{"state": "I received a job offer from XXXX XXXX XXXX and they said my onboarding task was to deposit a check. So when i did as they asked, the check was put on hold and now my account is restricted and i have to go to work and school tomorrow with no gas.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9123205", "source": "cfpb", "group_id": "cfpb/e9d6234743f3265d58cf", "variant": "clean", "length_bucket": "short", "chars": 245, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-05-29", "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": "e9d6234743f3265d58cf163a6f3171d36312481de029a2bb817459eac84485c7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.", "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/1602170", "source": "cfpb", "group_id": "cfpb/73c0bf0df050bb309f19", "variant": "clean", "length_bucket": "short", "chars": 246, "company": "Forster & Garbus LLP", "date_received": "2015-10-10", "product_raw": "Debt collection", "issue_raw": "Taking/threatening an illegal action", "sub_issue_raw": "Threatened to sue on too old debt", "text_sha256": "73c0bf0df050bb309f195b5b9c501cfd839d70cea895304a4605b2778435f756", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "LEGAL PROCESS ON COLLECTIONS I XXXX XXXX, states on record with the Consumer Financial Protection Bureau that any transfer of debt ownership without proper true copy originality to prove ownership transfer, is hereby deemed a PHAMTOM DEBT. Any issuance of a collection against my personal history is therefore illegal where there is no standing in the jurisdictional courts of my domicile. The attached collection from Portfolio Recovery Associates is over 10 years old, as not even the original XXXX XXXX XXXX  account is even posted on any of my credit bureaus. This collection is 100 % fraudulent and must be removed permanently Many illegal collection actions have been brought against collection agencies by the United States of America on behalf of the Federal Trade Commission. The Commission is an independent agency of the United States government given statutory authority and responsibility by the FTC Act, 15 U.S.C. 41-58. The Commission is charged, inter alia, with enforcing Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; the FDCPA, 15 U.S.C., 1692-1692p, which imposes duties upon debt collectors ; and the FCRA, 15, U.S.C. 1681-1681x, which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency or use information obtained from a consumer reporting agency.\n\nPlease be advised that I have a serious disagreement with information that remains on my personal credit profile, and most this dispute comes from the Fair Debt Collection Practices Act, otherwise known as Public Law 109-351 ( FDCPA 15 U.S.C. Sections 1692 ).\nPursuant to my rights under the Fair Debt Collection Practices Act, I request all the following items be forwarded to me within ten business days from your receipt of this dispute letter : I request a copy of any signed document of service pertaining to the above referenced debt service in which the obligation occurred. \nI request notice of where any original signed contract or service agreement is located, of the person or persons responsible for the maintenance of any or all original documents, the contact phone numbers of said person ( s ), and the proper time of day during the week in which these individual ( s ) can be contacted.\n\nAny false representations or deceptions pertaining to the validation process as mandated by the Fair Debt Collection Practices A\nct ( FDCPA ) and all federal and state court decisions applicable to the enforcement of the FDCPA will be reported to the Attorney Generals Office of my home state. Pursuant to Section 809 of the FDCPA, I request a copy of any 30-day notice of debt that must be sent to an alleged debt\nor to validate a debt. Only notices sent by certified mail will be accepted for a Mini-Miranda notice of debt service or an attempt to collect a debt. Notification by regular mail delivery of an alleged debt can be successfully disputed in any state court as verification of service is mandatory.\n\nI request copies of any license or bonding that may be applic\nable to the above referenced ( creditor, servicer or collection agency ) to operate within the state I reside to procure debts of any nature.\n\nThe Federal legal definition of the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of a transaction are primarily for personal, family, or household purposes, whether such obligation has been reduced to judgment. However, all states have their own laws pertaining not only to what construes a debt and have very stringent guidelines as to how such debts were procured in original form, how they were assigned to either a servicer, another business or collection agency, or if such an assignment was handed to a properly licensed and/or bonded establishment under requirements of the General Law of said state. \nI therefore dispute the posted collection and demand full true copy originality of ownership or assignment of collection responsibility. If validation is not connected, then the collection must be removed permanently. All FTC guidelines will be applied in my validation dispute. \nDELETE ALL REFERENCES TO THIS AGENCY POSTED ON ANY PERTINENT CREDIT REPORT!!! \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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3976560", "source": "cfpb", "group_id": "cfpb/e9c8cab7290753b2a0d1", "variant": "clean", "length_bucket": "long", "chars": 4356, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2020-11-26", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "e9c8cab7290753b2a0d195e142484e661c8e19aa6336cf51dd0478c5ee42f12c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2728023", "source": "cfpb", "group_id": "cfpb/491e689c4a49eab0a512", "variant": "clean", "length_bucket": "medium", "chars": 1266, "company": "Big Picture Loans, LLC", "date_received": "2017-11-13", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "491e689c4a49eab0a5122992408cbd12e6d68b5d285c34607feac0ffd0be2f36", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX  XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc.,  has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ... \n\nThanks to you all ....", "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/3293682", "source": "cfpb", "group_id": "cfpb/592d914a6388eea0f67c", "variant": "clean", "length_bucket": "medium", "chars": 1766, "company": "ENOVA INTERNATIONAL, INC.", "date_received": "2019-07-02", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "592d914a6388eea0f67c1690a99b01fd37d5faa4c8fa33a29bc5673a1f5be992", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have contacted Ally as it relates to a consumer credit transaction that took place as the XXXX XXXX on XX/XX/XXXX. \n\nMy, ( the consumer ) initial contact with Ally was with a \" billing statement, '' for the alleged debt associated with the consumer credit transaction made between the consumer and XXXX XXXX. \n\nI have since discovered a billing error. To correct the billing error, I contacted Ally Financial by ways of mail and lawfully requested that Ally Financial Inc. provide documentary evidence of the account, the original agreement bearing my ink signature, as well as other documents. I, the Consumer is not in receipt of these documents.\n\nFollowing my request for these documents, Ally Financial Inc. sent a notice of default for the alleged debt that was under dispute as of XX/XX/XXXX, ( the date ALLY received my notices ). Ally threatened, myself ( the consumer ) of taking possession the vehicle which is inequitable and impracticable, and act as adverse actions towards the 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5382512", "source": "cfpb", "group_id": "cfpb/62ce7c4dc0b2937713b2", "variant": "clean", "length_bucket": "short", "chars": 1002, "company": "ALLY FINANCIAL INC.", "date_received": "2022-03-29", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "62ce7c4dc0b2937713b2eb5a03735a88cde49d67cae8c01c8912d0b239cf1c2b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I take weekly screenshots of my balances after payment is processed. It is shown that the balance for loan XXXX remains unchanged. \nI had a payment scheduled for XX/XX/24 for the amount of {$250.00}. Three of the payments went through for XXXX XXXX, and XXXX. Loan XXXX did not get any money applied nor did it go to any other loan amount. The amount for loan XXXX was suppose to be {$75.00} dollars. \nLoan XXXX is an interest free loan so there is no interest accrued on the account. \nI provided screenshots of my bank account showing the money being removed from my account on Monday XX/XX/24. Only {$180.00} was applied. \nEdFinacial live chat does not work nor the email support option.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8206243", "source": "cfpb", "group_id": "cfpb/7cafc81f479a67385955", "variant": "clean", "length_bucket": "short", "chars": 689, "company": "EdFinancial Services", "date_received": "2024-01-23", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "7cafc81f479a6738595593d95b3b40285588178605228b479ec9c32f9435deac", "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 XXXX XXXX XXXX XXXX, Account # XXXX XXXX Dept Of Ed Account # XXXX XXXX XXXX XXXX Account  # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. \n15 U.S.C. 1681 SECTION 602A states I have the right to privacy.\n\n15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated 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"}, "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/5803163", "source": "cfpb", "group_id": "cfpb/1529ac5fb7ec8015eea6", "variant": "clean", "length_bucket": "short", "chars": 419, "company": "Experian Information Solutions Inc.", "date_received": "2022-07-23", "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": "1529ac5fb7ec8015eea630c9e9901007921cdc8588fc99bba565e852665c895b", "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 FederaXXXX 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. NATIONAL CREDIT ADJUST bal. {$1000.00} 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/4965322", "source": "cfpb", "group_id": "cfpb/eee23e4ae52a01476a35", "variant": "clean", "length_bucket": "long", "chars": 5796, "company": "National Credit Adjusters, LLC", "date_received": "2021-12-01", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "eee23e4ae52a01476a35af69bcaebfd1355a045282ab74e3f7f980e4d77b29d1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informationisinaccurate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6138322", "source": "cfpb", "group_id": "cfpb/821cabdc129ed452ae73", "variant": "clean", "length_bucket": "medium", "chars": 1693, "company": "EQUIFAX, INC.", "date_received": "2022-10-27", "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": "Was not notified of investigation status or results", "text_sha256": "821cabdc129ed452ae739bf938dd70d90ebdbe90f4f2312265200c3c33710b7c", "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 mother, XXXX XXXX XXXX, was granted full guardianship of her brother, XXXX XXXX XXXX XXXX ( a 30 year XXXX veteran ) due to XXXX based XXXX and his inability to manage himself and his personal property by the Superior Court in the State of XX/XX/XXXX XXXX County. Additionally, I was granted Standby Guardianship of my uncle at the same time by the same court. We moved my uncle to XXXX XXXX, XXXX  from XXXX XXXX,XX/XX/XXXXXXXX  on XX/XX/XXXX. In XX/XX/XXXX, my mother and I applied to XXXX XXXX Court for Co-Guardianship of my uncle in XXXX. On XX/XX/XXXX, my mother and I were appointed Co-Guardians by the court. \nUnfortunately, XXXX XXXX XXXX passed away on XX/XX/XXXX due to complications of XXXX. \nOn XX/XX/XXXX, I went to the Bank of America location in XXXX XXXX, XXXX   ( XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX  XXXX ) to start the process of reassignment of my uncles guardianship account from my mother to myself. I sat down with a bank associate, XXXX XXXX, explained the situation. He asked me for the documents related to my mothers passing and the XX/XX/XXXXXXXX. At that time, I provided an original death certificate for my mother and copies of theXX/XX/XXXX He immediately froze the guardianship account. He then called the Bank of America Law Department and was informed that I needed the original court documents of the Guardianship for my request to be honored. I went back to mothers home and located the originals. On XX/XX/XXXX, I returned to the bank and provided Mr. XXXX with the original court documents. He then phoned the law office and could not get anyone to answer his call. He then informed me that they were probably gone and would not be back in the office until XX/XX/XXXX. He then also informed my that these documents would no longer be honored by Bank of America after XX/XX/XXXX, since they would be one year old at that time. He also seemed to take great satisfaction in telling me this. These court documents are legally in affect until XX/XX/XXXX, and it is stated so and signed by the judge. Mr. XXXX informed me that Bank of America will not honor the judges directive in any regard. In any regard, I had provided the required documents to the bank before this one-year issue had arisen. I still dont understand why a bank is allowed to subvert a judges legal order. At this point, I decided to wait until I received the guardianship from XX/XX/XXXX and resolve the account situation. \nOn XX/XX/XXXX, I received the Co-Guardianship approval from the XXXX Circuit Court Judge. I then went to my local XXXX XXXX Branch in XXXX, XX/XX/XXXX to open a new Guardianship account. After consulting with their legal team, they said that they couldnt open a new account since the other guardian was deceased. I then contacted the court to explain my situation. They told me that I would have to contact my attorney to have an amended order filed to change the Co-Guardianship to a Guardianship naming me as the sole Guardian. I received the certified amended letters of Guardianship signed by the judge on XX/XX/XXXX. I returned to XXXX XXXX who then contacted their legal department. The legal department then said that they required the Order of Guardianship signed by the court. I then contacted the guardianship attorney, who was surprised at that requirement since the entire point of the letters signed by the court is to eliminate having to carry around the orders. I received the amended order of guardianship on XX/XX/XXXX. \nI then returned to XXXX XXXX and was able to complete the opening of the new guardianship bank account. I immediately went to the local Bank of America office ( XXXX XXXXXX/XX/XXXX, XXXXXX/XX/XXXXXXXX ) to arrange to have the funds from the frozen guardianship account transferred to the new account. I went into the bank and sat in the waiting area. The bank manager approached me and asked what I needed. I explained to her my situation and also told her that I have been unable to pay my uncles bills, including his rent due to the guardianship account being frozen. She then told me that I would need an appointment. I commented that I did not need an appointment when they froze up the funds, and why do I need one to get them unfrozen. She then reiterated that I still needed an appointment. She arranged an appointment for me to meet with XXXX XXXX on XX/XX/XXXX. I then reiterated that I needed this issue cleared up so I can pay my uncles bills and was there anyway I could have this appointment earlier. She flatly said no. \nOn XX/XX/XXXX I met with XXXX XXXX. I again explained the situation to Mr. XXXX and explained the urgency. XXXX expressed his condolences for my loss ( first time anyone did at Bank of America ). He then took my paperwork, scanned it in to their system and phoned the Bank of America Law Office. The Law Office approved the documents. He then filled out a form to get the unfrozen funds to me. He told me that the estate unit would have to send me a certified check and it would take 5-7 business days. I again explained the urgency and that my uncles bills could not be paid because Bank of America had all his funds tied up since XX/XX/XXXX. XXXX said it was out of his control and I would simply have to wait. \nOn XX/XX/XXXX, I still had not received the funds. I phoned Bank of Americas Estate Department and they said that they were waiting on Mr. XXXX to complete a form. I then made an appointment to meet with Mr. XXXX ( the first available was the next day at XXXXXX/XX/XXXX ). I then called Mr. XXXX, to which there was no answer, and I left a message for him to call me. I then phoned back the Estate Department and asked them to contact Mr. XXXX directly. They did and instructed him to call me. Mr. XXXX then called me. I again stressed the urgency that he needed to fix this. He assured me he would and would also call me back with an update before the end of the day. Im still waiting for that call ( i.e., Mr. XXXX never called me as he said he would ). \nOn XX/XX/XXXX, I went to the Bank of America office to meet with Mr. XXXX for our scheduled appointment. He had me wait in the lobby until about 10 minutes after our scheduled appointment. He then told me that I would have to wait at least another two weeks because the Estate Unit was backed up because of CoVID 19. I told him that was unacceptable and was no excuse for not doing their job competently and honestly. I also reiterated that my incapacitated XXXX Veteran uncles rent hasnt been paid in two months and he was incurring significant late charges that he could ill afford. I then demanded that he get the Estate Unit on the phone immediately while I was there so I could directly understand what the problem was. Mr. XXXX informed me that it was not possible for the three of us to get on a call together. I then told him to direct me to a phone and the number to call. \nMr. XXXX gave me the number and directed me to a cubicle with a phone. I phoned the Estate Unit and spoke with a XXXX. I fully explained to XXXX my situation. She expressed her condolences and asked me to hang on for a few minutes while she researched the case. After a couple of minutes, she explained to me that Mr. XXXX incorrectly filled out the account disposition form to release the funds and if he filled out a new one there was no reason that the bank could not release my uncles funds to me that day. I asked her if she should could explain to Mr. XXXX what needed to be done. She was very agreeable. I then called Mr. XXXX over to the phone, which I had on speaker and XXXX then explained what needed to be done ( while the three of us were all communicating ). Mr. XXXX then informed me that he needed to call the Estate Unit back to help him complete the task at hand and I could wait or he would phone me back. I explained that I had a couple of errands to run and would wait for his call to return. Within fifteen minutes I received a call from Mr. XXXX explaining that the funds were available and I could pick them up within thirty minutes and that I should simply go to a teller to get the funds. \nI returned to the bank in thirty minutes, waited in a fairly long line for a teller. Neither Mr. XXXX nor the bank manager offered any assistance. When it was my turn, I explained to the teller what I was there for, she took down my uncles name, social security number and my mothers name. She then called over the bank manager for assistance, since the amount {$29000.00} was over her limit. After a few minutes, the teller was able to give me the certified check that the bank manager had signed. I thanked her and wished her a nice day. The bank manager failed to express any regrets to what I had experienced. I then went over to the XXXX XXXX XX/XX/XXXX and deposited the check in my uncles guardianship account. I was able to pay his over due bills the next day. \nFrom my perspective, Bank of America handled this situation in an unprofessional, uncompassionate and dishonest way. Outside of XXXX from the Estate Unit, there was no assistance or adequate focus to solve this issue in the manner and time that it needed to be solved. The frontline personnel at Bank of America are either not sufficiently trained or knowledgeable to properly manage their customers funds. Their lack of compassion and unwillingness to address this customers urgent needs was unforgiveable. At the very least, they should be ashamed. Even the manager of the branch showed a complete unwillingness for me to get my uncles funds unfrozen. There was never an apology from any of these folks on their failure to properly handle releasing my uncles needed funds. XXXX did apologize to me for the bank putting me through this ten plus week ordeal.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4021820", "source": "cfpb", "group_id": "cfpb/64b449dfc545c1377070", "variant": "clean", "length_bucket": "long", "chars": 9728, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2020-12-19", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Can't close your account", "text_sha256": "64b449dfc545c137707031360f69ae1a31967360306bd7e66b6f359d7bd60ef0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My name XXXX XXXX someone used my info to purchase a vehicle from XXXX XXXX  n my name this person social is XXXX which is sum little girl its not mine but they said it was mines n stuck this on my credit report I went to apply for a house cause of this on my credit report it didnt happen I have worked hard to get my credit right n now this also this person have turned this vehicle n I guess I will have too start too sue paperwork for 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": "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/2905401", "source": "cfpb", "group_id": "cfpb/a8befa1846772968e39d", "variant": "clean", "length_bucket": "short", "chars": 451, "company": "Experian Information Solutions Inc.", "date_received": "2018-05-14", "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": "a8befa1846772968e39de4eb7611b4e3a819f784853352cd5a31899feed7998b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Vehicle registration paperwork has been in limbo since XXXX. Have not been able to register vehicle and not able XXXX XXXX vehicle because of this. Late and missing payments due to loss of hours at work and recently suffered a work related injury resulting in partial amputation on left hand. Chase has not resolved the XXXX registration issue and not willing to work with me about payment options. Most recently a payment which would have kept me from going beyond XXXX late has been returned, forcing me into full payment of remaining balance or repossession of vehicle. Chase claims to be mailing paperwork but I have yet to see anything since XXXX of XXXX. And messages they claim to have left have not been received due to callers not identifying themselves as part of Chase Bank. 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6797275", "source": "cfpb", "group_id": "cfpb/68512bc71d8440d62bec", "variant": "clean", "length_bucket": "short", "chars": 798, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-04-05", "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": "68512bc71d8440d62bec88fd306888826da5e32ff12d5609f209ec06cdc3863e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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": "incorrect_information", "src": "cfpb_issue_credit_reporting"}}, "_meta": {"id": "cfpb/9992856", "source": "cfpb", "group_id": "cfpb/e440a7d516fcb64d835d", "variant": "clean", "length_bucket": "short", "chars": 328, "company": "Experian Information Solutions Inc.", "date_received": "2024-09-02", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "e440a7d516fcb64d835d8adbf24011792582c20a84debd6939db5d9421a6ad2f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the \" would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. \n\n\n\nAlthough I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. \n\n\n1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.\n\n2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.\n\n3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. \n\n\n4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.\n\n5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.\n\n6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3379374", "source": "cfpb", "group_id": "cfpb/0b68ffe8bd492670f4a6", "variant": "clean", "length_bucket": "long", "chars": 7989, "company": "EQUIFAX, INC.", "date_received": "2019-09-19", "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": "0b68ffe8bd492670f4a63c2d3dc56a822059986eb09167175beda5bf5243a91a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After XXXX, I received a computer generated note from Freedom Mortgage that was dated XX/XX/XXXX, and their written notice regarded increasing my current hazard insurance that would be mandated to include \" WIND '' coverage by stating that The insurance we will purchase : They used vague words like \" immediately '' but did not specify any date of action, so I called several times and spoke to different customer service representatives and their insurance department as well as the Lender-placed insurance department. I have had the same hazard insurance coverage ( - WIND ) since the inception of my mortgage which was agreed upon years earlier. This same coverage was submitted to them every year and I was never informed of any hazard coverage shortfalls or the specific need to purchase additional \" WIND '' coverage until after XXXX XXXX. \n\nThen I received the next notice ( dated XX/XX/XXXX ) on XX/XX/XXXX and reviewed my original mortgage docs, and their written notice stated that we have purchased Lender-placed insurance, along with additional documents. \nEVIDENCE OF LENDER-PLACED WIND INSURANCE ( XXXX XXXX XXXX XXXX XXXX ) Amount of insurance : {>= $1,000,000} Annual premium : {$56000.00} + {$2.00} XXXX Provides dwelling/building protection against loss. ( Not land or complete property ) Subject to deductibles ( undefined ) not available from Freedom or XXXX XXXX. \nI called the insurance Dept at Freedom, and spoke to XXXX XXXX XXXX # XXXX. \n***She stated that can not see when the lender-place policy was purchased but the effective date is XX/XX/XXXX. \n**Furthermore, the wind policy is subject to a deductible but that deductible amount is only available after a claim has been filed. \n*Finally, the amount of their WIND coverage is 80 % of my current hazard insurance on file, yet only provides coverage for building/dwelling - not the property as a whole. \n\nThe XXXX XXXX XXXX XXXX FL website lists the value of our building/dwelling at $ XXXX, but the value of our land is > $ XXXX and the Freedom mortgage is only $ XXXX yet they have taken out an insurance policy with coverage > $ XXXX. \n\nMy hazard insurance has remained the same since I applied for and was offered an original mortgage which was sold to Freedom and no additional parameters were stated to me. Only late in XXXX was I notified that additional WIND coverage is now required, in addition to my current hazard and flood insurance coverages which are already in place. \n\nThis additional cost is an impossible burden to me, requiring an additional $ XXXX in earned income subject to XXXX which would allow me to spend $ XXXX for this added cost, and I am unable to achieve this additional income annually. I have contacted XXXX different insurance brokers and dozens of insurance companies but am unable to bind coverage specifically for \" WIND '' to be added to my existing hazard policy. XXXX agents have written to me that no company will even underwrite homeowner 's policies with \" WIND '' in XXXX XXXX. I have discussed this with Freedom Mortgage and offered to payoff the entire loan amount in full within 7 days. \n\nThey sent payment of {$56000.00} to XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX ) on XX/XX/XXXX but retroactively applied an effective date of XX/XX/XXXX. They have added this bill to my existing Escrow account and will not let me payoff my mortgage without paying this additional full amount of $ XXXX. \n\nXXXX - Is it legal in the State of Florida to have a an effective date earlier than the purchase date? Can a company require a homeowner to purchase retroactive insurance coverage when there is a XXXX chance of a claim being filed since that time has passed? \nXXXX - Is it legal in the State of Florida to require a homeowner to be Overinsured for building/dwelling? Does an insurance company have the right to set an arbitrary value for such XXXX - Do the above actions represent some type of Insurance fraud??? \nXXXX - The results of their action without offering me a specified date when this would be charged/paid did not leave me any choices or alternatives. \nXXXX - I am forced to payoff the entire mortgage ( with added $ XXXX ) and incur an income tax reportable event by withdrawing the full amount from my IRA to get out from under this. This is an unreasonable mandated over-insurance coverage which has an annual payment more than twice my mortgage payments. My mortgage was $ XXXX per year but would jump to $ XXXX because of this action. \n\nThis company has not given me an opportunity to discuss or obtain additional hazard insurance by a specific given date, and has charged me an additional $ XXXX per year which triples my costs to meet their new requirements. They will not release any specific information regarding the \" WIND '' insurance purchased or how they determined the amount of insurance or deductibles, but state that these parameters will be disclosed only after a claim is filed. This represents insurance and mortgage fraud, waste, abuse, and misconduct.