzzlingly, they were in possession of the letter I was instructed to write, but had chosen not to provide a response.\n\nThe representative informed me that the representative I spoke to on XX/XX/XXXX was actually incorrect, and that the charges were never eligible to be removed by their disputes process - not just interest and fees, but also the initial unauthorized transaction processed by Costco. In the time between these calls, Citibank attempted to add several more interest charges and late fees, while I expected that my dispute was following some formal procedure for processing. The manager of the disputes department that I spoke to indicated that the charges could never be removed on XX/XX/XXXX in the first place, however he simultaneously offered to remove charges that accumulated after XX/XX/XXXX. The manager stated that the actual purpose of my letter was to create a formal record of the fact that Citibank was not required to remove the charges ; however, I was never informed about this. Citibank is sending a 'corrected ' bill that rewinds back to XX/XX/XXXX, and is still likely to exceed {$250.00} for a transaction that was never authorized.\n\nOverall, Citibank is attempting to collect the full amount of this unauthorized charge veiled behind a non-transparent billing and collection process. The problem was further exacerbated by Citibank 's provision of inaccurate or outright false information about disputing charges. Citibank is using a complex web of bureaucracy to obscure the billing dispute process, leading to significant consumer harm in what amounts to strong-arm tactics. Citibank obscured their collection attempts for a duration long enough that I could not ever dispute the charges despite their unauthorized nature.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3780911", "source": "cfpb", "group_id": "cfpb/8741ff09f2009bd9c5c0", "variant": "clean", "length_bucket": "long", "chars": 4676, "company": "CITIBANK, N.A.", "date_received": "2020-08-05", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "8741ff09f2009bd9c5c0460522d00da5bc9840555d9b41424673dea3eb7d869a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I recently paid my mortgage company the amount they said I owed in arrearages to stop a foreclosure sale. As of today, they are informing me that the sale is still scheduled and they have not returned my payment.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1527234", "source": "cfpb", "group_id": "cfpb/1cb23d0cbe16872f893c", "variant": "clean", "length_bucket": "short", "chars": 212, "company": "Shellpoint Partners, LLC", "date_received": "2015-08-19", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "1cb23d0cbe16872f893c59ec30e9f28d4803d5592d5d62b792ffa11bef018598", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To Whom this May Concern : This was a line of credit my mother applied for, My mother has my same name.\n\nMy name : XXXX XXXX Deceased mother : XXXX XXXX XXXX Before my mother passed away I was in title.\n\nAlthough I finished paying the principle on my mortgage since XX/XX/XXXX, ( as reflected in Exhibit A- Wells Fargo statement attached ) Wells Fargo is continuing to place lender placed insurance on my account, they did as of XX/XX/XXXX which is unheard of I paid my loan off years early. If my principle balance is at XXXX then I am not a risk to them, I should not be charged lender placed insurance. I was totally paid off until in XX/XX/XXXXthey placed lender placed insurance and then when i called them they told me not to make any payments until they worked on a resolution, I have been waiting for that resolution since XX/XX/XXXX and its now XX/XX/XXXX.They are trying to place another policy effective XX/XX/XXXX. When I am at a XX/XX/XXXX balance on my principle. I can not get anyone to insure my home because of the Hurricane Irma Damaging my roof. The damage is not was not large enough for Fema to cover, but bad enough for no one to want to cover me. I didnt want to make a claim against the insurance because, I have never made a claim on my home and I was going to try to take care of this. But because they continue to place the lender placed its making the balance of insurance fees that I owe larger and larger, not allowing me to receive the title to my home. I need your Influence to go to bat for me. What the bank Wells Fargo is doing to me after I paid off my principal is totally unfair. They are mis-handling my account in 5 different ways.\n\n1. They are placing lender-placed insurance after my principal was already paid off. If I am at XXXX principle, I pose no risk to them. ( Please see Exhibit C- letters from them stating they are continuing to put this on ) 2. The second thing they are doing incorrectly is after I've been with the deceased department for over 10 years when I finally paid the principal balance off ... they are now switching my account to a new Department ( please see Exhibit D ) and this department is changing the whole rules of the game therefore what I was told and promised by the old apartment is void compared to the new Department. Just to elaborate the old apartment told me to fax them a letter stating that since I paid my principal balance off I could have these fees removed and I did and they remove the fees now the new Department put the fees right back on. When I'm trying to pay this off. Furthermore that new department has me waiting over 4 months for an answer and they also after the old Department said that my principal balance was XXXX the new Department is saying that I owe a XX/XX/XXXX payment.\n\n3. The third thing they're doing incorrectly it's sending me letters telling me that I'm going into foreclosure telling me that they're placing lender-placed Insurance again which I don't understand because my principal balance is paid!!! These letters make me lose sleep. And they placed it in XX/XX/XXXX after I paid off my principle and they plan on placing it again in XX/XX/XXXX.\n\n4. The fourth thing is I've totally lost trust in this bank because about five years ago they were purposely losing my payments I would walk into a Wells Fargo and make a payment and XXXX hope that I kept my receipt because if I didn't they would say I didn't make my payments. About 5 years ago I requested help from Congress and they assisted me and they audited them and they changed their tune real quickly and found all my payments. The fact that they lost by payments when I was so close to being paid off made me think that they were purposely trying to take my house and foreclose on me.\n\n5. The fifth thing that they're doing incorrectly is they have their representative XXXX XXXX whose phone number is XXXX XXXX XXXX XXXX extension XXXX XXXX XXXX this person has had me waiting for resolution for over 3 months. He called me yesterday only to say that they are continuing to place Lender placed insurance and he still has no resolution that the anticipated resolution date was XX/XX/XXXX. ( Mind you I put my formal complaint with him Since XX/XX/XXXX ) Since then, I've called him every other Monday and what he tells me is he'll give me an answer in 10 days that they're waiting to drop the paperwork. He has told me this over four times/ for 3 months ... I believe that's a bit much. He told me not to make any payments until they come up with a solution. But they have dragged it out 3 months.\n\nI can't even sleep at night thinking that these guys are going to pull some kind of scheme and try to foreclose on me for fees I don't understand why they continue to put lender-placed insurance I don't understand why they moved my account to another department after I've been with the deceased department for 10 years now this new Department doesn't know that I dropped {$7000.00} at one time they don't know my payment history they're just trying to collect and these fees but their fees they're not principle. So as a company Wells Fargo I know they're huge but the deceased department has helped me and telling me one thing and then they the new Department is changing the rules as if it were a new ball game, when I'm clearly at the end. The deceased Department told me : that I could pay off my principle balance and any fees once I paid off my principal balance those fees I could pay off at my own terms ... once paid off I can receive the paperwork. Furthermore the deceased Department invited me to fax them over a request to take off these fees and I did, I dont have that paperwork but it was faxed in XX/XX/XXXX to the insurance department and they took off the fees! yet the new department put them back on.\n\nYet this new Department put the fees right back on. They often send me letters that they're placing new lender-placed insurance. They just sent one on XX/XX/XXXX when in actuality they already placed lender-placed Insurance in XX/XX/XXXX but they can't because I paid off my principal in XX/XX/XXXX. I can't even sleep at night I stay up worrying about being so close to pay my house off and these people pulling a fast one on a normal citizen like me. To the old department I'm totally paid off on principal and they took off fees the new Department said that I still owe one more payment and they put on a whole new set of lender-placed insurance on me..My concern is that I was totally paid off in XX/XX/XXXX and I have the receipt that says XXXX balance ( attached to this email ) on the principle but they transferred my account to this new department they said I still owe one more payment in XX/XX/XXXX ( where that came from count be explained ) they're incorrect they keep making me wait ... I've been waiting for 4 months, for a resolution ... I've been waiting for an answer on this and every time I call which I call every other week on a Monday they tell me they don't have an answer, but they will in 10 days and it's been since XX/XX/XXXXthat I've been calling and now we're going into XX/XX/XXXX so what are they trying to do they said I only order payment for XX/XX/XXXX but I don't want to think that they're making me try to go to foreclosure for fees I don't trust this bank I need XXXX XXXX strength I need your help. I know that her influence will get their attention and get them to do what they should be doing. They've been having me hanging on for 4 months without an answer and it's not fair I need her to intervene but I need to fully explain to her while my case is relevant.\n\nAttached you will find.\n\nExhibit A letter from Wells Fargo ... that proves my principle balance is paid off. As of XX/XX/XXXX and then it also shows the small fees for about XXXX Exhibit B Attached you also find a letter where they are stating that they can help if I'm going into foreclosure ... that's the letter that makes me not get sleep. How can I go to forclosure when i was told by the deceased department that if I paid off the principal, I could pay off the fees on my own terms.\n\nExhibit C in the last attachment you'll find a letter where they're telling me on XX/XX/XXXX that they're placing lender-placed insurance I don't understand how when I made my last payment in XX/XX/XXXXon principal and my bill / ( Exhibit A ) reflex that I was totally paid off on principal.\n\nExhibit D And the final attachment is the letter that says they're changing my account from one Department to a new department they even change my account number they changed everything this far the ball game.\n\nI feel that Wells Fargo has totally mismanaged this account I feel that since they're so big they have different departments executed to try to get their money 's however if you're in the deceased department and they tell you one thing it's still Wells Fargo they can't just change the game on you when you've almost won the game they can't change the rules at the end I need your help because this is my family 's future this is my patrimony this is the home that I paid off that my mother when she passed away left to me and this will be my children 's home and my grandchildren please help me!!! Thank you. In advance!\nRegards, XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2886361", "source": "cfpb", "group_id": "cfpb/09bad03b2f4e855994d5", "variant": "clean", "length_bucket": "long", "chars": 9282, "company": "WELLS FARGO & COMPANY", "date_received": "2018-04-24", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "09bad03b2f4e855994d5575a064fa98bc24d59b8871e09499a58171585efd141", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.\nI have the right to privacy.\n\n15 U.S.C 1681 section 602 A. States, I have the right to privacy.\n\n15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.\n\n15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.\n\n15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.\n\nTherefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.\n\nIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.\n\nPlease investigate if every piece of information is correct. If not, please remove it from my credit report.\nAccounts 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account.\n\n2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.\n\n3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.\n4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.\n\n6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.\n\n7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7712334", "source": "cfpb", "group_id": "cfpb/ac61def03f9fe70d7e97", "variant": "clean", "length_bucket": "medium", "chars": 3348, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-10-17", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "ac61def03f9fe70d7e97db6c0abc81652c71df15957062c37e0a7e772f363846", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2019666", "source": "cfpb", "group_id": "cfpb/ddf227f3d9a48717a29d", "variant": "clean", "length_bucket": "medium", "chars": 1809, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2016-07-19", "product_raw": "Credit card", "issue_raw": "Other", "sub_issue_raw": "", "text_sha256": "ddf227f3d9a48717a29d02849c337e945afcaced93a5ced0cb149bfbec596dc3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ive been receiving letters from Shellpoint Mortgage for several months stating they require proof of insurance. Ive provided proof of insurance each time, as well as called them to confirm receipt. Each time Ive called ( 6+ times ), they have confirmed proof of insurance receipt and that our account would be updated, and that we would not be charged. However, were still receiving letters and are now being charged an additional {$1200.00} each month. This is harassment and these charges are fraudulent.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/8094112", "source": "cfpb", "group_id": "cfpb/044b7a78c6d50ec61835", "variant": "clean", "length_bucket": "short", "chars": 506, "company": "Shellpoint Partners, LLC", "date_received": "2024-01-02", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Escrow, taxes, or insurance", "text_sha256": "044b7a78c6d50ec618358f653681d8d2286207222895eaa0e726c6e89aa7a26b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Illinois, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Complaint Against Midland Cred Collection Agency for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Midland Cred Collection Agency for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes.\n\n1. Midland Cred Collection Agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.\n\n2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.\n\n3. Midland Cred Collection Agency has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.\n\n4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Cred Collection Agency is flagrantly disregarding consumer protection statutes.\n\nI demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by Midland Cred Collection Agency and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved.\n\nThank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld.\n\nSincerely, [ XXXX XXXX ]", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/8662653", "source": "cfpb", "group_id": "cfpb/63677f21047a037959fc", "variant": "clean", "length_bucket": "medium", "chars": 2216, "company": "ENCORE CAPITAL GROUP INC.", "date_received": "2024-03-31", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "63677f21047a037959fcc09a1cf4973d98095da9498789cdd22b89d4b5779c72", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dispute to Navient answer ( recent case : XXXX ) since I feel the dispute still have not been properly answered and the reporting CRA is still inaccurate. According to Navient, they stated your student loans are GENERALLY not subject to the Fair Debt Collection Practices Act ( FDCPA ) Using the terminology generally, I need to understand does it or does it not? Repeatedly I have to ask Navient to validate ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) the loans payable to NAVIENT. Since my first inquiry dated XX/XX/XXXX, Required to Validate a DebtAll documents, including electronic records or images, which bear the SIGNATURE of the debtor and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; Navient replied. By signing the Promissory Notes, you have agreed to pay the principal and valid interest that accrues on the account in full. Navient provided me with XXXX XXXX Promissory Note, however, none of those documents have my SIGNATURE on them. As my follow up response to Navient ( Letter dated XX/XX/XXXX ) I stated that my disputes were not a request for verification but again for \" VALIDATION '' which Navient again failed to provide. I specifically outlined what I have requested as validation again with documentation bearing my SIGNATURE which now Navient has failed to do so three ( 3 ) times in a time frame of sixty ( 60 ) days. As you can see for yourself the attachment Navient provided did not have my signatures on them. Under FDCPA Section 809 ( b ), Navient is not allowed to pursue collection activity until the debt is validated. I again have sent three ( 3 ) request for debt validation my first request, sent within 60 days of receipt of Navients initial contact, has gone unanswered. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation that I have failed to receive from Navient on all accounts : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the SIGNATURE of the alleged debtor wherein he agreed to pay the original creditor.\nLetter of sale or assignment from the original creditor to Navient. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) ( original complaint case XXXX ) Student loans transferred from one company to the next to the next. I am attempting to Validate loans via Navient as I have attempted to clear this matter since XX/XX/XXXX. It appears that the amount is increasing during each transfer. I am sending this request now because I am disputing the validity of the amount and am requesting validation. Attempt # 1 I sent the first letter dated XX/XX/XXXX To Whom It May Concern : This letter is regarding account # # # # # # # # # # #, which you claim I owe $ $ $ $ $ $ . This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to Navient. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company-Navient, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number. I do not consent to any means of automated verification. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. Attempt # 2 XX/XX/XXXX as a reply based on document received without a valid signature To Whom It May Concern : This letter is in response to your recent claim regarding account # # # # # # # # #, which you claim I owe $ $ $ $ $ $ $ to NAVIENT. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay NAVIENT the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Attempt # 3 dated XX/XX/XXXX with a Cease and Desist phone call notice To Whom It May Concern : This letter is being sent to you as a Dispute to the letters I received from you dated XX/XX/XXXX and XX/XX/XXXX, in the amount of $ $ $ $ $ $ . Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. The purpose of this document is to notify you that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you/Navient. Please provide me with the following : What the money you say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay you/Navient what you say I owe. Please attach a copy of any signed agreement debtor has made or other verifiable proof that debtor has a contractual obligation to pay Navient. Please attach a copy of any agreement that bears the signature of the debtor, wherein he/she agreed to pay Navient. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number XXXX. I do not consent to any means of automated verification. Now, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist calls to XXXX and XXXX in relation to the alleged account. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Civil and criminal claims will be pursued. If your office provides validation with proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must CEASE AND DESIST. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalid. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. It would be advisable that you assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. Since I have been unsuccessful in getting any results from Navient I 've decided to seek additional assistance in this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2731706", "source": "cfpb", "group_id": "cfpb/06bf196470df69d8d6ec", "variant": "clean", "length_bucket": "long", "chars": 11360, "company": "Navient Solutions, LLC.", "date_received": "2017-11-17", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "06bf196470df69d8d6ece5fbe305b67336ba1d44c9027a508e3a5616c8778d6c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Bass and Associates has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a \" well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a \" Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a XXXX of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3268639", "source": "cfpb", "group_id": "cfpb/4eb0dc2c9a5529f41993", "variant": "clean", "length_bucket": "medium", "chars": 1525, "company": "Bass & Associates, P.C., Attorneys at Law", "date_received": "2019-06-08", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "4eb0dc2c9a5529f419934ce163fe498b95a5d3692663588c5b0ab6a29aebcc4e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been having a difficult time making my monthly payments on my loan with XXXX . In XXXX , I had several XXXX student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding XXXX XXXX ) a nd have had an increasingly difficult time making the loan payments. XXXX apparently bought the loans from XXXX and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by XXXX . <P/> When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named XXXX on XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair. <P/> Id appreciate any assistance you can provide and if you could please call me at XXXX to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance. <P/><P/> XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2477921", "source": "cfpb", "group_id": "cfpb/2be8126f5a50008d41e8", "variant": "clean", "length_bucket": "medium", "chars": 2378, "company": "Navient Solutions, LLC.", "date_received": "2017-05-07", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "2be8126f5a50008d41e846a414509c943ffa707ce23d2d99cfb720a19ede8a07", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/23 we received an expected email from our real estate agent, XXXX XXXX w/ XXXX XXXX XXXX stating that it was time to do the wire of purchase amount for the buying of a mobile home just under {$70000.00}. This email also contained the wire instructions. We had tried to verify the wire with them by calling multiple numbers but were only greeted with voicemails. We headed to XXXX XXXX Chase Bank branch. We spoke and dealt with XXXX XXXX, branches manager. about doing a wire transfer to XXXX XXXX XXXX. She stated that she has done buissness with them and that they bank with XXXX. We explained that we couldn't reach them and, major part of why we went in person, that we would like her to verify that it was in fact XXXX XXXX and to verify the info, address, phone # that was on the wire instructions to what was on file. She stated that she couldn't provide it to me, i said thats ok i just want you to verify it matches. And according to Federal law with wires over {$10000.00} it is an obligation of hers nontheless. She left to go get it approved, came back and wanted us to verify the routing and account number was entered correctly, if so to sign. it was, we did. she left again, came back and said that it had been approved and gave us a copy. we left. under the assumption she verified and all was good. We later on XX/XX/23 got a call from XXXX XXXX telling us that she would be sending us wire instructions from XXXX XXXX. We said we already got them and completed it, confusedly. She told us to immediately call the bank and to file a fraud claim as her emails were hacked and that email was not from her. So we did. We filed a claim at fraud and wire dept. And told them that we would supply them with names or phone numbers or whatever they needed. They never wanted a single one. They have denied us for the fraud saying that we profitted from it somehow. We have requested the documentation as to how they came to that conclusion and of the investigation and havent recieved anything. As far as the reversal of the wire it is still awaiting a response from the recipients bank, Being Chase Bank, so pretty much they are waiting for a response from themselves. That is the only thing they have done. I myself called the recipients bank Chase bank in XXXX, NY. Talked to the manager about trying to look it up and that he needs to check his messages. His ONLY concern is to how i got his direct phone number. And he told me he couldnt do anything to help me and asked very defensively and paranoid of how i got his direct line and stated he doesn't know what im talking about and cant help and he doesn't have any messages. We found out later that the money went to XXXX XXXX XXXX. and that they have absolutely no relation to XXXX XXXX. And that is one of the things i wanted XXXX to verify and we made that very clear to her. We finally got ahold of XXXX and told her what happened and reminded her that we had verbally told her who we were wiring the money to. XXXX told us all she did was enter the info exactly to what the instructions stated and that was it. And reminded us that we approved it. We reminded her that we can't see what she sees on her computer screen and that we signed because we trusted in good faith that she verified everything that we verbally expressed and everything on the instructions to what she had access to on file. All she said that she could do is try to esculate the claim for reversal. And everytime we call to check status or to exercise our rights, they transfer us to a different department when they can't answer our question or if we question their answer. Around and around in circles and nobody can answer a simple question as to why they are waiting for a response from themselves. The Wire Agreement states the recipients bank, not the recipeints bank branch approval to do a reversal. I believe and know had XXXX XXXX taken the steps to verify like requested and like the Federal requirements mandate her to do for domestic wires over {$10000.00}, that we wouldn't be in this situation and we would've been able to close on our purchase on the XXXX. But now our dream of owning a house is gone and we are financially not able to afford it. I just dont understand why she led us to believe that she has dealt with this company and that she verified it when clearly she did not or we would be in our new home. Thank you for reading and taking the time to help us.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7939264", "source": "cfpb", "group_id": "cfpb/1be7b448947724a222e3", "variant": "clean", "length_bucket": "long", "chars": 4436, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-12-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "1be7b448947724a222e362e570872a7451e919d4311aecaeacd2d47eefa90ea0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In mid XX/XX/XXXX, I opened and deposited more than {$75000.00} into a Citi checking account after being promised by the promotion that I will receive {$1000.00} by early XX/XX/XXXX. However, the bonus has not been received yet.\n\nHow did I try to resolve this with them?\nI called Citi in mid XXXX to ask why I have not received the bonus yet, and was being told I would be qualified for the {$1000.00} bonus because I did all the required activities, and they would open an investigation for me, which would take 7 business days to be processed. After the 7 business days, I still have not received the bonus, so I called again on XX/XX/XXXX. This time, Citi said the information given to me that it would take 7 business days to be processed is wrong, and it would actually take 40 business days now.\n\nAt this point, I've been manipulated by Citi, and it feels like a scam.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6764317", "source": "cfpb", "group_id": "cfpb/8e4f644fac342b47596f", "variant": "clean", "length_bucket": "short", "chars": 877, "company": "CITIBANK, N.A.", "date_received": "2023-03-28", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "8e4f644fac342b47596fc024cd8026170fb285f81e89200ee212c7c2b133f756", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I discovered on XX/XX/XXXX that I am the victim of identity theft and fraud. Someone in either California or Arizona, illegally used my name, SSN, and DOB to borrow {$48000.00} in student loans to a school I've never heard of before.\nI filed a police report, contacted the credit bureaus, informed the lender, loan servicer, and school, notified the FTC, and requested an investigation and loan discharge.\nThe loan servicer, AidVantage, told me they would send me a fraudulent loan discharge application, it never came. I finally tracked one down online and filled it out, supplied the requested information and submitted it. They sent me a letter in the mail asking me to supply more information. I did this. I submitted it online and via USPS certified mail.\nThey have since \" closed my investigation for lack of proof of fraud '' because \" The school did not respond with the requested documents '' ( letter dated XX/XX/XXXX.\nXXXX ) there has been ZERO transparency in this process.\nXXXX ) I got on the phone and pushed, and their fraud department informed me that they do NOT involve law enforcement. They are not trained in forensics, and their investigations are in-house. Wait. So the company that made a bad loan to an identity thief who used clearly fraudulent data ( the promissory note is a joke, fake, as in do not exist, addresses, phone numbers, references, and all at addresses I have never lived, and with an electronic signature ) to borrow money for a school that they did not a attend and I've never heard of, and they decide if I have to pay for a loan that I did not apply for because it is fraudulent?\nXXXX ) Their excuse to attempt to force me into paying them nearly $ XXXX for their mistake is that the school, who is also culpable in this fraud, did not send information to them?\nXXXX ) This is an unconscionable mistreatment of an individual whose data was released during a massive data breach from my cell-phone provider, through no fault of my own. I am a victim of identity theft, and instead of working with the appropriate jurisdictional agency, they are NOT going to report an incident which involves numerous Federal Crimes? Identity Theft, Bank Fraud, Mail Fraud, and XXXX XXXX XXXX in the Commission of a Felony?\nXXXX ) I can prove via IP address, proof of residence, and bank statements that I could not have sent the emails and correspondence involved with the loan applications or receipt of any funds.\nI have been as patient with their unwillingness to accept responsibility for their lack of due diligence. If ONE person from EITHER the school or the loan servicer had bothered to investigate the incredulous lack of legitimate information on the loan application it would never have been approved.\nLastly, I WANT this investigated by the appropriate law-enforcement agency.\nMy questions are : XXXX ) How is a company in a contract with the US Government allowed to make unilateral decisions without any oversight or the involvement of law enforcement in a situation where there are Federal Felonious behavior involved?\nXXXX ) How is this service lender allowed to approve loans in a clearly automated fashion which are so clearly fraudulent that not a SINGLE bank in this country would approve it? My wife has been in banking for 30 years. Not a single bank would have approved this loan.\nXXXX ) Why are my rights being violated, as the victim of a crime, by an organization that stands to benefit from violating my rights to attempt me to pay a debt that I am not responsible for? There are laws that protect victims of identity theft, why are those laws being ignored?\nXXXX ) Why is the school, who was provided funds, and then dispersed funds to the identity thief, not being forced to provide ALL documentation regarding their culpability in this fraud? They benefited from this by getting tuition, paid for classes that the identity thief did not take. I have not been told what these classes were, what program this was for... It's insane to me that I am being told that \" No proof of fraud '' was found, when I have not left the State of Tennessee since XXXX, two years before these loans were taken out ( XXXX ), and during the time I was supposedly taking classes, I was recovering from XXXX XXXX. I provided proof of EVERYTHING, my residence, my high school diploma, my medical records, my signature, the police reports, the FTC fraud report, etc... and they are saying they can not determine that these loans are fraudulent.\nOf course, because THEY don't want to be out {$50000.00} for BAD LOANS they made!\nSo in closing.\nI am going to sue them.\nI am going to sue the school.\nBut I am asking for an investigation into the gross mismanagement of this situation and how ANY government contractor can get away with violating Federal Law and in the mistreatment of the victim of a crime.\nThank you!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9528950", "source": "cfpb", "group_id": "cfpb/da6afdda8439263d6d8d", "variant": "clean", "length_bucket": "long", "chars": 4869, "company": "Maximus Federal Services, Inc.", "date_received": "2024-07-16", "product_raw": "Student loan", "issue_raw": "Problem with fraud alerts or security freezes", "sub_issue_raw": "", "text_sha256": "da6afdda8439263d6d8d704754c176b52860b7b94b01d9a704777675de5fb905", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX I was misled and coerced to sign a contract thinking it was to receive an auto loan for a car. I was ignorant to the laws that protect me as a consumer and I tried to correct the error and as a result my rights were violated even more.\n\nExeter after receiving my securities, signature, unlawful down payment, additional payments on top of an extension of credit, and after a cease and desist letter was sent still charged off my account and repossessed my car.\n\nI received a welcome letter after signing the negotiable Instrument releasing my securities and was misled by Exeter to believing they were lending me money when in fact they purchased my note and monetized it. XXXX requesting to see the securitization audit and XXXX XXXX report for this transaction.\n\nI was charged a finance charge which is unlawful. The finance charge should have been credited to me and should have covered the purchase pursuant to 15 USC 1605. The finance charge does not include a charge type payable as cash so why was I required to put down {$3000.00} in order to receive the loan?\n\nThere was no transparency of the credit application process pursuant to 12 CFR 360.6 ( XXXX ) I was an applicant pursuant to 12 CFR 1002.2 ( f ) and was approved for the extension of credit. XXXX Exeter tried to collect on this extension of credit they are in violation of the RICO act. Specifically sections 664 ( relating to embezzlement from pension and welfare funds ), sections 891and 894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), ( relating to forgery or false use of passport ), 1951 relating to interference with commerce, robbery, or extortion ), section 1952 ( relating to racketeering ), section 1956 ( relating to the laundering of monetary instruments ), section 1957 ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), section 1958 ( relating to use sections 2312 and 2313 ( relating to interstate transportation of stolen motor vehicles ), sections 2314 and 2315 ( relating to interstate transportation of stolen property ) Please see attached documents below, the affidavit, bill of particulars, rights of recision, and the negative remark they are communicating on my credit file.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5898826", "source": "cfpb", "group_id": "cfpb/bb6d745b69dbaf85a99c", "variant": "clean", "length_bucket": "medium", "chars": 2576, "company": "Exeter Finance, LLC.", "date_received": "2022-08-19", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "bb6d745b69dbaf85a99c98f02f3c7946537afb10b3128ebf122f9fad67f98455", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.\n\nI too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments.\n\nNext, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.\n\nI tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3058956", "source": "cfpb", "group_id": "cfpb/60e994db98c5d4869981", "variant": "clean", "length_bucket": "short", "chars": 994, "company": "Navient Solutions, LLC.", "date_received": "2018-10-30", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "60e994db98c5d486998131d1f551acd537a28ed01c50fba3ef41737346e55c1c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "BEING CHARGED LATE FEES AND POSSIBLE CREDIT REPORT PROBLEM DUE TO PROBLEMS IN MORTGAGE SERVICING BY INVESTORS BANK I have a mortgage with Investors Bank that I originated 2 years ago and have been paying on-time every month. I sent in my XX/XX/XXXX payment of {$2800.00} as I always do, via online billpay at my retail bank ( i.e. a check gets cut and mailed to the payee. ) Investors cashed the check on XX/XX/XXXX. Investors apparently had changed my escrow amount at year-end and didn't inform me. They called me on XX/XX/XXXX ( they waited until 3 weeks after cashing my check ; and after the XX/XX/XXXX due date for late fees ) to call me and said that I didn't make my XXXX payment because I was {$58.00} short ( they cashed the check and are holding my {$2800.00} in \" unapplied funds ''. The amount of the escrow increase that they didn't let me know about. ) I immediately made a payment for that {$58.00} amount on Friday XX/XX/XXXX on my online billpay while on the phone with the Investors rep and updated my recurring payment amount. They said they would \" re-send '' my escrow statement.\nOn Monday XX/XX/XXXX, I receive a written statement stating that I owe late fees of {$87.00}. When I called the customer service number at XXXX, they said that the online billpay ( i.e. a written check gets sent to them via US mail ) I sent on Friday would likely not arrive before month-end, and they will report this \" nonpayment of mortgage '' onto my credit report.\nNow on Monday afternoon XX/XX/XXXX, I'm trying to find a branch of Investors Bank to run to pay {$58.00} to ensure they get the amount before month-end so that they don't hit my credit report.\n\nQUESTIONS 1 ) Why did they cash my check, then wait 3 WEEKS to call to let me know it was short, after the mortgage due date, to let me know that I owe {$58.00}?\n\n2 ) Why are they charging {$87.00} for the {$58.00} amount owed ( please note that principal, interest and most of escrow were already received ; this is a shortage in the escrow amount ) 3 ) Why have they cash my check for {$2800.00} and are holding it as \" unapplied funds '', rather than applying it to my principal and interest? Do I get anything back for them carrying this money interest-free while charging me {$87.00} to hold onto my money?\n\n3 ) Why didn't they send me proper notice and an escrow statement to let me know that the monthly amount changed?\n\nEscrow amounts change often for folks with mortgages if there is more money needed in the escrow account. The above leads me to believe that Investors is likely doing this to numerous other people who have automatic mortgage payments and escrow amounts change.\n\nCFPB, please help, this is not fair what they're doing.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3135428", "source": "cfpb", "group_id": "cfpb/1844d97358a7ba37d1ce", "variant": "clean", "length_bucket": "medium", "chars": 2715, "company": "INVESTORS BANK", "date_received": "2019-01-28", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "1844d97358a7ba37d1ce99bdb3fbb34fed6a86936313b2f11fe8ab1fcae7c67f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "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. Accoount # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX xxxxxxxxx Account # XXXX 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 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 adverse item of of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the adverse item of information, other then records of convctions of crimes which antedates the report by more than seven years. 15 U.S.C 16815-2 ( 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 accurate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/10016583", "source": "cfpb", "group_id": "cfpb/b3de7bf20b594c777594", "variant": "clean", "length_bucket": "medium", "chars": 1320, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-09-05", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "b3de7bf20b594c777594024986e8f4219c9ccb215f4d0bc94ac0f042c60d7ce6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I went to a local Kohls store In my area of XXXX, XXXX, and watched as a customer in front of me entered her phone number for the rewards program. I had previously used the Kohls cash program online and believed I could enter my phone number to get rewards. When I did so, the associate said that I didnt have a rewards account but she would create me one. She informed me to press the green button to accept the terms of the reward program, and enter my social and date of birth to link to my account. I provided all of this info without receiving any written or verbal notice of this being a credit application. in hindsight it makes sense, but now i feel that i have been taken advantage of. I realized this error when my transaction was completed, and I never used my current credit card. i then explained that this was not what i wanted, and her only source of solution was to tell me to cut up the card when i received it in the mail. I explained this was not what I wanted, and she told me I had read the terms and that I was confused. We looked again at the terms that she told me to hit enter on, and it said that I had received and reviewed the terms of the Program, which i did not in the course of the interaction. She kept insisting that the text on the screen were the terms, but there was nothing written about interest rates, fees, or other terms that would lead someone to associate with a credit card. Calling the online number allowed me to close this new credit line, and I will now have to dispute this on my credit report.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "getting_a_card", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7060218", "source": "cfpb", "group_id": "cfpb/0be08eef49f4f95445e9", "variant": "clean", "length_bucket": "medium", "chars": 1544, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2023-06-02", "product_raw": "Credit card or prepaid card", "issue_raw": "Getting a credit card", "sub_issue_raw": "Sent card you never applied for", "text_sha256": "0be08eef49f4f95445e9b6a0b832076f0abd83c4eca9a9248a94fc58ddddccbc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The capital one charges started from XX/XX/2023, to XX/XX/2023. The total charge is about XXXX. I've let my XXXX son purchase an item on a game or app called XXXX of XXXX. But at the time, I was also dealing with a divorce with my spouse. So I couldn't be bothered by anything else. So I've never paid any attention to the card. It wasn't until I've received a bill of XXXX that I've found out about these charges. But now that I'm reporting these transactions as unapproved transactions, they are stating that it was a valid transaction. And is reinstating the transactions back. All those transactions were made by an XXXX XXXX XXXX boy and not approved by me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7303038", "source": "cfpb", "group_id": "cfpb/2d7748f344192aa0c1a6", "variant": "clean", "length_bucket": "short", "chars": 662, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2023-07-25", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "2d7748f344192aa0c1a622cb32ceb75c28c02302c17b54000088a0c260879fb6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONWIDE RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.\nSincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/2305498", "source": "cfpb", "group_id": "cfpb/d3a93a80ed5295382eb5", "variant": "clean", "length_bucket": "medium", "chars": 1909, "company": "Asset Management Outsourcing, Inc.", "date_received": "2017-01-23", "product_raw": "Debt collection", "issue_raw": "Cont'd attempts collect debt not owed", "sub_issue_raw": "Debt resulted from identity theft", "text_sha256": "d3a93a80ed5295382eb5f7e3a2e2a7dbe44269d7b3b4464fb4290c3b767dc24e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am making payments but they don't like the amount I am paying. I am sending money ey every month either early or on time. They say it is not enough. I can't afford their plan and they don't like mine.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2927718", "source": "cfpb", "group_id": "cfpb/bbdb978c632b6599a30e", "variant": "clean", "length_bucket": "short", "chars": 202, "company": "Navient Solutions, LLC.", "date_received": "2018-06-05", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Can't get other flexible options for repaying your loan", "text_sha256": "bbdb978c632b6599a30e4d6cf1091280b9a20560cb50a0055d971a10df7dcb51", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I filed for bankruptcy in XX/XX/XXXX, I had made a payment to Credit Acceptance and once I had filed they started to refuse my payments. I had understood they were to obe paid outside of the bankruptcy and made every attempt to pay them. I had even told my attorney of what they wee doing. They told me to keep trying to make the payment and they would handle it. I was them made to pay them current from the time I filed and yet they still refused my payment I continued to let my attorney know. I then made a large payment of {$1800.00}, that is when they took that payment, then again they refused payment. Then XX/XX/XXXX I get a notice from the credit bureau stating the account had been closed. I then made another large payment of {$800.00}. and yes they took it and asked why my account was reporting closed. I was told that they did not know why it was closed but I can still make payment. Every month since XX/XX/XXXX I have tried to make payments and they either hang up on me or not take the money out of the account in which I choose to have the money taking out of each month. Then today they came and repossessed the car and I showed the man picking up the car and he told me to make a report.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2572895", "source": "cfpb", "group_id": "cfpb/f168cc62ca563d92178e", "variant": "clean", "length_bucket": "medium", "chars": 1208, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2017-07-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Problem after you declared or threatened to declare bankruptcy", "text_sha256": "f168cc62ca563d92178eb60a4d3b01c0512711bc003483936c0674439a23fe9e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Date : XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Hello and hope all is well. After reviewing the notice amount remaining is XXXX as of XX/XX/XXXX with taxes e-Collections XXXX per XXXX XXXX XXXX XXXX. After reviewing payment history, Im exercising my rights under the XXXX XXXX Credit Report XXXX. I hereby, requesting the accuracy of reporting.\n\n1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. Received document and contact number and fax number does not add up. Spoken with Gentleman and not aware of vehicle being sold.\n2. How were the amount calculated expenses incurred in retaking vehicle on an account filed in bankruptcy ( Chapter XXXX )? Explanation of Calculation of Surplus or Deficiency is unclear, my credit report is date of last report payment is XX/XX/XXXX from seller and not I. This is considered re-gaging of debt according to PA Statue of Limitation Laws, I therefore dispute this account pursuant to FDCPA, 15 USC 1692g and my states laws.\nAccording to my state 's attorney generals office, the statute of limitations for this type of debt expired. ( XXXX XXXX last payment is XX/XX/XXXX of {$200.00}. Vehicle was in possession for XXXX years after last payment. Vehicle repossessed on around or after XX/XX/XXXX You have four years from the date of last payment to file. Documentation states there were no payments for three plus years. If you intend to take this issue to court, I shall inform the court : I disputed this debt. The statute of limitations on this account expired You are in violation of 15 USC 1692g for filing an action on timebarred debt I request there be no further communications from anyone affiliated with your company, except to inform me collection efforts are terminated, or you or the original creditor are taking actions allowed by the FDCPA and my state 's law.\nAny other contact is a violation of the FDCPA. I will report violations to my state 's attorney general and the CFPB. I will also consult with a lawyer to discuss filing a civil action under FDCPA 15 USC. 1692k ( a ) ( 1 ). Be advised I keep notes of all phone calls, and any violation of the FDCPA can result in your company being fined up to {$1000.00} per violation plus costs, expenses, and attorneys fees.\n3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX. Documents are unclear 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? Actual license?\n\nI have previously demanded that your company validate the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ).\n\nAs you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter and you have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, XXXX, XXXX, and XXXX.\n\nAs a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and XXXX ). As I am currently attempting to apply for credit, time is of the essence. Be advised that if this matter is not resolved in 30 days, I will take any and all necessary steps to protect my rights, including, but not limited to, the commencement of legal action. I have sent you a notice requiring you to verify this debt in accordance with 15 USC 1692g. I have included a copy of the original dispute, which lists in detail the type of verification requested.\n\nIn response you have only sent a computer-generated print-out of the total amount you claim is due, which may not be accurate. Furthermore, you have failed to provide an executed credit contract proving liability of this debtor on the amount claimed.\n\nThis is unsatisfactory as proof that I owe the debt ( please see XXXX v. XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. ), and is hereby rejected as a validation of the debt. You have not complied with my right to have the debt validated according to the standards of the FDCPA, and your response is hereby rejected as a validation of the debt.\n\nYou must now remove the collection listing from my credit report, or I will file a lawsuit for violation of FDCPA, 809 ( b ).\n\nThank you for your assistance as I assert my right to have a proper validation of the referenced account according to law.\n\nRespectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3328019", "source": "cfpb", "group_id": "cfpb/3fb15890276010c46445", "variant": "clean", "length_bucket": "long", "chars": 5495, "company": "EQUIFAX, INC.", "date_received": "2019-08-02", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened or suggested your credit would be damaged", "text_sha256": "3fb15890276010c464451726b349e0174411e74a4d73b93d400ec879c893fc80", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am submitting a complaint against Ally Financial. I initially filed with the XXXX but they were unable to assist me and they have closed the complaint due to Ally not responding timely.\nIn XX/XX/XXXX I had a total loss from a vehicle accident. I had insurance as well as GAP insurance.\nIn XX/XX/XXXX I received statement requesting a payment of {$460.00} ( this amount was previously my monthly payment ). I was confused as Ally had received payment from both my insurance company XXXX XXXX and my GAP insurance. I tried to look my account up online but they disabled it. I was not able to find it even by searching by the account number. I contacted customer service and he advised me to go online and I told him the account was no longer available to me. He told me well sometimes it takes a minute for them to catch up just wait and everything should be caught up in a month or two.\nI next received statement from Ally dated XX/XX/XXXX with an amount due of {$100.00} but with a due date of XX/XX/XXXX. Underneath that is listed an amount paid of {$4000.00} with a due date of XX/XX/XXXX and scheduled payment {$460.00}. It further has listed in the comments section that {$1600.00} is still due on the vehicle. Yet I owe {$100.00} on XX/XX/XXXX? It appears they are charging my account as an installment account even though they know the vehicle totaled and the payments were made for the pay off amount. I have no idea where they came up with the amount still owed. I am unable to determine from the documents and statements received what the true actual numbers are and how they applied it against the total payoff.\nIn XX/XX/XXXX and XX/XX/XXXX I received statements that showed I owed zero amount and on the XXXX statement it has a payment of {$1200.00} being paid but yet it still shows in that comment section the amount of {$1600.00} to pay off vehicle. Then in XXXX I receive a statement again stating I need to pay {$100.00} on XX/XX/XXXX. I called Ally he stated he was sending account to be investigated and instead of it being investigated I immediately began receiving collection calls.\nI explained the situation to the collection person. She then indicated that I was 3 or4 payments behind when I just received an email a week prior that I was 2 months behind apparently their time goes much quicker than the rest of the world. I said I did not understand how I could owe so much still towards the vehicle. She advised that I did an extension agreement in XXXX and XXXX of XXXX and I still owed for that. I stated so -when my insurance was provided the payoff amount they did not include the total pay off amount? I said that does not make sense you should send the total pay off amount of the vehicle as that is what was requested.\nAlly did finally respond to me from the XXXX complaint, I received about week late. It did not explain what I asked of them about the statements and the inaccuracies. They send me a letter and an account sheet that shows different information than what was on the GAP pay history. In the letter they also stated that as soon as a vehicle is totaled they immediately disable the account. I find that interesting since every employee I spoke with told me to look at my online account and even an emails I received in XXXX and XXXX advised me to look at or make my payment through my online account the same one they XXXX.\nAlso, they know this was payoff for the vehicle why were they still charging me interest, late charges and applying the payoff amounts they received to principal and interest? The amount that was to be refunded back to the dealership which was around {$1200.00} for the maintenance agreement instead of simply taking out of the amount owed on the vehicle they made it appear like a payment on my account and split that across principal and interest. That should have been taken out of the principal or total owed period. The persons argument that the GAP insurance did not pay about {$1200.00} was because the information that I sent them provided by Ally showed an amount of {$1200.00} being applied as a payment to principal and interest - it did not show the amount as a refund back to the dealer so GAP insurance took the amount owed to the dealership out of the payment owed to Ally.\nFinally, where did that payment amount of {$1200.00} come from that is listed on the invoice? perhaps from GAP once it was realized? But the comments always said I owed over {$1600.00} for the vehicle. Something is definitely wrong with this entire situation. They have affected my credit when I was finally making headway after about five years of diligently working on past debts and ensuring timely payments. Now they have me owing over {$1900.00}. They are treating the account like a monthly payment agreement even though it is a total loss and if in fact I did owe anything I would think they would contact me and try to work out how the rest was be paid.\nThey are costing me money because my car insurance looks at my credit report and I am not able to obtain low interest on anything because whatever they are doing ruined what I have been working towards for over 5 years. Because of this my credit dropped over 30 points when it should have went up after Ally account was shown as paid and no late payments. It is not right, if anything I think I should be owed money due to the confusing billing practices that I do not think are above board and forcing me to lose a lot of hard work I have put into fixing my credit. They are causing me a great deal of stress, lost time to deal with this issue that should not be this difficult.\nI should not owe any money Ally financial. They were paid by my insurance and my GAP insurance. I would like real explanations of the statements I received. As stated in XXXX and XXXX I received statements that showed I owed XXXX amount and then in XXXX I again owed the XXXX. I want to know all payments received, how they were applied, if they were applied correctly and how they came up with the amounts that I owe. I want the account to show a XXXX balance and show it in good standing without any late payments because I never paid late. If I felt Ally was being above board on what is owed on the account I would not have an issue, the problem is I think they are trying collect additional money from a mistake they may have made I do not know really. Please review the attached documents and advise if you need anything further from me.\nAttached : the XXXX complaint, Ally late reply to XXXX complaint, payment history for GAP provided by Ally, billing statements XX/XX/XXXX through XX/XX/XXXX, email advising me to go to online account that Ally disables as a matter of practice but their customer service or auto email info does not know about.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3848057", "source": "cfpb", "group_id": "cfpb/299576a5c9a50762a362", "variant": "clean", "length_bucket": "long", "chars": 6772, "company": "ALLY FINANCIAL INC.", "date_received": "2020-09-16", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "299576a5c9a50762a3626cd7bcdadabe610d4a5182b16e00a54b6bd23c16875d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I need all of these accounts, hard, AND soft inquires removed from my Experian credit report as they are fraudulent. They are listed below : You have 1 open account 1 credit card or credit line Total balance : {$0.00} XXXXXXXX XXXX XXXX card name | What's this?\nExceptional payment history {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$1000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - On Time - Data Unavailable Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Is everything correct?\nIf inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.\nDispute this account Card info Account Name XXXX XXXX Card name Link card name View card perks You might have great perks and not know it.\nOver 80 % of card holders don't know the extent of their credit card perks. Identify your cards to see how your perks can help you save.\nExplore Perks XXXX XXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$500.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ 86 Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - NA - - On Time NA No Applicable Payment History - Data Unavailable Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at consumers request Account closed at consumers request and dispute investigation completed consumer disagrees Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Is everything correct?\nIf inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.\nDispute this account XXXX XXXX XXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX Credit Limit XXXX {$0.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ 86 Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NA - - - - - - - - - - XXXX - - - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Is everything correct?\nIf inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.\nDispute this account XXXX XXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX Credit Limit - {$200.00} Payment Info Status Paid, XXXX balance Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - NA - - - - NA No Applicable Payment History - Data Unavailable Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at consumers request Your statements **CONSUMER STATEMENT** XXXX ACCOUNT CLOSED BY CONSUMERS REQUEST Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX Is everything correct?\nIf inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.\nDispute this account XXXX XXXX XXXXXXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$750.00} Payment Info Status Paid, XXXX balance Status date XX/XX/XXXX Past due amount - Highest balance $ 8 Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA - - - - - - - - - - - NA No Applicable Payment History - Data Unavailable Additional info XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor - Comments- Your statements **CONSUMER STATEMENT** XXXX ACCOUNT CLOSED BY CONSUMERS REQUEST Contact XXXX XXXX FL XXXX XXXX XXXX, NY XXXX Is everything correct?\nIf inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.\nDispute this account", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/5488243", "source": "cfpb", "group_id": "cfpb/f02eb96b033b2907c12c", "variant": "clean", "length_bucket": "long", "chars": 5102, "company": "Experian Information Solutions Inc.", "date_received": "2022-04-24", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "f02eb96b033b2907c12ca170dbef84cddd6a0ce12a7d2c431148d36ecdaa3b93", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Wells Fargo has been harassing me and calling me at my job to \" collect '' on payments that I have been making. They assign late fees after the fact and then call as if I have not made a payment. In the last two weeks I have received phone calls once on the XXXX of XXXX and once XXXX for a payment I have already made within the 10 day grace period of making the payment. Yet I still get a late fee for this payment. They make it impossible to call about the loan because they continue to transfer you different places. I have requested to change my payment date and they would not do it without me making a payment that forced an overdraft and still have not updated the due date to better fit when I get payed so I can avoid these issues. I was also told that a late fee would be waved but they have not waved any which further makes this cycle a problem. Statements are impossible to read/understand and they just make you feel XXXX for asking any questions so it is hard to know what is going on and what is right or wrong. I am sure they are taking advantage of me and harassing me at my job and I feel like I have no way to stop it. They are an awful company.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3170648", "source": "cfpb", "group_id": "cfpb/257e93a792f0c2731740", "variant": "clean", "length_bucket": "short", "chars": 1166, "company": "WELLS FARGO & COMPANY", "date_received": "2019-03-05", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Keep getting calls about your loan", "text_sha256": "257e93a792f0c27317403aa4a0aadbdd978dafb8cf85356d5bf813cc34c9e2da", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The first letter I received was back in XX/XX/2019 Amount : {$1000.00} I immediately contacted Capital Accounts and worked on making arrangements which I made a payment for {$80.00} soon to realize that it was the wrong Clinic I have never had nor seeked treatment from XXXX XXXX XXXX XXXX XXXX.\nI had an ankle injury and had treatment at another clinic in XXXX and I never bothered looking into it since I never been to the above mentioned place I assumed it was the clinic where I had treatment for my XXXX.\nI tried to talk to Capital Accounts, the Reps. Name is XXXX and she is very rude and unethical and I have gotten no were with them and now I have a Medical collection when I had perfect credit, this is so wrong in every way.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3294087", "source": "cfpb", "group_id": "cfpb/2db353d27112df181209", "variant": "clean", "length_bucket": "short", "chars": 736, "company": "Capital Accounts, LLC", "date_received": "2019-07-02", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "Used obscene, profane, or other abusive language", "text_sha256": "2db353d27112df1812091da9c0383311a5a51948190dbefb3afa317f583034c8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very \" strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3757027", "source": "cfpb", "group_id": "cfpb/882103627fbaca0d2734", "variant": "clean", "length_bucket": "medium", "chars": 1246, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2020-07-21", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with the payoff process at the end of the loan", "sub_issue_raw": "", "text_sha256": "882103627fbaca0d2734096606d5024dc67f4808d4c860d44d7a0d5acbe616fc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Good morning. XX/XX/XXXX I purchased a XXXX XXXX HUD property for $ XXXX in the XXXX neighborhood. We tore the property down to the studs and did an extensive rehab. I thought this property would increase in value and help pay for my daughters college tuition 15 years later. In the sub-prime mortgage crisis of XXXX - overnight - I was underwater on the building. The property value plummeted from XXXX to less than a XXXX. From XXXX, every good faith effort I made to sell or refinance the property was rebuffed by Wells Fargo XXXX We attempted a deed-in-lieu of foreclosure, short sale and had several cash offers which for a variety of reasons/excuses were denied by Wells Fargo. The property gradually slipped into crushing debt when my tenants stopped paying rent- when I put the property up for sale -and refused to vacate the property. My wife and I were left with few options other than to file a XXXX XXXX to consolidate and pay off all our debts.\nFor a period of five years my wage was garnished $ XXXX. Recently, we made 100 % restitution and paid off all our debts. XXXX For the past 30 months we have been seeking to come to terms with Wells Fargo to close on a short sale or deed-in-lieu of foreclosure on this property. We have presented six contracts that for a variety of reasons we have been unable to get to the table.\nMost recently, we presented a cash offer ( XXXX ) on the Home Path portal in the amount of $ XXXX which was under review. This year, I have spent over $ XXXX to correct building code violations ( replace rear porch, reconvert basement ) because Wells Fargo wont close on a deed-in-lieu with a dirty tittle.\nMonday XX/XX/XXXX, I met XXXX XXXX XXXX ( XXXX XXXX ) at the property to review his work on the basement deconversion. To our surprise, the property was padlocked and my keys no longer worked. I called Wells Fargo and was informed the property had been actively foreclosed on XX/XX/XXXX and all further questions should be referred to your law office.\nFriday XX/XX/XXXX I spoke with XXXX from your firm. I explained that myself, my Realtor and my Attorney had not been notified of an active foreclosure date on the property. In the past, foreclosure sale dates had been postponed pending review of all contracts. She informed me that all communication from your office was being sent to my Attorney, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Il. XXXX ). She said that her law office would not contact me personally once I had an attorney of record. I explained that XXXX XXXX had been replaced by a new Attorney, XXXX XXXX XXXX, in XXXX of XXXX. XXXX encouraged me to fax documentation that XXXX XXXX XXXX was currently the attorney of record and a copy of the pending contract. She said that she would discuss it with XXXX XXXX 's at her firm and encouraged me to have my Attorney, XXXX XXXX XXXX call the law office directly. I grant permission for XXXX XXXX to speak with attorneys at XXXX XXXX XXXX.\nThese are the numbers that have been provided to me : XXXX XXXX XXXX ( O ) XXXX. ( F ) XXXX Wells Fargo ( O ) XXXX I have enclosed the pending contract and documentation that Wells Fargo authorized XXXX XXXX as the attorney of record. Also, in the past, I have received correspondence from XXXX XXXX XXXX that was sent to my home address. I have spent XXXX XXXX XXXXXXXX XXXX XXXX making improvements on this property since XX/XX/XXXX. Like many other investors, I suffered greatly when the property value plummeted 50 % in XXXX. I have been in constant communication with my home preservation specialist - XXXX XXXX XXXX - from Wells Fargo on a monthly basis. We have cooperated to the best of our ability to provide documentation that would move these transactions forward. I am not sure why no-one from my team was informed ( in writing ) of this active foreclosure date until XX/XX/XXXX. I am desperately trying to avoid the devastating impact a foreclosure will have on my credit report and taxes. What can be done to resurrect this deal and get this cash offer to the table.\nThank you for your help and cooperation with this matter.\n\nOver the past 36 months, I have spoken to countless individuals at Wells Fargo ; everyone has been pleasant but no one has taken ownership to get a deal to the table. Wells Fargo has demanded an insatiable amount of redundant paper work, inspections, appraisals and documentation without results. I am trying to avoid a foreclosure or having to file a XXXX XXXX XXXX XXXX. The chronic stress of this process has taken an enormous toll on my finances, marriage and health. I want to move on and close this chapter in my life. Wont you please help me accomplish that goal?\nAn anonymous Wells Fargo employee informed me that my account had been tagged as a \" strategic default ''. Therefore, Wells Fargo had no intention of allowing me to sell the property. Wells Fargo knew that my income was high enough that it was more lucrative to allow the property to slide into foreclosure. Foreclosure allowed Wells Fargo to claw back the entire amount of the property along with interest and attorney 's fees. Wells Fargo was NEVER negotiating with me in good faith. The judgement value was {$190000.00}.\nThis foreclosure was devastating and almost cost me my job, marriage, health and credit. It was mentally, physically and emotionally draining. I have never dealt with a company such as Wells Fargo that collectively did nothing to help their customer. The problem was systemic, devious, egregious and corporate wide.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/6469257", "source": "cfpb", "group_id": "cfpb/342c69866548670138ef", "variant": "clean", "length_bucket": "long", "chars": 5513, "company": "WELLS FARGO & COMPANY", "date_received": "2023-01-22", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "342c69866548670138efa482b50f71bc34a2a3ac8790602cc050d28312a466b3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification.I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification.\n\nViolation of the FCRA Transactions is excluded from a consumer report.\n\n15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.\n\nIm XXXX and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.\nYour corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court.\n\nPlease amend all late payments to current this is Illegal!\n\nXXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX | {$2400.00} XXXX XXXX XXXX XXXX | Account # : XXXX | {$7700.00} XXXX XXXX XXXX XXXX Account # : XXXX | {$0.00} XXXX XXXX XXXX XXXX Account # : XXXX | {$0.00} ( Remove charged off debt ASAP ) XXXX XXXX | Account # : XXXX | {$4700.00} XXXX | count # XXXX XXXX | {$1200.00}", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8855709", "source": "cfpb", "group_id": "cfpb/daddeec1fbd0c92f684c", "variant": "clean", "length_bucket": "long", "chars": 4952, "company": "Experian Information Solutions Inc.", "date_received": "2024-04-25", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "daddeec1fbd0c92f684c5cc0d73a54cee865d851aa17d8ed463484a2d596592d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a fraud claim on my account and then randomly they closed my account and for some reason whenever I logged into the Bank of America app it did not allow me to make any payments to this account. I thought it had sum to do with the claim and my account being frozen or something. I have video proof of me login in to the app and attempting to make the payments and it not showing the account as an option. They ended up calling me to inform me i missed a payment and I told them exactly what happened and they never fixed it or did anything about it and still charged me a late payment fee. I ended up setting up automatic payments so it wouldn't happen again. I got confirmation from Bank of America representative that it was all set up but some how a month or so after they didn't charge the automatic payment as they should have. So they ended up charging me another late payment fee. Then I called and spoke to XXXX the escalation department manager and informed her of what happen and tried to get the fee removed but she told me the system denied the request and that there was no manual override or anything they could do about it. On top of all this they have closed my account for supposedly 'credit abuse ' when It was clearly all fraudulent transactions as the fraud claim was resolved in my favor, I informed them of this and they still haven't reopened it.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9600524", "source": "cfpb", "group_id": "cfpb/25ca8034f1b2538e8332", "variant": "clean", "length_bucket": "medium", "chars": 1374, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-07-25", "product_raw": "Credit card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "25ca8034f1b2538e83329edd411b85e0445ab3912a057501299fd889283d1be8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, I am the owner of a small business and I've been banking with Capital One since XXXX. I own an XXXX XXXX XXXX XXXX that is my sole source of income and I started this business while I was in XXXX XXXXXXXX XXXX Once the business started making regular money, I set up a new XXXX, a business checking account and a savings account with Capital One as well as a XXXX business credit card. I later applied for a XXXX loan in XXXX when XXXX had announced a window for small business applicants because I thought my business was a good candidate and I really needed the loan for my business ' survival. ( Application number : XXXX ). I get a call from an investigator named XXXX at Capital One who says he's supposed to help in the process but he then drags my application out for weeks ( and ultimately months ) with no communication and no contact number to get him on the phone for an update. At one point he calls me and tells me that he thinks I'm lying and he doesn't think I have a valid business prior to XX/XX/XXXX. I'm shocked to be called a liar and I tell him that my business underwent a name change between XXXX and XXXX and I sent him multiple invoice documents to show that I had a qualifying business for a XXXX loan and I had just sent the application under the newest business name since that's the name on my bank account. He then did not respond to any of my emails or outreach following me providing clear evidence of my business qualifying. ( I've attached some of those emails and documents in this complaint ). XXXX responses over months of me emailing him, not a single acknowledgment of my supporting follow up documents so my loan application is completely stalled. I set up the business checking account in the first place with my business documents so I don't understand why I'm being treated like I don't have a valid and active business. XXXX was fishing for reasons to deny me the loan and I'm not sure he ever even looked at my documents that I sent over to him proving I have a valid business. He delayed my application process by about XXXX months! So now during the wait, I can't even go to another institution to apply for the loan because I don't want to have XXXX active applications because I don't want to be flagged for fraud. ( I mentioned earlier that I was in XXXX XXXX XXXX because a fraud flag could be an issue in me applying for XXXX XXXX so I wouldn't even take a parking violation risk. ) Well, after the application deadline when the funds are already depleted and I've given up on any hopes of receiving a XXXX loan, XXXX finally gives me an update that he decided to flag my account and deny my application and permanently terminate my banking relationship with Capital One. I'm livid at this point and I file a formal complaint with Capital One for suspected race discrimination ( because XXXX knew what I looked like from my profile picture on my emails to him sending my documents ). I did not receive adequate information about the status of my loan during a period in which I could've gone to another banking institution with my business documents. Later that summer or early Fall, I call Capital One 's credit card division about an issue and they call the business checking team and they tell the agent that my account is closed. That agent gets upset and says that's a mistake and the business checking employee then verifies that they misspoke and there is no issue with the account and that it has not been closed. I continue to use the account from summer of XXXX ( when XXXX initially says he was closing the account ) until XX/XX/XXXX of XXXX when suddenly I notice that I do not have access to my funds to pay my Capital One business credit card. I call thinking there's fraud on the account and I'm told that my account was closed in XXXX of XXXX pending investigation and I can not have any other information nor access my funds. They basically threaten me over the phone by telling me the funds may never be released if the investigator makes a determination not to release my funds and that I won't receive any further information or explanation, nor can I contact the investigator. I ask for the investigator 's name because I have no clue what this is about and to my surprise, it's XXXX. Now I'm extremely distraught because I was told my account was never closed and it was an error and now I'm told that my account has been closed for XXXX years and they don't know why I was even able to use it that whole time. Now I'm accruing interest on a credit card that I can not pay and I have ceased business operations because I have no money. So for XXXX months now, I've been going back and forth with Capital One as they claim XXXX is still \" investigating '' and I can't get any further information. I go to a physical branch and they tell me there's no hold on the account and the funds can be released but they get an error message in trying to get the check sent out. They tell me to call back because they said it would definitely be resolved over the phone. I call and then I'm told it can't be over the phone and I have to just go to the branch with my ID and business documents. I do that and now I'm told once again that my account is \" under investigation '', even though I'd already been told twice now that it was cleared and there was no hold for the close out check. I desperately need help because I'm getting nowhere. I was told today by my local Congresswoman 's office that this treatment of my loan and my account is against the Consumer Financial Protection Bureau guidelines for creditors so now I'm looking for assistance as soon as possible. Last week an \" investigation '' that I never knew about ended on my business savings account ( which had {$0.00} in it ) and it was released but the hold remains on the account that has all my funds in it. This has cost me so much money and I don't have access to the only assets I have. I can't buy groceries, I can't travel to help my brother who just had a XXXX, I can't run ads for business operations to earn more money. I feel so wronged by this whole situation. I never received a dollar in XXXX funds and now years later, I'm having my account shut down and my funds frozen with no clarity from Capital One. This is not right. I go on XXXX and I see other small businesses have experienced similar nightmares with Capital One freezing their assets with no explanation and claiming some XXXX issue but in my case, I never received any federal funding or assistance. Not a XXXX. Even the branch I'm speaking to now is really upset and confused about this situation and suggesting I talk to a lawyer because of how bizarre this all is. My local Congresswoman 's office has agreed to help work with CFPB once I submit this complaint to you guys. This is giving me literal panic attacks. And there have been severe damages caused as a direct result of what I highly suspect is misconduct on Capital One 's part. Please, please help me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8485578", "source": "cfpb", "group_id": "cfpb/3983276f06ae9863c95c", "variant": "clean", "length_bucket": "long", "chars": 6983, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-03-06", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "3983276f06ae9863c95ca2f44a3f003a0a5334e1fb8dd49b4cb0446a1ebf11a5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Started receiving pushback from the bank about my identity, theft crisis, And some of the fraud I was reporting. It was worse than I thought Ive now confirmed that its back as early as XXXX. I put off my statements from XXXX specifically the XXXX days XX/XX/XXXX and XXXX. Im making ATM withdrawals and XXXX different states, in a different country altogether. The states are in the United States of course. Plus, Ive opened up XXXX lines of credit on XX/XX/XXXX XXXX for a personal line. XXXX is for an auto loan and a credit card. I reported this to Bank this evening, and the fraud department kept pushing me back to the checking department who kept pushing me back to the fraud department. Additionally, Ive received a notification that my mortgage information has been compromised of which I notified them today and they said they didnt see anything on their end. XXXX not exactly sure whats going on, but The line of credit for {$5000.00} and the credit card are exactly the same thing as they reflect the statements I printed out theyre both actually platinum cards. Theres years in a lot of months theres no activity and XXXX not remembering all that great from back then but I suspect other things are involved. At this point, I feel like I have turned on me me and little Assistance. Requested reports on how theyre coming to their findings with these denial letters I have not received them. Additionally, I had a savings account that was closed without authorization. Nobody can explain. That was the account where a lot of transactions were made to investment online account such as XXXX. The checking account doesnt reflect the credit card statement stating that I paid them with U.S. Bank XXXX They told me that its impossible to do an ATM charge without my actual card but yet they had me do an ATM charges in XXXX XXXX Minnesota the same day XXXX in XXXX, Minnesota, which I know I was at work. Goes on there so many charges so much unaccounted money absolutely not XXXX person from U.S. Bank has picked up a phone and reached out to me so much as a manager. Please help me out with this. Note every single account that I have through U.S. Bank including my business account and credit card are compromised missing money and Ive reported fraud totally Ive gotten Very little in comparison to what Ive reported in fact, they seem to be really good at just sending the denial letters the approval letters kind of trickle in, but it seems like theyre up to something. See in the news reports of similar cases like mine and I hope somebody can take a closer look and instead of taking the word of a half {$1.00} XXXX company. The fact is, they actually recruited me out of a homeless shelter I was living at 10 years ago. Since then, Ive turned my life around in a great way and Ive been very successful opening many accounts having mortgage. I mean, Ive done really good. Theyre doing everything they can. It seems to not hold any responsibility. A lot of my money is flown through there and when I mean a lot, its a lot for a guy like me XXXX figure stats. As of the last XXXX years, Ive done outstanding for myself and XXXX and it seems like they mustve seen that and decided to take advantage of it. XXXX not sure I cant say theyre doing it or theyre actually the ones doing it. I can, I can say That they are doing little to nothing to figure it out and rectify it. All they say is do you want to file a claim and I said yeah for every month and every year when all this started and they tell me its not possible. Ive tried every way with them, whether it be badgering them all night, XXXX XXXX XXXX XXXX, And cursing them out. XXXX, what else you guys want me to do but I got the paperwork and they have a lot of questions to answer and nobody wants to answer them.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/9258790", "source": "cfpb", "group_id": "cfpb/875e15433cfd8debd944", "variant": "clean", "length_bucket": "medium", "chars": 3784, "company": "U.S. BANCORP", "date_received": "2024-06-15", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "875e15433cfd8debd944b043cae51f403ca3fc6c7c1946ccb57871a5440c7311", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2024, I transferred {$1800.00} from my American Express Bluebird checking account to my XXXX XXXX XXXX checking account. The money was pending until XX/XX/2024. Then the transaction disappeared from my XXXX account transaction history. In the evening, of XX/XX/2024, it showed as successfully completed, but did not show in my XXXX XXXX XXXX Checking account. I spent an hour and 40 minutes on the phone with the Bluebird customer service reps, asking for an ACH number, so that I could investigate what happened with the XXXX folks. They refused to give me an XXXX number, only a transaction number. I gave this number to XXXX. And, just as I feared, it did not generate any information in the system, when my XXXX transaction investigation team looked into what happened. It is now XX/XX/2024. I do not have my money, nor an ACH number. On my transaction history, XXXX does show it is an ACH transfer.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "money_not_available", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/9233376", "source": "cfpb", "group_id": "cfpb/b82dc3f721d06390da10", "variant": "clean", "length_bucket": "short", "chars": 912, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2024-06-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "b82dc3f721d06390da10a30b80b694bb1286ee608de719a1e1ccda7470ec7f84", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I originally found an account through Care Credit on my credit report in XX/XX/XXXX. The account had a XXXX balance and I contacted Care Credit right away and made a fraud claim with them over the phone. I never heard anything from them further regarding this account.\nIn XX/XX/XXXX I received a Care Credit card in the mail and again contacted them. This time the account had a {$12000.00} balance owed. I again made a fraud claim with them advising them I never opened the account or charged {$12000.00} at a doctors office. The advised this was not the same account as the prior incident and they would investigate. Again I never heard any further from them.\nIn XX/XX/XXXX I again receive a Care Credit card in the mail. I call them to see what is going on and they advised they had closed my prior investigation stating they confirmed my identity based on a fake identification shown by the \" suspect '' and a \" bio-metric '' video again provided by the suspect when she open the card. I was upset to say the least since I was never contacted to assist or provide any additional information. They advised I could mail or fax a copy of my driver license to them, which I did both. I also insisted on email or uploading that information and they said they do not accept documentation that way.\nOn XX/XX/XXXX I again contact Care Credit to see what the status of the investigation is. They advised that the investigation was again closed as they were unable to confirm that a police report was taken, they never received my fax or mailed documents and they attempted to contact me and the phone rang busy. I have no idea how any of that could be true. I was again advised to fax or mail my documents. I insisted on an email or load and was again refused. I asked to make a complaint further up and was advised that this employee would make the complaint for me and that the calls are monitored for key words of dissatisfaction and generate their own claims. Refusing to allow me to talk to anyone else.\nWith all that said I'm 3-4 months into an ongoing issue with this company who refuses to work with me or accept any of my documentation.\n**I have also been in contact with the doctors office where this charge originated and they advised that after I notified them they cancelled the scheduled procedure with the suspect thus there should have been no charge on my account. I again reached out to them in XX/XX/XXXX and they advised they would contact Care Credit and clear this charge.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "getting_a_card", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3372596", "source": "cfpb", "group_id": "cfpb/b39f8c3825debda2e158", "variant": "clean", "length_bucket": "medium", "chars": 2494, "company": "SYNCHRONY FINANCIAL", "date_received": "2019-09-13", "product_raw": "Credit card or prepaid card", "issue_raw": "Getting a credit card", "sub_issue_raw": "Card opened as result of identity theft or fraud", "text_sha256": "b39f8c3825debda2e158b9924c6e3478673b564350d40d86a2d240ebc5bcfc07", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a cryptocurrency account with Binance.com ( located in XXXX ) since late XXXX and was was instructed to transfer my cryptos to other Exchanges by XXXX, XXXX XXXX because they were discontinuing service to their US accounts. I set up a Binance.us account and transfer XXXX XXXX cryptos into this account in XX/XX/XXXX. In XX/XX/XXXX I logged into this account and found my XXXX account had a XXXX balance but my deposit and withdrawal history proved that the balance should be XXXX XXXX tokens ( see attachments ). After several emails I informed Binance.us that I would request the Government Agency FinCEN to help me recover the XXXX cryptos. I got an immediate response requesting two weeks to restore my XXXX cryptos. After 10 days, I checked my account and found XXXX XXXX cryptos in my account. I also found that all of the deposit and withdrawal history had been removed from my account. This was very disturbing and I moved these XXXX cryptos to an off site wallet. On XX/XX/XXXX I requested their assistance to recover the remaining XXXX XXXX crypto, but as of this date I have not received a reply. The attached file contains all of the emails to document my request for your help. Your assistance in this matter is greatly appreciated.\n\nXXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4778496", "source": "cfpb", "group_id": "cfpb/5730cb4a5289700463c8", "variant": "clean", "length_bucket": "medium", "chars": 1263, "company": "BAM Management US Holdings Inc.", "date_received": "2021-10-04", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Wrong amount charged or received", "sub_issue_raw": "", "text_sha256": "5730cb4a5289700463c8b5907fded17b0ffe73f02775bc516fb67a68b6d2609e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "There is a child support account reporting on my credit report.\nAccount name CHILD SUPPORT ENFORCEM Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. Also I did not authorize this company to access my credit file nor is this account associated with an credit transaction involving myself.\nMy rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.\n\nOn the Transition website I found information regarding this reporting error and it stated Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\nIn accordance with the written instructions of the consumer to whom it relates.\nTo a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.\nIn response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.\nTo an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.\n\nConditions for furnishing and using consumer reports for employment purposes.\n\nCertification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if the person who obtains such report from the agency certifies to the agency that the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ].\n\nDisclosure to consumer In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.\n\nApplication by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.\n\nScope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\nConditions on use for adverse actions.\n\nIn general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- a copy of the report ; and a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).\n\nApplication by mail, telephone, computer, or other similar means.\n\nIf a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification -- that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.\n\nIf, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumer 's request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumer 's rights as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).\n\nScope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.\n\nException for national security investigations.\n\nIn general. In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that -- the consumer report is relevant to a national security investigation of such agency or department ; the investigation is within the jurisdiction of such agency or department ; there is reason to believe that compliance with paragraph ( 3 ) will -- endanger the life or physical safety of any person ; result in flight from prosecution ; result in the destruction of, or tampering with, evidence relevant to the investigation ; result in the intimidation of a potential witness relevant to the investigation ; result in the compromise of classified information ; or otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.\n\nNotification of consumer upon conclusion of investigation. Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made -- a copy of such consumer report with any classified information redacted as necessary ; notice of any adverse action which is based, in part, on the consumer report ; and the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.\n\nDelegation by head of agency or department. For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.