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8046454", "source": "cfpb", "group_id": "cfpb/a605c32541d5e596127d", "variant": "clean", "length_bucket": "long", "chars": 5006, "company": "Freedom Mortgage Company", "date_received": "2023-12-22", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Escrow, taxes, or insurance", "text_sha256": "a605c32541d5e596127da6aa1aae63dfab4acb009e87ba620d41dd6d2de30fbb", "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 a charge on my Macy 's credit card for a purchase that was delivered to an outdated address in New Jersey. I moved to New York four years prior to this purchase, and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. \n\nI have contacted your customer service multiple times regarding this issue, and I was assured that the amount would be refunded. However, a few months later, I received a bill that included the original charge, three instances of interest on it, and a late payment mark on my credit report. \n\nDespite my repeated explanations that the purchase was sent to an address in New Jersey where I haven't lived for years, and that I have not received any items from Macy 's, the issue remains unresolved. I have no connections in New Jersey and did not receive anything from Macy 's at that location. \n\nI am requesting that this charge, along with any associated fees, be completely removed from my account and my credit report, as I did not receive the purchased items and was previously informed that the refund had been processed. \n\nThank you for your prompt attention to this matter. I look forward to your immediate 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": "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/9801292", "source": "cfpb", "group_id": "cfpb/ffc374da9624a9540561", "variant": "clean", "length_bucket": "medium", "chars": 1215, "company": "CITIBANK, N.A.", "date_received": "2024-08-14", "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": "ffc374da9624a9540561be878a4793310255a5957449dac8866d80250d73a80b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX I contacted XXXX XXXX and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for XXXX XXXX relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a XXXX XXXX victim and needed assistance so I said yes. \nThe Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} XXXX relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. \n\nThis hard pull credit check was done completely WITHOUT my consent or authorization. \nThese calls are recorded and I want the recordings reviewed if necessary. \nI contacted XXXX XXXX XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 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"}, "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/2676241", "source": "cfpb", "group_id": "cfpb/2c510321dbdf762eb3b4", "variant": "clean", "length_bucket": "medium", "chars": 1380, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2017-09-17", "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": "2c510321dbdf762eb3b454b8feeb3588e0413039800271f016521d1c326b10a1", "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 called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from the 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2630936", "source": "cfpb", "group_id": "cfpb/33243613fc155df3d2ae", "variant": "clean", "length_bucket": "short", "chars": 851, "company": "U.S. BANCORP", "date_received": "2017-08-15", "product_raw": "Credit card or prepaid card", "issue_raw": "Closing your account", "sub_issue_raw": "Can't close your account", "text_sha256": "33243613fc155df3d2aefd2ee80031581efd180726bfbcd6b33ff09024b4e891", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My fiancee and I have been in the process of buying a home and he applied for a FHA loan through Wells Fargo. We have now had our closing date pushed multiple times as they have not been honest nor upfront about the documentation that they need and are required to have. We have been given multiple emails at the end of the business day requiring certain documentation by the next morning ( less than XXXX hours notice ) and telling us that because we were not providing it to them within this time frame they will be pushing our closing. Some of the documents that they are requesting require special testing to get done which requires scheduling meaning that they know the date will get pushed by giving us such short notice. We have also had multiple issues with getting in touch with the processor XXXX XXXX. She has a habit of emailing at the end of the business day and then not responding to emails or phone calls. She will also call and then hang up when my fiancee answers instead of speaking to him and then will send an email and leave for the day. This is now in the hands of upper management and we have even been told that they knew from the beginning all the documentation that they were going to need from us but the team failed to tell us what they needed in a timely manner and the upper management said he was not sure why they did not inform us prior as to not have so many delays. We have also been told multiple times by multiple people on our loan team that they need no other documentation from us and we are just waiting on approval from the underwriter only for them to come back and say they need more documents and giving us less than 24 hours notice to provide them. This is also causing a domino effect as there are XXXX other deals that keep getting pushed because of the lack of communication from Wells Fargo. We have had to now reschedule the utilities for the property multiple times as well as the XXXX XXXX loan that my fiancee is taking over. We are also having to now pay more for storage as well as internet services ( XXXX as we will be living in the desert and this can not be canceled at this time and it was a 2 week wait for shipment ) that we are not even able to use. We have now asked multiple times for an update only to be given the runaround and one excuse after another. We had a home sale in NJ that closed XXXX XXXX XXXX and have been staying in a XXXX ( prior to selling our home, so for the last 3 months ) with bad utilities and other issues with a XXXX XXXX XXXX as well as being XXXX so we have been eager to get this situation dealt with and have tried on multiple occasions to ask for everything that was needed as to smooth everything over. Our real estate agent as well as the seller 's real estate agent have also done the same and have asked Wells Fargo multiple times why they are waiting last minute to ask for certain items when they knew it was required only for Wells to not be able to provide an answer. We have also been lied to about certain things and were told that certain documentation that is required is brand new and not something they are used to asking for, but after some research we have found out some of these tests and documents have been a requirement for FHA loans since XXXX When we have pointed these things out XXXX XXXX has not been able to provide an answer. XXXX XXXX and XXXX XXXX XXXX are also on our team and have stated that they do not need anything else from us and that they are just waiting on approval from the underwriter, however, now it is in the hands of their manager XXXX XXXX who also has told us they do not need anything else from us and they are just waiting on approval only to ask for more documentation. We have had multiple phone calls as well as emails and have been more than cooperative however, this has gone too far and we are being lied to and it has been one excuse after another. The organization and communication have been horrible. We would love for this to get resolved ASAP and have been asking what we can do but there has not been a proper 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": "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/6221330", "source": "cfpb", "group_id": "cfpb/ccbb45e15c0f1c8dfd20", "variant": "clean", "length_bucket": "long", "chars": 4080, "company": "WELLS FARGO & COMPANY", "date_received": "2022-11-18", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "ccbb45e15c0f1c8dfd2068ce69491e10628213ea863aec148175e27cf1a95f8a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I HAVE FRAUDULENT INQUIRIES AND ACCOUNTS ON MY CREDIT REPORTS. MY POLICE REPORT AND OTHER DOCUMENTS ARE ATTACHED. I JUST WANT THE CREDIT BUREAUS TO DO THEIR JOBS UNDER FEDERAL LAW ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2905170", "source": "cfpb", "group_id": "cfpb/bc269fd84163bf1b3614", "variant": "clean", "length_bucket": "long", "chars": 4937, "company": "Experian Information Solutions Inc.", "date_received": "2018-05-13", "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": "bc269fd84163bf1b361418c2b0a982ee9e633abb51de1d9c9db9dfd142bb5ec2", "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/XXXX I received a call at XXXX from Comenity Capital requesting a payment on an account that was transferred from Dell. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. \n\nI am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Comenity has continued to call over and over again. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation.\n\nThe TCPA provides that \" It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8041016", "source": "cfpb", "group_id": "cfpb/375520d9a1679fdcbd67", "variant": "clean", "length_bucket": "short", "chars": 1196, "company": "Bread Financial Holdings, Inc.", "date_received": "2023-12-21", "product_raw": "Credit card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Problem with customer service", "text_sha256": "375520d9a1679fdcbd67c40dcdcb94110805b5bcc67701a5e971392181d881ac", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased a used car at XXXX and financed it through Santander. In addition to the car I purchased XXXX XXXX ( XXXX XXXX warranty service ) and paid over {$1000.00}. When I returned the car and purchased a new one, I was told that the monies for the XXXX XXXX for my old car would be returned to Santander, but I paid it to Car XXXX. Santander was supposedly paid the money for my XXXX XXXX and would eventually be paid back to me. This is unacceptable and illegal. The money I paid to XXXX XXXX should be returned to me by XXXX XXXX and not sent to Santander. XXXX XXXX claims the money for XXXX XXXX was paid to Santander to make sure the original loan amount is paid off, but that is mixing apples to oranges. I was not able to walk out of the store without making sure the car loan was paid/satisfied. When that happened, all of my money, INCLUDING THE FUNDS PAID TO XXXX  XXXX FOR XXXX XXXX should have been settled. Sending the money owed to me by XXXX XXXX, to Santander, to see if I owed Santander money, when my loan to Santander was paid off is a frivolous waste of time and is illegal. It is simply a way for the XXXX companies together to mess with, hold up and deny the consumer their proper reimbursement. It has been a month since I traded my car in and have no information as to where my refund is. XXXX XXXX points to Santander and Santander points to XXXX XXXX. THIS IS ILLEGAL.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6457225", "source": "cfpb", "group_id": "cfpb/a51ecaaa92b645014b77", "variant": "clean", "length_bucket": "medium", "chars": 1398, "company": "SANTANDER HOLDINGS USA, INC.", "date_received": "2023-01-19", "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": "a51ecaaa92b645014b77138fab987a2a5ea53ae94200bc01a7d13c8ba6a75d00", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "CONCORDE AUTO MGMT SER CONCORDE AUTO ACCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to violation : I have Witnessed a charge off/ closed account on my credit report, regarding CONCORDE AUTO MGMT SER on XXXX XXXX XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CONCORDE AUTO MGMT SER charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CONCORDE AUTO MGMT SER- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account XXXX XXXX  with XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection Bureau. `` send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off CLOSED account. I would greatly appreciate all your help. Please provide Auction receipt of vehicle that was repossessed, requesting payment insurance, Gap insurance gave me notice of a refund pay off of the debt with CONCORDE AUTO MGMT SER which is paid off through auction/ debt buyer. I demand deletion of this repossession history off my credit report which I did not give you consent to report or share which is violation of privacy act of 1974.\n\nA collection/charge off is considered a Certificate of indebtedness, CONCORDE AUTO MGMT SER Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CONCORDE AUTO MGMT SER for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX Authorized user doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CONCORDE AUTO MGMT SER and debt buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau.\n\n15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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. Remove XXXX XXXX  due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report. \n\n15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting CONCORDE AUTO MGMT SER to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account XXXX XXXX  with XXXX, and XXXX I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to Better Business Bureau XXXX \" 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. \n\n15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CONCORDE AUTO MGMT SER to delete any and all Transaction History due to the privacy act of 1934 on XXXX XXXX XXXX  with XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the Better Business Bureau XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all 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"}, "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/7557267", "source": "cfpb", "group_id": "cfpb/e3929e74e371078ab604", "variant": "clean", "length_bucket": "long", "chars": 7334, "company": "Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance", "date_received": "2023-09-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Repossession", "sub_issue_raw": "Loan balance remaining after the vehicle is repossessed and sold", "text_sha256": "e3929e74e371078ab6042505bec0bb8a46924cd2df454451bfb82d5c480250a1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The Dept of Justice sent you a clear instruction on XX/XX/2018 regarding the criminal activity and the looting of my property. A copy of this letter was sent to the Disciplinary committee and the PA Attorney general so the face of the corruption of the legal system will no longer be involved in lying in courts looting people 's property and defrauding their own clients as those criminal been find guilty in the superior Court for lying to their clients triple charge them and defraud them. CFPB was establish in order to protect customer from criminal and fraudulent activity done by Financial Institutions and Debt collection like those lying XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX and XXXX XXXX. I wonder if 13,520 people complaining about XXXX is not enough as mention during our very long phone conversation have as of today a PETITION sign by 70,266 consumer defrauded by those criminal Institutions. I expect that at list 140,000 will sign this petition and I expect to have even 200,000 people defrauded by them that will sign it. Strange all people respecting the law are defrauded by criminals protected by strange laws that must be challenge now. I will do this from now on even if will take me 50 years I am ready now. I no longer tolerate those cover-ups abuses and see my property being destroyed by criminals looters in this top secret close door act even if they got help from Public Offices establish to protect people and keep order in this Country. During the conversation you stated that CFPB needs a few thousand complains so criminal organizations like XXXX, Phelan Hallinan, XXXX and XXXX will be penalized like minim like XXXX XXXX ( {$1.00} bill ). In your site is stated that over 13,520 complaining about them was not enough to bring them a {$2.00} bill penalty. As mention during our phone conversation I have as of now a petition signed by 69,466 people and I expect to get at list 150,000 to 200,000 people signing this petition before I go public. They provide me a one page  letter describing what happened and gave me a mortgage invoice so criminal organization ca no longer lie. You stated that they should file their claims directly so I will make sure that this will happened in the next weeks. I will also instruct them how to contact you directly. A full copy of the 69466 petition I will bring to DOJ, Dept. of Commerce Federal Reserve SEC, PA Banking Department, Attorney General of PA and USA and your Institution in Washington DC. I am a person determined to protect my property legally not criminal like those looters that vandalize, and destroyed it intentionally. I will never stop until I get back my property for which I do not have any mortgage or financial obligation. A property foreclosed illegal and criminal in a top secret close door by XXXX XXXX XXXX  and looted by this Law Firm Phelan Hallinan only because my name is on the DEED. They also had the impertinence to mention that even if I do not have any mortgage or financial obligation under the Mortgage Note I was looted because of my name on the DEED and put this in writing for which I thank them since they will not understand the legal implication. Their Constitution and Bill of Rights protected property in many ways The Founders were worried that Congress might use the tax system to loot property owners in some states for the advantage of other states. Accordingly, they required that direct taxes ( mostly importantly property and income taxes ) be apportioned among the states ( Article I, Section 2, Clause 3 and Article I, Section 9, Clause 4 ). They also required that indirect taxes, such as import duties, be levied uniformly ( I-8-1 and I-9-6 ). When it became clear that the ban on ex post facto laws was not broad enough to protect property, they partially plugged the gap with the Fifth Amendment, which ( 1 ) prevented any person from being be deprived of his property, without due process of laws and ( 2 ) required compensation when a property [ was ] taken for public use. They added a section ( Article I, Section 10 ) with several provisions protecting financial assets against state governments. They granted the federal courts jurisdiction over interstate land claims and interstate debts to limit the extent to which state courts could discriminate against the property rights of out-of-staters ( III-2-1 and III-2-2 ). They added the Eighth Amendment, which barred excessive fines. With the letter of this lair representing Law Firm Phelan Hallinan I will challenge even the above mention ownership law protected under the Constitution since is a liability to own a property in PA that can be looted, vandalize, destroyed by criminals only because your name is on PA Deed. Even if you do not have any financial obligation under a Mortgage Note your guilt is your name on the DEED only a looter specialist from Phelan Hallinan can invent this garbage. For this letter I will say Thank you to this looting expert Law Firm Phelan Hallinan since I will use it in order to challenge the ownership law of our country. I will explain below how", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2954143", "source": "cfpb", "group_id": "cfpb/922195aa0ce1a516f8fd", "variant": "clean", "length_bucket": "long", "chars": 5082, "company": "Phelan Hallinan Diamond & Jones, PC", "date_received": "2018-07-05", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "922195aa0ce1a516f8fd73aca6cbbf5c0e0da1625957a8a876411057fabb851f", "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 started an account with Chase bank. I opened the account at my local branch. I received my debit card in the mail and believed everything was fine. I attempted to use my debit card on Sunday XX/XX/XXXX, and received a message from the atm that the transaction could not be processed. I went back to the local branch that Monday and discovered that the account was being closed per the bank 's decision. The banker contacted the corporate office and was told no reason could be provided. The banker provided me the number he called so that I could get additional information. \nI called Chase at XXXX XXXX XXXX XXXX and was placed on hold about 45 to 50 mins. I had a 30 minute conversation with the representative about how he could not release the reason I was denied a checking account. I asked my fiance to speak with him and explain it to her. He also advised her both Chase, and a customer can terminate banking a relationship at will. No explanation is needed. The funds would be returned via check to the mailing address after they verify where the funds in the account came from. There may be some conditions that need to be met to receive the money back. My fiance asked how is it possible that the bank is able to close the account and hold the money as ransom until I perform their required actions? He confirmed the statement that conditions may have to be met before the money is released. I requested to speak with a supervisor. After being on hold for an additional ten minutes, the operator stated he could no longer hear me and hung up the phone. \nWe called back again and spoke to XXXX. She confirmed the same thing. In addition, she advised that Chase had notated the account to never offer me a checking account and never do business with me. If I join my fiance 's Chase business account, then her account will be restricted also. She advised that once the account was formally closed, then a check should be issued and mailed to my mailing address if there was no issues. She did not see any issues at the time but if there was a condition I would be notified. I have no idea why they would take this position. This is my first checking account ever with any bank. I don't have any negative XXXX XXXX  records. I only have one credit card that I opened recently. There was nothing I could do but wait and see if they would issue the check readily according to XXXX. \nI called to check status on XX/XX/XXXX. The representative I spoke to on XX/XX/XXXX told me I have to prove I have a business to obtain my funds given to me by the SBA. This is not their place. The SBA has deemed me worthy of being approved to receive a loan and has disbursed my loan proceeds to the bank of my choice. The bank I chose has decided to scrutinize me and question the legitimacy of my funds that came as a direct deposit from a government entity. How does this bank have the right to hold my money as if I submitted an application to Chase for the funds? Is it appropriate for the bank to add another level of screening for money that was promised by Congress to be given in a timely manner to assist businesses and families? \nWent to bank at XXXX with my fiance. Met with XXXX. XXXX was the one who opened the account and didnt understand why Chase was doing what they were doing.He immediately called the chase number to find out why the account was shutdown. He was on hold for 1.5hours before someone came on the line and as soon as XXXX picked up, the call was disconnected. XXXX offered to call back and allowed us to leave. He advised he would call us when the follow-up call was over. We went back to the bank at XXXX to follow-up. Chase fraud dept told XXXX there has been some fraud with bank accounts and the sba. I asked why did I have to show that I was in business if the sba is the one who originated the loan. Wouldnt the sba have the right to recall the loan and enforce punishment if I didnt meet the requirements? Why is Chase making me qualify for money that I was already approved for? Neither XXXX or the fraud department could answer these questions. They continued to request proof of the business, saying a business loan usually does not go to a personal account. It was also stated that most businesses have an ein. I advised I am a XXXX XXXX and that I file taxes using the 1040 form. Reluctantly, I supplied a copy of my 1040, my sba approval, and my XXXX  paperwork. \nXXXX The teller XXXX called and said there was nothing further he could do. I would have to call Chase fraud department again and ask to speak with them to find out the next requirement. I called again and held for 1.5 hours and spoke to a woman for a short time explaining that I needed to provide a letter from an attorney or cpa sproving I have a XXXX. I had my fiance talk to them so they can explain the exact wording because I didnt understand. As my finance asked what was wrong with the previous paperwork, the Chase operator stated it had information that was handwritten. She advised that none of the paperwork was handwritten and that their CHase rep XXXX wrote on it to identify who the paperwork was for. We wrote nothing. As my fiance began to question more about what the requirements were, the Chase rep hung up. We called back again and asked directly for a supervisor. We spoke to XXXX and she told me that I did not qualify for the funds. The funds are not intended for XXXX XXXX. Chase will likely not return the funds to me. The only way I could possibly get the funds back is if I turned in a letter from a cpa that I have a XXXX  and since I do not, then I wont get the money. Asked her to explain this to an attorney. I give my permission for her to speak to a third party on my behalf. She said no. I said I did not retain him and that I asked the attorney to speak to them so that I may understand what I need to get the funds. She said no and kept asking me if she was speaking to me. I didnt understand why she asked me that several times. Then as I continued to ask questions and ask her to speak with my attorney associate, she hung up. No explanation. I attached the SBA requirements to this complaint. I retrieved them from the SBA website.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3748274", "source": "cfpb", "group_id": "cfpb/e67e006990df486edca4", "variant": "clean", "length_bucket": "long", "chars": 6189, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-07-16", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Funds not received from closed account", "text_sha256": "e67e006990df486edca439c0bc5bd422dcc734ad60efd759b6fe5c64a10b14d1", "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 deep concern regarding the permanent limitation placed on my PayPal account. I believe this decision was made in error and I would like to appeal the restriction imposed on my account. \n\nFirstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always conducted my transactions in accordance with the guidelines outlined by PayPal. Therefore, I am confused and disappointed by the sudden limitation imposed on my account. \n\nI kindly request PayPal to re-investigate my case thoroughly. I believe there has been a mistake or misunderstanding that has led to this limitation. I am confident that a closer examination of my account activity will reveal that there are no grounds for this permanent limitation. \n\nI understand the importance of upholding the integrity of PayPal 's platform, and I fully support efforts to maintain a secure and trustworthy environment for all users. However, I firmly believe that in my case, an unjust limitation has been placed on my account. I kindly request PayPal to review the evidence and reconsider their decision. \n\nPlease take into consideration that my PayPal account is an essential tool for my online financial transactions, and the permanent limitation has greatly disrupted my ability to conduct business effectively. Therefore, I kindly request PayPal to expedite the re-evaluation of my case and, if possible, restore my account to its normal functioning. \n\nFor further correspondence, please reach me at XXXX. I sincerely hope that PayPal will carefully re-evaluate my case and take the necessary steps to rectify this situation promptly.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7179178", "source": "cfpb", "group_id": "cfpb/60b9e6bd3b2802572c7f", "variant": "clean", "length_bucket": "medium", "chars": 1642, "company": "Paypal Holdings, Inc", "date_received": "2023-06-28", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "60b9e6bd3b2802572c7f1901e20f38912bf22ef2d7521ff0af788099e5346478", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I closed on a mortgage on XX/XX/XXXX. I was told my mortgage would be {$1400.00}. I continued to pay that amount until XX/XX/XXXX, when they decided to up my mortgage by {$200.00} for no reason. At that point, no new property tax amount had been recalculated. They used their own vendor to decide what they thought my property taxes would be and upped my payment by {$200.00}. At closing, I paid {$1100.00} toward property taxes. For all of XXXX, other than the amount I paid at closing, the mortgage company continued to collect the amount from the mortgage but never paid the town. I paid the additional {$200.00} for many months, all the while asking for updates from the company. I am attaching chat screenshots. This does not include the multiple phone calls I have made to the company. For the first {$200.00} increase, they stated my property taxes for XXXX would be {$710000.00}. You can see attached here emails from my town and invoices showing that my taxes for XXXX were, in fact, {$4900.00}. The fact that they make up numbers and then adjust my payment based on false information is crazy. They then give tons of trouble adjusting, especially over the phone. They have stated your taxes are this amount, and before I was able to confirm with the town, this caused extreme stress. Even after hearing from the town, this has been such a stressful process that is so unnecessary when life is already hard for people. Especially in an inflationary time where prices for everything are so much higher. Multiple people have been very rude to me on the phone. I have worked in customer service for many years, so I am always conscious of that and try to be nice to anyone I speak to. I know there are tons of people who are nasty, and I myself have had to deal with many in my job. At a certain point, though, when no one cares, they are rude, you are lied to, and they do nothing to help you, you just have enough. Eventually, they adjusted the payment, and it was wrong again. I checked in chat with them because it did not make sense to go below what was established at closing. You can see in the chat that I questioned them on it, as I did not want to end up in a bad situation yet again. They confirmed it was correct. Payment went to {$1100.00} and stayed that way from XXXX XXXX XXXX. In XXXX, it went up to {$1500.00}. I did not say anything, as this made more sense than the {$1100.00} figure. It remained this amount until XX/XX/XXXX. Then, as of XXXX, they upped it to {$2600.00}. An amount I can not afford. This is an additional {$1100.00} a month. You can't just do this to people. What is the point of getting a mortgage and owning a home if this can happen? I have a fixed-rate mortgage as well. All the while all this is going on, they never reissued the escrow payment that I am owed. Between paying more than I needed, especially in XX/XX/XXXX, where I overpaid to avoid late fees, I hoped this would be resolved by the time the next month came along. ( Here we are not resolved. ) I tell them all this, and they threaten a late fee and say they will not push the due date. They tell me over and over again they will reissue the check and will email me with an update on its status, but they never do. They have my escrow in the negative and are overcharging for it ; meanwhile, they have the money they owe me that more than covers the escrow shortgae and they owe me some. No one at this company has made this process easy. Since day one of closing with them, I have regretted the decision to use them. It is abuse and has caused so much distress financially for me. I want the money I am owed back. I want whatever needs to be applied to the escrow balance to be adjusted, and the rest to go to me in cash. I want this over with, and I want them watched so that this does not happen again. They can not make up property taxes, and they need to pay my property taxes on time. They can not charge me a late fee for XXXX since I have not paid this ridiculous amount since I do not owe it. I can not afford this, either financially or emotionally. I am very tired of this, and I need help dealing with them so this can be 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/6809706", "source": "cfpb", "group_id": "cfpb/0a041d1b54518d33b8f4", "variant": "clean", "length_bucket": "long", "chars": 4157, "company": "CrossCountry Mortgage LLC", "date_received": "2023-04-07", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "0a041d1b54518d33b8f403d912c61135dd767db4300e7508551dcf2c0ed4249f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "THIRD REQUEST IN RESPONSE TO COMPLAINT XXXX - Dear PORTFOLIO RECOVERY ASSOCIATES, CREDIT CARD STATEMENTS ARE NOT PROOF OF DEBT OWNED. I am writing again in response to a recent letter from your office claiming that I owe {$21000.00} to Portfolio Recovery Associates, with reference number XXXX. I am disputing this debt and requesting validation based on the following facts, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Pursuant to the FDCPA, I would like the following provided : - The Name and Address of the Original and Current Creditor - The Purchase Agreement showing my Name and Signature The original Contract between myself and the creditor showing breach of contract including my signature Signed Agreement debtor has made with Debt Collector, or verifiable proof debtor has a Contractual obligation to pay debt collector -Verification of the Debt Amount that YOU are seeking to collect SHOWING that a CONTRACT exists create the amount that YOU CLAIM is OWED -All the assignments SHOWING the debt transfer from the ORIGINAL creditor to the CURRENT creditor- Please provide me with PROOF that the debt was SECURITIZED by the ORIGINAL creditor -Please show the ASSIGNMENTS of the debt from the ORIGINAL creditor to the SECURED TRUST and then back to the ORIGINAL creditor Was this Debt assigned to a debt collector or purchased? XXXX XXXX from XXXX collector XXXX XXXX was Purchased In the results of your investigation and subsequent reinvestigation, you stated in writing that you \" verified '' that these items are being \" reported correctly ''? Who verified these accounts? As of XX/XX/year> you have NOT provided me with a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION XXXX ( A ) ( XXXX ) ( A ) & SECTION XXXX ( A ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under SECTION XXXX ( A ) ( XXXX ). PLEASE BE ADVISED THAT UNDER SECTION XXXX ( XXXX ) ( A ) of FCRA, you are required to \" PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION XXXX & XXXX ) If you fail to comply with XXXX law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX is blatantly lying about sending me requested documentation on or about semester XXXX. I have not received any information from XXXX and XXXX and was treated very poorly and rudely from their customer service reps via phone, who stated that they will not waste their time with me. Thank you for your immediate cooperation, 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/10526434", "source": "cfpb", "group_id": "cfpb/e19b3b25d7ccdec4cd78", "variant": "clean", "length_bucket": "medium", "chars": 2740, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2024-10-21", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened to arrest you or take you to jail if you do not pay", "text_sha256": "e19b3b25d7ccdec4cd7803542b60fe74345454da68e4a3486c7f33649b01709c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Our mortgage was on forbearance due to COVID. It ended XX/XX/2021. I started working with a Home Preservation Specialist in XX/XX/2021 to bring the loan current. I made my XX/XX/2021 payment ... and I made a XX/XX/2021 payment. At that point, I spoke to the Home Preservation Specialist again and he said that because we were in the process of a partial claim, that I did not need to make the XXXX payment, as payments were to start in XX/XX/2021. He said the payment that I made for XXXX would just go toward my XXXX payment and advised that I not make a payment in XXXX. In XXXX, he randomly called me with an update on my partial claim. I asked him at that point if he could give me the exact amount of my payment, as I could not see anything recent when I logged into my Wells Fargo account. He told me my payment, and I was about {$40.00} off from the payment I had made. He offered to take that payment over the phone... but then he asked me if I also wanted him to collect the XXXX payment. I was confused and reminded him how he told me not to pay in XXXX... he looked at his notes and agreed he told me that, but he said that the settlement department took the payment I had made and added it to the previous balance. He admitted it was different from what he told me, and said there was nothing he could do. He opened a case with the Executive Office on my behalf. I hadn't heard after a bit of time, so I reached out to him and he gave me the phone number. I got the run around multiple times before I was finally given the name of my Case Specialist. We spoke a few times, she had to extend the date twice, which spanned over 2 months. I stressed multiple times that I really wanted this to be worked fast, prior to the partial claim getting finalized ; however, that didn't happen. She called me last week around XXXX to let me know that she had done everything she could, but the settlement department would not change anything. She said that the Home Preservation Specialist did say that he told me the wrong information, and that she had followed up with his manager who said they would provide him with additional training. In the end, she told me there was nothing they would do to resolve the issue. This is extra frustrating. This Home Preservation Specialist -never- gave me correct information. He told me to skip a payment, that steered me wrong. He also gave me the wrong payment information- he told me that the partial claim would bring me current on escrow and he gave me the lower payment, but the Case Specialist said that was not accurate and I owed the higher amount. He provided horrible customer service. He was supposed to be the person who was guiding me through this process ; the source of truth. He gave me wrong information. I'm not even asking for a refund or a credit... I am simply asking for the amount that I paid to be put towards the current balance, not the previous balance ... because as of now, it looks as if I am behind a payment. I do not want this affecting my negatively on my credit or for future mortgage payments. It is not fair that -everyone- at Wells Fargo agrees that I was given the wrong information, yet they are not willing to help resolve it. In the end, Wells Fargo will receive the money from me, whether it's now, in 5 days, 5 months, or 30 years. But to me, I don't have two payments to make at once at this point. I do not feel I am asking for anything ridiculous... just asking for the information that was told to me to be the accurate information that is carried out. I spoke to the Case Specialist last week for over an hour and really got nowhere. She agreed with everything I said and basically said that she couldn't get anyone else to budge. She had already closed my case before she had even talked to me, as she was calling to let me know that she sent a letter overnight ... How do you close a case before you talk to the customer? She said she would open a new case. I called the next morning to see if I could get the new case number. That representative explained the new case number was not generated yet. I explained I wanted to speak to a supervisor, as I had already been waiting 2 months for a decision and I didn't want to wait another 2 months. The representative told me that this was a good thing that a new case was opened, as I would be given a new Case Specialist who would re-review the case to make sure everything was done appropriately. He also asked for a supervisor to call me. That was last Friday. I got a call today, Monday, around XXXX, from a new Case Specialist, literally calling to tell me \" we are not changing our decision, sorry. '' Again, that is unacceptable. I was told the case would be re-reviewed. It took the first Case Specialist two months. I asked him what was done, he told me he read the notes and they would not be changing the decision. He read the notes? How is that re-reviewing the case? How is that helping the customer? It isn't even like the Home Preservation Specialist is denying what was said or done... so what is the problem? Why can't Wells Fargo stand by their employees actions? Why is it the customer that is having to deal with the misinformation? I asked to speak to a supervisor and am waiting for a callback. I specifically asked for the case to not be closed and he said he couldn't promise me that. I work in customer service, and we don't ever close a ticket from acustomer until it is resolved. This was handled poorly from the beginning. This isn't a way to treat a customer. I need help. I can't afford two mortgage payments at this point. I did nothing wrong. I did everything I was told to do from the Wells Fargo Home Preservation Specialist. a", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5296359", "source": "cfpb", "group_id": "cfpb/20c110426f380249fa77", "variant": "clean", "length_bucket": "long", "chars": 5701, "company": "WELLS FARGO & COMPANY", "date_received": "2022-03-08", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "20c110426f380249fa77ce39b28546a0c7a7242034195b620bfbed904b1e23e5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I planned on selling my vehicle on the week of XX/XX/XXXX. I shopped around and received different quotes from local dealerships. XXXX XXXX at XXXX offered the highest trade in value. When they ran my payoff account, it was {$24000.00} if paid by XXXX XXXX. I sold my vehicle on XXXX XXXX. Suddenly the payoff amount changed to {$25000.00}. I called Toyota Financial and the lady said that the payoff amount increased to include next months bill. Why would you post a due date for a payoff amount and then change the payoff amount before the previous payoffs due date? The dealership said that they have to follow the new payoff amount but the TFS representative assured me that I would only be charged the {$24000.00} amount because I am paying before the XXXX XXXX due date. The dealership submitted the payoff amount of {$25000.00} on XX/XX/XXXX and I noticed on TFS website it only shows that {$24000.00} posted. I called and TFS is claiming thats the amount the dealership submitted but the dealership is claiming that they were only allowed to submit amount of {$25000.00} and TFS is supposed to write me a check for the overpayment. Its been almost 2 months and TFS has yet to send me a check for the overpayment of {$350.00}", "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": "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/7906480", "source": "cfpb", "group_id": "cfpb/d624cb8f883ce0c4ad50", "variant": "clean", "length_bucket": "medium", "chars": 1232, "company": "TOYOTA MOTOR CREDIT CORPORATION", "date_received": "2023-11-27", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with fees charged", "text_sha256": "d624cb8f883ce0c4ad5050a8292de16c365d4c74bcd1a3cf6bbdbbb3956b6e74", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My loan was with XXXX Mortgage from XX/XX/2020 until XX/XX/2020. The loan was sold to Nationstar Mortgage effective XX/XX/2020 XXXX paid {$29.00} interest on my escrow account and reported the same to the IRS on a 1099 form. Nationstar Mortgage paid {$5.00} interest on my escrow account, however reported {$35.00} to the IRS on a 1099 form. THIS IS A MISTAKE AS THEY REPORTED WHAT THEY DID NOT PAY. As a result the interest I made on this escrow account has been falsely reported to the IRS, therefore it will screw up my tax return!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4094597", "source": "cfpb", "group_id": "cfpb/1425d9ec548746e32c54", "variant": "clean", "length_bucket": "short", "chars": 534, "company": "Mr. Cooper Group Inc.", "date_received": "2021-01-26", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "1425d9ec548746e32c549060cd5520cb47094e3eaf2b783c14186e9175f7b42a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "SLS responded without answering the question and continues to deflect by asking for information that is already provided. It is a business ploy hoping the consumer will give up. I have all the time in the world to make sure a company does not misrepresent my account. Here is the last line of the latest SLS response : If your records differ, please forward payment documentation, such as complete, unedited bank statements reflecting any disputed payment, for additional research. \n\nThe attachments were provided in a letter to the company on XX/XX/2019 and attached to complaints. The company is using circular logic where they answer without responding to the question, hoping the Consumer will give up. I have all the time in the world when it comes to a company trying to misrepresent my account. \n\nFor the 3rd time, the attachments show no payment due. SLS is avoiding the issue by not reading the receipts already attached in complaint # XXXX and in a letter to the company dated XX/XX/2019. Let 's see if they acknowledge the receipts attached and admit there was no payment due for those months as stated in the receipts. I continue to honor my responsibility by paying each month, but SLS does not honor its ' accounting. If SLS notes there is not payment due ( see receipts attached with this complaint, in complaint # XXXX, and in a letter to the company dated XX/XX/2019 ), then there is no payment due for that month. \n\nThis is not the 1st time SLS has tried this tactic and then had to admit their error. See complaint # XXXX. Are they cheating Consumers? Does it matter that this company continues this practice? Your organization needs to escalate this to the appropriate Regulator. \n\nJust because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage 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": "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/3246819", "source": "cfpb", "group_id": "cfpb/890e50605546e30f596b", "variant": "clean", "length_bucket": "medium", "chars": 1898, "company": "Specialized Loan Servicing Holdings LLC", "date_received": "2019-05-18", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "890e50605546e30f596b8015f6850da275177b818a871483a592bade3c15cbaa", "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 dispute a fraudulent charge on my account in the amount of {$9700.00}. \nI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. \nIn accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. \nI would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. \n\n-- CLOSED ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not 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": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4150540", "source": "cfpb", "group_id": "cfpb/4943be962b2c47bb5598", "variant": "clean", "length_bucket": "medium", "chars": 1292, "company": "EQUIFAX, INC.", "date_received": "2021-02-18", "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": "4943be962b2c47bb5598bf4338afc0d90879a0a4d6ee5aa456294e9179c5d46c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to 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"}}, "_meta": {"id": "cfpb/2325790", "source": "cfpb", "group_id": "cfpb/360cd998337db347566e", "variant": "clean", "length_bucket": "medium", "chars": 1706, "company": "Navient Solutions, LLC.", "date_received": "2017-02-03", "product_raw": "Student loan", "issue_raw": "Can't repay my loan", "sub_issue_raw": "Can't get flexible payment options", "text_sha256": "360cd998337db347566e22c7753ce79aea71aacc34843ed9fb111f9f3fc26e6f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been attempting to apply for the PSLF program since XX/XX/XXXX. First with XXXX XXXX who kept kicking my application back for various reasons. When they closed, my loans were transferred to XXXX XXXX. They referred me to MOHELA for all of my PSLF needs. I am an employee of the state of Texas. I flat out qualify for their program. \n\nThe issues are as follows : XX/XX/XXXX - application received, processed. Indicated that a notice had been sent, but this was not true. I was required to reapply for PSLF as MOHELA stated that I had an outstanding loan consolidation application and instructed me to contact XXXX. XXXX XXXX  had incorrectly told me to reapply for loan consolidation. XXXX indicated that I did not have any outstanding applications and let me know that they had closed the application and canceled it as my loans have been consolidated since XXXX. I had to reapply to the PSLF program and they said that it would be assigned for review. Never got an update. \n\nXX/XX/XXXX, application received, processed. Indicated that a notice had been sent, but this was not true. My application was again kicked back due to this unprocessed consolidation application that does not exist. I had to apply for another review/appeal and resubmit my application. At that time, the support staff told me that my application looked perfect and that there should be no reason that it was denied again. \n\nXX/XX/XXXX - I contacted MOHELA as I had not heard anything regarding my previous appeal. I spoke with two representatives that day. My application was once again on hold due to the nonexistent loan consolidation application. At this point, I had not received a single letter or email from MOHELA regarding ANY of my applications. Per the support staff, there were no notes on my account related to the previous review or application and there was no documentation in my activity section. I was told that there is no formal notice indicating anything until your loans are fully transferred to MOHELA. When you apply for PSLF, your loans are automatically transferred to MOHELA. ( This is not true ) She stated that I would get notification of approval or denial when that happens. Once they look at your loans, they process the application. My application was submitted for supervisor review. But it was indicated that they could not provide me with any sort of reference number or proof that my case was being reviewed and she would not provide me with a name or ID of the person reportedly conducting the review. It was stated that a supervisor had to manually request my loan transfer. She indicated that I would be contacted by someone, in some capacity in 7-14 days. This never happened. I was also told to resubmit a portion of my application because there could be potential issues. This was immediately closed as a duplicate application. \n\nXX/XX/XXXX - I signed in to look at the status. It shows that the loan consolidation application is STILL pending. I contacted XXXX and it literally does not exist in their system. They do not understand why MOHELA has this in their system. StudentAid.gov has no open or pending applications or cases for me. My loans have been and are still consolidated. Currently, my PSLF application is on hold due to the consolidation application. They keep saying that I applied for loan consolidation and that my loans were not financed within 60 days. I have no idea what this means. They are also saying that they are in the middle of trying to verify my employment. My application was signed TWICE by an HR manager in my agency. I do not know what else they want. My calls disconnected three times and not a single person called me back even though they ask if they can and verify your phone number. I am on hold for the second time today. I have been on THIS call for an hour. I am unable to speak to a supervisor or anyone that can explain anything to me. \n\nI have been attempting to apply for PSLF for over a year now. XXXX XXXX gave up on everything once they decided not to renew their contracts and now all of the work is being piled on MOHELA. Every single time I call, I get a different answer to my questions, no one knows what is going on and they literally have misinformation posted on their website. I applied before the XX/XX/XXXX deadline to have ALL payments reviewed and counted, including some periods of forbearance counted. None of this has happened. MOHELA will not communicate with consumers or process applications or update their website, but they want us to pay them for our loans. This entire experience has been unacceptable. I am concerned about future dealings with 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": "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/6953520", "source": "cfpb", "group_id": "cfpb/b804a580905582df95ce", "variant": "clean", "length_bucket": "long", "chars": 4655, "company": "MOHELA", "date_received": "2023-05-09", "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": "b804a580905582df95ceaa825b525fb6dbfe8acf657e244ea57f755e1c6a8164", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am trying to link my PNC account to XXXX to round up my transactions for investing. PNC will not allow this for some reason. I have no issues linking my XXXX account to XXXX, and I think PNC needs to approve this investment tool.