\n\nReport to the congress. Not later than January 31 of each year, the head of each agency and department of the United States Government that exercised authority under this paragraph during the preceding year shall submit a report to the Congress on the number of times the department or agency exercised such authority during the year.\n\nDefinitions. For purposes of this paragraph, the following definitions shall apply : Classified information. The term `classified information ' means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.\n\nFurnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.\n\nIn general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if the consumer authorizes the agency to provide such report to such person ; or the transaction consists of a firm offer of credit or insurance ; the consumer reporting agency has complied with subsection ( e ) ; and there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph.\n\nLimits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only the name and address of a consumer ; an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.\n\nInformation regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7939726", "source": "cfpb", "group_id": "cfpb/11660a8a823f1038618e", "variant": "clean", "length_bucket": "long", "chars": 13950, "company": "EQUIFAX, INC.", "date_received": "2023-12-03", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "11660a8a823f1038618ee11d3cc4bdaa88263f9c3338a05f484dd68166c4785b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased and paid in full a pair of pants from the company XXXX XXXX, order XXXX, placed on XX/XX/XXXX, for {$260.00}. I received the pants in late XXXX and decided to return them to the merchant. The merchant approved the refund and issued the refund, in the amount of {$220.00}, back to my original form of payment, which was Affirm. The card I used to make payments to affirm, ending in XXXX, had been compromised late XXXX and I received a new card. Affirm is actually culpable in my information being compromised, but thats not my complaint. My complaint is that I havent received my refund, even though the new card has been added. They refuse to respond and provide me MY money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10511925", "source": "cfpb", "group_id": "cfpb/5070241acee450c90184", "variant": "clean", "length_bucket": "short", "chars": 688, "company": "Affirm Holdings, Inc", "date_received": "2024-10-19", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "5070241acee450c901847e0d8e63f13c4624822c7949fdeeb0b588fcbfefa86c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A. ) Parties with MoneyLion could do nothing in return of an extra dated payment XX/XX/2023 early option, and pre-dated XX/XX/2023 both for {$96.00} total {$190.00}. Called wed and thur XXXX for disputes, referred to Loan Department call at XXXX stated to contact MoneyLion customer service who referred to Loan Department, could do nothing, along with a background negative descriptive/comment referred to Customer Service . I informed them it was processed thru MoneyLion roar Account Plus to XXXX XXXX.Early payment should drop second dated payment. ( It happened before but I let it go. This is my third XXXX XXXX ). B. ) In another complaint an app function for a new account route and account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not facilitate as specfied standard operational procedures, amount of transfer that did Not go through {$1000.00} ( Planned on keeping both financial institutions,? ) XXXX was waiting for a payroll deposit.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7650862", "source": "cfpb", "group_id": "cfpb/5e0373e6581224917529", "variant": "clean", "length_bucket": "short", "chars": 955, "company": "MoneyLion Inc.", "date_received": "2023-10-05", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Money was taken from your bank account on the wrong day or for the wrong amount", "sub_issue_raw": "", "text_sha256": "5e0373e65812249175290e0714ba1bf80cc0e5e548de375c54b56698abdfbaa7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is a request for assistance regarding a loan matter that continues to be burdensome on a variety of leve ls. PHEAA ( Pennsylvania Higher Education Assistance Agency ), the co mpany that assumes responsibility for loan collection, use an array of tactics to ensure that a flow of money continues to be received from me. There is absolutely no regard for modifications to their mission due to mistakes or possible illegal maneuvers on their behalf. For several years, company representatives have not responded to any of my concerns, written or via telephone. Representatives have shown me that they are trained to ask for money, not to respond to questions and concerns. Middle management and beyond dont respond. I have tried for several years to get answers to questions concerning how the alleged debt quoted by the company has taken its present day form. Im talking about a deconstructive breakdown in its totality. PHEAAs framework is about crunching numbers supported by the loan document. Anything outside of that framework has no relevance to them. The numbers they crunch could be fraught with error, and there might well be other circumstances that should have and should be considered, but this has never been the case. They obviously dont believe that a consumer could muster up the courage or energy to take the company to court. I am reaching out to see if a third party oversight agency can burst the bubble that PHEAA lives in. This is for the purpose of receiving full answers, and not pat responses. I have, and I will continue to have important questions and concerns to be brought to PHEAA for full disclosure. 1. I returned to graduate school as a XXXX student. As required at institutions that administer these kinds of loans, a student receives counseling in order to understand the full scope of the loan obligation. The college I attended did not follow this protocol. This was an important omission. The college subsequently lost its accreditation. This was due to several egregious acts, which included financial improprieties. 2. I never defaulted on the student loan obligation. I qualified for a deferment. I also qualified to apply for a loan discharge due to a XXXX . Though I had applied for a deferment, I began to receive harassing phone calls from XXXX representatives pushing me to set up a repayment plan. These calls were received throughout the week. I filed more than one complaint regarding the calls, but they continued. XXXX day I was engaged in a heated conversation with a XXXX representative. He was pushing for me to set up a repayment plan though I had filed for a deferment. At one point during the conversation, the representative told me that he was going to default me. Within weeks after the aforementioned call, I received notice that I had defaulted on the loan. I immediately contacted XXXX and explained that I qualified and had applied for a deferment. I was told that the deferment document submitted to XXXX was never received. At this juncture the focus from XXXX was not the deferment, but to push through the default. I wrote letters and did my very best to challenge their assertion that I defaulted on the loan. If a deferment opportunity or an opportunity to ask for a loan discharge due to XXXX was available, why would I not take it? I later received a notice from XXXX stating that I requested a forbearance of the loan package. This was instantly enacted by XXXX . I submitted paperwork for a deferment. I later requested to have the loan s discharged du e to a XXXX . XXXX set up the 8 month forbearance so that the company could impose an instant repayment plan. There is no document, signed by me, that consented to this. The alleged default of the student loan moved seamlessly to a wage garnishment threat. XXXX being a locked system, I had no choice but to appeal this garnishment. I was told that I could fly to Pennsylvania to appear at a hearing. Those who do this for a living obviously knew that I would not be able to afford such a trip from California. This so called hearing was an insult to any judicial system that attempts to uphold a just and honest system. Firstly, those involved were too close to XXXX to be neutral. Given the distance between us and my inability to hire legal representation, those involved in the hearing were given free rein to exploit my written statements while making it seem that I was given due process. They allowed me to move through the hearing process while knowing fully that my appeal would be rejected. This was disturbing to me at the time and continues to disturb me today. A garnishment was imposed. The garnishment was for a percentage of the net income, though XXXX changed this to a percentage of gross income. XXXX later responded to this by stating that net and gross are the same. XXXX has been allowed to ride roughshod all over my legal rights because the company feels that its wall of disclosure is impenetrable. They have enforced the kinds of interest rates and penalties that will insure that the loan will never be paid in full. I believe there is enough information to warrant an outside and unbiased agency to ask XXXX for a legitimate response to my concerns. I would like to start with the question Why was there a default when I never defaulted on the loan? I know that XXXX set me up. There are a chain of events that support my belief. My loan package was sold several times and finally reached XXXX . XXXX positioned itself to put up its impenetrable wall. This allowed the company representative to tell me that he would default me if I did not set up a repayment plan. This was followed with XXXX assertion that my deferment document was never received, and so a default was warranted. This lead to a garnishment appeal that all parties within that particular system knew I would not win. This concluded with XXXX having full rein to solidify the erosion of any legal rights afforded me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2468241", "source": "cfpb", "group_id": "cfpb/5ae72419a1027b4a5924", "variant": "clean", "length_bucket": "long", "chars": 6008, "company": "AES/PHEAA", "date_received": "2017-04-27", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "5ae72419a1027b4a5924b34768378a7c66726ce529d63e5e8b5f4929b2921700", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I filed a dispute with Capital One and sent a rebuttal regarding the merchants responses with evidence the merchant XXXX XXXX XXXX XXXX XXXX XXXX did not observe local and federal laws in addition I am entitled to reimbursement. Capital One having failed or refused to respond or acknowledge receipt of the rebuttal within the time frame allowed in violation of state and federal regulations.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3077935", "source": "cfpb", "group_id": "cfpb/a43ee7565a702b2eeb9c", "variant": "clean", "length_bucket": "short", "chars": 392, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2018-11-17", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "a43ee7565a702b2eeb9c32c9473d816b611576ddc3b9866e42ac73956659a74c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have made several calls to DEPT OF ED / AIDVANT to dispute several re-aged student loans that are more then XXXX years old on my credit report. The information on the student loans are not accurate and is not mine.\nThese should be removed from XXXX, XXXX, and XXXX DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$8700.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$77000.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX + {$490.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX, XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX {$7100.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXXXXXX XXXX XXXX {$6900.00} In good standing DEPT OF ED / AIDVANT Reported : XXXX XXXX XXXX XXXX {$2200.00} In good standing DEPT OF ED / AIDVANT Reported : XXXXXXXX XXXX XXXX XXXX {$9100.00} In good standing", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8382769", "source": "cfpb", "group_id": "cfpb/98ac6f0f6f64d820e5ac", "variant": "clean", "length_bucket": "short", "chars": 924, "company": "Maximus Federal Services, Inc.", "date_received": "2024-02-21", "product_raw": "Student loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Old information reappears or never goes away", "text_sha256": "98ac6f0f6f64d820e5ac49a04f32aba1041ac2a84ecbad24401c4f7816485b31", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I would like to file a complaint against XXXX College and Navient. I feel like the loan company is working hand and hand with XXXX College to scam people. I was tried to apply for college and was told I could not go because I was a minor. I was under XXXX years old. My mother is deceased and the school told me they had to get information from my dad. I do not know where or who my father his all I knew was his name. I am still unsure how I was able to get enrolled in the college.\nI do not understand how I was charged the tuition I have or the charges. I took out 2 loans. I was told if I continued my education that I would get XXXX from the school. Which I never received. The school is charging all kind of fees, that people are not a ware of. I called the school today around XXXX XXXX and spoke with XXXX. He told me to email the school to receive a print out of all of my charges. Why do I owe the school money and Navient.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3472068", "source": "cfpb", "group_id": "cfpb/81e75e59cf0c061b81e4", "variant": "clean", "length_bucket": "short", "chars": 934, "company": "Navient Solutions, LLC.", "date_received": "2019-12-18", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "81e75e59cf0c061b81e48bb7bb4e18440f0bad5f651f0aca097b5dcee1133dc8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "FTC VIOLATONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone.\n\nMajor Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now a division of XXXX, violated the Fair Credit Reporting Act ( \" FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX. XXXX is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.\n\nFTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/3549755", "source": "cfpb", "group_id": "cfpb/cd72e57a31c0d5b715f3", "variant": "clean", "length_bucket": "medium", "chars": 1642, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2020-02-29", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "cd72e57a31c0d5b715f36c3c9dac1a0466a7879a82d44b0732f02f039548855b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am a victim of identity theft and I made my bank card aware of this capital one I had a card that wasnt even active and they allowed to charge to go on that card and I never even had a card in my possession. I didnt get a card from capital one until after the purchase and I showed them proof on my XXXX XXXX account that Ive already paid for this XXXX ticket on my XXXX XXXX but they said that since I took too long proving that it was not my charge that theyre not gon na take it off my account and then I have to pay for it anyway. I didnt take too long because I sent them exactly what they ask for I replied to their email.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7313546", "source": "cfpb", "group_id": "cfpb/0eb1159da1d650f2f9ca", "variant": "clean", "length_bucket": "short", "chars": 631, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2023-07-27", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "0eb1159da1d650f2f9ca5f91114819cbde16943deef501c3a3b817b06eb976cb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got harrassing phone calls from XXXX XXXX. They claimed i had an unpaid Paypal credit card. I said I had NEVER Had a paypal credit card i got letters and many angry, harrassing calls from XXXX XXXX.\n\nI have a fuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThey asked me to confirm personal info which I challenged and they said they would mail me some report.\n\nI got a letter, attached, from XXXX XXXX. I looked up Synchrony Bank. They apparently bought Paypal Credit. Someone must have FRAUDULENTLY used my ID to charge over {$900.00} on a Paypasl credit card. With interest, due to this FRAUD, Syncrhony Bank claimed that I owed more than {$1200.00}.\n\nI got more harrassing phone calls.\n\nThey sent a form to fill out to dispute the claim and I took a Saturday XXXX to go to a bank and have it notarized. I scanned it, emailed it in and mailed it in via USPS.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6388445", "source": "cfpb", "group_id": "cfpb/53721f27136b26909b47", "variant": "clean", "length_bucket": "short", "chars": 874, "company": "SYNCHRONY FINANCIAL", "date_received": "2023-01-02", "product_raw": "Credit card or prepaid card", "issue_raw": "Unexpected or other fees", "sub_issue_raw": "", "text_sha256": "53721f27136b26909b478c534924e519ead8fe2f08b7a12db2ffec9e50e39712", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This collections company is fraudulently attempting to collect a debt that is not owed along with submitting false information on my credit profile and violating my consumer rights. On XXXX XXXX, XXXX, and Equifax all deleted the original collection account from my credit in which was proved that the information provided was sufficient enough to have removed. The damage to A/C Units is not proved to be caused by me, I was told that I did not owe anything and the original creditor 's manager at the time indicated that I already had paid a payment in advance that would suffice ( see the documents sent in the prior complaint ). This collection agency has refused to speak with me in regard to the matter each time i have called and i have recordings of those attempts to speak with the representative over the account. Per the The Fair Debt Collection Practices Act ( FDCPA ). The FDCPS prohibits debt collectors from using unfair, deceptive, or abusive practices to collect debts. The company has violated my rights in a number of ways, despite this being a fraudulent collections account, the collection company has failed to send me notice of this account being adjusted as they say it was, also I was never formally informed of this collections account that is new as they reported to the credit agencies. If this is associated with the previous collection account that was removed this is in fact illegal what they are doing.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9875010", "source": "cfpb", "group_id": "cfpb/415d535f2b3d85108a62", "variant": "clean", "length_bucket": "medium", "chars": 1435, "company": "EQUIFAX, INC.", "date_received": "2024-08-21", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "415d535f2b3d85108a62c93d955b1bb9a544f1a3279780524796092a83265f6f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Wage garnishment levy in NJ. Account numbers and amounts sued for are inaccurate.\n\nSee attached document s Tried to object to wage garnishment by revealing incorrect numbers sequence, wrong credit card, and illegal service to employer of wage garnishment. Should have been served by Sheriff of XXXX County.\n\nIt was mailed to employer", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "negative_or_legal_action", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3389974", "source": "cfpb", "group_id": "cfpb/9079a892aaa6fd3b3e67", "variant": "clean", "length_bucket": "short", "chars": 335, "company": "Portfolio America Asset Management, LLC", "date_received": "2019-09-29", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Sued you without properly notifying you of lawsuit", "text_sha256": "9079a892aaa6fd3b3e679c343df6ec1b927cc7ec2b42e5363180c164ed36a54a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "At this time I, XXXX XXXX, disputed the my account for violation of federal laws, and rescinding enclosed contract dated XX/XX/XXXX pursuant 15 USC 1635. CarMax Business Services , LLC has participated in unfair credit billing, fraudulent debt collection, and deceptive business practices. CarMax Business Services, LLC violated FDCPA, FCRA and FTC unfair and deceptive business practices.\n\nOn XX/XX/XXXX CarMax Auto Superstore , Inc as the seller entered a contract in a consumer credit transactions in the amount of {$14000.00}, and accepted a cash transaction of {$2000.00} ( violating 15 USC 1605a ), totaling {$16000.00} for the purchase of XXXX XXXX XXXX. The contract violated TRUTH IN LENDING disclosure requirements. CarMax Business Services, LLC violated FCRA 621, FDCPA 807 and FDCPA 808, 15 USC 1666. Nowhere in the contract was the APR or Finance charge disclosed. I also disputed the accuracy of this account several times.\n\nPursuant 15 USC 1605 the amount of the finance charge in connection with any consumer credit transactions shall be determined as the sum of all charges. CarMax Auto Superstore failed to provide the Finance charge, APR or total amount of payments as required by Federal Truth In Lending Act Disclosure requirements. Finance charges does not include fees by a third party. Finance charges are imposed as an incident to the extension of credit ; not to be complied with other fees.\n\nPursuant 15 USC 1692a ( 4 ) creditor does not include assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.\n\nPursuant 15 USC 1692a ( 6 ) Debt Collector CarMax Business Services, LLC had no rights to collect a debt on the consumer credit transactions involving CarMax Auto Superstore , Inc on XX/XX/XXXX, as a third party. CarMax Business Services, LLC therefore participated in unfair credit billing, fraudulent debt collection, unfair and deceptive business practices and was unjustly enriched.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4831629", "source": "cfpb", "group_id": "cfpb/a80a39fa2d67a417b724", "variant": "clean", "length_bucket": "medium", "chars": 1981, "company": "CarMax, Inc.", "date_received": "2021-10-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "a80a39fa2d67a417b724b88d846d9de339295732acaeb1b988276f6e2b59f392", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I went to close my account XX/XX/2019 upon this discovered my account was being fraudulently used with out my knowledge or consent, I reported this upon closing account they stated accounts closed we will be issuing you a check for remaining funds in account and a check for 1 year back of fraudulent charges which were actually 1 1/2 years but would only reimburse back 1 yr. The bank did not close my account for several months accruing maintenance charges also, I was not notified of this nor the denial of reported fraudulent charges which were for XXXX. I didnt even have an account with XXXX it was being used for a woman named XXXX XXXX XXXX to bank of America . I tried for a year to contact anyone at bAnk of America but was repeatedly given wrong numbers for contacts to fix this, I finally got sick of this and scheduled an appointment with a manager at Bank of America in XXXX nh which I was there for hours. The manager said he cant do anything or he would get fired but the bank was in the wrong but according to their policies the only way rectify this situation was for me to repay all of America the XXXX $ something they refunded me for fraudulent charges. Its not much money at all its the principal. My account was being fraudulently used I reported it and did everything I was suppose to, I was lied to by Bank of America saying my accounts were closed and never notified of this with me which In turn led to maintenance fees etc ultimately hurting my credit ability to obtain employment, housing, the ability to obtain a checking account at any bank I still can not get a bank account anywhere! I would greatly appreciate any help or advice I also have an Audio recording of meeting with bank manager and paperwork if you need me to provide any information please let me know and I will provide ASAP. I will only be submitting a few documents/ pictures please let me know if you need more, Thank you respectfully XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7678575", "source": "cfpb", "group_id": "cfpb/7339e210e2a9e4d09989", "variant": "clean", "length_bucket": "medium", "chars": 1944, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2023-10-10", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Fees charged for closing account", "text_sha256": "7339e210e2a9e4d099892d1a815159ceb00d03dae341da87112412e16b9effed", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "It has been since the beginning of 2022 that I have been trying to get access to my free credit report from Transunion. I had to send in information to verify my identity and even when I have called on separate occasions on dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have still not been able to get online access to my credit report. Customer services keeps telling me that my case number XXXX has been \" escalated '' to address the problem, and they have told me over 4 times that I will be able to view my credit report online within 7-10 business days and each of those 4 times, I am faced with an error message. They have explained that since Transunion had to separate two files ( my mother and I have the same name, so all our information was entwined and treated as one single credit report ), that was the issue. But supposedly that is the issue that keeps getting \" escalated '' and I have been told the same thing over 4 times that it will be viewable to no avail.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "unable_to_get_report", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/5659502", "source": "cfpb", "group_id": "cfpb/bbfec9878a479dea7db3", "variant": "clean", "length_bucket": "short", "chars": 1000, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2022-06-11", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Unable to get your credit report or credit score", "sub_issue_raw": "Problem getting your free annual credit report", "text_sha256": "bbfec9878a479dea7db348d80d9dcd0b021e0fd5190bb2221408bfc36de24ba4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX I told the credit bureaus to \" investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account XXXX XXXX and XXXX : account XXXX XXXX ). According to the FRCA The term \" investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate.\nI believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ).\nTo support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address.\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7231837", "source": "cfpb", "group_id": "cfpb/d655ebd21d215e85467d", "variant": "clean", "length_bucket": "medium", "chars": 1732, "company": "Experian Information Solutions Inc.", "date_received": "2023-07-10", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "d655ebd21d215e85467ddcf1214fad497f1abe405eeace5a03ed52e554b2fac4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting \" the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the \" forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1463821", "source": "cfpb", "group_id": "cfpb/c3b1b6709fe922f77aa1", "variant": "clean", "length_bucket": "medium", "chars": 1745, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2015-07-12", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "c3b1b6709fe922f77aa156fa96f0cf659eb8b9cb16bbd525f4772525b9f13ae2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX XXXX XXXX XXXX, XXXX.\nWashington, D.C. XXXX & XXXX XXXX XXXX, Chairman, President & CEO RBS Citizens Financial Group XXXX XXXX XXXX XXXX, Rhode Island XXXX ( XXXX ) XXXX XXXX The Honorable XXXX XXXX XX/XX/XXXX email to https//complaint.consumerfinance.gov/submit-a-complaint CEO XXXX XXXX XXXX, XX/XX/XXXX email to XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX, I present to you my 15th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 15th Citizens Bank Complaint is addressed in a statement.\n\nPlease discover I am truly deeply grateful to you for your important priceless attention. I deeply look forward to discovering your Complaints determinations. If you may have any questions I can answer for you during your deliberations, please dont hesitate to call me at ( XXXX ) XXXX XXXX or email me XXXX.\n\nXXXX XXXX XX/XX/XXXX 15th Complaint Citizen Bank Consumer Finance With Home Equity Loan Department Has Acted Without Merit & Unreasonably When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX & Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX Instructing Home Equity Loan Department Agents XXXX XXXX Must Talk With Consumer Finance When Consumer Finance HAS IN XX/XX/XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX.\n\nXXXX XXXX freely believes the Citizens Bank Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent XXXX & XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent XXXX for XXXX home equity loan account XXXX XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX & a XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX within the 15 day payment grace period given & instructing Home Equity Loan Department Agents XXXX XXXX must talk with Consumer Finance when in XXXX every time XXXX has tried to speak with Consumer Finance they have hung up the phone with her.\n\nXXXX XXXX supporting documentation the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX & the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX, both Citizens Bank recorded calls with truthful notes taken by XXXX XXXX.\n\nXXXX XXXX XXXX XX/XX/XXXX Calls To XXXX XXXX XXXX With Documentation Of XXXX XX/XX/XXXX Call To XXXX & XX/XX/XXXX Call To XXXX at Citizens Equity Loan Department XXXX calls ( XXXX ) XXXX XXXX.\n\nXX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX to Read XXXX & XXXX & with these Reference # s add XXXX XX/XX/XXXX note with a XX/XX/XXXX Reference #.\nXXXX petitions XXXX to find XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX and to add a new XX/XX/XXXX Reference # to XXXX important statement Given Reference # XXXX XXXX & Reference # XXXX XXXX payments, XXXX will have the XX/XX/XXXX {$1200.00} Home Equity Loan account XXXX autopay on XX/XX/XXXX with available funds of Social Security funds she gets & this is within the 15 day grace period for autopay payments thus XXXX would not be charge a penalty.\nXXXX finds Reference # s XXXX & XXXX & reads them.\nXXXX then states looking at issues you have with XXXX. XXXX continues stating accounts of the home equity loan & line of credit have issues & assets recovery is now who I should be speaking with.\nXXXX then importantly notes : she has filed 14 Complaints with the Honorable XXXX XXXX XXXX, with five recent complaints including XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX were not honored by Citizens Bank Home Equity Loan Department.\nXXXX then states he has to check bank policies & procedures & starts doing that, in reference to XXXX petition of a XX/XX/XXXX note Reference #.\nXXXX then importantly notes to XXXX the following : 1 ) CEO XXXX XXXX XXXX has all of XXXX Complaints thus XXXX XXXX has XXXX Complaints, 2 ) XX/XX/XXXX & XX/XX/XXXX Reference # XXXX XXXX & XXXX were allowed per bank policies & procedures XXXX believes & 3 ) XXXX petitions XXXX to have all Citizens Bank involved parties to read the new XX/XX/XXXX Reference # XXXX has petitioned XXXX for.\nXXXX considers the referenced documentation & XXXX statements to him, & then states OK to XXXX petition of a XX/XX/XXXX Reference # attached to her two Reference # s XXXX & XXXX.\nXXXX then importantly offers to XXXX what they have agreed to : You said you would please note Reference # s XXXX & XXXX I will have {$1200.00} available funds for the XX/XX/XXXX autopay Then suddenly XXXX states to XXXX XXXX XXXX I will be back in 2 3 minutes & he puts XXXX on holdXXXX counts the minutes & at eight minutes of waiting for XXXX to return & complete what he stated to XXXX to do, XXXX hangs up the phone.\nImportant Point : XXXX freely believes what XXXX did to XXXX was unreasonable & not merited.\nAt XXXX XXXX XXXX speaks with XXXX & importantly notes to XXXX she believes her call with XXXX was unreasonable & XXXX wishes to have XXXX important work on her behalf.\nXXXX petitions XXXX to find the XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX and to add a new XX/XX/XXXX Reference # to XXXX important statement Given Reference # XXXX XXXX & Reference # XXXX XXXX payments, XXXX will have the XX/XX/XXXX {$1200.00} Home Equity Loan account XXXX autopay on XX/XX/XXXX with available funds of Social Security funds she gets & this is within the 15 day grace period for autopay payments thus XXXX would not be charge a penalty.\nXXXX finds my XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX & states to XXXX he is noting the two Reference # s & will put me on a 2 minute hold.\nIn less than 2 minutes XXXX comes back on the phone & states to XXXX the XX/XX/XXXX Reference # is XXXX.\nXXXX then confirmed what XXXX noted on Reference # XXXX, XXXX states to XXXX Reference # XXXX states : XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX have the XX/XX/XXXX Reference # XXXX with XXXX important statement Given Reference # XXXX XXXX & Reference # XXXX XXXX payments, XXXX will have the XX/XX/XXXX {$1200.00} Home Equity Loan account XXXX autopay on XX/XX/XXXX with available funds of Social Security funds she gets & this is within the 15 day grace period for autopay payments thus XXXX would not be charge a penalty.\nXXXX reply Yes & XXXX states to XXXX thank you very much.\n\nXX/XX/XXXX At noon XXXX speaks with XXXX & importantly requests XXXX please note XXXX Home Equity Loan account XXXX with : I paid the Town of XXXX property tax bill, a condition of my Home Equity Loan, on XX/XX/XXXX, check XXXX in the amount of {$1100.00}.\nFor paying this property tax bill I therefore do not have available funds today, XX/XX/XXXX, to pay the {$1200.00} autopay for my Home Equity Loan.\nImportant note : in less than the 15 day Citizens Bank grace period, on XX/XX/XXXX, I will have available funds to pay the XX/XX/XXXX {$1200.00} autopay.\nI petitioning the Citizens Bank Equity Loan Department to take the XX/XX/XXXX {$1200.00} autopay for my Home Equity Loan account XXXX on XX/XX/XXXX, less than the 15 grace period days given for loan payments, and to not charge me any penalty or late fee.\nXXXX states to XXXX : My account has been removed & marked secure so he has no access to it.\nXXXX states XXXX needs to speak with Citizens Loan Customer Finance & XXXX notes they have hung up the phone on her & their actions caused her to file eight Complaints to the Federal Reserve.\nFollowing learning from XXXX Citizens customer service specialists on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX were able to note XXXX account, XXXX tries to do so again offering think I can access account ending XXXX.\nXXXX takes sufficient time to write XXXX detailed XX/XX/XXXX note above on XXXX account ending with XXXX.\nWhen XXXX was finished he gave XXXX Reference # XXXX for XXXX above XX/XX/XXXX Home Equity Loan account XXXX note.\nXXXX states thank you to XXXX & offers him a Happy XXXX.\n\nXX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX for her to take the opportunity to make a Reference # for XXXX important statements to XXXX.\nXXXX states to XXXX she was just stunned when she discovered Citizens Bank did not take the {$1200.00} XX/XX/XXXX autopay per the XX/XX/XXXX Reference # XXXX recorded by Customer Service Specialist XXXX who XXXX spoke regarding XXXX Home Equity Loan account XXXX on XX/XX/XXXX.\nXXXX states to XXXX she found Reference # XXXX & would thoroughly read it.\nFollowing XXXX reading of said Reference # XXXX politely stated to XXXX she wanted XXXX to please note her Home Equity Loan account XXXX with these important notes & when XXXX had completed writing said important XX/XX/XXXX notes, would XXXX please give XXXX a Reference # for said XX/XX/XXXX. XXXX stated to XXXX she would write XXXX important notes & give XXXX a XX/XX/XXXX Reference #.\nXXXX Important notes : 1 ) XXXX was stunned when she discovered early the morning of XX/XX/XXXX Citizens Bank had chosen to act to not withdraw the XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX per XXXX recorded XX/XX/XXXX important notes recorded by XXXX, Reference # XXXX. XXXX believes Citizens Bank Loan Customer Finance officials knew of the XX/XX/XXXX Reference # XXXX & chose not to act to withdraw the XX/XX/XXXX {$1200.00} autopay even though said officials had established a precedent to take the {$1200.00} autopays per XXXX calls with recorded notes over the last months ; 2 ) XXXX believes said unreasonable act by the Citizens Bank Loan Customer Finance is a violation of Federal Reserve banking regulations which XXXX will write another Complaint to the Honorable XXXX XXXX XXXX about ; 3 ) XXXX importantly notes for unreasonable actions by Citizens Bank Loan Customer Finance earlier, XXXX wrote eight Complaints to the Federal Reserve ; thus, the Citizens Bank Loan Customer Finance has not changed their actions on XXXX Home Equity Loan account # XXXX ; 4 ) XXXX will not pay any penalty or any fee for the XX/XX/XXXX {$1200.00} autopay to be withdrawn for the established president by Citizens Bank Loan Customer Finance ; and 5 ) as a curtesy call today XX/XX/XXXX, XXXX is calling for a second time to have Citizens Bank withdraw the XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX for it was not withdrawn on XX/XX/XXXX even though Citizens Bank Loan Customer Service knew by Reference # XXXX XXXX the funds were available on XX/XX/XXXX, well within the 15 day payment grace period given by Citizens Bank Loan Customer Finance.\nXXXX states to XXXX she can not withdraw the {$1200.00} autopay, only Citizens Bank Loan Customer Finance handles the autopays, & XXXX states there may be a fee which only officials of the Customer Finance would handle. And XXXX would find a senior Customer Finance staff to take XXXX transferred call.\nXXXX importantly states to XXXX multiple times when XXXX has tried to speak with Customer Finance, Customer Finance hangs up the phone on XXXX by either closing the transferring call or hanging up the phone with XXXX when she is speaking with a Customer Finance staff.\nXXXX further importantly notes to XXXX XXXX does not know who within the Citizens Bank Home Equity Loan Department handles autopays & all of her earlier months Home Equity Loan account XXXX notes have been acted upon by the Citizens Bank Home Equity Loan Department.\nXXXX writes up XXXX important XX/XX/XXXX notes. When she is done XXXX gives XXXX a XX/XX/XXXX Reference # XXXX.\nXXXX asks XXXX to read to her what the Reference # XXXX states, to make sure XXXX wrote all of XXXX important notes.\nXXXX reads XX/XX/XXXX Reference # XXXX & everything is correct except one note in which XXXX had written XXXX will not call & talk with Customer Finance.\nXXXX then importantly notes multiple times for XXXX for Consumer Finance hangs up the phone with XXXX, XXXX can not talk with them.it is not a case of XXXX not willing to talk with Consumer Finance as XXXX had written.\nXXXX writes the above correction & then states to XXXX all of XXXX important XX/XX/XXXX Home Equity Loan account XXXX notes are written & recorded by Reference # XXXX.\nXXXX requests of XXXX that she please make sure all Customer Service staff see & read XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX.\nXXXX thanks XXXX for her work.\n\nXXXX XXXX XXXX XX/XX/XXXX Call To XXXX With Documentation Of XXXX XX/XX/XXXX Call To XXXX & XX/XX/XXXX Call To XXXX XXXX XX/XX/XXXX Call To XXXX at Citizens Home Equity Loan Department XXXX call ( XXXX ) XXXX XXXX, Citizens Home Equity Loan Department.\n\nXX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX to Read XXXX & XXXX & XXXX & with these Reference # s add XXXX XX/XX/XXXX note with a XX/XX/XXXX Reference #.\nXXXX requests of XXXX to please find & read three Reference # s of XXXX calls : 1 ) XX/XX/XXXX call with XXXX, XXXX, 2 ) XX/XX/XXXX call with XXXX, XXXX & 3 ) XX/XX/XXXX call with XXXX, XXXX.\nFurthermore, after reading the given important reference # s, XXXX petitions XXXX to write XXXX XX/XX/XXXX statements involving her home equity loan XXXX autopayments with an assigned XX/XX/XXXX Reference #.\nXXXX finds & reads the three Reference # s XXXX offered. XXXX requests of XXXX if she is ready to write XXXX XX/XX/XXXX statement with a XX/XX/XXXX assigned Reference #. XXXX answer is yes.\nXXXX XX/XX/XXXX statement : 1 ) XXXX importantly stated I would have Social Security available funds on XX/XX/XXXX for my home equity loan XXXX XX/XX/XXXX {$1200.00} autopay in the Citizens Home Equity Loan Departments allowed 15 days to make an autopay with no penalty & no late fee & no charge of any kind. XXXX does not know why the Citizens Bank Home Equity Loan Department acted to not collect XXXX XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX & even as of today, XX/XX/XXXX, said department has still not withdrawn XXXX XX/XX/XXXX available XX/XX/XXXX {$1200.00} autopay, & 2 ) and for reserving XXXX XX/XX/XXXX Social Security funds for her Home Equity Loan XXXX XX/XX/XXXX autopay, XXXX will have Social Security available funds on XX/XX/XXXX for said loans XX/XX/XXXX {$1200.00} autopay with no penalty & no late fee & no charge of any kind for this XX/XX/XXXX available funds autopay is in the Citizens Bank Home Equity Loan Department allowed 15 days to make an autopay. XXXX then importantly notes to XXXX to please make sure the Citizens Bank Home Equity Loan Department actually takes XXXX available funds for her autopays for XXXX knows of no explanation why the Citizens Bank Home Equity Loan Department has not withdrawn XXXX available funds for her loans {$1200.00} autopays.\nXXXX notes to XXXX the Citizens Bank Home Equity Loan Department Consumer Finance staff are who XXXX needs to speak with.\nXXXX reply is the Consumer Finance staff in XX/XX/XXXX have always hung up the phone on XXXX not allowing XXXX to speak with them. Further, XXXX notes to XXXX Consumer Finance hung up calls with XXXX : 1 ) when XXXX was transferred to Consumer Finance by a Citizens Bank Home Equity Loan Customer Service Specialist, Consumer Finance just hung up the line when XXXX was waiting on the line & 2 ) XXXX was having a reasonable conversation with a Consumer Finance Specialist, just like she was having with XXXX, & then suddenly the Consumer Finance Specialist just hung up the phone with XXXX.\nXXXX reply to XXXX XX/XX/XXXX Consumer Finance experiences : Do our best to read notes & get you set.\nXXXX gave XXXX her XX/XX/XXXX important Home Equity Loan XXXX statements XX/XX/XXXX Reference # XXXX.\nXXXX thanked XXXX very much.\nLater on XX/XX/XXXX when XXXX checked the status of her available XX/XX/XXXX {$1200.00} autopay, XXXX learned from the ( XXXX ) XXXX XXXX Citizens Bank staff her XX/XX/XXXX {$1200.00} autopay was collected by the Citizens Bank Home Equity Loan Department on XX/XX/XXXX.\n\nXXXX XXXX Offers This Bottom-line : XXXX XXXX Freely Believes Citizens Bank Has Violated Federal Banking Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank Consumer Finance With Home Equity Loan Department To Have Acted Without Merit & Unreasonably When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX & Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX Instructing Home Equity Loan Department Agents XXXX XXXX Must Talk With Consumer Finance When Consumer Finance HAS IN XX/XX/XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX.\n\nI wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 15th Complaint. I await your replies.\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2788276", "source": "cfpb", "group_id": "cfpb/bb282ff4ee13939d3744", "variant": "clean", "length_bucket": "long", "chars": 18128, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2018-01-20", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "bb282ff4ee13939d3744e81cf8ae54c2a5b29d72a81c6b71f4e304bd202cd4c7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased a vehicle from a local dealership on XX/XX/2020 Vehicle was priced for XXXX with a warranty of XXXX attached making total of XXXX putting down a payment of XXXX cash ( with not bad credit at all ) a lender by the name of XXXX XXXX picked up the loan @ a interest rate of 22.9 % left me owing XXXX or XXXX for total after vehicle is paid in full. Total still due on vehicle is XXXX. As a consumer I am looking into this interest rate I feel it was very unfair Ive seen where this lender has been investigated in the State of XXXX wondering if anything in Illinois is in question on this lender thanking you in advance", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5713125", "source": "cfpb", "group_id": "cfpb/9c956e8707de7bf6e8d5", "variant": "clean", "length_bucket": "short", "chars": 628, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2022-06-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with the interest rate", "text_sha256": "9c956e8707de7bf6e8d561cb43f6cbaaf215fa48abc871c9811cd8a7c38c1b61", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I currently have a traditional 30 year mortgage with US Bank Home Mortgage. My property taxes were due to the Washington DC on XX/XX/XXXX. US Bank has been escrowing the taxes. They had the wrong Lot number associated with my property. I provided them with the correct lot # and a copy of the DC Real Property Tax Bill on XX/XX/2018, well in advance of when the tax bill was due. They still have not paid the property taxes and have not resolved the issue. My taxes are now late. The customer service tax department is particularly unhelpful. They are now telling me that they won't have this resolved until XX/XX/XXXX ( after I was told it would be resolved by XX/XX/XXXX ). Please advise what can be done. Thank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3038509", "source": "cfpb", "group_id": "cfpb/a9ffd21cbd36e8fcb2fd", "variant": "clean", "length_bucket": "short", "chars": 719, "company": "U.S. BANCORP", "date_received": "2018-10-05", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "a9ffd21cbd36e8fcb2fd518a6fa11bbaed4c6d6998fe675d34c36dc6fc10323c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My account was with XXXX. I was paying a small portion during the Pandemic for Covid in 2020. I had an agreement with XXXX to start paying more after the Quarantine. I was not working at the time. Next thing I knew I'm getting a bill from some law firm for over XXXX XXXX. I d\n\non't know who these people are so I'm not paying. Then I learned that XXXX bought XXXX.\nSo here I am not wondering about my agreement with XXXX. I can not contact XXXX cause they don't exist any longer. Called XXXX and they have no idea who I am or what I'm talking about.\nI am not paying any money to anyone. This company that is on my XXXX credit report, I have no idea who they are and why they have a debt on my report.\nI need to have this removed from my report. This company is not registered in NJ. I do not owe them any money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9315813", "source": "cfpb", "group_id": "cfpb/793cc9962da1b4bc84b2", "variant": "clean", "length_bucket": "short", "chars": 816, "company": "CL Holdings LLC", "date_received": "2024-06-21", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "793cc9962da1b4bc84b213fe88acdbf3d0e7e92e613533e228b71213f19c9f66", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX Experian claim that I have bankruptcy and medical bills, some referring to XXXX treatment, I am healthy, never had XXXX, further more, if there are any issues with medical records or bills then the VA should have handled them. I am a victim of identity theft. I am starving to death. I cant find a job, get insurance, apparently someone is already getting benefits in my name with ssa. Im stuck. I have three credit bureaus telling blatant lies and refusing to disclose even to me the extent of the problem. Im sick of sitting on my hands hoping that someone will help. If this doesnt imply how much in dire straits I am in, I guess Ill have to start helping myself", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4325461", "source": "cfpb", "group_id": "cfpb/fe1041d8355a4da64fdf", "variant": "clean", "length_bucket": "short", "chars": 675, "company": "Experian Information Solutions Inc.", "date_received": "2021-04-24", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Public record information inaccurate", "text_sha256": "fe1041d8355a4da64fdfd03d855f1d5c8df896cedef2c3f5d8312f203e3bafe5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On or about XX/XX/XXXX, I filed a complaint with the CFPB regarding the improper reporting of a credit account on my credit report by PYOD LLC who was attempting to collect an alleged debt for an account I formerly held with XXXX XXXX XXXX. The outcome of that complaint resulted in the removal of PYOD LLC ( a non-affiliate ) from all of my credit reports. After further consideration of the laws afforded to me as a federally protected person, PYOD LLC ( a non-affiliate ) and XXXX XXXX XXXX owe me remedies, as afforded to me through federal and state law, for improperly reporting my credit account to the three Credit Reporting Agencies ( XXXX ), XXXX ( a non-affiliate ), XXXX ( a non-affiliate ), and XXXX ( a non-affiliate ) ; sharing my personal information between XXXX XXXX XXXX, the XXXX ( non-affiliates ) and PYOD LLC ( a non-affiliate ) without my expressed written consent ; selling my personal information without my written consent to a non-affiliate ( i.e. PYOD LLC ) ; misrepresentation of facts by alleging and communicating to me that a debt was owed to PYOD LLC ( a non-affiliate ) on behalf of XXXX XXXX XXXX when PYOD LLC ( a non-affiliate ) willingly and knowingly \" purchased the debt '' from XXXX XXXX XXXX thus nullifying any alleged debt to XXXX XXXX XXXX ; and, damaging my credit report and credit reporting history by reporting this alleged debt to the XXXX which misrepresented my creditworthiness and caused me financial and material damages as it prevented me from obtaining a more favorable credit rating ultimately resulting in me being denied credit, having a lower available credit line, and/or having a higher interest rate on certain lines of credit. The specific violations of law committed by PYOD LLC ( a non-affiliate ) and XXXX XXXX XXXX are, but are not limited to : The Privacy Act of 1974 and 15 USC 1681 ( 4 ) which states that I have the right to privacy.\n\n15 USC 1681 which states that there must be a permissible purpose for this information to be shared 15 USC 1681a which provides for the definitions and rules of construction where specifically subsection ( d ) Consumer Report.\n( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.\n( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title... Both XXXX XXXX XXXX and PYOD LLC ( a non-affiliate ) failed to meet and/or adhere to any of these definitions and violated my federally protected rights when they engaged in a monetary transaction to buy and sell my personal and financial information.\n\n15 USC 1681b which states that there must exist a permissible purpose and that ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Neither XXXX XXXX XXXX nor PYOD LLC ( a non-affiliate ) obtained my written instructions.\n\n15 U.S. Code 1681q - Obtaining information under false pretenses - In the attached letter from XXXX XXXX XXXX, it states that XXXX XXXX had no knowledge of how PYOD LLC ( a non-affiliate ) obtained my information nor that they were attempting to collect any alleged debt from me. However, in PYOD LLC 's ( a non-affiliate ) response letter to the complaint filed with the CFPB on or about XX/XX/XXXX, PYOD LLC asserts that they \" purchased '' the \" debt '' from \" XXXX XXXX XXXX ''. Thus, the two ( 2 ) letters conflict in how PYOD LLC obtained my personal information which was under XXXX XXXX 's fiduciary and material care from approximately XXXX to XXXX. This also means that PYOD LLC ( a non-affiliate ) may have obtained my personal information under false pretenses and/or stole my information from XXXX XXXX XXXX , and/or XXXX XXXX XXXX was negligent in protecting my personal information. This also means that either XXXX XXXX Bank and/or PYOD LLC is in violation of 15 USC 1681r , which is punishable by a fine under title 18 and/or no more than 2 years in XXXX.\n\n! 5 USC 1681 s-3 affiliate sharing. XXXX XXXX XXXX, the XXXX, and PYOD LLC ( a non-affiliate ) have all violated this code as PYOD LLC and the XXXX are non-affiliates to XXXX XXXX XXXX, and one another. None of these companies had the legal right to share my information and violated this code.\n\n15 USC 1692b Acquisition of location, under abusive debt practices, states Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. PYOD LLC ( a non-affiliate ) did violate this code by committing these acts.\n\nPYOD LLC ( a non-affiliate ) also violated 15 USC 1692c ( a ) Communication with the consumer which states that generally, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties which states ; Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. PYOD LLC ( a non-affiliate ) violated this code when it reported to the CRAs, my alleged debt with XXXX XXXX XXXX negatively affecting my credit score and overall creditworthiness.\n\nPYOD LLC violated 15 U.S. Code 1692e and 15 USC 1681q- False or misleading representations by communicating that they had the legal right to collect any alleged debt on behalf of XXXX XXXX XXXX XXXX PYOD LLC also violated this code by asserting that a debt was still owed to XXXX XXXX XXXX, when in fact PYOD LLC had purchased the debt making the debt owed to XXXX XXXX XXXX \" void '', \" cancelled '', \" redeemed '', and/or otherwise \" paid in full ''. I had/have no contractual obligation to PYOD LLC and have not, nor am currently engaged in any financial or other transaction with PYOD LLC XXXX Thus PYOD LLC falsely and misleadingly attempted to construct a contract where none existed.\n\nDue to these numerous violations of my federally protected rights, I am seeking federal and state remedies afforded to me under the governing laws and codes against the aforementioned companies.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6317197", "source": "cfpb", "group_id": "cfpb/b249ed99b59d43ddbe76", "variant": "clean", "length_bucket": "long", "chars": 8920, "company": "Resurgent Capital Services L.P.", "date_received": "2022-12-13", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "b249ed99b59d43ddbe76f7ea9b41ecf9f1dbae228aa1c8e396f6e05cb421a842", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I used a XXXX party Check system that uses a check XXXX process, when using this service with my bank the bank stated that the check deposited was counterfeit. The company ( XXXX ) proved that the process that is held was not only an honest process but very compliant. The initial check deposit from them was for {$50000.00} and Truist placed a hold on that check also has placed a block on all of my personal and business funds that ive deposited that pre date that check deposit. I have reached out countless times expressing the volume of damage that Truist has done by withholding my business and personal funds in where I can not cover my basic expenses. I am given deadlines and time lines are not being fulfilled alongside this I am being told hat I must await for an \" XXXX '' to reach out to me in regards to my claim with no other supporting dates. I have provided a plethora of information proving that there is no fraudulent activity that is on my account and I have baked with Truist for a sum of 8 months now with no error, claim, dispute, case, or block on my account at all. Truist continues to push me off and not clarify the reason of the hold and constant block of ALL of my funds even though it has been proven that the 3rd party system and the check used was in fact not counterfeit. Truist is now stating they are investigating as whether to release MY funds that rightfully belong to me as no other parties are or have contested that these funds belong to them. I was also informed when visiting the home branch that the initial operations manager did not like me and that she also verbatim tried it in regards to not even letting obtain capital from my own account in which I have had problems with my account since by being discriminated ( I have recordings and also photo screen shots of correspondence with lead bankers of this operations manager stating to not personally like me due to m being young, XXXX XXXX, and running a business ) and also not having adequate responses on as to my funds that pre date this check are not released. Supporting information has been provided in regards to every single merchant deposit that was not cash into our account also a thorough break down of how our services work with proof of communication to all customers that we have received large payments from.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/8389080", "source": "cfpb", "group_id": "cfpb/746f099edf3ea8ed3c5a", "variant": "clean", "length_bucket": "medium", "chars": 2326, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2024-02-21", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Funds not received from closed account", "text_sha256": "746f099edf3ea8ed3c5a0bc4f947b5e5bc344643cf5ce6fb636146277ee2a1b3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Mariner Finance is distributing misleading advertising that appears designed to take advantage of consumers with low financial education, low literacy, or low English proficiency. They mailed me a offer for a personal loan disguised as a \" check '' that, to someone unfamiliar, would appear as a real check similar to a paycheck or reimbursement. I feel this likely traps many people in high interest loans that they do not understand. They even state in the fine print that if you cash this check they will send additional checks from time to time that represent additional loans. This is predatory, and will ensnare consumers in high interest debt that they do not understand. I received this misleading advertising on XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10386776", "source": "cfpb", "group_id": "cfpb/ed8594e5e158938a3797", "variant": "clean", "length_bucket": "short", "chars": 725, "company": "MARINER FINANCE, LLC", "date_received": "2024-10-08", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "ed8594e5e158938a379774e1f7d6ee50538a1c1bde2f381f5a3e2c3f7923569b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2120054", "source": "cfpb", "group_id": "cfpb/db960ea6fc40857a8d9a", "variant": "clean", "length_bucket": "medium", "chars": 1795, "company": "DISCOVER BANK", "date_received": "2016-09-19", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "db960ea6fc40857a8d9af264f9b7180b89922587fc293a5ff56ee3f81c33e91f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I decided to open a optional service that my bank JP Morgan chase bank business account offers. This service is termed quick pay and allows the business account to accept payments through service called XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX and many of the XXXXXXXX XXXX come through in the form a Visa card. They are called virtual visas and to deposit them we run them through our merchant accounts. In XX/XX/XXXX, I saw the service chase was promoting that it would stream line the funds easier and more efficiently. I decided to open the account available through my business account with Chase and deposit the virtual visa cards that i had received as payment from XXXX XXXX we work with. I deposited approx XXXX that day which involved multiple virtual cards. A few days later, Chase notifies me that my account has been closed due to suspicion of fraud. They return most of the funds to their original virtual cards except for approx amount of XXXXXXXX XXXX They indicated they need to hold this incase thier was a claim for these funds for approx of 120 days. I asked them on what they were basing these allegation through an email. They don't accept phone calls. Appeals have to be done only by email. I explained that these cards are legal and i sent them information from the XXXX that explain these forms of payments through copies of the invoice payments and the virtual cards attached to these invoice payments. I get a response few days later around XX/XX/XXXX that my appeal was denied and the actions taken to close the account would remain with the hold of the XXXX. I made phone calls but no one could help me. The only advise was i needed to wait for the 120 days. In XXXX XXXX I contacted Chase XXXX that the 120 days has passed and please return the XXXX that was held. A week later, I get XXXX emails from Chase XXXX stating as follows XXXX XXXX XXXX ( Chase Integrated Payments ) XX/XX/XXXX, XXXX XXXX XXXX XXXX, Thanks for reaching out to us! My name is XXXX, and I am happy to assist you today.\n\nI can confirm that the 120 days period has already passed from the date the account was closed. I will chime in our Trust and Safety team to confirm if they can now release the funds.\n\nYou should receive a response from them shortly.\n\nBest regards, XXXX XXXX Customer Delight - Account Specialist Chase Integrated Payments, Powered bXXXX XXXX \" XXXX ( Chase Integrated Payments ) '' XX/XX/XXXX, XXXX XXXX Hello, Due to the reason for the termination of your account, at this time we will not be releasing the funds. Funds can be held for up to 3 years to allow for any dispute or settlement needs.\n\nFor other questions related to your account, please reply directly to this ticket Thank you, XXXX Trust and Safety Team Chase Integrated Payments, Powered by XXXX XXXX I emailed them that same day, in response to this email. I received a response on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Chase Integrated Payments ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX My name is XXXX and I'm an Account Specialist here at Chase Integrated Payments . We've been made aware about your inquiry on the funds being held and it passed the 120 days mark.\n\nOur Trust and Safety team sent out a communication to you via email last XX/XX/XXXX and I see that you responded.\n\nThey offer no explanation and they do what ever they want with the money. I waited the 120 days to only be told after the 120 days that now it can be held indefinite to a maximum of 3 yrs. There is no explanation other then that.\n\nAt this point, its XX/XX/XXXXXXXX XXXX XXXX XXXX I decided to file this complaint cause I don't know what else to do. It is like running to walls and no one knows anything and no explanations of any sort.\n\nany help would be appreciated.\n\nthank you XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8988645", "source": "cfpb", "group_id": "cfpb/ae50b28642e344a22581", "variant": "clean", "length_bucket": "medium", "chars": 3776, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-05-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unexpected or other fees", "sub_issue_raw": "", "text_sha256": "ae50b28642e344a22581c8475ed43d226d6f06aa5e16f2ea21c56c6332be736d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/year> I received an email and a text telling me I had opened a XXXX XXXX account. I had never heard about self incXXXX let alone set up an account. Someone has stolen my identity and opened an account in my name. I called the only number listed and after providing my information the representative told me he canceled my account. I asked to speak to someone to find out what information the identity thief used to open an account. I wanted to know how this happened as I never verified an email or phone number. I wanted to know if someone needs to submit any type of photo identity to open an account. I wanted a letter stating that 1 ) The fraudulent account is not mine. 2 ) I am not liable for the account. 3 ) It was removed from my credit report. I asked to speak with someone who could help me and the customer service agent said he did not have any way to contact someone in the \" back office ''. There was no email or phone number he could provide. All he could do was send a message and someone would get back to me within XXXX business days. I later received an email from XXXX. It stated \" the account is valid and reporting correctly ''. The e-mail did not provide any way to follow up, no email and no phone number. I called again and went through the same process to try to talk to someone. Again I received an email that stated \" we have completed the investigation and determined the account is valid and reporting correctly ''. Again there was no way to have a conversation with anyone from the bank. As it stands self continues to consider my account a valid account and they have shown no interest in recognizing the fraud occurred or helping me understand how it occured. They have also not shown any interest in helping me understand what information they have.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/9220105", "source": "cfpb", "group_id": "cfpb/ea1309e24a909f289845", "variant": "clean", "length_bucket": "medium", "chars": 1794, "company": "Self Financial Inc.", "date_received": "2024-06-10", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "ea1309e24a909f28984587d8f7c6d0e0956d56d0c4cc2ca30142e55b5a1fe5f8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent money on XX/XX/12 but two days later 1 hour after the bank filed it I contacted them and asked them to cancel it but then they took 4 days to get back to me so by that point the other bank was already involved. If chase had just put a stop in there wouldnt be an issue I tried calling them too but their line is disconnected for that service center I also had to have a different one refunded and I lost {$50.00} on it and they havent refunded me Ive tried emailing them both times multiple times and they dont ever respond", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "unauthorized_transactions", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6020175", "source": "cfpb", "group_id": "cfpb/92d79c43f41640c8f4f1", "variant": "clean", "length_bucket": "short", "chars": 530, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-09-27", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "92d79c43f41640c8f4f15749195c80af1543648e7896a2a3eaca8d0d9458d49b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have two accounts with American Credit Acceptance. One was for a XXXX XXXX that was involved in an accident and there was a total loss claim. There was no GAP insurance on the car. However, I was able to get another car, a XXXX XXXX XXXX with the same company. While the other was a total loss claim, I secured the new car and made payments. However, the company in question has been applying my car payments to the XXXX instead of the XXXX. They have been contacted on numerous occasions about this issue and it has yet to be resolved. I now face additional credit reporting issues and past due payment contact that is also affecting my wife as she is a co-signer on the XXXX. A company representative named XXXX, advised that they apply the payment to the first car that shows in their system. In this case it would be the XXXX. However, on XX/XX/XXXX, I called again to get this issue resolved and was advised by another rep that the XXXX account was sold to XXXX XXXX XXXX XXXX, who can be contacted at the number XXXX. However, if the account was sold to another collection agency, then American Credit Acceptance should not be applying my payments on my XXXX to the XXXX. In addition, The XXXX XXXX XXXX has never provided me with a debt validation letter with regards to the XXXX. In fact, I just found this was referred to a third party collection agency.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4154791", "source": "cfpb", "group_id": "cfpb/27939b1449d7d4b1e2c6", "variant": "clean", "length_bucket": "medium", "chars": 1365, "company": "American Credit Acceptance, LLC", "date_received": "2021-02-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "27939b1449d7d4b1e2c6d4c750d9342a46c6de3f21894334f92b9df0829ec6ac", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I attempted to deposit a check at the local Regions Bank located in XXXX Texas that was missing a endorsement from the second party which was lien holder of my vehicle. The check was placed on hold and all of my accounts were frozen as a result.\n\nIve spent a total of 5 hours trying to rectify this matter at the Regions Branch and on the phone. I contacted XXXX XXXX to cancel the check which they did. I was told once the check was either endorsed or canceled then the hold would be lifted from my accounts. I was lied too. Regions bank will not do their do diligence and are still holding the check after receiving proof its been canceled. These is Day 2 I am unable to feed my daughter and make any purchases.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3164983", "source": "cfpb", "group_id": "cfpb/29ad770c43443909146f", "variant": "clean", "length_bucket": "short", "chars": 714, "company": "REGIONS FINANCIAL CORPORATION", "date_received": "2019-02-27", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "29ad770c43443909146f4656a9cd2cc095a978a2c81a0248625fb4da8a09e354", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have had this loan with Chrysler Capital since XXXX of XXXX. I am filing this complaint because Chrysler keeps trying to state that this loan was not predatory and so on. First and foremost I was completely taken advantage of a the XXXX dealership and not only that I was overcharged about XXXX on what I should have paid on this. As a single mom and under duress since I needed a new car and was in a bad place after divorce I took this loan and it has been the biggest regret of my life. XXXXSANTANDER/ Chrysler Capital should be ashamed and they have been investigated multiple times and have had to pay fines. But I am attaching the letter from them after XXXX. They claim that the loan was not predatory but it clearly was and they actually prove that in their letter since it clearly shows how much I have struggled to even pay this loan. Not only that the car I have had to spend over XXXX on repairs on from the head gasket to the transmission and cat converter non of which was covered in warranty. I also cancelled the extended warranty and gap insurance 2 months after purchase which was supposed to be credited on my account. in XXXX which seems they never did either. Also when they claim this loan was not predatory then why has it been so difficult for me to make payments which is clearly proven in the letter they sent to me. I can barely pay for this and as a single mother of 2 this loan has drained the life of me and been a constant stress. Chrysler has been nothing but horrible and dismissive. To date I have paid them over XXXX for a XXXX car ( owing another XXXX ) and still all my money just lines their pocket with interest. I could never refinance since the car has always been underwater as well. I do not want this to happen to any other person and that is why I am sending this and that is why I am showing where the issues are. If this was an easy non predatory loan then I would not have 32 late payments. All of my other bills are paid on time. Honestly I should have never been approved for a XXXX payment. There is no way I could make it. XXXX is what I should have been approved up to. While Chrysler Capital tries to place blame on everyone but them it is quite clear they also hold liability here and are preying on struggling people. Also they sent me an email on XX/XX/XXXX stating they had options to help me on my loan and when I called them they just stated they have nothing to help with and they just email that out to have you call in. False advertising Dear XXXX, Chrysler Capital is pleased to service your vehicle account. Our goal is to make your experience with us a positive one.\n\nBased upon a review of your account it appears that we may have assistance for you. We are here to help you but need to speak with you to discuss these options.\n\nPlease contact us at XXXX, Monday through Friday, between the hours of XXXX XXXX. XXXX XXXX., CT, or Saturday, from XXXX XXXX. XXXX XXXX., CT, to speak with a customer service representative regarding your account.\n\nWe appreciate your business and look forward to assisting you with your auto finance needs.\n\nSincerely, Chrysler Capital I want the CFPB to use this information to educate people and investigate into these practices that Chrysler denies. I have already started a private XXXX page for people to share their stories about this and I am in discussions with an attorney. For either working on my case about predatory and discriminatory actions towards women specifically. I have learned a valuable lesson and I am smarter on this now and see how I was taken advantage of. Chrysler Capital needs to pay for how horrible of a company they truly are. Their reviews are the same all BAD. I am not alone in this and this company has the worst customer service and values I have ever dealt with. I will be posting all over the internet the letter they sent me. No one likes to show that have struggled to pay a car loan but this loan has destroyed my life and one I still can't get away from because how under water it is. I am sick to my stomach how this company has taken my happiness and ability to give my kids things to pay for it and at that point barely pay it. I took a huge pay cut in XXXX but this company will never refinance or do anything to help customers. They just offer XXXX extensions which gives them more money in interest. It does not help the customer. I will never buy a XXXX XXXX ever again and I am working with people to expose that I am not the only one this company has destroyed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5239049", "source": "cfpb", "group_id": "cfpb/09c77c738af99772e90f", "variant": "clean", "length_bucket": "long", "chars": 4525, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2022-02-18", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "09c77c738af99772e90f81b38913deebf7a8a0366c6d21b28ff092ea253adf55", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX i had made a purchase for two stainless steel automatic watches. They were apparently custom watches of highest quality which were made to look like XXXX style watches. I had ordered them and paid {$1300.00} using my Discover credit card. I received a package from XXXX which either way only contained ONE watch and not two that i ordered so that issue number 1.\n\nWith the watch i did receive, it was nothing like what was shown in the images and it was a cheap XXXX branded fake that i think anyone with any type of eye sight could see. I did NOT order a XXXX or replica watch.\n\nXXXX sided in my favor but for some reason did not refund my money, i forwarded this to Discover but they did not care. They also did not care about receiving only ONE of the TWO watches i ordered and still insist in charging me {$1300.00} and saying the charge is valid. The seller responded by saying he did not sell a counterfeit XXXX but a XXXX XXXX but if you search online ... a XXXX XXXX is a high quality counterfeit XXXX. I had reported the listing and seller which was removed and they banned the seller from XXXX YET discover still believes the charge was valid though i only receive one of the two watches i ordered and provided them pictures of the counterfeit product which i would say its illegal for them to say this counterfeit product is a valid charge.\n\ni offered to file a police report and they still did not care. They are saying i did NOT return the product but thats due to XXXX not asking me to return anything. PLUS it is illegal to use the united states postal service to mail counterfeit products especially overseas.\n\ni was not told by anyone to mail anything back nor did the seller request this single watch back. They said i received a empty box in the report when i clearly sent pictures of the single counterfeit XXXX replica i received.\n\nThe seller is a liar from a foreign country that is clearly committing fraud and looks like Discover is encouraging it", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3116135", "source": "cfpb", "group_id": "cfpb/2ecadaef55f8ac6c88a2", "variant": "clean", "length_bucket": "medium", "chars": 1993, "company": "DISCOVER BANK", "date_received": "2019-01-03", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "2ecadaef55f8ac6c88a2e09b173034615177aefe95e19dc7e581dfdb7c83bd3e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX I sent a letter to my mortgage company Rushmore Loan Management Services ( RLMS ) requesting release of my Private Mortgage Insurance ( PMI ). The letter is attached. I stated that my current loan value was {$78000.00}, and my property value was {$100000.00} according to the appraisal that the loan was based on. RLMS responded XX/XX/XXXX stating that my request was denied because the loan-to-value ratio had not reached 80 % based on the original value of the property. The response is attached. I then submitted a dispute via online secure message on XX/XX/XXXX explaining that I disagree with their loan-to-value ratio calculation. The correspondence is attached. I stated that the appraised value of the home was {$100000.00} ; the negotiated purchase price was {$90000.00}, and the original loan amount was {$85000.00}. Based on this information, my loan-to-value ratio was less than 80 %, thus I am eligible for release of PMI per Federal law and the Homeowner 's Protection Act of 1988. RLMS responded on XX/XX/XXXX saying that my current loan to original value is 78.2 %, but that they were still not releasing my PMI, but they wanted me to pay $ XXXX {$1000.00} to have an appraisal first. The response is attached. I am asking the CFPB to review this case and request that RLMS release my PMI as required by Federal law and the Homeowner 's Protection Act of 1988.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3270624", "source": "cfpb", "group_id": "cfpb/1f2717a710d85b927769", "variant": "clean", "length_bucket": "medium", "chars": 1390, "company": "RUSHMORE LOAN MANAGEMENT SERVICES LLC", "date_received": "2019-06-11", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "1f2717a710d85b927769593807c8636cc58a97cb848663d553aefb264916eb70", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Subject : Complaint Against CHASE CARD SERVICES for Violations of XXXX XXXX, Public Law XXXX, UCC Provisions, Federal Regulations, U.S. Codes, and Unlawful Closure of Accounts Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against CHASE CARD SERVICES for numerous violations of my rights, including but not limited to : failure to honor lawful payment instruments, improper retention of securities, violation of XXXX and holder-in-due-course laws, breaches of federal regulations and U.S. Codes, unlawful closure of accounts, and potential theft, fraud, language fraud, and securities fraud. These violations contradict House Joint Resolution XXXX ( XXXX XXXX ), Public Law XXXX ( Emergency Banking Act ), the Uniform Commercial Code ( UCC ), the U.S. Constitution, and various federal laws and regulations.\nDetailed Summary of Violations : Failure to Honor Securities and Lawful Payment Instruments : I tendered lawful payments using securities and negotiable instruments provided by CHASE CARD SERVICES, such as bills, statements, equity checks, bearer bonds, and coupons attached to the statements. According to XXXX XXXX ( a ) and UCC XXXX XXXX a ) ( XXXX ), these instruments are valid as negotiable instruments, and I accepted these securities \" for value, '' issuing a restrictive endorsement as outlined in UCC XXXX. Additionally, I affixed postage stamps ( lawful money ) to these securities under XXXX XXXX and XXXX XXXX ( b ) ( XXXX ), reinforcing my payments.\nDespite receiving these securities through registered and certified mail, CHASE CARD SERVICES failed to discharge the debt, return the securities, or properly credit my account, in violation of XXXX XXXX ( b ). This provision mandates that any obligation is discharged to the extent of a payment made by a negotiable instrument unless that instrument is returned or dishonored. Their retention of the securities without action violates my rights as both a creditor and holder of the instruments.\nUnlawful Closure of Accounts and Definition of \" Accounts '' : It is important to clarify that the term account inherently means a place for deposits and withdrawals, not a static or limited financial agreement. As such, CHASE CARD SERVICES unlawfully closed my accounts even after I had discharged the related debts through the lawful tender of securities. These accounts, by their nature, should be considered open-ended credit plans, which should not have a predetermined limit. Under my unlimited right to contract, as protected by the U.S. Constitution, I am entitled to maintain these accounts without arbitrary closure, particularly after meeting my financial obligations through lawful payments.\nThe attempt to impose artificial credit limits or close my accounts after the debt was discharged is unlawful. Showing limits on an open-ended credit plan, as CHASE CARD SERVICES has done, is illegal and contrary to both the terms of open-ended credit and contract law principles. Their action constitutes a breach of XXXX XXXX concerning the resolution of debts through accord and satisfaction and violates my constitutional right to contract freely without interference.\nPotential Fraud, Theft, and Securities Fraud : In addition to their mishandling of the securities and failure to honor my lawful payments, I am concerned that CHASE CARD SERVICES may be engaging in fraudulent activities. By retaining the securities I sent, continuing to demand payment for already discharged debts, and unlawfully closing accounts, they may be guilty of theft, securities fraud, and other forms of financial fraud. Their refusal to properly process the negotiable instruments and their subsequent closure of the accounts indicate potential securities fraud under the Securities Exchange Act of 1934 and related provisions under federal securities laws.\nLanguage fraud may also be present in the manner in which the terms of my accounts, securities, and payments have been communicated. CHASE CARD SERVICES has used deceptive or unclear language that obscures the nature of my rights and obligations, particularly in regard to the use of lawful money and the nature of the securities provided. By misleading me about the status of the accounts and payments, they are potentially engaging in fraudulent misrepresentation under 18 U.S. Code 1341 ( Mail Fraud ) and 18 U.S. Code 1343 ( Wire Fraud ).\nViolation of Holder-in-Due-Course Laws : As the holder of the securities and negotiable instruments I tendered, I am entitled to the protections and rights outlined in UCC XXXX. A holder in due course has the right to enforce the payment of the instrument free from most claims and defenses. CHASE CARD SERVICES, by refusing to honor my position as the holder of these instruments, has violated my holder-in-due-course rights. They retained the securities without processing them, have continued to unlawfully demand further payments, and have denied my rightful claim to the value of these instruments, in violation of XXXX XXXX ( concerning defenses and claims to an instrument ).\nViolation of U.S. Codes and Federal Regulations : By refusing to process the private instruments I provided, unlawfully retaining my securities, and denying my right to claim them, CHASE CARD SERVICES has violated various U.S. codes, including 12 U.S. Code 411, which governs the issuance and use of lawful money. Additionally, they have breached multiple provisions of the Code of Federal Regulations ( CFR ), particularly those governing the handling of negotiable instruments and securities. The improper handling of these private instruments suggests potential violations of 15 U.S. Code Chapter 41- Consumer Credit Protection.\nFailure to Discharge Debt Under the Emergency Banking Act and Gold Clause : According to Public Law XXXX ( Emergency Banking Act ) and HJR XXXX, all debts must be discharged upon the tender of lawful money. My payment, which consisted of securities and lawful money ( postage stamps ), fully satisfied the obligation. [ Institution Name ] has unlawfully refused to recognize the discharge of my debt, in violation of the Gold Clause, which prohibits the refusal to accept lawful money for the satisfaction of debts. Their continued claims that I owe further payments after I have already tendered lawful payment indicate a violation of both public law and federal monetary statutes.\nApplicable UCC, Federal Regulations, U.S. Codes, and Constitutional Protections : XXXX XXXX ( a ) : Defines a negotiable instrument as an unconditional promise or order to pay a fixed amount of money.\nXXXX XXXX : Governs restrictive endorsements and their legal effect on the instrument.\nXXXX XXXX : Holder-in-due-course rights and their protection in the enforcement of negotiable instruments.\nXXXX XXXX : Outlines claims and defenses to negotiable instruments, including wrongful retention.\nXXXX XXXX : Covers accord and satisfaction, requiring that when a debt is discharged, no further payment can be demanded.\nXXXX XXXX ( b ) : States that an obligation is discharged to the extent of any payment made by a negotiable instrument unless it is returned or dishonored.\nXXXX XXXX ( b ) ( XXXX ) : Defines lawful money, including postage stamps affixed to negotiable instruments.\n12 U.S. Code 411 : Governs the issuance and receipt of lawful money and its proper application in discharging debts.\n18 U.S. Code 1341 ( Mail Fraud ) : Prohibits the use of mail to execute fraudulent schemes.\n\n18 U.S. Code 1343 ( Wire Fraud ) : Prohibits the use of electronic communication in executing fraud.\n\nSecurities Exchange Act of 1934 : Governs securities transactions, including securities fraud.\nXXXX XXXX XXXX ( XXXX Banking XXXX ) : Requires the discharge of debts upon the tender of lawful money.\nGold Clause : Prohibits the refusal to accept lawful money for the discharge of debts.\nU.S. Constitution : Guarantees the right to contract freely, without interference, including my right to maintain open-ended credit plans.\nPotential Crimes : Theft : CHASE CARD SERVICES has retained my private securities and negotiable instruments without applying them as payments, constituting theft.\nFraud : Their continued demands for payments after I have satisfied the debt through lawful means indicate fraudulent behavior, possibly in violation of federal fraud statutes.\nSecurities Fraud : The mishandling of the securities I tendered suggests that CHASE CARD SERVICES may be engaged in securities fraud under the Securities Exchange Act of 1934.\nLanguage Fraud : CHASE CARD SERVICES has used unclear and deceptive language to obscure my rights, misrepresenting the terms of my agreements, the status of my payments, and the nature of the accounts, which is also deceptive practices.\nDesired Resolution : I request that the CFPB investigate the following : Unlawful retention of securities : Investigate CHASE CARD SERVICES for refusing to process or return the private instruments I tendered as payment.\nUnlawful closure of accounts : Reopen my accounts, as they were unlawfully closed after the debts were discharged. As well as they should reflect an open-ended credit plan at all times.\nInvestigation of potential fraud and securities fraud : CHASE CARD SERVICES for potential theft, fraud, language fraud, securities fraud, theft of lawful money.\nRefund overpayments : [ Institution Name ] must refund or credit any overpayments I made when I affixed lawful money ( postage stamps ) to the securities.\nRecognition of my rights as a holder in due course : Ensure that CHASE CARD SERVICES respects my rights as the holder of these securities and negotiable instruments.\nMonetary relief for every violation per day, pursuant to the Federal Reserve Act, U.S.C., C.F.R., and XXXX, that they do not apply my security instruments.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10218454", "source": "cfpb", "group_id": "cfpb/a55d2f99db05776f78f5", "variant": "clean", "length_bucket": "long", "chars": 9841, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-09-23", "product_raw": "Credit card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "a55d2f99db05776f78f5309a80d2b56776c6f4e62ed26a7335e44fed45dbf2c7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I initially opened a savings account with Citibank because of their attractive savings rate. I opened the account online. I was only able to enter my first and last name on the Citibank application for a new Savings Account. On XX/XX/XXXX Citibank initiated a small/test amount of money to verify the account was set up. Then on XX/XX/XXXX, Citibank initiated {$10000.00} from my XXXX XXXX account and {$1000.00} from my XXXX account on XX/XX/XXXX. It took a few days, but that money was accepted. Then on XX/XX/XXXX, Citibank initiated another {$10000.00} transfer, and on XX/XX/XXXX another {$10000.00}, and XX/XX/XXXX another {$10000.00} transfer. These XXXX transfers were first labeled as pending, then rejected. I called Citibank on XX/XX/XXXX to ask why they had not deposited my money yet. They took my first two deposits of {$10000.00} and {$1000.00}, but then stopped accepting my deposits.\n\nOn approximately XX/XX/XXXX or XX/XX/XXXX I was locked out of my account on two separate occasions and had to call to have it unlocked to be able to see my account. This took over a week each time I had to contact them. They told me the names didn't match exactly, so the deposits were not accepted. I found it odd that the first {$10000.00} and {$1000.00} deposits were accepted. The name on the Citibank account was XXXX XXXX only because this is all I could enter on the online application, so I learned they were investigating this as possible fraud. My name was indicated as XXXX XXXX on the CitiBank account, but XXXX XXXX XXXX XXXX was on the XXXX 's account. My name is XXXX XXXX on my XXXX account. I go by XXXX XXXX, but my legal name is XXXX XXXX XXXX XXXX.\n\nI was transferred to the security fraud department. I participated in a 3-way call with Citibank and XXXX and we discussed that my name, my address, my birthdate, phone number and social security numbers matched, everything about me was verified. My name did not match exactly and this is why my account was locked! I was calling Citibank regularly, multiple times a day, to inquire about when my account was going to be unlocked and my {$30000.00} deposited into my Citibank account. As suggested, I drove to XXXX, VA the closest branch to where I live, which was over 250 miles each way, to meet with XXXX XXXX XXXX ID XXXX, a personal banker at Citibank. She changed my name to match exactly what was on the XXXX account - XXXX XXXX XXXX XXXX, which is my legal name. This was supposed to unlock my account. It got my account unlocked, HOWEVER, my {$30000.00} has still not been deposited back into either of my accounts and Citibank tells me that it has been rejected and XXXX has not received it back.\n\nI have tracing numbers from XXXX that shows the 3 transactions were completed on XX/XX/XXXX. My money was taken from the XXXX account and sent to Citibank.\n\nI obtained the Tracing Numbers by XXXX that the money was sent to CitiBank. They are as follows : XXXX XXXX XXXX XXXX One of these {$10000.00} transactions was accepted, but I do not know which one it is.\n\nThese are Reference Numbers ( Not tracing numbers ) from CitiBank, showing the money was rejected.\nXXXX XXXX XXXX This is the Reference Number for the {$10000.00} they did accept, XXXX.\n\nCitiBank did accept one of these transactions for {$10000.00}, but rejected the other three {$10000.00} deposits. Now, they tell me they do not have my additional {$30000.00}, nor do they know where the money is.\n\nI perceive that the ACH back bank people are either hiding something or have deposited my money into someone else 's account. They are not admitting they know where my money went or where it is now. All of this has resulted from CitiBank investigating my account for fraud that was never the case to start with. It was a simple difference in my name which the CitiBank application caused by limiting how my name could be entered. It should have been something as simple as verifying me by my social security number to clear up any doubt about my identity.\n\nI have been contacting CitiBank time after time and they still keep giving me the run around about where my money is. They blame each other for the issue. This has been going on for months now. This is {$30000.00} of my money that has disappeared! It is not at my origination bank - XXXX, nor is it at the destination bank - CitiBank. Citibank did recently reference their ACH. I was told that XXXX was the company responsible as a third party for them who supposedly handled the transfer back to my XXXX account. Citibank says they never took possession of the money and it was sent back, so they have no way of tracing it. They told me that XXXX is responsible for recalling the money/transaction from XXXX. XXXX says since they do not use a third party vendor to perform their transfer, because they do all of these types of transfers in house, they don't know anything about XXXX or how to contact them. Citibank will not provide me with a phone number or any way to contact XXXX. What am I to do?\n\nXXXX, with the assistance of XXXX, tried to contact XXXX and they told us they don't even have a contract with Citibank to do anything, so we were told. However, Citibank says they do. Citibank is now attempting to contact XXXX by using a form that is supposed to have them find out where the money is. This form is used only after money is missing for over two months, I was told by Citibank today, XX/XX/XXXX. I'm sure you can understand why I don't feel very confident in this attempt.\n\nNo other people are involved at this point other than myself. I did contact the FDIC and they referred me back to you. You XXXX have received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Division of Depositor and Consumer Protection Telephone : ( XXXX ) ASK-FDIC Fax : ( XXXX ) XXXX At this point, I am at a loss about what my next step should be. I have been contacting Citibank almost daily. I am afraid that my concerns are being ignored by this international entity. Can you please help me resolve this issue and locate my {$30000.00}?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3992183", "source": "cfpb", "group_id": "cfpb/38c30e97c9b8a9f1efab", "variant": "clean", "length_bucket": "long", "chars": 6050, "company": "CITIBANK, N.A.", "date_received": "2020-12-04", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "38c30e97c9b8a9f1efab5e8d4d45d2f934f63ec6a0be29429f4f2a389e149832", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Received an email from XXXX representing Ace Cash on XX/XX/2017 formatted like a legal document. Titled Garnishment Notification and Arrest Notice. Also, has XXXX with a seal at the bottom of the email.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2400187", "source": "cfpb", "group_id": "cfpb/9a0914c5e7aaa09a4010", "variant": "clean", "length_bucket": "short", "chars": 202, "company": "Populus Financial Group, Inc. (F/K/A Ace Cash Express)", "date_received": "2017-03-23", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Impersonated an attorney or official", "text_sha256": "9a0914c5e7aaa09a401041a3261a7a7306ea5e1640bc27ab0fa87e1b595e1bab", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had an auto loan with Wells Fargo Dealer Services until 2014, when I paid off my loan early. I believe that my prepaid gap coverage that wasnt refunded when loans were paid off early and that the lender incorrectly applied payments. I would like my case reviewed to see if I was affected and if I am eligible for the lawsuit settlement.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6943089", "source": "cfpb", "group_id": "cfpb/60c6275fd06e26df4119", "variant": "clean", "length_bucket": "short", "chars": 338, "company": "WELLS FARGO & COMPANY", "date_received": "2023-05-07", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with additional products or services purchased with the loan", "text_sha256": "60c6275fd06e26df4119a430b968c0185d0421e62e0103c75a58d22ca2cb3d50", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Select portfolio servicing bought our mortgage about 7 years ago and I recently started noticing that there were extra charges on there besides late charges. They keep telling me that they are charges they do n't have to explain to me so I requested my loan information from the time we bought the house. I have asked twice now and they will only send me the last 7 years stating they do n't have to show me any paperwork from when they bought the loan or copies of any charges that have accrued ... .In XXXX I paid them XXXX house payments at which time they said I was still XXXX behind so in XXXX sent another XXXX plus extra for late charges. What I do n't get is in 15 years of having this mortgage they claim my payoff is still the original amount of the loan I just do n't think that could be right. Please help as we are still at almost an 11 % interest rate too!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1336918", "source": "cfpb", "group_id": "cfpb/335b76d45879d36f08ac", "variant": "clean", "length_bucket": "short", "chars": 871, "company": "SELECT PORTFOLIO SERVICING, INC.", "date_received": "2015-04-20", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "335b76d45879d36f08acb6ed8c7d1b3cfc164bbc72a574dac30d983a234e8c24", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would \" make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the \" investor '' refuses to give another modification.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1518849", "source": "cfpb", "group_id": "cfpb/ccb5cb7d1cbc867c78cb", "variant": "clean", "length_bucket": "short", "chars": 954, "company": "NATIONSTAR MORTGAGE LLC", "date_received": "2015-08-14", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "ccb5cb7d1cbc867c78cb1046602e22207965e2f8c679debfacfdb2a5e5b2877d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have 2 inquiries on credit report made by capital one on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/3947012", "source": "cfpb", "group_id": "cfpb/641ffd540c9ce6b621d4", "variant": "clean", "length_bucket": "short", "chars": 274, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2020-11-10", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "641ffd540c9ce6b621d473d9663a4590e5f5a49025c15529fa69c3c8fb841e0d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am a second generation college graduate and Ive been struggling with NAVIENT for years. I was strongly suggested for years to request a forbearance when I was jobless and struggling to pay rent while working a full time job and to try different plans, which in my ignorance raised my interest and kept resetting my PSLF plan and recalculating my IBR. In XXXX I hit the tipping point and cried and sought legal counsel after I had saved up enough money to make an offer to payoff my loans. I was told that XXXX XXXX VP Navient would review my request. I called back at the end of XXXX to learn that he denied my request because I hadnt defaulted or been behind in years. I was told by the representative on XX/XX/2019 that if my account had been delinquent and I wasnt able to pay then he would have accepted my offer. To make sure I was getting the same story ... two other representatives said that it is typically NAVIENTs practice. As a XXXX XXXX American woman, it breaks my heart and makes me want to speak up for others who may not have the education nor desire to ask for justice and help. My scenario was I can only go to college with a loan at XXXX so Ill start applying, I cant pay back the loan right away so I have to take a forbearance, I can start paying the loan but i wont be debt free until 20 years so Ill work for a non profit and do good in the world while hopefully getting my federal and maybe private loans forgiven, I save up money to be debt free so I am not a burden on my husband and our two girls .... and then NAVIENT gives me hopeless options continue to pay on the loan for 10+ more years, pay off the entire loan or become delinquent-Ness up your credit score and then theyll accept my lower offer. It seems like an injustice and abuse of power. I continue to pay monthly, because its my duty.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3630253", "source": "cfpb", "group_id": "cfpb/f0e85ea82849fc318ef3", "variant": "clean", "length_bucket": "medium", "chars": 1828, "company": "Navient Solutions, LLC.", "date_received": "2020-04-30", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "f0e85ea82849fc318ef329710122af880a2e16cc6f77b357eb232f4c8b158f5a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.\nXXXX XXXX XXXX XXXX XXXX {$38000.00} INST {$14000.00} {$1300.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX EF Late Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX {$9000.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} INST {$2600.00} XXXX {$190.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX -- / -- {$2100.00} COLL {$2100.00} XXXX - {$2100.00} - - - COLLECTION XXXX XXXX XXXX XXXX XXXX -- / -- {$1900.00} XXXX {$1900.00} - {$1900.00} - - - COLLECTION XXXX XXXX XXXX XXXX -- / -- {$980.00} COLL {$980.00} XXXX - {$980.00} - - - COLLECTION XXXX XXXX XXXX XXXX -- / -- {$730.00} COLL {$730.00} XXXX - {$730.00} - - - COLLECTION XXXX XXXX CO XXXX XXXX XXXX XXXX {$710.00} COLL {$710.00} XXXX - {$710.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX {$540.00} INST {$540.00} - {$540.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX -- / -- {$350.00} COLL {$350.00} XXXX - {$350.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} COLL {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$150.00} - {$150.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$140.00} - {$140.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX/TU Late Dates : 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report.\nSincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX XXXX, FL XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/2050401", "source": "cfpb", "group_id": "cfpb/0b2687fa44b99d8598e3", "variant": "clean", "length_bucket": "medium", "chars": 3463, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2016-08-08", "product_raw": "Credit reporting", "issue_raw": "Incorrect information on credit report", "sub_issue_raw": "Information is not mine", "text_sha256": "0b2687fa44b99d8598e3ff3ef15fa73f1596ae97005ec4b157b6ad8a445aa274", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking \" knows or consciously avoids knowing the information is inaccurate '' and inserting \" knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n\n1. JPMCB HOME bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/4772692", "source": "cfpb", "group_id": "cfpb/f6b65945adc5135642f1", "variant": "clean", "length_bucket": "long", "chars": 5767, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-10-01", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "f6b65945adc5135642f1db421dcc329ac6b6e31f56e47a1ec25b553112fa9639", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My name is XXXX : XXXX XXXX an agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against Zwicker & Associates, P.C. for engaging in abusive deceptive and unfair debt collection practices. Zwicker & Associates, P.C. was sent to engage in these unlawful extortionate means to collect on an extension of credit by XXXXXXXX XXXX XXXX XXXX has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. XXXXXXXX XXXX infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.\n\nI would also like to know if either Chief Executive Officer XXXX XXXX XXXX or Chief Financial Officer XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by XXXXXXXX XXXX. I am aware that Zwicker & Associates, P.C. is an unauthorized third party in this matter. I never contracted with Zwicker & Associates, P.C. and they have no lawful authority to be in possession of my identifying information. I also want to make clear that Zwicker & Associates, P.C. has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay.\n\nI have reason to believe that Zwicker & Associates, P.C. is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If XXXXXXXX XXXX can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim.\n\nIf XXXXXXXX XXXX refuses to produce any documentary evidence as defined under 15 U.S. Code 44, I will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and Zwicker & Associates, P.C. continues their unlawful collection efforts, Zwicker & Associates, P.C. shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of Zwicker & Associates, P.C. binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5819648", "source": "cfpb", "group_id": "cfpb/bd0c6839aa9c1064c293", "variant": "clean", "length_bucket": "medium", "chars": 3511, "company": "ZWICKER & ASSOCIATES", "date_received": "2022-07-28", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened or suggested your credit would be damaged", "text_sha256": "bd0c6839aa9c1064c293928c23a511da134ce384b1e2c912e81a27f2bc32f582", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Re- Wells Fargo Closed file. I ask them to recoup monies XXXX XXXX who weren't the lender stolen using XXXX XXXX XXXX to help grant my home to then as the lender.\n\nA. Original lender bankrupt XXXX, in XX/XX/XXXX.\nB. ASC/Wells Fargo bought out XXXX who merged with them, in XX/XX/XXXX.\nC. XX/XX/XXXX Wells Fargo change loan number which are someone else 's loan in foreclosure and disregard payout. Sent me a XXXX.\n\nSee attachments for loan number.\nFacts XXXX XXXX case dismissed and we're denied. They can not sell my home when owed me thousands in robbery chains had with the board and neighbors ( unit XXXX ) who stole mail to prevent me keeping up with their plannings.\n\nPlease be informed that XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX of XXXX, did not finance my home mortgage, on XX/XX/XXXX -XX/XX/XXXX closing, conventional, and lied to XXXX XXXX XXXX , producer of Attorney Title Fund that I were a tenant unauthorized to live there, unknown tenant and ordered XXXX XXXX XXXX XXXX , President, to file a writ of possession on XX/XX/XXXX, and 15 BSO officers ( out of jurisdiction ) removed me on XX/XX/XXXX, seized {$25000.00} personal valuables from a XXXX 's home, she paid in full, since XX/XX/XXXX, according to Judge XXXX XXXX XXXX , XXXX , Ohio .\n\nIt was a payoff and settlement had with Wells Fargo for appraisal fees violations. They announced on the need they made errors and hasn't contact me about my claim, just keep saying they are review and laughing out loud in airplanes everywhere I go. I see nothing funny. I sent everything to US Consulates about this fraud on behalf of my deceased husband 50 % stolen and reported the banks ( XXXX XXXX & Wells Fargo ) for fraud.\n\nWells Fargo on XX/XX/XXXX bought out XXXX the original lender, that filed bankruptcy on XX/XX/XXXX. I'm suing XXXX XXXX and XXXX XXXX XXXX XXXX, for {>= $1,000,000} after my being malicious vindicated over 10 years with usage of criminals living in Unit XXXX, Unit XXXX, Unit XXXX. And all of the board members hired by XXXX XXXX XXXX XXXX XXXX XXXX. Aka XXXX XXXX, continuous flurry of breaches, robberies, perfect in court ( see docs ) attempts on my life, XX/XX/XXXX and XX/XX/XXXX, illegal baker acts of a doctor ( XXXX .\nXXXX XXXX XXXX ) with attempts to switch her identity with Unit XXXX and other units who tried steal graduate loans from the mail, XXXX & XXXX refund check approved XX/XX/XXXX for {$53000.00}. Lots of mail are missing, when XXXX XXXX put locks ony mail. Their were not the lender. Wells Fargo let them get away with selling unit? How dare Wells Fargo act as if their innocent.\n\nMost especially by locking down my mailbox XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX and violating US Postal Service laws. XXXX XXXX hired XXXX XXXX XXXX XXXX board and hit men unit XXXX to commit crimes such as vandalism of patio porch, XXXX, surveillance my Home with cameras, change locks and there were shootings out masterbedroom window and labeling me a XXXX XXXX, XXXX, XXXX unknown tenant, unknown XXXX XXXX for they harassed my husband dead already, and claim didn't know him insulted mailed {$1.00}.\n\nThere were 4 violations ( {$250000.00} each ) filed against the board. XXXX XXXX lost in court of Appeals. They need to turn off that Wire on my voice, remove RadaR from my brains, and joke and laugh worldwide inside own houses.\n\nIt's hate crime and loan scam. I have filed to Florida Attorney General, XXXX XXXX, loan scam. XXXX XXXX has to wait until I get done empty his bank account. We have already $ XXXX in fines for violation with both XXXX XXXX AND Wells Fargo for switching mortgage loanaccounts with foreclosures and using local police to harass and nearly give order to the board to kill me on XX/XX/XXXX. The local police XXXX did nothing about robbery day closed of furnishings on XX/XX/XXXX, not cared about anything appending to XXXX XXXX XXXX XXXX because everybody wants her XXXX and out, quotes from the board of XXXX XXXX XXXX XXXX.\n\nXXXX XXXX is a XXXX, XXXX and XXXX. She has statues limitations policies real property must waive fees on bankruptcy of XXXX XXXX and Wells Fargo XXXX negligence an error to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Florida, XXXX, in giving away free my home on XX/XX/XXXX to XXXX XXXX. I presume He didn't pay for the unit. XXXX are going away free apartments and I'm not to be homeless for them 2 years. It's grand larceny of my home and XXXX desstruction of my life with them laughing.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2995013", "source": "cfpb", "group_id": "cfpb/0d1581e3ee6b945eca01", "variant": "clean", "length_bucket": "long", "chars": 4472, "company": "WELLS FARGO & COMPANY", "date_received": "2018-08-18", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "0d1581e3ee6b945eca01f4b1c84a6f1b67433f65788a70515b4f2ba50465d555", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "1. PRESTIGE FINANCIAL SVC Account XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.\n\nI immediately disputed this information with PRESTIGE FINANCIAL SVC and the results of the investigation came back \" verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously \" verified '' them, I am very curious as to what kinds of \" records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4872313", "source": "cfpb", "group_id": "cfpb/2cbd4bfcc0b8b943cb48", "variant": "clean", "length_bucket": "long", "chars": 5931, "company": "PRESTIGE FINANCIAL SERVICES INC", "date_received": "2021-11-03", "product_raw": "Vehicle loan or lease", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "2cbd4bfcc0b8b943cb48f6c482fa0e6d1f4a9dca763c527d838127a0ceca7cdc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Over the last 6 weeks I have contacted my loan provider on 5-6 separate occasions to inquire about student loan deferment for graduate school enrollment. For background I am a 5th year Biology Ph.D. candidate with the timeline to graduate in XX/XX/XXXX. I came from an extremely low-income background and therefore my parents did not have the credit to co-sign federal student loans. For that reason I had to get private student loans with variable interest rates co-signed with my grandmother to attend XXXX.\n\nI therefore unfortunately have student loans with Sallie Mae. For the student loans they only allow 48 months of graduate in-school deferment. Therefore this summer I worked throughout the months on XXXX and XXXX to get them to approve a temporary extension of the deferment through XXXX such that I could finish my Ph.D. and not drop out. With the caveat that if I can not get the deferment I would not be able to afford to finish my degree and would have to drop out 8 months before finishing. During this time 3 separate agents told me the deferment would be approved as long as my institution provided the documentation that I was fully enrolled ( they did ). The final agent told me they could see the deferment in my account and to not worry because it had already been applied. From talking the customer advocates today they reiterated that that was in my account for XXXX and XXXX, but was removed in XXXX once the 48 months lapsed.\n\nI tried to work with them on two more occasions once with a customer service rep and once with a customer advocate to determine any other options to help lower my payments to pay just interest or to get that 8 month extension on my deferment. I was told by both customer service and customer advocates that my only option would be forbearance and I could only use that for 4 of the 8 months I had left in my graduate program. This is because after XXXX I used 8 months of forbearance to do a year of service helping children living in extreme poverty in the XXXX XXXX.\n\nI also asked if we could refinance them to get a lower or fixed interest rate and they said they do not provide that service, but I could go elsewhere. I am looking into that but that has been difficult because I am still enrolled in school even though the loans I have are from XXXX ( XXXX ). I also disclosed to Sallie Mae that I am also publicly crowd source funding my last year of my Ph.D. due to this circumstance, which is true and has been successful so far. Though unfortunately only successful enough to get me through XXXX not through the rest of the year, so unfortunately I will probably still have to dropout. As a XXXX XXXX XXXX student from a family still living in poverty this is heartbreaking and disgusting.\n\nMy principal on the loan was only ~ {$67000.00} but now I owe more than {$120000.00} due to interest alone and it is disgusting. I am working on my Ph.D. such that I can get the best paying job possible to not only pay off my student loans, but also help my family get out of poverty and have a house of their own one day. I can't pay {$1500.00} a month in student loans as a grad student only makes {$1900.00} a month, but I offered to pay any lesser amount, but they were not willing to work with me it was everything or forbearance or delinquency.\n\nI also brought up the fact that 3 customer service reps told me on the phone in front of witnesses that my loans would be deferred and not to worry as long as I stayed enrolled in school full-time to then go back on that once XXXX hit.\n\nI have also been reading a lot about the law suit against XXXXSallie Mae due to forbearance steering of low-income students, and I am heartbroken that my loans were current and not delinquent at the time. Though I wanted to submit this complaint because I would say after speaking to at least 5 agents in XXXX and XXXX of XXXX they have changed none of their practices when it comes to forbearance steering of low-income students and should 100 % be fined or sued again. I am not saying that such that my loan could be forgiven or removed from them, but such that they could not do this ever again. They also gave me an extremely predatory loan and as a low-income student with 0 other options for a student loan for XXXX I had no other option that was it, but that doesn't make it okay.\n\nAlso, they do not offer the interest only graduated repayment option to graduate students because you have to apply for that during the first 18 months after you graduate from XXXX and as graduate students the issue isn't until 48 months after you graduate from XXXX.\n\nAll in all I hope that Sallie Mae gets re-sanctioned because their treatment of me and my student loan in this circumstance has been both inhumane and disgusting. I had said a million times that me finishing my Ph.D. would put me in the best place to pay back the loan without undue financial difficulty, but they just didn't care. To them I am no more than a poor person who was XXXX enough to get a loan with them when I was XXXX to try and better the life of myself and my family.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/5965322", "source": "cfpb", "group_id": "cfpb/01e4fa649c126f146f13", "variant": "clean", "length_bucket": "long", "chars": 5090, "company": "SLM CORPORATION", "date_received": "2022-09-09", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Can't get other flexible options for repaying your loan", "text_sha256": "01e4fa649c126f146f133f50ce7421d15283bee43347109fd1d15179358108b0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, I was approved for {$3500.00} credit with Conn 's. On XX/XX/XXXX, I visited the Conn 's located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX to select a bedroom set and grill. During the finalization of the transaction, I was asked to sign the agreement on what appeared to be an XXXX housed in a protective cover. The screen made reading the information obscure, so asked if a copy could be sent to my email. A copy was never sent. I was then told how much I would pay, and I left. The next day, XX/XX/XXXX, I called that Conn 's to cancel the bedroom furniture, but keep the grill. I was told someone would return my call, but after not hearing back from anyone there, I visited the store in person to cancel the bedroom furniture. I asked if I needed to sign anything because of the change and was told no. I was also told that it was not a problem and the grill would be delivered as scheduled. At the time of agreement, I requested that the grill be assembled, which was a {$30.00} fee. The entire purchase was predicated on a 12 month interest free with free delivery agreement, which was advertised throughout the Conn 's showroom. The grill was delivered assembled as scheduled. A month later when I attempted to make my first payment online, I encountered a problem setting up the online account. I contacted the store where I purchased the grill and was told that I had to make the payments at that store 's location. This was difficult because of my work schedule at the time. No one was able to assist me with accessing the account online. When I finally gained access, the website showed that I owed more than XXXX XXXX dollars for the grill. I was finally able to go into the store in XXXX and make the very first payment. When I questioned them about the amount that was displayed on that login, they could not explain. I then asked for a copy of the agreement again, but never received it. I returned to the store in XXXX to make another payment. This is when I learned that the balance for a {$430.00} grill was now almost {$1000.00}. I was also told that it was a loan and not Conn 's credit as I originally thought. I was also told that there was interest and insurance involved that total. I requested to speak with manager after manager, and was told that everything was being done to resolve this issue. Nothing was ever done to help resolve this issue, so in XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX siting the same issues I'm siting here. A representative responded that they would change the contract to fix the issue. The contract that was sent showed the same over priced balance. When I pointed this out in a response on the XXXX claim, I was then told that a new contract would be created to resolve the issue. This time, Conn 's waited until after the deadline for my response to move forward or close the matter with them before sending a second contract which didn't change the terms. After that, I received multiple contracts that were back dated and included the same high balance as before. I attempted to XXXX arrangements to settle this account, but they continued to demand that I pay over {$900.00}, even after already paying {$230.00}, which is half of what I actually owed. I never made another payment, and they never attempted to resolve this issue until recently I received mail stating that the balance would be charged off on XX/XX/XXXX if the balance wasn't paid. I called again in hopes of settling the account, but was still being quoted a high amount. On XX/XX/XXXX, I filed a complaint the FTC and I informed the rep with whom I had been communicating that I had file this complaint. A XXXX XXXX responded that day. I requested from him to provide me with a copy of charges and fees and the final payoff amount so that I could put this behind me. He responds two days after they charged it off to inform me that it was charged off for less than any of the agreements ever stated. Now I'm receiving several emails a day asking if I wish to settle the account. I believe that Conn 's is purposefully practicing deceptive trade practices, and decided to ignore my attempt to pay the balance in an attempt to further damage my credit with a charge off.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "unexpected_fees", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/4008027", "source": "cfpb", "group_id": "cfpb/7ce498adc2c1eac8e564", "variant": "clean", "length_bucket": "long", "chars": 4237, "company": "Conn's, Inc.", "date_received": "2020-12-12", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "7ce498adc2c1eac8e56404e53d075f281fc89a88cfe9ee32f8900d85e93da2d1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Loan Care Servicing Center has reported to XXXX that the mortgage they serviced for me was discharged in Chapter XXXX bankruptcy. They also show show that no payments were made in XX/XX/2017. That is a false statement. Yes, I filed a bankruptcy, but this mortgage was not part of it. I signed a Reaffirmation Agreement and retained the property and paid the monthly mortgage on time, in full every month. In XX/XX/2017, Loan Care Servicing transferred this mortgage to XXXX XXXX and the house was sold in XX/XX/2017. I am attaching all documentation showing the transfer, sale and payment logs that I retrieved from Loan Care and XXXX XXXX websites. I am also attaching a copy of the court filing showing the Reaffirmation Agreement was signed and XXXX 's result of the Dispute. I filed a dispute 5 times. XXXX said as long as Loan Care keeps stating their statement is true, there is nothing they can do. I also contacted Loan Care three times. The first time by phone, they found my account. The second time I called, they said they have no record of my account. I emailed with twice and no response from them. I filed a bankruptcy and took the hit, but Loan Care filed this after the fact and I have been damaged severely. My credit dropped 60 points due to this.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3355503", "source": "cfpb", "group_id": "cfpb/f8029d956ec4994159aa", "variant": "clean", "length_bucket": "medium", "chars": 1269, "company": "LoanCare, LLC", "date_received": "2019-08-27", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "f8029d956ec4994159aaa0695f17518067143f6229ba21e20ab6cf080913ae8c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "FRAUD WAS COMMITTED ON 4 MAJOR CREDIT CARDS AT VARIOUS STAGES. XXXX XXXX AND CAPITAL ONE WERE ALERTED AS SOON AS THE FRAUD WAS PERFORMED, THEY WERE GIVEN COPIES OF THE XXXX COUNTY SHERIFF 'S OFFICE [ XXXX ] REPORT AND THE XXXX ECONOMIC CRIME 'S DIVISION DETECTIVES REPORT.\n\nTHE DEPUTIES AND DETECTIVES TRIED COMMUNICATING WITH XXXX AND CAPITAL ONE, WE DO NOT UNDERSTAND WHAT THEY ARE SAYING. FRAUD DIVISION KEPT TELLING THE SERGEANT \" ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' ( XXXX ) AND WITH CAPITAL ONE THEY JUST STATED \" XXXX XXXX XXXX ALERTED US OF FRAUDULENT TRANSACTION PERFORMED ON CREDIT CARD '' THE DETECTIVE DID ASK WHERE AND WHEN. HE DID FIND IT VERY STRANGE THEY WERE ALL ( ALL 4 OF THEM ) WERE DONE AT THE SAME TIME AND SPENT ALMOST IMMEDIATELY?\n\nBUT BOTH XXXX FRAUD AND CAPITAL ONE FRAUD DIVISION WOULD NOT STATE WHAT THOSE ITEMS WERE. EVEN WHEN THE SERGENT BARKED AT THEM AND SAID \" SHE'S STANDING HERE IN FRONT OF ME, I WILL PLACE AN ARREST ON HER SINCE YOU'RE ACCUSING HER. NAME ME THE ITEMS THAT WAS SUPPOSEDLY STOLEN WITH 'HOT MONEY '. '' MY ELDERLY MOTHER OVERHEARD THIS XXXX FRAUD GUY, SOUNDING YOUNG JUST TOLD THE SHERIFF 'S THAT \" PURCHASED A 60 '' WALL MOUNT SMART TV, XXXX, XXXX XXXX '' BEFORE SOMEONE IN BACKGROUND TOLD HIM TO SHUT UP.\n\n[ YES, THERE'S A PROBLEM WITH THAT. XXXX/XXXX AND I DO NOT GET ALONG, WE DO NOT SEE EYE-TO-EYE, I AM A CERTIFIED ( RETIRED ) PLATINUM XXXX. AND THEY KNOW EXACTLY WHAT I HAD ON ME AND IN MY PROPERTY. ] SERGENT ( INTERRUPTED ) WHERE WERE THEY PURCHASED? WHAT STORE? I WANT TO SEE THE VIDEO. '' XXXX FRAUD DIVISION : \" ONLINE. '' THE DETECTIVE CHEWED HIM OUT, TOLD HIM TO FAX THE LIST OVER TO HIM AND ALSO SPECIFY WHERE ITEMS WERE SHIPPED TO.\n\nXXXX FRAUD TEAM SAID \" ITEMS WERE SHIPPED AND DELIVERED TO XXXX, TEXAS, WHERE \" HER SECOND RESIDENCY '' WAS LOCATED. '' FROM THERE, BOTH SERGENT AND DETECTIVE WERE YELLING AT THEM. REMINDED THEM THAT THE FRAUD WAS ALREADY REPORTED. SO WHY DIDN'T YOU WORK WITH THE CUSTOMER TO FIX THE PROBLEM? INSTEAD, YOU THREW HER OFF WITH NO KNOWN HISTORY SINCE XXXX OR SOMETHING LIKE THAT? THEN HARASS HER FOR PAYMENTS FOR ITEMS SHE DIDN'T BUY OR EVEN HAVE IN HER POSSESSION? PLEASE ADVISE ONE MORE TIME THE SPECIFIC REASON WHY YOU SHUT HER DOWN COMPLETELY?\n\n( CAPITAL ONE HAD DISCONNECTED THE CALL, HOWEVER, XXXX XXXX REMAINED ON THE LINE ) HE WAS TOLD \" IF YOU WANT FURTHER INFORMATION, PLEASE PROVIDE US A WARRANT. '' THEN THE DETECTIVE CAME UP AND SAID \" WHY DID YOU SHUT HER DOWN AT THE LOCAL BANK FOR? '' MY MOTHER HEARD IT, THREE DEPUTIES ( ONE BEING A SERGENT ) HEARD IT, THE DETECTIVE HEARD IT, MY 2 NEIGHBORS HEARD IT - I DIDN'T HEAR IT BECAUSE I AM PROFOUNDLY DEAF.\n\nXXXX FRAUD DIVISION ( WHICH HE GOT TERMINATED ) \" BECAUSE SHE'S A XXXX, A XXXX XXXX, LIVING OFF OF WELFARE AND USING AN ELDERLY WOMAN TO DEPOSIT LARGE SUMS OF MONEY INTO HER ACCOUNT. '' DETECTIVE DID ASK \" SHE'S A XXXX XXXX, SHE'S NOT XXXX, HER MOTHER IS AMERICAN AND IS XXXX. ARE YOU SURE YOU ARE TALKING ABOUT THE SAME PERSON? HAVE YOU EVER SPOKEN WITH HER? AND PLEASE ADVISE WHAT LARGE SUM OF MONIES CONCERN YOU? '' XXXX FRAUD DIVISION ( SAME FELLOW ) \" SHE HAS AN ELDERLY WOMAN PUTTING ONE THOUS IN HER ACCOUNT '' DETECTIVE \" SO? IS IT EVERY DAY? ONCE A WEEK? WHAT? '' XXXX FRAUD DIVISION : \" ONE THOUS EVERY MONTH. SHE'S SCAMMING OLD PEOPLE. '' DETECTIVE : \" NO SHE IS NOT. '' XXXX FRAUD DIVISION : \" YES SHE IS, AND I CAN PROVE IT. I WILL PROVIDE ONCE YOU REQUEST IT, WHO THAT OLD GOAT IS! '' DETECTIVE : \" HER MOTHER, SHE IS STANDING RIGHT IN FRONT OF ME. SHE ALREADY TOLD ME SEVERAL TIMES IN THE PAST, THE ESTATE OF HER DECEASED FATHER, BOTH DAUGHTERS GET XXXX XXXX A MONTH. IT IS NONE OF YOUR BUSINESS ANYWAY. '' XXXX FRAUD DIVISION \" ( PROFANITIES ) '' AND DISCONNECTED THE LINE.\n\nIT WAS ALREADY REPORTED AND DOCUMENTED, I HAD ALREADY PROVIDED THEM THE POLICE REPORT FOR EACH 3 XXXX CREDIT CARD AND 1 CAPITAL ONE CREDIT CARD.\n\nXXXX XXXX AND CAPITAL ONE WILL NOT SPEAK WITH ME. THE INCIDENT HAPPENED IN XXXX. I WAS PAYING THE BALANCE I ACTUALLY OWED BASED ON THE LAST STATEMENT I HAD ; THEY WOULD NOT REMOVE THE FRAUDULENT CHARGES.\n\nTHE DETECTIVE FOLLOWED UP WITH XXXX IN XXXX, AND HE TOLD ME TO STOP PAYING THEM.\n\nWITH CAPITAL ONE, THEY KEPT PROMISING TO RESTORE MY ACCOUNT, PUT MY STATEMENT AS IT WERE PRIOR TO THE FRAUD EVENT. I AM CURRENTLY STILL PAYING CAPITAL ONE BUT THEY HAVE NOT REMOVED THE FRAUDULENT TRANSACTION NOR HAD THEY EVEN BOTHERED WITH RESTORATION OF THE ACCOUNT.\n\nBY RESTORATION : MOVE THE ORIGINAL BALANCE PRIOR TO THE EVENT TO ANOTHER NEW MASTERCARD.\n\nBOTH XXXX AND CAPITAL ONE REPETITIOUSLY ON A KNOWN FRAUDULENT CASE, DID INCREASE MONIES, DID INCREASE FEES, DID INCREASE INTEREST, AND WITH THREATS OF \" CONTINUE TO DO SO TO HARM A VICTIM 'S CREDIT '' WITH A KNOWN REPORTED AND DOCUMENTED FRAUD EVENT.\n\nWHILE I HAVE RELATIVES AND FAMILY MEMBERS IN XXXX XXXX ( RETIRED ). THEY ARE UNABLE TO DECIPHER WHAT \" '' '' ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' '' '' WAS SUPPOSED TO MEAN. THE DETECTIVES ARE CLUELESS, I'VE PERSONALLY SPOKEN TO BRANCH AND BANK CEOS FROM VARIOUS FINANCIAL INDUSTRIES, AND NOT ONE SINGLE PERSON COULD EVEN UNDERSTAND WHAT THAT IS SUPPOSED TO MEAN.\n\nTHE FACT XXXX THEMSELVES SHUT MY PERSONAL BANKING ACCOUNT DOWN IMMEDIATELY, DID CAUSE ME HARM AS MY SOCIAL SECURITY WAS DIRECT DEPOSIT. AND THEY DID REFUSE TO PAY BILLS THAT WERE PAID ELECTRONICALLY. INSTEAD, GAVE ME MONEY ( CASH ) FROM THE TIME THEY DID SHUT DOWN. I JUST WENT TO XXXX XXXX SINCE I'VE HAD THEM FOR YEARS - THEY KNEW WHAT WAS GOING ON BETWEEN XXXX AND CAPITAL ONE. QUITE FRANKLY, WAS EXTREMELY EMBARRASSED BY THEIR COMPETITOR 'S BEHAVIOR. THERE WERE NO EXCUSE FOR THIS.\n\nAFFIRMATIVE, XXXX XXXX KNOWS ALL ABOUT THIS ABOVE AND THEY, THEMSELVES HAVE NO IDEA WHAT : \" ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' WAS SUPPOSED TO MEAN EITHER. IN FACT, HE HAD SUMMONED THE CORPORATE OFFICE TO GET THEIR LEGAL TEAM TO ADVISE, AND AA FEW DAYS LATER, THEY RESPONDED WITH \" TECHNICAL GIBBERISH, TRYING TO BE A HOT SHOT WITH FANCIFUL WORDS. '' BASICALLY, XXXX FRAUD TEAM WAS RUNNING OFF THEIR MOUTHS WITH NONSENSE.\n\nONCE AGAIN : XXXX WILL NOT SPEAK WITH ME.\nCAPITAL ONE AS OF XXXX, WILL NO LONGER SPEAK WITH ME I AM NOT ALLOWED TO BE ON ANY XXXX OWNED PROPERTY THAT CONTAINS XXXX XXXX - THEIR FRAUD TEAM ISSUED THE WARNING AND WOULD PROVIDE ALL XXXX XXXX MY FACIAL TRACING THAT I WOULD BE XXXX IMMEDIATELY IF FOUND AT ANY OF THEIR BRANCHES.\n\nIN FACT, THE SHERIFF 'S OFFICE WERE IN A DISTANCE JUST TO SEE IF XXXX WOULD HOLD THEIR WORD BECAUSE THEY SHUT MY CHECKING ACCOUNT DOWN INSTANTLY AND THEY HAD TO PAY ME. THE LOCAL BRANCH MANAGER WAS SO ANGRY ( SHE ORIGINALLY CAME FROM ANOTHER BANK THAT WHERE I HANDLED THE LOCAL CHURCH 'S FINANCES AND WAS A DESIGNATED AUTHORIZED PERSONNEL ( NOT A GUARDIAN ) FOR SOME ELDERLY FOLKS TO HANDLE SOME OF THEIR AFFAIRS. ) THAT SHE REFUSED TO EVEN CALL THE LOCAL AUTHORITIES TO HAVE A \" TRESPASS '' WARNING ISSUED AGAINST ME, SHE ALSO LEFT THE BANK AS WELL IN PURE DISGUST. SHE WAS AT LOSS FOR WORDS THAT XXXX FRAUD TEAM WOULD GO THROUGH THAT EXTREME MEASURES AND FELT TERRIBLE THAT THEY CALLED MY MOM AND OLD GOAT.\n\nSHE WAS THAT ANGRY WHERE SHE CALLED HER SUPERIORS TO LET THEM HAVE IT ; ONLY TO FIND OUT THAT 4 OF THOSE BOYS IN THEIR FRAUD DIVISION WERE ALREADY TERMINATED ( THAT WAS ONE WEEK BEFORE SHE LEFT ).\n\nODDLY, I DO NOT HAVE A SECOND HOME AND NEVER BEEN TO TEXAS. I AM NOT XXXX, I AM XXXX XXXX, I AM XXXX XXXX / XXXX EMPLOYEE.\n\nLL 4 HAD MARKED ME OFF AS CHARGE OFF FRAUD WAS ALREADY DOCUMENTED, RECORDED, AND BOTH XXXX AND CAPITAL ONE HAS ALREADY RECEIVED 3 COPIES OF THE POLICE AND ECONOMIC CRIMES REPORTS MAILED OUT THREE DIFFERENT TIMES.\n\nBOTH XXXX AND CAPITAL ONE HAD DENIED AND MADE IT CLEAR ALL CHARGES REMAINS.\n\nTHE CSID - ID THEFT RESTORATION AND OPM HAD MADE MULTIPLE ATTEMPTS TO RESOLVE THIS ( XXXX, XXXX, XXXX ) WITHOUT ANY AVAIL. EVEN PROVISIONS OF THE DOCUMENTED POLICE & ECONOMIC CRIMES REPORTS.\n\nBOTH WERE UNWILLING TO WORK WITH THE VICTIM. BOTH REFUSES TO HONOR A FEDERAL RELAY ( TELEPHONE ) CALL. AS OF XXXX ( XXXX ), BOTH BANKS REFUSES TO ACCEPT ANY USPS MAIL COMMUNICATIONS.\n\nBOTH BANKS HAD ALREADY MADE IT CLEAR : THEY WILL NOT HELP A VICTIM OF FRAUD. WHILE CAPITAL ONE DID AT ONE POINT, WAS WILLING TO REOPEN AND TRANSFER BALANCE OVER TO A NEW MASTER CARD AND ALL THAT HAD OCCURRED DURING THE FRAUD WOULD BE ELIMINATED. AND IN XXXX, THEY REFUSED TO ASSIST CUSTOMER AT ALL WITH THE SAME IMPLICATIONS THAT OF XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3704502", "source": "cfpb", "group_id": "cfpb/0b814eb40f795f3314ec", "variant": "clean", "length_bucket": "long", "chars": 8732, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2020-06-18", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "0b814eb40f795f3314ecdfde6a6ea0d101b478d76d481fa6e086131bbda36b18", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Primary Owner XXXX XXXX XXXX Account # XXXX PenFed Routing # XXXX Personal Loan application # XXXX Auto Loan application # XXXX XXXX Card number application # XXXX To whom it may concern, XX/XX/2022 I have been locked out of my account ( can't login ) for since XXXX. For the first 6-8 weeks or so, I was told by various customer service representatives that my inability to login was a technical problem, that the problem had been referred to your technical department, and would be solved soon.\n\nIn the month of XXXX, I received an email from you that my personal loan application ( # XXXX ) was approved. I still could not login to my account to finish the acceptance of the personal loan, despite repeated calls to customer service. A few weeks later, I was notified by email that my personal loan application ( # XXXX that had been approved ), was now expired.\n\nI was notified by email ( also in XXXX while still locked out of my account -- that I could now transfer funds between my XXXX XXXX XXXX XXXX account and my PenFed account. Though I still login to my PenFed account, I transferred the necessary funds to pay my monthly bills from my PenFed account using ACH transfer from my XXXX account.\n\nSoon after, I was notified by XXXX that you reversed the transfers I made from my PenFed account to my XXXX account, without a word of explanation to me ( nor did you give a reason to XXXX for reversing the transfers ), after you giving me explicit permission by email to make transfers of fund -- if you would like, I can forward that email back to you. I am actually afraid to look at my XXXX account, knowing that I must have tremendous overdrawn fees.\n\nIn early XXXX ( still unable to login to my account ), you notified by email that my auto loan ( # XXXX ) was approved, and that I should login, and accept the terms of the loan. I called your customer service line for the XXXX or XXXX time. This time I was told to upload ID documents, which I did immediately, carefully preserving the ID document reference numbers.\n\nStill, though I tried daily, I could not login. Approximately a week later, you notified me that the auto loan, like the personal loan, had expired.\n\nI signed documents to buy the car from the seller at the time that you notified me by email that my auto loan was approved ). Consequently, I am now in breach of the contract I signed to purchase the vehicle, ( due to my inability to login, and complete the auto loan acceptance form ). In addition, some of my monthly bills are still outstanding because you reversed the transfers from my PenFed account ( that you notified me were permitted by email ).\n\nSo I called PenFed customer service again ( the 5th, 6th or 7th time, I lost count ). This time I was told to upload ID documents, which I did weeks ago ( carefully preserving the reference numbers given by your software for the upload of each ID ). Still I could not log in to my account.\n\nFinally, when the seller of the car ( the car for which I obtained the PenFed auto loan that expired because I could not login ) threatened to sue me ( again ) for breach of contract, I contacted you again.\n\nThis time I was told I had not submitted the ID documents, so I gave your customer representative the reference numbers I received from your software at the time I had uploaded the ID documents.\n\nAfter asking me to hold, your customer service representative returned to the call, and verified that I had indeed uploaded all the ID documents requested, and that all the ID had been verified, and accepted.\n\nThen your customer representative told me that the ( real ) problem was that I had conflicting email addresses on my account ( different spellings of what seemed to be the same email address ). After some minutes, he and I figured out that my email address was not transferred correctly by the PenFed software ( copied from one location in your records, to another location in your records ).\n\nThe correct spelling of my email address is : XXXX ( my last name has a space in it, so I use a period to represent the space in XXXX XXXX ). However, your software copied this email address to another location in your records as : XXXX ( ie, without the period following my title, and also without the period that represents the space in my last name ).\n\nI explained to the customer service representative that the presence of the periods in my email address should not matter, because all email software ignores punctuation marks in email addresses ( ie, XXXX is the same as XXXX ).\n\nThe representative agreed that my it is true that all email software protocols ignore punctuation marks in email addresses, but that the PenFed software does not ignore punctuation in email addresses ( ie, the PenFed software sees XXXX and XXXX as two different addresses ).\n\nHowever, ( illogically ), the PenFed software does not transfer any punctuation in email addresses when copying addresses from one location in your records to another location ( in your records ).\n\nThese conflicting software rules alerted your Fraud department that there was a problem with my account. The original customer representatives I spoke with ( in the first months of my account lockout ) were not skilled enough to determine the nature of the problem, so they forwarded the situation to your technical department to solve.\n\nEvidently, your technical department ( also ) could not figure why I was locked out of my PenFed account, since they never fixed the problem. Perhaps they tried to solve the problem however, they never communicated with me, or with your customer service department. Therefore, your customer service representatives continued to give me an inaccurate answer the many times I called XXXX to say I still could not login ( that the technical department must still be working on the problem ).\n\nThe inaction of the technical department left me hung in the same position for months ( ie, waiting for someone at PenFed to fix the problem, or at least give me an explanation as to why the problem could not be fixed ).\n\nInstead, my inability to login was always in the hands of your Fraud department. Months have gone by without an explanation ( or with an incorrect explanation ), causing all the damage to me that I described above.\n\nYour customer representative had the grace to agree with these conclusions, and promised earnestly that he would get the problem corrected by the Fraud department. He assured me that I would be able to login in two more days.\n\nWell, two days ( and more ) have passed.\n\nCan you guess what I am going to say next?\nI still can not login!\n\nTherefore, I am : 1 ) still being sued for breach of contract because I can not purchase the car for which I obtained the now expired auto loan from you, and 2 ) I still can not pay the last two + months bills ( nor pay all the bounced payment charges ) because you reversed the transfers you gave me permission to make ( from my PenFed account to my XXXX account ), and because I could not complete my PenFed personal loan documents ( due to the fact I could not login to my account to do so ).\n\nSo what would like me to do now?\n\nSincerely, XXXX XXXX XXXX, MPH, PhD P.S. I should also say that I am seriously ( perhaps terminally ) ill, XXXX for a decade, almost XXXX XXXX XXXX, and this whole debacle is killing me.\n\nI expect my login to be activated, and my personal loan and my auto loan applications to be reinstated so that I can pay my bills ( and so that I can sign the acceptance forms on both the personal loan and the auto loan, resolve the breach of contract suit, and pay my all the overdrafts as well as the overdraft charges on my XXXX account.\n\nI will certainly be most appreciative of your prompt action in this matter.\n\nCC : consumerfinance.gov ; www./ncua.gov ; www.dobs.pa.gov In case you need the reference numbers for each piece of ID I uploaded : Identity Authentication - XXXX Government Issued ID Identity Authentication - XXXX Government Issued ID Identity Authentication - XXXX Social Security Card Identity Authentication - XXXX Utility Bill Identity Authentication - XXXX Other ( ID )", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/5434997", "source": "cfpb", "group_id": "cfpb/ea01de6218aec1887796", "variant": "clean", "length_bucket": "long", "chars": 8143, "company": "PENTAGON FEDERAL CREDIT UNION", "date_received": "2022-04-11", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "ea01de6218aec1887796033f5cb3f3b799be12204e3fa45cb16259953a9ed158", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received an offer from this card and it advised you pay a one time program fee with access to a {$300.00} limit. I waited a while and then decided to activate it. After activating they charged another {$75.00} bringing the limit down to {$220.00}. The {$75.00} annual fee is not disclosed at all. I have copies of the misleading information I was sent. I called twice trying to get the {$75.00} annual fee back and my {$89.00}. I paid {$30.00} which is what I used reference number XXXX and was advised I owed {$100.00} ( Including their fee ) but since its 30 days I can have this closed and fees refunded. So once he put me on hold he says oh you cant get the {$89.00} back because you used the card. I activated this on XX/XX/XXXX today is XX/XX/XXXX. I havent even had the card a week and Im being taken advantage of and slyed out of {$89.00} plus {$75.00} thats not right. I paid what I owed. I want the fee of {$89.00} refunded back to me because they got that by misleading me and other customers by stating and I quote verbatim \" There is no security deposit required '' \" If approved simply pay a one time program fee to open your account and access your available credit. '' It does not say \" Once you pay your one time fee an additional annual fee of {$75.00} will be charged and your credit limit will be minus {$75.00} ''. What am I paying an annual fee for when I havent even been a customer for a year!? I want my {$160.00} back because this is so scammy and misleading! To be honest they arent even open about how much the \" start up fee is '' on their solitcitations!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4931021", "source": "cfpb", "group_id": "cfpb/3741a4f68dfd7ce575b0", "variant": "clean", "length_bucket": "medium", "chars": 1586, "company": "Total Card, Inc.", "date_received": "2021-11-20", "product_raw": "Credit card or prepaid card", "issue_raw": "Advertising and marketing, including promotional offers", "sub_issue_raw": "Confusing or misleading advertising about the credit card", "text_sha256": "3741a4f68dfd7ce575b03a16b91f24ab5744e10408ffd30b65370013f87101fe", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My federal school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply. Due to the Navient multistate settlement my private loans should be eligible for refund based off my schools for-profit status listed within the settlement terms.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/6054159", "source": "cfpb", "group_id": "cfpb/f8a0877aa5e02212f297", "variant": "clean", "length_bucket": "short", "chars": 473, "company": "Navient Solutions, LLC.", "date_received": "2022-10-06", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "f8a0877aa5e02212f29778a0293292c31e96351265be1d1e972729e031ffa26b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "DESCRIPTION OF INCIDENT : ( include names, date, times, location, specific quotes if applicable ) I posted an ad on XXXX on XX/XX/XXXX. Here are the details of conversation I had with the person who did the fraud.\n\nFraud : XXXX XXXX XXXX XXXX Hi, I am very much interested in your AD. Please kindly revert back if it is available.\n\nVictim : XXXX XXXX XXXX Yes it is. What is a good time to talk?\n\nFraud : XXXX XXXX XXXX XXXX I am very much interested.I will appreciate it if you will be kind to provide me with the following details : renting price/utilities, deposit if applicable, photos of the place, and also when is the move in date? I do follow clean and healthy habits. Non smoker and drinker. Do get back to me soonest.\n\nVictim : XXXX XXXX XXXX XXXX I am only looking currently for 2 months : XX/XX/XXXX and XX/XX/XXXX and then from XX/XX/XXXX until XX/XX/XXXX.\n\nThe rent is XXXX dollars including utilities for 2 months. Will be XXXX starting XX/XX/XXXX.\n\nI can send you the XXXX video of the place If you text me your number. Where do you work? How long are you wanting the accommodation for? The move in date is XX/XX/XXXX and the move out date is XX/XX/XXXX. I have a XXXX month old so let me know if you are ok living in a house with a kid.\nFraud : XXXX XXXX XXXX Hi, Thanks for your prompt response. I work with an organization engaged in XXXX XXXX. I am currently in XXXX, XXXX. And am originally XXXX ( XXXX ) .I appreciate the details you gave out to me about your room. Since i m unable to view it in person that helps my judgment.\n\nI m okay with the rental fees/utilities.I will be needing your help for much understanding. I can only make my first month Rent /Utilities payment through check because my sponsor is going to be responsible in handling my accommodation for the first month payment for my rent plus other expenses for my relocating and after the first month payment. I will be handling all other payments in person afterwards.\n\nBear with me on this, due to a long distance from XXXX the only way of communication for now is through text Msg or email. And have attached a copy of my ID so you know am serious about getting the place.\n\nCan I Trust You to refund any extra balance back to me after deducting rent plus utilities from my first payment you will receive from sponsor because you will be receiving more than the rent on the first check the extra amount is for my travelling and relocating expenses. Let me know if you are comfortable with this and i will be so glad if you can.\n\nIf you agree I will be needing you to reply back with your Full Name, Address and cell phone on where my company will make out the first payment to secure the place for rent plus utilities, Do get back to me soonest.\n\nVictim : XXXX XXXX XXXX XXXX I apologize, I only wanted a female roommate, Sorry it won't work for me Fraud : XXXX XXXX XXXX XXXX Please I am renting the place on behalf of my daughter who is relocating from XXXX to the US I will be needing you to reply back with your Full Name, Address and cell phone on where my company will make out the first payment to secure the place for rent plus utilities, Do get back to me soonest.\n\nVictim : XXXX XXXX XXXX XXXX XXXX, I have another person looking at the place tomorrow. She had contacted me first, I want to be fair to her. I can let you know by tomorrow end of the day if the place is still available for sure if you can wait. I don't really have anyone else right now lined up for the apartment other than that one person.\n\nVictim : XXXX XXXX XXXX XXXX My name is XXXX XXXX. My new address will be : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.\n\nhere is the link to the XXXX video where you can see the apartment XXXX XXXX XXXX there is a guy doing the voice over explaining the apartment- he is the current resident.\n\nMy cell phone number is -XXXX Fraud : XXXX XXXX XXXX XXXX Hi, Thanks for the detailed information. I am going to instruct my sponsor to issue out the soft copy of the check payment to you today. So you can print it out and deposit check via mobile deposit using your bank app on your phone. Like I had explained to you in my previous email there is going to be an extra amount on the check, After the deduction of rent amount. It is meant for my daughter travelling and relocating expenses. I will also like you to take down the AD on XXXX since we are both confirming. I am going to keep you posted with the check payment today.\n\nVictim : XXXX XXXX XXXX XXXX Sorry XXXX. I have not confirmed anything. Please don't issue any check,. In my email, I have mentioned that there is one other person who is interested and she will be seeing the apartment tomorrow. If she confirms then I will give her priority. If she is not interested, I can confirm the place with you on Friday.Please don't make any payments right now. Just give me time until Friday to confirm if the place is still available.\n\nFraud : XXXX XXXX XXXX XXXX Please can i send the check today Victim : XXXX XXXX XXXX XXXX Give me till the end of the day today. If the other person is not interested, yes you can send the Check. Will let you know by evening today Victim : XXXX XXXX XXXX XXXX Hello XXXX, sorry for the delay in getting back.\n\nYou can send me the check today if you are still interested in the place.\n\nMy address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Fraud : XXXX XXXX Hi, My financier has issued the check payment on your name which am attaching with this email. It can only be deposited via MOBILE DEPOSIT using your bank app on your phone.\n\nHere is the Mobile Deposit Instructions 1. you have to print out both front and back of check 2. Cut both front and back check out carefully to check size.\n\n3. Endorse check back with \" For Mobile Deposit Only '' and sign.\n\nDeposit the check into your bank account today before XXXX which is cut off time for mobile deposit. Funds will be made available to you next business day. You are to deduct the first month rent and the excess money to my travel agent as per my instruction.\n\nPlease notify me once the check deposited. You are to send me a pic of the deposit screenshot for my reference.\n\nWhen I deposited the check on XX/XX/XXXX, the money showed up instantly in my account. I made 6 transfers. 3 transfers from XXXX ( an instant money transfer service ) to the email id the Fraud person gave me. The email id I transferred the money to was XXXX ( XXXX XXXX ). The first transaction was for XXXX dollars, the second for XXXX dollars and the third for XXXX dollars. The money was withdrawn from my account on XX/XX/XXXX.\n\nThe other email id I transferred the money to was XXXX. I transferred XXXX dollars using XXXX and another XXXX dollars using XXXX ( another instant money transfer service ). The money was deducted from my account on XX/XX/XXXX.\n\nOn XX/XX/XXXX, the XXXX dollar check the fraud person sent to me was withdrawn from my account.\n\nI called my bank- PNC on XX/XX/XXXX. I told the bank what had happened. The person I spoke to was XXXX XXXX ( who is in the retail team of PNC ). He told me that once they know why the check was withdraw they can help me file a fraud case. He asked me to call him on XX/XX/XXXX. He also mentioned that he will call me.\n\nI didn't get any call from him. I tried calling him many times on XX/XX/XXXX but he didn't answer the call. I left voice messages but he didn't respond. Then I called another customer service member at PNC and they basically told me that they can't file a fraud because I authorized the payments. They said they are sorry that someone in their team gave me incorrect information about helping file a case but they said sorry.\n\nI filed a police complaint on XX/XX/XXXX.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/2915926", "source": "cfpb", "group_id": "cfpb/dbc6373261c26ed8cefd", "variant": "clean", "length_bucket": "long", "chars": 7708, "company": "PNC Bank N.A.", "date_received": "2018-05-23", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "dbc6373261c26ed8cefd6e5c089cc5deedf585308c87887fd771abca94d94c5f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been waiting for months for the payment from Loan Depot. They have been holding over {$100000.00} for months. They were insisting I find receipts and vendors from years ago to satisfy their requirements.\n\nRecently a new processor was apparently assigned my case and called to discuss. I explained this to her. She seemed much more reasonable by explaining that essentially if I just wrote an explanation stating no contractor 's liens could exist on the house then all would be processed following inspection. Below is summary of the following 60 days of interactions.\n\nXX/XX/XXXX - Received call from new processor XXXX XXXX. We discussed that all was complete. She would resend the information regarding what I should send in support and she would begin the inspection process ( 3rd party to confirm all was in order at the house ).\n\nXX/XX/XXXX- She sent via email the information.\n\nXX/XX/XXXX- I received contact from inspector via text to begin the process of arranging inspection.\n\nXX/XX/XXXX- I received another request for the inspection. It is unclear if this is same company as first request or if this is different company, but I replied as I was already overdue for responding to the first one.\n\nXX/XX/XXXX- I provided the requested information and inspector said all would be to Loan Depot in 3-5 days.\n\nAlso sent statement of no liens on this date to Loan Depot as instructed.\n\nXX/XX/XXXX - Received email confirming receipt of my submissions from XXXX from Loan Depot XXXX\n\nXX/XX/XXXX - XXXX called to discuss. Call log screenshot showing 8+ minute discussion. She did not yet have my submissions ( despite confirmation email ). I again forwarded the email I originally sent on XXXX while we were still on the phone together. She said she now had all she needed. I requested explanation of timeframe. She said Thursday or Friday ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) of following week I should have the check after it was all processed.\n\nXX/XX/XXXX - XXXX got the email with the full request for all information again. The same email sent weeks prior on XX/XX/XXXX from Loan Depot to me. It was sent with zero supporting explanation. I did not understand why I would get that if all was done and the check should have been arriving any day. I called ( 22+ minute call shown in call log ) Loan Depot gave me no explanation. Nobody knew what was going on. The person I spoke with confirmed a message was sent to XXXX XXXX to call me with an explanation within 24 hrs.\n\nXX/XX/XXXX - XXXX have still received no call or update of any type. I email back on the ongoing thread explaining that I need explanations. I included the reference number to the case given by XXXX XXXX in email. A reply came hours later expressing apology for the frustration I was experiencing and assuring that my processor would call.\n\nXX/XX/XXXX - I email again for an update as I have yet to receive any call or email.\n\nXX/XX/XXXX- I get a response requesting that I resend 'the information ' and include the property address and loam number, despite the fact that all of the above communication is on the same email thread. This means every bit of info all the way back to the initial submissions is on the very email thread which she is asking for clarity of. I call and have a 25 minute call where I am constantly put on hold waiting for a supervisor to become available. The lady speaking to me said that the supervisor messaged her and told her that we should end the call and that he would call me back personally after the call he was on. This was 7 hours ago and still no call.\n\nI have made every reasonable effort to communicate and work with Loan Depot. They are stalling/ignoring me and holding my money for months. I can get no answers. All description here is supported via various screenshots of calls and developing email thread. Please let me know what further information is needed to facilitate them answering for this situation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7617576", "source": "cfpb", "group_id": "cfpb/bce988266cebf0f53cca", "variant": "clean", "length_bucket": "medium", "chars": 3954, "company": "LD Holdings Group, LLC", "date_received": "2023-09-28", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Escrow, taxes, or insurance", "text_sha256": "bce988266cebf0f53ccacb95e25d4b893ff15b6be2c34f50155363631f921c14", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/2023 Subject : Unlawful Access and Misuse of XXXX XXXX XXXX 's Online Experian Credit Reports Dear Sir or Madam, I am writing to bring to your attention a distressing incident involving the unlawful access and misuse of my Experian credit reports. On XX/XX/2023, at approximately XXXX XXXX, I discovered that an individual or group, likely using a [ n ] fictitious, similar, or exact names and/or one or more of them has changed their legal name to match mine, XXXX XXXX XXXX XXXX XXXX had intentionally, knowingly, and willfully gained unauthorized access to my online Experian credit file account. This intentionally and repeatedly unauthorized access occurred on several occasions, specifically dated on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. The fictitious, similar, or exact name individuals has obtained my login Personal Identifiable Information ( PII ), including my email address, password, and cellular phone two-steps authentication codes ( received via SMS text messages ), and subsequently deleted these text messages from my XXXX XXXX Messages App, leaving no trace my online Experian credit file account had been compromised. Please refer to Exhibit A for evidence.\n\nTo substantiate my claims, I have maintained a written logbook of my online Experian credit file account activities. Although, I had accessed my online Experian credit file account dated on XX/XX/2023, XX/XX/2023, and XX/XX/2023, for the sole purpose of printing out my Experian credit reports, I had noticed one discrepancy. The Experian credit report generated on XX/XX/2023, is missing from the list displayed dropdown menu within my online Experian credit file account which is particularly notable. However, I possess a printed copy of the missing Experian credit report unlisted from that date ( XX/XX/2023 ). Please refer to Exhibit B for evidence. This discrepancy confirms that the fictitious, similar, or exact name individuals had unlawful accesses to my online Experian credit file account and generated my online Experian credit reports dated on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, without my lawful authorities. Therefore, I have conclusive evidence of the fictitious, similar, or exact name individuals unauthorized and intentional nature of their actions against my online Experian credit file account.\n\nI want to emphasize that I have taken extensive precautions to safeguard my online Experian credit file account. I have regularly cleared my browser data daily in order to prevent unauthorized tampering, refrain from sharing my files with anyone, and abstain from signing any official notarized instruments, including power of attorney, affidavits, or waivers of rights, with anyone person even family members. Despite these measures, the fictitious, similar, or exact name individuals have deliberately targeted, threatened, harassed, and hacked into my computer devices, asserting their ownership and property rights over my personal identification documents, authentication features, identification cards and online Experian credit file account.\n\nThe fictitious, similar, or exact name individuals who have assumed my full legal name, XXXX XXXX XXXX, unlawfully obtained, accessed, allocated, allowed, assigned, advocated, granted, permitted, and disseminated my online Experian credit reports through an enabler ( s ) who, in turn, believed the psychological gaslighting tactics employed by the fictitious, similar, or exact name individuals. These enablers have employed backdoor identity theft methods or schemes, with the intention of controlling my life by using my online Experian credit reports for fraudulent activities, without any legal proof, evidence, or due process of the law. Their actions resemble those of vigilantes, denying me the protection of the law and suggesting that I have stolen my own identity from individuals of XXXX or XXXX descent or from a XX/XX/XXXX individuals, all without due process of the law.\n\nIt is evident that the fictitious, similar, or exact name individuals purpose behind these unauthorized accesses actions were to obtain hard copies of my online Experian credit reports, which the fictitious, similar, or exact name individuals intended to use for their own benefit without my consent, acknowledgement, and lawful authority. This constitutes consumer fraud, as the fictitious, similar, or exact name individuals have fraudulently presented my Experian credit reports to various governmental and non-governmental entities, such as for : apartment rental opportunities, employment opportunities, vehicle purchases opportunities, banking institutions ( in order to open bank accounts ), post educational institutions ( for applicability of admission acceptance into colleges and universities ), and contractual lease agreements.\n\nBy providing these various governmental and non-governmental entities with my online Experian credit reports without my lawful authorities, the fictitious, similar, or exact name individuals have committed acts that violates my Constitutional or Civil Rights.\n\nThese actions have violated my fundamental rights in several ways : 1. The fictitious, similar, or exact name individuals have infringed upon my guaranteed protection rights, such as the right to be secure in my person, apartment, papers, and effects against unreasonable searches, seizures, or intentional damages.\n\n2. The fictitious, similar, or exact name individuals have encroached upon my life, liberty, property, and pursuit of happiness rights.\n\n3. The fictitious, similar, or exact name individuals have deprived me of my rights to be informed of the nature and cause of accusations, as well as the right to confront witnesses against me.\n\n4. The fictitious, similar, or exact name individuals have enforced involuntary conditions of servitude against my personal identification goods, documents, authentication features, identification cards, and online Experian credit file account.\n\n5. The fictitious, similar, or exact name individuals have violated my equal protection rights.\n\nIn order to prevent such incidents in the future, I strongly recommend that Experian to implement security measures for users login credentials such as, the implementations of security keys, password encryption using programming technologies such as, Express Session and Passport ( e.g., XXXX or XXXX Libraries in Node JavaScript language ) instead of storing users passwords in plain texts within Experian database, would greatly enhance the protection of users Experian accounts and could prove beneficial in this regards.\n\nI kindly request your immediate attention and a thorough investigation into these distressing incidents of identity theft involving my online Experian credit reports. It is imperative that the responsible individuals are identified, held accountable for their actions, and appropriate measures are taken to ensure my safety, privacy, and the restoration of my rights. Any assistance and support you can provide in resolving these urgent matters would be greatly appreciated. Please contact me at my email address at your earliest convenience.\n\nThank you for your prompt attention to this serious issue. I eagerly await your response and decisive action.\n\nRespectfully, XXXX XXXX XXXX XXXX XXXX : XX/XX/2023XX/XX/2023", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7053123", "source": "cfpb", "group_id": "cfpb/4190964954b62777cdbb", "variant": "clean", "length_bucket": "long", "chars": 7415, "company": "Experian Information Solutions Inc.", "date_received": "2023-05-31", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "4190964954b62777cdbb21a0f8fe5b4bf86b6b361a93d6edc85742b22fb79fb6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to Transunion and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4814677", "source": "cfpb", "group_id": "cfpb/653b99ee2e5bae518a9d", "variant": "clean", "length_bucket": "short", "chars": 352, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2021-10-15", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "653b99ee2e5bae518a9ddafc819acb3fea226c38d5f876e04d7bb3e22b336baf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2022, my wallet containing my debit card and bank information was lost and I received an unauthorized charge of {$540.00} on my debit card. My bank is refusing to dispute the transaction and refund me because they claim my pin the chip were used. However I did not make this transaction. I attempted to contact the merchant but they stated they were only able to refund fraudulent online purchases and this purchase was made in-store.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5557933", "source": "cfpb", "group_id": "cfpb/5def9fd68ca50a9f2bbd", "variant": "clean", "length_bucket": "short", "chars": 443, "company": "VYSTAR CREDIT UNION", "date_received": "2022-05-13", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "5def9fd68ca50a9f2bbde6f77acbaa8fbff6c8d3cfcb55a116ae206ae5cb4f11", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have notified TransUnion several times that I didn't authorize these companies to run my credit and also that there was no firm offer for credit either. I have asked for verification documents and TransUnion has failed numerous times to give me those documents.\n\nRemove these inquiries. I did not give consent for them to have access to my credit report...\n\nXXXX XXXXXX/XX/XXXX this account was removed due to identity theft. Remove the inquiry.\n\nRise XX/XX/XXXX this account was removed for identity theft. Remove inquiry.\n\nXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX this account and inquiry has been reported as identity theft and the company confirmed this with me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6499489", "source": "cfpb", "group_id": "cfpb/a892d2e6a81364ee46d9", "variant": "clean", "length_bucket": "short", "chars": 678, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-01-28", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "a892d2e6a81364ee46d9d00c5a3315d26e70b7b731d6cf30faebe29bf61a9e73", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Navient Account # XXXX I started with loans of around {$18000.00} and was garnished for 12 years, I now owe around {$30000.00}.\n\nI graduated in XXXX. I paid some payments through the years but finally defaulted after some financial difficulties. In XXXX, XXXX XXXX ( I think ) contacted me about rehabilitating my loan. They said if I paid {$150.00} per month for a year then my credit would be cleared and I could just keeping making payments. Nothing was ever mentioned about higher payments in the future.\n\nAfter the year of full payments on time, they said I had to make {$400.00} a month payments. I said I couldn't, so they said they would garnish my wages. I let that go through since at the time they could only garnish 10 %, which was less than the {$400.00} a month. I figured they would just take it out of my paycheck & it would be paid off. They never mentioned that they were required to negotiate a monthly amount with me, as I have since found they were required to. They said pay the {$400.00} or be garnished.\n\nLater the garnishment went up to 15 % due to a change in Florida law. I was garnished for 12 years. When I called to get a status after the 12 years, they said I still owed about {$30000.00} ( the original loan was {$18000.00} ). When I tried to contact the servicer at that time, XXXX XXXX XXXX XXXX, I think run under XXXX XXXX, their website was gone & the phone number directed me to Sallie Mae, who had no information on any outstanding loans. I checked with my employer & got the name of the collection agent, XXXX XXXX XXXX XXXX. I contacted them & now they said I owe about {$40000.00}! If I'm making payments, then how could my balance have gone up in 1 year.? They sent me paperwork & pushed me to reconsolidate. All of this is not 100 % since Im going from memory and I have been confused between who holds the loan and who services the loan, and then it gets sold so Im confused again.\n\nI have included Navients documentation of my loan payments. I also printed the payment history from XXXX XXXX website. It shows I have paid {$92000.00} on what was originally an $ XXXX loan!\n\nIn addition, Navient said back then that they had no record of payments from me except for the garnishment payments. I found the history of my payments on I think the XXXX XXXX or Sallie Mae site & sent it to them.\n\nI submitted a complaint to the Consumer Finance Protection Bureau. Navient denied to the CFPB that I had made any payments other than the garnishments, but you can see from both their list and the XXXX XXXX list that I have. I told the CFPB that Navient was wrong or lying, and the next thing I know, they cancelled my garnishment. I thought maybe they had agreed that I had more than paid for this loan, but apparently they just sold it to XXXX XXXX XXXX since it had become a problem account.\n\nI asked for a hearing, as was my right. I never got one. Most of the above information I sent to the hearing officer. One the date & time of my hearing appointment, no one called. I called Navient & they said the officer suspended my payments & there would be no hearing. This went for a couple of years. Now every year or so I get another letter from another collector. I send them the information preceding this, including the CFPB complaint, and ask for a hearing. I get nothing. They are not garnishing my wages right now, but they are still taking my tax refunds. I recently heard again from XXXX again & sent them the previous information & asked for a hearing. Instead of a hearing, I received a history of my payments & a letter from Navient mostly talking about my credit report. I don't know if they are seeking garnishment again.\n\nI am so confused & don't understand how I can pay so much & have my balance go up. I don't even understand the relationship between all the parties involved. I am XXXX years old & coming up on retirement & can't afford to pay {$400.00} a month again, especially if the principal goes up instead of down. That's insane. I feel that since I have paid more than 4 times what I owed, even with penalties and interest, that this loan should be considered paid off.\n\nPlease help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/4277740", "source": "cfpb", "group_id": "cfpb/5a05f5e6f16537317ed7", "variant": "clean", "length_bucket": "long", "chars": 4158, "company": "Navient Solutions, LLC.", "date_received": "2021-04-06", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "5a05f5e6f16537317ed76ef55a9778af91572f4c2a564af77fdb04189e78762b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I attended 2 Universities, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of paying XXXX monthly under the IDR program, no problems with that Loan Processor. However, the nightmare is with Nelnet.\n\nNelnet I have repeatedly sent emails through their site and my personal email to address the problem that Nelnet isn't honoring the proper procedures under the SAVE Program for which is applied for loan # XXXX. However, they are processing loan # XXXX under the SAVE Program. In my emails which have been a total of 7 of them, I have addressed several issues, one being the letters of my account being past due and the threat of sending delinquent information to the credit bureau but most importantly why are you not processing my loan under the SAVE Program? Nelnet has not worked this account under the SAVE Program and on the Federal Student Loan website where I applied for the SAVE Program both loans # XXXX and # XXXX are listed together and I applied for the program on both loans. I called Nelnet on several occasions and was on hold for over an hour. I decided to stay on hold for one occasion and was on hold for over an hour. I finally got a customer service representative who I was on the phone with for another hour because she couldn't figure out along with a supervisor why their system is not capturing loan # XXXX. At this time, they state that I owe {$700.00} monthly on the XXXX ( impossible for me to pay but at least they are still working on this one and repayment has not been initiated ). However, loan # XXXX has been in repayment since XXXX, and is now at a total of {$700.00} due by XX/XX/XXXX. Loan # XXXX has never been processed under the SAVE Program or acknowledged that it should be. I have never received any responses to the 7 emails sent and the representative who tried to correct this erroneous mistake deferred the payments but somehow it was removed and back in repayment stating 90 days past due. Nelnet isn't compliant with responding to emails or correcting their mistakes. I am living in fear every day that they are going to report me to the correct bureau. I applied for the SAVE Program because I can not pay 3 loans ( 2 with Nelnet and one with XXXX ) at the payments established without an Income-Driven Repayment Plan/SAVE Program allowing me to pay payments according to my income. My payments with XXXX are on my income and I received notice to resubmit my income documentation so that my payments can continue under the current amount. This is the way it should be handled. I don't understand what Nelnet is doing and why they have selected which loans to process under the SAVE Program. Also, I have a problem with them not responding to my countless numbers of emails regarding this issue.\n\nLast, I'm not sure if this matters but one of the loans is over XXXX XXXX XXXX, XXXX to be exact ( not sure if XXXX is the holder of that loan or Nelnet ) and that loan is 3 times how much I initially received.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/8056245", "source": "cfpb", "group_id": "cfpb/6ada75b9e0a226e74733", "variant": "clean", "length_bucket": "medium", "chars": 2981, "company": "Nelnet, Inc.", "date_received": "2023-12-26", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "6ada75b9e0a226e74733b0b520408332d5b7c4becaca39215f1123357bd113a2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2654393", "source": "cfpb", "group_id": "cfpb/1716aa9d8e926d28e4a7", "variant": "clean", "length_bucket": "medium", "chars": 1213, "company": "SUNTRUST BANKS, INC.", "date_received": "2017-08-30", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "1716aa9d8e926d28e4a7144f4e5f6bac3b40e9b37547be35a5fa3613938acadd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Portfolio Recovery is a debt recovery company. I dont have a signed contract with them. The couldnt produce the proper documents when asked for method of validation to show me that my signature, Identifiation etc was on file. They couldn't produce it.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2869874", "source": "cfpb", "group_id": "cfpb/6533f6ebe917c6fb7435", "variant": "clean", "length_bucket": "short", "chars": 251, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2018-04-09", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "6533f6ebe917c6fb74350f4b3a59777ae007b32d8d78695add4b6729b8463de0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Bank of America fraudulently took {$6900.00} three times from my checking account. I paid of the balance of {$6900.00} on XX/XX/XXXX on XX/XX/XXXX XXXX they took out the {$6900.00} again, then again on XX/XX/XXXX.\nConfronted with their mistake they told me they would replace the funds on 3 to 5 business days.\nThis cause more over drafts and fees.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "unauthorized_transactions", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/3625875", "source": "cfpb", "group_id": "cfpb/549576b927f24d8592b5", "variant": "clean", "length_bucket": "short", "chars": 350, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2020-04-27", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "549576b927f24d8592b547e96f11a67cffd3297865b86ff35a62fe94dc9acd60", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.\nDespite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.\nXXXX XXXX XXXX XXXX XXXX XXXX, defines Verify as, 1 ) \" To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.\nYou say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).\nIt is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.\nPlease be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.\n\nI have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer thatdebt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.\nName of Account : Provide Physical Proof of XXXX/XXXX/XXXX XXXX XXXX, XXXX.XXXX.XXXXXXXXXXXXXXXX XXXX XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/3462860", "source": "cfpb", "group_id": "cfpb/f2030e8db2407cba0b3a", "variant": "clean", "length_bucket": "long", "chars": 4034, "company": "Experian Information Solutions Inc.", "date_received": "2019-12-09", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "f2030e8db2407cba0b3ab44ffcc6b4c47ab4ca5521b34d62770fccace40b0be0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had {$XXXX} in transactions that were unauthorized. I waited XXXX days to receive the provisional credit which was on XXXX XXXX. The provisional credit that was issued to me was only for {$XXXX}. Im missing the {$XXXX} the merchant/bank tells me that that is what I was approved for for the provisional credit", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/10338679", "source": "cfpb", "group_id": "cfpb/384ec9c41b486c9e98f7", "variant": "clean", "length_bucket": "short", "chars": 312, "company": "CARD Corporation", "date_received": "2024-10-03", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "384ec9c41b486c9e98f7e1b06e28ef82f4e3f5e886662a28f885aaabb8ddea55", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We bought a dishwasher and it was broken. We called the store, they had us come in to order a new one and process the return of the old one. The manager told us the dishwasher would be picked up within 3 days, so we waited. They brought our new dishwasher and told us they werent taking the old one. So I called the general help line and spent 5 hours on the phone trying to get it resolved, the guy on the phone said the manager did not process the request correctly and he needed to reach out to the vendor to see if they would take the dishwasher, he said that someone would be calling me that day and they were scheduled to pick up the dishwasher on Monday. Well the dishwasher wasnt picked up on Monday, so I called again on Tuesday and spoke with a supervisor and he said everything would be taken care of and he would call me no later then Friday, nobody called me on Friday, so I called in and spent another 2 hours on the phone! I still have a dishwasher sitting in my living room and Ive received the bill on the dishwasher and Im afraid of getting a late charge and my credit being hit. I dont want to have to pay for 2 dishwashers.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3633557", "source": "cfpb", "group_id": "cfpb/039ceeb6dc03a0e910db", "variant": "clean", "length_bucket": "short", "chars": 1143, "company": "CITIBANK, N.A.", "date_received": "2020-05-02", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "039ceeb6dc03a0e910dbd5be17773f63a6b768115f9b058fd9ae4494cf7eb309", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I joined a course called XXXX XXXX XXXXXXXX ( XXXX ) back in late XXXX of this year. Around XX/XX/XXXX. It was going great until the CEO of XXXX claimed bankruptcy. I was provided services for about half of my promised term, which was supposed to be 6 months. I only received about 4. I filed a claim on XX/XX/XXXX to cancel my loan with Universal account service because the initial company ( XXXX ) that made me go through this 3rd party, has claimed bankruptcy ( Around XX/XX/XXXX ). They were not able to provide me with the full terms of service, which has made me decide to stop paying off the loan. I payed 4 months ( From beginning of XXXX beginning of XX/XX/XXXX ) worth of payments of {$210.00} for a total of {$870.00}. I currently have a remaining balance of {$9900.00}. When it comes to actions taken by me, I call UAS about 2 times a week to get an update, and am responded with nothing but rude answers. I've talked to XXXX XXXX, XXXX, and the worst one of them all XXXX XXXX They continue to say, '' We are waiting for the merchant to respond '' or \" We are in merchant review '' \" You're just going to have to play the waiting game. '' But the merchant ( XXXX ) has gone bankrupt. Are they every going to get back to them? I'm assuming they're not. I have gone back to the website where I signed documents for XXXX and yet, there is nothing to be found. It's hurting my credit because it is considered a late fee. I would love to have the loan canceled and my credit saved.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7929257", "source": "cfpb", "group_id": "cfpb/28052183ff5cc490ca87", "variant": "clean", "length_bucket": "medium", "chars": 1490, "company": "Universal Account Servicing, LLC", "date_received": "2023-11-30", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem with additional add-on products or services", "sub_issue_raw": "", "text_sha256": "28052183ff5cc490ca87283587f868066921e14e6caff694ef80874741568966", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had been a Chase cardholder for over a decade. I have never missed a payment and my account has always been in excellent standing ( as reflected on my credit report ). I tried to purchase some meds that I get by mail order and my payment would not go through. On XX/XX/XXXX I called the customer service line and was informed that my account was closed on XX/XX/XXXX and a letter mailed to me ( which I have still not received to date ). On XXXX and XXXX I made three extra payments, with nothing due at that time. This year I was able to pay off all credit card debt and now pay purchases as they post or at least pay off the card in full every cycle. I did not realize that Chases online system auto-populates the payment funding account to the last account you used so the payments tried to pull from savings that I dont often use. As soon as I realized what happened ( before even receiving notices ) I paid the card from my checking account with I had originally intended.\nChase has used the returned payments as a reason to close my credit card. There was no warning or communication that these returns could cause negative account consequences. The returned item notices gave no indication of closure and even thanked me for my business. They also did not charge me any, so it seems that it was not even serious enough to warrant a fee. Clearly, the decision to close my account was not made at the time of the returns but almost two months later. The timing is suspicious. I had an {$18000.00} credit line which closing could affect my credit score. The only reason I can see that they would review my account and close it almost two months later is that they are using it as an excuse to close my account because I dont carry a balance ( they dont make interest off of me ) and I redeem about $ XXXX {$60.00} of points in statement credits per month ( which there is nothing against in the account agreement and the whole reason I opened this card ). The reason provided to me over the phone on XX/XX/XXXX by XXXX a supervisor ( who refused to let me speak with anyone higher ) was that my account was closed because of the returned payments. However, according to my account agreement, there is no clause that states returned payments could result in account closure. The only clause that deals with returns state We may charge this fee if the payment you offer to us is not honored, is returned unpaid, or can not be processed which has nothing about closing an account ( and was not charged ). The only other clause that allows them to close an account is We are not obligated to honor every transaction, and we may close or suspend your account. Sometimes we close accounts based not on your actions or inactions, but on our business needs. however the reason given to me was based on my action and not a business need. It is clear in their agreement that my contract/account was not terminated in a legally allowable manner ( see attached account agreement ).\nI called on XX/XX/XXXX and requested to speak with a manager. I was transferred to XXXX a supervisor who kept telling me what dont you understand, you had a returned payment. XXXX stated they dont have an external email so could not send me my account agreement, he told me it is not available online, and they could also not send me it via the online messaging system. He also would not cite to me the clause that gives them the right to close it. Seemingly he did not want me to look at it. Also, he stated that a loan is not a contract, which is grossly incorrect. On XXXX I messaged chase that I had a right to obtain my account agreement to which they sent me a direct online link. Why was this not supplied immediately the first time I called on XX/XX/XXXX.\nThis closure appears to be a deceptive way to get out of their relationship with me since they dont see my account as profitable, with complete disregard for their effect on my credit and overall financial health. I also have all my automatic I have to switch, not to mention the fees I would have incurred from other companies if those payments bounce since I did not receive any notice it was closed. They say they sent me a closure letter the same day the account was closed XX/XX/XXXX, but then why does it not show up in the Notice and Letters section of online banking ( See screenshots attached ) like the returned payments notices do, which suggests a closure notice was not actually sent. To date, I have not received any closure notice. This to me appears to be a violation of Reg Z closure notice requirements, a breach of contract/account agreement, and the whole issue is a possible UDAAP violation.\n\nI have worked in the financial sector for over a decade and we would not dream of closing someones account who 1 ) for a reason not legally supported by the account agreement, 2 ) when the client had over a decade of excellent account history, and posed no threat to the financial institution, 3 ) for one mistake, that was an extra payment, 4 ) that did not negatively impact our financial institution, and 5 ) that was the fault of the online system auto-populating the wrong payment account. Their actions are unconscionable and I am being retaliated against for not being a profitable client who is financial responsibility and does not regularly pay interest anymore.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "closing_the_account", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3884645", "source": "cfpb", "group_id": "cfpb/b99d3f52be8249db4f72", "variant": "clean", "length_bucket": "long", "chars": 5334, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-10-06", "product_raw": "Credit card or prepaid card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "b99d3f52be8249db4f72b9cbc4ac20803c9da87a426de2f19de729b0183d8210", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Re : Request for Removal of Inaccurate Credit Reporting Account Numbers : XXXX & XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of inaccurate information being reported to the credit bureaus regarding my private loan accounts, referenced above. Despite my efforts to resolve these issues, I have discovered that Sallie Mae continues to report negative and misleading information related to these loans.\n\nLoan Account # XXXX : Original Balance : {$20000.00} Settled Amount : {$10000.00}, paid in full to XXXX XXXX ( collection agency ).\nTaxable Settlement : I paid taxes on the settlement amount as required by law.\nLoan Account # XXXX : Original Balance : {$4000.00} Settled Amount : {$1500.00}, paid in full to XXXX XXXX ( collection agency ).\nTaxable Settlement : I also paid taxes on this settlement amount.\nI was under the understanding that these loans were settled in full with the collection agency, XXXX XXXX, and that Sallie Mae would no longer be involved in reporting these accounts. However, despite the full settlement and the fact that I have complied with all necessary steps ( including paying taxes on the settlement amounts ), Sallie Mae continues to inaccurately report a balance due and/or negative information related to these loans.\n\nThis ongoing mismanagement is causing harm to my credit profile and financial well-being. I am requesting that Sallie Mae immediately : Correct the inaccurate information being reported to all three major credit bureaus ( XXXX, XXXX, and XXXX ) to reflect that these accounts were settled in full with XXXX XXXX.\nDelete any erroneous balances or derogatory marks that are currently affecting my credit history.\nProvide written confirmation to me that these corrections have been made and that all information has been updated accordingly with the credit bureaus.\nPlease be aware that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information reflected in my credit reports. I trust that Sallie Mae will take the necessary steps to rectify this situation promptly and avoid further damage to my credit.\n\nShould you need any documentation to support my claim, including settlement agreements, tax records, or correspondence with XXXX XXXX, please do not hesitate to contact me at the above address or phone number.\n\nFCRA Violations by Sallie Mae The Fair Credit Reporting Act ( FCRA ) is designed to ensure that consumers credit reports are accurate, fair, and private. It also holds credit reporting agencies ( and data furnishers like Sallie Mae ) accountable for providing accurate information. In this case, it appears that Sallie Mae has potentially violated several sections of the FCRA : Section 1681s-2 ( a ) : Duty of Furnishers of Information to Provide Accurate Information Under this section, creditors ( like Sallie Mae ) are required to provide accurate information to the credit reporting agencies. If they are aware that the information being reported is inaccurate, they must correct it. Given that you settled your loans with XXXX XXXX and the debt was paid, Sallie Mae is obligated to report this accurately. Reporting incorrect balance information or an unresolved debt after a settlement is a violation of this provision.\n\nSection 1681i : Procedure in Case of Disputed Information This section gives consumers the right to dispute inaccurate information on their credit reports. Once a dispute is filed, the credit reporting agencies are required to investigate and resolve the dispute within a reasonable timeframe, typically 30 days. If you have already disputed the inaccurate information, and it has not been corrected, Sallie Mae may be in violation of this provision by failing to investigate and correct the inaccuracies.\n\nSection 1681e ( b ) : Accuracy of Information Under this section, the FCRA mandates that credit reports must be accurate and not misleading. If Sallie Mae is continuing to report a balance after the loan was settled, they are violating the FCRAs requirement that information must be accurate and not misleading.\n\nSection 1681s-2 ( b ) : Duty to Investigate Disputes If a dispute is raised by the consumer, the furnisher ( Sallie Mae ) is required to investigate the issue with the credit reporting agencies. If youve already raised this issue directly with Sallie Mae and they have not investigated or corrected the errors, they would be violating this provision.\n\nI look forward to your prompt resolution of this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10960700", "source": "cfpb", "group_id": "cfpb/dcfdff0733ffe4c69828", "variant": "clean", "length_bucket": "long", "chars": 4538, "company": "SLM CORPORATION", "date_received": "2024-11-28", "product_raw": "Student loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Public record information inaccurate", "text_sha256": "dcfdff0733ffe4c698286c88ef089c0698f91e81b780ebe7735b7c2ee9305b57", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX I initiated an international wire transfer to XXXX XXXX in XXXX, XXXX for {$3700.00} to pay for my daughters wedding. For some reason, the transfer was never received by the beneficiary at an account at XXXXXXXX XXXX. I called Wells Fargo and after an investigation they sent me a letter stating \" the funds were not delivered to the beneficiary. '' They have done 2 investigations and told me XXXX 's is \" holding '' the funds and they have asked for a return of the funds to my account. To date, this has not happened. I spoke with them again today and I got the same answer, a waiting game. They told me that they have to send an electronic request to pull back the funds. I suggested that a Wells Fargo banker call a banker at XXXX and resolve the issue. Why can't they call... it could be resolved in 5 minutes. This issue has been ongoing for months with no resolution. The Wells Fargo representatives keep giving me the same answer and not taking any action. In addition, I always have to call to get an update. They don't call... Very frustrating as this is not a {$20.00} exchange... Please help in any way you can... I would like to retrieve my funds that have not been delivered... it only seems fair.