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3727373", "source": "cfpb", "group_id": "cfpb/d69744130dad49eebe06", "variant": "clean", "length_bucket": "short", "chars": 231, "company": "PNC Bank N.A.", "date_received": "2020-07-02", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Problem adding money", "sub_issue_raw": "", "text_sha256": "d69744130dad49eebe06b1f547b2b179defd354f86a6db41f066dafe1de70d12", "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 complain about Synchrony Bank, the issuer of XXXX XXXX XXXX   MasterCard Credit Card, the company 's recent unethical Cash Reward practice has unfairly treated customers like me and also ruined my credit record. \n\nI have had this credit card since XXXX, the credit card has a cash reward program for purchases not just in XXXX XXXX XXXX.stores. in the past, the company mailed out a cash back check in XXXX each year. I had no problem receiving the check even after I stopped renewing my XXXX XXXX XXXX membership back in XXXX. In XX/XX/XXXX, the cash back check did not arrive, instead, I suddenly received an email on XX/XX/XXXX from Synchrony Bank that this year 's cash back reward will automatically be loaded onto my XXXX XXXX XXXX membership account and I will need to redeem my cash back rewards at the store ( see the attached image ). I called the Customer Service and also spoke to a manager. I explained that I do not have XXXX XXXX XXXX membership anymore. I offered that I can pay off my remaining balance and closed my card after my {$150.00} or so Cash Back points are applied as statement credit. The manager refused and she said that I would need to go back to renew my XXXX XXXX XXXX membership in order to get my cash back reward. I protested that I had never been given any notice of this sudden change and I had been advised in the past by their customer service people that I was still allowed to use this card without my XXXX XXXX XXXX membership. The manager even told me that it costs only XXXX dollars to renew the club membership, in return I got XXXX dollars cash back rewards. the math makes sense indeed, however it prompted me to believe the bank did this to help XXXX XXXX XXXX increase its sales revenue while many customers like myself could end up losing my cash back rewards and the bank benefited from the customers ' loss. I called the bank the next day again, I told the customer service woman ( she sounds like someone located in XXXX ) that I would like to request a hold on my card and would also like to dispute all my charges on my Credit Card based on the fact that I was misled and the bank failed to inform me properly. I made it clear that it would be my last bill and I would like to speak to the bank further to resolve our differences before I pay my last bill. the woman heisted but eventually agreed to log in a dispute case for me. However, the bank never contacted me regarding my dispute, days later, I received my bill statement with an added late fee and financial charges. I called the customer service again and made it clear that I would not make any more payment until our differences are resolved. A different customer service rep reiterated that the only way to get my cash back reward is to renew my XXXX XXXX membership. But she promised to ask someone to contact me later and she also advised that I could lose my cash back rewards if I close my account. \nBut No one has contacted me in the following weeks. \nOn XX/XX/XXXX, I received their email informing me that I have missed my payment and I was asked me to contact them again, I called and I heard from the message that my account has been closed and no payment is dueetc Days later, I started to receive collections call aggressively pushing me to make payments and also threatened to keep adding late fees and financial charges.. \nIn one of the conversations I had with the collection agents, I understood that they did not find any record in the system that I filed a dispute case. The customer service woman did not log in my dispute case in their computer system. I also understood from them that they actually knew that I stopped renewing my XXXX XXXX member back in XXXX, but they continued to allow me to use the card and continue to issue me cash back checks in Year XXXX and XXXX until they suddenly changed their cash back reward program in early XXXX It became clear to me the bank did this with an incentive to benefit the bank itself and its partner by forcing some cardholders to forfeit the cash back points. If a XXXX XXXX membership is a requirement for the cash rewards program, they should have informed customers like me that I am no longer eligible for the cash reward program. They could have either deactivated my credit card or made it clear on my monthly statement that I did not receive any cash back points. But my monthly statement kept showing the cash back points I earned for the past year. \n\nAll the evidences support my belief that the bank is unethical in its business practice and has unfairly treated the consumers. The companys customer service rep is also irresponsible and poorly managed. The company also closed my account in such a short time period ( about one more also ) and enforced collection on a customer who had never been late on any payment in the past years. They did this with a reason that needs to be looked into to make sure the bank complies with the law protecting consumers rights", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3235578", "source": "cfpb", "group_id": "cfpb/0f018de4238fecdaa514", "variant": "clean", "length_bucket": "long", "chars": 4979, "company": "SYNCHRONY FINANCIAL", "date_received": "2019-05-08", "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": "0f018de4238fecdaa5143a4f95eaf114cfe8909b5661596a381a293c38e833ad", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX - original foreclosure sheriff sale date *Moratorium* XX/XX/XXXX - rescheduled sheriff sale date Personal attempts to prepare house for sale for full market value Multiple conversations & emails with bank to keep them apprised of my intentions Delays due to COVID, personal XXXX ( XXXX surgeries ) and now XXXX XXXX XX/XX/XXXX - call to XXXX XXXX , Provident bank Foreclosure Specialist Spoke in detail about XXXX XXXX damage and next steps He confirmed I could apply for an extension of the sheriff sale to provide time for repairs needed to properly list home XXXX referred me to escrow Dept regarding flood insurance forced plan that Provident secured I was transferred to several people and was finally assigned a contact by the name of XXXX XXXX to file the claim on my behalf. \nXXXX has made it clear after several requests for her to file a claim on my behalf that it would be at the will of Provident bank to determine how and when a claim would be filed and how and when subsequent repairs would be handled. \nXXXX refused to disclose the name of the insurance carrier and the policy number. XXXX also stated that XXXX is the insured. \n*Note : as homeowner and name on deed, my name must be on all policies as is the name of the institution ( s ) holding liens on the property, which is currently only XXXX XXXX and Provident Bank, respectively Simultaneously, I filed a claim with both my homewoners & my automobile insurances regarding the damages. I also submitted a claim with FEMA as soon as my town was added to the list for the State of Emergency declaration. \nI began removal of all items in preparation for appraisers and adjustors to assess the damages ( I had 4.5 feet of water submerging all appliances and all contents of the basement - pictures available upon request ) XXXX arrived to our neighborhood to pump water out of all the gas lines to each home and subsequently deemed ALL gas and electric appliances as \" violations '' due to the extensive water exposure. This mandates all appliances must be replaced. \nI received quotes for my water heater and boiler to be replaced by XXXX and I mitigated any moisture by opening all windows, back door, installing a floor fan and a dehumidifier. Due to the inevitable exposure to moisture, mold was a continued concern so I have had my back door open for six weeks ... And continuing, which is exposing my home to the possibility of other issues, including theft or vermin. \n\nThe basement is now empty of contents except for the three attached items required to be replaced by a licensed contractor ( boiler, water heater and toilet ) Due to the extent of the water damage, there are two wooden/sheetrock enclosures ( one for a bathroom and one for a storage room ) that need to be removed. There is visible mold on the floor and on the walls- I mitigated it as best as I could based on research through FEMA and OEM. \n\nObviously, I am concerned about the exposure to mold for me and my family. \nI am also now 6 weeks without hot water or heat ( and the temperatures are steadily dropping ). \n\nI can not properly list my house, as no buyer would be able to receive a C.O.O. \n\nAfter escalating the issue to XXXX XXXX direct supervisor, I received a call within 5 days from a 3rd party appraiser to schedule a walk-through for damage assessment. \nThis walk-through took place on XXXX ; the appraiser advised that his report will be filed within 7 days to the insurance company. \nI requested ID from XXXX as he arrived for the appointment and he presented to me the Certificate of Insurance. I asked permission to take a picture of this document. He agreed. Through this document I was now aware of the carrier and policy number ( XXXX - XXXX ) certificate # ( XXXX ) The policy is underwritten by XXXX XXXX, a subsidiary of Provident Bank. \nAfter a week I was able to secure contact with the agent, XXXX XXXX, XXXX is handling this claim, who has confirmed a claim number ( # XXXX ) which was just filed four weeks after the date of the storm. \nXXXX immediate followed up with XXXX, the 3rd party appraiser and the claims representative and reported back to me within 24 hours that he would be following up to ensure all documents are sent/received. Of course, it was stated & understood, due to the magnitude of this disaster, all normal response times are extended with unknown time for execution. \n\nAfter thanking XXXX For the the immediate follow-up, I reiterated my situation. As follows : I am now at a stand still * I am Living in unacceptable conditions * I can not repair the property without Insurance direction * FEMA requires a denial letter from the insurance plan for the \" contents loss '' as they are not covered under the forced plan * House is currently unsellable/unlivable die to the lack of proper amenities * Extension for the sheriff sale date will expire and I will not be able to have the house listed before then due to these circumstances. \n\nI am requesting IMMEDIATE postponement of the sheriff sale in order to properly repair and list the home for market sale on XXXX. \n\nI am requesting IMMEDIATE authorization to proceed with necessary repairs and remediation to live safely in my own home AND properly list the house for market sale. \n\nThis market is optimal for selling and the turnaround will not be long before the defaulted mortgage is resolved, however, due to an unfortunate string of events, I am not able to execute the necessary steps in the current timelines. \n\nPlease advise of any information that I can provide to assist 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": "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/4812976", "source": "cfpb", "group_id": "cfpb/c5518113f2d85730a801", "variant": "clean", "length_bucket": "long", "chars": 5560, "company": "PROVIDENT FINANCIAL SERVICES, INC.", "date_received": "2021-10-15", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "c5518113f2d85730a80185a68e584cad4c1ca6884b2d2f4a4fa25929d26c4963", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am receiving calls from NAVIENT that are harassing and occur nearly every hour of the day. I must state that I have never had nor do I now have a student loan of any type in my entire life. That statement holds true for my wife as well. This ror-call will not allow me the option of talking to a representative to try and settle this harassment issue as they assume they have the right person merely by virtue of their call. This harassment has disrupted my family time, taken up space on my voice mail, and the number given XXXX will not allow me to proceed to a conversation with a live person. Again, I do ot possess a student loan. I have never even applied for a student loan. I want the phone calls to cease and desist immediately. I believe that this is a case of mistaken identity created by the shoddy investigative practices of a less than credible 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": "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/2982717", "source": "cfpb", "group_id": "cfpb/c17cb7ca5251b9509674", "variant": "clean", "length_bucket": "short", "chars": 868, "company": "Navient Solutions, LLC.", "date_received": "2018-08-06", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "c17cb7ca5251b950967475acfcbc316a9ba203ef1db435035e92638dea505131", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have never needed a cosigner for any purchase or credit cards. \n\nI borrowed thru Sallie Mae to supplement my Federal loans ; scholarships and grants. I did not need a cosigner to obtain these loans. \n\nDuring school, my interest rate was reasonable ( approx 5 % ). During school I maintained a high/excellent credit score, paying all bills on time and in full without help and without a cosigner. \n\nWhen I graduated in XX/XX/XXXX, Sallie Mae immediately increased my interest rate from +/-5 % to 11 % ( eleven percent ). This increased my expected monthly payment to XXXX. I was working full time as an XXXX, making about XXXX and I could not afford the payment. I immediately called in to ask for help with the payment and to avoid negative credit impact. \n\nI called I'm and spoke to a front line customer service agent who offered one ( 1 ) option. The option was that I add a cosigner to my account. The agent offered no escalation and did not indicate that I had ANY option outside of adding a cosigner to my account. \n\nI trusted the advice because I had no reason to believe that the agent was giving me poor advice. I had no reason to believe that I should escalate the call to a manager or higher level, better trained employee to ensure that the advice was good. \n\nThat said, I added my Mom to my private student loan account. Note that, my Federal loans worked with me so I did not have to make ANY adjustments to my Federal loans. \n\nAfter I added my cosigner, to this private loan, my interest rate dropped but only to 8 %. This did make payments more reasonable. I did use some forebearance but I began paying my monthly payment and I maintained a strong, on time payment history. \n\nI was unemployed in XX/XX/XXXX for a few months and I used all of my forebearance during this period of unemployment. At the time, my cosigner was also unemployed and I was able to FORCE my way into a reduced interest rates an that helped me to obtain a very low payment for a long period of time. Yo get access to the reduced interest rate program, I had to email random Sallie Mae employees begging for help. I found email addresses of Sallie Mae marketing employees and I begged them to help me. These employees guided me to the Office of the Customer Advocate. \nThe call center employees did not offer ANY information to me about this program. I had to desperately search for Sallie Mae staff bto get this information. \n\nAfter I retrurned to work full-time in XX/XX/XXXX, I was able to pay and my interest rate slowly stepped up to 5 %. I was able to pay on time even at the 5 % rate. Because of my on time payment history, I had the option to remove my cosigner, however I was afraid to because I did not want my interest rate to explode and make my payment amount double or triple. I have asked for a guarantee that my interest rate would remain stable and employees at Navient ( Sallie Mae ) will not confirm that my interest rate will be affordable. \n\nI am currently unemployed ( since XX/XX/XXXX ) and my cosigner is unemployed but collecting Social Security. I called Navient ( Sallie Mae ) to  see if my monthly payment of XXXX could be temporarily reduced or modified so I am able to make payments while I search for work and while I have no income. \n\nBecause I have a cosigner, Navient ( Sallie Mae ) is refusing to make any changes to or modifications to my balance due. \n\nMy cosigner is collecting Social Security and while on paper this appears to be accessible, fluid income, it is not at all an option. I am financially independent and my cosigner was added to my account ONLY to bring my interest rate under control. I added my cosigner BECAUSE Sallie Mae ( Navient ) told me to add a cosigner and this was presented to me as my only option ( as stated above, upon graduation ). \n\nMy concern is that there are tons of other barriers in this same situation. \n\nI am concerned that other borrowers obtained \" advice '' from poorly trained front line customer service staff who do not understand ( or care to understand ) the ramifications of their financial advice. I am concerned that other Borrowers are unable to speak to professional management staff who should be trained to give good, objective advice to borrowers who experience predatory interest rates upon graduation. \n\nI am concerned that other borrowers need help like me, and like me have to FORCE their way past the front line customer service agent to get in touch with a responsible employee who has better information or access to additional information that can provide a solution to a loan related problem. \n\nI am not at all hopeful that submitting a complaint will provide ANY releif for my situation, but I do believe that the fact that there are NO consequences for dipensing poor advice to Borrowed is absolutely perpetuating and facilitating the flagrantly negligent conduct that I have witnessed from front line customer service agents. The front line agent typically does not have to care and is not required to give ALL available options to the borrower. The bare minimum is provided. The bare minimum is absolutely WHY I am in a contract with a cosigner. I did NOT get objective good financial advice from tthis group.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3085424", "source": "cfpb", "group_id": "cfpb/0912fffaec213d5a84f6", "variant": "clean", "length_bucket": "long", "chars": 5207, "company": "Navient Solutions, LLC.", "date_received": "2018-11-28", "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": "0912fffaec213d5a84f66cd4d4dc7bea0372c9edad1fa5e472626de7be0a90cc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My account was credited XXXX $ and that got sent to 2 different people I was scammed into being a money mule and Ive tried to contact chase and work out what I could do and they just say they dont see anything but I get letters from J.P. Morgan and on my app saying that they are requesting the XXXX $ back I dont have and Im in the military and joined account with my dad I have all the information of the other person that I need", "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/5211234", "source": "cfpb", "group_id": "cfpb/22975dd8ca683669aa98", "variant": "clean", "length_bucket": "short", "chars": 431, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-02-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "22975dd8ca683669aa9837a08c19e62786a2af88712768eb0184a5399d5d7017", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Ive agreed to pay the alleged debt so as a consumer should, I requested Carmax to fill out the paperwork I sent requesting the name, address, contact & signature of the creditor 3 times. Yet they refused to give me that information. Instead theyve decided to no longer protect my private personal information by selling it to third party venders influencing them to steal my vehicle, causing me to lose my job and my financial stability in the process which is a violation according to 15 USC 6802 ( b ). Theyve also made derogatory statements on my credit file which have denied me access to credit cards & employment to several different jobs all within the span of 3 months which is a violation under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. 15 USC 1662 states I wasnt supposed to put down any amount unless that amount was usually & customarily arranged so being swindled by the words how much are you willing to put down was not fair by any means. Aware of the fact that no form of cash what so ever should be put towards the finance charge I was totally unaware of the fact that my {$3000.00} wouldnt show up as a payment towards my vehicle if all other charges, fees & taxes are to be paid in the finance charge. As a Consumer I made sure my request where not inconspicuous or shady by any means while Carmax has violated my consumer rights by using tactics and information that I werent told or disclosed to 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"}}, "_meta": {"id": "cfpb/7088744", "source": "cfpb", "group_id": "cfpb/f8eee1ccb9ea90c64166", "variant": "clean", "length_bucket": "medium", "chars": 1439, "company": "CarMax, Inc.", "date_received": "2023-06-08", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "f8eee1ccb9ea90c64166bfe59a86f14910937268e0a6e580c41d78543a414015", "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/XXXX at XXXX I purchased a pair of {$600.00} XXXX  XXXX ( discounted to {$180.00} pre-tax ) from XXXX using PayPal 's Pay-in-4 split pay feature, using my XXXX XXXX as the funding payment method. I placed my order and went about my day. The next day, Tuesday XX/XX/XXXX, my order shipped via XXXX. The XXXX tracking number provided was XXXX. The package was picked up by XXXX on Tuesday, XX/XX/XXXX, and was out for delivery Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX The package was delivered at XXXX XXXX on XX/XX/XXXX without any kind of signature confirmation required. I was at work all day, but I was aware that a delivery had happened. At about XXXX XXXX., an unknown person was let into the apartment building by a neighbor who was exiting for a smoke. This man went to the 5th floor via the elevator and then walked down to the 4th floor from the 5th floor, appearing to be scanning the area. for packages. He went down to the third floor, and then made his way to the second floor where I live and he located my package. On my XXXX  camera, as well as on multiple different high quality cameras that the building was kind enough to provide me with, he was caught on camera taking the package into the staircase between the second and first floor, opening the package and removing my items, and then disposing of the shipping box in the third floor trash room. He then left the building. I was not aware that a theft had occurred until I returned back home from work around XXXX XXXX that day. When I noticed that there was no package in front of my door nor in the lobby by the mailboxes, I immediately opened my XXXX  camera and looked to see if there was anything abnormal. I then found footage of the theft. I called the local police precinct to ask them what I should do and they informed me to call XXXX  and to file a police report with officers. I did so. After compiling the video footage from my own XXXX camera as well as from the building, alongside the official police report, I reached out to XXXX the same night as the theft. I spoke to somebody on the phone and explained the situation, and a claim was opened with XXXX  to investigate further steps. I was under the impression by the agent I spoke with that I would be protected by XXXX because I had not received my order and this was not my fault. I had even asked the representative what would happen if the claim was denied by XXXX  to which I was told, \" don't worry, XXXX will take care of you.. From then on, I was not too concerned. The next day, a detective from the XXXX visited my apartment while I was at work. We spoke over the phone since I was not there to answer the door for him. We discussed the events that happened and I provided him with all of the footage I received, which he then had added to my police report filing. I was informed that facial recognition is going to be run on the thief, since we had such high quality video including multiple full-face angles. I continued to not be too concerned because I was under the impression that I was protected financially for this loss by either the merchant, the payment processor or my credit card company. Later on that evening of Friday the XXXX, I received an email from XXXX informing me that the claim was rejected by XXXX due to the package showing as delivered and that XXXX was refusing to take responsibility for the stolen package. I was shocked to read this, so I reached out to PayPal where I made my purchase through knowing they had buyer protection. I explained the situation and was met with very similar verbiage that they will not be responsible for a package being stolen. I was baffled that their buyer protection policy, that specifically states if you did not receive your purchase, you will be protected and issued a refund. I was very shocked to hear that PayPal 's buyer protection did not have my back as they have advertised. I reached out to XXXX, who was the funding card for my split pay plan, and was met with the same answer. I called XXXX again and was told the same thing. I was told to continue working with law enforcement, which I am, however I am confused how buyer protection for not receiving your order does not apply to a theft that was very much not in ones control. I do not live in a single family home where someone can just walk up to a porch and walk away with a package, this thief trespassed on the property and I was not home or able to protect myself or the package from the theft. I am currently out exactly {$190.00}. The investigation is still ongoing with the XXXX for the theft, although I am less confident of a positive outcome, as I have seen the responses I received from the merchant, payment processor, and credit card company essentially blaming me for being robbed. What I am seeking is financial relief in the amount of my purchase price from some kind of consumer protection insurance clause that will protect me from this unforeseeable financial loss that was well beyond my reasonable control.", "questions": {"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/9795497", "source": "cfpb", "group_id": "cfpb/92ae82633f8f7a3fd038", "variant": "clean", "length_bucket": "long", "chars": 5024, "company": "Paypal Holdings, Inc", "date_received": "2024-08-10", "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": "92ae82633f8f7a3fd03874b0bdb1006bc54ab46d90e6f03435eb98c6cee2b256", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On the XX/XX/XXXX, I attempted to withdraw {$990.00} at a ATM machine and received a \" Decline '' error message. I immediately attempted to use the second ATM machine beside the one that gave the \" Declined '' message because I knew I had enough money in my account to cover the requested amount, but received a \" Temporary out of order message from the second machine. No money came out of either ATM machines. However, when I checked my account balance, USAA deducted {$1000.00} on each ATM unsuccessful request ( XXXX twice ). I called USAA on the XX/XX/XXXX and informed USAA of their mistake. I told them no money was received and filed an ATM dispute. Since then, I have contacted USAA more than 20 times without resolution. \nOn the XX/XX/XXXX, I received an email from USAA informing me that one of the transaction was reversed and that the amount of {$1000.00} was placed back into my account and that they regard the issue closed. My issue is that there was two deduction of {$1000.00} taken out of my account. The reverse amount does not reflect on my account balance. What USAA did was to give a credit of {$1000.00} pending the conclusion of my dispute. I need my money {$1000.00} x 2 back into my account. \nSolution : I need both amount of {$1000.00} put 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"}, "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/2801938", "source": "cfpb", "group_id": "cfpb/54fa15b2a82a20da6049", "variant": "clean", "length_bucket": "medium", "chars": 1289, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2018-02-02", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "54fa15b2a82a20da604907fd1e3b01b9514a2cf6be85688cc19f8b4b34c0fb9d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The payoff amount and interest on the car is too high. i can not refinance with anyone else because of this. the apr is 23.99 with me and my cosigner. the monthly payments and the overall value of the car is over XXXX and the car is over XXXX XXXX XXXX. everytime I call they say there is nothing they can do. i am currently on payment arrangements with them and they still charge me the monthly amount so how am I supposed to pay it down? \ni hate this company. they are overcharging me for a vehicle I can even get rid 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": "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/7111775", "source": "cfpb", "group_id": "cfpb/2704cfd16cf015cad6fa", "variant": "clean", "length_bucket": "short", "chars": 523, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2023-06-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "2704cfd16cf015cad6fa8ee7cacb3e567c0e276717a9f21294167abba0520256", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "PayPal has permanently limited my business account under the email XXXX and tells me they can not discuss the reason because it would interfere with their security systems, and as a result, I am unable to access the funds in my balance. \n\nAs per my account records, there is a balance of {$940.00} within my PayPal account. However, despite multiple reminders and attempts to rectify this issue, PayPal has withheld my funds and imposed a 180-day hold period, during which I am unable to transfer or withdraw the funds.\n\nWhile I understand that certain measures may be taken to ensure account security and adherence to company policies, I have broken XXXX policies, XXXX terms and conditions and this decision has caused significant financial hardship for me. I have made every effort to resolve this matter amicably, but it is clear that further action must be taken to ensure a fair and timely 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"}}, "_meta": {"id": "cfpb/7979283", "source": "cfpb", "group_id": "cfpb/ca862e23e88e54e5fe89", "variant": "clean", "length_bucket": "short", "chars": 907, "company": "Paypal Holdings, Inc", "date_received": "2023-12-12", "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": "ca862e23e88e54e5fe89a46968197d279dc343f80093f4541adeef9060c959df", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Reference complaint XXXX. Negative impact on credit score showing I closed an account. The Reference no is to the original complaint of not knowing about this card. The fact that I did not authorize transferring my 9.99 % account to a 25.99 % card. Which they charged me a {$41.00} fee to transfer the balance without my authorization. Predatory.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7223402", "source": "cfpb", "group_id": "cfpb/2246912d52001007415d", "variant": "clean", "length_bucket": "short", "chars": 346, "company": "Atlanticus Services Corporation", "date_received": "2023-07-08", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "2246912d52001007415d2dbc3bf96f35c45d82f36c7b537f1f3055126a6e8b4a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My HELOC loan From XXXX XXXX XXXX XXXX was transferred to a new company XXXX XXXX ( wholly owned by a company named Mr Cooper ). During that process the new company did not adequately communicate with me regarding the loan and seemed not to understand that a HELOC provides a line of credit to the borrower and was confused when I requested checks. As I am planning on making renovations to my house I decided to open a HELOC with a new provide and payoff the loan with XXXX. As you may know XXXXMr Cooper was hacked on XX/XX/XXXX and took down their systems. I have been unable to contact then to get a payoff or even check on my loan. They have not only disabled their entire online interface, but have also closed their call center, and their automated phone systems has stopped working. The company has provided no information whatsoever regarding the nature of the attack and has provided no guidance or information as to when systems will be restored. This is simply 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": "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/7808127", "source": "cfpb", "group_id": "cfpb/2d98190df0ffa51e33b6", "variant": "clean", "length_bucket": "short", "chars": 986, "company": "Mr. Cooper Group Inc.", "date_received": "2023-11-06", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Trying to communicate with the company to fix an issue while managing or servicing your loan", "text_sha256": "2d98190df0ffa51e33b684de63f606dd130918c765913845cce673c26850cbc6", "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 the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont 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": "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/2901519", "source": "cfpb", "group_id": "cfpb/a5f361f89418a667fbe2", "variant": "clean", "length_bucket": "short", "chars": 794, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2018-05-09", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "a5f361f89418a667fbe2fbc9e7930848c642a54a6782519621dfdd33e4ab3307", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the \" rigging '' of the XXXX 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": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/1386154", "source": "cfpb", "group_id": "cfpb/e743b0196987010ab39a", "variant": "clean", "length_bucket": "short", "chars": 786, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2015-05-20", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "e743b0196987010ab39a732ec36c500b1cb98363925a95c92ec228bfd56cc4b1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Credit Card company is USAA My primary Bank is XXXX XXXX Used my XXXX XXXX online Bill Pay to make payment to USAA. I have used this system many times to pay this bill and has never been a problem. \nPayment of {$250.00} was made on XX/XX/XXXX. \nTwo weeks later, I received notice that my credit card payment was overdue. \nChecked my XXXX  account and saw where the money had been taken out of my account. \nContacted USAA and they stated that they could not find the payment and that I would need to provide proof that payment was made. \nUploaded a copy of the 'ACH Item Detail ' on the evening of XX/XX/XXXX to the USAA web portal. \nContacted USAA XX/XX/XXXX to check the status and was told they could not locate the ACH Item Detail I had uploaded. They stated they would look for it. \nReceived a call from USAA collections department the morning of XX/XX/XXXX. They stated my credit card was overdue and that if I did not pay the XXXX bill, they would be reporting me to the credit bureaus. \nOnly after explaining they USAA had lost my payment and there was an active investigation did they bother to look at my account and see that there was a case. \nCalled USAA the morning of XX/XX/XXXX. Was told that it would be a 'couple more days ' for them to resolve the issue. \nIn the meantime, they have frozen the credit card and I can no longer use 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": "making_payments", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/4605378", "source": "cfpb", "group_id": "cfpb/a0101a07fe26e996b4e7", "variant": "clean", "length_bucket": "medium", "chars": 1350, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2021-08-05", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "a0101a07fe26e996b4e7cd1fcc8335441b4b15ebcaf801e95575a15d69c874c9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Complainant : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Bank Involved : Truist Bank Account Holder : XXXX XXXX XXXX Account Number of XXXX XXXX : XXXX Account Number of The XXXX Companies : XXXX Complainants Bank : XXXX XXXX  XXXX Account XXXX : XXXX Subject : Failure to Act on Recall and Fraud Claim Wire Transfers to XXXX XXXX XXXX Summary of Complaint : I am submitting this complaint to report Truist Bank for its failure to adequately respond to a recall request and a fraud/scam claim that I submitted in XX/XX/2024 through my bank, XXXX XXXX  XXXX XXXX The recall and fraud claim relate to XXXX wire transfers I made to XXXX XXXX XXXX accounts at Truist Bank. The total amount transferred was {$100000.00}, and both transfers were made under fraudulent circumstances. \n\nDespite filing these recall and fraud claims before XXXX XXXX filed for bankruptcy on XX/XX/2024, Truist Bank has failed to take appropriate action to return the funds or provide a reasonable explanation regarding the status of the investigation. \n\nBackground : On XX/XX/2024, I made a wire transfer of {$50000.00} to XXXX XXXX account at Truist Bank. The purpose of this payment was for a XXXX XXXX XXXX through his business, XXXX XXXX XXXX XXXX \n\nOn XX/XX/2024, I made a second wire transfer of {$50000.00} to XXXX XXXX account at The XXXX XXXX XXXX XXXX, based on his promise to purchase an aircraft. XXXX XXXX provided a promissory note for this loan, but he failed to purchase the aircraft or make any payments under the terms of the note. \n\nIn XX/XX/2024, I realized that XXXX XXXX had no intention of fulfilling his promises, and I submitted a recall request through my bank, XXXX  XXXX XXXX, asking for the reversal of these wire transfers. XXXX  XXXX XXXX submitted the recall request to Truist Bank on my behalf. \n\nI also submitted a fraud/scam claim through XXXX XXXX XXXXXXXX , citing fraud and requesting that Truist Bank investigate XXXX XXXX account activity and return the funds. I also submitted the police report to weigh my claim and hoping the bank to take the investigation more seriously. Both of these requests were submitted before XXXX XXXX filed for bankruptcy on XX/XX/2024. \n\nAs of today, Truist Bank has not resolved the fraud claim, nor has it returned the funds to me, despite ample evidence of fraudulent activities. Truist Bank has also not provided a clear update on the status of the investigation. \n\nDetails of XXXX : XXXX XXXX is currently facing criminal charges for tax evasion, and he has entered a plea agreement with the IRS, which was finalized in XX/XX/2024. The tax evasion case was ongoing at the time I made both payments, and it is clear that XXXX XXXX solicited funds under fraudulent pretenses to cover his legal and financial obligations. \n\nActions Taken : I have been in constant communication with XXXX  XXXX XXXX, and they confirmed that the fraud claim was submitted to Truist Bank in XX/XX/2024. \nDespite my efforts, Truist Bank has failed to return the funds or adequately address the fraud claim. Truist Bank has also not communicated a clear resolution timeline, leaving me financially impacted and without recourse. \nRelief Sought : I am requesting that the CFPB investigate Truist Bank for : Failure to properly investigate and act on my fraud/scam claim. \nFailure to return the {$100000.00} that was fraudulently transferred to XXXX XXXX accounts at Truist Bank. \nFailure to provide timely updates or resolutions regarding the status of the fraud investigation, despite the clear evidence of fraud and the recall request submitted prior to XXXX XXXX bankruptcy filing. \nI believe Truist Bank has violated its duties under federal regulations by failing to act on a legitimate fraud claim, and I request that the CFPB take appropriate enforcement action to compel the return of my funds. \n\nThank you for your attention to this matter. I am available to provide any additional information needed to support this complaint. \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": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/10252631", "source": "cfpb", "group_id": "cfpb/a9fbf79d6e81bd9f5da8", "variant": "clean", "length_bucket": "long", "chars": 4017, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2024-09-27", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "a9fbf79d6e81bd9f5da87d280b8db35aaaad6dda04cb3b07c1dcf91ad59fea66", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for XX/XX/XXXX or XX/XX/2015 ), resuming payments in XX/XX/XXXX. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in XX/XX/XXXX. \n\nCustomer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my XX/XX/XXXX payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. \n\nI am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1483403", "source": "cfpb", "group_id": "cfpb/44b99c5309a839b80d91", "variant": "clean", "length_bucket": "medium", "chars": 1472, "company": "CITIBANK, N.A.", "date_received": "2015-07-23", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Received bad information about my loan", "text_sha256": "44b99c5309a839b80d91068c241175ea0042e196c655c032787253fc38105da2", "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 : Consumer Financial Protection Bureau Subject : Tesla Financial Services Unfair Business Practices Hello, I am writing to file a complaint against Tesla Financial Services. I have included attachments to document and validate my concerns. Here is a list of exhibits : Exhibit 1 ) Retail Installment Contract ( Simple Interest ) I entered into a simple interest loan agreement with Tesla Finance for the purchase of a solar system on XX/XX/XXXX with a financed amount of {$48000.00}. The monthly payment of {$570.00} was to begin 35 days after I was granted permission to export excess energy to my utility company. The first payment became due on XX/XX/XXXX. The contract clearly states that they calculate finance charges on a daily basis at the annual percentage rate on the unpaid part of the amount financed. \n\nExhibit 2 ) Email Correspondence stating no change to monthly payments allowed on website I wanted to set up automatic payments of $ XXXX to shorten my loan term by half, thus reducing the total amount of finance charges I would be responsible for. I was informed that their system was not capable of this and that I would need to phone-in any additional payments. This was not convenient for me, so I initiated a payoff request so that I could refinance the loan with my credit union. \n\nExhibit 3 ) {$47000.00} Payoff quote issued on XX/XX/XXXX good until XX/XX/XXXX I had requested earlier payoff quotes, but due to the time necessary to secure a home equity loan to refinance the Tesla Finance loan, the previous quotes expired and this is the quote that my credit union used to pay Tesla on XX/XX/XXXX, XXXX days before the good until date quoted. \n\nExhibit 4 ) Email correspondence with Overnight Delivery Confirmation My credit union shipped an overnight FedEx envelope with a cashiers check to Teslas headquarters in XXXX XXXX, CA and the overnight envelope was signed for by a XXXX  on XX/XX/XXXX. Unfortunately, I discovered that Tesla Finance does not accept checks and they did nothing to notify me that they could not process the payment at the address my credit union used. I only found out on XX/XX/XXXX, when Tesla Finance replied to my follow-up email from XX/XX/XXXX, that they did not post the payoff payment. \n\nExhibit 5 ) {$47000.00} Payoff quote issued on XX/XX/XXXX good until XX/XX/XXXX Due to Tesla Finance not accepting the cashiers check that they received to pay-off the loan on XX/XX/XXXX, the original payoff quote expired and they issued a new payoff quote of {$47000.00} on XX/XX/XXXX that was good until XX/XX/XXXX. \n\nExhibit 6 ) Tesla website payment history screenshot My credit union was not going to be able to wire funds before the payoff good until date of XX/XX/XXXX because they needed to confirm the original funds from the overnight check never cleared. My XXXX payment now became due so my credit union wired my XXXX payment of {$570.00} on XX/XX/XXXX. Please note that the {$47000.00} payoff quote good until XX/XX/XXXX was issued on XX/XX/XXXX, BEFORE the XXXX payment of {$570.00} was made on XX/XX/XXXX. The credit union then wired on XX/XX/XXXX, the same {$47000.00} amount they had paid before, for a total received by Tesla Finance of {$48000.00}. You can see the dates that the XXXX payment and payoff amount were wired on the website screenshot. Please note the various dates of the previous monthly payments that were paid and compare these dates to the monthly billing statements issued by Tesla ( Exhibits 7 & 8 ) Exhibits 7 & 8 ) Monthly Invoices These invoices show the monthly payments Tesla Finance received since the first payment that was due on XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX and XXXX XXXX ). Please note that there is no indication on the invoices of the dates that the payments were actually received or posted to my account. The Tesla Finance statements only show that the minimum monthly payment for that month was received. I have also never received an invoice or statement showing the payoff payment being posted to my account to reflect a zero balance. The invoices do not show a beginning or ending balance, or how much of the payments were applied to principle or interest. The screenshot of the Tesla website ( Exhibit 6 - and the only way to manage your account ) shows there is an expansion for Financing Terms that should show the terms and remaining balance, but it has never shown a remaining unpaid balance.\n\nExhibits 9 & 10 ) Email correspondence about overpayment refund due Please remember that the payoff quote of {$47000.00} that was good until XX/XX/XXXX was issued prior to the XXXX payment being made. XXXX received a total of {$48000.00} by XX/XX/XXXX when {$47000.00} would have paid the account in full on XX/XX/XXXX. \n\nOn a simple interest loan, finance charges accrue on an average daily balance and the payoff XXXX XXXX quoted was good only until XX/XX/XXXX. On XX/XX/XXXX, the payoff would be {$47000.00} plus XXXX days interest. I overpaid by {$350.00}, less XXXX days interest. \n\nExhibit XXXX ) {$47000.00} Payoff quote issued XX/XX/XXXX good until XX/XX/XXXX This is my primary complaint. \n\nTesla Finance stated that because the total payoff was not received by XX/XX/XXXX, that the payoff was late and that a new payoff quote needed to be issued. Tesla Finance then issued a new payoff quote on XX/XX/XXXX good until XX/XX/XXXX. TESLA FINANCE ISSUED ANOTHER PAYOFF QUOTE ON XX/XX/XXXX WHEN THE ACCOUNT WAS PAID IN FUL L ON XX/XX/XXXX. \n\nExhibit XXXX ) {$170.00} Loan Overpayment Check Tesla Finance is somehow using the payoff quote that they issued on XX/XX/XXXX ( that is good until XX/XX/XXXX ) that they issued 8 days after the account was paid off to calculate my overpayment refund. If you take the {$47000.00} quote good until XX/XX/XXXX and subtract the {$47000.00} payoff quote ( and the final amount they received on XX/XX/XXXX ) that was good until XX/XX/XXXX, you come out with {$170.00}, the amount that Tesla refunded me. HOW CAN THIS BE LEGAL? \n\nExhibit XXXX ) Email Correspondence requesting Amortization table I had requested on XXXX separate occasions that Tesla Finance provide an amortization table to show how payments on my account were posted. I have yet to receive anything. \n\nSummary : Tesla Finance is not complying with truth-in-lending rules. They are intentionally making it difficult for customers to pay off their loans early. Their automatic payment system is set-up to accept only the minimum monthly payment due and no more. They do not accept mailed-in checks and do not notify you that a received check can not be processed.\n\nTesla Finance needs to be more transparent and compliant with their billing statements. They need to show when a payment was actually posted and how much of the payment was applied to principle and how much was applied to interest, and what the remaining balance is after a payment is made. They are not complying with simple interest rules if they only show the due date for when a payment was paid that month and not the date the payment was actually received. \n\nTesla Finance is not calculating their payoffs using a simple interest per diem rule. They received my excess payoff amount on XX/XX/XXXX, one day after the good until date quoted, and instead of charging me one days interest, they illegally charged me interest out to XX/XX/XXXX, which is XXXX days after they were paid in full. \n\nInstead of the {$170.00} Tesla Finance refunded me, I am due the overpayment amount of {$350.00}, less one days interest of approximately {$10.00}. I have corresponded with the supervisors at Tesla Finance and they only see things their way, no matter how I try to rationalize with them. They stated that it is their A.I. that is calculating their loans and they cant override the system, so {$170.00} is all I was getting.\n\nI believe the A.I. statement, as the Tesla website originally tried to collect a down payment of {$8600.00} from me when the down payment due was for only {$7500.00}. Tesla could not correct the website to reflect the correct down payment after almost 30 days of assuring me they would fix it. I ended up paying the {$7500.00} by phone so they would submit my P.T.O paperwork. Even after they received the down payment, I kept receiving text notifications that I was past due when I was not. They had to disconnect the automated messages so I wouldnt receive a text notification every other day. Tesla Finance needs to be investigated into their u\nnfair business practices. This is more than just a complaint about the additional {$180.00} less one days interest that they owe me. Tesla needs to be held accountable for their questionable loan repayment accounting methods. \n\nPlease let me know if this is the correct agency to file a complaint, or if I should contact the Federal Trade Commission instead, or as well. \n\nThank you, XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, CA XXXX ( XXXX ) XXXX Tesla Account 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": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/8406257", "source": "cfpb", "group_id": "cfpb/02035135fb3d72605f4c", "variant": "clean", "length_bucket": "long", "chars": 8927, "company": "Tesla, Inc.", "date_received": "2024-02-23", "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": "02035135fb3d72605f4ce2f6798bd6a626205f2458ef16f5593922010b4ad645", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello I have a PayPal account with XXXX dollars on there and they wont let me transfer the funds off claim there was limit placed on my account permanently saying somebody else tried to access my account but never did my email XXXX they opened a case on the XXXX never told me any updated until I called them and they claim they sent a email I just want my funds off this account and nothing to do with them anymore PayPal is the 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": "money_transfer", "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/5910155", "source": "cfpb", "group_id": "cfpb/bee48681952e8bae304d", "variant": "clean", "length_bucket": "short", "chars": 437, "company": "Paypal Holdings, Inc", "date_received": "2022-08-24", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "bee48681952e8bae304d291f35f7836a2369ab2f9b46a6926406d6f9d6b4d154", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I placed a Capital Credit Card application at the beginning of XX/XX/year> thinking it would be a simple process with a great credit score, I would receive the credit card in no time.