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5861475", "source": "cfpb", "group_id": "cfpb/0faa0973a53d79684186", "variant": "clean", "length_bucket": "medium", "chars": 1220, "company": "WELLS FARGO & COMPANY", "date_received": "2022-08-09", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "0faa0973a53d7968418696a7ab055f4c15deece4def593ef06cfb9561a52f7ac", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a check from XXXX XXXX on XX/XX/2022 in the amount of {$1400.00} and deposited it into my checking account with Chase through Mobile Deposit on XX/XX/2022. Friday XX/XX/XXXX the funds from the mobile deposit were released to my account and no longer showed pending. Then Thursday XX/XX/XXXX all funds were shown to have been removed from my checking account and my account was completely closed. I called Chase customer Service twice, once on XX/XX/2022 then again XX/XX/2022 both times I was informed that the check could not be verified by the maker because no number for XXXX XXXX was in Chases Database. I then went into The XXXX TX Chase branch and spoke to someone and was informed the same information and was told to reach out to XXXX XXXX and get a phone number from them that Chase could call to verify the check. From there I went to XXXX XXXX in person and spoke to the cashiers office and was informed that the funds were released to Chase and then I was given the number to the head of the Cashiers office and the Vice President for obtaining verification. I again went up to Chase and informed an advisor of the issue and provided him with the number to XXXX XXXX XXXX XXXX and Cashiers office. I was then told that the phone numbers were not in the database and that they would not be able to call anyone to verify the check and the funds can not be released until Chase has verified the check with the maker. I then asked if verification could be made with XXXX since that is who XXXX XXXX banks with and was told that was not possible. From there I asked what I could do to obtain the {$1400.00} and was informed that the branch was going to submit a complaint to Chase and wait for a response. I was denied a copy of any of the transactions and was never given an alert to the account being put on hold or closed. There was no answer when I requested a timeline of when the situation would be resolved and was told there was no way to ensure me that it ever would be.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6121716", "source": "cfpb", "group_id": "cfpb/550e2822101d09180e69", "variant": "clean", "length_bucket": "medium", "chars": 1997, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-10-24", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "550e2822101d09180e696bb52e33c0beb19c50740fdb409d6e62fe491a5b5d03", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2392060", "source": "cfpb", "group_id": "cfpb/8dd19158b457663eaf65", "variant": "clean", "length_bucket": "short", "chars": 540, "company": "COMMUNITY CHOICE FINANCIAL, INC.", "date_received": "2017-03-17", "product_raw": "Payday loan", "issue_raw": "Can't contact lender", "sub_issue_raw": "", "text_sha256": "8dd19158b457663eaf65b950a8c0218529163018ae3b25162e467d216996e5f1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.\n\nI was placed under \" audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.\n\nThis is unreasonable service to take so long to simply count my payments and not provide any further guidance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3062582", "source": "cfpb", "group_id": "cfpb/9e6d6a98d7eabd01b98a", "variant": "clean", "length_bucket": "short", "chars": 701, "company": "AES/PHEAA", "date_received": "2018-11-01", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "9e6d6a98d7eabd01b98a2374fb77945eee6306a69dbbb9cdcdd7b9fd01d72516", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.\n\nWho is going to govern these agencies?\n\nBy 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.\n\nXXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\nIncorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect DOB -XX/XX/XXXX- 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Address - XXXX XXXX, XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nPlease update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.\n\nXXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.\n\nBankruptcy - XXXX - 15 U.S. Code 1681g - Disclosures to consumers ( 2 ) The sources of the information except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed - This account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account.\n\nXXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\n\nXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\n\nXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\n\nXXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\n\nIncorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect DOB - XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Address - XXXX XXXX XXXX, XXXX XXXX, PA, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nEMPLOYER - XXXX XXXX XXXXXXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nEMPLOYER - XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nXXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.\n\nXXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.\n\nXXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\n\nXXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.\n\nIncorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect DOB - XX/XX/XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nIncorrect Address - XXXX XXXX, XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately.\n\nXXXX XXXX, XXXX, and Equifax have violated my rights.\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 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 data is inaccurate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8519285", "source": "cfpb", "group_id": "cfpb/fe4234e495e9b0adb2c9", "variant": "clean", "length_bucket": "long", "chars": 11624, "company": "EQUIFAX, INC.", "date_received": "2024-03-11", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "fe4234e495e9b0adb2c9ce0e9a5775b05b47c3303f245a5d633d516005a77cfb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "There is an illegal, fraudulent and willfully oppressive sale of property scheduled for my home at XXXX XXXX XXXX in XXXX California on XX/XX/XXXX. Bayview Loan Servicing lacks the contractual authority under the Deed of Trust and the statutory authority under Civil Code 2924 to conduct a nonjudicial foreclosure sale.\n\nBayview is obligated not to foreclose absent certain conditions precedent as stated in Section 22 of the Deed of Trust and Bayview breached that obligation by initiating a foreclosure sale although the conditions precedent were absent. The alleged default exists only by virtue of misconduct on the part of Bayview and XXXX XXXX XXXX and their own breach of its terms. ( See Civ. Code, 1511, ( 1 ) [ performance excused when such performance is prevented or delayed by the act of the creditor ]. ) Their actions do not conform sufficiently with the DOT as to allow Bayview to invoke the power of sale.\n\nUnder California contract law, \" hindrance of the other party 's performance operates to excuse that party 's nonperformance. '' ( Erich v. Granoff ( 1980 ) 109 Cal.App.3d 920, 93 ; \" A foreclosure sale in which performance has been prevented could be considered illegal and even willfully oppressive, Citrus El Dorado , LLC v. Stearns Bank NA , No. E067610 ( Cal. Ct. App. Apr. 11, 2019 ). This supported an action for wrongful foreclosure.\n\nAn obligor may not prevent the performance of an obligee and then demand a tender of performance that the obligor itself frustrated. See Cal. Civ. Code 1511-12 ; Harris v. Wells Fargo Bank, N.A., Case No. 12-cv-05629-JST ( N.D. Cal. Apr. 30, 2013 ) ; \" By force of the provisions of section 1511 of the Civil Code, prevention by one party will excuse want of performance or delay on the part of the other. '' ( 6 Cal.Jur., p. 436, sec . 261. ) 1 \" A party to a contract can not take advantage of his own act or omission to escape liability therefrom, and performance of a contract is excused when prevented by the acts of the opposite party, or is rendered impossible by him. '' ( Ray Thomas, Inc., v. Cowan, 99 Cal.App. 140 [ 277 P. 1086 ]. ) Taylor v. Sapritch, 38 Cal. App. 2d 478, 101 P.2d 539 ( Ct. App. 1940. ) The sale is fraudulent as the \" default '' was induced by XXXX 's as part of a scheme to increase profitability at the homeowner 's expense by offering improved loan terms if payments were skipped then refusing payments and initiating foreclosure. The homeowner is kept in default as long as possible while they earn special servicing fees and allow payments to accrue at the note rate. Bayview can then either modify and add the arrears to the principal and earn interest on interest. Or they may choose to foreclose despite having induced default and being themselves the party in breach.\n\nThis is only the latest in the systematic pattern of unlawful conduct that began with a predatory loan that was procedurally and substantively unconscionable with deception at origination and monthly payments in excess of my income. As a result, I ended up in Chapter XXXX where the payments were 89 % of my income not including overcharged escrow.\n\nThroughout the life of the loan XXXX and Bayview have exploited their position of authority and control by deceptive and fraudulent means in an effort to benefit at my expense.This is a willfully oppressive abuse of power.\n\nThe disparity of economics requires a homeowner to either accept the loss of their home or divert funds that could have made loan payments into a Quixotic effort in the legal system against an opponent with comparatively limitless resources.\n\nIt is outrageous for financial institutions to deliberately harm consumers for profit. It is foreseeable that homeowners subjected to these practices, having their homes wrongfully taken from then will experience extreme emotional distress. Prolonged states of XXXX XXXX, it is well known, can lead to physical ailments. After years of fighting for my home I've suffered a XXXX related XXXX injury that impedes my XXXX XXXX XXXX and appears to be a XXXX condition. Mobility seems a high price but one I've been willing to pay to keep my home. If the sale goes through I'll have neither.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3392495", "source": "cfpb", "group_id": "cfpb/9680fba39e8484d43ef6", "variant": "clean", "length_bucket": "long", "chars": 4187, "company": "Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)", "date_received": "2019-10-01", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "9680fba39e8484d43ef62e13ec23fd82fe4e7edcf9e4da6450aaaafc06f61148", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have copied and pasted this information from my email conversation that MOHELA already has in their database : Account number is XXXX Thank you, XXXX.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing docume [ EXTERNAL ] : XXXX The credit card portion I. Will get back to you within the week because I switch banks during that period ...\n\nThank you Sent from XXXX XXXX on XXXX On Tue, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : In addition, were you able to obtain any credit card/ bank statements showing your payments made to XXXX? I am working on getting these payments reimbursed to you, however, management is requesting statements directly from the credit card company. The payments from the ledger you provided are listed here : Registration Fee {$25.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Tuition payment ( XXXX University {$120.00} credit yes XX/XX/XXXX Thank you.\n\nBest Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents Thank you for sending these, XXXX.\n\nAs for your GI Bill, our agency will send a reimbursement check for the amount that was used for your tuition at XXXX. From the ledger you provided, the amount came out to around {$14000.00}. We have no control over any reinstatement of your GI benefit. The best place to find out is to ask the VA representative if they will reinstate the benefit if the previous benefit was reimbursed.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Fw : XXXX university student/URGENT MESSAGE missing documents Inline image Hello and good morning.\n\nI have done my homework with the student loan department, and uploaded the following documents including the written and signed off letter \" request in writing a payoff amount for XX/XX/XXXX '' into their web site.\n\nI also included a screen shot of the confirmation.\n\nI also included your point of contact and some emails regarding the payment plan of this loan.\n\nTo my dismay, the student loan web site block any email contact to reach them, and only allow them selves to be reached by phone, or fax.\n\nLook forward to your email reply to move on with the payment process.\n\nFurther more, will I expect the G.I. Bill reinstatement?\n\nV/R, XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX, XXXX @ XXXX XXXX To : XXXX XXXX Sent : Monday, XX/XX/XXXX, XXXX XXXX PDT Subject : RE : XXXX university student/URGENT MESSAGE missing documents Thank you, XXXX.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents [ EXTERNAL ] : XXXX Thank you ... will have this amount in the letter by this week Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Thank you for contacting them. All that I need is the total amount that will be due so that the check we send would be sufficient enough to close the account. If there are any other outstanding loan servicers that you obtained loans from, I would need the same documents from them as well.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents [ EXTERNAL ] : XXXX Hello.\n\nThank you for the follow up ...\n\nI called the student loan department mohela.\n\nThey can send me a letter or can be downloaded from their web site. However the loan will be in default by that time per their statement.\n\nFor clarification on the letter, is there any other information I should include in the document.\n\nV/R, XXXX XXXX XXXX XXXX Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Hello XXXX, I am currently calculating your loan amount to be paid off. Will you please contact Mohela and request in writing a payoff amount for XX/XX/XXXX. We want to confirm that the amount of the check will cover all principal and interest by the time it is sent to them. Once you receive the statement, please forward it to me. Thank you!\n\nBest Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing docume [ EXTERNAL ] : XXXX The amount is correct.\n\nI have not been able to meet their demands.\n\nAll per verbal statements on the phone they explain that making partial payments would still reflect negatively on my record and to my credit.\n\nVery unwilling to lower the price despite the financial hardship.\n\nSent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Hello XXXX, I am currently calculating and sorting all the payments that were made from your loans, grants, and VA benefits. According to the student statement you provided, here is the breakdown : CC - {$1500.00} VA Benefit - {$14000.00} Loans - {$30000.00} Pell Grant - {$5700.00} Please confirm these amounts as well. We also request the you provide any receipts of payment towards the loans or the institution as well as provide back up documentation such as bank/ credit card statements verifying these payments.\n\nWe always encourage all students to keep up with their loan payments if they are able. Restoring your credit may take a long time.\n\nThank you.\n\nBest Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX university student/URGENT MESSAGE missing documents [ EXTERNAL ] : XXXX Hello and Good day ; Just following up on case number XXXX ...\n\nThe student loan department has been going through their process of payment not fully received and hurting my credit score which will reflect on my security clearance for the job I hold in the XXXX XXXX ... and become undeployable thus be discharged or discipline for the incident ...\n\nI'm seeking to resolve this before end of this year.\n\nPlease reply back to update status.\n\nThank you and V/R, XXXX XXXX XXXX Sent from XXXX XXXX on XXXX On Thu, XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Hello and good day.\n\nI spoke to Mrs XXXX XXXX just to follow up with status of the case number XXXX.\n\nI have included a screen shot of my mohela student loan amount and other details so to include it in the document files.\n\nI look forward to your reply.\n\ncid : XXXX Sent from XXXX XXXX on XXXX On Mon, XX/XX/XXXX at XXXX XXXX, XXXX, XXXX @ XXXX XXXX wrote : Hello XXXX, Management has requested for me to provide with an update on your claim. At the moment, the military leave documents you provided are in the verification process. We aim to have this process completed by the end of this week. I will reach out to you with an update at that time. Thank you again for your patience.\n\nBest Regards, XXXX XXXX XXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX @ XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX , XXXX @ XXXX XXXX Subject : RE : XXXX university student ... missing documents XXXX, Our management team is currently seeking a method to approve your claim. Please allow us time to do so.\n\nAs of now, your last date of attendance was XX/XX/XXXX the school closed XX/XX/XXXX you were not in attendance at the time of school closure which makes you ineligible for STRF reimbursement. Our office is aware you were on military leave therefore ; we attempting to find a way to approve your claim.\n\nSTRF regulations state the student must be an active student at the time of school closure or enroll within 120 days of school closure to receive STRF reimbursement.\n\nOnce again, we are reviewing your claim please allow us additional time to seek an approval method.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX 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 Subject : Fw : XXXX university student ... missing documents [ EXTERNAL ] : XXXX Hello ...\n\nI have not received a reply from you about the claim number = XXXX ... I have submitted documents to update the process ...\n\nI'm very skeptical it takes 1-2 years to review documentation ...\n\nAs explained before ...\n\nStudent loans still want their money from ripped off students as you are well aware of these events ...\n\nPlease reply back of this approval process ... and dont let students like myself hanging -- -- - Forwarded Message -- -- - From : XXXX, XXXX @ XXXX XXXX To : XXXX XXXX XXXX XXXX : Tuesday, XX/XX/XXXX, XXXX XXXX PDT Subject : RE : XXXX university student ... missing documents Will you please send me the information.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX Subject : Re : XXXX university student ... missing documents [ EXTERNAL ] : XXXX Its included in the email sent to mrs XXXX, mr XXXX XXXX, and mrs XXXX ...\n\nOn Tuesday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX @ XXXX XXXX wrote : XXXX XXXX Your last email stated your last date of attendance was XX/XX/XXXX due to military leave. Can you provide proof of military leave?\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX Subject : Re : XXXX university student ... missing documents [ EXTERNAL ] : XXXX XXXX mrs XXXX XXXX XXXX\n\nFollowing up on the STFR application status for approval.\n\nXXXX XXXX Case number : XXXX XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX @ XXXX XXXX wrote : XXXX , I received a voice message from you in regards to your STRF claim. Your claim is in the review process. Our office will contact you if further information is needed.\n\nXXXX XXXX XXXX STRF Analyst Office of Student Assistance and Relief Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX @ XXXX XXXX ; XXXX, XXXX @ XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Re : XXXX university student ... missing documents Good afternoon , This is XXXX XXXX.\n\ncase number=XXXX Recalling the conversation during this morning around XXXX ... ish.\n\n1. ) I have attached the missing documents that will assist in the application process for your department.\n\nI included 11 documents total which explains the time sequence I attended school and events that took place.\n\n2. ) The first four are named \" image 1-4 ''. This time frame covers the school attendance for last quarter of XXXX.\n\nIt's an email print out conversation I had with the school counselors that used to work there regarding the last course I needed to graduate. I dropped the course because of paternity leave ( new born on XX/XX/XXXX XXXX during military duty, and it explains that I would be on \" SAP '' student academic probation program for dropping the course \" W '' or failing grade \" F ''.\n\n3. ) The 5th document \" Reinstatement '' application for the \" SAP '' was completed, but not attached on this email ( still looking for it ), but this is what it looked like empty.\n\n4. ) On the \" Loan discharge document '' the transcripts are included starting on page ( XXXX ).\n\n5. ) the last 5 pages are all military leave orders for XXXX highlighted in yellow on the second page of each attachment : 1st set I was gone on XXXX XXXX set I in processed back on XXXX XXXX set returned to duty on XXXX 4th set I left the states and came back XXXX 5th set I reinstated on XXXX.\n\nHence, please note that during my military leave I was never informed that the school was shutting down. It was only until I saw the news a week before at home on my daily morning routine that I found out about the school closure.\n\nI look forward to your reply, and thank you too much for reaching out to me this morning.\n\nV/R & SINCERELY, XXXX XXXX XXXX XXXX XXXX On Friday, XX/XX/XXXX, XXXX XXXX PDT, XXXX, XXXX @ XXXX XXXX wrote : Hi XXXX, I hope you received the voicemail I left for you.\n\nI do have a few follow-up questions regarding your below email. When you reached out to the U.S. Department of Education ( USDOE ), did you specifically request a loan discharge due to the schools impending closure? With a discharge, your loan is cancelled so Im confused as to why they referenced affordable payments. If you arent eligible to have your loans discharged, we will need written confirmation from the USDOE to process your STRF application if you request to be reimbursed for your federal student loans taken out for XXXX.\n\nAlso, depending on your overall eligibility for the Student Tuition Recovery Fund ( STRF ), we may be able to help you receive educational credits ( to help fund your education at another school ) for your GI Bill benefits if you used them while at XXXX. Please have the Department of Veterans Affairs send you a letter, confirming whether you are eligible to have your GI Bill benefits reinstated/reset.\n\nAgain, if you indeed arent eligible to have your G.I. Bill benefits reset or your federal loans discharged, we will need that proof in writing if you apply for STRF reimbursement.\n\nFeel free to give me a call if you have any further questions or would like my staff to conference call with the USDOE or Department of Veterans Affairs. Unfortunately, we can not reach out to either department on your behalf without formal, written authorization.\n\nThank you.\n\n_______________________________________________________________________________ XXXX XXXX XXXX Manager Office of Student Assistance and Relief Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX @ XXXX XXXX Subject : XXXX university student Hello, I'm XXXX XXXX XXXX student at XXXX university in XXXX XXXX, ca XXXX .\n\nMy student ID was XXXX.\n\nC:XXXX I was in your meeting this Monday XX/XX/XXXX at noon regarding school closing.\n\nI was the only Male with XXXX kids with me in the room.\n\nI spoke by phone with my federal student lender mohela to apply for student loan discharge.\n\nThey said I would not qualify for it because of payments I could not afford.\n\nFurthermore, the loss of credits when transferring will be the same or worse investment because less than 60 % will be accented ; thus sinking me more in debt.\n\nIn addition, I was on military duty every time I tried to return to finish my last class as an XXXX XXXX XXXX. ( Prior XXXX ) I need your help to get this approved.\n\nTheir phone number is XXXX.\n\nAccount number = XXXX.\n\nHence, my VA GIBIL was depleted in that school.\n\nI can attach any documents in the next email for your review.\n\nSent from XXXX XXXX on XXXX Show less", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3383776", "source": "cfpb", "group_id": "cfpb/05e7c90d9d3561a72bc6", "variant": "clean", "length_bucket": "long", "chars": 16876, "company": "MOHELA", "date_received": "2019-09-23", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Keep getting calls about your loan", "text_sha256": "05e7c90d9d3561a72bc6f457eb9f088968f2fbce9998f1ce225bf580fe647ec3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX/Shell Point Mortgage acquired my mortgage from capital one. I'm currently below 80 % loan to value, meaning PMI should be removed from my loan. XXXX XXXX told me that my loan needed to be below 75 % LVT, which it is not, to remove PMI even though I have original loan docs stating 80 % LTV was the threshold. Once XXXX XXXX admitted they were wrong, an appraisal was ordered. When the appraiser called the fee was {$650.00}, which is more than double the going rate according to 9 different appraisers I contacted. on XX/XX/2018 XXXX XXXX wrote me another letter stating that in compliance with the Homeowners Protection Act, they would order a Brokers opinion of value, which would cost much less ( aprox {$300.00} ). On XX/XX/XXXX I was contacted by another appraisal company wanting to charge me {$540.00} for a full appraisal, which is not what was supposed to be ordered. I called XXXX XXXX and spoke with XXXX XXXX and was told, under the advice of her supervisor XXXX XXXX, that a full appraisal is required, no exceptions. Once I informed them of the letter I received in XX/XX/18, the story changed. I was then told at aprox. XXXX CST that a person from the PMI department named XXXX , who supposedly issued the XX/XX/18 letter, would be contacting me within one half hour. It is now XXXX CST and I have received no such call back.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2979268", "source": "cfpb", "group_id": "cfpb/bc3904fd4753e5d549b1", "variant": "clean", "length_bucket": "medium", "chars": 1356, "company": "Shellpoint Partners, LLC", "date_received": "2018-08-01", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "bc3904fd4753e5d549b10ab36b76297a74c10682c84f3055b36bbae40e000b24", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX To whom it may concern, In XXXX of XXXX, my spouse ( deceased on XX/XX/XXXX ) received a letter from Wells Fargo informing him that he had been turned down for a {$5000.00} Line of Credit. This application was apparently then backdated and added me as the primary borrower with him listed as secondary. That application was subsequently approved. I have/had no knowledge of participating in this process and did not attend any closing or other meeting on this issue. I also found a notation in his writing on one letter authorizing auto-deduction from my personal checking account.\nFollowing my husbands death in XX/XX/XXXX, I had to take over handling bill payment for the first time and to begin work on identifying accounts that I had no previous knowledge of. It took me a little time to gather what information I could and to pursue gaining closure on those accounts. I contacted Wells Fargo in XXXX of XXXX asking how I became listed on this Line of Credit account and also who had authorized auto-deduction from my personal checking account. I was told that I was listed as the primary borrower and that my spouse had authorized auto deductions. I explained at that time that I had no knowledge of the account and that I had not approved it. I was informed that since I was primary, it was my responsibility. They did agree to discontinue auto deductions and to begin billing me.\nI was referred to a different customer service department to further explore the account information. A Mr. XXXX XXXX was the assigned representative. I asked to have a copy of the application signature page sent to me so that I could verify my signature. I also asked how it was possible that a Line of Credit for {$5000.00} now had a ceiling of {$15000.00}. No information was offered. XXXX XXXX informed me that they had no copy of the application signature page available, nor proof that I was in the office, but that since I was listed as primary the debt was my responsibility. He further stated that the fact transfers had been made and payments had been made that also indicated it was my responsibility. I told him that of course I had made payments as I didnt want my credit impacted while attempting to sort this out. I asked him to look at the records because there was never any transfer made to my account and provided him with the number. It took several weeks to get this information which was of no significance. He refused to speak with me further, saying he had explained all he was going to. I spoke with an attorney to ask how to proceed with the lack of information and the poor communication. She contacted the department on my behalf, was given a new case number and a representative named XXXX on XXXX. She advised me to give this person a call to introduce myself and to see what further information could be provided. I did so. XXXX was pleasant and told me that it could take up to 10 business days to get the information and to get back to me. When she did contact me on XX/XX/XXXX, the information was basically the same : They had not located the signature page but there was a letter mailed from the branch. She maintained that there was enough research to say that both my husband and I were responsible. I was then referred to the hardship department.\nI passed this information via summary to my attorney and asked what next steps I should take. She recommended that I get in touch with the hardship department and inform them that since apparently the bank can not provide : 1. That I applied for or signed for the loan, either in person or on paper 2. That I ever requested the loan increase 3. That I personally ever received any funds from this account 4. That I ever authorized auto payments from my personal account I should ask the hardship department to confirm in writing that my name would be removed from the loan.\n\nI contacted XXXX on the hardship team and he referred me to an XXXX on the hardship team. I conveyed the above information as stated. He informed me that I needed to speak with the Executive Team regarding the situation and connected me by conference call to XXXX on that team. I spoke with XXXX for a few minutes and reiterated the entire experience, and he nicely let me know that I had been connected to the right people as the Executive Team was the only level that would be authorized to make changes as they were the final level of investigation. He then gave me the name of a XXXX XXXX, XXXX XXXX, along with her direct dial number and yet another case number. On XX/XX/XXXX I was told that XXXX XXXX would contact me within 10 business days. I heard nothing from her, so on XX/XX/XXXX, I called and had to leave a message as she was out until XX/XX/XXXX. Again, I heard nothing so I called on XX/XX/XXXX and again left a message.\n\nWhen I had a conversation with XXXX XXXX on XX/XX/XXXX, she informed me that per the letter she had sent, a Wells Fargo Card and a NOTR had been used as my ID. I told her that was interesting as Id never had a Wells Fargo Credit Card, she quickly said well it could have been a debit card. I then asked her what a NOTR was, since I had no idea. She told me she didnt know what that was. On the form that was included with the letter ( received the same day as the phone call ), it said no drivers license was provided. Again, I asked her how that could be since I use my drivers license as my ID all the time, and would never be without it. She couldnt answer that either, but said that the form didnt allow her to add any information (? ). Her bottom line was that theres nothing they can do because the evidence points to me being responsible. Again, what evidence?\n\nShe advised me to speak with the Hardship Team to discuss lowering the monthly payment. I did place a call to them but it was never returned.\n\nI dont believe this account is my responsibility. I have absolutely no recollection of any meeting or closing appointment. They can not offer any signature proof or any proof that I was ever in the office for this application. They can not or chose not to explain how a {$5000.00} credit limit was raised to a {$15000.00} limit while my deceased spouse was handling financial arrangements. They can not demonstrate that I benefited in any way from this account by virtue of the fact there is no record of any transfer or cash advancement ever made to my personal checking account. You will also note that on the form provided by XXXX XXXX, my spouse is shown as employed at the time when in reality he had been retired for several years. Nothing about this situation is accurate or my responsibility.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3322282", "source": "cfpb", "group_id": "cfpb/5e0d2cab8d51e2210510", "variant": "clean", "length_bucket": "long", "chars": 6618, "company": "WELLS FARGO & COMPANY", "date_received": "2019-07-29", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Credit limit changed", "sub_issue_raw": "", "text_sha256": "5e0d2cab8d51e22105103b19a9fc150279bec1f0d5d4ca2129204f65b64db37b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "So recently I had numerous of charges that were on my credit card that were fraudulent. I went ahead and made a dispute with my bank in order to have this rectified, and I was told that they were proceeding with the claim and they would do an investigation after doing my claim couple months later, I get a letter from Chase credit card indicating theyre going to go ahead and close out my account due to this fraud claim that I have submitted Im confused why they give you an option to file a fraud claim when someone is using your account without your knowledge, Ive been trying to do everything in my power to have this fixed with Chase credit card And they failed to do so they are just giving me the runaround and not trying to have this fixed or reinstate my account. This is stressful and an inconvenience for me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9899753", "source": "cfpb", "group_id": "cfpb/c4650816e64ad2c39890", "variant": "clean", "length_bucket": "short", "chars": 820, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-08-23", "product_raw": "Credit card", "issue_raw": "Trouble using your card", "sub_issue_raw": "Can't use card to make purchases", "text_sha256": "c4650816e64ad2c3989088fd87904cc826a3445eddde7043e1d007e7fc64f883", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chime has suspended my account and requested documents from me to unsuspend my account and have not been responding after I sunbmitted the documents required, I have been trying to get access to my account for XXXX months, now Im homeless with XXXX children because I cant access my funds that are in my savings account, they keep saying someone will review or theyll escalate the matter and it never gets resolved, I have over XXXX locked inside of the account and its urgent I can have it removed to another bank or something please help me", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6559237", "source": "cfpb", "group_id": "cfpb/29f158b60763697d7f16", "variant": "clean", "length_bucket": "short", "chars": 544, "company": "Chime Financial Inc", "date_received": "2023-02-12", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem accessing account", "text_sha256": "29f158b60763697d7f16bc6c0110ef55302e82bf557bab173687d631a1e9b69a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have an auto loan with Santander USA and currently waiting for a total loss insurance check to be applied to my account in the amount of {$10000.00}. Since the origination of the loan in XX/XX/XXXX I have never had a missed or late payment. My last statement from Santander USA dated XX/XX/XXXX listed the total amount outstanding as {$13000.00}, the status of my account was current, {$0.00} past due.\n\nOn inquiring via the Santander website XXXX if the insurance check had been applied to my account I instantly noted that my account shows past due in the amount of {$1200.00} which includes late and interest charges and shows the last payment being received/posted to my account on XX/XX/XXXX, XXXX. My Account transaction history clearly shows payments of {$440.00} made and posted on XXXX and XX/XX/XXXX. The transaction history also shows 2 seperate transactions dated XX/XX/XXXX removing/reversing 2 payments of {$440.00} and the balance owed on my account as of XXXX is {$13000.00} Santander USA 's explanation is that both payments have been removed so that the insurance check can be backdated to XX/XX/XXXX ( date of total loss ) and the payments will be reapplied. I have never heard of an accounting practice that would require payments physically posted to an account to be removed to retroactively apply {$10000.00} insurance check. This action has effectively places my account into a delinquent status until some future date when Santander USA decides to post the insurance check. Addtionally, Satanders action falsely records my account as delinquent and I am truely concerned this will have a derogatory impact on my credit status with credit bureaus. I strongly believe this action is unethical at best and fraudlent at worst. I can only see the reasoning to remove posted payments to manipulate the true balance of my account for Santander to charge the maximum interest it can recover.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4409270", "source": "cfpb", "group_id": "cfpb/b50c12d80c08ce1fa993", "variant": "clean", "length_bucket": "medium", "chars": 1911, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2021-05-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "b50c12d80c08ce1fa99309b8a71e1507c95b07a714c2ac8d89a289b661d640b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is my second complaint about Southwest Credit. I received two letters from Southwest Credit today. Both letters are dated XX/XX/XXXX. Both letters state SWC is attempting to collect a debt for XXXX XXXX and include billing statements from XXXX. Since my first complaint has been closed, I'm going to have to include what the SWC employee wrote in response to my first complaint : the XXXX XXXX account for which SWC is attempting to collect the debt went delinquent in XX/XX/XXXX and was passed to SWC to collect the debt on XX/XX/XXXX. The first XXXX XXXX letter I received a week ago has the street address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX, XXXX, and a XXXX, TX XXXX XXXX XXXX I was supposed to send payment to. The 2 letters I received today don't have the SWC address, only have a XXXX XXXX XXXX in XXXX, TX I'm supposed to send payment to. Though all 3 XXXX XXXX XXXX are in XXXX, TX, the XXXX XXXX number in the first SWC letter I received last week is different than the XXXX XXXX XXXX in both letters I received today. The phone number in the first letter I received last week is XXXX. The phone number I received in the two letters I received today is XXXX. The first letter I received last week had only an account summary stating XXXX XXXX was the current creditor, the same {$78.00} equipment cost as the two letters I received today, but a different balance than the 2 letters I received today. The total amount in all 3 letters SWC is attempting to collect is the same in all 3 letters : {$190.00}. The one-page letter from Southwest Credit in both letters I received today contain the same XXXX XXXX Client Account Number, Southwest Credit Reference Number , Placement Date, Charge Off Amount, Total Adjustments made since Charge Off, Equipment/Client Admin Fee and Collection Fee, Total Payments received since Charge Off, and Current Balance. However, the XXXX billing statements in each letter I received today have different XXXX XXXX Client Account Numbers, Security Codes, names on the billing statements, addresses, dates of service, and a breakdown of amounts due and other charges. In total, there are 3 billing statements : 2 billing statements in one letter and 1 billing statement in the other, but only one billing statement states the service provided by XXXX was for internet service. Neither letter contains a NY Department of Consumer Affairs Account XXXX, a name of a SWC employee, or a XXXX email print-out of when I supposedly opened the account at either street address. I'm going to upload both letters, but I'm also going to write what each billing statement reads. SWC also hasn't emailed me after I emailed them on their website on XX/XX/XXXX.\n\nThe letter with the XXXX billing statements with an XXXX XXXX XXXX address has my name on it, and includes 2 billing statements. The first billing statement is dated XX/XX/XXXX, service from XXXX, previous balance : {$200.00}, payments recieved : XXXX, adjustments : XXXX, past due balance due now : XXXX, one-time charges, XXXX, partial month charges : XXXX, taxes, fees, and charges : XXXX, current charges : XXXX, total due : XXXX. The 2nd billing statement is dated XX/XX/XXXX, service from XXXX, previous balance : {$120.00}, payments received : XXXX, past due balance due now : XXXX, XXXX XXXX : XXXX, one-time charges : XXXX, taxes, fees and charges : XXXX, current charges due by XX/XX/XXXX : XXXX, and total amount due : XXXX. Note that the billing cycles overlap : two separate XXXX bills, but the first billing statement is dated XX/XX/XXXX for service from XXXX and the second billing statement is dated XX/XX/XXXX for service from XXXX. Going by the billing statements SWC mailed me, not only did XXXX attempt to charge me twice from XXXX, there was no specified service for which they charged me.\n\nThe letter with the XXXX bill addressed to XXXX XXXX has a XXXX XXXX address on it and 1 billing statement. The billing statement is dated XX/XX/XXXX, service from XXXX, previous balance : {$130.00}, payments received : XXXX, adjustments : XXXX, past due balance due now : XXXX, past due balance due by XX/XX/XXXX : XXXX, and total amount due : XXXX. Remember that the Southwest Credit employee clearly stated in their response to my first complaint that XXXX XXXX not only placed the debt with SWC on XX/XX/XXXX, but also claimed that XXXX XXXX said the debt was valid a few days ago. Also remember each of the 3 letters mailed to me by SWC clearly states that the placement date was XX/XX/XXXX. XXXX is attempting to make me pay for a debt for a different person XXXX provided internet service to at a different address. No utility company is going to give a debt collection agency billing statements for 2 different people living at different addresses. No utility company is going to give a debt collection agency one person 's account number for a different person, a fact SWC is well aware of because the billing statements included in both letters have different XXXX account numbers, security codes, and dates of service. I find it impossible to believe 2 different people living at different addresses have not only the same total debt amount, {$190.00}, but also for unreturned equipment and outstanding balance owed to XXXX XXXX.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/5020269", "source": "cfpb", "group_id": "cfpb/80a6de17338742d7036a", "variant": "clean", "length_bucket": "long", "chars": 5252, "company": "Southwest Credit Systems, L.P.", "date_received": "2021-12-17", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "80a6de17338742d7036aad90eddcfe92aab90eadf959d2059137430d5db16760", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am 7 days late paying my car loan. A vehicle I 've had for over a year and never made a late payment on since I obtained the vehicle. I had numerous conversations via phone, text and email explaining to Prestige Financial that I would be paying my loan on XX/XX/XXXX they offered a payment arrangement in which I was unable to take and I informed them again that I would be making this payment first thing on XX/XX/XXXX when I got paid. I went thru this with them everyday about 3 or 4 times a day for 5 days straight. I even at one point asked about their grace period and they said well yes there is one but that only pertains to the late fee we add if you are more than 10 days late ( is n't this all the same thing ). At one point a gentleman with the company informed me that they were closing there books on XX/XX/XXXX and they have standards to meet as a company. Which I understand because I used to be a debt collector myself we had percentages and standards we had to meet each month as well. But, were also trained that if someone is within a grace period and they say they are going to make their payment before that grace period is up that we do n't continually harass customers with phone calls and we definitely do n't call the customers work after we 've had numerous conversations w that customer and they 've stated when they would be making their payment. We also never threatened them with management, ruining their credit or other offensive things which is exactly what these people did with me. They called my husband 's work and when we asked them not to do this and when I told them that I had numerous conversations with them explaining when I would make the payment I was told that this did n't matter and they could legally call who they want because we signed a legal contract. I was threatened with management which would further their collections w me, I was threatened with this ruining my credit and I was harassed non stop for days with phone calls, texts and emails. Furthermore, the day they called my husband 's work was 1 day before I had scheduled to make my payment with them. I have seen numerous complaints on this company for the same things I 've listed here something needs to be done.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2656201", "source": "cfpb", "group_id": "cfpb/4bdba65122fec560e319", "variant": "clean", "length_bucket": "medium", "chars": 2232, "company": "PRESTIGE FINANCIAL SERVICES INC", "date_received": "2017-09-01", "product_raw": "Debt collection", "issue_raw": "Threatened to contact someone or share information improperly", "sub_issue_raw": "Contacted your employer", "text_sha256": "4bdba65122fec560e3193580a8fccc590c87da56efab351ef6499730221116a4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX XXXX complaint XXXX was sent from CFPB against PayPal. In a matter to violate my civil rights and retaliate PayPal sent an email to me on Fri, XX/XX/XXXX at XXXX XXXX STATING BELOW : You can no longer use our services Because you have continually filed cases that do not align with the intent of the PayPal Purchase Protection Program and are contrary to the terms outlined in our User Agreement, weve determined you can no longer use PayPals services. Weve limited your account so you can no longer send or receive funds. Your ability to file PayPal Purchase Protection cases has also been removed. Any existing PayPal Purchase Protection cases you've filed will be denied.\nFor information on account limitations, please refer to the PayPal User Agreement. To find out what to do next, log in to your PayPal account and visit the Resolution Center.\n\nAt Fri, XX/XX/XXXX at XXXX XXXX- PayPal sent a duplicate message as stated above and Fri, XX/XX/XXXX at XXXX XXXX -- PayPal sent me another message regarding the complaint I filed with CFPB on Dispute Case ID : XXXX for {$38.00} stating : We have received a response from the merchant and we've also reviewed all the details of your case. Based on the merchants response and the information we have to date, we have to deny your case. This decision was made because our records show that the item or service associated with this transaction was delivered to you.\n\nTransaction Information : Dispute Case ID : XXXX Transaction Amount : {$38.00} USD Dispute Amount : {$38.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/XXXX PAYPAL will has abused their powers! I have called the resolution ( limitation ) department only to be told. \" Your disputes are costing us money with the merchants and we have cant make money like this with the dispute and charge backs from customers. At PAYPAL, customers don't pay a fee but the merchants do as stated in the review. Per XXXX XXXX from XXXX XXXX at XXXX review after 177 complaints was filed on PayPal-writes, \" PayPal Transaction Fees Regardless of which plan you are on ( Standard or Pro ), your transactions fees will be as follows : For all online sales, you pay 2.9 % + {$0.00} per transaction.\nFor all swiped/dipped/tapped mobile and in-store transactions, you pay 2.7 %.\nFor all keyed-in mobile and in-store transactions, you pay 3.5 % + {$0.00}.\nFor virtual terminal transactions, you pay 3.1 % + {$0.00} per transaction.\nFor mass payouts, youll pay 2 % using the online form, or {$0.00} per payout using the API.\nIts also worth noting a few other charges apply to transactions as well : For any chargebacks, PayPal assesses a {$20.00} fee.\nAny transactions that originate from outside the US incur a 1.5 % cross-border fee.\nWhen you issue a refund, PayPal charges a small refund fee, equal to the per-transaction fee amount. For online transactions, that means PayPal charges {$0.00} for refunds ; for keyed transactions, it would be {$0.00}.\nIf you initiate an instant transfer, PayPal will charge you 1 % of the transfer amount.\nAlternative Payment Processing Rates While PayPals payment processing costs are very predictable, theyre not suitable for every type of business. You cant negotiate with PayPal for a different rate unless you are essentially a very large corporation, but you can take advantage of a couple of alternative rate offerings : PayPals microtransactions plan and nonprofit discounts.\nMicropayments Rate : 5 % + {$0.00} PayPals micropayments plan is open to all merchants, but it only benefits you if the vast majority of your transactions are under {$10.00}. PayPal wont automatically switch between the two rates based on transaction size, so if you opt for the micropayments plan, you really need to make sure its the best option based on your individual processing history. Generally speaking, if you sell digital goods online ( single songs or digital albums, or other low-value items ), this is the plan you should look for.\nIn addition, qualified 501 ( c ) ( 3 ) organizations who go through the verification process are eligible for a discount for online transactions : Nonprofit Discount Rate : 2.2 % + {$0.00} Sadly, PayPal doesnt offer a discounted rate for in-person transactions processed through its mPOS or a partner POS system, so the discounted rate would apply only to online sales or donations. However, keep in mind that some software providers also offer nonprofit discounts, so if youve integrated PayPal with accounting software, a POS app, or another third party, you should also check whether that company offers a discount.\nPayPal Monthly Fees Remember, there are two options for accepting PayPal on your site that charge nothing beyond transaction fees : PayPal Checkout and PayPal Payments Standard. Both allow you to accept payments on your website but will redirect to the PayPal site to complete the transaction. If you prefer to keep customers on your own page, or if youd like a virtual terminal to take payments over the phone, youll need PayPal Payments Pro : Paypal Payments Pro : {$30.00} per month The biggest advantage, as I said, is that the Pro account lets you keep customers on your page to finish the checkout process. You can completely design your own checkout page. In addition, Pro subscribers get access to the Virtual Terminal to accept payments by phone, mail, and fax.\nUnfortunately, PayPal Payments Pro doesnt include an option for Recurring Billing. Subscription services are hugely popular and if you want to offer them with PayPal, that will run you an extra {$10.00} per month on top of the Pro plan. If you dig a little deeper, youll also see that PayPal offers free recurring billing for users who have implemented PayPal Express Checkout, but not PayPal Standard.\nFinally, its worth noting that PayPal offers its own gateway, the PayFlow gateway, to process payments. It has a high degree of compatibility, so it works with most payment processors. So if you want to sell online but dont want to use PayPal as your primary payment processor, and your chosen processor doesnt offer a gateway, this could be an option. PayFlow supports two plans : PayFlow Link : This pay-as-you-go option costs {$0.00} per transaction, and PayPal charges nothing for setup or monthly fees. Using Link, you can embed a checkout form on your website that will redirect to the PayPal site to complete the transaction. Link also adds PayPal and PayPal Credit buttons.\nPayflow Pro : At $ XXXX/month for the Pro Plan, theres no questioning the value. You wont pay setup fees or per-transaction fees. PayPal doesnt even put a limit on the volume. With the Pro option, you get a completely customizable checkout page thats hosted on your own website, with the options to add PayPal and PayPal Credit options.\nAs I said, PayPal really has something for everyone. I dont know that I can say it has everything everyone would need, but itll definitely tick most of the boxes for most people. While PayPal still is dominating the online space, it definitely has moved beyond to encompass multiple sales channels. Being able to manage in-person and online sales from a single platform is a major point of convenience.\nSeveral cites have complaints against paypal for the same issues related to money and Poor Customer Service. In the findings, Paypal does not care about the Customers because the customers don't paypal for the transactions or for the use of the services. Paypal don't care if the company SCAMS or Fraud the Customer because it quite easy to get rid of the trouble causing customer that don't contribute to the revenue of the company. In comparison with other customers that have filed complaint with CFPB, according to Customer Affairs a total of 2,316 complaints was filed against PayPal has abused their powers in a matter that was very unprofessional by not responding to demands of customer getting their money back to setting limitations on their account so, customer can never use their service again. SEE ATTACHMENTS. IT appears that Paypal allows merchants to take money from Customers then, when fraud it detected by your bank or self awareness PayPal will not protect you as Mission statement indicates. NO CUSTOMER PROTECTION. Customer Protection by the show of complaints will not be given if you have PayPal Credit service or disputing directly with PayPal because, this would be a great lose to Paypal. Paypal however, threaten me also with their ATTORNEY because I filed this Complaint with the CFPB to see them in COURT ... CFPB how many customers have to lose money because of Paypals greed!. Paypal is no different then XXXX XXXX XXXX and XXXX XXXX with stealing from Customer but, Paypal just sides with the merchant. Paypal credit will not refund any money because, it a lose of revenue for paypal no matter if the money was stolen or you was Scam because, you're dealing directly with Paypal. When the merchant responds, no documents are produced to the customer and Paypal states, \" It came from your IP address which, anyone can steal in cyberspace. ''", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3117722", "source": "cfpb", "group_id": "cfpb/689d8a00a1dc7d12865c", "variant": "clean", "length_bucket": "long", "chars": 9085, "company": "Paypal Holdings, Inc", "date_received": "2019-01-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "689d8a00a1dc7d12865cc78efcc26ce0ca4eb6586ce0f2758b3bf252fc8260be", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "- I opened a new account with SoFi Bank ( https : //sofi.com/ ) on XXXX XX/XX/year> and provided all requested information.\n- I opened a Checking and Savings account with them, the Checking account included a debit card which was to be posted to my address within 7-10 business days.\n- I had full access to my account.\n- On the XXXX of XXXX {$15.00} was moved into the account to test it worked correctly. Funds were visible in the account.\n- I waited for over 10 days until around the XXXX XXXX and my card didn't arrive so I contacted customer support to request an update. They sent a second card, without any explanation of why the first card never arrived. My address never changed and was validated by the agent as being correct.\n- In my profile I can see the card delivery update, this never changed from pending- I waited around 7 days and again no card arrived, so I contacted customer support once again. The connection was lost with the agent, but a third card was ordered.\n- On the XXXX XX/XX/year> {$2000.00} was moved into the account form a third party.\n- I had full access of the account, but didn't attempt to do anything such as move funds.\n- A few days passed and I contacted customer support again to request an update, they informed my that a third card was ordered, I requested the issue to be escalated. Once it was clear that the issue wasn't going to be escalated nor the agent provided any remedy I grew suspicious of the bank and decided to close my account, I told the agent to cancel the order and I wished to close the account.\n- That same day I attempted to move my funds out of the account. The banks user interface makes it hard to move funds out, but I was able to locate the wire transfers feature. They offer funds transfer via XXXX XXXX. My other bank, XXXX was not offered via the XXXX XXXX.\n- Having no success via the transfer feature I attempted to use the 'pay a friend ' feature and move money into my Wife 's bank. This was blocked. I became very worried that my funds where stolen or locked for some reason. At this point I had XXXX trust in this bank and wanted my funds moved out ASAP.\n- I contacted customer support either on the XXXX or XXXX XXXX and requested my funds to be moved out of the account immediately by any means due to a lack of trust, no debit card being received and poor customer service. The agent was helpful and suggested a few ways to achieve this, none of them worked and the ticket was escalated and I was told the issue would be looked into urgently.\n- The agent suggested I attempt to link the account via the XXXX app as SoFi system was down. I attempted this.\n- I was contacted by SoFi via mobile on the XXXX XXXX. I missed the call but received a voice mail requesting me to contact them.\n- I logged into my account on the XXXX XXXX and noticed it was locked and I was unable to move funds out.\n- I attempted to link the account via XXXX XXXX ( another bank as I was so despite to get my money out ) and connection was rejected. I also received an email form XXXX stating the connection was unsuccessful.\n- That same day I contacted SoFi and was told that my account was frozen due to suspicious activity the agent was incredibly rude and provided no explanation as to why, nor acknowledged that I was in fact the one that originally raised this issue with them. She informed me that it would 'take some time ' to review and hung up on me.\n- I called back and requested further information, none was given nor was my issue escalated. XXXX information was given as to why this was happening.\n- I allowed 1 business day for them to investigate the issue and provide an update.\n- Today, the XXXX XXXX I called once again and was given zero explanation as to why my account was frozen. I informed them that I was going to contact the authorities as this, in my view is fraud and illegal as I'm still unable to access my funds, nor been provided with a reason as to why, nor given any estimated time it will take.\n- I'm now left with no other choice by to contact any and all authorities to help me retrieve my money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/8890535", "source": "cfpb", "group_id": "cfpb/c1f47e3f64a687ce89ab", "variant": "clean", "length_bucket": "long", "chars": 4110, "company": "SOFI TECHNOLOGIES, INC.", "date_received": "2024-04-30", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "c1f47e3f64a687ce89abf09985654f5315918b367eb4aaae6995ffb72b9d2089", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud.\n\nSUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX.\n\nI was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1985069", "source": "cfpb", "group_id": "cfpb/5fc0e66ae97c224bf5e0", "variant": "clean", "length_bucket": "short", "chars": 984, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2016-06-25", "product_raw": "Mortgage", "issue_raw": "Credit decision / Underwriting", "sub_issue_raw": "", "text_sha256": "5fc0e66ae97c224bf5e0be16cf2615ceaa4e66c38bf52cf37ea158b982ca049b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We got a XXXX XXXX XXXX from this car company in. From the very beginning we had problems with the car from the wheels coming off while driving with my family in the car to the engine and transmission going bad all within a year. After all this finally voluntarily returning the car back in XXXX XXXX. Fast forward to XXXX and my checks are being garnished and I 'm confused cause I never got the chance to explain my side to the judge in court. I believe I should have had to pay the remaining balance after all the issues with car. We were never offered another car or anything after so many deadly issues were reported and happened with the car. After setting up a payment pLan and stopping the garnishment in XXXX my wife lost her job and I became responsible for a XXXX kids, rent, car, insurance, food, and other household bills. I tried to get the payments lowered until we got back to a stable financial situation. I feel like this company knew the were selling faulty cars because after we started having problems the dealership we went to just up and closed no heads up or anything. After I explained everything to the rep about our financial hardships they declined to work with us and lower the payments so we could get back on track. We understand that we missed some paymentsort but after explain our hardships and even breaking down out bills they still were n't willing to work with us. I 've been trying to contact this lawyer of theirs since XXXX and she never answers her phone or respond to voice mails. In XXXX after calling and calling and calling and telling them I was filing a complaint because the were n't returning or answering our calls to try and resolve the situation we were finally contacted by a XXXX XXXX Who works for the finance company. When this second garnishment was started up and we went to the court house so try and fight the case we were told we do n't have to go through XXXX XXXX to set up payment we needed to their lawyer who still does not have a office or even a working answering machine for you to leave a message. As a result of all this my wife is starting to suffer from XXXX from fear of us losing our home and car. As a result of the garnishment as explained in an email we our now suffering more hardships as we are behind on out rent and because of not so good credit I have a car payment of {$610.00}, rent is {$890.00}, we have XXXX kids, insurance, food, and utilities.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "struggling_to_pay", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/2742147", "source": "cfpb", "group_id": "cfpb/6b3dd352b5fc82579550", "variant": "clean", "length_bucket": "medium", "chars": 2433, "company": "Portage Financial Services Company Inc.", "date_received": "2017-11-30", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "6b3dd352b5fc8257955038c8f4f4490061777b958efb2cbe1ae0f41e8d2f95f7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on.\nthere not telling whats going on!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2256750", "source": "cfpb", "group_id": "cfpb/406f8f359be5ec811a38", "variant": "clean", "length_bucket": "short", "chars": 309, "company": "WELLS FARGO & COMPANY", "date_received": "2016-12-19", "product_raw": "Bank account or service", "issue_raw": "Deposits and withdrawals", "sub_issue_raw": "", "text_sha256": "406f8f359be5ec811a38fe2162d849c1179ff5463196ec7c6339656bdc554219", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had an account with Wise ( formerly known as TransferWise ), a financial technology company that provides online money transfer services. As part of their services, Wise offers an interest feature that allows users to earn interest on their account balances. More information about this feature can be found here : XXXX XXXX XXXX I had accumulated {$1200.00} in my interest balance through this feature. Recently, Wise closed my account without prior notice or explanation. Upon processing the refund, they did not include my accumulated interest balance of {$1200.00}.\n\nI have made numerous attempts to resolve this issue by contacting Wise customer support through both phone and email. Unfortunately, customer support has been unable to provide any assistance. Each time I contacted them, I was told that someone would reach out to me to address the issue. However, no one has contacted me, and the problem remains unresolved.\n\nI am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to recover my interest balance of {$1200.00}, which was unjustly excluded from the refund provided by Wise.\n\nThank you for your attention to this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9398049", "source": "cfpb", "group_id": "cfpb/d21e1876960d18059a98", "variant": "clean", "length_bucket": "short", "chars": 1168, "company": "TransferWise Ltd", "date_received": "2024-07-01", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Overdraft, savings, or rewards features", "sub_issue_raw": "", "text_sha256": "d21e1876960d18059a980f8086017e8b3b670a5196aac77be51cb1a54e391a29", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Saturday, XXXX XXXX I emailed the lending institution that granted me a loan for a future cruise with XXXX XXXX XXXX XXXX XXXX. The loan was originated on XXXX online and paid above business in full for a cruise to sail on XX/XX/XXXX through XXXX, XXXX. After, horrible customer service ( agents hanging the phone up on me ) and receiving threaten emails to cancel my reservation for not having a credit card on file ( because my account was paid in full on XXXX by Uplift ). XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX offered me a full refund to be paid within 7 days. This was on XX/XX/year>. However, as of today, no such refund has been received. Also, XXXX XXXX never had a reservation in my name. I wrote the Kentucky Attorney General ( the state the business is operating in ), XXXX XXXX XXXX and Federal Trade Commission ( See attachments ). The business didn't respond to any of the inquiries and the complaints were closed. I contacted Uplift, however, you can't speak to a human and they stated I'm still obligated for the loan. My last action to try and mitigate this matter, I disputed the debt on my credit reports. I'm out of {$3600.00} + interest {$970.00}. The business has promised a refund numerous of times but no refund has been received and there was never a reservation in my name. I informed Uplift and they stated I'm still responsible for the loan even though no goods or service the loan was for was received. I'm trying to keep my credit picture in tact and I'm not working right now due to an injury and my money is greatly needed. I have a payment due on the first of every month in the amount of {$190.00}. I'm paying for a service that I never received and there was never a reservation in my name. I also tried calling XXXX XXXX, but because I booked through a third party, they instruct you to call the booking/travel organization.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10296391", "source": "cfpb", "group_id": "cfpb/557608563750369d9274", "variant": "clean", "length_bucket": "medium", "chars": 1871, "company": "Upgrade, Inc.", "date_received": "2024-09-30", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "557608563750369d92748044ce9110386b6e6698a01e4e45922911a0f1aeff54", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX I purchased solar panels and a new roof from the salesman ( XXXX XXXX of XXXX XXXX XXXX ; it was financed through Sunlight Financial. The roof was completed and solar panels installed by XX/XX/XXXX. However the payments are processed by XXXX XXXX XXXX XXXX. When I purchased the roof and solar panels XXXX explained that I could apply for a federal residential tax credit using a form XXXX. The federal tax credit or residential energy credit, would be XXXX and if I voluntarily gave that money to Sunlight Financial my monthly payments of XXXX would remain the same after the XXXX payment. However if I kept the XXXX my payment would increase to XXXX after the XXXX paymentthe following is the wording in the contract ( full contract attached ). This section of the contract is my issue : Monthly Payment : {$150.00} for the first XXXX payments, increasing to approximately {$210.00} if the 26 % voluntary payment of {$11000.00} is not paid by the XXXX payment. There are no prepayment penalties.\nHowever, when filing my taxes, form XXXX took into account all my improvements ; the new doors, roof, and solar panels. My residential energy credit was only XXXX not the XXXX strictly for the solar panels. When I first contacted Sunlight regarding my concerns with this payment of XXXX in XXXX of XXXX I was told to contact XXXX XXXX XXXX XXXX. The credit union stated that it didnt matter that I didn't receive the XXXX from the energy credit I will still have an increase in my payment if I don't pay them the XXXX by the XXXX payment. I told the XXXX XXXX XXXX XXXX representative that this XXXX seems more like a balloon payment although it is not being referred to as one. All In told me to contact Sunlight because they have nothing to do with the contract terms.\n\nI contacted Sunlight again ; per their website it directed customers to text them which I did twice in XX/XX/XXXX but did not receive a call back. I posted the following XXXX review of the company on XX/XX/XXXX : \" I contacted sunlight via text 3 times ( for some reason they don't take direct calls ) and received a generic message that someone would contact me... .a week later still no response! I am a new customer and have questions regarding my contract but clearly customer service is not a priority ; I would never recommend this company to anyone! '' On XX/XX/XXXX I received the following email from Sunlight : \" Thank you for providing your feedback and letting us know about this issue, XXXX. We set a high standard for ourselves and are truly sorry to hear that standard was not met in your interaction with us. Please get in touch with us on ( XXXX ) XXXX and we'd be happy to help you out. Regards, Sunlight Financial '' I called on XX/XX/XXXX, but was put on hold for an extended period of time and finally hung up. I sent them the following email instead on XX/XX/XXXX : I am writing this letter to express my serious concerns and dissatisfaction with the terms and conditions of the XXXX XXXX purchase agreement ( hereinafter, the \" Agreement '' ) that I entered into with Sunlight Financial on XX/XX/XXXX. As per the Agreement, I agreed to make payments for the first 17 months in the amount of {$150.00}, with the payment increasing to {$210.00} from the XXXX month onwards, unless a \" voluntary payment '' of {$11000.00} was paid by the expiration of the XXXX payment.\nUpon careful examination of the Agreement, I have identified two primary issues that require immediate attention and resolution : 1. Breach of Guarantee : During the negotiation of the Agreement, it was explicitly represented to me that the \" voluntary payment '' of {$11000.00} would be based on the amount of residential energy credit I was entitled to receive from the IRS. XXXX from XXXX XXXX ( I can't locate his last name but his email is XXXX ) was the sales representative who told me about the credit and assured me the credit was assured to be no less than {$11000.00}, forming the basis of my decision to proceed with the solar panel installation. However, to my disappointment, the total amount of residential credit I received from the IRS for the installed solar panels only amounted to {$7800.00}, significantly less than the guaranteed amount.\nThis significant discrepancy has put me in a financially compromising position, as the \" voluntary payment '' was contingent on receiving a specific amount of tax credit. I firmly believe that Sunlight Financial has failed to honor the guarantee, resulting in a breach of contract.\n\n2. Potential Illegality of Balloon Payment : I have become aware that the \" voluntary payment '' clause in the Agreement may constitute a balloon payment arrangement. This type of payment structure is governed by specific regulations under California statutory and case law. However, the contractual terms do not expressly refer to this as a balloon payment or provide the necessary disclosures as required by law. This raises concerns about the legality and transparency of the payment arrangement.\nI have been advised to seek legal counsel to verify the legality of this clause, and it is essential for Sunlight Financial to provide clarification and justification for the inclusion of such a payment provision in the Agreement.\n\nIn light of the above issues, I request that Sunlight Financial take the following actions to address and resolve the dispute : 1. Conduct an immediate investigation into the misrepresentation of the \" voluntary payment '' guarantee and provide a detailed explanation for the discrepancy between the assured amount and the actual residential energy credit received.\n2. Provide a written response confirming that the \" voluntary payment '' clause in the Agreement complies with all relevant laws and regulations pertaining to balloon payments in California. Include references to applicable stat\nutory and case law supporting the legality of the clause.\n\n3. Offer a fair and equitable resolution to this matter, considering the financial strain caused by the misrepresentation and potential illegality of the \" voluntary payment '' clause.\nI expect a prompt response within a reasonable timeframe from the date of receipt of this letter. Failure to address these issues satisfactorily may result in further legal action to protect my rights as a consumer under the laws of California.\n\nPlease acknowledge receipt of this dispute letter at your earliest convenience. You may reach me at XXXX or XXXX if you require any additional information or documentation.\nI trust that Sunlight Financial will treat this matter with the utmost seriousness and work towards an amicable resolution. Thank you for your attention to this matter.\nI received the following generic replay from Sunlight XXXX XX/XX/XXXX : Hello, Thank you for contacting Sunlight Financial 's Customer Support Team. We have created your case, Case Number : XXXX. Our team will review your information and be in touch shortly.\n\nSunlight Financial Support sunlightfinancial.com XXXX I received XXXX calls from XXXX ( no last name given ) of Sunlight ; she left a voicemail on XXXX regarding my complaint email. She stated she spoke to XXXX and XXXX of XXXX Renewables and they provided additional insight into my complaint. She said to call her at XXXX. I called 4 times but it went to voicemail ; each time I left a message asking her to call me back. I did receive a text from XXXX in XX/XX/XXXX stating that he heard from Sunlight regarding my complaint. He wanted to know what he could do but I let him know this was a contract issue that only Sunlight could address. I told him I was having trouble reaching XXXX and if he would call her and ask her to contact me that would be helpful. On XX/XX/XXXX I received another voicemail from XXXX stating she was sorry it had taken her so many months to reach out to me but she had issues with her system and just received access to my voicemails. She stated that she was sorry but she spoke to XXXX at XXXX XXXX prior to calling me and he advised her he spoke with me and quote unquote, everything was resolved. She stated if I should call support back at XXXX with any questions regarding the loan terms and that her team would be happy to assist me. I called Sunlight on XX/XX/XXXX to speak with her and the representative XXXX XXXX ) could not transfer my call to XXXX but accessed my complaint using the case number XXXX. However he couldnt answer my questions regarding the contract. I asked for XXXX last name but he was unwilling to provide it. He offered to send her an internal message but I asked him to have her email me ; I did not want anymore voicemail messages. Then I advised him I would be making a complaint through your agency.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7880021", "source": "cfpb", "group_id": "cfpb/4119a4e3161162346334", "variant": "clean", "length_bucket": "long", "chars": 8705, "company": "Sunlight Financial LLC", "date_received": "2023-11-20", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "4119a4e3161162346334972f1294183043220cc7c7428b67fbc810c0acc0623d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX Re : Bank of America Dispute ( XX/XX/XXXX ) Account Number : XXXX ( XXXX XXXX by XXXX XXXX Account ) For months, I have been dealing with a credit dispute with Bank of America. Their negligence in handling my case offered no fair resolution stating, We understand that you werent satisfied with the outcome of the service the merchant provided, but they have the right to receive payment for any services that were rendered. What are my rights as a consumer under the XXXX guidelines for not receiving the services that was promised and resulting in a medical condition?\nDid Bank of America even contact XXXX XXXX XXXX on behalf?\n\nAccording to Bank of America response, Based on the information above, there has been no error in the handling of your account.\n\nFrom the beginning, this dispute was mishandled professionally until the end. There was nominal communication from Bank of America even after I made my compliant with the Consumer Financial Protection Bureau. The dispute was about quality of service I received during my stay at XXXX XXXX XXXX.\n\nXX/XX/XXXX I received a call from XXXX a representative from the BANK OF AMERICA executive office stating that they were working on the dispute. She gave me her office number XXXX. I explained my frustrations of agents dropping the ball. I never received a provisional credit upon the submission of my dispute. She responded any fees incurred we will be returned to you. It was the last time I had spoken to her until XX/XX/XXXX.\n\nXX/XX/XXXX I called XXXX no answer.\nXX/XX/XXXX I called XXXX no answer.\nXX/XX/XXXX I called XXXX and left a message to return my call to update me on the dispute.\nXX/XX/XXXX I called XXXX and was finally able to get her on the phone after many attempts. She informed me that Bank of American denied my dispute because I did not leave the resort. In addition, she stated, The lack of Wi-Fi and the bed bug situation was outside of the XXXX guidelines to dispute the quality of goods or services.\n\nAccording to XXXX XXXX Bank of America, recommendation was I should have left the resort. I was out of the country. My reservation was made a year in advance for this wedding. Who leaves a resort out of the country? Bank of America stated in their response Consumers should inquire about the merchants written refund or cancellation policy before making a purchase to ensure that the merchant will offer the flexibility he or she needs to dispute the quality of goods or services insinuating I am to blame for not inquiring about refund policies.\n\nFrom the beginning, Bank of America representative. Upon my initial call to Bank of America on XX/XX/XXXX, I made it clear to the representative that I was disputing the {$1500.00} that was not refunded. I explained I initially reserved two rooms and I canceled on which is why XXXX XXXX refunded {$1500.00}. However, even after explaining the two transactions after their research they denied the claim because of the merchant issued me a credit for the canceled room but the canceled room was in dispute. This was an error on behalf of Bank of America. Please note I never received any documentation or communication from Bank of America that the claim was denied. I never received Bank of America denial letter dated on XX/XX/XXXX. If there was in fact, an actual denial letter created why did Bank of America make their final decision on the Consumer Financial Protection Bureaus website. Ironically, their final decision posted on XX/XX/XXXX, the day I finally was able to get XXXX on the phone. I called XXXX multiple times after the dated letter ( this is the first time I am seeing this letter ) and left a message with no return calls which she apologized for her lack of communication. I had to call XXXX on XX/XX/XXXX to learn my claim was denied. How was my claim was conducted without error?\n\nThe information enclosed by Bank of America is incorrect. I called back on XX/XX/XXXX not XX/XX/XXXX as mentioned in Bank of Americas response to check the status of the claim was informed it was denied and the reconsideration was submitted.\n\nThis is unfair. I utilize my card at this resort and they did not deliver on their services as promise. My credit for the canceled room was never relevant to my dispute and Bank of America continued to make it related. I lack communication while there and additionally suffered a medical issue after returning home. I will not believe my claim does not fall under XXXX dispute guidelines of quality of services delivered. According to Bank of America response, they closed this dispute on XX/XX/XXXX and it was opened two more times for reconsideration due to the credit that was issued for a canceled room which was not relevant to the dispute. This is been going on since XX/XX/XXXX.\n\nBank of America customer service agents and the executive level staff have proven they are an incompetent institution to serve my personal and my business financial needs. Bank of America leave me no option to but to seek legal services to address this matter and close my personal and business accounts.\n\nXX/XX/XXXX Re : Bank of America Dispute ( XX/XX/XXXX ) Account Number : XXXX ( XXXX XXXX by XXXX XXXX Account ) To Whom It May Concern : I am writing to convey my concerns for the lack of service I have endured regarding a transaction dispute that was submitted last month. I was XXXX XXXX XXXX XXXX for wedding in XXXX from XX/XX/XXXX, XXXX which payment was due a month before arrival. Originally, I had booked two rooms. I was taking an assistant with me but they could no longer accommodate so I canceled the room on XX/XX/XXXX, which left me one room that I was occupying. I received a refund for the cancelled room on XX/XX/XXXX.\n\nI arrived at the resort on XX/XX/XXXX a day before the scheduled wedding without the physical card due to me paying prior to my arrival. My Wi-Fi in my room was unsteady upon my arrival. The Wi-Fi controlled the camera equipment, TV, my cell phone, and the in-room phone. I called the front desk several times and complained. The next day I was unable to use my camera fully due to the lack of Wi-Fi.\nOn XX/XX/XXXX, several calls were made to the front desk with no resolution.\nOn XX/XX/XXXX, we could not call because the Wi-Fi controlled the in-room phone. I was not even able to call for room service for food.\n\nUpon leaving the resort on XX/XX/XXXX, I called the front desk and asked for a manager to be available upon my check-out. Magically, a technician arrived to my room to identify the problem. He removed the TV from the wall and went into the closet and I heard him say, XXXX XXXX I asked what the problem was and he responded, Its a faulty switch you would have never got the proper Wi-Fi.\n\nI went to check out and XXXX came to assist and informed me that he was manager in training. I expressed to him my frustrations of the Wi-Fi being corrected upon my discharge but corrected for the one checking in was unfair. He left and came back and offered me to waive my ground transportation fee of {$70.00}. I refused to take that offer. He came back with another offer of refunding {$270.00} I refused. I told him I was here for work and I could not properly deliver to my client due to the lack of Wi-Fi. He came back with XXXX the supervisor and the offer dropped to {$150.00} ( which was 10 % off the stay ) and that was her final offer. I refused and she stated someone from management would contact me to resolve this issue. No one from XXXX XXXX XXXX ( XXXX XXXX ) contacted me after I left XXXX.\n\nUpon my arrival back in the states, I started XXXX XXXX So much that I had to seek medical attention on XX/XX/XXXX ( day after leaving the resort ). I was diagnosed and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( pictures were uploaded of XXXX XXXX XXXX XXXX ).\n\nI called Bank of America immediately to dispute the transaction. I informed the representative of all the information in this letter. I was clear on the dispute was for the {$1500.00} for the transaction that was not refunded because the representative informed me that there was refund. The claim was opened. I submitted all the documents on-line through the Bank of America email . There was no status anywhere of the dispute.\nI called on XX/XX/XXXX and informed the claim was closed because I did receive the {$1500.00} refund from the business. I had to explain the refunded transaction was not what was in dispute. She submitted a reconsideration during that phone call.\n\nAs of today XX/XX/XXXX, I still have not received any update on the dispute. I called Bank of America on XX/XX/XXXX for an update after trying since Friday, XX/XX/XXXX ( systems were down is what I was told ). The representative informed me that again the dispute was closed due to me getting the refund on XX/XX/XXXX. I asked for a XXXX and she told me the managers were all out and I should call tomorrow.\n\nXX/XX/XXXX spoke to XXXX and he assured me that the dispute was not closed and the reconsideration actually went through today. He documented the account thoroughly and I should submit the actual cancellation to Bank of America.\nI need a resolution as soon as possible. The lack of customer service and the inability to resolve my issue is very unprofessional. I need to hear from someone soon or I will be filing a complaint to the Consumer Financial Protection Bureau immediately.\nXX/XX/XXXX I spoke to XXXX ( Tennessee ) again to check the status of the dispute and was informed that it is still in review. I conveyed my disappointment of the time this has taking, no communication unless I call for an update, there is no provisional credit while under review. I filed this dispute on XX/XX/XXXX and there is still no resolution. This is unacceptable.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/8275214", "source": "cfpb", "group_id": "cfpb/2ed835627ff8bed7905a", "variant": "clean", "length_bucket": "long", "chars": 9776, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-02-02", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "2ed835627ff8bed7905ad7da53a278d5a12d000ce7ab37304af1a1bbbc3c680d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX I placed and order with XXXX and they advized me to make payment to their XXXX id XXXX then send them a screenshot of the payment. I did this on XXXX and it posted on my credit card on XXXX. On XXXXXXXX XXXX sent me an email that my payment was received and they would be shipping out my order that day. I have not received anything and have not been able to contact XXXX at all. I filed a complaint with Capital One and they keep telling me that XXXXXXXX XXXX XXXX has done nothing wrong and it's all my fault. All contacts I've had with this company is with XXXX and not XXXX but capital one is using the sales representitive as the way to deny me my monies. I placed the order and had all my emails about this come from XXXX not their XXXX id person. If you view all the documents that I have attached in this complaint you will see that all emails have come from XXXX not XXXX as Capital One will lead you to believe", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/8248461", "source": "cfpb", "group_id": "cfpb/7d63be22a2b168575efd", "variant": "clean", "length_bucket": "short", "chars": 930, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-01-31", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "7d63be22a2b168575efd2eb3c0aaffb810ee3d91aa9ba4cb6a4aa716957a521c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chase Branch case of XXXX XXXX XXXX of {$3600.00} Taken by ATM and not deposited into account. Chase Case Number : XXXX I am XXXX XXXX XXXX, and a XXXX in the University XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX College XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a long time resident in Texas.\n\nI.- The Incident : On XX/XX/2022 while on my summer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, for the XXXX XXXXXXXX XXXX , and after collecting payments from customers, I drove to the Chase Branch in XXXX XXXX XXXX XXXX, XXXX XXXX GA where I made a deposit to my checking account # XXXX, through the drive-through ATM, at around XXXXXXXX XXXX\n\nI inserted {$3600.00} USD in XXXX bills of different denominations, but the ATM stalled, gave me an error message and did not issue a receipt, nor returned my money. I panicked and immediately called My father via XXXX XXXX He told me to attempt another deposit of XXXX dlls to make sure there was a record I was there, and make sure the ATM would take it. I did and the deposit went through and provided a receipt. I also got out of my car and walked around so that the cameras would be able to see me and record me being there, so it would be easier for the bank to track the issue, timing and camera records.\nI went back the next morning of XX/XX/2022 to the Branch before they opened, and immediately spoke to XXXX XXXX XXXX XXXXXXXX, Relationship Banker, XXXX XXXX XXXX XXXX XXXX XXXX was very helpful, opened the case of the situation and reassured me that within 2-3 days Chase will contact me via e-mail with a resolution to my case, as they took this matters very seriously.\n\nII.- The Case Follow Up : On XX/XX/XXXX I boarded a cruise with my family and by then Chase had not provided any answer to my situation. By XX/XX/XXXX, when we returned to port, I had no e-mails about my case, so I called Chase Claims Department to enquire about my case, to find out to my surprise and shock that the claim had been denied, claiming that the money had not been found.\n\nI immediately called the branch with XXXX XXXX, who told me she couldnt help me more and that I had to follow through again with XXXXhase Customer Claims Department. I asked what would be the process in which Chase could check the security cameras, and I was advised that to do that, a Police Report needed to be opened.\n\nIII.- The In-Person Branch visit and Police Report : I decided to fly to XXXX with my father XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX to meet with the executives at the branch to follow up again on this case. We met with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX, the branch manager, was not in town ). XXXX XXXX called again the Claims Department and requested to escalate it and open it again. She indicated that the ATM on the drive-thru, although is branded as Chase ATM , is serviced and managed by XXXX She advised us to file a police report in the county to aid the process.\nWe did under such advise and opened a Police Incident Report at the XXXX XXXX Police Department, on XX/XX/2022 under case number XXXX with XXXX XXXX, badge XXXX.\n\nIV.-The Appeal to the denied Case and contacts with Chase Executives XXXX We proceeded to contact XXXX XXXX XXXX XXXX Marketing Director at Chase to request his support to better understand how to proceed with this case to recover the money I entrusted to Chases ATM. I have not been able to speak to XXXX XXXX, but only with his assistant, XXXX XXXX, nor he has replied to our emails.\nI have also tried to get the contact information of XXXX XXXX XXXX XXXX, VP of multi branch, but the branch has declined to give me his contact information.\n\nOn XX/XX/XXXX, I received a call from Chases Claims department indicating that the case had been re-opened and that they would be in touch via phone with us. I asked where could we communicate about this case via e-mail, but were told that this cases are only handled via phone, not e-mail.\n\nOn XX/XX/XXXX I called again to the claims department to enquire about my case as was told that it had been closed again and that to reopen it, I need to provide more details or evidence about my deposit.\nI have evidence of videos and pictures but they told me that they can only receive faxes and not emails. I have enquired about them checking the security footage but again they told me they can do it only if requested by the police which shocks me.\n\nV.- The Concern about deleted camera Footage I have a major concern about the length of time which camera footage is kept. In this case, since there is an Incident Claim, I want to make sure the cameras footage from XX/XX/2022 between XXXX XXXX and XXXX XXXX are NOT deleted, so they can serve to proof that I was there, inserted the money into the ATM but it failed to deposit it into my account and did not return it to me. I have been told that in order to have the footage reviewed, I have to have the Police department request it ( or be subpoenaed ) Why would we need to subpoenaed the cameras footage to have it reviewed?, shouldnt this be Chases standard procedure when a case like this is raised?\n\nVI.- Concern about closed case, again.\nOn XXXX XXXX, 2022 I called again for an update and was told that after elevating the case to an executive review, the case was closed and indicated that if we have additional information, CHASE may consider re-opening the case. I have already sent this information as a request to re-open the case and check with XXXX, who is the provider of the drive-through ATM at the XXXX branch XXXX for the missing money. We were shocked to find out from the branch today, after talking to XXXX XXXX XXXX XXXX, that she is still waiting for the XXXX report, yet the case has been closed already twice.\n\nVII.- Request to re-open the case- XX/XX/2022 On XX/XX/2022, under the advise of Chases Claims department, my father went to a Chase Branch and requested them to send a fax to the Claims Department requesting to re-consider the case and open it again. I sent a very similar letter like this, requesting the case to be re-considered and XXXX to be requested to provide the deposit records of the drive-thru ATM, plus check camera footage of my deposit.\n\nI am deeply concerned with the way CHASE has handled the communication of this case The lack of written ( email ) communication is very concerning to me.\n\nOn XX/XX/XXXX, I called XXXXhase claims department and was told that the company had made a mistake not crediting my account immediately after placing my complaint and that they would credit me and continue the investigation. This same day, another person from the claims department called me to tell me that the case had be closed again denying it. I recorded the conversation where they indicated the mistake they made and will attach it in this complaint.