\n\nCapital One disregarded the information I placed on the application form even though that is how they checked the information whether to approve or not approve the application and used old/inactive account information instead. The old checking account was opened 10-12 years ago with Capital One. It was not active nor did have the current address or current last name. But for some reason, the credit card was issued to that checking account information and was sent to that old address with the wrong last name.\n\nI contacted Capital One and talked to 10 people for 2 weeks to get them to update the information for the new credit card. As you can imagine, I was providing my full name but they were not seeing it because all they had was the old information. I had to provide my driver 's license, get text messages to get them to see who I was, etc. \n\nHow can you approve a credit card application if you are not looking at what is on the application form? How can you tie a credit card application to an old account thinking that would be fine? and yet going through the hassle and explaining the situation Capital One employees had been the worse! Every call needed to repeat the situation over and over again, every call needed to provide who I was etc. \n\nI have never experienced such a pain in my life during a credit card application as I have over XXXX XXXX XXXX and no issue getting approval. \n\nIf you are not using the information that is being placed on the application form, how are you approving a credit card? with what information is based 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": "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/9864021", "source": "cfpb", "group_id": "cfpb/f0f7c4d812b9d69671c8", "variant": "clean", "length_bucket": "medium", "chars": 1745, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-08-20", "product_raw": "Credit card", "issue_raw": "Getting a credit card", "sub_issue_raw": "Delay in processing application", "text_sha256": "f0f7c4d812b9d69671c847e120bdfde62fa7d2c4aadbd854e96fb165605cfd48", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.", "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/5775649", "source": "cfpb", "group_id": "cfpb/8792685bdc2d63727a75", "variant": "clean", "length_bucket": "medium", "chars": 2098, "company": "Resurgent Capital Services L.P.", "date_received": "2022-07-15", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened to sue you for very old debt", "text_sha256": "8792685bdc2d63727a75687868e051c4112e6ba10d1cbca2a2792f0e53230fea", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Various dates and amounts around and after 2018 where mortgage escrow shortages were claimed repeatedly. I did not ask for forbearance but it negatively affected my credit. \nI inquired about and unable to get lower interest mortgage 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"}}, "_meta": {"id": "cfpb/7683144", "source": "cfpb", "group_id": "cfpb/e139ce34f4dc8d68f41e", "variant": "clean", "length_bucket": "short", "chars": 238, "company": "WELLS FARGO & COMPANY", "date_received": "2023-10-11", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure", "text_sha256": "e139ce34f4dc8d68f41e86e55501230341aec45db6f60ea48d70fd52510c57ee", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX accusing Wells Fargo Atm Specialists in the case of XXXX XXXX XXXX XXXX of fraud and transphobia in the Atm department at the Wells Fargo XXXX XXXX XXXX Ca XXXX \nThe atm XXXX told med told me I had won the case and I spent the money. No staff explained to me, to save the money just in case, the case doesn't go in your favor. \nI believe XXXX XXXX are a fraudulent online business, and they work out of XXXX XXXX XXXX and you can not call or get a hold of anyone except online via email. XXXX reporting this business to the FBI Fraud unit and Wells Fargo XXXX XXXX XXXX as well. For not making it clear on my case and because of your lack of good communication. XXXX out of my ssi check for the month and have no way to pay mortgage food, utilities and pay bills. Wells Fargo bank and staff have put me in a compromising and hardship position. And my credit possibly affected. Wells Fargo bank didn't not take care of me as a customer. XXXX in a precarious situation because of their lack of communication and transphobia. I don't know how many times I have said i go by he him and his and my name is XXXX. I get dismissed or blamed on the phone line. \nIn one day, XXXX in the negative approx. {$2400.00}. from a credit reversal that no one said anything to me about. This decision is based on no evidence of manuscript, and I thought I had won, and I didn't get a chance to show my emails evidence, all gone and the XXXX has all the control and emails. I thought I had won by a letter from Wells Fargo sent me in the mail, putting back the money and fought for me and I had won and deleted the account and 3 months later get hit with a negative balance that affects my lively hood. Financially Wells Fargo actions, put me in the 6 feet underground. I don't have an account with XXXX. They have all my pictures, notes and work. They broke the contract by talking to you. And did they show you the email the collaborator writer said she would give back the {$1500.00} she didn't do the work. I wanted to discuss the {$980.00} I didn't believe the collaborator did about {$500.00} worth of work. Not professional writing and a huge disappointment. I was on a time payment schedule to make timely payments and the 2nd payment isn't ok for the changemakers to have. This is stealing. That is my money. For work that wasn't done. I talked with the writer after the money was sent on the agree contract. I have called the FBI and another business organization that will investigate this matter with XXXX XXXX and Wells Fargo in XXXX  Ca. The company has everything. They have the control. This is a Fraudulent business. I need help proving this. 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": "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/5926932", "source": "cfpb", "group_id": "cfpb/01dbf3c7da16407d5668", "variant": "clean", "length_bucket": "medium", "chars": 2655, "company": "WELLS FARGO & COMPANY", "date_received": "2022-08-29", "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": "01dbf3c7da16407d5668a3cd79d437683f5b0c1ee9e9d5e20fbe3fee3ff70ef8", "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, I opened a Discover It card that requires a security deposit. I was ill-advised this is something I should do to establish credit when it was entirely unnecessary as my credit score was in good standing at the time of application with Discover on XX/XX/XXXX. It appears the account was closed yesterday after telling Discover almost daily over the phone to close it since Saturday, XX/XX/XXXX. On the XXXX, I was told the case was still pending so I said great, go ahead and deny it out and close it as I do not want the card and refund my {$2200.00} security deposit as quickly as humanly possible by crediting it back to my bank checking account. \n\nHere is what has happened since I made that request. I was told by two employees in the Arizona Office that we have to actually go ahead and finalize and approve your card before we can close it. I was baffled and told them why they cant just deny the application per my request. Neither gave me an answer. I was then told that I would receive an email that takes 24 hours to receive which sounded odd to me because every email Ive ever sent or received in my life happened instantly. Anyway, by mid day Monday the 24 hour email from Saturday had not arrived. Discover also did not provide me a case number or any other kind of communication that the case was closed. I was told on Saturday the XXXX that there are case notes here sir documenting everything. I was highly dissatisfied after a couple hours on the phone with both of them. \n\nOn Monday, XXXX, I spoke to a Delaware Discover employee who was blatantly rude. She refused to transfer me to the correct department for a security deposit refund. She also claimed she couldnt send the 24 hour email but was putting a note in the system for someone to send another one to take 24 hours. She was adamant it was sent despite me telling her after confirming that they sent it to the correct email address that I had not received it. \n\nI spoke again with Discover on Tuesday and was told by an Ohio supervisor XXXX XXXX XXXX that she had sent another email while I was on the line to take 24 hours. I finally exploded on the phone and was completely irate yesterday and spent 2 hours and 45 minutes transferred to at least five different employees. The last employee had no answer and simply stated that emails can take 24 or 48 hours to receive. When I caught him changing the number of hours and how I still didnt have any email six days after starting all of this last Saturday he had no answer. \n\nHere is the present status of the case. I received a letter in the mail today that the case is closed. They sent me an approval letter yesterday with the card which I have cut up for security of course. That approval letter should never have been sent because not only did I want it closed the case was incomplete. I never provided necessary identity requested by Discover to XXXX. I never submitted my drivers license or income verification for the card that they requested to verify my identity. Discover had no answer for this when asked. \n\nI do not know or trust that Discover will refund all of my {$2200.00} security deposit. Credit cards come with a lot of fees and fine print. Nobody said they would charge me anything since the card was never activated let alone used. Their word on the phone does not mean anything. I am still receiving reminder emails from XXXX for the fourth consecutive day today so I unsubscribed today after telling them to stop as I did not go through with the card.\n\nIf I receive one cent less than the full security deposit I want to know if this agency can help me and get involved in the matter. If I should also contact another agency such as a state attorney generals office in which Discover is headquartered, please let me know if that is the more appropriate action. \n\nDiscover also has lied about refund dates for my security deposit. Last Saturday the XXXX I spoke to in Arizona ( who I have come to find out dont even process those returns- they occur through the Ohio office ) said I would get it by this Tuesday or Wednesday ( the XXXX or XXXX ). I am now forecasted to receive it XX/XX/XXXX which they are calling expedited service and a favor to me. They are also sending the check out to my house and not returning it directly to my checking account- which was the manner in which it was withdrawn. The check will also come through the Postal Service despite my pleading for it to come through a carrier like XXXX or XXXX. However, if a person uses this card and gets their deposit returned after 6 months of good use, they allow the customer to receive the deposit back in the manner the customer prefers. This does not seem appropriate granted how shady Discover was in pushing through this card to me when the case was incomplete and I also requested denial/closure when it was still pending and they could have readily done that by simply pushing a button. \n\nAt the moment I have about 6-8 hours invested and hope I will receive full repayment of my {$2200.00} security deposit. I know it may seem that I am filing a complaint too soon as the XXXX has not arrived yet but I do not want to wait as Discover has committed several unethical or illegal practices to warrant me writing this in my mind. They should not be giving ordinary Americans this kind of treatment, especially when they are one of the largest corporations in the US and I have done absolutely nothing wrong on my part. \n\nThank you so much for your time in reading this. Hopefully I will receive full payment no later than the XXXX of XXXX as promised by Discover and will not need to contact this agency any further. If you have any questions, please dont hesitate to contact me. \n\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": "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/5875283", "source": "cfpb", "group_id": "cfpb/153a434be0080c0f9b47", "variant": "clean", "length_bucket": "long", "chars": 5758, "company": "DISCOVER BANK", "date_received": "2022-08-14", "product_raw": "Credit card or prepaid card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "153a434be0080c0f9b479e60080c7cf8640fe69a67db3e4ffc34d8fa944aaf83", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. \n\nYou responded by saying that \" VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. \n\nSo, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). \nAll inaccurate XXXX XXXX TRANS UNION - account # XXXX Date Opened : XX/XX/XXXX. \nHigh Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX account # XXXX  Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. \n\nI am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( 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. \n\nAgain, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8121344", "source": "cfpb", "group_id": "cfpb/11095eca7e270b099614", "variant": "clean", "length_bucket": "medium", "chars": 2269, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-01-08", "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": "11095eca7e270b0996149802b7d67d90c8470c356b4ecaf45370ecb235f2340e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "When purchasing my vehicle I made an agreement with the car dealership whom claimed they were in direct contact with Capital One Auto Finance about the interest rate rate of my auto loan to be 6 % and for no longer than 48 months. Once I started making my car payments I was being charged 12 % apr and a 72 month auto loan. I put {$6000.00} cash as a down-payment to keep my payments low and interest at a lower rate. Even with a 12 % apr with the amount financed I have paid more than I should have for the entire lemgth of the loan. I put {$6000.00} cash as a down payment. the amount of the loan should have been for less than {$10000.00} with my down-payment. The original loan amount shows much more than {$10000.00}. Where did my down-payment go if it was not put towards my loan as it should have been?? Capital One Auto Finance charges accessive interest rates and are not as what was agreed to at the start of the loan and is double the amount than what was agreed to when purchasing the vehicle from XXXX of XXXX. For what should have been a {$9000.00} loan with 6 % annual percentage interest rate and paying on my loan for 3 years now and it still shows I owe {$7000.00} to pay my car off and that I have paid {$7000.00} in interest already does not add up. Contacting Capital one auto finance is a joke as nobody resolves the problem. Somebody needs to audit Capital one auto finance because I am sure that I am not the only one that is being deceived by Capital one auto finance. This is a fraudulent act on Capital one auto finance and quite possibly even XXXX of XXXX. Capital one is being extremely deceptive in their practices by collecting more interest in payments from consumers than what they should be collecting. more than 50 % of every payment has gone to interest. even on 12 % interest ( although that is suppose to be 6 % as agreed to ) the amount of interest collected during an entire 72 month ( which is suppose to be 36 month ) loan term should be no more approximately {$3000.00} throughout the entire length of the loan. How is it I have paid double that in interest and the loan amount in total should have only been {$9000.00}??? This is fraudulent and wrong and Capital one auto finance is taking advantage of consumers with unfair practices and should be held accountable for their fraudulent actions to the full extend 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": "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/7736777", "source": "cfpb", "group_id": "cfpb/2d477c9f0b88f922cd7c", "variant": "clean", "length_bucket": "medium", "chars": 2369, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2023-10-22", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with the interest rate", "text_sha256": "2d477c9f0b88f922cd7ceeb96f72d8779e933eee7b2ccc05d4e032554e764208", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Collection company keeps putting erroneous and misleading information on my credit report. They keep taking it off and replacing it back on. I believe it to be criminal at this point and I am willing to travel anywhere for a deposition or court proceedings.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3779624", "source": "cfpb", "group_id": "cfpb/98418ac9f77fa989509b", "variant": "clean", "length_bucket": "short", "chars": 257, "company": "Receivables Performance Management, LLC", "date_received": "2020-08-04", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "98418ac9f77fa989509b8c997928dcdec48e60045c00c1eb892da97039a83283", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This loan has been causing issue after issue and I will attach all pertinent documentation as this has been an ongoing issue with no one fixing it and then loan being sold 4 times in past 20 months. First I have been in my home since XXXX/XXXX/XXXX. My loan was with XXXX and to start I have found where the broker did fraud on pushing this loan through and robo signed items. Regardless I kept up with my payments. I paid XXXX for this home. I found over charges of XXXX on orgination loan. In XX/XX/XXXX the value of home dropped to XXXX. So I was stuck and continued to make my payments. XXXX offered to modify the loan but because of drop in market and before they offered to modify the ARM they said I had to do a trial forbearance. During this time I was making all payments on time. Unfortunately the bank went under but the FDIC bailed them out and then spent 8 months going back and forth on modification because of the trial mod instead of being up front on how it worked they were reporting loan late every month and then told me the trial mod that I made all payments to they were requesting a lump sum payment of XXXX which was never stated and illegal. The FDIC approved mod but then I was given a bait and switch as they sold loan to XXXX. XXXX is where it got worse. To this day they owe me XXXX for not paying my escrow and over charges and putting force placed insurance on house when I had my own insurance and had to pay my own taxes as they were stealing from me. My taxes were not escrowed with XXXX and my home owners insurance was only XXXX per year and taxes under XXXX per year. XXXX was charging me XXXX for bogus forced placed insurance and XXXX for taxes and not once did they reimburse. This was an ongoing fight as I would continue to fight the escrow and they kept saying I was wrong until the point it pushed it to the point I was paying my mortgage but the escrow was out of control with bogus charges. I fought them and they tried to file a NOD then cancelled when I kept pointing out the charges I was due a refund and instead of giving that they sold to XXXX in XXXX XXXX. Dealing with XXXX I kept asking for refund but they just put my loan in mod status of forbearance while they tried to figure it out. While going on this period they did not allow me to make payments. I then received a loan mod offer from them XX/XX/XXXX I reviewed it still did n't receive status of XXXX in over charges from XXXX still not reconciled and when I called to go over they said they sold my loan to XXXX XXXX. XXXX never sent me anything. I finally called them in XXXX XXXX and they would not even give me what my acct # was. I sent them multiple QWR 's and zero response. In XXXX when I called she said XXXX sent them a mod paperwork but needed a form and they never sent me anything. Now it was sold to BSI Financial who just sent me a note saying they bought my XXXX/XXXX/XXXX. Then XXXX they sent plan to foreclose and within that 2 weeks time did not send me a statement just stating I owe XXXX when my loan should be XXXX on first I have XXXX loan as well. I have called multiple times and XXXX message back from XXXX assigned SPOC XXXX XXXX who stated in message he did not get back to me because I now have another XXXX but would not give name. To this date BSI has never sent a monthly statement or explained these so called charges they are trying to charge me of XXXX to reinstate my loan that has been kept in modification cycle of hell. XXXX servicers not servicing, keeping it in mod purgatory and not accepting payments, not following RESPA, stealing and not paying taxed, FRAUD, Securitization and not following California Homeowner 's Bill of Rights with BSI right now. Today is XX/XX/XXXX and I am overnighting again the loan mod info to BSI. I just want to make my normal payments which I can 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": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1659714", "source": "cfpb", "group_id": "cfpb/f999b5e2c19a88860860", "variant": "clean", "length_bucket": "medium", "chars": 3838, "company": "Servis One, Inc., Titusville, PA Branch", "date_received": "2015-11-17", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "f999b5e2c19a88860860de5783f9ac48a24758ca2fd7b36dfb64862570e0a5f8", "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, I purchased 2 vehicles from SALE BMW in XXXX, NC. Both vehicles were advertised as new on their website and confirmed as new by the salesperson XXXX XXXX. The bill of sale and all paperwork with the sale that was turned into the state of NC states my vehicle is new. However the financing portion that was turned into BMW financial was checked \" Certified Pre-Owned ''. I did not realize this until I took my vehicle into get the navigation uploaded that the Service Manager XXXX told me that my vehicles were Certified Pre-owned and that I could transfer the BMW care package from the previous owner for XXXX which I did pay for one of the vehicles. If my cars were \" New '' they should have come with BMW Care for 3 years/36,000 miles. I spoke to my salesman XXXX XXXX about the situation and he said, \" Oh yeah, if a vehicle is on the lot at year end, we take all the promotional money off the car by turning them in as Certified Pre-Owned so we can pay the taxes on the vehicle. '' At this point because the vehicles were advertised as new and they clearly weren't I have been screwed out of XXXX in financing with a dealership I do not trust. I will have to take my vehicles to another dealership over XXXX miles away to get them serviced in the future.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3908234", "source": "cfpb", "group_id": "cfpb/71bc113d94514b021b2c", "variant": "clean", "length_bucket": "medium", "chars": 1273, "company": "BMW Financial Services NA, LLC", "date_received": "2020-10-20", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Confusing or misleading advertising or marketing", "text_sha256": "71bc113d94514b021b2c4baf3186e9e0413d6ba2217c19029995a228cbad21ec", "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 Discover Card increased my credit line to double the amount of the original line. I have not missed any payments and set up automatic payments. I have had the card since XXXX never had unresolved issues. Now out of no where they have violated my consumer and constitutional rights demanding my personal non-public information and using a third party credit agency XXXX to do so. I called to resolve the issue and two different customer service representative stated the only way to continue to use my card was to comply and hand over my tax returns. I am deeply offended and injured emotional and physically not having access to my own credit now that they froze my accent and will terminate it by XX/XX/XXXX if I do not comply. The is a grave injustice and deep over steeping of boundaries and deprivation of my rights. I demand immediate relief and Arbitration as I will be contacting the Attorney General, Securities Exchange commission, IRS and the OCC.