\nTo this day we have only received a regular mailed letter from XX/XX/XXXX when they initially denied the claim and no other written communication", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5919312", "source": "cfpb", "group_id": "cfpb/ddd02b24178ced51e4ad", "variant": "clean", "length_bucket": "long", "chars": 6964, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-08-26", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "ddd02b24178ced51e4ad4d22204b15dffaade005bff57334877a7075c6c27c83", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Back in XXXX XXXX XXXX I entered into a purchase agreement to buy a new home from XXXX XXXX . At the time they were offering to pay XXXX towards my closing cost but I had to use there preferred lender which turns out is XXXX Mortgage XXXX ( which is a front for Loan Depot XXXX ). When I inquired about the rate I was quoted XXXX %. At the same time I called my brother in law who also does mortgages and he said that was about the same rate he could get for me. Since they were offering to pay XXXX toward my closing cost I thought It would be a good idea to stay with who they recommended. As the house was being built I did not think too much about the financing since we had already discussed it and at the time they were offering a good program. At the beginning of XXXX I was contacted by XXXX Mortgage to finalize the mortgage part of my home purchase. They asked me to provide some documentation to finalize everything, which I did promptly, and then they said I should lock in the rate. I told them to lock in the rate assuming it was going to be close to where we were before, or at least competitive. This was not the case. They locked me in at XXXXX % which was much higher than what we were talking about back in XXXX . I understand the rates got a little worse but I did not think it was that much higher. It took me a couple days to inquire about rates with my brother in law and he told me he could get me XXXX %. I felt that I was locked in because if I would use a different lender I would not get the XXXX credit, but then I worked the numbers and even without XXXX it would be a much better deal for me to go with a different lender. So on XXXX I contacted XXXX and XXXX Mortgage and told her that my brother in law could do XXXX and I wanted to know if they could match the rate. XXXX said she would need to check with a XXXX . I checked back with her the next day on the XXXX and she said she is still checking, on the XXXX she said she is waiting with baited breath. Then on the XXXX I got an email from XXXX from XXXX homes threatening me that if we dont close on time they will charge me XXXX day if we go past the closing date. At the same time I got an email from XXXX XXXX with XXXX homes ( subject line : Potential Default ) taking it one step further and telling me my earnest money of XXXX will be forfeited and it is too late in the process to change lenders! All this without even knowing if there preferred lender will match the rate. On XXXX I received an email from XXXX with XXXX Mortgage saying that she still does not know if they can change the rate but if they can not change the rate I could take the XXXX that they were giving me and buy the rate down to XXXX ( which is still higher than I could get with my brother in law ). After continued follow up it was not until the XXXX that I was notified that XXXX Mortgage could not match the XXXX going rate. About the same time I was notified by XXXX from XXXX homes that if my brother in law could still meet the XXXX closing date that they would let me switch lenders. I talked to my brother in law and with the XXXX earnest money and XXXX day fee on the line he did not want to commit to a 15 day closing, he said that was an unrealistic time frame. Bottom line I feel they lured me in with a good rate and the XXXX closing cost then they wait until late in the process to spring on me the above market interest rate and then threaten me with keeping my XXXX plus charge me XXXX per day. I know for a fact this is not ethical and I can not see how this can be legal! Now I have been notified that the XXXX they are giving me has been reduced to XXXX . They told me they are moved XXXX of their fees ( title settlement fee XXXX to a fee paid by the seller to get around at TRID compliance issue. I told them that is not my issue and I want to see the XXXX seller credit that I was told I would get if I used there preferred lender ( and that was disclosed to me on my loan estimate. ) I then received a XXXX XXXX statement from their closing agent ( Carefree title ) showing the XXXX seller credit. I told them that I wanted the closing disclosure statement to reflect the XXXX seller credit and the closing agent told me they can not do that. I am assuming the reason they can not do that is because its not legal! This has been a bad experience and I feel they have taken advantage of me from the beginning.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "closing", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2473659", "source": "cfpb", "group_id": "cfpb/6279ae8928f8676460bf", "variant": "clean", "length_bucket": "long", "chars": 4539, "company": "LD Holdings Group, LLC", "date_received": "2017-05-02", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "6279ae8928f8676460bfbdd8b7dfd5c270cc3bfecd36e2fd13aa687e3193546e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX, I filed for a title transfer from XXXX XXXX XXXX through Hyundai Motor Finance because they are my lien holder. The application was sent back by Hyundai because it was missing my co-signer 's signature, which we procured and sent the app back in XX/XX/XXXX.\n\nSince XX/XX/XXXX, my account status has read : \" We've started the process and are currently waiting to receive the vehicle 's title from your previous state. Please allow 3-4 weeks for the title to be received. Upon receipt of the title, we will send the required documentation to your new state within ten ( 10 ) business days. This entire process can take 4-6 weeks to complete. '' It has now been over 7 months with no changes or updates to the situation. 7 months.\n\nI have called Hyundai Motor Finance every week for the last 5 months, sometimes 2-3 times a week, and Hyundai reps have not been able to : 1 ) identify the issue in the delay 2 ) have not ever, EVER gotten back to me with updated information even though every supervisor says they will, and 3 ) Have not done their due diligence with XXXX XXXXXXXX to find out what is going on Every rep is surprised to hear the story, tells me they don't know how to help, and sends me to a supervisor. The supervisors then tell me they will either 1 ) look into this further and get back to me or 2 ) escalate the case. Neither has happened or done anything for my situation even if it has happened internally.\n\nI have nothing on my end I am able to do to fix the process, it is out of my hands and Hyundai is refusing responsibility for this even though every supervisor has admitted that they have never seen a case like this before.\n\nOnly last month, XX/XX/XXXX, after I spoke to several reps and supervisors for three days in a row, did someone finally admit to me there was a mistake made by Hyundai on their application and that is why it was rejected. He made sure it resent. This phone call took place on XX/XX/XXXX.\n\nOn XX/XX/XXXX, my driving pass with the state of XXXX expired and the XXXX XXXX informed me I am not eligible for anymore, there are no exceptions. They said I can only rely on Hyundai Motor Finance to figure out the issue since Hyundai has the necessary paperwork and I am no longer a XXXX resident.\n\nOn XX/XX/XXXX, Hyundai \" escalated '' my case. However, they have yet to XXXX ) contact me, 2 ) inform me who my case manager is. There is no number or person to contact regarding my case.\n\nSo, now, it is illegal to drive my car and it is at risk of being towed because there is no registration or temporary visitor 's pass. And I can not get a hold of anyone without starting from the beginning with reps who then transfer me to supervisors who then tell me they will solve it and hang up leaving me with nothing.\n\nI am XXXX- I have work, I have doctor 's appointments, I am a XXXX I can not function without my car. I explained this to a supervisor last week ( XX/XX/XXXX ) and yesterday ( XX/XX/XXXX ). Yesterday, XXXX, the supervisor, assured me he would find out why it has been 8 months and nothing has happened. He said 8 months is way too long and that he will be sure to escalate the case, that he would try and help me get a car rental. He told me 3 different times on our phone call he will solve the issue by end of day and get back to me. I never heard back.\n\nToday ( XX/XX/XXXX ) I called again and the supervisor made me start from the beginning. He kept saying \" The XXXX has not explained anything to us, they just keep rejecting our application so we keep re-submitting. '' When I asked how that is supposed to solve the problem, he said it's not Hyundai 's problem. He then began to guess what the hold up was : \" The issue with the XXXX might be ... '' He did that for five minutes straight.\n\nEvery time I asked if the DMV said what he was saying, he said no, it just \" might be '' the problem but that he has no idea. I informed him that he was, at that point, the XXXX or XXXX supervisor I have spoken to in the last three months and that I just need help getting a car to use while Hyundai sorts this out. I told him what XXXX had told me yesterday about getting a rental.\n\nHe ignored what I was told and said they can not do anything to help me and it is my job to contact the DMV. When I told him that only yesterday HMF said it was an internal mistake they needed to rectify AND that I can not contact XXXX XXXX as a customer because they closed their phone lines over a year ago, he dismissed me and transferred to customer affairs. Customer affairs said my problem is with Finance and not them, they can not help me. They then hung up on me.\n\nI do not know who to contact. This is so unprofessional, disrespectful, it is a violation of my XXXX rights, and it it XXXX awful business management. I am paying XXXX of dollars on this loan and I can not even drive the car I am paying off right now!\n\nPlease just help me get a rental for now, please.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "managing", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/9074278", "source": "cfpb", "group_id": "cfpb/b441af1474aaed7da429", "variant": "clean", "length_bucket": "long", "chars": 4943, "company": "HYUNDAI CAPITAL AMERICA", "date_received": "2024-05-22", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with additional products or services purchased with the loan", "text_sha256": "b441af1474aaed7da429418ba292a2becf1f0becff83c067aa95283e57e05c1f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was selling a couch on XXXX XXXX. The scammer sent me messages stating that because of my Zelle account limitation, he had to send me extra {$400.00} dollars from his business account. I received a \" Zelle '' email stating that I need to refund the sender that {$400.00} dollars before I can receive any payment. The scammer sent me snapshots of pictures of bank transactions. I sent the money via Zelle. Then I received another email from \" Zelle '' stating that I need to send more money. I realized this is a scam. I hope the company takes action against the scammers and change their policies for not protecting consumers.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/7515190", "source": "cfpb", "group_id": "cfpb/022aa3ab9b288c13f444", "variant": "clean", "length_bucket": "short", "chars": 628, "company": "Early Warning Services, LLC", "date_received": "2023-09-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "022aa3ab9b288c13f444f4f56f977f1fb8ba5365ecc2beb60a1b4ca3c47d1438", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made an online purchase on XX/XX/XXXX of {$78.00} and paid through paypal. The next day, I saw that I was billed twice, and another XXXX payments had been authorized. I immediately contacted paypal and alerted them of the fraud. After checking my browser, I saw that at the time I made the purchase, paypal checkout was accessed multiple times. And I saw that I was never sent the purchase confirmation from the seller. Paypal claimed that it was me that authorized the second payment and additional XXXX future payments, and denied my claim.\n\nI appealed, and collected lots of documentation, including the screenshot of the item, a screenshot of my browser history showing XXXX checkouts in just a couple minutes.\n\nPaypal contacted the 'seller ' who sent them a tracking number, and again my claim was denied. I contacted to postal service, who sent me a picture of the package with the tracking number very clear. It was addressed to someone else- not my name- and another address, and showed the weight of the package was XXXXXXXX XXXX The only thing in common was that the package was addressed to someone in my zipcode. Apparently, for paypal, anything shipped to anywhere and anyone in my zipcode was enough proof that I received the item. Even the shipper on the package label was not the same as the seller.\n\nThe item I purchased was XXXXXXXX XXXX. I again supplied paypal with the info the post office supplied, and provided the description of the item purchased showing the XXXXXXXX XXXX weight of the package they claimed was shipped to me, and showing them that the XXXX items I was charged for ( charged twice for XXXX order ) had the same tracking number for each 'order '. I even supplied proof of the postal weight limit from the local postmaster.\n\nThe attempted purchase was XX/XX/XXXX at XXXXXXXX XXXX. At XXXXXXXX XXXX the same date, the company authorized additional payment to be charged to my account. At XXXXXXXX XXXX, on XX/XX/XXXX, the second payment was charged to my account. with XXXX more payments to be taken.\n\nIt was about XXXX XXXX, XX/XX/XXXX when I discovered all this and immediately reported it to paypal. Paypal denied my first claim just XXXX minutes after I submitted it, saying that I authorized the payments.\n\nI spent the next several days going back and forth, and I had to battle each charge separately and file everything twice, as paypal considered it as XXXX separate purchases.\n\nI got the tracking info from the post office on XX/XX/XXXX, including an email from the local postmaster, and a pic of the package, and submitted it immediately to paypal.\n\nPaypal informed me that they would review the info and issue a decision is just a few days. later extended to XX/XX/XXXX, and said they would give the seller a chance to submit info. The website I bought from is still active, but the website that billed me is no longer active, so the scammers likely switched to another account. Paypal hasn't replied to my requests that they refund the money.\n\nAnd now I have learned that paypal does this regularly, as part of their business model, and instead of honoring their money back protection guarantee, they force consumers to go into small claims court to receice money back. I'm XXXX XXXX XXXX, in poor health, unable to walk long distances, and because they have added a prohibition against class actions, and insist on either arbitration or small claims court to acheive satisfaction, there consumer protections are essentially a fraud. It will be an excessive burden for me, and likely most consumers. They profit from every transaction, and don't want to return even the {$150.00} total they have charged me. They also told me that the charges would be removed until this was settled, but the charges remain.\n\nSince paypal profitted, they are actually aiding and abetting the criminals by letting the seller submit fake tracking info, and having paypal willfully, knowlingly accept it without checking. They forced XXXX to spend hours trying to get the info from the post office. Paypal is detrimentally relying on the fact that the post office doesn't generally give out tracking info to anyone but the adressee.But I was able to show the postmaster that paypal had me listed as the recipient, so showed that fraud was occurring", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8689901", "source": "cfpb", "group_id": "cfpb/53d482b529f052061489", "variant": "clean", "length_bucket": "long", "chars": 4291, "company": "Paypal Holdings, Inc", "date_received": "2024-04-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "53d482b529f05206148963251e208c418c033347dfd8b0414cef722adb397a4a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I applied for a Personal Unsecured Loan with First Tech Federal Credit Union on XX/XX/XXXX in the amount of {$5000.00} under installment of {$130.00} per month for forty-eight ( 48 ) months, due date on the XXXX of the month before the closing date of the XXXX of the following month per approval by First Tech Federal CU Representative Customer Service agreement to avoid a late fee and past due on installment payments. Since First Tech Federal CU is an online Bank in my State of XXXX, NC, I mail my monthly payments of {$130.00} plus {$15.00} late fees totaling {$140.00} by United States Postal Services 2nd day Priority Mail to received before the closing date of the XXXX of each month since I am a Retired XXXX Employee from the XXXX for XXXX XXXX XXXX XXXX over 48 years & received my retirement benefit on the first of each month. I tried on three attempts with First Tech Fed CU Representative to set up an Electronic payment Plan per application online to be debit from XXXX XXXX XXXX XXXX Checking Account but First Tech Fed CU did not accepted agreement. Therefore, I mail payments by Certified Mail per month and First Tech FCU is fraudulently reporting account past due since XXXX until present of XX/XX/XXXX ignoring my dispute. Balance is {$2700.00}.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4149873", "source": "cfpb", "group_id": "cfpb/779d1aaa5fc2b4a31afb", "variant": "clean", "length_bucket": "medium", "chars": 1269, "company": "First Technology Federal Credit Union", "date_received": "2021-02-18", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Problem with personal statement of dispute", "text_sha256": "779d1aaa5fc2b4a31afb003b99044aaec8a606da124638c588b8a8314cfdd24d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a short-term loan via XXXX for {$1100.00} on or about XX/XX/2020.\nI have paid two installments on the loan for {$390.00} each, so total paid is {$790.00}.\nOn XX/XX/2020, I called and emailed ( 6 times ) to change my payment method to a different bank.\nI sent a copy of \" old '' payment method blank check and a copy of my \" new '' payment method bank statement per XXXX 's request. They replied that they could not read the bank statement, and even though I had stated multiple times that the \" old '' account had been closed, they attempted to withdraw the payment from closed account on XX/XX/XXXX.\nWhen their debit was returned \" closed account '' they automatically charged me an exorbitant amount and now say I owe them {$3900.00}!!!\n\nPlease intervene as soon as possible. All customer service representatives ignore ( d ) my requests to change payment method.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3878328", "source": "cfpb", "group_id": "cfpb/15abafd3fa4e73e3e109", "variant": "clean", "length_bucket": "short", "chars": 882, "company": "LDF Holdings, LLC", "date_received": "2020-10-02", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "15abafd3fa4e73e3e10964a0033db7cecd8cb2dddf78f195479e0d28b3ff68b0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On Saturday morning, around XXXX XXXX ( I remember this because she had clients in her office before me and the wait was over 30 minutes, so I went to the Farmers Market and came back ), of XX/XX/XXXX, I opened a Checking account in person at the Chase Bank in XXXX XXXX XXXX, WI. I wrote check XXXX for {$100.00} as my initial deposit. I worked with banker XXXX XXXX XXXX ( phone XXXX ). When I looked online on Sunday, XX/XX/XXXX at my account to confirm my direct deposit from my work paycheck had been deposited, my account balance is {$0.00}. I called Chase corporate and they explained I would need to work directly with the branch. Monday morning, I spoke with XXXX ( the manager according to XXXX ) and she said she would look into it and call me back later on the same day. I had not received a call as of XXXX XXXX, so I called and spoke to XXXX XXXX. She said they could not find any deposit in my account. I explained their rule is that you have to have a minimum deposit of at least {$25.00} to open an account. I sent her my cancelled check ( also attached ), but she said she was not sure what they could do, if anything, to help and they would try their best. I still have not heard back.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2677817", "source": "cfpb", "group_id": "cfpb/372440e818481b79a509", "variant": "clean", "length_bucket": "medium", "chars": 1204, "company": "JPMORGAN CHASE & CO.", "date_received": "2017-09-19", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "372440e818481b79a509696013d2ead5df9ac401f437d249714e256b6925597a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Venmo permanently deactivated my account and refuses to release my XXXX $ out of my balance I provided identification documents and everything and they still are trying to make me wait 180 days its been 90 days now and they still have not released my money I have not been able to pay my rent since they restricted my account", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9317809", "source": "cfpb", "group_id": "cfpb/8dbb0ad1f0d21fdff739", "variant": "clean", "length_bucket": "short", "chars": 325, "company": "Paypal Holdings, Inc", "date_received": "2024-06-21", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Trouble accessing funds in your mobile or digital wallet", "sub_issue_raw": "", "text_sha256": "8dbb0ad1f0d21fdff739b38ff4558f5c9f5448b0962a4a872094d187d6194739", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Mr. XXXX, XXXX XXXX XXXX, Chrysler Capital XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, I hereby rescind any signatures obtained by XXXX XXXX XXXX XXXX XXXX XXXX \" XXXX '' XXXX and Chrysler Capital XXXX to the vehicle known as VIN XXXX ( attached ) based on fraud, misrepresentation of facts, intentional deceit and consumers fraud.\nThe Kansas Consumer Protection Act prohibits misleading, deceptive and unconscionable trade practices I was defrauded and Chrysler Capital created a fraudulent loan and I have been paying on this fraudulent loan for 2 years and 8 months. Chrysler Capital placed a loan in my name without me completely signing for a loan and without me purchasing a car. I never signed the purchaser agreement and never signed all pages of the loan contract. Chrysler Capital unlawfully paid off a car that I never purchased and placed a unlawful loan in my name with 24 % interest without me ever agreeing to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Chrysler Capital have defrauded me out of more then XXXX dollars and have misrepresented facts. below is a description of the unlawful acts. I now have a loan in my name for a car that I never signed fully signed a loan contract for and I am up to date on the fraudulent loan. I have been paying the highest interest on the car of 24 % and I do not own the car/ the car is defective and had more miles on the car then the loan paperwork stated.\n\nI hereby formally demand the XXXX refund me all monies collected from me for VIN XXXX immediately including all Service Department costs, Insurance, fees relating to payments for the vehicle to the lender to date. Starting with but not limited to {$16000.00} paid by cashier 's check dated XX/XX/2018, and {$25000.00} paid to date to Chrysler Capital.\n\nThe fraud and deceit have been ongoing since XX/XX/2018 to date with no resolution. To name only a few which you are fully aware of include ; 1. A purchase agreement was never presented to me for my signature. I never signed a purchase agreement.\n\n2. Title was never given at any time ( 2 years and 8 months XXXX including within the required 60 days after I have been paying a loan for Vin Number XXXX for two years and 8 months.\n\n3. The retail installments contract, simple finance arbitration provision in its entirety was never delivered to me. Page 2 was unlawfully withheld from me for my signature therefore I was not free to take the agreement and review the full document nor given an opportunity to review said document with counsel.\n\n4. After reviewing all the documents in which I just received from XXXX XXXX I understand that I do not own the vehicle that I have been making payments on for 2 years and 8 months.\nXXXX. I have also been unable to drive the vehicle for 2 years and 6 months because I had no title to register nor any ownership. ( KS Statute 8-127 ) The entire transaction was an incomplete process and remains incomplete to date.\n\nThe only signatures of mine obtained by XXXX are ; The retail installment contract/arbitration provision page 1, 3, 4 and 5 therefore I am rescinding these signatures for fraud and deceit. I also rescind my signature that appears on the credit application dated on or around XX/XX/2018 ; The XXXX specific insurance policy document ; The agreement not to export ; Signatures of mine that were not obtained at any time required by law to complete any transaction, included but not limited to, are as follows ; 1. Vehicle Purchase Agreement. ( I never signed or initialed for arbitration ) 2. Vehicle ownership transfer agreement 3. Agreement to provide accidental physical damage insurance ( although my XXXX policy number is stated on the document ).\n\n4. The odometer disclosure statement.\n\n5. Registration and title paperwork.\n\n6. Application for Missouri title and license.\n\n7. Buyers Guide - for \" As Is - No Warranty '' / Warranty 8. Commitments made. ( Not dated or approved by manager ) 9. Used vehicle damage disclosure.\n\n10. Kansas Department of Revenue - Dealer/Purchaser Declaration of Exemption.\n\n11. Privacy notice I am demanding all of my money back from this unlawful act.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4607575", "source": "cfpb", "group_id": "cfpb/3d1b3b7f76c706d28366", "variant": "clean", "length_bucket": "long", "chars": 4152, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2021-08-06", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "3d1b3b7f76c706d2836607ee1493749b15ec4e508d702876b303976d63644f31", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2019, I applied for a home mortgage loan. The loan officer suggested several items that needed to be cleared from my credit. I contacted debt collector Rent Recovery ( Original debt is XXXX XXXX ) on XX/XX/2019. I spoke to a representative to inquire about a settlement to get this off the credit bureaus. They gave me 2 solutions. They proceeded to go over charges the debt is a total of {$7800.00}. A previous water bill was included in this amount. I stated that I previously filled that amount in bankruptcy, but my bankruptcy was dismissed. The representative said she will have to talk this over with her manager and to call her the next morning. When I called the next morning, I was told my file was in current bankruptcy status, and to contact my lawyer and they hung up the phone. I called back, proceeded to give my name, and was told again, Mam your in bankruptcy status, and Im going to have to disconnect the call. I called back again, this time I didnt give my name, but asked to speak to a manager, because I was not in bankruptcy status. They switched me over, and then that person said they would have to disconnect the call. I called back, to ask, can I please have an email, or other contact information where I can show Im not in bankruptcy status. A representative told me to mail in a letter from the law office that says my bankruptcy was dismissed. I asked can an email it or fax. The representative said they didnt have an email or fax number, they gave me the address. I went to XXXX on XX/XX/2019 ( please see attachment ). I sent a letter saying my bankruptcy was dismissed. It was received on XX/XX/2019. I called Rent Recovery on XX/XX/2019, and asked them if they received the letter, a rep said Mam you are in bankruptcy status, please have your lawyer contact us. On XXXX XXXX, I went to work late to go up to the bankruptcy office. I told them my situation, I also called in to a representative from the bankruptcy office, and a representative from the bankruptcy office called on 3 way to Rent Recovery to explain that I was not in any active bankruptcy. The representative from Rent Recovery told the representative from XXXX XXXX office, Mam she has to wait unit her file is uploaded, Im going to disconnect now. I then reached out to the original creditor on Social Media and called them ( Please see attachment ). Still at attempts to speak to someone about this account I wasnt getting anywhere, next, I called to put in a dispute with the 2 credit bureau XXXX and XXXX. After reviewing my credit report from XXXX, Rent Recovery first appeared on this report on XX/XX/2019. Then it was removed XXXX XXXX, its no longer there. However, It appeared on XXXX report on XX/XX/2019, and its still there. I called to file a dispute and A representative from XXXX says its not listed in bankruptcy status, I said I know but they refuse to talk to me. XXXX and XXXX are investigating my dispute. On XX/XX/XXXX I received an email from XXXX XXXX, saying they reached out to Rent Recovery, and they emailed my bankruptcy dismissal letter. And a representative from Rent Recovery said they will be in contact with me by Monday. I asked, if they gave the letter, they spoke to bankruptcy tepstentatives why wouldnt they just update my file today. I then called Rent Recovery again, and they said my file was still in bankruptcy status. This company is deliberately trying to keep derogatory information on my file.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3246493", "source": "cfpb", "group_id": "cfpb/2269c7c6c7605fe4d42e", "variant": "clean", "length_bucket": "medium", "chars": 3459, "company": "Rent Recover, LLC", "date_received": "2019-05-18", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened or suggested your credit would be damaged", "text_sha256": "2269c7c6c7605fe4d42ef12e68a18236a9773f87d455717cc8fd2ec8ab690898", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Total amount owed on my Vehicle was {$24000.00}. I sent in a check for {$25000.00} to pay off vehicle to Bridgecrest XXXX ( XXXX ) I was told I would be charged XXXX cents a day after the XXXX day payoff period and that they would put whatever date the check is made out for which was ( XXXX ). I overnighted the {$25000.00} to them via XXXX, they received the check on the XXXX of XXXX and are still saying I still owe {$510.00} and are charging me XXXX cents a day after I have already given them {$25000.00} plus the XXXX $ a month I was paying on the car for the time I had it, which totals around XXXX XXXX In all I have given Birdgecrest also known as, XXXX over {$30000.00} for a used car with over XXXX miles on it, and they are still saying I owe them XXXX XXXX Their employee told me on a recorded line that I wouldnt have to pay anything after XX/XX/2022 once the check was received if the check had a printed date, which it did! This is not okay and they also reported to my credit company that I was late/delinquent and the check is dated for the XXXX of XXXX. This isnt right and they should be held accountable!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/5229274", "source": "cfpb", "group_id": "cfpb/d04b548df17ea331f7de", "variant": "clean", "length_bucket": "short", "chars": 1126, "company": "Bridgecrest Acceptance Corporation", "date_received": "2022-02-17", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Unable to receive car title or other problem after the loan is paid off", "text_sha256": "d04b548df17ea331f7deaf36be4dc5072da7b575256f060c41e2c20ae0810afb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had obtained a private student loan from XXXX/Naviant to attend XXXX.\nAfter attending the classes I had obtained other financing which was paid to the school directly.\nXXXX/Naviant was issued a check directly from the school refunding the proceeds from their loan. The check was cashed by XXXX as you will see from the attached documents showing the deposit stamp on the back of the check.\nXXXX also received a XXXX dollar cash payment which I also have the payment receipt from XXXX as well. They have received this money as well as the payments that they were auto drafting from my account during this time period.\nThey have stated the remaining balance is due to service fees and late fees but I have been fighting them for several years on this matter.\nI have reviewed the postings on the internet stating that XX/XX/XXXX and Naviant were guilty of false charges as well as misleading the clients on repayment and late charges etc.\nI have been contacted by numerous collection agencies ( XXXX ) over the past several years and then after I send the documents that i have the collection agency stops contacting me and then XXXX/Naviant just hires another agency and the process starts over.\nThe school that I had attended has even been involved I have recently hired XXXX to attempt to get this removed from my credit bureaus. The law firm advised me to file a complaint with you as well to aid in the process with the history your company has with XXXX/Naviant.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2422080", "source": "cfpb", "group_id": "cfpb/3e8ff092488712e10cbc", "variant": "clean", "length_bucket": "medium", "chars": 1474, "company": "Navient Solutions, LLC.", "date_received": "2017-04-05", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Don't agree with fees charged", "text_sha256": "3e8ff092488712e10cbc0532828a93ac3f8c8d64d0a3b2701d04bd6b43875c71", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I hope this message finds you well.\nI am submitting this complaint because I started a dispute with my Apple credit card by Goldman Sachs for a {$4000.00} payment made to XXXX XXXX XXXXXXXX a contracting company XXXX XXXXXX/XX/XXXX that did not provide the service agreed upon or completed any job as described. The dispute was reverse despite having submitted evidence that supports my claim. I helped my brother and partner, XXXX XXXX, with his home improvement renovations at his rental property by submitting a {$4000.00} payment to a XXXX using my Apple credit card, but XXXX XXXX was victim of fraud.\nI provided expert testimony, the contract, inspection report, and an inspection letter giving a direct comparison to the sales contract, it explains in detail line-by-line what the merchant did not finish or complete correctly, emails, lawsuit, counterclaim, third-party complaint, police report, litigation files explaining all the violations and the fraudulent service to the courts, pictures, and a XXXX XXXX link showing video recordings XXXX a background that XXXX XXXX got from public sources right after he found out everything after the facts, it shows that XXXX XXXX the contractor has a long history of criminal record for fencing and stealing, and any other documentation supporting.\nRegarding the merchants response, I can say that the cancellation and refund policy was not disclosed at the time of sale. Not knowing any better my brother entered a contract that did not comply with New Jersey Home Improvement contract regulations NJAC13:45A-16. The merchant falsely proclaimed a breach of contract and tried to induce XXXX XXXX to remove the disputes. Otherwise stated in the supposed breach of contract he would put a lien on the property which did not happen since work was not completed or performed. The merchant keeps insisting my brother breached the contract when the detailed description of events document in the litigation document sent by my brothers attorney explained XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX failed to properly complete the home improvements pursuant to industry standards ; failed to provide services as required by the contract ; made false representations to my brother ; and violated the Consumer Fraud Act and Home Improvement Act as more fully detailed in the document. Merchant estates my brother received the expected goods/services or encountered. As shown in the inspection report and as stated in the inspector letter drafted by a licensed home inspector, he did not receive such goods/services. As a result, he requested full reimbursement of the amount paid. As stated by my brothers attorney, \" By engaging in the above conduct, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unconscionable commercial practice of deception, fraud, and falsity or misrepresentation in connection with the sale of the service and goods in that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX made misrepresentations of the facts, concealed facts, suppressed facts, and excluded facts to effectuate the sale of the service and goods to my brother. '' In the emails you can see that as soon as my brother questioned the merchant about the progress of the work ( email response sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and advised the merchant that he would not have to pay him in full when the work was not yet completed ( email response sent on XXXX XXXX XXXX XXXX XXXX XXXX ), the merchant realized that the scam was over. The merchant tried to have my brother into a mutual release and settlement agreement and wanted my brother to pay him an additional {$8500.00} under the guise that he would forgive a remaining balance of {$22000.00} ( email sent from merchant on XX/XX/XXXX, XXXX XXXX XXXX ). Here is when my brother was convinced, he was the victim of fraud. My brother, not knowing any better, believed he owed him money but when he visited the property on XX/XX/XXXX, and confirmed the merchant did not have anything completed and did damages. He immediately took all steps necessary to mitigate his damages and report his unlawful activity to XXXX XXXX XXXX XXXX Consumer Affairs which I am also attaching to the email showing he is not licensed. XXXX, the contractor, is well aware that the home improvements were not fully completed. Despite this, he demanded payment from my brother and as my brothers attorney mentioned, Said demands are in violation. My brother have already contacted XXXX XXXX Co regarding this matter, but he is not reimbursing any funds, you can see this in the email, the evidence was sent to XXXX and is going to be included in this complaint, the reimbursement is a fair and reasonable course of action in this situation. You can also read the tenant 's letters ; they are witnesses to what occurred. Once my brother refuted the merchant about not paying him more money when he demanded the merchant himself stated he did not wish to work with him anymore ( email response sent on XX/XX/XXXXXXXX XXXX XXXX XXXX ) and that he would move forward with what he needed to do for the situation. Merchant mentioned that \" a breach entitles him to the full contract amount. '' when no job was completed. The merchant failed to provide the service when he left the job unfinished and unsafe. He did not know how to orchestrate the job. He proclaimed maliciously to having completed the job. The merchant contacted my brother by email on XX/XX/XXXXXXXX XXXX XXXX XXXX, and he responded on XX/XX/XXXX, XXXX XXXX XXXX, requesting him to resolve the claim and asking for reimbursement. My brother also solicited specific information regarding what was purchased, and copies of all documentation about these transactions including invoices and the warranties. My brother officially terminated him from the job and let him know about the damage he caused and that he left the work project incomplete. The merchant responded dishonestly by attaching a breach of contract that he drafted himself and falsely claiming he was going to put a lien on the property and suggesting my brother to release the disputes otherwise he will have to assume the consequences. My brother did not receive any credit slip or chargeback approval letter from the merchant to prove they agree he is due credit for this {$4000.00} charge. Documentation that supports my position has already been submitted to the email address XXXX Please, note that Apple Credit Card was utilized as part of a more significant payment made to XXXX XXXX XXXX My brother paid the total cost upfront as per the balance of the contract. The job the merchant started is not finished, and he did not provide the service they agreed upon in the contract. XXXX did nothing correctly at my XXXX house and didn't repair things.\n\nI am going to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute results in which the provisional credit issued to the account is now permanent. Apple credit card should have the provisional credit permanent according to consumer protection they offer and in this case for uncompleted job and poor workmanship.\n\nPlease, know that on or about XX/XX/XXXX, the state of New jersey revoked the license for XXXX XXXX co which it can be seen at my brother 's attorney filing document submitted to the NJ court. Referred page 11 and EXHIBIT \" J '' I would appreciate it if Apple Credit Card by Goldman Sachs could expedite a permanent adjustment process. Please keep me updated on the progress. If you require any further information, please feel free to reach out to me.\n\nThank you for your attention to this matter.\n\nI look forward to a prompt resolution.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/8064695", "source": "cfpb", "group_id": "cfpb/a153f51429134c7a3237", "variant": "clean", "length_bucket": "long", "chars": 7673, "company": "GOLDMAN SACHS BANK USA", "date_received": "2023-12-27", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "a153f51429134c7a3237fa06bd4c134a994981187e9b2a31cad1bdc39c9213cb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear CFPB, I am writing to file a complaint against OneMain Financial regarding their use of high-pressure sales tactics and potentially misleading information about application deadlines for a title loan. I believe these practices may violate CFPB rules and regulations, particularly those related to Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and the Truth in Lending Act ( TILA ).\nDetails of the Incident : I recently applied for a title loan through OneMain Financial, which resulted in a hard credit pull.\nFollowing my application, I received an excessive number of phone calls- 5 calls within 3 days.\nDuring my interactions with their representative, I experienced several concerning practices : a. The representative used high-pressure sales tactics to rush my decision-making process.\nb. When I expressed needing more time to consider the loan, the representative provided ambiguous or potentially misleading information about application deadlines.\nc. The representative implied various arbitrary deadlines ( Friday, then Monday, then Wednesday ) for submitting my information, creating a false sense of urgency.\nd. Only after I voiced concerns about these tactics did the representative disclose that the actual deadline was 26 days from the start of the application.\nWhen confronted about these tactics, the representative denied using them, stating she never explicitly mentioned the earlier deadlines, despite heavily implying them during our conversation.\n\nPotential Violations : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The creation of artificial deadlines and false urgency could be considered deceptive, as it misled me about the true nature of the offer and the time available to make a decision.\n\nTruth in Lending Act ( TILA ) : The high-pressure tactics used may have been an attempt to rush me through the disclosure process or obscure important information, potentially violating TILA regulations.\n\nRequest for Action : I respectfully request that the CFPB investigate OneMain Financial 's sales practices, particularly regarding : The use of high-pressure sales tactics.\nThe creation of artificial deadlines and false sense of urgency.\nThe clarity and accuracy of information provided about application deadlines and processes.\n\nI believe these practices not only affected my experience but may be impacting other consumers as well. I ask that appropriate penalties be applied if violations are found, and that OneMain Financial be required to revise their sales practices to comply with CFPB regulations.\nThank you for your attention to this matter. I am willing to provide any additional information if needed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9417693", "source": "cfpb", "group_id": "cfpb/e60505dcb520199edf00", "variant": "clean", "length_bucket": "medium", "chars": 2683, "company": "OneMain Finance Corporation", "date_received": "2024-07-03", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Can't contact lender or servicer", "sub_issue_raw": "", "text_sha256": "e60505dcb520199edf00717faeea64bbb1fa734c85399c3be8f9515549aed0e7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To Whom It May Concern : We are writing this complaint out of shear frustration after dealing with an already stressful year in 2020 being adversely impacted by the coronavirus financially, CMG Financial has been haphazard in their handling of our mortgage as the servicer. Specifically, I would like to highlight their inability to share information with accuracy and communicating in an expeditious and factual manner that enables the mortgagee to make informed decisions. Please see the timeline of events below : XX/XX/XXXX Contacted CMG to enroll in the COVID-19 Mortgage Forbearance Program due to significantly reduced income as a result of the pandemic. Over the phone we were advised that we could enroll without any paperwork over the phone for a period of 12 months with the option to put the years payments on the back of the loan with a partial claim.\n\nXXXX XXXX With this assurance we were able to breathe a bit and checked back in to confirm if there was anything needed of us in preparation with the year ending in Q3/Q4. It was our plan to avoid any surprises and plan ahead since this was unchartered territory. A representative advised us that we would automatically be eligible for the partial claim option as it is on the Servicer to comply with FHA in what is offered to the mortgagee.\n\nXX/XX/XXXX XXXX auto and homeowners insurance from XXXX to XXXX, due to better rates. Provided XXXX with mailing address for CMG in order to facilitate payment of annual homeowners premium.\n\nXX/XX/XXXX Called CMG to confirm expiration of existing forbearance and was advised we needed to complete the loan modification to be considered for the partial claim and nothing else was available to extend the forbearance even with the new pending legislation under the new Biden Administration. Therefore we proceeded accordingly with completing the loan modification package.\n\nXX/XX/XXXX Learned from a third party, XXXX XXXX XXXX that our homeowners policy expired on Friday, XX/XX/XXXX due to none payment of the policy premium. We immediately contacted CMG and XXXX for clarity. XXXX indicated they sent correspondence to CMG in XXXX and throughout Q1 XXXX to avoid a lapse and never received any response back. CMG indicated they never received any information at the XXXX XXXX address which is what was provided in XX/XX/XXXX to the mortgagee. At this time, the CMG representative provided me with an email address to send the new homeowners policy ( as though it would be easy to get new insurance given the lapse and having a recent claim on file ). It was extremely troubling having learned we were without homeowners insurance following the extreme freeze which had recently occurred in the XXXX area.\n\nThere were subsequent calls to CMG to share our disdain and disappointment for placing us in this position. XXXX with CMG, ID # XXXX handled the bulk of the call, took notes and called back to advise us there was nothing to be done to recover the expired homeowners policy with XXXX.\n\nOur quest began to shop for homeowners insurance, now with two negatives : Lapsed coverage, Potential increased/higher premium, and Current/recent homeowners claim In desperation we were only able to obtain a policy which nearly doubled our annual premium with our last insurer from {$1600.00} to {$3300.00} with XXXX XXXX. There were several nos before we got this latest coverage. In fear this policy would also lapse from non-payment by CMG, I made sure to email XXXX as advised from my last call with a CMG representative on XX/XX/XXXX. Confirmation was received on XX/XX/XXXX via email that the new policy information had been received and would be processed.\n\nAs a follow-up measure, I contacted CMG once more on XX/XX/XXXX to see what the status was on processing the new policy premium with XXXX Insurance. Upon calling, I was advised to submit the bill for the new policy to a third-party website as a surefire way that payment would be prompt. I was puzzled since I was under the impression the email and confirmation would be sufficient. As advised, I uploaded the documentation as requested to this new site. It is the inconsistencies with information that is shared with mortgagees that contributes to the continued frustration with CMG.\n\nOn a separate issue surrounding the COVID-19 Mortgage Forbearance Program, we called on XX/XX/XXXX and was advised at this time that CMG was now offering the option to extend our existing forbearance an additional 6-months which would total the allowed 18-months and expire on XX/XX/XXXX at which time the first mortgage payment would be due. The CMG representative indicated this option only opened up as of XX/XX/XXXX. Since our financial situation hadnt yet improved we requested for the CMG representative to proceed with this setup over the phone and to disregard the loan modification process which was recently initiated.\n\nOn XX/XX/XXXX we inquired on another issue regarding the handling of the shortage on the account but continued to be routed to the loss mitigation group. While in this maze of calls, we inquired about the status of the 6-month extension for the existing forbearance. At this time, we learned that in fact the additional 6-months hadnt been added as confirmed earlier that month. In fact, the CMG representative indicated that the 6-month forbearance could not be added until the loan modification was cleared/removed from the account. We were under the impression that these things had been addressed in their systems internally. Following a lengthy phone call and extended wait times, we were assured that all had been updated as the other CMG representative was not correct in how the forbearance was entered on XX/XX/XXXX.\n\nOn the morning of XX/XX/XXXX in the 9 oclock hour we contacted CMG once again to gain more clarity as to what exactly was taking place with our mortgage account. After speaking with XXXX XXXX for over an hour in a half, we further learned the following : Mortgagees are not allowed a term of an additional 6-months forbearance, only 3 months ; Again it appears the additional extended forbearance was still not placed correctly on the mortgage account ; It was no guarantee that we would be eligible for the partial claim since their records showed we were 13 months outstanding and it was up to underwriting to review ; and We needed to check back on XX/XX/XXXX to be sure the disaster template was updated on the mortgage account by loss mitigation to the COVID-19 Mortgage Forbearance Program With an anxious feeling we had been given the run around with CMG and the level of incompetence with the many representatives and inconsistencies with the information provided, we requested to have a supervisor call us. As of the writing of this complaint the supposed request which is standard 24-48 hours timeframe to hear back from a supervisor has yet to happen.\n\nOur next steps for reprisal and accuracy of the information provided to us as FHA mortgagees prompted a call to FHA. On the two occasions we called, XXXX XXXX and XX/XX/XXXX, FHA advised us differently than what CMG advised. Attached are the concerns which were raised and the information from FHA. We have no other choice at this point but to seek help in ensuring our home is secure and sound as our primary residence following the end of the COVID-19 Forbearance Mortgage Program.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/4262036", "source": "cfpb", "group_id": "cfpb/afd83a79ef94d608bb39", "variant": "clean", "length_bucket": "long", "chars": 7366, "company": "CMG MORTGAGE, INC", "date_received": "2021-04-01", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "afd83a79ef94d608bb39581b547db988fbce416af6ea7fcfab4de01c3612d424", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This morning, I saw unauthorized inquiries on my credit report, and I dont understand why theyre there. I check my report frequently, and this time, these unexpected discrepancies have shown up. I tried refreshing the page, hoping it was a glitch, but the problem remains. Im beyond frustrated and want the documents I sent to be reviewed carefully, so this issue is resolved immediately, and I never have to worry about it again.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/10215292", "source": "cfpb", "group_id": "cfpb/fef424c956939d35fa94", "variant": "clean", "length_bucket": "short", "chars": 430, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-09-23", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "fef424c956939d35fa94b274511aedbdd209ba3eaa5681dc8a52a3ca60d77c34", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I, XXXX XXXX, applied online to a group of companies offering personal loans.\n\nI was under the impression that I was dealing with companies registered in the United States in a particular state ( Montana in this case ). It is believed that Bright Lending is charging approximately 685 % annual interest on a {$300.00} dollar loan with weekly installments of {$40.00} dollars. Three payments have been made with approximately 5 principal payments made between installment dates. Approximately {$150.00} to {$160.00} dollars up to this point has been made. Bright Lending is refusing to apply the additional payments towards principal payments. After further investigation, Bright Lending is believed to be breaking the law by charging annual rates above the State of Montana and the District of Columbia 's \" Cap Interest Rates. '' The State of Montana does not have Bright Lending or any of it's affiliates listed as registered businesses.\n\nBright Lending is believed to be working from an \" off-shore haven '' ( XXXX ) where the site is listed as being hosted via a XXXX Search. Additionally a traceroute of the IP address indicates off-shore computer servers.\n\nMy goals were to pay off the loan as quickly as possible within the District of Columbia 's Cap Rate of 24 %. It is believed that Bright Lending is a bogus site being operated by some third party refusing to be registered as a corporation in the US.\n\nIt is believed that my phones were rerouted by Bright Lending in order to put me in a compromising situation relative to the loan.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3212305", "source": "cfpb", "group_id": "cfpb/720e344adb9bf2b67a62", "variant": "clean", "length_bucket": "medium", "chars": 1548, "company": "GVA Holdings, LLC", "date_received": "2019-04-15", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with the payoff process at the end of the loan", "sub_issue_raw": "", "text_sha256": "720e344adb9bf2b67a62a3482b15df0b4e3675b04409b7cf7de3ca6aebaeba2a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased an XXXX in XXXX with a loan from HSBC BANK XXXX XXXX Sometime in XXXX or XXXX, I paid off the loan and placed the ATV on non-op with the XXXX DMV. Recently I have fixed the XXXX and went to register it to find that I still have a lien on the title from HSBC BANK XXXX XXXX. The DMV said that I will need a lien release from HSBC BANK XXXX XXXX. Below is a summary of the times I reached out to HSBC USA ( took over HSBC BANK XXXX XXXX ) and the outcomes.\n\nXX/XX/XXXX : Called HSBC USA and was given an email address ( XXXX ) to send details regarding my request. I sent a .jpg image of the vehicle registration to the email address and asked for them to look into the title / lien release. I was told I should have a response within 4 to 5 days.\n\nXX/XX/XXXX : Follow up email sent asking for an update.\n\nXX/XX/XXXX : Called HSBC again to follow up and was given a timeframe for response of 7 to 10 days, which has elapsed as well.\n\nXX/XX/XXXX : First response from XXXX ( XXXX XXXX XXXX ) saying they could not open the attachment and to send them : Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to. I responded with all the requested information that day.\n\nXX/XX/XXXX : Email from XXXX ( no person named ) asking for Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to ( again ). The reply had the original picture of the registration in the body of the email, which has all of the requested information as well. I replied back that day saying this is the 3rd time I am now sending them the information but again, give them all of the details they are requesting.\n\nXX/XX/XXXX : Email from XXXX ( XXXX XXXX ) asking for Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address to send the lien release to ( again ). I reply that day stating this is now the 4th time sending the information but yet again, send the details in the body of the email. I get a response from XXXX XXXX XXXX stating : \" We are sorting all No interest letter request from XX/XX/XXXX to XX/XX/XXXX. If you send multiple request during this period. Youll be receiving responses for all the emails you send especially if details provided are not complete. '' This email showed all of the details I had sent them early in the day with all of the information they were requesting ( Registered owners name, Year, Make and model, VIN and Requestor name and Mailing address ). I replied with \" I am not sure what that all means but can you now confirm you have all of the details you need? As I mentioned, I have sent all of the information 4 times now. I did not reach out till XX/XX/XXXX originally with this information, then again on XX/XX/XXXX, followed by the same request on XX/XX/XXXX and yet again this morning. '' XX/XX/XXXX : I called HSBC USA to follow up on this matter. I was on the phone with them for an hour and ended up talking to a virtual assistant in another country who was chatting with XXXX XXXX XXXX about all of the emails she or no one else had looked at where I provided all of the requested information. XXXX then replies to my email with \" I have responded to the representative you speak with last time. Please see attached email and request. '' Although, nothing was attached to the email. After speaking to a manger of the call center, we finally got XXXX to figure out how to attach a letter to an email ( attached ). I took the letter to the DMV and was told it will work if it is notarized and an original is submitted.\n\nXX/XX/XXXX : Sent email to XXXX stating that the DMV needs a notarized document and that the year of the vehicle was wrong ( XXXX instead of XXXX ). I received a reply from XXXX XXXX XXXX stating \" Our No interest letter does not require signature or notarization. '' I took this to the DMV and was given form REG 166 and told that HSBC will need to fill out, notarize and send me the original document. I pre-filled out REG 166 with my information and the vehicle information and sent it to XXXX. 2 hours later, I receive an email from XXXX ( XXXX XXXX ) stating : \" HSBC is required by law to retain account records for 7-years. I understand your concerns were addressed with our Customer Service team on XX/XX/XXXX. Enclosed is a copy of the letter sent to you on XX/XX/XXXX in response to your request for a lien release. Im sorry for any inconvenience you may have experienced. Since there is no record of bank error, we respectfully decline your request for compensation. '' I replied : \" My concerns have not been addressed and I am not sure exactly what prompted your email as I sent the below message to your titles team 2 hours ago. No letter was sent to me on XX/XX/XXXX, rather this letter was pre-dated, the titles team doesnt know how to attach a file to an email or you have the wrong information. It is my understanding that HSBC US and HSBC BANK XXXX XXXX are one of the same origination at this point and HSBC BANK XXXX XXXX is still a lien holder on my title. I continue to be talked to and sent messages that are only circular arguments that make no sense. The DMV will only accept a notarized document ; your no interest letter may not require notarization but the DMV has their own, which coincidently, needs to be notarized. Please see attached for REG 166 ( that I have pre-filed with the correct vehicle information ), fill out section 3 on behalf of HSBC BK XXXX XXXX have the form notarized and mail me the original. If you can not view the pdf attachment, you can find the form here : XXXX XXXX XXXX '' I am getting nowhere with this and need someone above HSBC and their internal teams to get a resolution here. At this point I feel that HSBC is abusing their power over the situation to the point of harassment ( a behavior which is intended to trouble or annoy someone, for example repeated attacks on them or attempts to cause them problems ) and insanity ( doing the same thing over and over and expecting different results ). Along with all of the email exchanges, I have had multiple phone calls ( that all went nowhere ) and made multiple trips to the DMV to try to get this taken care of. I am not sure what else I can do as XXXX DMV is requiring a notarized document and HSBC is refusing to release the title or notarize the document.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/7142368", "source": "cfpb", "group_id": "cfpb/b62fef6500021634413f", "variant": "clean", "length_bucket": "long", "chars": 6386, "company": "HSBC NORTH AMERICA HOLDINGS INC.", "date_received": "2023-06-20", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Unable to receive car title or other problem after the loan is paid off", "text_sha256": "b62fef6500021634413feb34ecb12712fcc5f2786fb818dab98d051c00f583f3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "For some back story, when on vacation in XXXX in XX/XX/, I was XXXX and had my phone stolen. Because I was under the XXXX XXXX XXXX XXXX they gave me, they had full access to my phone and all of the banking apps, and cards connected to XXXX XXXX. Along with taking Cryptocurrency ( long gone ) and transferring money via XXXX XXXX ( also long gone ), they made {$360.00} in purchases on my Navy Federal Debit Card via XXXXXXXX XXXX. They purchased XXXX gift cards, XXXX gift cards, and more before Navy Federal shut down my card for Fraudulent Activity. They also froze my Checkings Account for fraudulent activity. They did both of theses on their own before I reported the fraud myself.\n\nThe next day I called Navy Federal and told them the full story and submitted a fraud claim over the phone. After about a month they denied my claim stating it wasn't fraud ( despite them freezing my card and account for fraud before I even told them to ). I appealed the denial and answered in detail all of their questions as well as provided screenshots of emailed receipts of all the fraudulent activity not only with my Navy Federal account, but my other banking institutions as well ( XXXX, XXXX XXXX, XXXX, etc ). They denied the claim once again, this time only saying \" no pertinent information was provided. '' I have been a member with Navy Federal for 5+ years and for them to insinuate that I'm fraudulently submitting this claim for a mere {$360.00} is disappointing.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/7766566", "source": "cfpb", "group_id": "cfpb/1b43cfa612631e853107", "variant": "clean", "length_bucket": "medium", "chars": 1472, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2023-10-28", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "1b43cfa612631e8531071e20019563022c787292fbe34ac5672b1e93fd8236d3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX, an attorney requested the Pennsylvania Bankruptcy courts for a XXXX stay on the sheriff 's sale of my elderly parent 's home as a cause of the pandemic their business closed permanently. Then my father had a bad side effect of the vaccine which added additional costs medication {$2000.00} out of pocket every month health for an XXXX man and XXXX wife my mother and father. So I had 90 days to find a mortgage apply qualify approve and close all before the XXXX stay on XX/XX/XXXX XXXX XXXX Sheriff sale. With no time to spare we settled on Monday, XXXX the XXXX at XXXX XXXX XXXX I was referred to Movement Mortgage, by XXXX XXXX I believe he is the owner of the franchise Movement is a bank, broker, and lender. XXXX started the process immediately however I was well prepared with my documents so in no time we progressed quickly. By the third of XXXX, a woman by the name of XXXX had called me introducing herself as the Title company and what she said was textbook straightforward, she said she was going to pull the title Check for liens, then prepare a pre-title report. and distribute one to me as the buyer and one to my parents as the seller. XXXX said that she would call me back as so as the report was done so we could review then make decisions on it validation and correctness. A month passed and the mortgage loan assistant XXXX called me and said that we would have to raise the mortgage amount because of tax liens and let it as that. So I request a copy of the pre-title report promised to the seller and buyer a month prior. I did not receive the report nor did my parents and no call came either from XXXX. XXXX called me and asked if I knew anything about a second mortgage so I told her I would look into it and I asked for a list of all the liens that were changing the purchase price from {$300.00} to {$390000.00}. XXXX came and went still my request to know what I was paying for was denied. I asked XXXX XXXX XXXX while I was totally burdened with work to finish I started to complain about a {$4100.00} Price tag for Title and she has not delivered as promised, The owner XXXX was no help he would yell, and raise his voice if I didn't produce documents fast enough yet my only request was for the title company and mortgage company to full disclose important information regarding the loan amount that now jumped to {$390.00} plus {$18000.00} due at closing. Well, XXXX finished out and underwriting gave the green to close on Thursday Monday was the day to settle. On Friday I spoke with the loan Assistant XXXX and I said I demand that you give me the pre-title report I want to see what's going on The amount was {$73000.00} that I had requested and taken out on loan to pay back and still had no idea what I was paying for! XXXX the loan assistant told me that she would send the liens to my email address on Friday afternoon which she lied to me about. Still Monday morning now the day of settlement The title agent emails and states that if the liens are not paid we will Lose the house to XXXX XXXX XXXX XXXX and XXXX state the same and tell me not to worry about the liens I can come back to them later. Now it's XXXX the XXXX 2 months 3 weeks had passed from the original conversation that I had when XXXX called from Clear to close the Settlement company in XXXX Pa when she informed me of the procedure and protocols it's the law to disclose the findings of the titile company that I had to Pay {$4100.00} because no matter how many times I said I didn't want the additional owner insurance they refused to take that off the settlement sheet after numerous request. {$1200.00} The corporate office in South Carolina did my underwritten and XXXX was the processor. Movement Mortgage had already charged me a percentage for the loan amount underwritten was include however I was billed {$990.00} regardless of how many times I asked to have that removed, I finally received the liens 5 of them via email at XXXX ; XXXX just XXXX minutes before the title clerk arrived. The last lien for XXXX XXXX of {$48000.00} was received XXXX hours after the settlement had ended Via email. Monday afternoon I asked XXXX if my attorney had picked XXXX for the title because he was the only one I gave permission to hire a title company complaining that she fail it disclose {$78000.00} in Liens to myself and both my parents we were held hostage we had no rights what so ever. and we did not receive due and timely notice The {$48000.00} second and all the liens would have come off if we had the opportunity to address them with the bankruptcy attorney because in XXXX my parents sold a commercial building that had sold with a larger surplus! At The XXXX XXXX sheriff 's office in XX/XX/XXXX Im also complain that the surplus was taken no monies were given to my parents I was the under bidder it sold for {$330000.00} with {$210000.00} covering all the liens secured and seconds the {$48000.00} XXXX XXXX is mentioned in XXXX XXXX as {$000.00} on line XXXX and line XXXX of XXXX XXXX my parents are in. Two days after Closing I spoke with the Owner of the franchise movement mortgage located in XXXX XXXX Pa XXXX on XXXX XXXX. XXXX XXXX said and I quote '' we were worried that your parents and you were going to lose the house by sheriff sale if we would have given you the lien information. You can address that later. That is a poor justifcation for these 3 working together all the time and they have abused 2 elderly adults and have refused us our rite to disclose information and give us the due process of the law acted discriminatly.I believe since the ability to address {$71000.00} in liens was never given to use myself and parent 's I believe the three who worked together and held us up giving us no choice but to pay or lose the house, they should be made responsible to pay all the liens for taking part in something so unethical. We expect some return cash out of settlement that I already committed for my parents and we feel robbed violated and cheated these people, bankers and title company should me made responsible thank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "closing", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/6205484", "source": "cfpb", "group_id": "cfpb/d9ac183bdc030c1e5cc1", "variant": "clean", "length_bucket": "long", "chars": 6094, "company": "Movement Mortgage LLC", "date_received": "2022-11-15", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "d9ac183bdc030c1e5cc125a2bf08804dfe79ab42b8dc436410684d60116e72b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Creditor : PLAZA SERVICES Collection amount : {$7600.00} I noticed that the Debt in the amount of {$7600.00} has not been reported to XXXX but is reported to XXXX deeming this Information to not be 100 % accurate, inconsistent, and is not reported to all bureaus. The Fair credit reporting act states that all information reported to credit bureaus has to be 100 % accurate. If this debt is accurate why is it not being reported to all XXXX credit bureaus?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5344611", "source": "cfpb", "group_id": "cfpb/e3ac1031ae661ebe0cc9", "variant": "clean", "length_bucket": "short", "chars": 456, "company": "BTH Management", "date_received": "2022-03-21", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "e3ac1031ae661ebe0cc900767e9af0e8307299c5c337616ea289dc15ef264fad", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX. They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2715097", "source": "cfpb", "group_id": "cfpb/2da281dd6a43b437c838", "variant": "clean", "length_bucket": "medium", "chars": 2587, "company": "Navient Solutions, LLC.", "date_received": "2017-10-29", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Can't temporarily delay making payments", "text_sha256": "2da281dd6a43b437c838807ba94251a30ae70e27a140dbc4859a9e70d0c25b26", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "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.\n\nXXXX 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 has violated my rights.\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 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.\n\n15 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.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6468432", "source": "cfpb", "group_id": "cfpb/d780da32680c7713c35f", "variant": "clean", "length_bucket": "medium", "chars": 1224, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-01-21", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "d780da32680c7713c35f3242c28a3cba2eda7fd53b0a54c362c24b6491bc5cdf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/year> a personal loan through XXXX was finalized and documents were signed. SOFI requested a voided check be uploaded to verify the correct account for deposit of funds, which i had desired to be my long standing personal checking account, externally. My credit union provided me a XXXX XXXX form in lieu of a voided check, as i do not have checks on my account. My bank also supplied me a certified letter to verify account ownership, yet SOFI refused to accept the documents and I was forced to set up a checking account with XXXX to receive the funds, which i then had to transfer to my desired account using XXXX.\n\nThe account i wanted the funds deposited into, is the same account that my automatic payments were to draw from, as indicated in the XXXX XXXX documents i completed with SOFI, yet, without my consent, this was changed to the new SOFI checking account, and has since resulted in a late payment.\n\nSOFI used shady tactics to coerce me into setting up an account with their bank, and are now using the same shady tactics to coerce me into using this account, in what I believe is an attempt to defraud their funders and investors into thinking the bank has more transactions than is accurate.\n\nI have documented chats with SOFI support ensuring me that the account I listed was the account that would be drawn from, yet that was false, my bank has no record of an attempt ever being made. SOFI claims the payment was returned due to insufficient funds, which again is false as they never attempted the debit as they claim.\n\nSOFI is dishonest, shady, and possibly fraudulent. They have lied to me on recorded lines several times and are actively working against me in my good faith attempts to pay my debt in a timely manner.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "making_payments", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/9465052", "source": "cfpb", "group_id": "cfpb/eb7d99e0ea52b95d7b3c", "variant": "clean", "length_bucket": "medium", "chars": 1750, "company": "SOFI TECHNOLOGIES, INC.", "date_received": "2024-07-09", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "eb7d99e0ea52b95d7b3cab6cf45912b401a30354710f085087a982aa23e495e5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "EdFinancial Services has been transitioning into their new system. I made a payment to pay off three loans in XXXX. There was no issue with the payment or it being applied to my account. Now that payments are set to be due in XXXX, there is no online payment functionality to be found. My account keeps showing a XXXX dollar balance even though I have multiple loans accruing interest at this point. I can't make a payment at all. I have tried contacting the company through phone lines, but never get through. I have sent an email from their site. I have tried using their chatbots to get ahold of someone. This is completely unacceptable.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7599013", "source": "cfpb", "group_id": "cfpb/fb623af6169c9f7d639b", "variant": "clean", "length_bucket": "short", "chars": 640, "company": "EdFinancial Services", "date_received": "2023-09-25", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "fb623af6169c9f7d639b0d81f89c4580e1623f01a5e9731a864d86ee54426c1f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/22 received voice mail from woman, XXXX, claiming to be from ASG. she states no 1099-C tax form has been filed yet. she says i can make online payment with 10 % discount at XXXX and she doesn't give me an amount owed or who ASG is collecting for.\n\ni XXXX it and this is apparetly a known scam? per websites i read that the site is not secure and they can get your info that way.\n\nphone number she called from : XXXX when i call the number back i can't get to a person. an automated voice askes if i am XXXX ( I am not ). states that i should then leave my name and number on their recording and they will remove my number from their call list.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5701441", "source": "cfpb", "group_id": "cfpb/a6e7839c5c476dc7b6db", "variant": "clean", "length_bucket": "short", "chars": 653, "company": "Accelerated Servicing Group LLC", "date_received": "2022-06-23", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "a6e7839c5c476dc7b6db91cfcb0a21fd7ce95eecd6130c48842eb3c36de1b0f0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have now been served papers and have 10 days to respond. I'm not sure where or what else to do. I am planning on going to the Attorney General after work today. I have filed complaints with the FBI/IC3 and the FTC.\n\nI have all the chats and pics on my phone you can have access to. I also know the name of the actual person the scammer is stealing pics from. I'm even willing to video chat with the scammer to get a good image of him to help catch him and the group he works with/for.\n\nMet on XXXX XXXX on XXXX XXXX. His name \" XXXX XXXX ''. He said he lived in XXXX XXXX at XXXX XXXX XXXX XXXX, and worked for XXXX, which has since closed down at that city.\n\nHe told me he was born in XXXX XXXX, due to father 's job they moved to XXXX XXXX when he was XXXX. Said dad was XXXX, mom XXXX and sister XXXX. He told me he had to go to Oregon to the main branch to cover for a coworker vacation time and was leaving Sunday night but would be back in 2 weeks.\n\nWhen that time came he said they got a contract with the XXXX to do some software program and was leaving for Maryland on Saturday. He had me believing that we would buy a house, get married etc when he got home. He told me to open and account at MACU so he could transfer XXXX into it and then had me move it to XXXX. He said it was so he could trade and increase it to XXXX and then he would have me put it down on a house. He was delayed 2 times coming home. In the last week of XXXX, he told me he was done and waiting for his last check. He told me that he wanted to put me as the beneficiary on his work records. He said they would verify me and my identity through XXXX off the IRS website. When I checked on the website it did say they use that verification system for other government offices, so I didn't question it. I did a video meeting with the XXXX XXXX ' representative, which also looked legit.\n\nHere is a list of notes I kept on ( XXXX XXXX XXXX XXXX XXXX XXXX : I did an email to keep separate from my personal emails. It is XXXX The following accounts were opened due to how smooth this scammer was.\nMountain America Credit Union ( account is closed ) and XXXX.\nXXXX ( which I do use, but originally opened for wire transfers to put down on house ) XXXX XXXX XXXX XXXX ( account closed per my request ) Opened ATM and IRA.\n\nACTIONS DONE : He transferred money from an account into the MACU account. He told me to keep {$500.00}, and transfer {$9500.00} to the XXXX account. I didn't pull that {$500.00} out. I have receipt for the wire transfer done. I didnt know it wasnt an unauthorized transfer until weeks later. I did use {$130.00} for tires for my car, which I am willing to pay back that amount.\n\nHe had me try to add 2 more accounts manually to MACU, which didn't attach.\n\nHe told me he wanted to add money to my IRA. He mailed a check to my CU in XXXX XXXX off XXXX XXXX. The check was for $ XXXX. There was a letter with the check from XXXX XXXX XXXX, XXXX XXXX XXXX. The check from XXXX XXXX XXXX XXXX XXXX XXXX, ck # XXXX. This was shipped via USPS from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX. My CU refused this payment and scanned it all in.\n\nWhen this one didnt work, he sent me another check to my home address and wanted me to deposit it myself. The check was from XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX FL. Check # XXXX, through XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. It was mailed via USPS from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX.\n\nI had no idea the transfer was an 'unauthorized '' transfer until a month later when I received mail from Mtn AmerXXXX XXXX I told them I would get it taken care of. I told XXXX and he said he would fix it when he got back home.\n\nNow that collection is at a law office and I don't have that kind of money. I went on their website and wrote them telling them it was a scam and I was completely unaware when all of it happened. I need to get this removed off my name as I can lose my job, security supervisor. I would have never done anything like this because first I'm honest and have worked hard to better my life and credit. Second this will have bad ramifications on my job which I've been with the same company for over 8 years.\n\nI worked really hard at earning his trust and got him to tell me his real first name is XXXX, XXXX XXXX name. He said he is in XXXX XXXX. I have earned XXXX 's trust and he sent me a pic but kept his face hidden. He is willing to video chat with me, but I haven't done it yet. I don't know if it's smart to keep him thinking I'm not reporting him, so as to keep an open line of communication to use for your or any other government investigation. I have kept good records of everything and hope it can help somehow.\n\nI need help to stop this lawyer and Mountain America from trying to get money back from me or garnish my wages. I barely make ends meet as is and anything extra will push me to homelessness. I'm barely keeping my mental health together as I lost my husband on XX/XX/XXXX to XXXX. I can't even pay for his cremation to bring him home and feel horrible for that, not to mention the whole scam thing and damage done to me and the person whose money was stolen from XXXX.\n\nI can be reached via email : XXXX or phone ( XXXX ) XXXX but won't answer if I don't recognize the number due to all the telemarketing calls, so leave a message and I will definately call back. I don't need any more problems.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/7210161", "source": "cfpb", "group_id": "cfpb/53a6fc2b26b76fd05602", "variant": "clean", "length_bucket": "long", "chars": 5426, "company": "MOUNTAIN AMERICA FEDERAL CREDIT UNION", "date_received": "2023-07-05", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "53a6fc2b26b76fd0560265fa535af8df9787bbbb9449d8a04f8b0199f25230c0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX of XXXX I purchased a house from XXXX XXXX. This was my first house and I was not aware of all the things that went into purchasing a home. A friend of mine had a realtor they recommended and so from that suggestion, I gave her a call. I found her to be pleasant and she seemed very helpful. She works often with XXXX XXXX XXXX XXXX ( XXXX ) and that is who she chose to handle my loan.\nXXXX began to collect bank statements, run my credit, the works. What I didnt know, was they would have me pay off credit cards in order to get approved for the loan, money I was looking to put down on my house. There were so many things I had to pay off before I could qualify. Now this is fine, but this is the start of information they did not disclose to me. XXXX disclosed information in parts, to where it would seem I had no choice but to move forward with their recommendation. They prepared my loan and shipped it off to the highest bidder. I know this is now part of the business now, but I feel someone should have disclosed to me that I had more options than what they presented. I was approved for the loan and I have been the happy homeowner of my house for the past year and 6 months.\nSince then, Dovenmuehle has picked up my loan from XXXX and I have continued making my regular monthly payments, never late I might add. On XX/XX/XXXX of XXXX, I received a letter from Dovenmuehle staying they have not received proof of hazard insurance and they have purchased a policy to protect their interest on the property. It also advised that if I had purchased a hazard insurance policy that they would cancel the policy they obtained. This letter came as a surprise to me. During the process of getting approval for the initial loan, I was required to provide a quote to XXXX of the homeowners insurance that I was wanting to use for my home. I provided such quote from XXXX and was under the impression that the policy was purchased and was in effect for the past year and six months. Still confused, I contacted Dovenmuehle, the rep I spoke with stated that there was no hazard insurance on the property. I asked how this could be possible as I provided XXXX information when I had closed on the loan and they stated that a policy was never purchased. I asked how it was possible that a year has gone by without anyone noticing and the rep was speechless at this point. She disclosed that audits get done every XXXX and advised that one was never done on this account and stated, we forgot about you. Now, to my understanding, they are required by law to audits. Furthermore, I am not sure how I was able to close on the loan when a homeowners policy was never purchased, also a requirement to my knowledge. I never once received one email, one phone call, or letter from Dovenmuehle advising me of not having hazard insurance until XXXX of XXXX, more than 1 year later.\nThis began the process of me searching for answers. I pulled out my closing documents and saw that it spells out word for word in the breakdown I was being charged {$560.00} for Homeowners Insurance Premium ( 12 mo. ) to XXXX XXXX XXXX XXXX and the next line indicates {$140.00} also for Homeowners Insurance {$47.00} per month for 3 mo. Where did this money go if it did not go to a homeowners insurance policy? I also pulled all my monthly mortgage statements to review. Every month for the past year, according to my statements, {$230.00} has been allotted for Escrow ( taxes and insurance ) but I am not sure where that money has gone if no insurance policy was ever purchased.\nSince this homeowners policy was purchased by Dovenmuehle, as of XX/XX/XXXX, I am being required to pay an additional $ 200+ a month of back-payment because they advised I must pay for not having insurance on my home for 14 months. What happened to the money that was allotted for Escrow over that past 14 months? Where did that money go?\nI have been told by XXXX as well as Dovenmuehle, which this almost never happens. Ok great, but I am still stuck with paying extra each month until I meet the forced insurance, which is around {$1500.00} and some change. Either way I am still confused on how I got into this position. I have never missed a payment I have never been late on anything. Why did I not have insurance? How did my account get out of underwriting with no insurance? What would have happened if something catastrophic would have happened to the house?\nAround XXXX or XXXX, I received a call from XXXX XXXX from XXXX about refinancing my loan. I was familiar with XXXX, as he was the one who handled all the documents and closing when I initially received my loan from XXXX.\nNow this is where things get interesting with XXXX In one of the calls I received from XXXX, I asked him what happened to my homeowners insurance, he advised he had no idea but would investigate the matter and get back to me with some answers. This would go on for about three weeks of him getting answers. XXXX never explained what had happened but advised that he would get my money reimbursed. He told me that he would send me a check in the amount of {$560.00}. I mentioned to XXXX how I had to pay more now for my mortgage because there was no hazard insurance on the house for the last year, but he still seemed more interested in still having me refinancing with XXXX. He then continued to call me every other day to get me to refinance my home, I quit answering my phone and to date, I never received that promised check.\nI was still confused as to where my money had gone and decided to contact the title company, XXXX XXXX. I spoke with XXXX XXXX and she said she would look at the information for me. Right off the bat, she noticed that XXXX never sent my check for {$560.00} anywhere and it sat. She investigated things a little further and noticed that the original breakdown of my mortgage was off. States that whoever put the numbers together for me did not have enough coming out for a few things.\nNow this may explain why I am in the hole, but I am just not sure anymore. I dont know who is telling me the truth about what happened. Did XXXX notice this and just not tell me? I dont know, but he never brought this to my attention. I dont find any of this to be fair, I got the short end of the stick. I turned in every document they asked me for, I paid off debt they asked to pay before closing, I took XXXXs and Dovenmuehles advice, and it has not been in my best interest. I did my part ; I have never missed and payment and still have not missed a payment despite having to pay {$200.00} more each month because of XXXX/Dovenmuehle mistake. I can honestly say is has been a struggle to come up with the extra {$200.00} a month. Its XXXX near been impossible with the COVID-19 going around. I am down XXXX jobs, but still holding up my end of the deal. I do not feel XXXX and Dovenmuehle treated me fairly in this matter and frankly, no one seems to care.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3663192", "source": "cfpb", "group_id": "cfpb/b87de57447e15e3a86a1", "variant": "clean", "length_bucket": "long", "chars": 6934, "company": "Dovenmuehle Mortgage, Inc.", "date_received": "2020-05-21", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "b87de57447e15e3a86a192bea72f518866ac1e6cc9f62340b752df7a3792236e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX from Recovery Solutions Groups LLC. is trying to collect for a debt, which # 1. This company ( RSG ) is not Licensed in Idaho.\n# 2. He has not sent me a copy of this so called bill, even after I informed him of not receiving the bill, which I found out from ( XXXX owner of XXXX XXXXXXXX ) the company had sent bill to wrong address, after having my address for over 25 years.\n# 3. He called at XXXX, a clear violation of collections acts. I have recorded calls. He also called over 25 times in a day and kept calling after I notified him not to call.\n# 4. After filing a dispute with his company, he refused to send me copy of the current bill.\n# 5. after I made payment of {$700.00}. to debtor he still called and sent threatening letter.\n# 6. He ( XXXX ) had a third party call and threaten he was going to trespass on my property in order to take pictures of my private property.\n# 7. The XXXX. also threatened a lien which by law he ca n't do because ; ( A ) past 90 days.\n( B ) work was not performed on my property.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2722994", "source": "cfpb", "group_id": "cfpb/6f0c5135cd5815d31ec2", "variant": "clean", "length_bucket": "short", "chars": 1039, "company": "Recovery Solutions Group, LLC", "date_received": "2017-11-07", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Seized or attempted to seize your property", "text_sha256": "6f0c5135cd5815d31ec23ca18c1c8aacec3b26ba15718f443c3f30dd82009ffa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The past few months I have been experiencing awful XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have and will continue to seek help as I go through rough time of my life. During this time, within the span of the last month I have come victim of an online casino who has exploited me and taken advantage of me in a time of vulnerability leading to me losing ever single dollar to me name and even causing my account to overdraft into a negative balance. I expressed the situation to my bank ( Wells Fargo ) and filed claims as well provided evidence of my XXXX XXXX to them and explained the merchants irresponsibility handling someone like myself with said XXXX XXXX to which they declined every single claim.\n\nI sent Wells Fargo this : Regarding my claim. I would like to clarify that my sole request is to have my money refunded from all transactions between the dates XX/XX/year> to XX/XX/year> as well as solely on the day of XX/XX/year> with this merchant XXXX XXXX XXXXXXXX, nothing from any other dates. This merchant not only took advantage of me but exasperated a XXXX XXXX person in a state of ongoing mania and uncontrolled XXXX XXXX due to said XXXX XXXX XXXX The merchant was not being responsible and lacked the legal care to see the signs that the user ( myself ) needed to be restricted and/or banned. I had previously set up multiple deposit and wager limits that they allowed to be broken and increased whenever I wanted and repeatedly as long as it was XXXX hours after increasing the limit, something that by policy should be looked at and taken seriously, especially after being in live chat during XXXX XXXX requesting for them to increase it right then and there, should be a sign to question the user to see if they are XXXX well and ask if something is wrong and if they should be restricted or seek help, but instead they would just reply, I wish I could! But youll have to wait the XXXX hours. Not once understanding that that was a huge red flag and perhaps that user ( myself ) should be restricted or spoken to with care. Instead they were enabling this manic episode. I would like to have this merchant blocked from ever receiving payments again from my card or account. I would also like them to ban me from ever using their services again. I am going to stay far away from these negative entities. I am a person struggling with a XXXX XXXX XXXX XXXX XXXX XXXX ( protected under the XXXX ). I am and have been seeking XXXX help so something like this would never occur again but its important I have the resources to continue getting the help I need, which will be near impossible being exploited and robbed of my entire life savings by this merchant. I stress again this time period of the last few months where I have been XXXX unstable and having XXXX episodes is something I am seeking treatment for. This is a XXXX XXXX XXXX company taking advantage of someone who is XXXX XXXX with a XXXX protected under the XXXX XXXX XXXX. The merchant does not care whatsoever to help the user or restrict them such as myself, nor do they question the activity on the account and frequent deposit increases despite setting limits or account deletion. These are things that should raise a red flag to the merchant. I frequently attempted to delete my account with this merchant, but the merchant never permanently deleted it and allowed immediate reactivation each time. This merchant seeks the vulnerable and takes advantage of those in XXXX XXXX, such as myself with a XXXX XXXX XXXX This merchant is irresponsible and their lack of legal responsibility for their customers is evident. This merchant has exploited me and took my money in a time of crisis and vulnerability. They would never return it to me themselves due to the fact that they are exploiters who never saw me as a human but as an object. This merchant certainly did not view me as a human with a XXXX XXXX XXXX who is vulnerable to be exploited. I have contacted the XXXX XXXX XXXX XXXX who is in charge of the merchants type of business, and explained the situation and explained they should take initiative to be sure nothing like this ever happens again. I have also contacted the XXXX XXXX XXXX XXXX. Throughout this whole fiasco of being exploited and taken advantage of in a time of crisis- I have lost my entire life savings in a time where I am trying to continue to seek help, feed myself, having to take care of my pets, as well as purchase a car to be able to go to and from work. Unfortunately, that has all been taken away due to this merchant being irresponsible to its users, exploiting them, and taking advantage. Despite my own attempts, and my own XXXX XXXX issues, they never once tried to resolve the issue or stop something like this from happening ; and they should be required to in the future with future users.\nThank you, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "charged_by_another_company", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/9197452", "source": "cfpb", "group_id": "cfpb/03cec2c7ef3431a48ec2", "variant": "clean", "length_bucket": "long", "chars": 4881, "company": "WELLS FARGO & COMPANY", "date_received": "2024-06-06", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Money was taken from your account on the wrong day or for the wrong amount", "text_sha256": "03cec2c7ef3431a48ec21e6075fc343c466ae5e41e1c0afc3633a5724159130f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to formally dispute the collection account associated with my name, account number [ insert account number ], which is currently reported on my credit report. I would like to express my concerns regarding this matter, as it has caused me significant stress and XXXX.\n\nFirst and foremost, I want to state that I have never signed any documents related to this collection or authorized any transaction that would lead to such a debt. Furthermore, I have not received any notice of collection or communication from your agency regarding this account prior to it appearing on my credit report. The absence of any notification has left me bewildered and concerned about the validity of this debt.\n\nThe presence of this collection account is negatively impacting my credit report, which is crucial for my financial well-being. This situation has not only caused emotional distress but also has the potential to hinder my ability to secure loans, obtain housing, or manage other essential financial responsibilities.\n\nI respectfully request a thorough investigation into this matter and a validation of the debt in question. I believe that resolving this issue promptly is in the best interest of both parties involved.\n\nThank you for your attention to this matter. I look forward to your prompt response.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10232474", "source": "cfpb", "group_id": "cfpb/2cc6a48f09ae0c417347", "variant": "clean", "length_bucket": "medium", "chars": 1315, "company": "WELLS FARGO & COMPANY", "date_received": "2024-09-25", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "2cc6a48f09ae0c417347e514a426d4c4887ccb29ced772a66b0c205a3b202113", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2020, my husband and I traded in our XXXX XXXX XXXX XXXX, which was financed through Hyundai Motor Finance. The XXXX had an extended warranty that we had purchased along with the vehicle in XXXX of the previous year. On XX/XX/2020, I contacted the dealership, XXXX XXXX XXXX XXXX, to inquire about how we would receive a refund for this extended warranty. I was sent the required paperwork, filled it out and returned it on the same day. I was informed at that time that the refund would take approximately 60-90 days to reach us.\n\nAfter 90 days had come and gone, I first called the issuer of the warranty to inquire about the status of the refund. They informed me that they had sent the refund to Hyundai Motor Finance at the beginning of XXXX, before I had ever even requested it. I then called the dealership back to ask if they had any information for me regarding the refund. They informed me that the refund would be issued by Hyundai Motor Finance directly, and that I would need to contact them to discuss the matter.\n\nBefore contacting Hyundai Motor Finance directly, I first logged into our account on their website and could see that there was a pending credit in the amount of {$3100.00} that began pending on XX/XX/2020. I then called Hyundai Motor Finance to inquire about this. The first call that I made regarding this refund was on XX/XX/2020. On this day, the first person I spoke with told me that an attempt to refund the money via direct deposit had been made, but that there was a problem with our bank. She told me to call my bank and see what the issue was and to call back once that issue had been resolved. I did this and called them back within the hour to make them aware that the issue had been resolved. I was informed by the person on the second phone call that the refund would be issued to our bank within 2-3 business days. I was satisfied with that.\n\nAfter that time had passed, and there was still no deposit into our bank from Hyundai Motor Finance, I called again to try and understand what the hold up was. This call was made on XX/XX/2020. On this call, I was informed that the first two people I had spoken with were incorrect and that they do not issue refund by direct deposit. The person I spoke with on this call informed me that there had been 2 emails sent to the payment processing department already, and that he was sending another regarding my issue. He told me to call back in 2-3 business days. I asked to speak with a supervisor and was informed that I was more than welcome to, but they could do nothing more for me than he did. I spoke with a supervisor anyway, and they informed me they were sending yet another email to payment processing.\n\nI called again on XX/XX/2020 and received the same responses : \" I don't know what is taking so long. '' \" There is no reason this should be taking so long. '' \" We are sending an email to payment processing. '' There had, to date, been not one response from payment processing regarding the issue.\n\nI called again on XX/XX/2020. Again, I was met with the same responses. I again asked to speak with a supervisor. This supervisor informed me that there had still been no response from payment processing and she would send an email to them herself. She also informed me that not only is there a pending refund of {$3100.00} that has been with them since XX/XX/2020, but also, another refund in the amount of {$24.00} that has been with them since XXXX of 2020 that has also not been paid out. She sent an email to her higher up regarding this issue. She told me that it would be up to 5 business days until she received a response from payment processing, but to call back the next day anyway to see if any of the previous emails had been responded to.\n\nXX/XX/2020, I called, as instructed to try and get an update. The first person I spoke with told me that there has still been no response and no check number has been issued whatsoever in either amount. I asked if there was someone that I could speak with to issue a complaint. She transferred me to a supervisor. The supervisor at first informed me of the same thing. That nothing has changed. He then placed me on a brief hold to go through the account notes and told me that in the approximately 2 minutes that I was on hold, he had emailed and received a response from payment processing. He said they issued a check number yesterday ( XX/XX/2020 ) and that it was in an envelope, ready to send out. I asked him why the first person was unable to see this in my account, and why he wasn't able to see it when he looked the first time, either. He informed me that he didn't see it because he had to \" dig ''. He could not give me a straight answer on when it would be mailed, or when we could expect to receive it. Instead, he told me to call back on Monday or Tuesday for another status report. I do not believe that the check has been issued, nor do I believe it is ready to mail.\n\nNo other person had gotten a response from payment processing from XX/XX/2020 up until today XXXX XX/XX/2020 XXXX, but he was somehow able to get one in such a short amount of time. Every person I have spoken with at Hyundai Motor Finance has informed me that the payment processing department does not have phones, and there is no way to contact them other than by email, and it takes them a minimum of 2 days to respond.\n\nIf this matter is in fact resolved before a response to this complaint, I would be happy to mark it as such, but I do want this out there, because they are a huge company and it would be ignorant of me to believe that we are the only people something like this has happened to.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3989561", "source": "cfpb", "group_id": "cfpb/9b2f44505eabd67a391d", "variant": "clean", "length_bucket": "long", "chars": 5661, "company": "HYUNDAI CAPITAL AMERICA", "date_received": "2020-12-03", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Unable to receive car title or other problem after the loan is paid off", "text_sha256": "9b2f44505eabd67a391d1db1aea0f217e62dc999c4ecb55e249a9417c3e79ba7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.\n\nAre you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have XXXX days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them.\n\nI demand the following accounts to be verified or removed immediately.\n\nAcct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\nAcct Name XXXX XXXX ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\nAcct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\nAcct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\nAcct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\nAcct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\nAcct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.\n\n15 U.S.C 1681 section 602 A states I have the right to privacy.\n\n15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5814196", "source": "cfpb", "group_id": "cfpb/1c69037fbe85b1491c43", "variant": "clean", "length_bucket": "medium", "chars": 2412, "company": "Experian Information Solutions Inc.", "date_received": "2022-07-27", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "1c69037fbe85b1491c43f4cbbccec102efdc2f9c4a8c2564f8677c1fe85ae985", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In mid XXXX, I opened a checking account with HSBC. As part of a promotion, they said they would provide me a {$350.00} bonus for keeping {$10000.00} in the account or combination of linked accounts for 90 days. I opened the account and my $ XXXX deposit posted XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of HSBC contacted me and said if I opened a certificate of deposit and moved the funds to it, they would still count for the bonus as the CD is considered a linked savings. I have this in an email. The money was transferred XX/XX/XXXX and remains there now. It has been well over 90 days and I have not recieved the agreed upon {$350.00}, and my attempts to contact HSBC over online chat have gone nowhere. Please assist.\n\nNote : The balance of my checking account is only {$50.00} because I moved the $ XXXX to the CD account, but the accounts are all linked.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3066633", "source": "cfpb", "group_id": "cfpb/7e411243edaf86a7795a", "variant": "clean", "length_bucket": "short", "chars": 860, "company": "HSBC NORTH AMERICA HOLDINGS INC.", "date_received": "2018-11-06", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "7e411243edaf86a7795a4cdb54cc6b23c4d4172aca61880f05cbcd239e3cccf5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to express my deepest disappointment and frustration regarding the recent experiences I have faced with Bank of America. As a customer who has been with your institution since 2018, I have always been a staunch advocate, proudly recommending your services to all my acquaintances. However, my unwavering trust in the bank was shattered last month due to a series of mishaps that not only caused me immense stress but also led to severe anxiety.Being a XXXX with my family 's roots firmly planted in XXXX, my life has had its share of challenges, and the added pressure from the bank in the past month has been overwhelming, triggering XXXX XXXX. The ordeal began during a business trip in another state when my credit card inexplicably ceased to function. Despite spending days on the phone with your representatives, the issue remained unresolved, compounded by the impractical requirement of providing physical identification documents while I was away from home.Upon my return on XX/XX/XXXX, I was shocked to find a notice threatening to freeze my account within a day if the requested documents were not submitted, despite no prior email notification. Racing to the bank, I spent hours trying to rectify the situation to no avail, eventually resorting to paying {$40.00} for overnight document delivery. Today, I received the devastating news that my credit card has been closed, leaving me feeling deeply hurt and confused.As a diligent and faithful customer who has consistently met all financial obligations with the bank, the emotional toll of these events has been unbearable, reducing me to tears for XXXX consecutive days. With all my financial dealings exclusively with Bank of America, I am now seriously contemplating terminating all relationships with your institution and closing all my accounts.I implore you to conduct a thorough investigation into these occurrences and provide a resolution that addresses my concerns. The treatment I have received is unacceptable, and I sincerely hope for a swift and fair response to rectify this situation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8817966", "source": "cfpb", "group_id": "cfpb/4193a8f75c69d28febe8", "variant": "clean", "length_bucket": "medium", "chars": 2075, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-04-20", "product_raw": "Credit card", "issue_raw": "Trouble using your card", "sub_issue_raw": "Can't use card to make purchases", "text_sha256": "4193a8f75c69d28febe86e6ad6e119a2ef9dddf06e8c8c9cd3e784f689990077", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX XXXX and XXXX XXXX my wife noticed 2 suspicious items on my credit card statement online. The amounts were {$1.00} and XXXX $ and were not authorized and my wife and I reported them to XXXX XXXX credit card company for investigation of fraudulent activity. There was no additional charges until I purchased a ring from XXXX XXXX XXXX on XX/XX/XXXX XXXX {$1200.00}. Several days later my wife called to have the ring ( XXXX $ ) transferred to our XXXX card for the purpose of getting 21 months of 0 % interest on payments ( the ring was for our sons engagement and we wanted him to benefit financially with 21 months to pay and 0 % interest. On the XXXX my wife online was confirming that the transfer was made as arranged. Instead we were terrified to see a transfer that appeared in the amount of XXXX and a second transfer of a second XXXX!!! Immediately reported that to XXXX XXXX as fraud and there wasnt a XXXX $ transfer ( as the sole transferred amount ( we immediately reported that to XXXX XXXX as 2 additions of fraudulent transfers that we immediately wanted reported ) the woman XXXX gave me a employee # XXXX ) she was in the fraud division and said that she would send the report to investigators to investigate ( as were on hold I went to our mobile account and saw another charge of {$1100.00} ) when XXXX returned we told her the additional charge and assumed that the amount was about XXXX $ less than the amount authorized as the sole authorized amount but wasnt the exact amounts ( she seemed annoyed at the news we were again financially harmed ) but we figured that they didnt transfer the tax or something else because the amount was not the XXXX amount ) we told her that the XXXX transfer was probably the ring ( the remaining amount was around XXXX ish and all that was remaining on the balance after the XXXX ( again she was of little use for any reason for this not being the correct amount purchased from the jewelry store ) we had to pay the XXXX transfer because that was the plan. But she was told that the XXXX separate charges of XXXX ( total XXXX was fraud and we didnt understand how they were able to transfer money that wasnt charged on any card of ours ( again she seemed very annoyed we were financially injured for charges XXXX was not able to explain why the fraudulent charges were possible and how they could even applied the money ( transferred to us at all ) she was obviously annoyed and I didnt feel that she cared about the money fraudulently applied to my XXXX card ) I asked for a email or confirmation of my claim to be investigated. XXXX said no they were unable to do anything to help in regards to evidence of the theft her company so causally attached to my XXXX card ( I asked her permission to record the claim as her company was also recording as well ) ( XXXX agreed to me recording our conversation as record for myself to have as evidence that I reported the charges immediately upon becoming aware that they existed ) as I was on hold again with XXXX I looked at my Mobile personal checking account and was shocked to see a ( pending charge of {$830.00} to be withdrawn from my checking account and heading to XXXX XXXX??????? I asked for the reason for this and explained that they had a major issue with the handling of my credit card balance ; again she seemed very annoyed with another fraudulent transaction that I was reporting ) at this time anger was the feeling that I was feeling along with the lack of any kind of reason how this could be possible ( instead of a complete transfer of XXXX to be payed ( the only actual complete and total amount we had charged ) they were putting a balance amount of over {$4500.00} of fraudulent charges XXXX transferred over to my XXXX card ( the {$830.00} was pending and not applied yet but I saw it pending to be applied to my XXXX card!!!!!!! ) she again was obviously frustrated with my concern and angry with her company for over XXXX $ ( all fraudulent put as if I was responsible for the companys failure to protect me a customer and she said that she would had the report to investigators to investigate!!!!!!! XXXX said the company was going to contact me with the results in 6-7 weeks!!! I couldnt believe the womans words and lack of empathy her company had caused me!!! In addition she refused to give me any explanation of why the would be taking another fraud charge ( XXXX pending to be a payment to XXXX XXXX and told me she couldnt give me any information on the charges because investigators were going to do this ) I was relieved I recorded her and my conversation because I had nothing from XXXX except a fraudulent charge of almost {$5000.00} that was recklessly being my fault as she refused to even acknowledge anything about amounts of the fraud her company so causally applied for me to deal with!!!!!! Again this is recorded as evidence of the criminal activity committed against me and XXXX was annoyed that she was having to report the crimes her company committed against me!!!! I told her I didnt have a single late payment ever on any of my 7 + credit cards that I never used except to charge and immediately pay the full amount every month to have a XXXX balance!!!!! My credit report will reflect the exact same thing I just explained including XXXX late payments EVER!!!!! Now my great and exceptional credit score I so carefully protected against any negative impact was potentially affected along with the fraudulent amount of almost {$5000.00} dollars of unexplained transfers to my XXXX card. And on the as of XX/XX/XXXX was only XXXX $ with the XXXX amount that was authorized and lawful.i went from XXXX dollars of credit card debt to almost {$5000.00} within a couple days as my credit report will reflect exactly as Im currently stating. Im seriously considering civil charges against XXXX financial crimes against me and my credit that until the fraud allowed by XXXX company I was a victim and XXXX could care less of the grossly irresponsible conduct by XXXX XXXX committed against me!!!!!!! I am hoping for the investigation will again prove my innocence of all the things that I have just reported as criminal activity against me personally. And depending upon any negative impact of even 1 XXXX point will determine whether I will sue in addition to the financial crimes against me that XXXX XXXX failed to prevent or even concerned about the impact of their own negligence actions that have been unlawfully placed on my credit card ( they recklessly attached to my name!!!!!! ) I will send screenshots to backup the statements Ive made in this case today!!!! I will hold XXXX liable for this grossly negligible conduct that now has been committed to me and XXXX when she attempted to send replacement cards to mail me I ( on audio recording stated to her I did not want replacement cards of any type and also explained the financial burden her company had grossly negligible allowed to impact me a consumer!!!!! I repeated to XXXX do not send any replacement cards to me because they already had committed enough harm to me and I refused to allow XXXX XXXX to potentially expose me to being financially harmed again by sending me any further cards and furthermore explained I wanted the account closed immediately to prevent any possible additional harm as a result of there negligence and reckless conduct!!!!!! I then called and reported this activity over the phone to the inspector general and then today to the consumer finance division.,. And at this time was not surprised when earlier today my wife received an email from XXXX XXXX telling us that my replacement cards were being mailed!!!! I feel this will almost certainly be litigated in superior court because of the lack of faith I have that XXXX will correct the situation as lawfully required. XXXX XXXX ( a victim of XXXX XXXX and the negligence that theyve shown to be grossly irresponsible of repairing!!!! ) I will hold them accountable in court if not correctly in a reasonable manner I will be seeking all legal attorneys fees to be repaid to myself and ask the court to XXXX accordingly a judgment that will be an example to other companies that conduct their customers similar as I have been financially and mentally harmed by their actions and lack of action to prevent their consumers from being taken advantage as I was thank you for your time reading this and all action you take to hold XXXX XXXX liable for.. again thank you again. XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8115786", "source": "cfpb", "group_id": "cfpb/f308f04489d116b1a7ec", "variant": "clean", "length_bucket": "long", "chars": 8500, "company": "CITIBANK, N.A.", "date_received": "2024-01-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "f308f04489d116b1a7ec84f61070e0e78f3ab0d67d3a3638fc5de6d6136faa18", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I became involved with GoodLeap ( formerly Loanpal ) due to my sales representative XXXX XXXXXXXX XXXX XXXX from XXXX XXXX. He phoned another employee ( XXXX XXXX ) whom ran my credit and determined that GoodLeap was a good match. XXXX filled out the electronic application. It took many requests for this documentation to be provided to us to verify what was keyed in. Pressured sales tactics made us feel rushed without being given the option to do some research before making a decision. We were told \" this offer is only good for today ''. Long story short, we found out that the solar equipment XXXX XXXX installed was not anywhere near capable of doing as the sales rep had stated. We learned this approximately a month after the install when we lost power for the first time. Hardly anything was backed up! We immediately began reaching out to the installation company regarding this issue. Meanwhile, GoodLeap started calling when we cancelled the very first auto draft. My husband ( XXXX XXXX ) and I both explained many times to many different goodleap employees that called the situation at hand. We made known we would not be paying for something that we didn't get. GoodLeap paid XXXX XXXX {$69000.00} for solar installation. I recall on one of the phone conversations I said \" You've paid for services rendered yet those services have not been provided ''. I was informed that goodleap didn't pay for services rendered. They funded the install company for the equipment only. I found this quite interesting considering another attachment sent by goodleap to me via email showed a price for trenching .... trenching isn't done on a roof mounted system to my knowledge nor did our yard show any evidence of this been done... I have a roof mounted system... odd?? One woman I spoke with requested a case be opened to investigate the situation. We later found out the man 's name was XXXX XXXX who never got in touch with myself or my husband regarding his \" Investigation ''. Without any form of communication with the exception of one anonymous text which offered no contact information, the case was closed, and the collection calls started right back up. Each time I spent roughly 20 minutes on average explaining the situation over and over nearly each morning for quite some time. My husband saw another victim of this same situation post contact information for XXXX XXXX ( XXXX XXXX XXXX ) on a XXXX XXXX. This person claimed they felt like this employee was listening and genuinely trying to help. XXXX reached out and explained the situation again to this man. He then requested a second investigation be opened. This one was headed by XXXX XXXX, XXXXXXXX XXXX Manager. We spoke many times and exchanged numerous emails. Sadly, she more or less said the case was being closed due to not finding any fraud. This is all after I have sent her many screenshots, screenscrolls, etc to back up what I was telling her. I even provided her with screenshots of attachments sent to me by GoodLeap that the values were even different in the breakdown chart! I explained that I was very suspicious of the electronic signatures and the apparent ability to change documents signed after the fact! She could not provide me with a statement from the sales rep that had supposedly claimed he did not tell us these things we had accused him of as part of his misrepresenting sales pitch. I questioned if she actually spoke with the rep because at this point, she was closing the case and claiming she had to go off the electronic documents, not what we were showing and apparently, not off all the documentation I spent so much time providing her through the course of several weeks. Ironically, she had never updated me before this to let me know they had responded to her initial request for contact. It took me prompting by my frustration of time being wasted with no action happening. I have asked several times to be absolved of this fraudulent loan. The loan was \" cured '' pushing a payment due date out to XX/XX/2022. The installation company has since closed its doors and filed bankruptcy. I reached back out to XXXX via email on XX/XX/XXXX and again asked about cancellation as I reminded her that in her email dated XX/XX/2022 she made the comment that GoodLeap was the lender and that they could not cancel their contract unless XXXX XXXX agreed to cancel theirs first. She responded the following day ( XX/XX/XXXX ) by stating that \" Unfortunately we are not able to cancel out the contract. However, a XXXX manager will be in touch regarding turning your system on ''. Notably, it would seem she got a promotion between the XXXX and the XXXX as her title was changed to reflect XXXXXXXX XXXX XXXX Manager. I will say I think I had all I could handle by this point. Months of stress caused my tolerance and patience to disappear. I responded to her email quite sarcastically and asked if the lender would also be taking over sending me an electrician for my flickering lights? Would they be sending me the check I signed a document to receive for lost pay due to the installation company standing my husband up the day he had taken off work to allow them to fix our leaking roof they caused? etc many more questions but I ended off by stating that this was supposed to be a lender. Lenders do not take on installation obligations when the company shuts down. That is not their position in this XXXX triangle and that I would not accept a replacement solar installation company to finish this set up. This was the last I had contact with her. Monday XX/XX/XXXX I received a call from GoodLeap at XXXX. This man was explaining basically the same thing she had said. He stated the name of the installation company that would be taking over getting the system going. I told him the same thing. I do not consent. I decline. I do not accept these services. He asked why and I explained it to him as briefly as I could that we had been trying to have these bogus \" contracts '' cancelled since a month after install upons realization that we had been scammed. I told him that goodleap had paid this company to install and yet they closed and filed bankruptcy. I told them it would be in their best interest to file with the bankruptcy court and request those funds back from them. He said he had made notes of this and wished me luck. I have not heard anything from that company since. I have an inoperable system which we were lied to from the very beginning. We have been pushed through this process of continuing to get it going by XXXX XXXX amidst them having multiple appointments for damages they had to repair from their XXXX install crew. XXXX XXXX is not new to this situation. There are many out here just like us that have eerily similar stories. XXXX is quite well known to many as well. I'm happy to provide any evidence you would need to look into this matter. I'm not looking for anything for free. I work and I pay my bills. But I will NOT be paying this one and pray they don't wreck my credit. This has been a nightmare. I filed a complaint with the XXXX Attorney General 's office as well. I'll be doing the same for the Attorney General 's office in XXXX as this is their headquarter state. I will not keep quiet and be taken advantage of. This is wrong on so many levels. Every single employee I've dealt with has heard my story. I don't know how people can be in these types of jobs and sleep well at night. How can their conscious not be bothered?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "getting_the_loan", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6173703", "source": "cfpb", "group_id": "cfpb/a505c61fe6487ecbf8d9", "variant": "clean", "length_bucket": "long", "chars": 7482, "company": "Paramount GR Holdings, LLC", "date_received": "2022-11-08", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "a505c61fe6487ecbf8d9dda2389ec7217af58b6d8b0a950b9bd589fd4aee1679", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Sir or Madam, 1. XXXX XXXX XXXXXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.\n\nI immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back \" verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously \" verified '' them, I am very curious as to what kinds of \" records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4985811", "source": "cfpb", "group_id": "cfpb/defb64626fb383acd8ef", "variant": "clean", "length_bucket": "long", "chars": 5978, "company": "EQUIFAX, INC.", "date_received": "2021-12-08", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Was not notified of investigation status or results", "text_sha256": "defb64626fb383acd8ef74e4289e8979664c8fd916af08e4038df878e2bad046", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/23 my credit card number was used for fraudulent transactions. Many transactions occurred on this date and the credit card company reversed them all. Eventually though XXXX charges for XXXX XXXX appeared back on the card.\n\nI have called many times and they have credit the money back XXXX times in total but every time eventually the charges reappear. There appears to be no escalation path to Chase which will allow me to resolve this matter so I am trying here. Below is the series of debits and credits for the three fraudulent transactions ( keep in mind all stemming from the same transaction where I call and complain and they credit back and then debit again without notification ) The amounts fraudulently charged are as follows : XX/XX/23 : XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX : {$79.00} I didn't make these charges. I've never had business with XXXX XXXX XXXX. Remember that there were many other fraudulent charges from that day that were immediately removed - why they insist on not removing these is beyond me but it has been at least XXXX calls and we are not making any progress!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7883441", "source": "cfpb", "group_id": "cfpb/123d08c7de3d2a4247dd", "variant": "clean", "length_bucket": "short", "chars": 1139, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-11-22", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "123d08c7de3d2a4247ddd003591b2d180c4a5d27f4bcd5e89374bb62c57a8298", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2234487", "source": "cfpb", "group_id": "cfpb/acb35e96abfe8f2d680e", "variant": "clean", "length_bucket": "short", "chars": 416, "company": "Phoenix Financial Services LLC", "date_received": "2016-12-03", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "Frequent or repeated calls", "text_sha256": "acb35e96abfe8f2d680ea1401e080a4066fdd2cefa91524b23e2e428bb8e7eb1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Loan # XXXX Carrington lying to me for a year, prolonged the situation. Then they give me a {$4500.00} offer that I cant afford, telling me its a Covid-19 Streamline Loan. My mortgage before my wife died and monthly statement up until today was {$2800.00}. Why are they telling me I have to pay {$4500.00} now, thats not a relief. They told me that if I get a modification that the debt would be cleared because there are still programs out there and that I would get the mortgage lowered from {$2800.00}. In all my denial letters it says nothing about the Probate Decree Carrington was telling me I needed. The title issue, the person has never lived here and is not a borrower on the loan. I told Carrington this.\n\nXX/XX/XXXX my wife died. I sent Carrington her death certificate, on XX/XX/XXXX they sent me an offer for {$1900.00} for first three months. I called them on XX/XX/XXXX and they told me that the offer was no good. Im on the deed of the house and married to XXXX XXXX, Im also one of the borrowers. For a year Carrington told me that I had a lien on the house title and that I needed a Probate Decree to receive a loan modification or a loan mitigation to stay in my home. I went to the county clerk to see about the title and they told me that there was no lien. The county clerk told me to tell Carrington to give me a copy of the lien. Carrington told me that they can not give me a copy of the lien. At the same time every conversation I had with Carrington they always tell me that I need a Probate Decree to stay in my home and avoid foreclosure. I go to the Surrogate Court and they tell me that theres no need for a Probate Decree because I live in New York, there was no Will left by XXXX XXXX, Im married to XXXX XXXX, and Im on the deed. I tell Carrington this and they still tell me that I need a XXXX XXXX. I also called a real estate attorney and they told me that theres no need for a XXXX XXXX. I also reached out to a bankruptcy attorney XXXX XXXX, who contacted Carrington on my behalf with me sitting right beside her in XX/XX/XXXX. She asked why I was being told I needed a Probate Decree and the man that she was speaking to asked her who in the office told XXXX XXXX he needed a Probate Decree and that XXXX XXXX has no put in for a loss mitigation or a modification. XXXX XXXX said if that was the case then why does he have XXXX denial letters. The man who works for Carrington stayed quiet for over two minutes and then tells XXXX XXXX to tell me to put in for another loan modification. Why is Carrington lying to me and telling me I have liens on my title and that I need a Probate Decree to stay in my home and avoid foreclosure? Carrington employees from XXXX, XXXX, XXXX XXXX, XXXX and a couple of other employees told me if I clear the lien from the title and get the Probate Decree that I would have the back debt wiped clean and the mortgage lowered. None of these things pertain to my situation with my wife XXXX and me being a co-borrower. Why isnt Carrington giving me a fair monthly payment? Then out of the blue after XXXX XXXX put in the complaint for me, Carrington sent me an offer paying {$4500.00} a month. I also told them in XXXX that XXXX XXXX had died, he was also a co-signer. Then they sent me paperwork that needed to be notarized and signed by XXXX ( my daughter ), XXXX XXXX ( who is dead ) and myself. I called Carrington and told them I was still waiting for the death certificate and how can XXXX XXXX sign if he is dead. They told me not to pay the {$4500.00} because the offer had to be rewritten ( I have the email from the employee ). I was also told that they were mailing me the new offer, which I never received in the mail. I later spoke to another employee and they told me that another offer was being mailed so that I can make a payment before XX/XX/XXXX, I never received that one either. It seems like Carrington didnt want me to make a payment before XX/XX/XXXX. Im also told that there is a sale date on my house for XX/XX/XXXX, but Im getting mail and texts from realtors saying that the sale date is XXXX, XXXX. So why is Carrington lying to me again? My court case started in XXXX with Carrington. The court sent me a letter saying that all court cases were being cancelled due to XXXX. I hired a lawyer who stole my money and didnt represent me. I reached out to their lawyer XXXX XXXX ( I have emails as proof ) who gave me time to hire another lawyer ( XXXX XXXX XXXX ). I reached out to the XXXX XXXX XXXX to let them know what happened and why I didnt have a lawyer representing me. They still went on with the foreclosure.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/9124650", "source": "cfpb", "group_id": "cfpb/a0e118ed00e02954d798", "variant": "clean", "length_bucket": "long", "chars": 4618, "company": "CARRINGTON MORTGAGE SERVICES, LLC", "date_received": "2024-05-30", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "Foreclosure", "text_sha256": "a0e118ed00e02954d7983705d251c7a165bf6914c52f3146715406d28778f202", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Re : Mortgage XXXX I paid my insurance by credit card and I asked US Bank to either remove the insurance part from escrow or reimburse my recently-paid insurance premium through check.\nI already contacted US Bank about this ( and last year too ) and I was told that it's possible for me to pay insurance directly and US Bank will issue a check to reimburse me ( even though the mortgage will still include insurance as part of escrow ).\nBut even after telling me that US Bank can reimburse me through check ( and I also contacted US Bank several times regarding this issue ), it still send payment to the insurance company even though it's already paid off.\nI'm not asking a mortgage reduction and I never miss a mortgage payment. I just simply asked to pay the insurance by my own and US Bank to reimburse me by sending the check to me ( instead of sending it to the insurance company ).\nThis reflects that US Bank doesn't really care about its customers at all.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3429769", "source": "cfpb", "group_id": "cfpb/c34073d10c4752dcd50b", "variant": "clean", "length_bucket": "short", "chars": 967, "company": "U.S. BANCORP", "date_received": "2019-11-05", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "c34073d10c4752dcd50b0a3c535de07e9d778679115944fda779046e684d302c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs Bank, specifically regarding my savings account opened under their Marcus platform.\n\nI successfully opened my Marcus by Goldman Sachs savings account on XX/XX/year>, and funded it with XXXX USD without any issues. Up until XX/XX/XXXX my account was functioning normally.\nOn XX/XX/XXXX I received an email notification stating that my statement preferences had been changed, which I did not authorize. This raised immediate concern about potential fraudulent activity or a breach of my account.\nUpon attempting to access my account via the Marcus by Goldman Sachs app, I was met with a message stating that I had been locked out of my account and needed to contact their customer service.\nConcerned about potential fraud, I immediately called Goldman Sachs customer service. After being on hold for over an hour, I was informed by the representative that my account was being closed. No specific details or reasons were provided for the closure, except that it might be related to a security issue or suspicion of fraud. The representative mentioned that I would receive a formal notification within XXXX business days, outlining further steps. However, I found this lack of communication alarming.\nWhat concerns me most is that Goldman Sachs did not proactively communicate any security concerns, potential fraud, or issues with my account. As the account holder, I was never informed or given the opportunity to take protective measures, such as changing my password or verifying my account activity to ensure the security of my personal information and funds.\nWhen I asked for a reason why my account was being closed due to \" security reasons, '' the customer service representative was unable to provide any clarity or additional information, stating that they could do nothing further. I was advised to file a complaint for any additional inquiries.\n\nThank you for your time and consideration in addressing this matter", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "closing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/10295090", "source": "cfpb", "group_id": "cfpb/4263d72ba92f1ddc50ac", "variant": "clean", "length_bucket": "medium", "chars": 2035, "company": "GOLDMAN SACHS BANK USA", "date_received": "2024-09-30", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Company closed your account", "text_sha256": "4263d72ba92f1ddc50ace8ed211d1ae5a2be9fc672a7c692afa04e0de63b60b2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I've had at least 4 - 5 loans with Springleaf Financial which is now One Main Financial. I've never had any concerns about how they processing loans and they added the Disability and Unemployment loan by asking if I wanted it. Due to my credit score, I tried to use a Payday Loan to manage plumbing and electrical work in home but interest rate very high. On XX/XX/XXXX, I contacted One Main Financial for loan but was told the Underwriter stated I needed to use my car for collateral. Since the payday Loan had my title, I borrowed the money from my brother to pay it off to get my title. Once I received my title back, it was used on the One Main Loan.I wanted to add Disability and Unemployment Insurance to the loan but was denied. One Main told me I could not add because i was XXXX years old and didn't make sense. I started and researching the issue about XXXX years of age acquiring the insurance and left it alone. I called again about my account and offered an approved {$500.00} of course I accepted it. Later I wanted to consolidate my bills and they were very anxious to loan it to but wanted my other vehicle as collateral. I did not stop to weigh my options and banked on that so I asked again about adding the Disability and Unemployment Insurance and was denied. I was told because I am XXXX years old I could not add any Disability or Unemployment. I explained that I am XXXX years but still work to make ends meet. Now XXXX tells me we offer both insurances to everyone. I told not this time either time and continued to say we offer it to everyone. It made me feel he was saying I was being untruthful. All while explaining he would talk over me throughout the call until I said it is very rude to talk over someone. I'm not trying to be rude but you're not allowing me to convey my concerns. He got silent but sounds like a \" Used Car Salesman '' when they're trying to sell something with a hidden price tag. When the last loan was created and settled, my due date changed back to the XXXX of the month so I call to ask why. She said they had to change the to XXXX XXXX but once I make the first payment they would change it. However, they did not change it so I had to move money around. Usually, I keep a {$200.00} Prepaid card at home for emergency so I immediately tried make my payment. Their website would not accept it for some reason so I did a XXXX XXXX and it further complicated things. Then the money was tied up with XXXX XXXX so I had to wait until funds were back on the card. I sent One Main Financial the tracking # and explained what happened. XXXX says we do not take XXXX XXXX but they have a CODE City with them. In a panic I sent it to the wrong Code City which caused the issue. I asked if they would change my due date back to XXXX and said they would change it once I made the payment. I made the payment but it wasn't changed. On XX/XX/XXXX, I spoke to XXXX - XXXX Manager to talk to I'm about refinance so I could remove my vehicles as collateral. I explained they told me I could call in to refinance to remove vehicles. There seems to be a disconnect with provided information because sound confused. I told him having put {$1000.00} 's of dollars into the vehicles, I would like to trade them in for another vehicles. I need the trade in amount to purchase another vehicle. XXXX told me I could see how much the trade in amount was and have them to mail the payment to One Main Financial. I told him that was defeating the purposes especially if One Main is getting the down payment. He says after the get the trade in money that would lower the amount and he could refinance that amount. It does not make sense to trade in both my vehicles and give One Main the funds to lower the balance to refinance ... .That means I would not have a vehicle at all.\n\nI told I was concern about One Main setting customers up to repo their vehicles which make me very nervous. He was more concern about who told me that or where I got it from. I would he would want to assure the customer that isn't happening. I repeated the \" Repo '' vehicles several times and not one time did he assure me it wasn't true. I got off the phone even more uncomfortable, anxious and leery. I'm never late with my payments but the fact it is a strong possibility they will try it me is scary. These actions have to come from higher ups like a District Manager to sign off on. I did not have a 700 credit score but I did have at least a XXXX credit score. I asked him who makes the decision to offer a loan with or without collateral and was told the Underwriter for Loans. I'm beginning to think they are making the rules as they go and customers are suffering for it. I've had at least 4 - 5 loans with Springleaf Financial which is now One Main Financial. I've never had any concerns about how they processing loans and they added the Disability and Unemployment loan by asking if I wanted it. Due to my credit score, I tried to use a Payday Loan to manage plumbing and electrical work in home but interest rate very high. On XX/XX/XXXX, I contacted One Main Financial for loan but was told the Underwriter stated I needed to use my car for collateral. Since the payday Loan had my title, I borrowed the money from my brother to pay it off to get my title. Once I received my title back, it was used on the One Main Loan.I wanted to add Disability and Unemployment Insurance to the loan but was denied. One Main told me I could not add because i was XXXX years old and didn't make sense. I started and researching the issue about XXXX years of age acquiring the insurance and left it alone. I called again about my account and offered an approved {$500.00} of course I accepted it. Later I wanted to consolidate my bills and they were very anxious to loan it to but wanted my other vehicle as collateral. I did not stop to weigh my options and banked on that so I asked again about adding the Disability and Unemployment Insurance and was denied. I was told because I am XXXX years old I could not add any Disability or Unemployment. I explained that I am XXXX years but still work to make ends meet. Now XXXX tells me we offer both insurances to everyone. I was told not this time either time and continued to say we offer it to everyone. It made me feel he was saying I was being untruthful. All while explaining he would talk over me throughout the call until I said it is very rude to talk over someone. I'm not trying to be rude but you're not allowing me to convey my concerns. He got silent but sounds like a \" Used Car Salesman '' when they're trying to sell something with a hidden price tag. When the last loan was created and settled, my due date changed back to the XXXX of the month so I call to ask why. She said they had to change the to XXXX XXXX but once I make the first payment they would change it. However, they did not change it so I had to move money around. Usually, I keep a {$200.00} Prepaid card at home for emergency so I immediately tried make my payment. Their website would not accept it for some reason so I did a western union and it further complicated things. Then the money was tied up with XXXX XXXX so I had to wait until funds were back on the card. I sent One Main Financial the tracking # and explained what happened. XXXX says we do not take XXXX XXXX but they have a CODE City with them. In a panic I sent it to the wrong Code City which caused the issue. I asked if they would change my due date back to XXXX and said they would change it once I made the payment. I made the payment but it wasn't changed. On XX/XX/XXXX, I spoke to XXXX - XXXX Manager to talk to I'm about refinance so I could remove my vehicles as collateral. I explained they told me I could call in to refinance to remove vehicles. There seems to be a disconnect with provided information because sound confused. I told him having put {$1000.00} 's of dollars into the vehicles, I would like to trade them in for another vehicles. I need the trade in amount to purchase another vehicle. XXXX told me I could see how much the trade in amount was and have them to mail the payment to One Main Financial. I told him that was defeating the purposes especially if One Main is getting the down payment. He says after the get the trade in money that would lower the amount and he could refinance that amount. It does not make sense to trade in both my vehicles and give One Main the funds to lower the balance to refinance ... .That means I would not have a vehicle at all. I did not understand why XXXX would through in face the credits they paid for me like he did me a favor.\nI told I was concern about One Main setting customers up to repo their vehicles which make me very nervous. He was more concern about who told me that or where I got it from. I would he would want to assure the customer that isn't happening. I repeated the \" Repo '' vehicles several times and not one time did he assure me it wasn't true. I got off the phone even more uncomfortable, anxious and leery. I'm never late with my payments but the fact it is a strong possibility they will try it me is scary. These actions have to come from higher ups like a District Manager to sign off on. I did not have a 700 credit score but I did have at least a XXXX credit score. I asked him who makes the decision to offer a loan with or without collateral and was told the Underwriter for Loans. I'm beginning to think they are making the rules as they go and customers are suffering for it. It is almost as if they want all secured loans instead of providing loans on creditworthiness. I am TERRIFIED NOW! I don't know what they will do next to my loan. My interest rate should be 16 % not 24 % if they go according to my creditworthiness.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3367032", "source": "cfpb", "group_id": "cfpb/07ca93761db754965994", "variant": "clean", "length_bucket": "long", "chars": 9744, "company": "ONEMAIN FINANCIAL HOLDINGS, LLC.", "date_received": "2019-09-07", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "07ca93761db7549659946ad0e08b0fe6ff1086be50b216c48221253648e0f4a7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, XXXX, TransUnion, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4265532", "source": "cfpb", "group_id": "cfpb/19e005085380334bb2d6", "variant": "clean", "length_bucket": "medium", "chars": 1268, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2021-04-01", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Investigation took more than 30 days", "text_sha256": "19e005085380334bb2d60957fd8d31cd6441008d96cc70c79da71db2c8a97689", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was put into Forbearance during the covid shutdown. I was told by Wells Fargo that I was not going to be charged fees and when covid was over my payments during forbearance would be added to the end of my loan.\n\nCovid forbearance ended and I began making my payments on time online. here are my payment dates and I have bank statements and Wells Fargo statements to prove.\n\nXX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$1700.00} I spoke with a person from Wells Fargo and she confirmed that my payments from Covid time would be put to the end of my loan and I would just need to start making my normal monthly payments so I did.\n\nIn XX/XX/XXXX I was mailed a check from Wells Fargo for the payments I had made. They said that they were not going to accept my payments and I was now in forclosure. A few days later I had a notice taped to my door telling me they would auction my house on XX/XX/XXXX. less that a month away now. I tried to do more paperwork to refinance. But Wells Fargo told me they wouldn't be working with me and there was nothing I could do to stop the auction.\n\nXX/XX/XXXX Wells Fargo sent me a check for XXXX $ which would be 5 months of payments I had made to them online. I have been trying to sell my house before I loose everything, I have lived in my home for XXXX years now. I only owe XXXX $ on my home. it is worth {$450000.00}. please help me or point me to who I need to get in touch with to get some help with this situation. Thank you so much for your time", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/5676010", "source": "cfpb", "group_id": "cfpb/0543bdab265f03b3b5de", "variant": "clean", "length_bucket": "medium", "chars": 1567, "company": "WELLS FARGO & COMPANY", "date_received": "2022-06-16", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "0543bdab265f03b3b5debaf77a78ee385137668788c977da89d2dcad767bc3f0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing to formally lodge a complaint regarding Ally Bank and their handling of my debit card during a recent name change process. Their actions have left me without access to my primary means of payment for over seven business days, which I believe constitutes unacceptable business practices.\n\nHere is a summary of the issue : On XX/XX/year>, Ally Bank informed me that my debit card had been canceled as part of updating my account with my new last name. This cancellation was done without prior notification or consent.\n\nI only became aware that the card had been canceled after attempting to use it at a store and contacting Ally Bank to find out why it wasnt working.\n\nI was informed that a new debit card was \" produced '' on XX/XX/XXXX, but as of today, XX/XX/year>, I have not received it.\n\nDuring this time, I have contacted Ally Bank on four separate occasions to seek assistance. Each time, I received no meaningful support or resolution. I have been left without a functioning debit card or any reasonable alternative for accessing my funds.\n\nThe lack of communication, failure to provide timely access to my funds, and insufficient customer support are deeply troubling. Such practices create unnecessary hardship and inconvenience for customers and undermine trust in the financial system.\n\nI am seeking your guidance and intervention to ensure that Ally Bank is held accountable for this incident and to encourage them to improve their processes for notifying and supporting customers. Additionally, I request that they : 1. Expedite the delivery of my new debit card.\n\n2. Provide a full explanation of why this issue occurred.\n\n3. Take measures to prevent similar incidents from happening to other customers in the future.\n\nI appreciate your attention to this matter and look forward to your response. If further information or documentation is needed, please feel free to contact me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/11008320", "source": "cfpb", "group_id": "cfpb/185bdab661623b81ed64", "variant": "clean", "length_bucket": "medium", "chars": 1913, "company": "ALLY FINANCIAL INC.", "date_received": "2024-12-04", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "185bdab661623b81ed6482c78f2c946f58e44288d127d2f41d055d85bc54e94d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2023 I notice my interest rate on my American Express Blue Cash Card had increased significantly on my current statement. I called American Express to inquire and the representative told me they notified me of changes to my terms and conditions on my statement that ended in XXXX. I do not look at my statements every month so I had no idea this change took place. American express completely changed my terms and conditions for no apparent reason. The reason they gave me is not valid unless I did not adhere to the terms of the original contract, which I did. I have not been late on payments, and my credit is the same as when I applied. I actually just opened another credit account with excellent terms. I should not get unfavorable terms because I would have under current card offers they are offering. This is egregious and predatory. I have never had a credit card company do this to me and I have had established credit over XXXX years. I currently have other credit cards in outstanding condition. Changes of this magnitude should not have been hidden conspicuously at the very bottom of a statement. I should have received a separate correspondence. This is not right and I need this rectified immediately. I have been trying to pay this card off and its like they keep going up on my interest preventing me in doing just that. This is unacceptable!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "fees_or_interest", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7258630", "source": "cfpb", "group_id": "cfpb/c099922dcb3f048c2d51", "variant": "clean", "length_bucket": "medium", "chars": 1370, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2023-07-17", "product_raw": "Credit card or prepaid card", "issue_raw": "Fees or interest", "sub_issue_raw": "Unexpected increase in interest rate", "text_sha256": "c099922dcb3f048c2d513b7f155d1a2a5bc7e0b13a5bd5148bc758761bf4225f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In about autumn XXXX, XXXX turned my account XXXX, despite my many emails and calls about that and attempts to turn it in XXXX again, and despite my attached emails and calls to XXXX about defective product, XXXXXXXX XXXX unacceptable in-person customer service answer, its only routing my call abroad and its time-consuming, wrong information given by its departments abroad. XXXX, then, entirely denied me access to my account continuously for about half a year through now. Each time I attempt to contact XXXX about this, it notified me on its website and on the phone that it emailed me and, despite my confirming with XXXX that it had my same email on file as on my XXXX account continuously starting decades ago, I did not ever receive any of these emails XXXX said it sent during about all of XXXX. I was always, nonetheless, able to confirm my identity verification through confirmation of my receipt of XXXX 's text messages as I called XXXX and answering XXXX 's questions on the phone. On Saturday, XX/XX/XXXX, I heard for the first time that my Discover credit card had been charged many fraudulent -- including fraudulent recurring XXXX XXXX monthly membership though I have never once consented to XXXX XXXX membership -- charges to my credit card totaling thousands of dollars. These thousands of dollars of fraudulent XXXX charges started after I had notified XXXX, including by emailing XXXX, about XXXX XXXX denial of account access to me, such that XXXX was aware it was denying me the ability to monitor it. After I had emailed the CEO 's office at XXXX on Monday, XX/XX/XXXX, attached, XXXX at XXXX XXXX XXXX XXXX XXXX confirmed by email the next day on Tuesday, XX/XX/XXXX, that she had received my email to XXXX com at XXXX XXXX XXXX XXXX XXXX\n\nAs the dilemma remains that XXXX has for over half a year access to my credit cards it stores on my account, accesses my Discover Credit Card to repeatedly fraudulently charge me, including with almost half a year of fraudulent recurring XXXX XXXX membership charges, which I did not know about and was not aware of, nor could I be, as it denied me access to my account without my consent, until I called Discover on Saturday, XX/XX/XXXX, Discover has not put, despite my repeated requests, stop payments on all 3 XXXX XXXX ID # s used on my account during the relevant time period nor did it dispute all these charges right away, nor has it ever disputed these charges in a manner that allows me to upload supporting documentation. Instead, Discover hung up on me 4 times during the equivalent of multiple entire work days, during which I got no work done, and for which I am not paid, and online attempts to communicate with it over the last 3 days, as I repeatedly requested these.\n\nPlease note that I originally used the XXXX site itself, before complete access to my account was denied me, to request XXXX call me. I then used the telephone number that representative gave me to call XXXX. More recently, I used the telephone number on XXXXXXXX XXXX site for unauthorized charges and fraud, attached, and the telephone number on XXXX 's own Investor Relations site 's XXXX XXXX XXXX XXXX also attached. At that last XXXX XXXXXXXX XXXX corporate number, XXXX said she could not connect me to Executive Relations, XXXX corporate office or any XXXX XXXX customer service representative or any XXXX supervisor . Instead, she insisted on placing me in the global queue, at which a representative that sounded exactly like one of the ones I have been talking to during this debacle, during which XXXX repeatedly resolved nothing rather took up many days of my time making contradictory statements then eventually hours later stated I had been transferred to the wrong department and instead fraudulently charged my account repeatedly, answered. She answered again in heavily accented XXXX that is almost always extremely difficult to understand, and I started this complaint.\n\nAfter Discover Fraud Department Representative XXXX disconnected my first call, Discover Billing Disputes Representative XXXX, during Call Memo # XXXX, refused to dispute any XXXX charge at all. Then Discover Billing Disputes Representative XXXX said she blocked all 3 merchant ID # s XXXX had used -- its XXXX XXXX Membership Merchant ID #, its Amazon.com Merchant ID # and its XXXX XXXX XXXX ID # -- though after she put me on hold for most of an over 2 hour call, she then said she was going to hang up on me and deliberately hung up on me. Then, Billing Disputes Representative, XXXX, in XXXX XXXX, Ohio, said, during Call Memo # XXXX, that XXXX had XXXX only put stop payments on XXXX of those XXXX Merchant ID # XXXX and had not placed a stop payment on the XXXX XXXX XXXX ID XXXX. Then XXXX refused himself to put a stop payment on the XXXX XXXX XXXX ID #. He also said XXXX had not disputed the XXXX XXXX charge, as she had earlier said she had.\n\nI said to both XXXX and XXXX that the Discover Disputes site showed a spinning circle icon for each of the disputes and did not allow me to upload any supporting documents at all. Despite XXXX and XXXXXXXX XXXX assurance that it would allow me to at least within 24-48 hours. However, it never has and still remains in the same spinning icons status.\n\nXXXX had also said that I was not allowed to email my supporting documents to the Discover Executive Office at XXXX. Early this morning, instead of doing time-sensitive work that is going to rapidly be due to be completed, I called Discover Executive Office Representative XXXX at XXXX, who said that she opened a complaint. She said she would call me by the end of the day to give me the complaint number though never did.\n\nShe said I had to attempt yet again to speak to a Billing Disputes Supervisor to resolve the above. She transferred me to Billing Disputes Supervisor XXXX in XXXX XXXX, Delaware, during Call Memo # XXXX. Despite my repeatedly telling him that almost all, and indeed 11, out of my 14 disputed XXXX charges are for unauthorized, fraudulent charges I was not even aware of and had no access to my XXXX account to be aware of, and 1 charge is for a defective product I had no account access with which to attempt return or exchange for almost 10 months, as the remaining 2 charges are for a defective product that was eventually replaced after delay though I need account access to confirm that after I repeatedly asked XXXX for an invoice though received none even before account access was denied me and the last for a similar product I might have ordered though need account access to confirm, he repeatedly contradicted me as he insisted these charges were for defective products. Then, he transferred my call to a department that could not even access or see any of my disputes at all. XXXX XXXX, in XXXX, in that department transferred me back to XXXX, who said that he had falsely changed ALL my disputes to state that ALL 14 disputes are for defective merchandise I had knowingly purchased then received. I requested that he render accurate his false statements and that he put the stop payment XXXX had promised to put then assured me she had placed on the XXXX XXXX XXXX ID #, the 3rd Merchant ID # Discover said was on my credit card account during the relevant time frame, as I had no access to my account to monitor XXXX 's continuous fraudulent, unauthorized charges.\n\nXXXX refused to block the XXXX XXXX XXXX ID # despite XXXXXXXX XXXX earlier promise to then assurance that she had. After I asked why, which I said made no sense given the dire situation and that the other 2 had been blocked due to the ongoing constant, extreme fraud coupled with denial by XXXX of access by me to my account, he said that he was going to reverse the stop payment on the 2nd XXXX Merchant ID # and unblock it so that that XXXX Merchant ID #, which had charged 4 unauthorized charges of almost {$1000.00} each in 2 days, on about XX/XX/XXXX and XX/XX/XXXX, right after XXXX was aware by my notification attempts that it was denying me access to my own XXXX account in order to monitor it, could resume fraudulently charging me. XXXX deliberately, after two entire days ' equivalent of lost work for which I am not paid of speaking to Discover about its deliberate repeated endangerment of my account as it hung up on me repeatedly instead of disputing then allowing me to upload supporting documentation about all these charges and my requests to block all XXXX Merchant ID # XXXX used on my account, now allows the XXXX Merchant ID # that fraudulently charged me almost {$4000.00} to charge me again repeatedly, fraudulently.\n\nI called the Executive Office for the third time just today, asked for XXXX, was told by XXXX that XXXX had gone for the day without ever calling me with my Complaint #, and asked that Executive Office Supervisor XXXX resolve the entire situation, then contact me confirming that he has and write me a snail mail letter in confirmation and answering all my complaints. XXXX then said I can email documents supporting my disputes, after all, to XXXX, after Billing Disputes Representative XXXX had said on Saturday just 2 days ago I could not and XXXX had repeatedly said neither she nor the Executive Office could do anything at all about Discover 's Disputes site not allowing me to upload supporting documentation.\n\nThese are the Disputed charges : 1 ) Post Date : XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 2 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 3 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 4 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 5 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXX Amount {$16.00} 6 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$820.00} 7 ) Post Date XX/XX/XXXX XXXX XXXX XXXX Amount {$950.00} 8 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$960.00} 9 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$960.00} 10 ) Post Date XX/XX/XXXX Description XXXX XXXX XXXXXXXX XXXX Amount {$37.00XXXX XXXX ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$31.00} 12 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$0.00} Dispute # XXXX XXXX*13 ) Post Date XX/XX/XXXX Description XXXX XXXX Amount {$28.00} I am asking that Discover right away permanently refund me the sum of the {$82.00} total of the 5 fraudulent XXXX XXXX recurring charges and the {$3700.00} in XXXX fraudulent, unauthorized charges for a total refund of {$3800.00}.\n\nI also on Saturday night telephoned the XXXX XXXX and Unauthorized Charges Line Supervisor at XXXX. I spoke to Supervisor XXXX XXXX in XXXX, XXXX, though have not received access to my account yet, do not ever receive emails from XXXX, which XXXX said it sent today and each time I called about denial of access to my account over the last about half a year ( yet I receive emails from everyone else ) and have not received any credit yet. He said that, despite how the XXXX supervisor during my late XX/XX/XXXX call confirmed that XXXX had made an error causing me not to have access to my account and that XXXX error was the proven and only cause, XXXX now suddenly stated XXXX has added 2-step verification on my account and refused to assist. I obviously did not add 2-step verification on my account, after these earlier 2023 calls, as I had been told by the XXXX supervisor XXXXhat it was XXXXXXXX XXXX error causing denial of access to my account and causing my non-receipt of any XXXX emails XXXX Since I had no access to my account, to do so would be impossible.\n\nI spoke to XXXXXXXX XXXX XXXX supervisor, a manager who said XXXX can easily remove the 2-step verification now on my XXXX account under XXXX alone 's access to it, restore my access to my account and credit all the above charges. However, he refused to do any of these at all during that call and said he was going to call me back then hung up on me and never called me back.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7072863", "source": "cfpb", "group_id": "cfpb/f651b6f82ffb68fc0b0e", "variant": "clean", "length_bucket": "long", "chars": 11932, "company": "DISCOVER BANK", "date_received": "2023-06-05", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "f651b6f82ffb68fc0b0eef69611e8417f06844a3e44e7d5acf144a77003a751c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2745880", "source": "cfpb", "group_id": "cfpb/760ca6397ada85e24045", "variant": "clean", "length_bucket": "medium", "chars": 2186, "company": "ONEMAIN FINANCIAL HOLDINGS, LLC.", "date_received": "2017-12-04", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "760ca6397ada85e24045c93b29c08deac556222994fede59dfafa5a370d0ce56", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My original servicer XXXX, deducted my MUD tax at the end of XXXX from my escrow account. In XXXX my loan was transferred to Mr. Cooper and on XX/XX/XXXX I saw an escrow payment reversal of the MUD payment back into my escrow account. I called XXXX and they said they did not have access to see anything and that I should call Mr Cooper. I tried to call MR Cooper to speak to someone and it is impossible to speak to a person. I emailed their message line and chat with a rep and was assured the XXXX had been paid but I called the county XXXX and the account is now 2 months delinquent. I need my taxes paid and MR Cooper or XXXX needs to pay the late penalty charges. This is the second time XXXX has not paid my taxes on time.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/8537741", "source": "cfpb", "group_id": "cfpb/61777a1f3e7ae43f7cf0", "variant": "clean", "length_bucket": "short", "chars": 731, "company": "Mr. Cooper Group Inc.", "date_received": "2024-03-13", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Escrow, taxes, or insurance", "text_sha256": "61777a1f3e7ae43f7cf0c257a7d5891b83dfbccdace19ca9212e20dfba739626", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have had my Chase United Mileage Plus Credit Card for over two years. During a rough patch, I lived off the credit from that card, and although it was difficult I paid a huge price by way of interest. I never have made a late payment and have been fully accountable for what I owe Chase.\n\nSometime around mid-XX/XX/2018, I received an offer from my Chase United MileagePlus Credit Card. The offer stated that, for a 3 % transaction fee, I would be given a year to pay off any balance transfers at 0 % interest, and after a year if the total of the transfers was not paid in full, I would pay all the accrued interest starting from the balance transfer authorization date. The offer claimed to be good for transfers through XX/XX/XXXX. Chase even sent me checks that I could use to make payments or, they suggested, I could write one to myself and deposit it into my checking account. I took Chase up on their offer and wrote myself a {$2000.00} check and deposited it via mobile deposit, to my XXXX XXXX checking account, on XX/XX/2018.\n\nOn XX/XX/XXXX, just as I was leaving for a few days, I received a mobile fraud alert, from Chase, stating that an XXXX transaction for a {$0.00} authorization was made on the afternoon before, ( XX/XX/XXXX, at around XXXX XXXX ), to the aforementioned, Chase United Mileage Plus, that had offered me the promotion. Concerned, as I did not make an XXXX transaction, I immediately called the customer service number on the back of my card, to follow up on the alert.\n\nAlthough the card had not incurred charges, when I called to speak with the Chase Rep, on XX/XX/XXXX, she asked if I would like to cancel the card, as the authorization raised suspension that the card may be jeopardized. The Chase rep specifically asked about the {$2000.00} check that I had deposited to my XXXX XXXX checking account on the XXXX. I made it clear that the check for {$2000.00} was a valid transaction, and that I was depending on it, as I had already made transactions against the amount. I was told it would probably be best to cancel the card and get a new one, because my card had been jeopardized ; assured that the {$2000.00} in my XXXX XXXX checking account was secure, I agreed to cancel the card.\n\nWhen I returned home, on Saturday, XX/XX/XXXX, upon checking my email and noticing XXXX XXXX messages regarding overdraft and a returned check fees, because on XX/XX/XXXX, the very next day after being assured the {$2000.00} check was safely in my XXXX XXXX checking account, the {$2000.00} check did not clear.\n\nAfter a phone call to XXXX XXXX on, Saturday, XX/XX/XXXX, I discovered the reason that the check had not cleared was because Chase denied authorization. On XX/XX/XXXX, I made a call to Chase and spoke for 43 minutes, with a man who identified himself as XXXX, from XXXX, Missouri. For the next 43 minutes I explained that although a Chase Rep confirmed with me, on XX/XX/XXXX, that the check was legitimate and that she had assured me that the {$2000.00} would be transferred into my XXXX XXXX bank account, and did not tell me that a new credit card number would jeopardize the very vital {$2000.00} transaction, that it did not get transferred to my account. Further, I informed XXXX about the bounced rent check, the fees which, at the time, I thought totaled {$100.00}, and that it was urgent that Chase correct the situation in a timely manner, because their error had elevated my situation to crisis status. Additionally, I made a request at that time, for Chase to notify XXXX XXXX about what had taken place, on Chases end.\n\nXXXX explained that he had to release the {$2000.00} XXXX XXXX hold Chase had on my account before the transfer could be made. This confused me, as I am not sure why the hold remained if Chase would not authorize the transaction. He continued by saying that the release would be processed by, Monday, XX/XX/XXXX. XXXX asked and I confirmed that the XXXX XXXX account where I had attempted to deposit the {$2000.00} check, was the same account registered with Chase.com, and the account that I have used for all but a few payments to Chase, for over two years.\n\nBecause XXXX XXXX and Chase accounts had already established a connection, XXXX explained that if I would call on Monday, XX/XX/XXXX, the {$2000.00} transfer to the XXXX XXXX account could easily be done over the phone with any Chase representative. Regarding the fees charged to my XXXX XXXX Checking account, when I offered to send proof of the charges, XXXX said it would not be necessary to send proof and the only thing he could do is credit my Chase account {$100.00}. I did not think this was acceptable, as the fees were from my checking account, and if I tried to access the fees Chase had caused, now I would have to pay at least 3 percent to do so.\n\nXXXX made it clear that crediting my Chase account {$100.00}, was the only way I would see any kind of reimbursement of the fees I suffered because of Chases poor customer service and misleading information. Further, although XXXX said he would see what he could do about notifying XXXX XXXX, he never made good on fulfilling my request. Still XXXX XXXX has heard nothing from Chase, nor has Chase offered me any documentation to give XXXX XXXX.\n\nWith increasing anxiety, I could not wait to handle this on Monday, XX/XX/XXXX. Before I called Chase to make the transaction, I logged into my account. On XX/XX/XXXX, after logging into my account, I found that there was 1 external bank fee credit added to my Chase account, in the amount of {$5.00}. I called Chase and the first person I spoke with was XXXX.\n\nXXXX had XXXX notes and when she explained that it would take 3 -7 business days for the {$2000.00} transfer to show up at XXXX XXXX, I became frustrated and explained that I was told because the two accounts had already established a connection, that it would facilitate an easy transfer, just as I had been told, by XXXX on XX/XX/XXXX. I begged and pleaded for her to figure out a way to make this transfer happen that same day, as it was now dire and I was suffering from a financial domino effect.\n\nBefore demanding to speak with her supervisor, I told her about the {$100.00} credit that XXXX had said he would make to my account, and that only one credit for {$5.00}, showed on my account activity. XXXX insisted that the {$100.00} had been credited to my account, on XX/XX/XXXX, she even went as far to tell me that two different transactions had taken place one for {$100.00} and one for {$5.00}. I told her she was not correct, as I was, at that very moment looking at my account activity online and the {$100.00} credit was not there. She swore that the money had been credited to my account. I also made the plea that Chase notify XXXX XXXX of the situation and she flat out refused to do so, saying that it would not be necessary. After arguing back and forth for a while, I finally asked to speak with another supervisor, hoping that someone would see that, because of this uniquely urgent situation, Chase might want to do the right thing after causing such overwhelming stress and financial jeopardy. I was transferred to XXXX XXXX.\n\nXXXX admitted that I had been given false or at least less than thorough information, by multiple Chasse representatives. Further he told me he could understand why I was so upset but made no effort to figure out a helpful way to expedite the {$2000.00} transfer in an urgent manner, and again told me it would take 3 to 7 business days before the money would be transferred into my XXXX XXXX account. Before ending the 1 hour and 35 minute phone call, XXXX said no reimbursement would be made until I offered proof that the fees had been deducted from my account, even after XXXX had told me that the money had been credited to my account.\n\nI was more than happy to supply XXXX with the information he requested and he said that after I supplied the information to verify my fees, he would have the money deposited to my XXXX XXXX checking account. I was more pleased with this, as I had felt disrespected when XXXX, on XX/XX/XXXX, told me the only way I could receive reimbursement was to be forced to apply the funds to my credit card. Furious, I asked XXXX to check the phone calls from XX/XX/XXXX and XX/XX/XXXX, to validate that over and over Chase had manipulated and misinformed me after jeopardizing my financial security. He said that he believed me, that the calls were recorded for training purposes to support future customer service practice, but would not be used to support my issues.\n\nThrough tears, I pleaded with XXXX to tell me why it was ok to allow all of this to happen to mewhy had the Chase reps all lied to me. XXXX said he was sorry and that, it was not our intention to lie to you.\n\nYesterday, XX/XX/XXXX, I logged on to Chase to find that a {$100.00} credit had been added to my Chase credit card account. I believe that Chase acted fraudulently by backdating this credit, as the activity states the account was credited on XX/XX/XXXX, it was not. Not only do I have a copy of the activity proving so, when I spoke with XXXX, today XX/XX/XXXX to let her know I planned on taking further action regarding the manner, she said that the {$100.00} was credited on XX/XX/XXXX.\n\nThat Chase would do NOTHING to assist helping a customer in crisis made at their hand, but went to the trouble to commit fraud by backdating a {$100.00} credit to cover a lie that was told to me by their customer service representative, XXXX, that wouldnt have mattered anyway because XXXX XXXX gave his word that after sending the documents, proving the charged fees, the money would be transferred back over to my XXXX XXXX account.\n\nOn XX/XX/XXXX, I sent in the XXXX XXXX documents that showed fee charges to prove where Chase had cost me significant damage, along with a lengthy letter describing the details of this matter, much like this letter I am sending you. A reply saying that they would respond within 14 business days is beyond borderlines abuse, in my opinion.\n\nAlso, on XX/XX/XXXX, I checked the status of my balance transfer, it is not expected to take place until XX/XX/XXXX, which makes me wonder why on XX/XX/XXXX, XXXX went out of his way to explain the ease of getting the funds to XXXX XXXX, given the established connection between the two accounts. I dont believe anyone from Chase anymore. I would be foolish to do so. I believe that Chase should be guilty of fraud, regarding the backdated credit adjustment to my account. Their malicious behavior is a threat to all of their clients, as if they are willing to lie about something so insignificant, there is no telling how much people have truly suffered at their hand.\nI intend to follow through with legal action, if there is any that can be taken.\n\nA strange turn of events this morning, XX/XX/XXXX, where my wallet was stolen sometime after I had bought groceries at XXXX, with cash, and I was forced to cancel all of my credit cards. A fraudulent charge had been made to XXXX from the aforementioned Chase account. I called and reported the abuse. When XXXX XXXX said she would cancel my card and be sending me a new one I sobbed in terror, and told her that the {$2000.00} transfer would be jeopardized and I had basically already spent the money, and told her about the trauma I suffered, she assured me that she could make an adjustment to be sure that the transfer would go through. Of all the people I spoke to with Chase, she seemed to be the most understanding, thorough and accurate professional. She gave me her full name, told me that she would make an adjustment allowing the transfer to process and follow up, in the next 6 hours, via email.\n\nYou would think this would give me peace, but it reveals that Chase could have made an adjustment to the original {$2000.00} transfer, which shows neglect, or incompetence, in addition to falsifying their statements on XX/XX/XXXX and XX/XX/XXXX, that because the credit card number had been changed, there was no way to make good on the {$2000.00} deposited to the XXXX XXXX XXXX account, XXXX said someone could have made an adjustment, but no one had.\n\nWhere things are, at XX/XX/XXXX at XXXX XXXX 1. As of this morning, I had been charged {$150.00} in overdraft and NSF, as well as $ 300+ overdrawn with my XXXX XXXX bank account.\n2. A visit to Chases website revealed that my transfer will take another 11 days, far more than 3 to 7, which both XXXX and XXXX had estimated 3. My {$1200.00} rent check written on the XXXX was denied, $ XXXX/day late fee every day after the XXXX ; and maybe NSF charge from my landlord 4. I Have been on a financial and emotional roller coaster due to misinformation from Chase customer service representatives who have not done anything to go out of their way to compensate or make up for their error, ( although I believe XXXX XXXX might have corrected this had I spoke to her on XX/XX/XXXX or XX/XX/XXXX ) 5. After desperate pleas of urgency and over 3 hours of phone conversations with reps, I asked that, and am awaiting : a. The {$2000.00} transfer be quickly expedited b. Someone from Chase contact XXXX XXXX to explain misunderstanding c. Concern for fees that might incur due to a - {$300.00} checking account balance 6. Wait overwhelmed with stress and fear that a reoccurring payment from my checking account may happen before Chase transfers the funds, thus resulting in further charges. ( This has already happened twice ) Chase Ethics 1. On XX/XX/XXXX, after I okd the {$2000.00} transfer with Chase, they still failed to authorize the transaction. As a financial institution, I would expect Chase to be able to meet their promotional promise. That Chase cant manage a transaction made on an established two year account, simply because there was a change on the credit card number brings into question either a. Competence, or b. unwillingness to go the extra mile after inconveniencing a customer that has shown good faith, with a has consistent payment history 2. On the XXXX, XXXX assured me that because the XXXX XXXX XXXX account had been established with Chase, via XXXX, and been a source for my Chase cc payments, the transfer could easily be completed and swiftly expedited, over the phone on Monday XX/XX/XXXX this was not accurate.\n7. Chase has offered no documentation or attempt to call XXXX XXXX on my behalf, after I asked at least two of their reps to please do so 8. On Monday XX/XX/XXXX,, both XXXX and then XXXX said I had to wait 3 to 7 business days for the transfers eligibility to be confirmed, and that there was no possible way to get the funds to my account that day, on in an urgent manner.\n9. XXXX had assured me that, even though I only saw a {$5.00} credit to my Chase account for the external bank fee, the {$100.00} had been credited to my Chase account on XX/XX/XXXX, ; when she transferred my call, XXXX made it clear that the money would be transferred to my XXXX XXXX account, only after I supplied proof of the fees that I had been charged.\n\nI am a reasonable person, I make mistakes, I understand others do as well and that things happen that were not meant to cause intentional harm. I dont take any of this personal, but the unprofessional way this was handled is unacceptable, unethical, and manipulative, and I dare say fraudulent.\n\nWhen I expressed urgency and asked why I was given inaccurate information, from Chase on 3 separate occasions, I was told that though I was justified for being angry, It was not our intention to lie. I would prefer that my financial intuitions intentionally did not lie to me, and I am shocked by the entitlement of Chase, and want to take any action available to hold them responsible for their poor customer service practice and aloof willingness to act fraudulently on such an insignificant matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3069040", "source": "cfpb", "group_id": "cfpb/5ed40a1e9f293aa6aac9", "variant": "clean", "length_bucket": "long", "chars": 15875, "company": "JPMORGAN CHASE & CO.", "date_received": "2018-11-08", "product_raw": "Credit card or prepaid card", "issue_raw": "Advertising and marketing, including promotional offers", "sub_issue_raw": "Didn't receive advertised or promotional terms", "text_sha256": "5ed40a1e9f293aa6aac9a32a020b6d9c33134b61e56d9fc36131bb763fc2cdec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim.\n\nThere 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account.\n\nI recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2728247", "source": "cfpb", "group_id": "cfpb/73e33c374a7d7f3c7d30", "variant": "clean", "length_bucket": "short", "chars": 858, "company": "Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance", "date_received": "2017-11-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "73e33c374a7d7f3c7d30e72ca358d0b10cf1b19ba07a0cc2b5c3e328a14935b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I applied to 'SEE MY RATES ' without it affecting my credit score. I was offered {$2000.00}. I get a letter today about my credit score which is XXXX and all the excuses why I could n't get this loan. I do n't understand why they sent this letter. It makes no sense. The XXXX XXXX offered me {$15000.00} the same day. I have not accepted any loan from either. I have borrowed from Prosper last year and paid it back early. ( see the letter I got today in this email ) ... it makes no sense. 1 ) What Prosper is saying about my credit report is NOT TRUE.. 2 ) It looks like to me just inquiring DOES affect the score and or the information otherwise, Prosper would not have even offered {$2000.00} and XXXX XXXX {$15000.00} or unless either or both colluded or the inquiry affected the others offer via my credit report. What is really going on here? Dont we have a right to know? Here 's the email I got today : XX/XX/XXXX Dear XXXX, Your recent loan request on Prosper exceeds the amount your FICO08 score and Prosper Score qualify you for. You are eligible to post a loan request for a lower loan amount. Prosper uses a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating a listing request. These numerical values are based upon the results of analyses of repayment histories of large numbers of consumers. The information you provided resulted in credit scores that were below the minimums needed to post a listing. The reasons you did not score well compared with other applicants are : Revolving and installment debt obligations are too high relative to income. Average balance on open student trades is too low. Serious delinquency Proportion of balances to credit limits is too high on bank revolving or other revolving accounts In evaluating your application, we also obtained your FICO08 credit score from XXXX, a consumer reporting agency, and used it in making our credit decision. XXXX played no part in our decision and is unable to supply specific reasons why we were unable to accept your loan request. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at XXXX. You also have a right to a free copy of your report from XXXX, if you request it no later than 60 days after you receive this notice. It can be obtained by contacting XXXX at XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX, toll-free telephone no. ( XXXX ) XXXX. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency, XXXX. Your FICO08 credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Your credit score : XXXX Date : XX/XX/XXXX The FICO08 credit score ranges from a low of XXXX to a high of XXXX. Key factors that adversely affected your credit score : Serious delinquency Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Proportion of loan balances to loan amounts is too high Too few accounts currently paid as agreed Loans originated through the Prosper marketplace are underwritten and made by XXXX, XXXX XXXX XXXX, UT, member FDIC. Prosper is providing this notification to you on behalf of XXXX. Please contact Prosper at the address shown below if you have any questions about this letter : Prosper Marketplace , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning XXXX is the Federal Deposit Insurance Corporation, FDIC Consumer Response Center, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, Missouri XXXX and concerning Prosper is the Federal Trade Commission, Equal Credit Opportunity, XXXX, XXXX XXXX. Thank you, Prosper", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2632398", "source": "cfpb", "group_id": "cfpb/9baad08186be6f3626e3", "variant": "clean", "length_bucket": "long", "chars": 4368, "company": "Prosper Marketplace, Inc.", "date_received": "2017-08-13", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Improper use of your report", "sub_issue_raw": "Reporting company used your report improperly", "text_sha256": "9baad08186be6f3626e32fa5fff1818dff80197395049b44a926b41ea393ef45", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is in regards to XXXX XXXX. In XXXXXXXX XXXXI sent a check that was issued by XXXX XXXX XXXX XXXX XXXX to XXXX to pay my balance in full. The total was {$7000.00} at this time. The check was cashed and endorsed by XXXX on XX/XX/2023 unfortunately the check did not have my card number on it so it was never applied to my account, I have sent multiple times the copy of the canceled check and now they are telling me I never provided this information. I have sent it via fax and via email on the portal. My credit score has gone down dramatically because of this. The dispute has been open multiple times and denied just as many. I want this, and I want my credit report cleaned.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "investigation", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/8751173", "source": "cfpb", "group_id": "cfpb/b19557eca298178813c8", "variant": "clean", "length_bucket": "short", "chars": 685, "company": "EQUIFAX, INC.", "date_received": "2024-04-12", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "b19557eca298178813c8f4456fabb0dfbf60463bf419ac2893d4f00220b0b961", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you.\n\n2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below.\nXXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center.\nThank you for banking with Union Bank.\nSincerely, XXXX XXXX.\nRetail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info?\nThanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time.\nWe appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center.\nThank you for banking with Union Bank.\nSincerely, XXXX XXXX.\nRetail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : \" Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can.\nThank you.\nXXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law.\nIf we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ).\nThank you for the opportunity to assist you.\nSincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco?\n\nThank you for any guidance you can offer.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1750791", "source": "cfpb", "group_id": "cfpb/31f382f68cea583b69e3", "variant": "clean", "length_bucket": "medium", "chars": 2812, "company": "U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH", "date_received": "2016-01-21", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "31f382f68cea583b69e38c70c3befc53800d9a15cf0e73f64aadf51fabc7ae11", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am ( at least attempting ) to be part of the public service loan forgiveness program.\n\nBecause my employer helps me with my payment due each month, I have multiple payments each month that come in at different times to satisfy my monthly balance. Due to this scattered payment, I have tried multiple times to get guidance on what payments count in order to ensure my total payments are qualifying each month and I am not making excess payments that dont count towards forgiveness.