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7291435", "source": "cfpb", "group_id": "cfpb/0f4c45a072191b1ee498", "variant": "clean", "length_bucket": "short", "chars": 973, "company": "DISCOVER BANK", "date_received": "2023-07-22", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Privacy issues", "text_sha256": "0f4c45a072191b1ee4981fe423d25c3ca97b82ca1572025f39e08d3ca6c1c90e", "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 parents took out a loan with XXXX XXXX ( XXXX XXXX ) for {$35000.00}. \nOnXX/XX/XXXX I was added as a 3rd owner on the deed of my parent 's house. It was recorded onXX/XX/XXXX. \non XXXX XXXX XXXX ( Capital One ) granted my mother a {$50000.00} loan.It was recorded on XXXX on XXXX XXXX XXXX ( Capital One ) granted my mother an {$80000.00} loan. It was recorded on XXXX. \non XXXX my father passed away on XXXX my mother passed away on XXXX I met with a probate attorney to finalize my mother 's estate. After a quick search, the attorney found the {$80000.00} recorded mortgage. That was the first I was hearing of the loan. I knew I was added to the Deed in XX/XX/XXXX,  and I knew I never signed any documents even though I should have. \nXXXX Letters of foreclosure began to arrive, but I had not been made the Admin of my Mother 's Estate yet. I also hadn't sought counsel yet. To keep foreclosure at bay, I made one payment of {$1300.00} to give myself time to finalize the estate and find a Real Estate Attorney. \nXXXX I met with my Real Estate Attorney for the first time to begin appropriate litigation. \n\nAfter the standard back-and-forth, Capital One admitted that the two mortgages were \" unenforceable '' because I, as a 1/3rd owner, had not been made aware of - or asked to sign - any documents. \n\nCapitol One is countersuing me for {$35000.00} via a \" Faith In Equity '' lien. Their argument is that while the {$50000.00} loan WAS not enforceable, it did pay off the XXXX XXXX XXXX ( XXXX XXXX ) loan that existed 11 years prior to my being added to the deed. \n\nThe ACTUAL payoff amount of that loan was {$17000.00} per the signed HUD-1 from the closing. This HUD is only signed by my mother when, in fact, my father ( who is included on the loan documents ) should have signed the HUD ( RTC, TIL, and Riders ) as her spouse. My signature is obviously missing as well given I was never told any of these loans were taking place. Funding these loans off of this HUD-1 is a violation of U.S. Code Section 1001 and Section 1010 ( per the HUD-1 that was signed by the Settlement Agent from XXXX XXXX XXXX XXXX which no longer exists ). These same circumstances were repeated almost a year later when XXXX sold my parents the {$80000.00} loan. The {$80000.00} unenforceable loan paid off the {$50000.00} unenforceable loan. \n\nOn the date of the {$50000.00} loan, my mother was a XXXX  year-old retired woman. My father was a XXXX   year-old retired man. On the date of the {$80000.00} ( 10-year interest only loan ), my mother was XXXX, and my father was XXXX. The {$80000.00} mortgage, being interest-only, meant that their monthly payment would be well over {$1000.00} starting in XX/XX/XXXX. Were they alive, they would be XXXX and XXXX respectively. I believe my parents were the victims of predatory lending practices. \n\nThe initial search done by the Abstractor would have included the XX/XX/XXXXDeed that showed my parents and I as the owners. The bring-down at funding would also have pulled the XX/XX/XXXX Deed. Neither of these loans should have funded without all three of our signatures on the \" funding docs '' ( 1st and last pages of the Mtg, RTC, TIL, HUD and any riders ). \n\nSo far, my rights as an owner were violated twice by the two mortgages and Capital One now wishes to victimize me a third time by asking me to pay {$35000.00} on a {$17000.00} pay off for a loan from XX/XX/XXXX. Furthermore, the {$50000.00} loan was paid off by the {$80000.00} illegal mortgage. My parents never missed a payment on the {$50000.00} loan having paid {$6800.00} before being sold the {$80000.00} loan. As well, my parents paid {$7300.00} in fees towards the predatory/unenforceable loan. It hardly seems fair that they should pay fees to be victimized. \n\nI certainly shouldn't have to pay a cent for the mistakes made by XXXX ( Capital One ), XXXX XXXX XXXX XXXX, and the underwriter of the lender 's policies. They ignored my rights as an owner and stand in violation of U.S. Code. I did nothing wrong. \n\nMy parents had automatic payments withdrawn monthly for nearly 9 years. They paid {$6800.00} towards the {$50000.00} loan, and they paid in the area of {$25000.00} towards interest-only on the {$800000.00} loan. Their wanting me to pay them {$35000.00} on a {$17000.00} payoff is criminal. How many times can I be victimized by this Bank? \n\nI understand \" Faith in Equity '' liens have legs. I believe a significant number of situations like mine involve a spouse being excluded on the loan. My attorney sites one example where a husband and wife had an initial mortgage together where they both signed. They separated at some point, and the husband went on to forge her signature on a series of loans reaching over a XXXX. Her \" good faith '' was that she did initially sign and agree to be financially responsible for the first mortgage they took out together. The second loan - while fraudulent - did pay off a mortgage that she knowingly and willingly signed which obligated her to repayment of that loan. The forged loans obtained by the husband never had a history of payments. \n\nI am my parent 's child. In XX/XX/XXXX, when the {$50000.00} loan was granted, I was a XXXX  year-old woman. I wasn't a dependant. I didn't live in the same house with my parents. When the {$35000.00} loan was taken out in XX/XX/XXXX, I was a XXXX year-old woman. Again, not a dependant who lived under their roof. In XX/XX/XXXX, they had no obligation to inform me of their personal finances. In XX/XX/XXXX, the {$50000.00} loan was coordinated by professional mortgage service providers who were obligated to inform me of any transaction that involved the property because I had, by then, become a 1/3rd owner. They employed the service of an Abstractor which involves a Deed search. They had an obligation, by law, to ensure all parties on that Deed were made aware of the loan. They ignored the findings ... twice. My parents were both retired. They, like most people, weren't versed on the process of taking out a mortgage. I, on the other hand, was working for a title company ( that still exists to this day ). In XX/XX/XXXX, while they were signing documents on a bad loan, I was at work AT a title company clearing title correctly for other people. I never had the chance to protect my parents from these bad loans. I was excluded from the process by the mortgage service providers, and that shouldn't cost me a cent. \n\nThere's no logical - or ethical - path to justifying that their mistake should cost me anything. These unenforceable loans were paid on for 9 years, in violation of my right as an owner, and it took my mother 's death for me to be made aware of them. They violated actual U.S Law while I simply earned a living. Unbeknownst to me, I am suddenly expected to pay tens-of-thousands of dollars in attorney fees and such having never violated a single law? I wouldn't have attorney fees if they had done their job. I wouldn't have had to make the XXXX payment to hold off foreclosure if they had done their job. {$7300.00} in fees would have been reimbursed because the loan would never have funded if they had done their job. My parents wouldn't have made {$6800.00} in payments towards a bad loan. The second bad mortgage would never have happened if they had done their job the first 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": "closing", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/2824164", "source": "cfpb", "group_id": "cfpb/651bfeec51079635b42f", "variant": "clean", "length_bucket": "long", "chars": 7338, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2018-02-23", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "651bfeec51079635b42fcfe4ef604311a8802b84e07bd8c88a10cf1c3a0b65e8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have sent an offer and it was accepted on XX/XX/XXXX. \nOn XX/XX/XXXX, the lender 's mortgage advisor XXXX XXXX XXXX confirmed via SMS that I only need to come up with 5 % down payment for a {$900000.00} home. \n\nOn XX/XX/XXXX, I sent the earnest money of {$28000.00} to escrow. I also filed a quit deed for XXXX XXXX that I am in the mortgage in as another requirement that I needed to meet. \n\nOn XX/XX/XXXX, I had the property inspection completed. I did not shop for an appraiser but my lender asked me to pay for an appraiser who appraised the property at a value of XXXX which I think was rigged. I was also given a run down of the rates and monthly payments at this time. It is a variable rate that will start at 4 % on year 1 then moves to 5 % on year 2, 6 % on year 3 and it will stay locked in at 7 % on year 4. The estimated monthly payment was {$3800.00} on year 1, XXXX on year 2 and XXXX on year 3. He also stated that rates are expected to go down in 4-6 months so I can opt to refinance to get me into a low fixed rate. \n\nOn XX/XX/XXXX, I accepted the first offer that I received for my XXXX home, even at a loss, just to make sure that I close a couple days early to meet the requirement and to use the funds to close at XXXX. \n\nOn XX/XX/XXXX, the down payment was increased to 10 %, including a requirement of paying off my XXXX XXXX, XXXX XXXX  account and XXXX XXXX account of my co borrower. \n\nOn XX/XX/XXXX, I was asked to order HOA bylaws and declaration. \nOn XX/XX/XXXX, I was asked to order HOA insurance. \n\nOn XX/XX/XXXX, I sent a recap of our call on XX/XX/XXXX where he confirmed that we are moving to closing as long as I sold my property in XXXX. I waived my contingencies on XX/XX/XXXX per confirmation from my lender. I believe on the XX/XX/XXXX call he said that he was able to make it happen without paying my XXXX account. \n\nOn XX/XX/XXXX, he told me that we need to pay my co borrower 's XXXX  account of {$21000.00} to get the debt ratio under 50 % On XX/XX/XXXX I was sent an estimated closing statement by my realtor which came from escrow which required {$66000.00} in addition to the XXXX XXXX. \n\nI sold my XXXX property on XX/XX/XXXX which was the last contingency given to me to close my supposed home in XXXX. I routed {$66000.00} of the funds to escrow. \n\nOn XX/XX/XXXX, the lender found that we don't have the HOA lender questionnaire. The closing was delayed to XX/XX/XXXX instead of XX/XX/XXXX because it fell on a weekend. \n\nThe lender questionnaires came on XX/XX/XXXX. At XXXX on the same day, escrow received my loan documents. It still requires XXXX on top of what I had already paid. This included a {$29000.00} origination charge as part of closing costs. I did not receive a fair estimate of closing costs from my lender nor did I sign disclosures. I was at a shock that I needed to come up with {$72000.00} a day after I was supposed to close. I called my lender in tears that I am about to lose {$31000.00} from my expenses in acquiring the home including my XXXX that I could not get back. He let me know that the {$29000.00} was necessary to get me the rate. Then I confronted him again on XX/XX/XXXX, because I was given the CD by escrow and it showed that my interest rate was 5.999 % and my monthly payment is actually {$6300.00}. \n\nThe lender and realtor has been asking me to loan from family or friends, withdraw from my ex-husband 's 401K account and other means that are more harmful to me than good. \n\nI asked my lender to refund those costs to me. To this date, {$94000.00} of my money is still in escrow. My lender used switch and bait schemes as well as predatory lending practices which cost me a lot of money and time. The lawyer that I spoke with said I should have received my loan estimate 3 days before close and signed by me. That did not happen. On XX/XX/XXXX, I let my lender know that if I do not get the costs back in the sum of {$30000.00} I will file a lawsuit. I sold my property in XXXX  at the first offer I received to make sure I met all of my requirements to proceed with the sale. I filed a quit deed for the XXXX property I share with my ex-husband and sister. I am out of homes. I have to take time off because this has been using a lot of my time. The {$30000.00} is the total amount spent just on earnest money deposit, appraisal, inspection, HOA bylaws, insurance and lender questionnaire. It does not even represent all my losses to attempt to find a solution to what I was put through.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7026460", "source": "cfpb", "group_id": "cfpb/9d4eeac9a98f491c3951", "variant": "clean", "length_bucket": "long", "chars": 4483, "company": "United Shore Financial Services, LLC", "date_received": "2023-05-25", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "9d4eeac9a98f491c3951718251b2a4c555983e5fcb3ff17ef903ac5f23df22a7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I use biometrics to log into my Coinbase account with the app on my phone. One day, the Coinbase app fully logged me out of my account and required me to enter my password to login as opposed to using biometrics. I entered my password and the app said it was incorrect. I entered my password again, the app said it was incorrect and I was then blocked out of my account with a message that said Coinbase will review my account and email me when the review is complete. It took 5 months, and many attempts on my end to contact Coinbase support for Coinbase to finally send me the following email and allow me access to my account again : \" Hi XXXX, I hope this message finds you well. We appreciate your patience while weve been reviewing the provided information. Were happy to share that we now have everything we need to meet regulatory requirements! We have fully restored your account and you can consider this case closed. '' I then logged into my account just to see that Coinbase had drained all of my funds. I investigated further and discovered that Coinbase had transferred all of my funds to themselves on XX/XX/year>, while they had me blocked out of my account. I have since called Coinbase support many times and tried to file complaints with them, just to be told that they have already responded to my previous claim with the CFPB and that the case is closed. I need Coinbase to return all of my funds back to my account ASAP.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9949983", "source": "cfpb", "group_id": "cfpb/c7cfca63571fee7ab0dd", "variant": "clean", "length_bucket": "medium", "chars": 1442, "company": "Coinbase, Inc.", "date_received": "2024-08-25", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "c7cfca63571fee7ab0ddeaffbba07106274d441e12854ed5065ef0bd9b9dda81", "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 got an email- sender name is a friend,. it asks me to do a favor and go to XXXX, buy 2 gift cards of {$200.00} each, scratch off code in back, take a picture and send it to her. I did that. had to go back to store and get replacement card since I scratched it too hard. did that on XX/XX/XXXX and sent her replacement card. On XX/XX/XXXX i got another email from her asking me to get 3 more cards of {$200.00} each. fool that I am I did it and sent 3 more cards. since she is an older lady and involved in many charities I assumed that this was something like that. Today XX/XX/XXXX I got another email from her asking me to get 5 more cards. finally got suspicious, called her and she told me She was not the sender. Called Discover card and was told that the latest charge of {$600.00} was pending and they could not do anything until XXXX put this item in dispute. 2 hours after I am now told that the charge was paid. and that they could do nothing. BOTH XXXX AND DISCOVER HAVE DONE NOTHING!!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5801005", "source": "cfpb", "group_id": "cfpb/ff8129c7e2f1c609158f", "variant": "clean", "length_bucket": "short", "chars": 1012, "company": "DISCOVER BANK", "date_received": "2022-07-22", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase or transfer", "sub_issue_raw": "Card company isn't resolving a dispute about a purchase or transfer", "text_sha256": "ff8129c7e2f1c609158f9a41293c478fc2b19746de5eb7a188a158643a04d6cc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to ask for proof of this debt or any other debt with the name XXXX XXXX XXXX  XXXX I need you to show me the following information : XXXX. A certified copy of the original contract that XXXX XXXX XXXX XXXX has with XXXX XXXX. \nXXXX. A certified copy of the contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demonstrating the purchase of the alleged debt including any and all costs related thereto. \nXXXX. A certified copy of the contract between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to act on the behalf of FLORIDA POWER LIGHT. \nXXXX. Certified copies of all records and a full accounting of the account referenced in your letter as ACCT. # including but not limited to all records from XXXX XXXX XXXX demonstrating that a valid debt exists. \nXXXX. Certified copies of all business licenses including licenses required by the STATE OF FLORIDA to conduct business in FLORIDA. \nXXXX. A complete list of all officers of XXXX XXXX XXXX XXXX with complete contact information including, but not limited to, full name, title, direct mailing address, direct phone numbers ), fax numbers ) and email address. Providing a \" link '' to a website is not acceptable. \n7. An affidavit signed Under Penalty of Perjury that XXXX XXXX XXXX XXXX or any agents ) acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). \nXXXX. Certified copy of all Public Hazard Bond ( XXXX ) and/or Liability Insurance Policy ( XXXX ) and accounting demonstrating financial capability of XXXX XXXX XXXX XXXX XXXX \nXXXX. Proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector. \nXXXX. Prove that XXXX XXXX XXXX XXXX is the creditor of this purported debt. \nXXXX. The completed DEBT COLLECTOR DISCLOSURE STATEMENT previously sent to you which has been ignored, which by not completing, prohibits you from further collection or contacting me. You have now been subject to {$1000.00} violation, and per XXXX statutes, tenfold that amount which is {$10000.00}. \nUnless you provide the information listed above within XXXX ( XXXX ) days after receiving this letter, this debt will be deemed invalid and further collection attempts will be considered a criminal activity attempting to extort monies. A criminal complaint may be filed against XXXX XXXX XXXX XXXX with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service Criminal Investigation Division ( IRS CID ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. \nTo further substantiate the claim that XXXX XXXX XXXX XXXX XXXX have, do not hesitate to provide the information requested within the time frame allotted to settle this matter as quickly as possible. You may contact me only when providing the required information listed above ; Any other communication attempts will be considered to be further attempts to criminally extort monies and will be reported accordingly. Please note that in the event of any legal action you will be required to provide the original ( XXXX ) of all documents which include wet ink signature ( XXXX ) at any hearing ( XXXX ) commencing from these communications ( or lack thereof ). Also note, that selling ( or otherwise transferring ) this account [ debt collection attempt ] prior to validation may constitute fraud and may result in a federal criminal \" This is an attempt to bring an action in court. Anything said or written will be used against you '' XXXX XXXX XXXX XXXXXXXX complaint under the XXXX XXXX and Corrupt Organizations Act ( XXXX ) listing XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as co-conspirators. \nNotice to Principal is Notice to Agent - Notice to Agent is Notice to Principal. \nSilence is acquiescence. Acquiescence is estoppels. \nSincere, XXXX XXXX ALL RIGHTS RESERVED CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Notice to Principal is Notice to Agent - Notice to Agent is Notice to Principal Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C., Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of Rights. \n\" This is an attempt to bring an action in court. Anything said or written will be used against you '' CERTIFIED MAIL # XXXX XXXX U.S.C. , Sec 1692 ( e ) states that a \" false, deceptive, and misleading representation, in connection with the collection of any debt '' includes false representation of the character or legal status of any debt. It \" This is an attempt to bring an action in court.\n\nAnything said or written will be used against you '' cert # further identifies as a deceptive practice any threat to take any action that can not legally be taken. \nThe notice you have sent omits information that is required to be disclosed, such vital citations as disclosing the agency 's jurisdictional and statutory authority. Said Notice further contains false, deceptive and misleading representation, and allegations intended to intentionally pervert the truth for the purpose of including one, in reliance upon such, to part with property belonging to them and to surrender certain substantive legal and statutory rights. To act upon this Notice would divest one of his/her property and their prerogative rights, resulting in a legal injury and invasion of privacy.\n\nPursuant to 15 U.S.C., Sec 1692 ( g ) ( 4 ) Validation of Debts. If you have evidence to validate your claim that the attached does not constitute fraudulent misrepresentation and the one owes this alleged debt to your entity, this is a demand that within XXXX ( XXXX ) days of receipt, you provide such validation and supporting evidence to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no jurisdiction to continue any collection activities. \nThis is constructive notice that, absent the validation of your claim within XXXX ( XXXX ) days of receipt, you must cease and desist any collection activity and are hereby prohibited from making contact through the mail, by telephone, in person, at my home, or at work. \nYou are further prohibited from contacting my bank, my employer or any third party. \nEach and every attempt of such contact, in violation of this XXXX, will constitute harassment, defamation of character and will subject your agency and/or board including any and all agents in his/her/their capacity, who take part in such harassment and defamation to a liability for actual damages, as well as statutory damages up to {$10000.00} for each and every violation plus further liability for legal fees to be paid to any counsel which I retain. Furthermore, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy and are also barred from reporting any derogatory information to any Credit Reporting Agency regarding this disputed purported debt.\n\nFinally, pursuant to the Fair Debt Collections Act, Title 15 U.S.C., Sec 1692 ( \" I'm reaching out to request validation of a debt associated with a specific entity. Please provide documentation, including contracts, records, and licenses, within ten days.\n\nFailure to do so will render the debt invalid, and further collection attempts may be considered criminal. \nPlease refrain from contacting me unless providing the requested information. \nThank you. \n\" This is an attempt to bring an action in court. Anything said or written will be used against you '' This is an attempt to gather pertinent information for a pending legal action and any information obtained will be used for that purpose. \nSilence is acquiescence. Acquiescence is estoppels. \nI hereby attest that, to the best of my knowledge and belief that the above information is true correct and complete. \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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9413870", "source": "cfpb", "group_id": "cfpb/a1d131486294e0c0c890", "variant": "clean", "length_bucket": "long", "chars": 8418, "company": "EQUIFAX, INC.", "date_received": "2024-07-03", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Was not notified of investigation status or results", "text_sha256": "a1d131486294e0c0c890150b18367a39be7a6cd383ef0f9886cfc38527a0822c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : \" ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented 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": "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/7321755", "source": "cfpb", "group_id": "cfpb/bb92cf274d9c7ad1738b", "variant": "clean", "length_bucket": "medium", "chars": 1448, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-07-29", "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": "bb92cf274d9c7ad1738b3b27108504a6fe1592ed741ae5bb0a2cf068536d0d54", "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 was given the final closing total in order to purchase my first home and told by the title company that we should have plenty of time for a wire transfer to be completed by the XXXX, the date of my closing. My XXXX primary accounts, those used for the approval of the loan, are through XXXX XXXX and American Express National Bank ( XXXX ), both of which are primarily online only banking instituions, which necessitated the use of the cash wire. I began an expedited transfer to deliver funds to my HYSA at XXXX XXXX on Tuesday, XX/XX/2023 after my cash to close had increased by about % XXXX from the inital closing disclosure early in XXXX. I planned to send the closing cash via wire in XXXX lump sum as to minimize the risk of a miscommunication or clerical error. \n\nI was initially told by customer service that the funds would be available within XXXX hours and that I would be fine to send the total wire early on Wednesday the XXXX and was assisted in drafting a wire for the total closing balance to ensure a swift delivery. The funds did arrive that next day, however I was then told by customer service that these funds would still be held until Friday, XX/XX/XXXX, invalidating the previous assurance that I would be able to use those funds as I intended in the wire request and nullifying the purpose of the expedited transfer. So I opted to alter the wire request to send the balance that was available to me within the XXXX and handle the rest of the closing balance via a cashiers check from my co-borrower. The customer service agent was very accommodating in making notes of urgency on my request and doing what limited things they could. \n\nEarly around XXXX the next morning, the XXXX, I utilized the XXXX XXXX customer service to check in on the wire and was told that the wire office had contacted my title company at XXXX that previous afternoon and that the title company would be able to call back via the number they had been contacted with. I was also told that they handle the wire requests as they receive them in priority, so mine should be handle with immediacy given that they had called the night before. Confused by this, I then messaged the title company who clarified that they did receive the message but that XXXX had called after the closing hours of XXXX XXXX for the title company so they were not around to complete the process and determined that the XXXX XXXX XXXX must be in the XXXX timezone as opposed to our XXXX \n\nAfter waiting for their office hours of XXXX XXXX, the title company, via the phone number they had received, and myself, through customer service, tried to get in contact several dozen times over these next few hours with the wire office. The title company kept me informed of the multitude of different attempts they made to connect with the wire office until their closing hours at XXXX XXXX. And for my own efforts, I talked with XXXX different customer service agents who were completely unable to reach the wire office, each sitting on hold for XXXX minutes minimum each at XXXX different times in the day. Each time during these attempts to make contact I was told that they were a small office and must just be too busy to talk with their own customer support. \n\nI do not understand this. This is a well accredited national bank with XXXX hour customer support. There did not seem to be any way for them to make contact internally outside of making notes on my account and the intial wire request before it was submitted. And there did not seem to be any way for the customer support to even check in to see that anyone was even in the wire office on that day whatsoever. I do not even know if the wire office is more than a single person given that we were completely incapable of reaching anyone within that department or clarification on why my title company was also unable to do so. I also have no knowledge as to if, or why, my wire request seemed to be pushed to a lower priority after XXXX had contacted the title company outside of their operating hours with no regard for the time difference, despite the wire request listing both the home address and title office within the XXXX timezone. \n\nThe wire was finally completed on the morning of Friday, XX/XX/XXXX. This has resulted in me needing to both reschedule with the title company and seller to sign the closing documents again on Monday, XX/XX/XXXX, as well as costing me several XXXX dollars in additional closing costs, lost time to correspondence, and frustration and embarrassment over a process that is supposed to be usually swift, though less frequently utilized today. \n\nThroughout this process I talked with several very capable agents, who each worked to the best of their ability allowed by their position, and would place no individual blame on them. But the XXXX wire department is either so seriously undermanned, lacking oversight or adequate mediation capabilites, or so un-supported by the financial institution, that it begs the question as to why XXXX still offers a wire service whatsoever if that team is unable to handle the changing volume of requests they do receive in the supposedly small and very busy department. Customer service should not be made to waste time and manpower assisting XXXX requests from clients to just check in with another department. Certainly not when those same people could be trained or certified to fill in and assist the wire department if they do end up semi-regularly unreachable and overburdened. Certainly not when their customer service centers offer XXXX hour support but their wire department operating hour 's can't even cover the operating hours for the timezones of 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7989615", "source": "cfpb", "group_id": "cfpb/fbd0ba40731456c538d1", "variant": "clean", "length_bucket": "long", "chars": 5693, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2023-12-12", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other service problem", "sub_issue_raw": "", "text_sha256": "fbd0ba40731456c538d19d091cce7b9cdba79908cfafa01fa4becbe03c652784", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Please see the following : I applied for a new account for a Chase Southwest Airlines card after being told by a representative promoting the card at the airport kiosk that I would be eligible for the bonus points even though I had a Southwest card in the name of another business. They stated that since its a different taxpayer ID and completely different corporation, I would be eligible for the promotion. After applying and spending the the required amount I receive a postcard in the mail from Chase saying I'm not eligible for the bonus. After multiple attempts to explain the case to Chase, they never addressed the deceptive practice of telling a customer they are eligible to convince the customer to sign up for a card they otherwise would not have signed up for. Now, after spending the required amount and having another inquiry on my credit report and all the negative things corresponding with opening a new account, chase refuses to honor the XXXX point offer. There are only two explanations, either Chase is deceptive or Chase is incompetent in training the staff.