\n\nThe only regulatory requirement about the timing of the 120 payments is that they not be made later than 15 days past the due date, but I have been told that some of my bill satisfying payments may not be qualifying because they were made too early. I have been told completely inconsistent policies regarding early payments by different representatives and every time I ask for a written policy so that I can fully understand and ensure I am complying with it, I am told no written policy exists.\n\nAfter my number of qualifying payments reported by the XXXX XXXX was far lower than the number I believed I had made, I promptly sought clarification. I was told the only way to review this was to make a formal request for a review of payments and wait for the company to complete a unilateral review that would take an entire year. This review would not provide any transparency or allow me to have a discussion with a human doing a review, all while 12 months of potentially qualifying payments pass while I am potentially still not making qualifying payments despite satisfying every bill because no one can provide me with a clear understanding of what the early paying policy for a monthly bill actually is.\n\nThis lack of transparency and failure to communicate requirements that end up disqualifying payments that public service workers are diligently making on their monthly bills completely defeats the purpose of this program and discourages program participation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3174376", "source": "cfpb", "group_id": "cfpb/105c184737842e1df8fd", "variant": "clean", "length_bucket": "medium", "chars": 1961, "company": "AES/PHEAA", "date_received": "2019-03-09", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "105c184737842e1df8fdec6943fea2c1aba5adf2c12184311485c30f8c43be97", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XX/XX/year> I submitted a Public Loan Forgiveness form in hopes that I would receive an update and certification for the number of student loan payments I have made. I utilized the Federal Student Aid PLSF platform to submit the form ( https : //studentaid.gov/ ) At the time of submission, I was informed that it would take approximately 30 days to process.\n\nOn XX/XX/year> I scheduled my XXXX student loan payment via Mohela 's website to pay on XX/XX/year> and received an email payment confirmation reflecting both dates ( date payment was scheduled, date it was expected to pay which was XX/XX/XXXX.\n\nOn XX/XX/year> I received notification letter from Federal Student Aid that my PSLF form had been processed ( submitted on XX/XX/year> ). The letter indicated that I had made XXXX payments for PSLF eligibility although I have made several more ( XXXX XXXX ) which should have reflected XXXX at the time the form had been processed. XXXX XXXX hand, I understand that at the time of form submission that they may have only reviewed the payments through that time period. However, this is not how payments were previously managed and no updates have been communicated regarding the change that I am aware of. Typically the payments are accounted for although you are required to submit another PSLF form to verify employment eligibility for those timeframes ( Qualifying payment vs. Certified payment ).\n\nOn XX/XX/year> I checked the status of my XX/XX/XXXX payment via Mohela 's website and it was indicated as processing.\n\nOn XX/XX/year> I checked my bank account and the Mohela XX/XX/XXXX payment status. It was listed as pending on both XXXX XXXX and Mohela 's website. I also discovered that second payment for XXXX was processing of which I did not authorize and was not indicated on the website when I reviewed on XX/XX/XXXX. Again, I scheduled the XXXX payment on XX/XX/XXXX to pay on XX/XX/XXXX and for some reason on XX/XX/XXXX a second payment of the same amount was listed as processing. I contacted Mohela via phone and was prompted that the wait time was over XXXX minutes and elected for a return call. While waiting I sent a message via the XXXX platform on Mohela 's website to express concern about the XXXX payment I did not authorize. I received a return call from Mohela and was informed that because the payment was processing that there was nothing they could do. They could not provide rationale for the second payment even after informing that I did not schedule or authorize a second payment and did not receive confirmation email regarding a XXXX payment. I was advised to contact my bank- XXXX XXXX. I contacted XXXX XXXX and explained the situation and they assisted with a stop future payment request on XX/XX/XXXX.\n\nOn XX/XX/year> I discovered that XXXX XXXX inadvertently stopped the original payment scheduled on XX/XX/XXXX for XX/XX/XXXX ( although is was pending with the bank ) and the XXXX payment I did not authorize. After this discovery, I submitted another payment for XXXX on XX/XX/XXXX via Mohela 's website to ensure I received credit for XXXX.\n\nThe above describes a series of events that result in confusion and mistrust. My complaint is that Mohela should not process payments that you do not authorize and should be able to provide supporting documentation when this occurs ( when was the payment submitted, how, email confirmation documenting the payment, etc ) all of which they could not provide. I feel that this is attempt to cause confusion and not provide payment credit within a reasonable time for individuals who are near loan forgiveness and deduct additional payments that are not authorized. My loans have been in good standing and I have a systematic process to ensure my payments are made before the due date. A review of my payments via Mohela 's new platform reflects that all my payments are made on the XXXX of the month.\n\nIn addition, it is not clear why Mohela does not update payments monthly with Federal Student Aid when every other merchant ( credit cards vendors, utility providers, etc. ) are expected to provide updates on accounts on a monthly basis via monthly account statements that reflect payments made to-date and the amount owed. Further, there is also the practice of duplicating the amount owed for student loans on your credit report. Last month my student loan amount was duplicated on my XXXX credit report ( I owe ~ $ XXXX and the loan was listed twice indicating that I was XXXX in debt more than I am ) I submitted a dispute and received a \" no change/update '' response but the issue seemed to have resolved on its on but the fact that it happened is gravely concerning as these practices require diligent observation, recording and record keeping on behalf of the consumer when organizations such as Mohela should be practicing ethically.\n\nAs I prepared to submit this complaint today I have also noticed that the XXXX messages I sent via the Mohela 's Inbox Message feature on XX/XX/XXXX are no longer showing on the website. One email was sent to request cancellation of the XXXX payment I noticed and did not authorize and requested an explanation regarding while I awaited a return call from Mohela ( sent just in case they did not call me back ). The second email was sent after I utilized the chat feature on Federal Student Aid website to inquire about how my payments could be update. The chat transcripts reflects that I was advised to to contact my loan servicer, Mohela to request that they \" push '' my most up-to-date payments to Federal Student Aid as it is the loan servicer 's responsibility to provide updates. I have documentation from XX/XX/year> that reflect that I received credit for my XXXX payment in XXXX so it is uncertain why the reporting has changed. I have noted the lag time reflected in the XXXX transcript but this is unacceptable.\n\nMy regret is that I did not take screenshots of all activities specifically the emails sent via Mohela 's Inbox Email messaging platform - I never would have thought the organization would go so low by deleting documentation but here we are.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/10334598", "source": "cfpb", "group_id": "cfpb/3219df3227f43070bc19", "variant": "clean", "length_bucket": "long", "chars": 6119, "company": "MOHELA", "date_received": "2024-10-03", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "3219df3227f43070bc1998acdddaeb6fe709bf036cbc9cad717247d5fb0f7a15", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me.\n\nServed them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion.\n\nThey continue to contact 3rd parties, harass.\nhere is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227.\n\nI hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing.\n\nYou may REASONABLY communicate with me in WRITING only!\nI am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies.\nThis will additionally show yet another attempt at mitigating the damages for the above cited concerns.\nSincerely, XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/3097268", "source": "cfpb", "group_id": "cfpb/03cf67eae77d9859770d", "variant": "clean", "length_bucket": "medium", "chars": 1991, "company": "Navient Solutions, LLC.", "date_received": "2018-12-11", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Can't get other flexible options for repaying your loan", "text_sha256": "03cf67eae77d9859770d55768035c95777169494110a6cf080c90f7e1508a18d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was given a loan in XXXX of XXXX from Toyota Motor Credit. The dealership was Toyota of XXXX, and salesman XXXX XXXX. The interest rate at the time was a little higher than I'd paid for vehicles in prior years. XXXX told me the loan was a lease, but ended up not being a lease ( I later learned ) and to come back after a year to 18 months they would put me in a different Toyota with a better interest rate.\n\nI had purchased other vehicles from XXXX in previous years, starting at Toyota on XXXX XXXX with a XXXX XXXX, then a lease XXXX from XXXX Toyota in XXXX Texas, then a purchased XXXX XXXX and finally a XXXX XXXX XXXX. When I called and emailed the dealership attempting to acquire another Toyota as he had instructed, after several weeks and multiple emails and phone calls I was told he was no longer at the company, which didn't make sense because I knew from past dealings he'd been with them for many years and had no intention of going to another dealership. Finally someone told me that he had passed away, and that the XXXX XXXX I was in was not a lease as had been explained, but instead a purchase at a high interest rate. I am on a fixed income as a 100 % XXXX vet and recently ran into some financial difficulties.\n\nFrom the inception of the last agreement with Toyota I paid anywhere from $ XXXX a month extra toward the loan included in the autodraft payment to reduce the principal on the loan. When I tried to get another vehicle I was told that stock wasn't available at the time due to a chip shortage, even in XXXX and throughout XXXX.\n\nI was attempting to get something at a lower interest rate, thinking it was ending the lease to purchase a new XXXX at a better interest rate than what I had been paying since roughly XXXX or XX/XX/XXXX.\n\nThe vehicle was repossessed in late XXXX or XXXX of XXXX. I was fortunate, that the vehicle wasn't sold at auction prior to XX/XX/XXXX and through Toyota representatives and XXXX XXXX I paid in urgency fees and money orders for repossession, storage and past due payments, an approximate total of {$3500.00} While attempting to recover my personal belongings, through XXXX XXXX, a third party repossession and recovery service that I would have to pay money to recover clothing, paperwork or other personal items from my vehicle. This occurred over the phone, and was told to me by a woman that answered the phone for that business.\n\nI then told her that the toyota representative informed me less than XXXX hours prior to my call with her, that I was not to pay any fees for acquiring my personal belongings.\n\nI also had contacted TDLR ( Texas Department of Licensing and Regulation ) to determine whether or not recovery and repossession companies fell under the same regulatory guidelines as towing vehicle companies do. TDLR told me they don't regulate recovery and repossession businesses.\n\nI was at a loss, because seemingly so, these companies charge consumers whatever they want, and are not available during normal business hours of XXXX Monday through Friday or even after hours in which consumers XXXX acquire their belongings from recovered vehicles.\n\nAfter navigating the website, from XXXX XXXX, unsuccessfully, and speaking to the same woman, I was told which buttons to press onscreen that seemingly had no connection to my situation or vehicle, but was a necessary part of their convoluted process to acquire my belongings.\n\nThe appointment was made and upon arrival I noticed that the property didn't appear to be a business in the operation of anything, and seemingly just a location with a XXXX foot fence surrounding interior portions of the property. XXXX sign on an exterior corner wall had faded out words, and was missing the standard verbiage on display at towing facilities in Texas.\n\nI was only able to make the appointment on the phone and avoid fees to recover my property because I told the woman on the phone that Toyota told me to tell them they weren't supposed to charge me to acquire my belongings. It seemed as if, since Toyota told me that at the onset, that they are aware consumers are routinely charged erroneous fees by XXXX XXXX services located at the edge of XXXX and XXXX XXXX Texas ; otherwise why would they mention it and why would the receptionist or admin staff at XXXX tell me I had to pay those fees, and then change their mind after I as a consumer tell them the lending company, Toyota said I was not obligated to do so.\n\nAfter numerous attempts on XX/XX/XXXX using XXXX XXXX and paying over {$3500.00} in payments, consisting of XXXX separate transactions Toyota told me my loan was reinstated and they'd sent a hold to XXXX XXXX, to prevent the auction of my XXXX XXXX XXXX. This occured prior to XXXX on that date. That amount included the repossession fee, storage and transportation from XXXX to XXXX XXXX ( auction facility ). After paying that, I was then told that I would also need to pay additional storage, in the amount of roughly {$10.00} a day plus other fees, perhaps taxes, they were unsure. I spoke to numerous representatives at XXXX XXXX on XX/XX/XXXX, and the XXXX as they and Toyota instructed me to do. They as of yet, XXXX pm, central, have been unable to tell me what that amount is, or even when I can make an appointment to acquire the vehicle, and that they don't make appointments the day of hold received or redemption forms from the lender. It appears this business practice is merely a way of taking more money from consumers, who are likely already struggling financially, via undue delays, and business practices in which lenders and auction service companies don't communicate in any way, that facilitates or enables a modicum of standard business financial services.\n\nSo far today, I've made XXXX phone calls in an attempt to schedule an appointment with XXXX XXXX, who again doesn't allow consumers to acquire redeemed properties the day they receive the paperwork from lenders allowing consumers to acquire their property after reinstating loans. I also made no less than XXXX phone calls between Toyota and XXXX XXXX on XX/XX/XXXX.\n\nI am concerned that during this loan, which was said to be a lease and not to worry about anything, to trade up the year after the acquisition of the XXXX XXXX, was a ploy to entangle me or contractually engage me, in business with toyota motor credit, for not just two to three years, but more like 5 to 8 years if the deal had went through as initially explained and guaranteeing Toyota monies from me through what would have been XX/XX/XXXX, ( date of first lease/loan payment ) and into another loan, with a standard average of 60 months would've been XXXX or XXXX.\n\nI am concerned that there were fees and or un-necessary expenditures embedded in the paperwork for the XXXX XXXX that resulted in longer payment periods, and that perhaps I was victim to the procedures or policies of toyota motor credit, that resulted in the lawsuit from the CFBP against toyota ( and resulted in a judgement of {$60.00} million against Toyota Motor Credit ), because of all the nuances and exceedingly difficult hurdles already mentioned, that I encountered while dealing with Toyota, XXXX, and XXXX.\n\nIt seems as if lending corporations, recovery and repossession services work in concert to extort and entangle consumers in processes that only facilitate the enrichment and financial gains of Americans facing financial hardships. It has been almost impossible thus far to navigate this process no one at any company has been able to provide an actual fact based answer, or solution.\n\nDue to this, I lost the ability to generate income for utilities, food, rent, and other necessity items because it was my only mode of transportation. I was without electricity, water, food and through the grace of my landlord at the last moment was granted a reprieve on the court ordered eviction he'd already submitted.\n\nAfter navigating this process and viewing the court details that were publicly available it seems as if, from an outside perspective looking in through the lens of an affected consumer that their business practices and that of their partners is just a smaller piece of the puzzle that allowed them to generate additional income, while ensuring future financial successes for the corporation, their vendors, and 3rd party service providers.\n\nThank you for your time and consideration, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/8599689", "source": "cfpb", "group_id": "cfpb/e738d902b54a6c4126e8", "variant": "clean", "length_bucket": "long", "chars": 8412, "company": "TOYOTA MOTOR CREDIT CORPORATION", "date_received": "2024-03-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Repossession", "sub_issue_raw": "Account reinstatement or redemption after repossession", "text_sha256": "e738d902b54a6c4126e8128b183d2c5cf29095ec7afc299780f1a5f55ad8f9f1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.\nHere is the list of items that do not belong to me or were opened without my permission.\nXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7756038", "source": "cfpb", "group_id": "cfpb/eef1ddfc7fd8996ef706", "variant": "clean", "length_bucket": "medium", "chars": 1598, "company": "EQUIFAX, INC.", "date_received": "2023-10-25", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "eef1ddfc7fd8996ef706b9e23fc5e346fc1aa7820fea2a8f252c4df685705125", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, CBY furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3787541", "source": "cfpb", "group_id": "cfpb/b2ef698a35d008e6862b", "variant": "clean", "length_bucket": "short", "chars": 513, "company": "Credit Bureau of York, Inc.", "date_received": "2020-08-10", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "b2ef698a35d008e6862b5be258afbfbd300a56c3270ff9f0b380399bf7ff2fdf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT SYSTEMS failed to give me my \" Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3331832", "source": "cfpb", "group_id": "cfpb/1e5b6b5502bc582b1fb0", "variant": "clean", "length_bucket": "medium", "chars": 1380, "company": "National Credit Systems,Inc.", "date_received": "2019-08-06", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "1e5b6b5502bc582b1fb0422063c89127a46c4930515a0362aeab72941eb7ba46", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX has placed a Delinquency and charge off on my credit file. This is INCORRECT. The correct file entry should be \" late payment ''. No balance, on the account is inconsistent with something being \" charged off ''. The difference is a cascade effect it has had on my XXXX XXXX and potential 7 years of visibility on my file vs 6 months for a late payment.\n\nThe beginning of the cascade issue is XXXX reducing my credit from {$12000.00} to {$1500.00}. Once again NEVER LATE - NO BALANCE.\n\nSince ALL credit card companies use this file, the accuracy of the information is directly correlated to my score.\n\nThis is unacceptable since NO HARM was done to XXXX, and this action will cost me thousands for YEARS.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/3720954", "source": "cfpb", "group_id": "cfpb/8b119d22f8cf18614b5c", "variant": "clean", "length_bucket": "short", "chars": 722, "company": "Experian Information Solutions Inc.", "date_received": "2020-06-29", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "8b119d22f8cf18614b5c7669d1e6de916f5470bff45f51590103fed42ffdf85c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX RE : KIA Motors finance Retail Installment Contract XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear KIA Motors Finance, The confirmation notice dated XX/XX/2018 from your office cancelled ANY/ALL debt ( s ) and or payment installment contracts. The notice confirms that the debt has been paid in full. I have included a copy of the notice for your review. Please update your records as this information has been reported to the Consumer Financial Protection Bureau and a complaint has been filed.\n\nRegards, XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3205557", "source": "cfpb", "group_id": "cfpb/6b94447dbdecfbe51aa2", "variant": "clean", "length_bucket": "short", "chars": 583, "company": "HYUNDAI CAPITAL AMERICA", "date_received": "2019-04-08", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "6b94447dbdecfbe51aa2dc80404e77d45f266555fa497fc989f3f42047231c41", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After filling original complaint ( XXXX ) about Click & Close overcharging me for my house mortgage payments just find out they dont have a valid license to do any business in XXXX XXXX where my house is located. So they are charging me illegally money. I filed this new complaint because cant edit original complaint.\n\nSee below : XXXX XXXX XXXXXXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/7590099", "source": "cfpb", "group_id": "cfpb/6b1b216b1a62b967a6c5", "variant": "clean", "length_bucket": "short", "chars": 351, "company": "Click n' Close, Inc.", "date_received": "2023-09-23", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Loan sold or transferred to another company", "text_sha256": "6b1b216b1a62b967a6c59c4b3c9ecd43f7771e6247173eb343107f8f635498d1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX Balance Owed : {$0.00} - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXX XXXX XXXX Balance Owed : {$40000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/7427932", "source": "cfpb", "group_id": "cfpb/1ec83c0fd63a39f9d4b1", "variant": "clean", "length_bucket": "short", "chars": 1022, "company": "Experian Information Solutions Inc.", "date_received": "2023-08-19", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "1ec83c0fd63a39f9d4b1f80796bc463360ce89b499a7fe28e053f99076241238", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "New flood zone maps were being drawn up for our city and went into effect XX/XX/XXXX. When we heard there was a good possibility that our home would now be considered in the flood zone and would be required to purchase flood insurance, we hired XXXX XXXX XXXX, XXXX. to come to the property and take measurements. When he finished measuring my property his exact words to me were, \" It's not even close. '' XXXX created a Letter of Map Amendment ( LOMA ) and filed it with FEMA. It went into effect XX/XX/XXXX.\n\nOur mortgage with XXXX XXXX was sold to PNC Bank XX/XX/XXXX. PNC sent us letters on XX/XX/XXXX and XX/XX/XXXX stating that we were in the flood zone and would be required to purchase insurance. When we did not purchase flood insurance on our own they purchased it on our behalf. We faxed the LOMA to PNC Bank XX/XX/XXXX.\n\nI received a certified letter from PNC dated XX/XX/XXXX stating they reviewed our insurance inquiry but flood insurance was still required. I called PNC and talked to XXXX. She said that the map was dated XX/XX/XXXX and the LOMA was dated XX/XX/XXXX. I called FEMA and talked to XXXX. He said that the maps went into effect XX/XX/XXXX and the LOMA was dated XX/XX/XXXX and that the LOMA was valid. I called PNC back and talked to XXXX. I explained that I had talked to FEMA and maybe PNC had the dates backwards.\n\nI received another certified letter from PNC dated XX/XX/XXXX stating that they reviewed our insurance inquiry but the FEMA website has a map with our property in a flood zone. They included a few maps as well as a XXXX XXXX XXXX XXXX Form prepared by XXXX. On this form in section B, box 3 it asks \" Is there a Letter of Map Change ( LOMC )? '' They had selected \" No. '' I called FEMA again and asked him to review the map and LOMA. \" What am I missing? '' I asked. He said, \" Your letter is valid and is a legally binding document. If they ignore it, they are in violation. You should report them to the Lending Institution Regulatory Authority. '' XX/XX/XXXX, I called PNC and talked to XXXX. She assured me that she would personally find out what is going on and call me back in 2-3 days. Frankly, I don't understand what they are researching since they should know why they rejected my paperwork twice. In my opinion this \" research '' should already have been done if they felt they had grounds to reject the LOMA again and it should be noted on my file. I took a picture of my letter from our previous lender ( XXXX XXXX ) stating that they would refund our flood insurance since we were not in the flood zone according to the LOMA and sent it to PNC. I never heard back from XXXX.\n\nI called PNC and talked to XXXX on XX/XX/XXXX. He said, \" I see your letter. I will forward that on to the flood review department. You should hear back by XX/XX/XXXX. '' XX/XX/XXXX I called PNC to make sure things are progressing. I talked to XXXX who told me that according to her records they have until XX/XX/XXXX to get back to me. I explained my frustrations : I have called them five times. I have called FEMA twice. Our land surveyor says that the LOMA is a matter of public record and should have been reviewed by the PNC underwriters before they even decided to purchase our loan. FEMA suggested that I report them. The land surveyor, FEMA, and our previous lender all determined that we were not in the flood zone and not required to purchase flood insurance. I want to talk to a supervisor.\n\nXXXX said they will need 24-48 hours to get back to me. I told her, \" I have waited long enough. I want to talk to someone today. '' No one contacted me.\n\nXX/XX/XXXX, I called PNC 's customer service department. I talked to XXXX and asked her, \" Who do I talk to about a complaint? '' I explained the situation to her. She said she would review everything, find out what's going on, and call me back that day. I called customer service just before closing to see if XXXX had any answers for me. I talked to XXXX who said that a supervisor from PNC insurance department will be calling me tomorrow.\n\nThis is terrible customer service. If I had a choice I would take my business elsewhere. If there is a problem with the paperwork, a courtesy phone call would have been appreciated. These letters that they sent me don't tell me what the problem is - just that I should talk to FEMA which I have twice. They don't see any problems. I can't get through the front line of telephone operators at PNC to get to a person with any answers. This entire experience has been very frustrating. Most of the employees that answer the phone apologize and sympathize with me but I can't get any results.\n\nXX/XX/XXXX I wait anxiously for the 48 hour deadline to hear from a supervisor. It comes and goes. I call PNC insurance department. I wish I had the name of this employee because she was the most cold and unhelpful person I've encountered during this ordeal. She said in a snarky tone, \" It's not 48 literal hours. We have until the end of business today to contact you. '' So now, yes, I'm angry. I'm beyond frustrated. I raised my voice. While I tried to explain that I was in the process of reporting them because it was getting ridiculous, she talked over me and said she would disconnect the call unless I stopped yelling.\n\n\" Did you hear what I said? I'm going to report your bank because I can't get any answers to this problem, '' I repeated now calmer. \" Well that's your right, '' she said. \" You don't even care. I have called many times and talked to many people and no one has talked to me the way you have, '' I said. \" You were probably respectful to them and you have not been respectful to me, '' she claimed. She ended with, \" I will call you back at XXXX today to make sure that a supervisor has called you. '' I didn't hear back from anyone that day.\n\nXX/XX/XXXX, an executive calls me I think because of my complaint to the customer service department. He apologizes for all the hassle I've been through. I tell him my story. He says, \" We have to do whatever FEMA says. '' I said, \" Good because FEMA says the LOMA is valid and that you are in violation. '' He goes looking through the paperwork and finds the faxed LOMA. He tells me that it's very grainy and he can't read most of it. I offer to email him a picture of the document. He said to give him 2-3 days to get this figured out.\n\nXX/XX/XXXX, the supervisor for the insurance department calls. I give him an abbreviated version of what I've been going through. He apologizes and says that's not what they want to hear from customers. He mentioned the problem with the dates. I explained that the LOMA came after the maps and FEMA says it's valid and that they are in violation. He says he'll do some research to find out why it was rejected. I ask if he is the supervisor I asked to talk to on XX/XX/XXXX. \" I have no idea. I just heard about you an hour ago, '' he said. I asked him if he wanted me to email him the LOMA. He said, \" I think you've done enough. I'll take it from here. You and I will work together. I'll call you Monday. '' Monday XXXX calls back and says he sees that our property is in the flood zone according to the maps on the FEMA website. I say, \" I understand that it looks that way. That is why we have a Letter of Map Amendment. It is amending that map. '' He says that the letter is outdated. I say, \" I have talked to FEMA. They say the map is dated XX/XX/XXXX and the LOMA is dated XX/XX/XXXX. FEMA says that it is valid. Have you talked to FEMA? '' He says no and that he will leave that to the flood research department.\n\nPlease help me. I feel like I'm going in circles having the same conversations over and over again. FEMA, land surveyor, XXXX, and us are all in agreement and on the same page except PNC. PNC claims to side with FEMA, but FEMA sides with me when I call them. I don't understand and am beyond frustrated. I spoke with a loan officer from a local bank who told me that if we do not agree to purchase flood insurance and PNC is requiring it then they should never have purchased our loan. They do not have the right to force it upon us now especially since we already had it worked out with the previous mortgage company.\n\nThis has been a painful, stressful process and it didn't need to be. PNC let every deadline lapse without contacting me until I finally got the attention of an executive and supervisor ( who apparently didn't even know I had asked to talk to a supervisor ). While trying to communicate with PNC I was left with the opinion that this company is either incompetent or malicious. Neither word is appealing when choosing a mortgage company. I do not trust them and still do not have the issue resolved.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2812050", "source": "cfpb", "group_id": "cfpb/bd2c441ba653d18ec69b", "variant": "clean", "length_bucket": "long", "chars": 8699, "company": "PNC Bank N.A.", "date_received": "2018-02-12", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "bd2c441ba653d18ec69b9ecaa93a204763489fa721ad0ee57b34bda51a02e5be", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/ I singed a contract for the lease of a XXXX XXXX XXXX. During this transaction, I fully disclosed I was XXXX XXXX military. I provided my military Common Access Card, and a copy of my LES which in turn I was given a {$500.00} military discount. Aside from my full disclosure, there are other options for financial institutions to utilize to determine if the borrower is in the XXXX XXXX. During this time, I was offered GAP Insurance for {$990.00} in the finance department. I agreed to this item without realizing this item is prohibited from being offered to XXXX XXXX military under the Military Lending Act ( MLA ). XXXX XX/XX/XXXX I had spoken with the base JAG and was informed since the financial institution did not follow the MLA the lease agreement was null and void. I followed by contacting Toyota Financial Services the same day to discuss the error. I stated the contract was null and void due to a failure on their part to abide by the MLA. I called on two separate occasions. The first person I spoke with only put in a SCRA request and said someone would call me back. I waited about an hour but called again and spoke with a gentleman. He told me that although the GAP is not allowed I have to remove it and resign the contract and if I do not resign the contract and hand in the car then it will be reported to the credit bureau as a \" Voluntary Surrender '' and will negatively hit my credit. The problem is the current contract is not binding due to illegally selling me GAP insurance. Toyota Financial Services have threated negative action because of their failure rather than trying to rectify the situation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3110250", "source": "cfpb", "group_id": "cfpb/a2809a1f5b08f6cd3bf9", "variant": "clean", "length_bucket": "medium", "chars": 1639, "company": "TOYOTA MOTOR CREDIT CORPORATION", "date_received": "2018-12-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "a2809a1f5b08f6cd3bf9deba711ba89b539487910b9372017184c58ebf89db87", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Complaint against ChexSystems. I was notified by two financial institutions that there was a fraudulent attempt to open a deposit account in my name. I placed a Fraud Alert with ChexSystems. I subsequently attempted to obtain a copy of my ChexSystems report on line. After two failed attempts I called the number proved to talk to customer service. The number published by ChexSystems does not provide customer service. I called two different numbers listed by ChexSystems and was advised the number was only applicable to activating their monitoring product. They had no idea how I could speak with a customer service representative regarding my report. I downloaded the ChexSystems Request form to obtain my report. and mailed it to the address provided on the form. I received a response on XX/XX/XXXX, XXXX which was merely disclosures and a security alert request form. I did not receive the requested report. This unfair and deceptive in that ChexSystems customer service numbers, XXXX and XXXX, do not connect you with a customer service representative that can answer questions and submission of the report request form does not result in providing such form. I have attempted to attach a copy of the request form and response, but they exceeded the memory limit.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "unable_to_get_report", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/6785882", "source": "cfpb", "group_id": "cfpb/d8d1a7f2d8778e86b83f", "variant": "clean", "length_bucket": "medium", "chars": 1271, "company": "Fidelity National Information Services, Inc. (FNIS)", "date_received": "2023-04-04", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Unable to get your credit report or credit score", "sub_issue_raw": "Other problem getting your report or credit score", "text_sha256": "d8d1a7f2d8778e86b83fd5a1e7f7c092a6669d9c23a2151a6833a785af8dd196", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX a statement from XXXX asking for a higher amount wanting tax impounds XXXX statement had no information about that ..I contacted XXXX XXXX XXXX to be told they had paid on my taxesXXXX did not send me ANYTHING SHOWING THAT THEY PAID TAXES .The XXXX tax office had been putting refunds back in my account late XXXX and XXXX.I had no paperwork from XXXX OR THE TAX OFFICE to tell me what payments had been made from XXXX OR ME.Covid closed the tax offiice between XXXX TO XXXX it takes three months to catch up with under normal tax years COVID THEY WERE CLOSED LONGER XXXX refused to give me proof of what they had done until I filed a complaint with CFPB.XXXX sent me a letter in XXXX saying I had defaulted on my loan.NOT ONE PAYMENT HAD BEEN MISSED.XXXX tried to change my payment to impound INCLUDING taxes WITHOUT ANY PRIOR NOTICE OR INCLUDING AMOUNT THEY THOUGHT WAS OWED OR THAT THEY PAID .Letter to CFPB said XXXX forwarded tax payment XX/XX/XXXX i had XXXX payment coupons for XXXX & XXXX WITHOUT ANY MENTION OF A TAX PROBLEM OR PAYMENT.Called & stayed on hold for someone to explain i sent phone bills to show 91 minutes several times.No one is allowed to give information They just keep transfering and asking questions the same thing over and over.Without any answers.XXXX is the mother company XXXX after days + hours of calls XXXX faxes XXXX at XXXX called me on the phone and I agreed to pay {$760.00} XX/XX/XXXX above my normal payment.She said that would stop a foreclouser..never late ever no information to alert me AND A LETTER SAYING I AM IN DEFAULT TO GO INTO FORECLOSER? XXXX TRANSFERED the loan same month to Planet Home Lending when receieved their papers a letter said i was seriously in default .I had bank statements to prove i never missed a payment or was late.With proof of the {$760.00} made above the XXXX PAYMENT. Planet did not care .They wanted they said now {$1300.00} I KNEW THIS WAS ALL A TRUMPED UP EFFORT TO GAIN FEES NOT DUE BECAUSE I KNEW WHAT I HAD PAID to the tax office.Without any document any where showing what they say they paid to tax office .NOW the new preditory lender not showing the payments paid to XXXX SAYING they did nt get loan until XXXX.Planet employee ( XXXX ) said it was XXXX the letter from XXXX was XXXX .XXXX was the extra payment above regular payment .Planet said they cant see anything before XXXX XXXXWHAT LENDER TRANSFERS A LOAN WITHOUT HISTORY?\nafter making all the payments EVEN PAYING XX/XX/XXXX {$1300.00} to Planet Home Lending the actual pmt is {$980.00} XXXX responded to CFPB saying XXXX tax had refunded them 2 checks {$200.00} each and sending {$300.00} ( the amount XXXX CLAIMED THEY PAID was {$1700.00} and {$750.00} NO THEY INTERFERED WITH payment not DUE until XX/XX/XXXX, only paid total {$1400.00} of which {$700.00} was refunded ASAP .Now {$700.00} is left I paid {$760.00} on XX/XX/XXXX along with {$380.00} from {$1300.00} XXXXAlong with the fact XXXX KNEW what they claimed to have paid was less requested the additional refund from tax office in XXXX knowing that with refund already of the {$700.00} and the {$760.00} i paid before they transfered the loan with the refund of {$54.00} they have not mentioned {$650.00} tax office is sending ... ..the whole scheme to gain these extra $ $ $ $ is not coming together as planned. TAX OFFICE REFUNDED ME {$900.00} caused real chaos for the tax office who was short handed with covid .And me trying to get the real facts of what had happenedXXXX EVEN told CFPB they payment i had made of {$860.00} 60 had not been paid.Also a {$54.00} penalty XX/XX/XXXX yet not one statement shows that .I had paid checks i did miss a payment .Caught up except for {$200.00} when XXXX DECIDED TO interfere for the SOLE PURPOSE OF PUTTING A PROPERTY IN FORECLOUSER. I have proof now of a lot more .Planet Home Lending has sent me payment coupons every month two or three times a month with different amounts. {$2100.00} above the real payment NO EXPLAINATION AT ALL.SOMETIMES {$740.00} OTHER TIMES THE correct amount like every third payment .I have not missed any .I just started paying {$51.00} higher with knowing i dont owe it with informing PLANET HOME LENDING THE hours of trying to get a corrected statement are over.Planet when i offerd to supply the proof from the tax office there was no impound account ..The lady who tried to help from Planet Home Lending last week was told by her superior .That i had to get XXXX TO GIVE THEM THE INFORMATION.I hit the roof .I called again a man from XXXX XXXX??? what on earth is that?? confirmed it he said XXXX WILL NOT TALK TO Planet he claimed privacy XXXX ANY LENDER THAT SERVICES A LOAN HAS A REPONSIBILITY TO SERVICE THE LOAN NOT STEER PEOPLE with a statement that says we took the loan without any knowledge of payments and because of that we can just make it up and send it out BECAUSE WE DONT KNOW WHAT THEY HAVE IN MONEY THAT YOU PAID? really excpecting me to accept that.. Talked me down .Now i am really scared of what they will do next .The man and a woman said they are not entitiled to know what information on me or the loan prior to XX/XX/XXXX THEY CAN NOT GO BACK BEFORE XX/XX/XXXX ... .this is a effort to put people in a comprimized situation creating so much confusion you as a borrower are kept off guard so much .That I have agreed in hopes they as a finacial institution would do the ethical thing to resolve it.After speaking to this man I was transfered to LAST WEEK i relialize this is worse than i thought.He informed me for the first time NEVER heard this .I have a COMMERCIAL LOAN.Not true this is a conforming single family FOURPLEX single family homes all with SEPERATE METERS yards garages laundry room ON A LOT RESIDENTIAL .LOT WHAT IN the h is he talking about ... ..FIXED RATE... .now i have pulled out papers you will not believe.. I have been put into a bed of LIONS THE ONLY LOANS I EVER HAD ARE ALL XXXX XXXX REAL BANKS WHAT IS THIS MESS... THERE WAS NO LOAN ON THIS PROPERTY MY APPRAISEL WAS IN THE HIGH 700S WITH MY CREDIT SCORE AROUND XXXX I HAVE BEEN LIED TO THESE PEOPLE ARE NOT LENDERS??", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/5159474", "source": "cfpb", "group_id": "cfpb/ac079bdbd2ef7da75e86", "variant": "clean", "length_bucket": "long", "chars": 6129, "company": "PLANET HOME LENDING, LLC", "date_received": "2022-01-28", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "ac079bdbd2ef7da75e86e0dd55870f65692bccc9146b4afa3be48257101ec57b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "These people called XXXX of times and a few time said we was going to jail and going to sue us, and the still call about XXXX times a day for sure the same time at XXXX every morning, i told them many times to stop calling and they still call and also call our cellphones. and now they have a robocall system that calls right on time each day. The name of the place is called PortfolioRecovery", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1373497", "source": "cfpb", "group_id": "cfpb/dde8f22bb52c235bd104", "variant": "clean", "length_bucket": "short", "chars": 393, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2015-05-13", "product_raw": "Debt collection", "issue_raw": "Taking/threatening an illegal action", "sub_issue_raw": "Threatened arrest/jail if do not pay", "text_sha256": "dde8f22bb52c235bd1049eda3cdcdab4692854aa218cbb44a6caf19b4ed1038b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The representative has been calling me after I told him not to contact me anymore. I told him that the debt was invalid. Sent him proof via email and he repeatedly calls me. He even is calling at XXXX and XXXX. I have sent numerous emails to him to stop contacting me and he won't stop.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3144869", "source": "cfpb", "group_id": "cfpb/dba69767eb980f21f3e1", "variant": "clean", "length_bucket": "short", "chars": 286, "company": "Hillcrest Davidson & Associates", "date_received": "2019-02-06", "product_raw": "Debt collection", "issue_raw": "Threatened to contact someone or share information improperly", "sub_issue_raw": "Contacted you after you asked them to stop", "text_sha256": "dba69767eb980f21f3e1ab224e5a44b5760804649eff2bf6bdee1499a26553da", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Sir or Madam, 1. ONEMAIN Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.\nI immediately disputed this information with ONEMAIN and the results of the investigation came back \" verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously \" verified '' them, I am very curious as to what kinds of \" records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4854688", "source": "cfpb", "group_id": "cfpb/524f3e3e38bd9546b103", "variant": "clean", "length_bucket": "long", "chars": 5925, "company": "OneMain Finance Corporation", "date_received": "2021-10-28", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem with a credit reporting company's investigation into an existing problem", "sub_issue_raw": "Was not notified of investigation status or results", "text_sha256": "524f3e3e38bd9546b10341f4a6fba165d22d5e38063279984ad7257abe5bd49a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a letter that said that I owe {$29.00} dollars to general insurance. I paid the full amount of my debt. I get car insurance trough a brooker ( XXXX XXXX ) they are the one that switch my car insurance, the same day I switch insurance trough freeway, my debt was paid and set up another account. I always paid XXXX XXXX XXXX, and was not able to pay to general insurance directly and was not able to do any changes to my account directly. XXXX XXXX was responsable for any debt.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/5455319", "source": "cfpb", "group_id": "cfpb/6630aa1ba30f237219b4", "variant": "clean", "length_bucket": "short", "chars": 488, "company": "FirstPoint Collection Resources", "date_received": "2022-04-16", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "6630aa1ba30f237219b4a8d09b4c40e47f7063fbd5dd679d1a89a8f1b079fbcf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have already tried resolving this problem with AMEX ( ref : XXXX-XXXX ) and here is the previous summary : ( A ) : Submitted on XX/XX/XXXX : I have been a customer of American Express ( AMEX ) consumer cards since XX/XX/XXXX but was the receiving end of few dubious practices. Here is the chronology of event ( s ). 1. In XX/XX/XXXX, we started a XXXX XXXX ( XXXX XXXX XXXX XXXX dba XXXX ) with three partners and applied for business card ( s ) for the same. 2. As part of the application process, AMEX asked several questions about the business - nature of legal entity, license number, employees, expected spend, topline revenue etc. 3. Eventually the card ( ending XXXX ) was issued to partners and few of our employees, the most we spent on the card was about $ 15k in a month and always paid our bills on time. 4. In XX/XX/XXXX, the business hit a few snags and the legal entity dissolved and there was {$3400.00} due on the AMEX card at the time of dissolution of LLC. 5. In late XX/XX/XXXX, AMEX customer support team called me and literally threatened me that all the dues will be reported against my personal credit and essentially froze all my personal cards where I was paying bills on time. 6. I asked the customer rep that no personal information ( like SSN ) was asked in step-2 so what gave AMEX rights to attach business card of a LLC to my personal account. The rep had no answer and suggested opening a ticket to inquire with their IT team to get details of application sign up session. I agreed to the recommendation as I wanted to be fair to AMEX as well. 7. In order to avoid further escalation, I paid the dues and clearly told AMEX customer service rep that I am waiting to get details of my explicit consent to attach a business card to my personal account. 8. It has been almost 6 weeks, I have called them twice ( XX/XX/XXXX and XX/XX/XXXX ) and the customer service rep answering does not seem to recall any details from the previous conversation and AMEX has not furnished any proof of my explicit consent. This is a predatory practice from AMEX that has harmed me and possibly many other small business owners : 1. AMEX essentially overrode the LLC structure of business by flashing a 15-page PDF with relevant clauses buried somewhere in the fine font. 2. Nowhere during the online application process AMEX explicitly declared prominently that the credit card was issued on a personal guarantee. If personal gurantee was all that AMEX cared for, then the application process should have highlighted this fact prominently instead of burying it in fine print. 3. We even issued cards to partners and other employees thereby exposing myself to a huge financial risk as I was unaware that the credit card is my sole financial responsibility. 4. Even after repeated attempts, AMEX has not been able to provide following information about the card application : a ) Date and time of credit card application b ) IP address of my machine c ) SSN number filled out on the application form.\n\n( B ) : AMEX 's response on XX/XX/XXXX : We have completed our research and have attached a copy of our response for your review.\n\n( C ) : I have sent the form AMEX sent duly filled out and sent back on XX/XX/XXXX Since then it has been over three months and there is not even an acknowledgement from AMEX. So the summary of this whole things is as follows : 1. AMEX waived my right to litigate in their T & Cs 2. AMEX used predartory practices to push a business card and shoved the \" peronal liability '' part somewhere in the fine print.\n3. I never provided any personal information or even agreed to bear the liability of business account on my personal credit.\n\n4. AMEX flexed its muscle and threatened to destroy my personal credit for which I never consented.\n\n5. When I filed complaint with CFPB about AMEX and asked that if AMEX to provide IP address, day, time and SSN number filled out at the time of busiess credit card application.\n\n6. AMEX closed the resolution on pretext of sending me paper forms that essentially requests the same information as ( 5 ) and have not responded for over three months.\n\nAMEX first indulged in predatory practices and now they are indulging in diversionary and delaying tactics.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3541788", "source": "cfpb", "group_id": "cfpb/6ed282ffc963d31f1fc7", "variant": "clean", "length_bucket": "long", "chars": 4244, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2020-02-23", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "6ed282ffc963d31f1fc7bbd15309e99699b6e5312233800b54a3228e138cf796", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXXI received offers for Tuition Answer loans from XXXX XXXX, ppaid to borrower ( myself ) as a single parent to assist the needs for my son beginning to attend XXXX. These funds were used to purchase a laptop, help buy and maintain an older car, transportation across state, pproperty insurance and various needs that happen.\n\nHe worked hard and attended XX/XX/XXXX-XX/XX/XXXX, didnt complete a degree program and unsure if in the right direction. He stoppped attending and returned home in XX/XX/XXXX, strived to find employment and regroup since.\n\nAfter a 6 months grace period XX/XX/XXXX-XX/XX/XXXX I received a payment booklet that had payment \" coupons '' for $ 300-400 a month. I was shocked and regrettably dont have this booklet anymore. I called and was told this was a 4 year payment plan. I stated I only borrowed what I felt I could afford to pay back averaging $ 50-75.00 a month basing on a federal loan review over a 10 year payment plan.and not a high income. At the time i worked basically part time with the public schools.\n\nMy principal has almost doubled since then, and am now QUESTIONING that my son is/was considered a \" co-signor ''. In no way would I have had him a cosignor-an unemployed full time student striving to create a better way, a career, and some possibilities. He was receiving Stafford Loans, had a couple small scholarships to cover costs of attending and is striving to repay.\n\nI BORROWED TO ASSIST HIM as a PARENT. I included his name as a student on the loan applications as the attending student thinking this was required, not as a co signor or borrower responsible for loans I was asking for to assist his education, and that I had SOME management over as an XXXX year old stepping into a university environment..and all that can happen on campuses ( sadly in many ways, for what is required of somewhat vulnerable young people, a big university, studies, time and money management ) He is striving to pay on Stafford loans and debts, and I do not want him included in this repayment.\n\nI am currently maintaining a 37-40 hour employment, not a high paying position and have had housing cost double when the building was sold and upgraded, am self supporting and dont have extended family sources-nor does my son. This is an expensive area-XXXX- and moving isnt an easy option either.\n\nI have been offered to look at a lump sum settlement (XX/XX/XXXX) possible reduction or forgiveness, have had the multiple robo calls, have had forbearances, and a lower interst program for 1 year ( XX/XX/XXXX-XX/XX/XXXX est ) I made a call on XX/XX/XXXX and was asked \" what could I pay-attempting to avoid default '' - .I replied about {$50.00}. They said by XXXX XXXX tomorrow. I said I could n't do anything until a payday. and what would {$50.00} do or be applied toward?\n\nI have since again contacted onXX/XX/XXXX and paid {$38.00}. I was offered a possible payment plan for 1 year of 1 % interest, {$110.00} per month and that the payments would not apply to principal until 7-8 months into the program. Right now, in all honesty this is what I have every 2 weeks for food, some gas. I am also paying on some small accounts, and see progress over time and to be paid for will improve my situation at some point over the year ahead.\n\nI contacted a legal office to find some support, sent documents I have and this didnt resolve anything at this time. I have searched for other possible solutions and feel in circles right now, along with the many lawsuits taking place, so many questions and vague solutions.\n\nI am frustrated and feel defeated, and that the amount will continue to grow no matter what I do.\n\nThis isnt a huge loan total with XXXX XXXXNavient, though it is doubling. One inquiry states 2 loans have been paid 60 %, 3 loans have been paid 30 %. The beginning principal was {$7800.00}. I strive to live within my means- which is not much.\n\nI DO NOT WANT my son to be involved in this and feel this was misinformed and somewhat deceptive ( attending STUDENT, NOT a CO SIGNOR ), as well as the huge payment question referred to above, the forbearances, the same questions of what is going where and why does the amount just grow.\n\nI have copies of dates and loans, have made payments and have had some forbearance periods, normally {$120.00} a month might be manageable yet to never see progress is very upsetting and feel the same as many other borrowers. I have some of the most recent letters to settle or lower or possible forgiveness.\n\nSo much doesnt make sense and i question accounting and the same questions of other borrowers with private loans. I wish I had never borrowed, somewhat uninformed on the results.\n\nThank you.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2785050", "source": "cfpb", "group_id": "cfpb/1b02ea4e5927a76b6186", "variant": "clean", "length_bucket": "long", "chars": 4691, "company": "Navient Solutions, LLC.", "date_received": "2018-01-18", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Problem lowering your monthly payments", "text_sha256": "1b02ea4e5927a76b6186383efc9102dac4760b6c58381e21bb0eb3eb22b65893", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2023, I took out a loan with LoanStar Title company in XXXX, TX for {$2500.00}. Upon receiving the check from LoanStar, I attempted to cash the check at their bank, XXXX XXXX, in which the bank stated that they could not cash the check due to insufficient funds. I then called LoanStar to inform them that I was having difficulty cashing the check, they proceeded to tell me to try a different bank. Upon doing so I received the same result from a different XXXX XXXX. I then proceeded to deposit it into my bank account with XXXX via the mobile app due to it was XXXX XXXX and the banks close at XXXX XXXX, and it was accepted and then later denied and placed on an administrative hold. I called my banks customer service number only to find out that my account was immediately placed on hold and was frozen due to the system could not verify the validity of the check from LoanStar. The customer service rep with XXXX then proceeded to inform me that more than likely the check will be returned and they would not be able to process it. I called LoanStar back and spoke with XXXX and XXXX to explain to them what happened and XXXX suggested that I should just cash the check at a regular check cashing place and that no one has experienced issues with cashing their checks in the past. By this time, 3 banks, including my bank had rejected the check and I needed the funds to cover funeral expenses. I didn't know what to do next, so I decided to wait to see what will process overnight. The next day, XX/XX/XXXX, I attempted to use my debit card and it declined and said invalid account on the POS system. I called my bank to see why my debit card declined and I was informed that my account was still frozen and the rep proceeded to tell me that my account had been closed due a fraudulent check that was deposited the day before. The fraud department was closed and would not open again until Tuesday, XX/XX/XXXX due to the XXXX was XXXX 's XXXX. I proceeded to go to XXXX XXXX XXXX XXXX in XXXX on XXXX since it was the closest location to where I was at the time and explained to the teller my situation. She asked me if I had already cashed the check at another check cashing location and I answered, no. She proceeded to submit the check to her corporate office and it came back approved to proceed with the cashing process. Fast forward to XX/XX/2023 and I received a called from XXXX XXXX XXXX XXXX corporate office and XXXX proceeded to inform me that the check that I'd cashed from LoanStar ( Wellshire Financing ) was returned as already being cashed. My account with XXXX was still frozen and the check had not cleared my account and again I was informed that it was on an administrative hold due to the check was not verifiable. XXXX 's is asking for their money back and nothing had cleared with my bank, and it looks as though I would be out of pocket {$2500.00} with a closed account and not able to access any of my payroll or deposited funds. I had kept in touch with LoanStar throughout this ordeal and there wasn't much help provided other than XXXX forwarding me a copy of what appeared to be a cleared check from his bank. I thought the cleared check was from XXXX XXXX XXXX XXXX due to this was the only place that successfully cashed the check. In mid XXXX, my XXXX account was finally restored and they manually released the {$2500.00} check that was submitted via mobile deposit. I then contacted XXXX on the XXXX to setup with XXXX XXXX XXXX XXXX to set up a time for me to come by and disburse the released funds. She'd informed me that it would be an additional {$30.00} for the returned check. On XX/XX/XXXX, for no reason and without any explanation, LoanStar towed my car away. I thought it had been stolen so I reported it as such. Upon speaking to LoanStar, they towed it because they said I was extremely late on my payment, which the payment was just due on Sunday, XX/XX/XXXX. I called into their office on XX/XX/XXXX and informed XXXX that my payment would be a little late on the XXXX due to I had just recently regained access to my banking account again and she stated that my account would be notated and that there would be a late fee accessed, and I stated that this would not be a problem. By this time, I did not have transportation and I had been in constant communication with LoanStar 's travelling Supervisor in which she proceeded to inform me that their legal office actually towed my vehicle due to the check being cashed at XXXX 's and that they had to pay XXXX 's check themselves. I had been in contact with XXXX at XXXX 's and she informed me that this was not the case. On XX/XX/XXXX, I went into LoanStar and paid the entire balance off and was handed my title to the vehicle and XXXX informed me that her supervisor would contact the towing company with the lien release for me to be able to pick up my vehicle. I proceeded to the towing company, XXXX XXXX in XXXX XXXX, TX, only to be informed that LoanStar had in fact ordered my car to be auctioned off on XX/XX/XXXX ; less than 7 days after towing my vehicle. I called LoanStar back and spoke with XXXX again and she then proceeded to tell me that \" Oh yeah, we ordered this yesterday, \" I'm sorry, my system didn't update while you were here ''. I called the auction location and they informed me that LoanStar needed to release the vehicle, in which LoanStar refused to do so even after I paid the account in full.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6811247", "source": "cfpb", "group_id": "cfpb/cb7ac4715ca846b515c9", "variant": "clean", "length_bucket": "long", "chars": 5442, "company": "Select Management Resources, LLC", "date_received": "2023-04-08", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Vehicle was repossessed or sold the vehicle", "sub_issue_raw": "", "text_sha256": "cb7ac4715ca846b515c9a3c9439cf09390b18fd858b710e13bf0779de61eee61", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have the XXXX Credit Card with Chase Bank. OnXX/XX/19, I was charged my {$75.00} annual fee for my card. On XX/XX/19, I called to request an upgrade to the XXXX XXXX XXXX XXXX which has a {$95.00} annual fee. I was told that they would be crediting my {$75.00} fee and charging the {$95.00} fee. Fast forward, the {$95.00} fee hit my account on XX/XX/19. This is deceptive.\n\nI budget my expenses on a monthly basis. I planned to pay the {$95.00} annual fee when i performed the upgrade back in XX/XX/XXXX. It is unfair for Chase to secretly place a {$95.00} fee on my account 5 months after performing a transaction. To me, it feels as if they were hoping I wouldn't notice, not pay my bill, and get charged interest on the fee since it wasn't a planned expense for the month of XX/XX/XXXX.\n\nChase did not tell me that the fee would take 5 months before it hit my account. Chase did not email me or call me to let me know that it the fee was posted on XX/XX/XXXX. There was no attempt made to inform me.\n\nIt concerns me that Chase feels that it is appropriate to delay the charging of fees until their customer may not notice it, in hopes of tricking them when they aren't expecting it.\n\nWhen I spoke with an agent and then their supervisor, they told me that it could take up to 6 months before an annual fee hits the account when performing a product upgrade. This is not in the terms and conditions or visible on a product page or in any of the communications.\n\nThis should not be allowed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "fees_or_interest", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3341959", "source": "cfpb", "group_id": "cfpb/8c57697a70f1d33cde34", "variant": "clean", "length_bucket": "medium", "chars": 1500, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-08-15", "product_raw": "Credit card or prepaid card", "issue_raw": "Fees or interest", "sub_issue_raw": "Problem with fees", "text_sha256": "8c57697a70f1d33cde34b3a7a52698027d91b772f4ed86cb53db9b24a12fe344", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi My name Is XXXX XXXX I received a personal loan in the Amount of {$5000.00}.\n\nFrom Oportun Inc Loan No XXXX was paying on time and I was Surprise to find on the credit report that OPortun Report 2 late Payment in XXXX and XX/XX/2021 XXXX contact the Lander to do Good Will Deletion they refuse to do it When I called and I talk with one member of the customer He told me the company had some issues with the software. The LoanHas Been Paid off.\nI am asking you to Intervene in this Matter..\n\nSincerely XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"unexpected_fees": "Charged fees or interest you didn't expect", "struggling_to_pay": "Struggling to pay your loan", "making_payments": "Problem when making payments", "payoff": "Problem with the payoff process at the end of the loan", "getting_the_loan": "Getting the loan"}, "label": "making_payments", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6584539", "source": "cfpb", "group_id": "cfpb/42ba1d18868249a9d437", "variant": "clean", "length_bucket": "short", "chars": 517, "company": "OPORTUN FINANCIAL CORPORATION", "date_received": "2023-02-18", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "42ba1d18868249a9d4373759aa899762323995c24f36638b948d3b1ac6d1b8a4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My account was created XX/XX/XXXX with Coinbase XXXX Account changed to XXXX around XXXX could still login up until XX/XX/XXXX XX/XX/XXXX tried logging in from XXXX, account blocked contacted support several times and told it would be resolved, it was not XX/XX/XXXX I contact support via new coinbase account, follow steps to set up account and pass quiz. Support tell me that since my account is high value it will be resolved urgently and funds transferred to my new account. I send a selfie with passport and todays date to support to finish security. Told that specialist team will follow up with email after funds transferred No follow up email 3 weeks later I contact support again and Im told my funds were liquidated because I set my account up with Coinbase XXXX XXXX XXXX and all funds were sent to the State of Wyoming on this date XXXX XXXX XXXX I highly suspect internal fraud at coinbase support", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9858294", "source": "cfpb", "group_id": "cfpb/01f6376ab356a03b3942", "variant": "clean", "length_bucket": "short", "chars": 910, "company": "Coinbase, Inc.", "date_received": "2024-08-20", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "01f6376ab356a03b39428dfe1e4c314fc4bda9bd1a7b416f1656e8b637ae261c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "1. Three ( 3 ) transfers made from my XXXXXXXX XXXX to the Cdn recipient account to date that are not received : i ) {$2200.00} US ( {$3000.00} CDN ) sent XX/XX/XXXX.\nii ) {$300.00} US ( {$400.00} CDN ) sent XX/XX/XXXX I have submitted the recipient 's bank statement showing non-receipt. When contacting their bank, recipient is told no transfer appears as pending. I have previously send 10s of thousands ( if not hundreds by now ) in aggregate over the years using Wise, formerly TransferWise. The transfers have always arrived by the second business day and usually within 4 - 8 hours of being sent.\n\nI have contacted them multiple times. Initially, I received what appear to be boilerplate auto replies. Now I am receiving nothing. I have not yet located the customer service phone number. It is not readily available on the app or site. It appears this is a known issue so I am not waiting longer to raise the red flag. My family needs this money and we can't wait weeks or months for a resolution.\n\nI have attached the 2 'receipts ' Wise provides with a link on the app. The receipts imply that the reference number on each document a XXXX XXXX confirmation number. The recipient presented these to the XXXX division of their bank ( XXXX ). That team was unable to locate any inbound XXXX transfers in general or with those references, specifically. The next step Wise recommends online is to upload a bank statement demonstrating non-receipt since the date it was sent. This was done. There was no reply to this submission ( 2 days ago ) although they declare a response will come in 1 business day.\n\nIt was at this point I did some investigating and found that Wise has been doing this to others.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "money_not_available", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6994715", "source": "cfpb", "group_id": "cfpb/e33f8f8501babc732846", "variant": "clean", "length_bucket": "medium", "chars": 1710, "company": "TransferWise Ltd", "date_received": "2023-05-18", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "e33f8f8501babc732846b93529c5ab1971c268b1bb8867e50680616cc5fb1778", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear CFPB, Below is the chronology of the case 1. I bought product from merchant in installment payment without time limit. The invoice worth {$2700.00} USD. Invoice attached here. For your information, invoice is paypal invoice. I paid in total {$1200.00} months ago and i have no idea that PayPal did not count the invoice as buyer protection but only count each payment made for 180days buyer protection.\n\n2. Before pay the remaining balance of the invoice {$1500.00}. I contacted seller in XXXX. Why XXXX? Because XXXX is the only place we communicate as i dont have her XXXX number nor her mobile number. Seller online but did not response to me. I tried XXXX call as well but ignored. And then, i tried to contact her via XXXX pretend to ask about one of her listings and replied immediately. Attached XXXX inbox and XXXX response from seller. Therefore, it can safely concluded that seller avoid me purposely.\n\n3. Something sounds not right for me so i decided to open case of previous {$1200.00} payments and found out already passed time limit. Because i trust PayPal i paid the remaining balance of {$1500.00} through PayPal invoice in order to open the case despite the fact that seller ran with my {$1200.00}. With a hope that PayPal can investigate this to its roots.\n\n4. As you can see, balance paid by XX/XX/XXXX and i fill a dispute right away. Normally it takes 7 days before i can escalate it to a claim. But because i called PayPal. And told the whole story also provide black on white evidences. PayPal cs escalate for me because i told PayPal cs that in the invoice there is terms and conditions made by seller saying that in any events if buyer change mind there is 5 % restocking fee and the rest of the amount that already paid will be converted to a store credit. I told PayPal cs previously i will honor the terms and conditions made by seller for 5 % restocking fee but i refuse store credit because sellee is not selling anymore for the past half year. So store credit is no point. How to buy from someone who doesnt sell for half year already?\n\n5. Because seller avoid me after took my money i decided to cancel the transaction because i dont want problems. Shipping from usa to XXXX as shown in invoice is {$160.00}. In case items received broken/incomplete PayPal only cover shipping refunds at maximum {$20.00}. And in this pandemic situation, you can also browse news XXXX is the epicenter of covid 19 in XXXX. I wont jeopardize myself to go to post office/shipping carrier with a risk to be exposed in covid.\n\n6. I never fight for 5 % cancellation fee mentioned in terms and condition of PayPal invoice but seller has shown unethical business practice because case escalated to prevent her to ship the items but yet she still ship it.\n\n7. I raised my concern to PayPal and PayPal said i can refuse package from XXXX. Paypal will take care for me. But in this pandemic everyone needs money and i have conscience so i stop the shipment while still in USA. If i refuse the package after arrived in XXXX seller will loss another {$160.00} shipping cost back from XXXX to USA. Im being considerate here and try to save money and trouble for everyone but this is what i get in return.\n8. All calls i made to PayPal usa are recorded. I called PayPal on XXXX XX/XX/2021 to ask why case estimate pushed back to XXXX XX/XX/2021 and PayPal cs keep assuring me to wait until XXXX XX/XX/2021 PayPal promised i will get full refund of {$2700.00} invoice value if seller still not respond. And when i called PayPal XXXX XX/XX/2021 PayPal also assures me if within a day seller still not response to PayPal case will be closed in my favor. But all are empty promises. Fortunately i record all the call as precautions.\n\n9. Paypal emailed me on XXXX 2021 stated that PayPal has credited temporary provision refund to me but it doesnt reflected in my credit card. Therefore, yesterday i called PayPal. PayPal cs admitted its a mistake and never credit any refunds to me. What kind of mistake is this? Is this mistake acceptable for a big company like PayPal? Attached the email from PayPal.\n\n10. PayPal cs asked me to confirm with XXXX. If package confirm returned successfully and received by seller. I already provide statement from XXXX upper management specialist confirmed that seller has received back her package on XXXX XX/XX/2021. If PayPal wants to confirm the legitimate email from XXXX. PayPal is free to call and confirm with XXXX rather than keep me hanging and keep dragging me? Its such a huge amount of money. I would not pay {$1500.00} and makes me sink even deeper risking loosing {$2700.00}.\n\n11. I would like to clarify regarding seller statement on the case. First, seller excuse not to reply me because i change my XXXX name so she doesnt know me. Its total lie. Regardless what ame i changed into, the XXXX has the message logs between me and her. She can scroll and find out who im. Or else, if shes lazy to screenshot she can ask me who im. And if she doesnt reply because she doesnt know me why she replies in XXXX to a stranger who ask for her item availability? Second seller accused me to block her from XXXX. Attached the screenshot of the message in XXXX of seller asked why i block her. My questions are if i block her how come i receive her message? And the funniest thing is, She has thousands dollar of my money why would i block her? Shouldn't be the other way around?\n\n12. Attached here the copy of XXXX label, airway and commercial invoice filled by the seller that i received from XXXX XXXX. As shown the package value written by the seller is {$2700.00}. It match the total value of the PayPal invoice billed to me. Its undeniable evidence prove that i never receive any items in the PayPal invoice before. Therefore as recorded on my call with PayPal. Paypal will refund me total of full amount of the invoice {$2700.00}. Please crosscheck the commercial invoice with XXXX to confirm if the commercial invoice sent to me by XXXX that i attached here is a correct commercial invoice seller provided to XXXX.\n\n13. Paypal change case filled on XXXX XXXX yesterday from item not received to item significantly different. How come PayPal justify its actions? Item returned to seller not even out from USA yet. Merchant can use it against me by saying im a liar. How come i claimed item significantly different if i never see it at all?\n\n14. After that i immediately call PayPal and make a complaint about this. PayPal then change back the case to item not received. But its back to square one. Back to first step of dispute. Exactly the first step at XXXX XX/XX/2021 the first time i filled the case. Its dragging, twisting and just unjustifiable.\n\n15. PAYPAL refuse to be responsible for their merchant invoice issued to me with excuse that its not an invoice eventhough the invoice has PayPal head logo on it. Paypal CS also asked me to provide additional information such as XXXX confirmation stating that seller already received her package back and send it to XXXX but yesterday when i spoke to the dispute specialist she said its wrong information as inbox not monitored but PayPal cs told me kust ignore the auto reply email because they will still add the additional documents. After that the specialist ask me to attach the additional information to paypal.com/il/uploaddoc. I did uploaded but she said she dont see any documents uploaded after that she asked me send to XXXX but then i also receive an auto response asked me to login and leave message.\n\n16. I have reached out to upper management through XXXX but all of them no response and some of them read my message but ignore me. Attached the XXXX messages.\n\n17. Paypal refuses to provide me full refund of the total invoice of {$2700.00}, despite there is a black on white evidence which is commercial invoice seller provided to XXXX for the value of package that match the total invoice of {$2700.00} and cornered me saying that i keep bringing the value of invoice. I would like to ask CFPB which seller in conscious mind will send buyer a package with product valued at {$2700.00} when buyer only paid for {$1500.00}?\n18. Paypal stated that {$1500.00} i paid not through invoice. When in PayPal APP shown clearly its paid through PayPal invoice. I dont know why every PayPal agent even specialist always say different from another and always try to escape from responsibility by asking me who is the agent that provide me such information 19. PayPal cs promised me that PayPal will go through this case and will provide me FULL REFUND OF THE TOTAL INVOICE OF {$2700.00}. Because proven that the value of the package match the value of the total invoice.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4570878", "source": "cfpb", "group_id": "cfpb/92b2981240b4a9a7704d", "variant": "clean", "length_bucket": "long", "chars": 8697, "company": "Paypal Holdings, Inc", "date_received": "2021-07-24", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "92b2981240b4a9a7704d3ebaebdb7fa7e5cac7e5805b83ca7106793f49c65c96", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, my name is XXXX XXXX. Early in the month of XXXX my identity was whats the Stolen. My account is simple, whats taking over in the perpetrator who is unknow .Cleaned out my account. I was working with simple to recover some of my funds through visa zero liability policy. I sent them all the legal documents I could advocating for myself. My first claim was closed and the second claim when I reasserted the claim. That is not my primary purpose of writing to you. I had another problem with their service on the XXXX of XXXX I was informed through in writing communication that my account was open to receive my pre-scheduled direct deposit for the incoming transfer scheduled to be posted on the 1st. Upon opening my account with them I agreed to their disclosure where it was stated that it is their duty to correct electronic transfers and compensate for any damages that their error has caused. One representative XXXX I spoke to said the department would reach out to me in the future. Unfortunately I know longer have that message from XXXX in our logs on there site but i will attach proof of conversation as well as evidence that leads to curoberate that the bank intenually made them not available for a unknown reason. To conclude due to simple negligent misrepresentation I went 17 days before being able to access those funds. In the midst of all that I was past due on my rent and electric due to simple banks ruling against me. I would like to note I made a report with FTC for my identity in regards to my identity being stolen, fbi and contacted one of the merchants and their response in our communication was that they would work with my bank to refund me. I will attach all the documents in regards to the dispute at a later time, if necessary but simple should have them. Due to my finically hardship I went hungry, not just me my cat who is my therapeutic aid. And I had to take out a loan from a friend to paympay off my rent and electric.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3251883", "source": "cfpb", "group_id": "cfpb/f3d759e2d2cd75bc9fec", "variant": "clean", "length_bucket": "medium", "chars": 1968, "company": "BBVA FINANCIAL CORPORATION", "date_received": "2019-05-23", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "f3d759e2d2cd75bc9fec711a2b46696b55f2590d31644f9842fcfc65c28ab52c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "While reaching out to JP Morgan Chase regarding fraudulent activity on my account, caused by a XXXX glitch, the physical credit card was cancelled with the intention of sending me a new card. I have been a happy customer of Chase for over 10 years prior to this situation.\n\nOn XX/XX/2018 at approximately XXXX EST, before a new card was received, I was called by the JP Morgan Chase Collections department to discuss a 'Hardship ' arrangement to pay off the outstanding balance on the account. I spoke with the representative regarding the program and its benefits/pitfalls. During her disclosures I specifically asked, \" Will this program 'Suspend ' my account ( meaning I would be able to use the account once it was in good standings ) or 'Close ' my account ( meaning I would have to re-apply for a credit card once my credit score was acceptable ). '' The representative quoted 'Suspend ' and in doing so I agreed to the terms of the 'Hardship ' arrangement.\n\nIn an attempt to purchase my first home I went to get pre-approved for a mortgage loan only to find out my credit score was so low that I couldn't be approved even with a co-signer. I requested more information and was told that my credit score no longer showed a 'JP Morgan Chase Credit Card XXXX ' With the hopes of getting more information, I reached out to Chase directly.\n\nInitially Chase could not pull up my account because the card number I was using for verification had been cancelled and they had no record of the account ( Chase updated my account to show a card number I had yet to receive ). Once I verified my identity I was informed that : 1 ) It is company policy to 'Close ' the account when a customer enters into a 'Hardship ' arrangement EVEN IF a representative falsely claimed the account would be 'Suspended ' 2 ) There was no recourse to my account getting closed without my informed consent.\n\n3 ) Chase does not provide copies of audio recordings or transcripts, they are for 'quality assurance purposes only ' and are 'Chase property, ' despite the fact that customers have to agree to be recorded to begin with.\n\n4 ) Chase does not mail out contract agreement information, documents regarding the 'Hardship ' arrangement, or 'Right of first refusal ' forms.\n\nIn the last two weeks I have been repeatedly turned down when requesting an audio recording or text transcript of the conversation where I was offered the 'Hardship ' arrangement.\n\nDue to a lack of recourse I requested the 'Legal ' department or an address/name of someone I could send a formal request to. I ended up going through several departments with very little success until another Chase supervising rep ( ID : XXXX ) gave me the 'National Subpoena Processing ' address to request the audio recording.\n\nImportant Information : Date of Offer : XX/XX/2018 Time of offer : Approx. XXXX EST Rep. ID # : XXXX National Subpoena Processing Mail Stop : XXXX XXXX XXXX XXXX XXXX .\nXXXX IN, XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "closing_the_account", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/2925675", "source": "cfpb", "group_id": "cfpb/a2ecab5fb459fb064907", "variant": "clean", "length_bucket": "medium", "chars": 2950, "company": "JPMORGAN CHASE & CO.", "date_received": "2018-06-04", "product_raw": "Credit card or prepaid card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "a2ecab5fb459fb064907bb8ec046334f43d5da07b9d48dd9ac5e7fc6bed2c2cc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After numerous complaints to and requests for information through the Consumer Financial Protection Bureau regarding fraudulent transactions processed at a Branch Banking & Trust ( BB & T ), I have obtained documents demonstrating that BB & T opened at least one fraudulent joint account in my name without my authorization, knowledge, physical presence, or valid identification.\n\nOn XX/XX/XXXX, BB & T opened a joint account ending in XXXX in my name at its XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX location. I was not physically present for this as I was serving as a XXXX XXXX XXXX in rural XXXX and BB & T transactions from my personal checking account ending in XXXX confirm that I made a withdrawal in XXXX, XXXX on XX/XX/XXXX. I did not know of or authorize the opening of the joint account ending in XXXX. The account signature card dates my forged signature as XX/XX/XXXX. I was, again, serving abroad and did not sign this document at any time. Furthermore, as I learned over the phone from BB & T 's Identity Theft unit, BB & T accepted a voided and therefore invalidated Colorado drivers license as proof of my identity. I would like to note that this license literally has holes punched through it spelling \" VOID '' and that I had maintained a Virginia drivers license for years prior to XX/XX/XXXX.\n\nThis is in direct violation of FDIC Law, Regulations, Related Acts mandates in Miscellaneous Statutes and Regulations Part 1020 that banks must have a Consumer Identification Program ( CIP ) that contains procedures for verifying the identity of the customer, using information obtained in accordance with paragraph ( a ) ( 2 ) ( i ) of this section, within a reasonable time after the account is opened. Appropriate documents from an individual may include an unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport. As outlined above, BB & T accepted no such document. When a person other than an individual ( such as a corporation, partnership, or trust ) opens an account, the FDIC requires documents showing the existence of the entity, such as certified articles of incorporation, a government-issued business license, a partnership agreement, or trust instrument. At no time did I consent to or issue a trust instrument to another individual.\n\nThe FDIC allots for verification through non-documentary methods and the bank 's non-documentary procedures must address situations where an individual is unable to present an unexpired government-issued identification document that bears a photograph or similar safeguard ; the bank is not familiar with the documents presented ; the account is opened without obtaining documents ; the customer opens the account without appearing in person at the bank ; and where the bank is otherwise presented with circumstances that increase the risk that the bank will be unable to verify the true identity of a customer through documents. I have not been provided with any evidence that BB & T pursued non-documentary verification as it maintained an invalidated drivers license as proof of my identity in relation to the joint account.\n\nThis fraudulently-opened joint account ending in XXXX was used to deposit a check in my name on XX/XX/XXXX. This check, numbered XXXX, was in the amount of {$20000.00}. BB & T records confirm that I received a total of {$4000.00} from check number XXXX through a phone transfer from account ending in XXXX to account ending in XXXX on XX/XX/XXXX. I was not aware that these funds were from a fraudulent joint account nor that they were from a check reissued under false pretenses in the amount of {$20000.00}.\n\nThe joint account ending in XXXX was closed on XX/XX/XXXX without my awareness of its existence while I remained in XXXX. A closing balance of {$10000.00} was issued to the individual who closed the account. I did not receive this money.\n\nI am demanding an explanation as to how the account ending in XXXX was opened, acknowledgement of fraud, and swift reimbursement of check number XXXX. Additionally, I am demanding to know how many other accounts ( aside from those ending in XXXX and XXXX ) were opened in my name at BB & T and all correlating records. I would not be making these demands if BB & T had adhered to FDIC regulations and believe that the bank should be held accountable to the full extent of the law.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "opening", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/3007054", "source": "cfpb", "group_id": "cfpb/426b1dde1d80005ab3d6", "variant": "clean", "length_bucket": "long", "chars": 4445, "company": "BB&T CORPORATION", "date_received": "2018-08-31", "product_raw": "Checking or savings account", "issue_raw": "Opening an account", "sub_issue_raw": "Account opened as a result of fraud", "text_sha256": "426b1dde1d80005ab3d6c4d652389995da51cd6739e0ed7f4d31dd49795c0d85", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XX/XX/2021 : I didn't request this inquiry. I called to XXXX XXXX Customer Service and their representative told me he didn't know who to transfer my call.\n\nXXXX : I didn't request this inquiry. I already reported this inquiry as a fraud to XXXX, but it still appears on my Trans Union report.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "improper_use", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/4608236", "source": "cfpb", "group_id": "cfpb/b9318222801a6e0ef7cb", "variant": "clean", "length_bucket": "short", "chars": 300, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2021-08-06", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "b9318222801a6e0ef7cbccb50a32be996331a9a961bc6768b4f4e09b46c2a068", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been trying to get in contact with Binance about the Binance.US exchange for 5 months now and I've lost over {$5000.00} because of them ignoring me. I have not been able to withdraw, exchange, purchase, send, or deposit anything. It's been 5 months with more than 9 attempts to contact them using their support service and I still have not received any response aside from an automatic confirmation that they received my complaint. The first time I contacted them about the issue I got an automatic reply giving me general answers on XX/XX/2021. They know I keep asking for help because now I'm getting messages saying my ticket was merged. It is XX/XX/XXXX now and still no response. My first request was XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX. All this and not a single response aside from auto replies. At this point all I want is to get all of my assets and my money out of Binance then I will delete that account and I will never use them again. I will also recommend that no other Americans ever use this exchange.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4436659", "source": "cfpb", "group_id": "cfpb/03afe652658ff1acfc35", "variant": "clean", "length_bucket": "short", "chars": 1131, "company": "BAM Management US Holdings Inc.", "date_received": "2021-06-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "03afe652658ff1acfc3575be8519f83011449cff5b4872d525f04f3c54c2b793", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear XXXX XXXX XXXX Account # XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.\nPlease supply me with a copy of any contract or agreement signed with your company or the original creditor.\nIn accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor.\nXXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.\nXXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.\nXXXX. Proof that the original creditor securitized the debt.\nXXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.\nPlease cease and desist from collecting on this debt until you have provided validation of the debt.\nAdditionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.\nPermissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.\nNotification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10199474", "source": "cfpb", "group_id": "cfpb/90de3339a2c8c54674fb", "variant": "clean", "length_bucket": "medium", "chars": 1677, "company": "Experian Information Solutions Inc.", "date_received": "2024-09-21", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "90de3339a2c8c54674fbe1d7d4fb189daac7e254d5268f6d2000c248b7ed4e7e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My Name is XXXX XXXX and I live in NJ. I sent resident of Florida {$500.00} via XXXX XXXX XXXX XXXX XXXXXXXX XXXX to his Wells Fargo account on XX/XX/year> with sucess. The next day I wired {$11000.00} to his account at Wells Fargo via a regular bank wire. He gave me his \" old Account '' number so my bank recalled my money and have beeen holding it for 28 days!!\n\nMy bank has explained that Wells Fargo has the money and is holding it. Wells Fargo refuses to talk to me because I am not an account holder. The gentleman who has the account has contacted Wells Fargo several times and says the money is on \" a hold ''. I would like to file a complaint at this time- They are holding my money without my permission. {$11000.00}. I have also filed a complaint form with the FTC. please help - my cell number is XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10449907", "source": "cfpb", "group_id": "cfpb/46fb033f135fa16dd62b", "variant": "clean", "length_bucket": "short", "chars": 815, "company": "WELLS FARGO & COMPANY", "date_received": "2024-10-14", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "46fb033f135fa16dd62b032e3396d49ad645676ad33036a1e903eb1467b5adab", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi, Thank you for your time helping us with this.\n\nIn XXXX of XXXX my husband and I noticed XXXX charges on my debit card for XXXX and XXXX that we did not make.\n\nXX/XX/XXXX - XXXX {$260.00} XX/XX/XXXX - XXXX XXXX {$400.00} Upon contacting Bank of America regarding the purchases they cancelled the card, issued another, and began a fraud investigation. Shortly thereafter, they credited our account for both the amounts totaling {$670.00}. We did not hear back from them until the beginning of XX/XX/XXXX when they sent us a letter saying that the fraud claim had been resolved and no error had occurred ( See attached BofA_Fraud_Resolution_Letter ). They subsequently withdrew the amounts back out of our bank account. ( Note the wording \" error '' of the letter. Fraud is not an error. ) I contacted Bank of America regarding this issue to find out why the case had been reversed and they told me that one charge was confirmed as fraudulent XXXX XXXX XXXX. Then they proceeded to tell me that both were then denied because we physically shopped at both XXXX and XXXX XXXX before, because there were a number of days in between the charges and us noticing them, because we had logged into our account around the same time, and because no attempt was made to drain the account. Frustrated, I began questioning them on their investigation practices and learned that they use a third party \" back office investigators '' and could not tell me what steps were taken during the investigation. They also told me that the federal government didn't allow them to investigate further so they \" had to deny '' the claim.\n\nAfter speaking with a representative at the Consumer Financial Protection Bureau, I began a little bit of research on my own in order to provide as much information as I could for this report. Upon contacting XXXX XXXX I found that only the XXXX purchases that I made in the summer of XXXX in person in XXXX XXXX, AZ showed under my account name. Thus confirming my card was used for a purchase which happened under another account name.\n\nBringing this to BofA 's attention they suggested I submit a faxed letter stating the findings and requesting that the case be reopened. ( See attached BofAFraudLetter XXXX. I did so and on XX/XX/XXXX called and confirmed that the case had been reopened.\n\nNot having seen nor heard anything since, I obtained my old card number from the bank and once again contacted both XXXX and XXXX XXXX regarding the charges.\nThe woman at XXXX XXXX said she had just had the same experience and suggested I contact the Atty General in this matter. She was able to confirm for me that the account holders name, address, and phone number were not mine because they did not match the billing information that I gave her. She was able to tell me that the purchase was of a XXXX amp circular saw work bench.\n\nNext, I contacted XXXX and went through the same process with the gentleman there. I was able to learn that the purchase was for a XXXX 60 volt maximum lithium ion battery. I was also able to deduce that the account holders name, address, and phone number were not the same as mine, yet again. Then I learned that the last name of the purchaser was XXXX of which, I know none.\n\nFinally, I contacted BofA again today only to find that the case had been once again closed for the same reasons as before. The investigators failing to do their due diligence or choosing to not pursue the case further, instead allowing Bank of America to steal the money from me rather than the responsible parties.\n\nI learned that XXXX XXXX and XXXX both would pay the amounts to Bank of America if the case was proven then would have to pursue a suit against the perpetrators to recover their losses. Also, the personal information of the perpetrator is not available to the victim by law, however, it is available to the investigators and Bank of America.\n\nI respectfully request this issue be investigated in order to right the wrong that has happened and return our money that we did not spend.\n\nAgain, thank you for your time in this matter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2852793", "source": "cfpb", "group_id": "cfpb/eb029d6763266e501a3b", "variant": "clean", "length_bucket": "long", "chars": 4082, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2018-03-24", "product_raw": "Checking or savings account", "issue_raw": "Problem with a lender or other company charging your account", "sub_issue_raw": "Transaction was not authorized", "text_sha256": "eb029d6763266e501a3bf20f41f662d5b8e7d4189dfde130f7f8529d8a9cbed2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "ARS account resolution has 3 separate collections on my credit report for a company, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I did not recognize this company so I looked them up on the internet and found that it is a large group of doctors with different specialties.\nI found that I could request a letter of validation from ARS, the collection agency, which I hoped would clear this up for me. What I received from ARS was a letter stating exactly what was on my credit report-the name of the company, the amount they said I owed and the date listed on my credit file. For me to know if these are legitimate charges, l needed to know the\nspecific information-like the name of the doctor that they were billing me for, the actual date of service that I received treatment, where I received treatment and for what. I understand some medical information is proprietary but if they are billing me, I should have the right to know.\nI filed a complaint with the credit bureaus because I can not get additional information to verify I owe these 3 bills. The credit bureau say they can not be removed because of information they received from ARS. But what information are the receiving? The dates opened is all I have-XXXX, XX/XX/XXXX and XX/XX/XXXX. During that time, I did not have medical insurance and the only place I could think of that I wouldve gone for medical treatment is XXXX XXXX, now XXXX XXXX.\nBut when I went there for treatment in the XXXX, I qualified for their Charity Program. I contacted XXXX XXXX financial assistance department and found that when they approved me for the Charity program, I owed the hospital, the treating doctors, any labs or department any money related to each visit.\nI asked the representative XXXX XXXX, if she had ever heard of XXXX XXXX XXXX XXXX XXXX XXXX and she advised me that they were the billing company for the XXXX doctors. I explained the situation and she said that if I was being billed by them for my visits to the XXXX l should not be because l qualified for the Charity Program for 3 visits close to those dates. She sent me copies of the approval letters and told me if it was the doctors from XXXX I needed to send them a copy of the approvals so they could reverse the charges.\nThere were so many numbers for this company and the dates were close but because ARS refused to give me specific information, I didnt know what to do. So, I do what I often do, I just got frustrated and stopped. I have mental health issues and I have a hard time following through when I feel too overwhelmed. The XXXX and XXXX causes me to shut down.\nI just filed another complaint with XXXX through XXXX XXXX and was denied again.\nI am afraid that sending the approval letters will cause me more issues than l can deal with right now. Ive read about the horrible things that collection agencies do. I called ARS and asked for specific information and I was rudely directed to their website to look up the 3 collections, the lady was not very nice and eventually hung up on me. Their website says nothing more than the credit report.\nI started looking at my credit reports that I have printed and noticed that the first time I saw ARS on my report was XX/XX/XXXX along with a multitude of other collection agencies collecting for XXXX XXXX in varying amounts. The next report I had a copy of was XX/XX/XXXX and there were now 2 ARS collections listed but some of the other collections were just gone. The last one I copied was XX/XX/XXXX and thats when I saw 3 ARS COLLECTIONS but the others were all gone.\nSo at this point, I have no idea if ARS was collecting for 3 visits to the XXXX or if ARS had somehow taken over the other collections that were smaller and now changed dates for them to drop off my report.\nI dont know what to do. I dont know if these are my bills because I can not get ARS to give me specifics. I dont know if they bought other collections and combined them and dates have been changed. I need help from someone because I dont know how to get the credit bureau to understand and ARS is not helping. But I do have the letters from XXXX XXXX letting me know I was approved for their charity program 3 times. Please help me.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6896917", "source": "cfpb", "group_id": "cfpb/e635f37879059a7c02de", "variant": "clean", "length_bucket": "long", "chars": 4193, "company": "HCFS Healthcare Financial Services of TeamHealth", "date_received": "2023-04-27", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "e635f37879059a7c02de4035f8ce385b3a23d0d5ba5729c27e0311cb294415a2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically \" stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1793445", "source": "cfpb", "group_id": "cfpb/5a6d1fd0c4dc90dccecc", "variant": "clean", "length_bucket": "medium", "chars": 1269, "company": "Persolve, LLC - Legal - Series 2", "date_received": "2016-02-18", "product_raw": "Credit card", "issue_raw": "Delinquent account", "sub_issue_raw": "", "text_sha256": "5a6d1fd0c4dc90dcceccf1b4772d7c15a3d5e036f4d1639eb9e41a5f7bdd0e88", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On or about XX/XX/XXXX, my phone with XXXX service was lost/stolen. I called XXXX to alert them of this fact and cancelled my service. The representative acknowledged that my service was cancelled. There was no contract.\nMy credit card was charged ( {$85.00} ) for service from XX/XX/XXXX - XX/XX/XXXX. There was no charge to my credit card for the period XX/XX/XXXX-XX/XX/XXXX. Then, my credit card was again charged ( {$85.00} ) for the period XX/XX/XXXX-XX/XX/XXXX I had not resumed any service with XXXX for these time periods.\nI went to the XXXX Ohio XXXX store to straighten out these billing errors. The store manager at that time was XXXX and he and another employee XXXX, called the billing dept to straighten out this issue. They talked to a representative for about one-half hour and told me that possibly they had been able to resolve this issue but were not certain.\nSo, I contacted my credit card and told them I was disputing the XX/XX/XXXX and XX/XX/XXXX charges. Subsequently, my credit card company sent me a notice stating \" ... the credit card dispute with XXXX has been resolved. The credit we issued to you ... will remain on your account. '' Thus, the erroneous charges were credited out of my account and XXXX at that time acknowledged that no charge should have been made.\nBeginning on XX/XX/XXXX, I have received four or five debt collection letters from XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) and Receivables Preferred Management ( 10/08/16 ). In each instance I have sent the above information to each within the time period required. But the only result I have had is that this non-debt is sent to another company or affiliate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/2273191", "source": "cfpb", "group_id": "cfpb/0abfb6b90fa79ca34290", "variant": "clean", "length_bucket": "medium", "chars": 1699, "company": "Receivables Performance Management, LLC", "date_received": "2017-01-03", "product_raw": "Debt collection", "issue_raw": "Cont'd attempts collect debt not owed", "sub_issue_raw": "Debt is not mine", "text_sha256": "0abfb6b90fa79ca342907dd8210544ace03e34a3f14f0e02727df2a0486623a5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking \" knows or consciously avoids knowing the information is inaccurate '' and inserting \" knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.\n1. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/4947188", "source": "cfpb", "group_id": "cfpb/295154de17b12cfac71d", "variant": "clean", "length_bucket": "long", "chars": 5788, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2021-11-25", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "295154de17b12cfac71d596dd8a219b7b30642635c048393cd749883f83210a1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Regarding the reference account and transaction this vehicle was purchased at a XXXX dealership. I have recently come across information from the Federal trade commission website more specifically the XXXXXXXX XXXX XXXXXXXX act.\nThe FTC is a government website I take all my information from the source. It's important that you know where you're getting information from why is that important? Because the source is important for credibility. The information that I'm giving you I can cite any of the source and you can go and look up the information yourself that is the power of citing your sources.\n\n15 USD 6802 obligations with respect to disclosures of personal information notice and what requirements so accept as otherwise provided in the subtractor a financial institution may not directly or through any affiliate disclose to a non-affiliated third party.\nBefore your information is disclosed or is given to another affiliated third party things that must be done so the first thing you need to do when you're opting out of having your information reported is the company should have provided your disclosures. In general a financial institution may not disclose non-public personal information to a non-affiliated third party unless they do these three things : If that financial institution have not done these three things they can not disclose your information to no affiliated third party. There are Three disclosures that must be mentioned and or presented before they can share my information. I must receive three disclosures before they report my information they have to give me three disclosures.\n\nDisclosure 1 such financial institution clearly and conspicuously right disclose to the consumer in writing or in electronic form or other form permitted by the regulations prescribed on the section 6804 of this title that such information may be disclosed to such third party.\n\nSo in modern day a large majority of companies aren't mentioning disclosures to their customers and are breaking the law. At no point was I informed and disclosed that my information would be shared to a third party.\n\nThe second thing is the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party.\n\nI repeat The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. So to clarify they're saying The consumer must be given the opportunity before they report the information that such information is going to be reported and they disclose it to you that you the consumer have the right to know That's basically what they're saying so the consumer is giving the opportunity you are getting the opportunity to say yes or no I want information reported or I don't want it reported before they put it on there that's what it says before the time that's such information is disclosed to the non affiliated third party to direct that to direct means you're going to tell them Yes I wanted it reported or no I don't want it that such information not be disclosed to such third party. At no point does a company inform the consumer that before they disclose it they said hey in 30 days we're going to report your information you right now have an opportunity to say if you want that information reported.\n\nThe consumer is given an explanation of how the consumer can exercise the non-disclosure option I didn't say they were supposed to give you one, I didn't say they were supposed to give you two, I said they're supposed to give you three disclosures before your information gets reported who on this live has ever received all three disclosures.\n\nXXXX dealership did not disclose this information to me that is required by law that is true. XXXX dealership knowingly and willfully withheld pertinent information regarding the disclosure of my information to an two affiliated and non-affiliated third party. XXXX auto dealership knowingly and willfully withheld information that explained how I the consumer can exercise that non-disclosure option.\nYou are in violation of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer report that this information is on should you decide to discriminate against me. Iam aware that discrimination can occur when a person exercises their consumer laws some companies or financial companies they will stop doing business with you like if you have accounts with them they'll shut the accounts down.\nThe equal credit opportunity act : equal credit opportunity act you can not be discriminated against if you exercise your consumer right. If you in good faith exercise any of your consumer rights and you find that after you exercise these rights your credit card got shut down your bank account got frozen you can not apply to get a car anymore even though you're qualified.\n\n15 USC 1691 A3 right activities constitute in discrimination it says this it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction number one on the basis of raise color religion national religion XXXX material status age provided at the applicant as the capacity to contract number two says because all are part of the applicants income derived from any public assistance program. Lastly number three says they can not discriminate against you because the applicant in good faith exercise any right under this chapter chapter 41. Chapter 41 covers the FDCPA the truth and lending the FCRA and in short demanding the deletion of this account.\n\nI've a copy of my credit report and realize that my consumer report has things that should not be there. I demand the below account be deleted from my consumer report immediately. ( VIN number ) ( XXXX XXXX XXXX ) These accounts are if it's one or if it's more than one is of violation of 15 USC 1681 and the fair credit report a to b. The Exclusion section says this right except as provided in paragraph three the term consumer report does not include keyword is \" does not include '' mean it's not a part of it when we go to the definition of what a consumer report is it's going to give us the definition of what a consumer report is so going off of that definition right now we can say that certain things don't apply or certain things don't belong on your consumer so let me explain under truth in lending 15 USC 1602L credit card is defined as the following the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit so for those of you who don't know your driver 's license is a credit card for those of you who don't know your social security card is a credit card based on truth in lending definition because it is a card that is used to get money, labor, or services on credit so by definition your social and your IDs are both credit cards now what the law says is any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or some advice so now you know that your social is a credit card you know that your driver 's license is a credit card so these two definitions fit the exclusion under 15 USC 1681 it fits the category of an authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card so that's what that is the auto loan that you got it is a approval or an authorization of a specific extension of credit that you use your credit card I.E your social or your driver 's license and are both. So now that you're aware of what the credit card is and what this law is saying is that we're not saying the term credit card means any card it never specified and say what type of card it didn't say a XXXX card it didn't say a XXXX card it says any card that's what it said it said any card right so now that we noticed the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money property labor or services on credit.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10262627", "source": "cfpb", "group_id": "cfpb/529be3d9bd385f5575cc", "variant": "clean", "length_bucket": "long", "chars": 8299, "company": "American Credit Acceptance, LLC", "date_received": "2024-09-26", "product_raw": "Vehicle loan or lease", "issue_raw": "Repossession", "sub_issue_raw": "Loan balance remaining after the vehicle is repossessed and sold", "text_sha256": "529be3d9bd385f5575ccca44c7efc8f04adf0f9e9c8acc219bad70b1ff009664", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have 3 collections that were opened Fraudulently.\n\nXXXX. PROCOLLECT , INC for {$680.00} Original creditor is XXXX XXXX, account was opened XX/XX/XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX. PROCOLLECT , INC for {$440.00} Original Creditor is XXXX XXXX, account was opened XX/XX/XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX. XXXX XXXX for {$500.00}, account was opened on XX/XX/XXXX Account number : XXXX Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/6827494", "source": "cfpb", "group_id": "cfpb/b00d647b4d24fe7fb422", "variant": "clean", "length_bucket": "short", "chars": 530, "company": "ProCollect, Inc.", "date_received": "2023-04-11", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "b00d647b4d24fe7fb42237b86af5c78e4a9d6bca93ce1c625a7c7b3c7abc18e2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I applied for a Bank of America checking account back in XX/XX/XXXX. They stated they could not open a bank account for me based off of credit information. In XX/XX/XXXX, I had a check from a settlement for a personal injury that had happened and I was told I couldn't cash it at XXXX and I had to take it to the bank. So XX/XX/XXXX I went to Bank of America to cash the check and they told me I couldn't cash it that I needed to deposit it, so I did. It was for {$29000.00}, so I split half to the checking half in savings. Because I had earlier received a small PUA backpayment I was still living fine off of that and I just was going to wait until I needed the BOA money to use it. I went to the atm the same day to try to make sure the money was in it through the atm with the virtual card. It was so i left. So, from XX/XX/XXXX until XX/XX/XXXX, i then called XXXX because I waited for my card in the mail and because the person I live with went to jail, and there was a no contact order in place, i couldn't go and get the mailbox key from him/jail. So I contacted Bank of America and explained my situation, and asked if instead of having a debit card sent to my home, considering the circumstances, if I could come in and pick XXXX up she stated no and stated she would be sending out a different debit card. So by then I'd say it was around XXXX XXXX or so that I finally received the debit card by waiting outside and ahowing the deliverywoman my ID and asked if i could please have the mail and at that moment she did, .and I was excited. I activated it and left it on my dresser drawer in my bedroom. It was going good until a woman asked me to run her to XXXX for gas money and I figured okay and I did. But then when she got of of my vehicle I noticed my little pocket book and phone were missing. And because she was in a motel I wasn't sure what room she was in because she got out of the car so quick and I just drove Away. I XXXX have dropped her off and noticed about XXXX mins after that my things were missing. I hadn't realized she asked me to use the phone, and i let her. I panicked and was furious at the same time because she had taken the phone and my money and because when I went home I realized I had no card, to call in order to get the statements and ask them to freeze the card. So I had to wait until I was around a phone to call and tell them what happened and to put a freeze on the account. I contacted the bank and explained the issue and that there was no way any one can go through {$29000.00} in a matter of a month. So then I looked more into my statements around XXXX XXXX and I noticed alot of \" back to back '' charges that I was concerned about so I went to the Acutral B.O.A location and explained to the woman, XXXX, the situation and she decided to close the account, and open a new one. Because it showed {$3800.00} overdrafted I had no choice but to open the second account, so if I had deposits they would go to the new one. There were a few temporary credits added back to the old account, expect becaue it was overdrafted, i had to fix the balance on the account first and if any money left would go to the new account. I filed the first claim for {$8400.00}, and XXXX asked about a few more transactions that looked to be unauthorized in which they were. It was around {$3400.00}. So she opened that new account told me to wait until I received my new card in mail and someone will be in contact with me reguarding the issues because she, herself could not do anything besides have it looked into. So a few days went by and I went back in to BOA to see what was going on, and I did this for about a month. I still to this day was railroaded and told different things by different employers because if I called BOA employees were almost lost to what I was stating and I still haven't had any luck to this day. The only excuse they gave me was, that the transactions were authorized by me or by someone I know. And I explained why that was incorrect and the banker, XXXX XXXX never returned any of my calls and just sent a packet of statements to my house. I, still to this day, have tried calling and figuring.it out but there was a point that when I did call, it goes straight to her business voice-mail.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/9057569", "source": "cfpb", "group_id": "cfpb/919b550bd43b4af7a93e", "variant": "clean", "length_bucket": "long", "chars": 4259, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-05-20", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "919b550bd43b4af7a93e68b0da39a546594b4cc830d353fcdc67d49e267aa83e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my \" poor '' credit, I was told that they would definitely get me into a better car with better terms.\n\nOn XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal.\n\nAs I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was \" upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, \" what am I supposed to do with two cars? \". The salesperson said that I need to find a way to get rid of it.\n\nThis situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan.\n\nThis loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "vehicle_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing the loan or lease", "end_of_loan": "Problems at the end of the loan or lease", "struggling_to_pay": "Struggling to pay your loan", "getting_a_loan": "Getting a loan or lease", "repossession": "Repossession"}, "label": "getting_a_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3360386", "source": "cfpb", "group_id": "cfpb/de3c186ea24aafe1a4fe", "variant": "clean", "length_bucket": "medium", "chars": 2057, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2019-09-02", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Changes in terms mid-deal or after closing", "text_sha256": "de3c186ea24aafe1a4fe88fd1bf194c02d3e177c5855ff5260ce6b2f890559b3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX XX/XX/2020 I attempted to make my normal monthly mortgage payment through the lender web portal with XXXX XXXX XXXX Southwest Stage Funding , LLC. The payment came back \" denied by bank. \". I called my bank and explained the problem but they assured me the problem wasn't on their end and there didn't seem to be any issues with my account. I called the lender back and explained this however they said they could not fix it since now my account had a block on it due to attempting to make repeated payments. They also said that they were showing invalid account number on their end which is bull because I had just spoken with my bank prior to calling them to make sure I was inputting the correct ACH info ... which was saved anyhow under my XXXX XXXX profile and had been for over six months. They then said that they would have to mail me a form to fill out to unblock my account and that I would need to mail them a check or other form of payment since they don't accept debit cards. I was pretty angry but did as instructed. I had a cashier 's check for {$930.00} drawn up at my credit union and then sent it certified mail to the address Southwest Stage Funding gave me. This was done at XXXX on XXXX XX/XX/2020. It also cost me {$28.00} to send it two day Certified Mail. I called them as soon as I got home to request that they call me as soon as they receive and process it. It is now XXXX XX/XX/2020 and as of this afternoon, they are saying they still don't have it. The only reason I think that they are screwing with me is because I have an open refinance loan with a different lender at a much lower interest rate and monthly payment. I think they are giving me the run around on purpose. Something needs to be done ASAP. My payment has never been late and the same account info that is saved on their web portal is the same account info I have been paying with for the last six months without issue, on time. My payment will officially be late as of XXXX XX/XX/2020 and will incur a large late fee and a potential credit score hit all for something that isn't my fault.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "payment_process", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3524420", "source": "cfpb", "group_id": "cfpb/ebd15ba1a463a8958583", "variant": "clean", "length_bucket": "medium", "chars": 2095, "company": "Southwest Stage Funding", "date_received": "2020-02-07", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "ebd15ba1a463a89585833919ad55e8843aee6eba51de1b76cef184c96eeabb3d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have an FHA mortgage with Freedom Mortgage Corporation that was temporarily on a Covid-19 forbearance. XX/XX/2021, I called Freedom Mortgage and indicated that I wanted to remove the loan from forbearance and resume payments via an owner occupied modification. Additionally, in XX/XX/2021, I resumed my regular monthly mortgage payments and of note, I have been making my regular monthly mortgage payments, every single month since XX/XX/2021. During this XXXX call, to end my forbearance, I was told that I would receive a loan modification packet within 30 days from underwriting with new terms of my mortgage and my signature would be required to accept this offer. Unfortunately, 4 months later, I never received this packet, and my mortgage is still in forbearance and no one at Freedom Mortgage has been able to help me move my mortgage into a current status after 4 months of waiting for loan modification documents. I call weekly and I do not get any clear information and it quite frustrating and concerning to me. There so many disparities in the knowledge levels in the customer service reps and Freedom has these escalation supervisor and their ability to triage and follow-up on escalated issues is sub-par. My property is held in a land trust and I have sent in the required Land Trust Review and a certified copy of my trust agreement to show that I am the only vested owner on my deed. Can your organization please intervene, regulate, or help enforce a level of fairness and diligence in business operations and efficiencies at Freedom with this situation? This forbearance being reported on my credit report 4 months later after I indicated I am able to pay my mortgage is totally unethical and just irresponsible and there is no one accountable within the entire company to even help me. Overall, Freedom Mortgage has been a very difficult company to work with in general. I can not recommend this company at all.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4449583", "source": "cfpb", "group_id": "cfpb/1587ebf8b00fc21c397a", "variant": "clean", "length_bucket": "medium", "chars": 1934, "company": "Freedom Mortgage Company", "date_received": "2021-06-10", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "1587ebf8b00fc21c397af838b992db58a281e95fe13fc12b3c7c298cfea74bea", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Detailed Summary : This writer ( XXXX ) settled a debt with XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of {$130.00}. The full debt price was documented as {$210.00}, however upon speaking with a representative from their company via phone XXXX was told by the representative that the debt could be settled and considered PAID IN FULL if the agreed upon amount of {$130.00} was paid. XXXX agreed to the settlement amount of {$130.00}. XXXX received documentation from XXXX XXXX XXXX dated XX/XX/XXXX stating the account was paid in full.\n\nXXXX received a letter from XXXX XXXX XXXX XXXX ( RPM ) dated XX/XX/XXXX regarding owing the debt amount of {$210.00} to XXXX. This writer contacted XXXX and explained to the representative that XXXX had previously paid the debt to another company and settled for the amount of {$130.00}. As advised by the representative XXXX sent proof of payment ( redacted bank statement as advised by the representative on the phone ) via email to XXXX and was told this writer would hear back from XXXX within 30 days. XXXX did not hear back from any representative of the company at all.\nXXXX received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX stating that \" in the last quarter, XXXX received the following payment of {$130.00} on XX/XX/XXXX. All payments received this quarter have been applied to the account placed with XXXX ; however, this account is now closed in our office. '' XXXX received another letter from XXXX stating there was still an outstanding of {$210.00} on the XXXX account. XXXX reached out to XXXX and spoke to a representative. The representative named XXXX stated to this writer to fax the documentation of proof of payment to the number she provided and call back the following Monday to ensure she received it. XXXX complied, faxed the information the very next morning and waited until Monday morning to call back. Upon calling the given number back this writer was not connected with XXXX and was told my the representative on the phone that it would take up to 30 days for XXXX to sort and review the faxed information sent.\n\nXXXX again received a letter from XXXX XXXX XXXX XXXX ( RPM ) dated XX/XX/XXXX stating that XXXX was willing to accept 40 % ( {$84.00} ) of the total due ( {$210.00} ) to satisfy the outstanding balance. XXXX again contacted the company and spoke with a representative and then to a Supervisor regarding the paid debt and that proof of payment was emailed a couple of months prior. The supervisor stated that the information sent was not valid proof and that additional information ( receipts ) needed to be sent in as proof. The supervisor also stated that someone from XXXX would be reaching out within 30 days upon receiving new information that was sent in. XXXX again complied and sent the additional documentation to the email address XXXX provided. As of XX/XX/XXXX XXXX has yet to have heard back from XXXX.\n\nXXXX recently received another letter from another letter from a new company called Diversified Adjustment Service Inc. ( DAS ) dated XX/XX/XXXX that stated \" your account has been placed with us for collection in the amount f {$210.00}. XXXX then scanned and emailed all of the previous letters and correspondence from the other companies attempting to collect the debt along with proof of payment and emailed it to Diversified Adjustment Service Inc. Upon sending the email XXXX contact DAS via phone and spoke to a representative. He stated that the information has not been processed yet and to call back by Friday to check if it was in DAS ' system. XXXX stated that a call would be made on Friday to check into the situation.\n\nResolution : XXXX would like all of the agencies attempting to collect this debt to seize all forms of contact/ communication ( phone, email, letter, socials media and any other form of communication that may apply ) and would like the debt absolved and removed from collection, personal credit report ( if applicable ), presented and closed as a paid in full account.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3627248", "source": "cfpb", "group_id": "cfpb/06a3f436200e4b38e1e8", "variant": "clean", "length_bucket": "long", "chars": 4036, "company": "Diversified Adjustment Service, Inc.", "date_received": "2020-04-28", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "06a3f436200e4b38e1e894290b77fd8398fda5385f6c99c1a25baaf22c69ec9b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am fortunate to work for a company that has agreed to assist with my student loan payments. For them to do so, I am required to submit a copy of a current billing statement. One might imagine that this would be a simple request for Aidvantage to fulfill ; but the past month or so that I've spent trying to contact them to secure this document seems to suggest otherwise ( and also seems to reflect a larger, more concerning trend of incompetence and complete lack of ability to effectively service their \" customers '' ). The following paragraphs contain a brief rundown of events : On XX/XX/XXXX I received email correspondence from the U.S. Department of Education with information about preparing for the continuation of student loan payments. In this email, I was advised that I could expect to receive a current billing statement from Aidvantage at least 21 days before my payment is due ( XX/XX/XXXX ). Upon receipt of this message, I registered an account online with Aidvantage, and took care to ensure that all of my personal information was correct and up to date to ensure that there would be no issue in receiving further communication from the lender.\n\nOn XX/XX/XXXX, I received an email from Aidvantage which indicated that they were to have started sending out billing statements on XX/XX/XXXX. I had not gotten anything in the mail by that point, so I waited for a few days to accommodate mail delivery service times. A week later, on XX/XX/XXXX, I still had not received any correspondence, so I attempted to call Aidvantage customer service during regular business hours in hopes of getting some kind of update. I sat on hold for over an hour before needing to get on with my day, so no contact was made.\n\nLater that day, I logged back on to my account to see whether any of this information was available for me to access electronically. It was not. I did, however, notice that Aidvantage advertised a Live Chat feature built into their website, which presumably would connect me to someone who may be able to assist with my request. But when I tried to use this feature, I was met with an error message which prevented me from making any kind of contact. I figured that there was some kind of technical issue going on, and resolved to give them a couple of days to fix it before trying again.\n\nThe following day, XX/XX/XXXX, I received another email from Aidvantage with the subject line : \" Your monthly billing statement is ready. '' I opened the email and saw that it contained a link that said \" View Statement. '' This was great news -- problem solved, right? But when I clicked on the link, I was directed to a broken webpage that did not allow me locate any useful information ( I've attached a screenshot of the page that I took this evening. It's still broken ). I tried again to call customer service and utilize the non-functional chat feature, neither of which yielded any kind of response. At this point, I'm starting to wonder whether this company actually has anyone working for them On XX/XX/XXXX, I had a bit more time to spare, so I tried to call in again. I waited on hold for nearly 2 hours this time before giving up, and checked the website again to see if the Live Chat function was back online. I repeated this process over the next several days ( with varying hold times ) while keeping a close eye on my physical mailbox in hopes that I would still receive a statement as promised. No success.\n\nFast forward a bit, and it's XX/XX/XXXX, and my payment is due in less than 2 weeks, and I still haven't gotten any information or communication from Aidvantage. Everything is still broken. Incredibly frustrated, I started combing through their website to find any kind of useful information. I finally located a link that would allow me to email their customer service team, so I did. Upon submitting my request, I received an automated email which advised that I could expect a response within 1-2 business days. It's been about 5 business days, and I still have yet to hear back.\n\nToday, XXXX, I found myself stuck in traffic, so I decided to try calling customer service again. I wasn't hopeful, but it's become apparent to me that my options here are pretty limited. After an hour, I was finally connected to a representative.\n\nI spoke with the gentleman on the other line, and repeated my original request for a billing statement. He was a nice guy, but didn't seem to have a clue as to what I was actually looking for. It took me about 15 minutes of explaining, but he was finally able to confirm what I was needing and let me know that a copy of a statement will be mailed to me within the next 5-7 business days. I asked whether he could just send me an email instead, but he advised that would not be possible. Doesn't make a ton of sense to me, but I didn't bother asking why. I was mostly just happy to discover that Aidvantage actually has employees.\n\nNow, assuming that a billing statement has actually been placed in the mail and I can actually expect to receive it this time ; I will not be able to access it or submit it my employer until after my first payment is XXXX XXXX XXXX. My recent interactions ( or attempts thereof ) with Aidvantage have not inspired confidence that they will actually follow through on their commitment, which is why I wanted to ensure that a formal complaint was documented.\n\nI know that this is a relatively minor issue, but if my recent experience is indicative of \" the norm '' in dealing with this company, then I can only imagine what other customers have had to go through while preparing for repayment. The financial stress of repayment is enough of a burden on the consumers, and it's only been magnified by Aidvantage 's utter lack of care or respect for their clients. Frankly, I'm amazed that this firm has been allowed to take on the responsibility of administering something so impactful to the lives of thousands ( millions? ) of people. I'm not sure whether there is a standard of care for these kinds of organizations, but I'm certain that Aidvantage has no interest in establishing or adhering to it.\n\nAlso, the Live Chat is still broken.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/7654980", "source": "cfpb", "group_id": "cfpb/78280a9b9479a12df510", "variant": "clean", "length_bucket": "long", "chars": 6154, "company": "Maximus Federal Services, Inc.", "date_received": "2023-10-06", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "78280a9b9479a12df510de003f0c7fd7d3d6ba8768698599991ff3eabc907837", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Surge XXXX XXXX XXXX XXXX This fraudulent predatory company has disparately affected my life and credit report as an XXXXXXXX XXXX mother of a XXXXXXXX XXXX, ultimately preventing me from moving forward in my path to home ownership because of their inaccurate reporting and discriminatory practices of not communicating or responding to consumers in a reasonable timeframe thus far violating multiple Fair Credit Regulations with False statements, and refusal to notify management when escalation is requested, are just some of the negative occurrences I endured through my time with this card, junk fees, ontop of inaccurate credit reporting, it simply feels like I have been scammed. My child begun having uncontrollable XXXX back in late XXXX of XXXX. Which ultimately, she was diagnosed as XXXX and I had to go on XXXX to care for her because we were spending majority of our months in the hospital while she was under testing repeatedly or recovering from XXXX. I did notify this company of the situation and asked them if they had anything to help offset the payments that would be upcoming because of our current medical emergency in XXXX which at that time I was having pregnant having complications with my XXXX, XXXX and had a sick child mid diagnosis of a XXXX would have.. I called twice begging for help or solutions but was told nothing was avaible. The first charges appear in the first week of XXXX but the site said my first bill wasnt due XX/XX/XXXX on the first date there which means the first actual bill I was responsible for since card only arrived to me in XXXX wouldve been due XXXX and they told me that my account was too new and they had no options to defer/ or hold off the payments, to avoid fees or prevent damage to my credit. I then called back in XXXX after I took a hardship Withdrawal from My XXXX to rectify all of my affairs and requested to speak with a XXXX to pay my bill and to see if, they could possibly remediate the harm the late remarks had done to my report, like my other credit card company just did .. remove some of the fees or reporting of late payments whatever and give me a payment plan so I could pay to get our affairs back on track. I informed the agent that I hadnt heard from them since I called to tell them that I had left my wallet in an XXXX when rushing my sick child to hospital back in XXXX XXXX so I wasnt even sure if all the charges was mines cuz I literally only had the card XXXX before it was lost and when I logged online I seen lots of fees but I had informed them That my child was living in hospital and I was out of work dealing with that, and I too was dealing with sickness wise. First He said that I never called, and called me a liar and begun being extremely combative then said XXXX no I did actually call in to report the card lost/stolen in XXXX once he seen it on the account but he said they never notated my account about the hardship and I said thats fine sir please just get a XXXX obviously u cant assist and I need to get this bill Paid so I can fix my credit and buy a house and this is the only thing holding me back and I do have my documentation from our hardship. He refused to get XXXX and kept saying a XXXX wont return any fees if I was looking to beg or remove the remarks From my credit that it wasnt possible and I could just pay with him and asking why I wanted a XXXX.!? And saying he didnt have to get a XXXX cuz he could assist me or just close my card, I said sir dont touch my card.. please get a manger. He said I had blocked them from calling my phone previously with a very sarcastic tone as to infer my predicament was my problem and I asked, sir why are u being so aggressive and XXXX Like nobody from surge or XXXX Has ever called me, then he said that they say a diff name when they call, XXXX like so how am I supposed to know who you all are if you all Are using a different name when u call?? XXXX I blocked a number I didnt know or company saying a name I have no dealings with. Please sir make it ..make sense He said that they say XXXX XXXX XXXX XXXX like how on earth would I know that surge is credit management?, instead of XXXX or the actual Bank lender I entered a contract with?. I then said sir I dont care honestly, my child is in the hospital, XXXX XXXX and sick and I just want to get these bills in order but not until I speak to management .... I need a XXXX so they can fix this account and I can get it paid up to date .. he refused, I asked him over XXXX times to escalate the call and transfer me to a XXXX even to XXXX XXXX I felt like I was physically literally begging and begun crying out loud in the phone because of this hsrrament as my child is in a helpless position I didnt understand why i deserved to be handled this way and XXXX just tryna correct my affairs and this random worker is being rude XXXX, belligerent and difficult. He then begin putting me on holds and acting like he was waiting on a XXXX. He did this for XXXX mins and kept picking up every XXXX Mins .. laughing saying all the managers were in meetings an I could just handle whatever I wanted with him but I insisted it wasnt a problem I would wait please get a XXXX .. he placed me on hold again and I said thats fine Ill wait .. he had me wait another XXXX mins before picking up the phone saying all managers are busy they wilCall u back and hanging up abruptly after me being in phone over XXXX waiting on a XXXX so I could pay my bill and possibly have XXXX of the fees fixed and complain on the guy I was on the phone with treating me so poorly. I waited over a week and a half for someone to return my call. They never did, after XXXX weeks I finally called back very upset and asked to be escalated to a XXXX and to speak with someone .. the woman then finally transferred me -and I told the XXXX what happened .. she apologized and when I told her what happened and that I was literally just tryna pay my bill But request a fee reimbursement she said my account had been closed earlier that week and I was livid because it was in their recorded call that I called to fix my account over XXXX and half weeks prior and their employee refused and lied and kept me on the line and never got a XXXX so I could pay or fix the account and this XXXX said she could see the call they would have to listen to it and investigate and would return my call so I could make payment or rectify .. and reopen once the call is reviewed and claimed they was going to investigate and call me back within XXXX business days. Its been 2 months, I have never heard back from them and they have charged off my account and reported months late where there legally wasnt a bill on the account the I was responsible for and have ultimately caused adverse actions in my life and credit and great harm to come to my XXXX child who depends on my credit and livilhood being intact to keep a roof on our head when shes not facing an medical emergency .. and I find it very offensive that because I was an XXXX American woman reporting a hardship With XXXX I was treated less then fair and like a second rate citizen .. not given the same service as those who find themselves in similar situations with different skin tones. Or even the opportunity to fix this account that they had documented proof of me calling to fix in more then enough time. This company records their calls .. please pull the tapes, I called to fix my bill and was mocked, nitpicked and ridiculed by their representative for our XXXX and hardships who was rude, abrasive, XXXX and refused me the service of getting a XXXX to complete my transaction and now I am the only person suffering. In accordance to regulation Z I had the right to speak with management and dispute or request a few investigation of any late charge, or disrespect encountered while I had this card and they have violated the basics of fair lending by allowing representatives to deny consumers access to management, disputes, and other wise harrowingly refusing to service an already distressed card member is not only sick but predatory when they refused to actually investigate my claims or respond notify me of results in a timely manner. They have written the debt off and claimed it as profit and received a XXXX for it but is now currently reporting negatively on my report and never actually conducted an investigation, or provided proof if investigation or resolution nor rectified the XXXX behavior of their employee or notified me of any of it and have ignored my atrempts to get answers. And now is having another company pursue this debt that shouldnt even exsist if they had competent workers who actually investigated disputes or got the manger when begged to be allowed to speak with management on my then open account, So now despite XXXX getting paid from writting the debt off on their taxes they are looking to be paid twice actually by illegally discharging premature because it was literally bit over 60 days past due, the fees on the card were from junk fees piled on by them of over XXXX and not properly investigating or responding in a timely matter after being notified of the mishaps. On top Of the countless junk fees, a late fee for a bill that wasnt due yet, and countless other they added to the balance and inaccuracies in the payment history. And some fraud charges being present that I was denied an opportunity to address and dispute with management ontop of me having documented proof them inaccurately unjustly reporting incorrect information to the credit beareaus til this day.. how could an account that was only XXXX late in XXXX be legally XXXX On the XXXX .. when it wasnt closed that day when I called and spoke to their agent or signed in online .. and viewed it while the rude man who refused to get a XXXX and ll chatted??? ... If this wrong is not rectified I will be seeking legal counsel to sue them in court for the disparate treatment, XXXX antics of the guy who laughed at my childs XXXX and mocked my hardship, XXXX to get a XXXX and seeking monetary reparations for the lack of investigation, correspondence in a timely manner as well as formal acknowledgment of their wrong doing from the harm their negligence has caused to my credit and life to suffer since I was denied the chance to pay or rectify an open active account and subsequently punished for reporting this by a person acting as a representative for them, who closed my account premature without consent. They closed my account and never investigated even after I called back to notify their management and have calls pulled, I have not been contacted back or notified of anything. No one reached out to me with an update to the investigation or dispute and nothing was sent, in regards to the account being prematurely charged off. Please hold this predatory XXXX company responsible for these actions. I saved a screenshot from the halfway through that phonecall when the representative cursed me, laughed, mocked my dire needs situation/ hardship and refused to assist me or get XXXX then kept me on an extended hold pretending to get management just to hang up XXXX mins later despite it already being a XXXX min convo of us going back and forth and me begging for a XXXX. XXXX of the reporting dates on the credit report clearly showing this card was closed premature. The XXXX XXXX XXXX was put in place to prevent these kinds of behaviors. This cant be legal and it feels unfair, predatory, prejudice and discriminatory. XXXX please hold them accountable for their actions and inactions as it regards me a protected class a pregnant XXXX American mother with a XXXX caring for a XXXX child with severe health issues. This complaint is on Surge XXXX, And XXXX XXXX and XXXX XXXX as the agent called them on the phone. They have not responded to any of my formal written letters that I mailed out either and are gaslighting claiming to have sold the debt to which obviously I already mentioned that they act as an intermediary company to them when the card is open so that is forsure double dipping which should be another crime. I did contact the credit bureaus since it seems to be impossible to reach this company, and they have failed at accurately making them verify the misinformation .. despite the proof being in the report and just been just as incompetent in getting this resolved or having the information on my credit report validated for accuracy to make my file more accurate. This ultimately is my last attempt to mediate before I file civilly for the disparate uncivil treatment and predatory practices this company is inflicting on minority borrowers seeking monetary compensation.\n\nXXXX received XX/XX/XXXX First bill was scheduled to be due XX/XX/XXXX yet it had a XXXX dollar late fee XXXX member fee, and XXXX more in late fees which would have meant the first XXXX late that could be reported would be XXXX how was the card then closed the very next month??? ontop of XXXX dollars in fees in XXXX not including interest And XXXX in fees in XXXX for a card not open more the 4 months and prematurely closed by an overzealous XXXX employee who refused to get the XXXX so I could pay my open card and have some of the fees disputed. Please make it ..make sense .. its predatory lending at its finest A XXXX balance with almost XXXX in fees XXXX months please review this company asap!!! And the only resolve is to have the card/ account completely removed From my credit history at this point if it cant be reopened and everything rectified I want my credit returned to the state it was in before they disparately denied me an m opportunity to service / dispute/ escalate to a manger and pay my bill and failed to investigate or update me at all in a timely manner", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8784547", "source": "cfpb", "group_id": "cfpb/d668d6f96372acbd9d4d", "variant": "clean", "length_bucket": "long", "chars": 13750, "company": "Continental Finance Company, LLC", "date_received": "2024-04-16", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "d668d6f96372acbd9d4d15ca35571c4a14bec97c009cc53521f4d672be952862", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We have an existing HELOC with TD Bank and they are sending us a lot of paperwork to review our loan. which is secured against our house. The problem is as follows : sending paperwork to the wrong address after we corrected it so we did not receive it. Sending us an email only on the XXXX. stating we have until XXXX XXXX to provide a lot of documents or they will term our loan out. I believe it is a loan they call XXXX, a term used within TD, which does not have an expiration date on it. So the contract was written incorrectly, in my estimation only. They are trying to push clients to terminate these loans and refinance. This is not our fault. XXXX should be looked at as a separate matter. We paid off our corporate loan, our HELOC on our second home, and maintain over {$700000.00} balance cash in the bank from the sale of that home. We were told our credit score was XXXX when in actuality it is XXXX, XXXX and XXXX. Also they said there is a judgement from XXXX XXXX ( which is incorrect ) for {$740.00}, which is a ridiculously small amount to bring up when compared to our timely payments on XXXX different accounts. We are working to have that eradicated. Even with that satisfied judgement my scores were that high. In the last five years we had XXXX late payments to TD on our mortgages, never delinquent. At this point, we owe {$100000.00} on a {$300000.00} credit line ( which we want to keep open ) on our HELOC and {$360000.00} primary mortgage which is secured by a property of {>= $1,000,000} with a {$700000.00} savings account. I want to keep our HELOC and not be forced out by TD. I have asked for a copy of the original contract that says they have the right to review it after 5 years and am yet to receive it.Their suggestion was to take our {$700000.00} of savings, put it with their wealth management team and be charges 1.4 % management fee per anum and then they would give us a {$300000.00} line against our stocks. It seems like a large conflict of interest and somewhat risky. I do not see where we have done anything wrong. I am XXXX, near retirement, and I want to keep that line to start a XXXX in Vermont. Incidentally, if they term us out, it will be a fixed payment over 10 or maybe 20 years but an interest rate of over 5.2 % and we are currently paying 3 %. But it is a fixed payment where we could not pay early or re-borrow again. It is an entirely different structure and would indirectly force us into not managing our money they way we want to.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1773633", "source": "cfpb", "group_id": "cfpb/c45be0268e5a1e0957ac", "variant": "clean", "length_bucket": "medium", "chars": 2494, "company": "TD BANK US HOLDING COMPANY", "date_received": "2016-02-04", "product_raw": "Mortgage", "issue_raw": "Credit decision / Underwriting", "sub_issue_raw": "", "text_sha256": "c45be0268e5a1e0957ac611a88eb04067a8748ee10e2b1e6a99d5f365b7559b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/year> I ordered XXXX XXXX lamps from XXXX XXXX, with a place of business noted on their website as XXXX, XXXX. The lamps cost {$920.00}. The vendor did not offer any type of insurance for the purchase. This seemed like a very small operation and I was reluctant to order from them until I discovered that payment would be made through PayPal, which I expected would be a fair arbiter should problems arise.\n\nThe lamps were received on XX/XX/year> from an address in XXXX. They were left at in front of my house by the delivery carrier. The package was damaged and the packaging was completely inadequate for shipping such easily damaged items by international carrier. All three lamps were dented, and one had a piece broken off. The lamps were unusable.\n\nOn XX/XX/year> I emailed the vendor asking for a refund and offering to return the items if the vendor supplied a return shipping label.\n\nI did not receive a response to the email so I sent another email on XX/XX/year> with the same information.\n\nI sent a third email on XX/XX/year>.\n\nOn XX/XX/XXXX I was offered replacement items if I paid shipping cost, the amount of which was not disclosed. This was an unsatisfactory offer. As I was not responsible for the inadequate packing that resulted in damage and as the seller did not offer insurance at the time of original purchase, I did not feel that I should bear the cost of the sellers negligence. In addition, given the inadequate packaging, I was reluctant to encounter the same issue a second time.\n\nThere were many email exchanges over the next few days without the seller offering a substantively different resolution.\n\nI filed a complaint with PayPal, who had processed the charge, on XX/XX/year>. Through multiple exchanges the seller began to insist that the only resolution was for me to return the items after which I would get a refund of the amount paid. I was also required to return the items to XXXX rather than XXXX where the seller was ostensibly located. However, after checking with XXXX, the estimated cost of shipping to XXXX was {$1500.00}! The original purchase was {$920.00}. Therefore I was being asked to pay {$1500.00} to get a return of my initial {$920.00}.\n\nOn XX/XX/year>, when it became clear that the seller was not willing to take any responsibility for the negligent packaging that resulted in the damage, I escalated to a claim with PayPal. The seller kept making the same offer, a full refund of {$920.00} after I paid about {$1500.00} to return the items. I continued to respond that this was unacceptable. At XXXX point, PayPal asked me to accept or reject the offer. When I tried to respond, the only option I was given was to complete a form with return shipping information. Without shipping information, the form could not be submitted so there was no way to again indicate that the offer was not acceptable. In the notes section of the form, I explained that I was not accepting the offer and that I put in a tracking number of all zeroes and a carrier ID of No Carrier to be able to submit the form but that, in fact, I was not sending the item back.\n\nI even followed up with another note to the complaint file a few days later reconfirming that I was not accepting the offer and was not returning the items.\n\nPayPal closed the case in the sellers favor because I did not return the items. Not once in the entire string of messages did PayPal ever acknowledge that it made no sense to pay {$1500.00} to get {$920.00} back and, furthermore, this situation was completely the fault of the merchant who was taking no responsibility for the situation.\n\nOn XX/XX/year>, I called PayPal to discuss the case and to have them address the fact that not once did they acknowledge the lunacy of the sellers offer that would have cost me more money than I would have gotten back. When the customer service representative could not help, she transferred me to a supervisor. The supervisor kept repeating that I did not get a refund because I did not return the item. I repeatedly kept asking him to explain to me how it made sense for me to spend an additional {$1500.00} to get {$920.00} back. He never once answered the question. He just kept repeating the need to have returned the item.\n\nAt my request, he promised me a call back from another supervisor that same day. Now, XXXX hours later, I have not received a call back from PayPal.\n\nMy complaint with PayPal is that they did not attempt to adjudicate this situation in good faith. They kept repeating the sellers request that I ship the items back at my expense to receive a refund without acknowledging that the shipping costs, that the seller would not reimburse, were more than the cost of the items that would presumably be returned to me. PayPal never addressed my multiple comments about a proposed resolution that would have cost me more than doing nothing and losing my {$920.00}. Despite multiple requests PayPal did not explain the logic of the proposed resolution which, of course, did not make any sense. They failed in their duty to adjudicate my claim in good faith, siding instead with an unreasonable seller and never responding to an explanation of how the proposed resolution was fair.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "unauthorized_transactions", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/10261648", "source": "cfpb", "group_id": "cfpb/fe461447c4f8c9b08ebd", "variant": "clean", "length_bucket": "long", "chars": 5225, "company": "Paypal Holdings, Inc", "date_received": "2024-09-26", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "fe461447c4f8c9b08ebdb5195afa3a1bd9019cf1abf15249bcadabc70f88c505", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "*The numbers link to the attached pdf of emails.\n\nOn XX/XX/year>, my XXXX account was suspended due to \" unusual activity '' linked to my account, as mentioned in an email from XXXX ( XXXX # XXXX ) ( 6 ) ( 2 ). I was asked to provide a picture of my photo identification, which I submitted via their Document Upload Form ( 6 ). Despite complying with their request, my account has remained frozen, and I have been unable to access or withdraw the funds in my account for over XXXX months.\n\nSince then, I have contacted XXXX multiple times to resolve this issue, including via chat sessions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ( 3 ) ( 5 ) ( 4 ) ( 2 ). In each case, I was informed that my case was being forwarded to a XXXX team, but I have not received any substantive updates or resolution.\n\nOn XX/XX/year>, I received an email stating that XXXX could not provide any further information about why my account remains frozen and that my funds are still unavailable for transfer ( 1 ).\n\nThis ongoing lack of communication and the indefinite freezing of my account has caused significant frustration and concern. I am seeking assistance to regain access to the funds in my XXXX account as soon as possible.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9862870", "source": "cfpb", "group_id": "cfpb/53181c8bb92a4c547f86", "variant": "clean", "length_bucket": "medium", "chars": 1227, "company": "Paypal Holdings, Inc", "date_received": "2024-08-20", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Trouble accessing funds in your mobile or digital wallet", "sub_issue_raw": "", "text_sha256": "53181c8bb92a4c547f863ad07290897d0be8352bd6e35557daf208fc64bf82bd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/XXXX I received a letter in the mail about a {$50.00} debt due to The XXXX XXXX in XXXX, TX that had been sent to collections with Pro Collect. I paid Pro Collect in full in XX/XX/XXXX, I did not receive any kind of payment confirmation. Went to look at the account today and they are stating I sill owed money, paid another {$15.00} today XX/XX/XXXX. I just want them to stop adding money that is owed that is not real.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "debt_collection", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"debt_not_owed": "Attempts to collect debt not owed", "written_notification": "Written notification about debt", "false_statements": "False statements or representation", "communication_tactics": "Communication tactics", "negative_or_legal_action": "Took or threatened to take negative or legal action"}, "label": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/8713544", "source": "cfpb", "group_id": "cfpb/1f216cf297ee46324955", "variant": "clean", "length_bucket": "short", "chars": 429, "company": "ProCollect, Inc.", "date_received": "2024-04-06", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "1f216cf297ee46324955a966f762768a932a54849d62bbba27c6deef4dcccb0a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I went to school at a school that has since closed. It went by many names ... ..XXXX, XXXX, XXXX ... ..to name a few. Anyway, I went to school XX/XX/XXXX and had a loan through Navient and have been paying them since then. They have threatened me with garnishments, made harassing calls to me, and forced me to set up payment plans. I recently went on a .gov website for some help because as often as the companies change, I can not keep track of who i 'm paying and how much or how long i 've been paying each company. Anyway, the .gov site chat sent me to NSLDS.ed.gov where I could see my loan history and there I found that Navient was paid off thru a consolidation loan XX/XX/XXXX! But they 're STILL TAKING MY MONEY, every month, right out of my bank account. I have requested my transcripts so I can try to get loan forgiveness since the school I went to just suddenly boarded up one day. I am also looking into Public Service Loan forgiveness, since I have worked in the XXXX since XX/XX/XXXX. But in the mean time, Navient has taken my money, for 11 years without me owing them ANYTHING. I have attempted numerous times to call them via their XXXX and local numbers and can never get a live person.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "student_loan", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"lender_or_servicer": "Dealing with your lender or servicer", "struggling_to_repay": "Struggling to repay your loan", "getting_a_loan": "Getting a loan"}, "label": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2297932", "source": "cfpb", "group_id": "cfpb/d4d40574359c969fa95d", "variant": "clean", "length_bucket": "medium", "chars": 1207, "company": "Navient Solutions, LLC.", "date_received": "2017-01-19", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Trouble with how payments are handled", "text_sha256": "d4d40574359c969fa95dd2fd638ed14893c5d34a3164a48da266cc83d7ba523f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I opened a previous dispute about a collections from \" XXXX XXXX XXXX '' for a collection of {$780.00}, original creditor was XXXX XXXX. The debt was not mine and was proved to not be mine and was to be removed. Both the credit reporting agencies and CFPB showed that it was an error and said it was to be removed. The debt is still being shown on my Experian, XXXX, and XXXX reports however. In the case of XXXX, the \" XXXX XXXX XXXX '' collection was removed the same day a new collection account with the same open date and same amount due was opened on my XXXX account. I now have a new collections which says the original creditor is \" Collection '' with the same amount owed {$780.00} and the same opened date of XX/XX/2018. The collection company appears to be either not removing the account or in the case of XXXX they have moved the collection to another company name so they can reinstate it on my credit report. I'm applying for a mortgage shortly and can't keep fighting ( this is the fourth time ) to keep this charge off of my accounts. As soon as I have them removed by XXXX, XXXX, or Experian they are put back on again a few days or months later until a different collections name. If it can't be stopped permanently I'll need to file a lawsuit against the holding company. Please help before it gets that far.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "credit_reporting", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"incorrect_information": "Incorrect information on your report", "improper_use": "Improper use of your report", "investigation": "Problem with a credit reporting company's investigation into an existing problem", "unable_to_get_report": "Unable to get your credit report or credit score", "fraud_alerts_or_freezes": "Problem with fraud alerts or security freezes"}, "label": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/3690045", "source": "cfpb", "group_id": "cfpb/e79e4af9254ae0369fae", "variant": "clean", "length_bucket": "medium", "chars": 1331, "company": "Experian Information Solutions Inc.", "date_received": "2020-06-09", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Old information reappears or never goes away", "text_sha256": "e79e4af9254ae0369fae4a61d21a417fce34055f2bcf8fb2526bf424ab3e9b0c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I initially contacted Verizon Visa Card on XX/XX/XXXX, about a {$350.00} charge that was made on XX/XX/XXXX. I disputed the {$350.00} charge and requested a reversal of the charges on the basis that the merchant ( XXXX XXXX XXXX ) has gotten paid TWICE at my expense... How? Because XXXX XXXX XXXX is CONNECTED to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I paid XXXX XXXX XXXX {$350.00} on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has deducted {$400.00} on behalf of XXXX XXXX XXXX XXXX\n\nNOTE : It takes weeks for a tax refund to be processed, so this is why we have the dates XX/XX/XXXX and XX/XX/XXXXXXXX in my complaint The amount of {$350.00} versus {$400.00} is because of a discount I paid UPFRONT!\n\nIf clients elect to have tax prepared service fees taken out of their tax return, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) will deduct tax service fees from the clients tax return ; pay the tax preparer, and send the client the remaining balance!\n\nHowever, if fees are paid UPFRONT, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) WILL NOT DEDUCT any fees and will send the full amount to the clientNOTE : The client is meTerrance XXXX!\n\n***For further details please see all ( 6 ) attachments 1. Letter to Verison Visa Card 2. Copy of the IRS Tax Form ( 2nd page only ) 3. Copy XXXX Payment Receipt 4. Copy of Bank Statement 5. TPG Receipt 6. XX/XX/XXXX letter sent to me by Verison Visa 7. XX/XX/XXXX letter sent to me by Verison Visa Please read \" Letter to Verison Visa Card '' -- -FIRST ... .IT EXPLAINS IN GREAT DETAIL OF MY COMPLAINT...", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7621850", "source": "cfpb", "group_id": "cfpb/c6ffc6593b8229af0480", "variant": "clean", "length_bucket": "medium", "chars": 1557, "company": "SYNCHRONY FINANCIAL", "date_received": "2023-10-03", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Credit card company isn't resolving a dispute about a purchase on your statement", "text_sha256": "c6ffc6593b8229af0480ec19c7b67aefd1cb41b16d0df116e9b63442aa6d5b77", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, I am sending what I attached and sent to my bank involving the scam that took place. This was my rebuttal to the first denial, and they have now denied me again, saying \" I did not fall under their policy and it will remain denied. '' It truly upsets me that they had all the information to see that this was a fraudulent listing and still refuse to support their members - But gave me back ATM withdrawals ( {$1800.00} ) that I gave them ( the scammers ) when they ( the bank ) said it would most likely not get approved.\n\nTo whom it may concern, I am a victim of an online rental scam from XX/XX/XXXX to XX/XX/XXXX, when I first reported the issue to the FTC. Over that course of time, I was working on upgrading my living situation from an apartment to a house for my family as our lease was coming to an end, and we provided a 60-day notice that we would be leaving so we could move into this house all while unknowingly being taken advantage of due to my veteran status. After giving our 60-day notice and realizing I was being scammed, the panic set it that there was a real possibility that we would be homeless and out a lot of money.\nTo explain what happened, I will do my best to take you through a very tough situation. To hold the house and take it off the market, I was asked to make three forms of payment first months, last months rent, and a security deposit which was a widespread request to rent a house and is something that is understood nationwide. Additional payments/fees were made per the agreement/contract as it was told that they would be taken off the future rent payments. I was in a very vulnerable state as I was on a new medication that I was prescribed to take due to my diagnosis from my service in the XXXX. This just added to everything that the scammers knew and took advantage of to make it known that I would be an easy target.\nIn addition to the scam against me, the scammers also stole the identity of the valid owner of the house I was going to be renting. I was shown/given documents that the house was owned by the said individual I was supposed to be talking to. The actual person who owns the property, when informed of this matter, said they had never spoken or heard of me and was unaware that their identity had been stolen. I will attach the documents that relate to this and show proof of what I saw.\nI went to the courthouse to go after the individual who scammed us in a civil matter ; they assisted me with figuring out the actual owner of the property. I tried to do the right thing and attempted to contact her work so I could inform her that her identity had been compromised ; they refused to take a message, and I was later reported to the police, quickly ending up on the wrong side of justice all do to a misunderstanding and the fact that I couldnt explain what had been going on. All I wanted to do was inform her of her identity being stolen and what was going on with her property. Later that night, I was contacted by an XXXX who informed me of what was going on as he called to question me and finally heard me out after scolding me about being a victim of a rental scam that should have been reported sooner. I was trying to do the right thing and help someone else out who was getting scammed by the same person I was, and now I just want this all past me so I can continue living my life without this hassle.\nAfter I had been through all these hectic situations and thought maybe this was all past me, the individual contacted me again, asking me to work with him and help scam other people. I informed the police, and they told me that nothing could be done, and my only option and hope left was to contact the bank to get my money back. So, this is where I am asking you for help in clearing up this matter and finally letting me move past it all.\nI have been a proud Navy Federal credit union member for several years and am to this day. This matter requires some additional and deeper investigation, hopefully resulting in a full refund of money. This was US currency stolen from me, not an online format I lost to trading. I ask that this be taken seriously as it is an actual claim of fraud and a legitimate claim of a scam that was reported to the XXXX Police Department ( Report # XXXX ) as well as the FTC ( Report # XXXX ). ( Files attached ) After I contacted the bank to start the fraud claim, I was issued a new checking account due to the fact that we werent sure if my previous information and financials had been compromised ; I received a new card and switched everything over to my new account. I was under the impression that things were being handled, and I was finally getting the help I needed. The bank returned the majority of the money I lost, which was amazing. All evidence and contact information was provided when filing my initial claim, and that is why I am disappointed in the way this claim was handled and the recent outcome. I was recently notified by email that an adjustment was being made to my account without any kind of warning and left me with a negative balance of {$5900.00} without any explanation. I find this very unprofessional and not living up to what the NFCU stands for.\nI was always under the impression that NFCU honored and protected their veteran clients from this kind of danger, especially when it involves the sensitive topic of possible veteran homelessness. As you can imagine, this was a very terrifying time for my family and me as we were not sure where we were going to live and out all this money due to the scam.\nI hope you can understand and see this as a serious matter that has only been causing more problems for me as the days go on.\n\nThe following information is all the contact information I have between the parties at hand.\n\nXXXX Email by the supposed owner of the house phone number is : I believe their name is XXXX XXXX the main person ) ( XXXX ) XXXX XXXX XXXX Email provided by the supposed owner ; this is the person that was supposed to be delivering me the keys through shipment.\n- XXXX XXXX ( XXXX ) XXXX XXXX Another person that reached out to me being the person brother : - XXXX ( XXXX ) XXXX XXXX XXXX XXXX Email : XXXX The attorney : XXXX Villa Email : XXXX Name : XXXX XXXX XXXX https : //www.timetasklogs.com/welcome/contact.php The website of the shipping company that was supposed to be delivering the keys and documents to the house I was supposed to be renting.\nhttps : //www.timetasklogs.com/welcome/check.php The tracking number for this is : XXXX The bank information that was shared with me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX Routing Number : XXXX", "questions": {"issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"fraud_or_scam": "Fraud or scam", "money_not_available": "Money was not available when promised", "mobile_wallet_account": "Managing, opening, or closing your mobile wallet account", "unauthorized_transactions": "Unauthorized transactions or other transaction problem"}, "label": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/5790711", "source": "cfpb", "group_id": "cfpb/057cd96325bc2f49463f", "variant": "clean", "length_bucket": "long", "chars": 6662, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2022-07-20", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "057cd96325bc2f49463fb79ed52ec607d61ee786d9ea266f965616ac93890d94", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "First, let me start with a 'Thank You ' for staff at this agency and their previous help to me to try to open this communicae with some positive energies since your agency for the situations you can investigate does actually get results at an Individual level and in quicker time.\n\nI am hearing I must include a note for myself and good spirits that when I was falsely XXXX and XXXX in XXXX XXXX XXXX XXXX XXXX via the us consulate, XXXX XXXX, then XXXX starting XX/XX/XXXX a contrived situation because of XXXX XXXX XXXX XXXX and XXXX XXXX to force me off the land XXXX XXXX XXXX XXXX I was trying to help save I had heard a connection from FTC and something went wrong in that pulling on me although/albeit there were other events occurring simultaneously. A note of thanks for anyone strong and anchored to hear through those periods and help to retrieve good spirits is greatly appreciated. I couldn't keep up alone before, please dump some of these situations on the rich and foreigners invading us pushing all this sick XXXX and let them be pulled-down.\n\nI must also please request help against XXXX XXXX on XXXX XXXX XXXX they stole my new XXXX XXXX {$810.00} with extended warranty and {$650.00} minimum base price of the generator directly out of their store. XXXX XXXX refused to take a report let alone do any investigation, XXXX XXXX are XXXX to XXXX XXXX corporate and only repeated back what XXXX XXXX wrote to them, ny state attorney general is corrupt and did do anything, nor did XXXX XXXX. This is just one of the many corruptions allowed against me and other XXXX, XXXX Americans by XXXX lining their pockets, and for the firms/corps stealing from Americans to hand over to XXXX foreign social types to lazy and cheap to do Real Work and are violent to everyone in every land including their own that they infest physically and spiritually pushing their XXXX consumerism social order XXXX through different types of XXXX destroying the quality of life everywhere for everyone.\n\nCurrentEvent : XXXX XX/XX/XXXX at XXXX I attempted to make a cash advance in the amount of {$1000.00} from USBANK FOCUS debit card at XXXX XXXX Maryland branch of XXXX XXXX to Deposit to my account with XXXX XXXX to conduct regular business transactions. I had made a cash advance from this card before XX/XX/XXXX COVID 19 situation. I recall two times attempting and I queried the teller Agent what it was stating and he claimed that he didn't know he hadn't seen that screen before and asked of his supervisor. She stated I could go and try to use the ATM but I was not allowed to make a cash advance that something was wrong with USBANK side of transactions. They didn't explain how it couldn't work as a cash advance that I previously conducted but that the card would work from the ATM. I didn't want to handle money through the ATM so I admidt I got angry and didn't attempt using the ATM.\n\nAccording to the USBANK FOCUS debit card updates I viewed yesterday dated from XXXX? XXXX before I called the bank number for customer service, I was within the updated {$1000.00} cash advance limit and hadn't made any transactions for several months.\nYesterday, XX/XX/XXXX dialing the number XXXX XXXX option for lost cards, an alleged XXXX employee # XXXX call ending at approximately XXXX claimed he could see that I had changed my pin on the XXXX but had no recorded indication of an attempt for a cash advance from that XXXX XXXX branch in XXXX XXXX Maryland .\nAfter querring this XXXX for other options than his extension that this is a severe issue, he told me he sent an e-mail to what he described as tier 2 and I would receive a call from them. He first stated he didn't know when, but then when questionioning him with when he would generate the e-mail and when to expect a call back he stated 1 hour. It's 28 hours and still no response back.\nI see on the web browser that for two months prior to my search today people have had money stolen from them including federal unemployment money by this bank that the bank is not responding to anyone through any contact method. I don't see this same forum because tab reset your formula but there are several entries including 1from XXXX a news clip in XXXX dated XXXX that these people in Colorado are having issues with their money from Colorado unemployment being stolen by USBANK. Numbers in a automated system that you can't access is intention to steal. They have therefore stolen both state and federal money and their fractional lending corruption needs to be stopped. The government needs to start stepping in with the military to overtake these corrupt businesses and go after the corrupt ceo 's, management, agents, employees, and contractors to confiscate their wealth and this entire banking system and liquidate them and just get the pay directly from the government and save all this headache.\n\nI am on a contract now and this company is paying us through USBANK FOCUS debit card so I am deeply scared that I will not get this pay since I can't access the previous funds stated in their automated telephone system.\nBut this then pertains to any other debit card also.\n\nThanks again for your help.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3728780", "source": "cfpb", "group_id": "cfpb/4faaca83f435eb923cde", "variant": "clean", "length_bucket": "long", "chars": 5177, "company": "U.S. BANCORP", "date_received": "2020-07-03", "product_raw": "Credit card or prepaid card", "issue_raw": "Trouble using the card", "sub_issue_raw": "Problem using the card to withdraw money from an ATM", "text_sha256": "4faaca83f435eb923cde35d6db5515dea6e969b5c6fc197b0e5a30268a7d4bc1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "my deceased uncle died a year after his wife. Im trying to obtain successor of ownership upon obtain ownership and calling different companies to get information which was unfortunately to now availability the house went into for closure me and my spouse had been living in the dwelling prior to foreclosure utilities and the making of repairs was my obligation 's. I'm now in litigation as in the sale of deed of trust. In making the effete to gain ownership wit all paperwork in hand I was sent to XXXX and all paperwork was stolen from the house along with all my property and any info concerning ownership or occupation we had. I have only with me the note and mortgage papers. Is there any proper way I can go about this situation?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "mortgage", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"payment_process": "Trouble during payment process", "struggling_to_pay": "Struggling to pay mortgage", "applying": "Applying for a mortgage or refinancing an existing mortgage", "closing": "Closing on a mortgage"}, "label": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/3480218", "source": "cfpb", "group_id": "cfpb/ee0adacec931669d2ed1", "variant": "clean", "length_bucket": "short", "chars": 737, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-12-29", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "ee0adacec931669d2ed1e60aa90fcaafb85e9cc53f9225602daa6b01974c915b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Around XX/XX/2023 I had closed my XXXX master card account due to fraud charges that kept happening every month the reason why I had closed the account is because these fraud charges that happened on my card kept happening over and over again even about XXXX months or longer before I had closed the account every time I seen these charges on my card I would file a complaint and have them send out a new card with a new number and I wouldnt even use the card they would send me and then all over again the same charges would happen this happened over and over again where several charges from XXXX XXXX and XXXX would show up on my transactions sometimes these transactions happened several times in XXXX day after the next, the company then refunded me the money for the claim but after it kept happening they quit refunding me when they know it was fraud from previous claims filed so when it kept happening and I wasnt giving the number out to no one with the new cards given but the charges kept appearing on my transactions. Now Ive closed the account and every month I make the minium payment and the XXXX master card company keeps putting late fees on me when I pay it on time with the app then they will call me and harassing me saying the payment wasnt made but I know it was and it was done on their app. Even when these charges kept happening I would go on the app to download the statements but they would not be available on my account and on the app. I feel the someone in their company is doing the fraud and making the charges on my cards because it keeps happening when a new card is sent out and the only ones with the number is me and them and if I aint making these charges then someone in their end has to be doing it. They still have not refunded my money for the last claim I filed, and they keep putting more charges on the accout when its been closed for several months.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "card", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"purchase_on_statement": "Problem with a purchase shown on your statement", "fees_or_interest": "Fees or interest", "getting_a_card": "Getting a credit card", "making_payments": "Problem when making payments", "closing_the_account": "Closing your account"}, "label": "purchase_on_statement", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/7802896", "source": "cfpb", "group_id": "cfpb/666682d195bf7229c8d7", "variant": "clean", "length_bucket": "medium", "chars": 1897, "company": "Continental Finance Company, LLC", "date_received": "2023-11-04", "product_raw": "Credit card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Card was charged for something you did not purchase with the card", "text_sha256": "666682d195bf7229c8d74b5961937300e8edfac128e126eb353bab6f9e49e490", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On Monday, XX/XX/2021, I was contacted by Wells Fargo via text message asking if XXXX specific charges were authorized by me. After responding to the text, I received another text showing a debit to my checking account, also not authorized by me. I immediately called Wells Fargo and told them that my account had clearly been hacked and to shut down my checking and savings accounts with them.\n\nAfter watching several more transactions being deducted from my account via text alerts on my phone, I was informed from the customer representative to whom I was speaking that your company actually had video footage of a man at a Wells Fargo ATM machine in XXXX XXXX Texas, withdrawing money from my account matching the time stamp of the withdrawal from my account. I live and was in XXXX at this time with the ONLY debit card issued on this account in my possession. Also, I am the ONLY authorized user on my account.\n\nWhen trying to get into my account while on the phone with the bank, I discovered that my password had been changed thereby locking me out of my own account. Upon further discussion with your representative, I was told that someone had called the bank and verbally requested {$4000.00} be transferred from my savings account, which they willingly did without my approval or verification.\n\nWhen asked to see the photos of the man at the Wells Fargo ATM and hear the phone recording of the call when Wells Fargo transferred my money in my savings account to my checking account, I was refused.\n\nOn the Wells Fargo website, it says to Contact us immediately if you suspect fraud on your account ( XXXX ) or you responded to a suspicious email, text message, or phone call. When you call, we will review your accounts, identify all unauthorized transactions, and help keep your accounts secure.\n\nI did so in my call telling them that NONE of the transactions made on XX/XX/2021 were made OR authorized by me, and they failed miserably in keeping my XXXX secure as many transactions continued to be made that day. They actually assisted the thief when your company allowed a phone request of a transfer of {$4000.00} from my savings account into my checking account with NO notification to or verification from me. These large purchase amounts and the location from where they occurred do not match up with my normal daily account activity.\n\nFurthermore, I was also NOT notified by the company when the person changed my password on my account. However, when I did this after this theft, I immediately got an email from Wells Fargo telling me that my password had been changed. On XXXX of my countless phone calls to Wells Fargo, all of my account information was verified as correct. Why did I not receive an email telling me that my password had been changed by the person stealing from me but did when I completed this action?\n\nTheir website says that they protect my data by doing the following : XXXX XXXX XXXX We are helping to keep your money safe by monitoring your accounts and XXXX contact you if we detect unusual activity. If it's not your purchase, we will help you resolve it. We use various methods to contact our customers including email, text, push notification from the mobile app, or phone call. When we contact you, we will not ask for your card PIN, access code, or your online banking password.\nIf your banking behavior differs from your usual activity, we XXXX send you an access code to confirm your identity, prevent certain types of transactions, or restrict account access ( including card declines ). Further proof of identity XXXX be required before we restore online access.\n\nThe website goes on to say that customers are covered with account protections by stating the following : Unauthorized Account Activity Under federal law, Regulation XXXX ( Electronic Fund Transfer Act ) provides certain protections to consumer customers when there is unauthorized account activity. Regulation XXXX covers transfers of funds through electronic methods such as, the use of a debit or credit card, ATM withdrawals, and direct deposit activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes.\n\nXXXX XXXX XXXX Wells Fargo XXXX and XXXX XXXX come with XXXX Liability XXXX at no extra cost. You wont be held responsible for unauthorized transactions, so long as you report them promptly.\n\nBased on the companys promises, they failed to protect my data AND have NOT covered my account protections even though I notified them IMMEDIATELY when debits to my account showed up on my phone.\n\nOnce again, not only did they not protect me, the account holder ; they assisted the person who stole a combined total of {$4600.00} from my checking and savings accounts. I was told that my money would be returned to my accounts in totality within XXXX business days. That deadline passed on XX/XX/XXXX, and I still have not received my money that was taken from my accounts. I have also not been communicated with and have had to initiate communication with your company in order to find if any progress, or lack thereof, has been made regarding my case. And when I do talk with someone, nobody knows the facts of my case, and Ive had to repeat the events multiple times. And at the end of each conversation, nobody has offered any solutions to the problem.\n\nWhen I called the bank on XX/XX/2021, the last day of their own aforementioned timeline, I was told that my claim had been denied because of authorization by me of these transactions. That is complete and utter nonsense based on the proof that I gave in my phone call to you on XX/XX/2021 as well as their own admitted video footage of someone taking money from my account via a Wells Fargo ATM. There is also a phone recording of the person asking for the transfer of {$4000.00} from my savings account to my checking.\n\nIn short, Wells Fargo has failed me at every single turn, and did not upheld their promises to me as a customer nor your protection of my money.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "A money transfer, money service, or virtual currency", "vehicle_loan": "A vehicle loan or lease", "personal_loan": "A payday, title, or personal loan"}, "label": "bank_account", "src": "cfpb_product"}, "issue": {"type": "choice", "instructions": "What is the main problem the consumer describes?", "criteria": {"managing": "Managing an account", "closing": "Closing an account", "opening": "Opening an account", "charged_by_another_company": "Problem with a lender or other company charging your account", "low_funds": "Problem caused by your funds being low"}, "label": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/6465046", "source": "cfpb", "group_id": "cfpb/528aa33fc61b73843b13", "variant": "clean", "length_bucket": "long", "chars": 6057, "company": "WELLS FARGO & COMPANY", "date_received": "2023-01-20", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "528aa33fc61b73843b13f1cf462c5dbce10ace78329b2390d5e4c6b0348edb29", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}