\n\nI just request that Chase honor the promotion and stand by the info given by their representative aggressively marketing their card at the airport kiosk. Thank you. \n\nXXXX XXXX, Chase Card # XXXX XXXX Dear XXXX, Please be aware of the following : a ) you did not address an agent of Chase and Southwest provided what you are now deeming incorrect information. I asked and was specifically told that I was eligible for the bonus because the account was for a different business all together. If you do not stand by this, then this account was opened under fraudulent pretenses. I will have no choice but to file a CPFB complaint if you do not address this issue. \n\nb ) even in this email below you provided inconsistent information. another representative stated that it was 24 months from receiving a bonus. You state its 24 months from an account closure date. It is clear Chase has no idea and its representatives and agents are poorly trained.\n\nc ) if this was clear, there would have been NO way I would have opened another Chase account. There are only two options here, either Chase is deceptive or incompetent. In either case the customer who's now spent nearly 10,000 on this card should be granted what was promised. \n\nPlease response within 24 hours so we both can avoid the CPFB process. \n\nXXXX -- -- -ORIGINAL MESSAGE -- -- - Hello XXXX XXXX My name is XXXX and I am an Account Manager within our Secure Message Center. It is my pleasure to assist you on your Southwest Reward credit card. We understand your rewards are important to you. I will be happy to provide additional information.\n\nWe are sorry you went back and forth with Chase and Southwest. We have found that you recently had a Southwest Business account. In order to be approve for another account bonus offer you would have to wait 24 months from the date the account was close. We understand you would like for us to honor your request, unfortunately we would not be able to honor the bonus offer. We hope you understand this decision is the same for all cardmembers. \n\nIf you have any questions or concerns, please call us anytime. \n\nWe appreciate your business and thank you for being a Chase customer. \n\n\nSincerely, XXXX Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX:XXXX Spoke to multiple Chase and Southwest employees regarding the denial of the XXXX promotional points. The last call was with XXXX. Chase had requested a message from SWA stating that the kiosk person at the airport promoting the chase credit card gave incorrect information regarding eligibility for an additional card under a different tax ID. The message was that as long as the card was under a new SSN or Tax-ID then it would be eligible for the bonus points. It was under that pretense that I applied for the card ending in XXXX. Back and forth on the phone, Chase accused southwest employees of giving incorrect info, and Southwest has stated that those are actually Chase representatives that provided incorrect info. Nonetheless, me, your mutual customer applied and spent on a credit card that if I were given correct info, would not have done so. Therefore I am requesting that card XXXX be eligible for the promotional points as we have spent considerable money on this card already. Thank you. If you have other questions please listen to the phone call recorded with your representative XXXX in XXXX. \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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3184281", "source": "cfpb", "group_id": "cfpb/5f3981697c755e897017", "variant": "clean", "length_bucket": "long", "chars": 4519, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-03-19", "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": "5f3981697c755e8970175203d70fe0b908a9f71bd62c7b31cc5924552b91de84", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I deposited a check issued from our insurance company a couple months back when and didn't know I had to get an endorsement. We acknowledge she is at fault for that, but this whole situation is being overly complicated by XXXX in the first place. \nXXXX comes, our car is repaired, and we prepare all the necessary documents XXXX needs to resolve this dispute. Last week, we were finally able to collect all of them and send them over, just to find out despite sending all the documentation they require, they still don't want to authorize payment. Now, our insurance company won't reissue a copy of the check because the check is cleared and suspended, our bank won't release the funds because they are protecting themselves from legal liability, and XXXX won't authorize the check, because they are being stubborn I guess. We haven't had this car in months, haven't defaulted on payments, haven't defaulted on our contract, and since this vehicle is leased, I imagine it's in their best interest to also have this vehicle repaired. \nI've done everything in my power to rectify this situation, but the only thing I can do from here on out is take legal action. We've wasted days, talked to multiple reps, gotten our bank and insurance company to talk to these people, been given ample misinformation, and nothing has been resolved 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": "vehicle_loan", "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/6666359", "source": "cfpb", "group_id": "cfpb/2faacb9c122e889f4412", "variant": "clean", "length_bucket": "medium", "chars": 1352, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-03-08", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "2faacb9c122e889f4412fdb9121edbce18d61b7ba954d2935c17c39cf5236f43", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "hello i was in accident and the bank they new i was on XXXX had low income and barly can make the payment they plotted with the insurance comapny and refused to help with car and i am still struggling to pay this loan i have no money i am XXXX and very poor they are forceing me not to pay so they can repose the car and take the vechile they refusing to help me ower the payment i am going into debt into a hardship and basically runing me dry of money they let the insurance cancel my policy with out care they basicly pointed the finger on me they left it off for 8 month the car insurance and poltted with them to leave insuras off for 8 month not telling me they cancelled the insuras not notfiyed me about them removeing it they are still haveing me pay for car loan XXXX the car was over priced XXXX for 95 % more then the car is frist off that price gruge this was not my fualt XXXX XXXX this guy was driveing on the other side of the road and i was XXXX XXXX  me had camera and is being handle buy a lawyer they are abuseing this contarct and me the consomer the contract they have they are abuseing it have done nothing to help me EXCEPT try and repose REPOSSESION my car they are abusing me and being loan comapny they sold a car that is actully unsafe to drive that make me qestions them more and had the car company send letter ABOUT RECALL TO THAT VECHILE makeing a statement THIS VECHILE IS RECALLED AND MAJOR SAFTY ISSUE HOW AM I BEING STUCK WITH THIS IDK THEY REFUSED TO SPEAK TO MY LAWYER AND REFUSED TO LOWER THE PAYEMNTS THEY REFUSED TO DO ANYTHING THEY WANTED TO SCREW ME THEY DID WHAT NEXT NOW IM OUT XXXX MONTHLY THNAKS AWFUL BANK AND THEY KEEP GIVING ME FALSE INFORMATION AND REPORTING FALSEINFORAMTION TO CREDIT COMPANY WERNT THEY JUST SUED FOR THIS?? PLEASE HELP ME THIS PEOPLE ARE SCAMING ME IT NOT GOOD", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8479026", "source": "cfpb", "group_id": "cfpb/42501f9386179b0f5192", "variant": "clean", "length_bucket": "medium", "chars": 1830, "company": "SANTANDER HOLDINGS USA, INC.", "date_received": "2024-03-04", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "42501f9386179b0f5192df7790d010c109874b2cf6cbd5dda17832ca33e9886f", "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  To Whom It May Concern : My name is  XXXX   XXXX . I am contacting you due to an issue I most recently faced with F ed Loan Servicing.  I am a     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX . I have an extensive amount of  Student Loan d ebt for receivi ng multiple d egrees,  XXXX , and two  XXXX  degrees. This last year I have been making payments on my student loan under what is considered to be  an Incom  e Driven Repayment Plan. M y first payment was made on     XX/XX/XXXX  of {$ 240.00}. I made this exact payment of {$240.00} for a total of  12 paym ents. This payment amount was based off both my spouses and my yearly income. We provided all necessary information to  Fed Loan i ncluding  XXXX  and Paystubs. My wife and I now have    XXXX   XXXX  ,  so my wife has now gone to part-time employment from full-time employment. Being that she is working less, and our yearly income has decreased and is significantly less our payment amount on this loan should have decreased as well but this was not the case.     Before I provide you with a detailed timeline of my experience with several  Fed Loan representatives. I want to make you aware that my wife and I were making   this current payment of {$240.00} while she was bringing in a part-time income. We have made many sacrifices along the way to ensure that we made this minimum payment so that we in fact were fulfilling our end of the obligation and eventually doing so in that we receive the rest of my student loan debit forgi ven in ten y e ars or 120 payments. Pl ease refer to the following time line to understand the specifics of this issue : At the begi nning of  XX/XX/XXXX  I  resubmitted salary and income information to recalculate my monthly payment. Being that now my wife and I were bringing in less income we were told by a representative that based off the most recent information we provided we would have a payment of {$180.00}. We were informed that this would not be processed until the next billing cycle and to make th e     XX/XX/XXXX   pa yment the current amount that we were paying until t  his was processed, which we did.\n XX/XX/XXXX  a  t  XXXX    XXXX   I received an email from  Fed Loan st ating that my recalculated monthly payment was now {$420.00}.       XX/XX/XXXX  I  contacted  11 people th roughout the day to address my concern with this new calculated payment.    1.   XXXX  Employee ID #  XXXX  :  XXXX    XXXX    ( 44 min ute Call ) Stated that not all of my spouses loans were calculated and that only  5 out of 10 we re showing. She stated that this was a mistake on their end, but she would reprocess my monthly calculation ( which by the way would take an additional billing cycle ) so that I would get the monthly payment of {$180.00}. I explained to her that I could not wait another billing cycle being that I was having such a hard time making ends meet, I would need this mistake processed now before the next billing cycle. She stated that she was going to put me on Administrative Forbearance until this was processed, which I immediately denied and requested to speak to a supervisor. After a very long wait I was told that she could not get t he Supervisor   XXXX   Employee  ID #  XXXX . However, she would call me back.     2.  XXXX   I w as not able to get his Employee ID #.  XXXX   XXXX  (  32 minute   call ) I called back and spoke to this gentleman because what the prior representative said to me did not make sense and I felt as if I was not being listened to. After explaining my story to  XXXX  he said that there was nothing he can do so I requested a Supervisor. He said that one would call me back.     3.  XXXX   Employee  ID #  XXXX  :  XXXX    XXXX   (  6 minute ca ll  )  This  Supervisor was  rude, disrespectful, and would not listen to my issue.  XXXX  stated that she talked to  XXXX  the other supervisor. She said that I have been making the wrong payment for the last year. The best she could do was {$400.00}. The new recalculated payment was final. She said there was nothing she could do and to make the payment or face the consequences. I requested to speak to someone that was the next level up. She said no I couldnt do that and stated that I would have to call the  XXXX  number again.     4.  XXXX  Employee ID #  XXXX  :    XXXX   XXXX    (  45 minut e call ) I explained the whole situation to him again. He took a few moments and said that the payment amount should be less because I was in fact showing a decrease in my yearly income. He stated : This doesnt make a lick of sense. He said he would get me to a Supervisor and that if I was not getting the help I needed to request for a re-escalation.     5.  XXXX  Employee ID #  XXXX  : Stated that this issue was due to tax deductions and that they do not look at last year. At this point I knew I was not getting anywhere so I requested a re-escalation 6.  XXXX   Employee  ID #  XXXX  : I was then sent back to  XXXX , who proceeded to laugh at me. She said there was nothing she could do. I pleaded for her to just hear me out and that none of this was making sense. She proceeded to talk over me and eventually hung up on me.     7.   XXXX  Employee  ID #  XXXX   XXXX   XXXX   ( 1 hour 1  2 m inute call ) Was very helpful, listened to my concerns, and was apologetic for what I was experiencing in my prior calls. She gave me a monthly payment of {$230.00}. She did not agree with   XXXX   amount and stated that she was wrong. She said that she would now send me to a supervisor to take care of this issue immediately.     8.  XXXX   Employee  ID #  XXXX  : I was unaware if this was the first supervisor that was suppose to call me back and/or the one  XXXX  spoke to at first. She said she was going to look at my account closely and put me on hold for a very long time. She came back to say that the payment was going to be {$420.00}. I explained to her that my yearly income decreased significantly and that I was given multiple payment amounts at this point, which was significantly lower. She stated that I spoke to   XXXX    Representatives who   have the same calculator as I do They were wrong and that I was making the wrong payment for the last year. However, they would let it slide and I will now make this new payment. At this point I felt so disrespected and violated that I stated I would have to contact a legal  advisor  to help me with this matter to which her reply was go ahead and do it and you will be audited. I then requested to speak to another supervisor.     9.  XXXX  Employee ID #  XXXX  : I was sent back to  XXXX  once again. She started the conversation saying oh this is you again, laughed and said I told you there is nothing else you can do, make the payment.  ( She didnt confirm any of my id information to even know that she was talking to me ) I stated this to her and she said I knew it was you. Began to yell at me saying that she was the highest person in command and that I was not able to ta lk to anyone else. She hung up on me again.     10.  XXXX  Employee ID #  XXXX  :  XXXX   XXXX  (  56 minut e call ) I called back to the main customer service line. I explained my situation as well as my experiences with this matter again. She said she was going to transfer me to an escalation representative.     11.  XXXX   Employee  ID #  XXXX  : Reviewed my past call history and issue for a good moment of time. Came back on the line and stated that the best payment was {$370.00}. That the mistake was on their end, I was making the wrong payment amount the last year. I explained to her that I was quoted multiple times with amounts that were significantly lower than that. She stated that I should do forbearance on my loan. She was the representative that supplied me with the contact information to the management team at   Fed Loan.       From this information, you can see the mental torture I was put through today. My issue was not resolved and was told that it was a mistake and now I am required to pay whatever amount they tell me. I agreed to a payment that was {$240.00} based of the yearly income I provided. That was my agreement, which I committed to. I scraped by the last year fulfilling that obligation and when I was able to recalculate my payment based off a yearly income that was significantly lower I was told that it was a mistake on  Fed Loans e nd and now I am stuck to face the consequences. I have   XXXX   XXXX   XXXX   and a house payment, which I got once I knew my loan amount was {$240.00} based off of that current yearly income amount. I am now told that it was a mistake on their end and I will have to deal with it. I am hoping that this letter brings me the justice that is owed to me, a loan customer who has fulfilled his end of the obligation and agreement. I will begin to seek legal counsel if this payment is not adjusted to fulfill the agreement that was made based off the yearly income provided in the first place. Thank you for your time.        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/2482042", "source": "cfpb", "group_id": "cfpb/ed0e933d84dc4cd40105", "variant": "clean", "length_bucket": "long", "chars": 9028, "company": "AES/PHEAA", "date_received": "2017-05-11", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "ed0e933d84dc4cd40105f26cbdeca4d3c2fc7ecc46092a11ab1a9bc5da12f7ee", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": ". Aloha. My name iz XXXX XXXX, i waz seeking guidance about particular loanz on the live. chat option of the personal. loan section of the Wells Fargo website. with an. agent named \" XXXX '' when he terminated. the chat. claiming .that. 'due. 2. the. nature of this conversation ' he could no longer \" proceed ''. i am filing this complaint 2 affirm. that. my wordz were relative 2. subject and. that. the representative discriminated against me based on. my income. status. Furthermore, when. the chat. waz unceremoniously cut short, the option 2 'rate. this experience ' ( i.e. \" did 'XXXX XXXX answer my question ) - Waz malfunctioning. This waz a very. serious. setback for my. company and haz compounded both the problematic nature of approaching a lender and. maintaining a sense of dignity at. the. same. time. i will appreciate. the response you would prepare for me and. am reachable @ 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/2838886", "source": "cfpb", "group_id": "cfpb/7d5b65aec77578e417cf", "variant": "clean", "length_bucket": "short", "chars": 909, "company": "WELLS FARGO & COMPANY", "date_received": "2018-03-09", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't contact lender or servicer", "sub_issue_raw": "", "text_sha256": "7d5b65aec77578e417cf1ee9c7518a639da7c281c4a21aae550a7707ea5cbbc9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Complaint : Preditory Lending Car Loan XXXX XXXX XXXX XXXX XXXX, AL Date of Loan : XX/XX/XXXX Financial Institiution : XXXX  XXXX  Account # : XXXX XXXX XXXX XXXX XXXX amount financed : {$30000.00} APR : 9.29 % Loan Duration : 72 months Monthly Payment : {$560.00} I had lost my job 1 year before ( XX/XX/XXXX ) the loan and my wife and I were struggling with our finances. Our only vechicle ( XXXX XXXX XXXX ) and at the time it was have some mechanical issues and we were in an emergency replacement mode. I was under so much strees at the time but, I had to have a vehicle in order to work. XXXX XXXX took my XXXX  in trade ( est. {$9000.00} ) and still financed the loan at more than double of the value. Given my age of XXXX yrs old I couldn't find work in my field and was suffering from a finacnical hardship and XXXX XXXX took advantage of my vulnerablity.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3447653", "source": "cfpb", "group_id": "cfpb/06934e350cb8a8a879fb", "variant": "clean", "length_bucket": "short", "chars": 864, "company": "NISSAN MOTOR ACCEPTANCE COMPANY LLC", "date_received": "2019-11-22", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with the interest rate", "text_sha256": "06934e350cb8a8a879fb438368a97bcc8b3eccd07b37261a42bc90024f18a5fb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/19 disputed Transworld System Acct # XXXX for the XXXX XXXX. I paid money to them when and I had insurance. I was told to pay an amount before I even had XXXX and Ive never received anything else from them. Ive attempted several times to get a copy of the invoice from transworld they told me that the collector that sold the account to them. Didnt provide them with one and they would have to get it or I could call. I did that and nothing. Ive never seen an invoice in the amount of {$250.00}. And of the account was sold to the collection agency why dont they have one? I dont know how they have provided any proof when I havent received anything as of yet and its damaging my credit. I feel that it should be removed since they can not provide the information. Ive been getting the run round for over a year. I dont feel I should have to pay something that 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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3450714", "source": "cfpb", "group_id": "cfpb/8cead0fb8e1aad3deb8a", "variant": "clean", "length_bucket": "short", "chars": 884, "company": "TRANSWORLD SYSTEMS INC", "date_received": "2019-11-26", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "8cead0fb8e1aad3deb8a9919f2890f163f52d18f2db47048084a960470ae5dff", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been affected by the recent allegations against Navient regarding my loans as well. My loans were originally with another creditor and transferred to Navient. As early as 2007 I have fallen under all poverty income guidelines for all government agencies and/or have attended school at various places. Instead of offering deferments, or offering with income driven repayment plans, I too have been offered economic hardship deferments, where my interest rates have continued to soar. They would capitalize interest and let it build.I am now paying monthly out of pocket to an accredited online learning institution because I can not afford otherwise to attend school. I can not afford to pay the payments each month requested while not in the IDR plan. They have request XXXX per month out of my XXXX income which supports XXXX people in my household. I also work for XXXX for over 15 years and this was never asked of me and loan forgiveness ever discussed either. I feel this is unfair and I will have to pay thousands in interest that could have been avoided.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2315429", "source": "cfpb", "group_id": "cfpb/c40d8bc3ef1b07084366", "variant": "clean", "length_bucket": "short", "chars": 1068, "company": "Navient Solutions, LLC.", "date_received": "2017-01-28", "product_raw": "Student loan", "issue_raw": "Can't repay my loan", "sub_issue_raw": "Can't get flexible payment options", "text_sha256": "c40d8bc3ef1b0708436689f8d2e487fd2efdf774a72be56059a762c1fd9d46b4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2885507", "source": "cfpb", "group_id": "cfpb/2f93c6367a77e475547d", "variant": "clean", "length_bucket": "short", "chars": 1105, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2018-04-25", "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": "2f93c6367a77e475547d137e1980be340dcd6780e687de00e5e8d051ba798280", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX of 2019 I entered into a contract with Mid-Atlantic Finance Company. XX/XX/XXXX2019 I began having mechanical issues with the car and ended spending close to XXXX in repairs in which I sent the repair bills, pictures to Mid-Atlantic. XXXX XXXX, 2019. \n\nE-mail Correspondent between Mid-Atlantic and I from XXXX XXXX 2019 ; XXXX XXXX XXXX XXXX XXXX XXXX, 2019, XXXX XXXX  to me XXXX XXXX , I see a XXXX XXXX   payment for {$400.00} pending, this leaves you with a remainder of {$23.00} due to late charge fees. Your next payment will be due on XX/XX/XXXX please make sure the full past due amount is covered within the month which will be {$430.00} if no other late charge fees are applied. If you need to make arrangements for your XXXX payment contact m eat ext XXXX to discuss further. Thank you. \n\n\nCar problems begin in the middle of XXXX at which time I ask for an extension that was met with wanting additional information required from the mechanic. I was asked to provide mechanic contact information which I sent. This led to me being late on my payments and I asked for an extension again in XX/XX/XXXX2019. In XXXX I also asked why my payment was so high in that I made payments and was given a breakdown from Mid-Atlantic. \nThroughout the month of XXXX, emails were exchanged regarding extension XXXX XXXX XXXX XXXX XXXX 2019, XXXX XXXX to me Received, thank you for the update. \n\nXXXX XXXX. \n\nAccount Servicing Department Mid-Atlantic Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX ) XXXX xXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2019, XXXX XXXX  to XXXX Hi XXXX , I spoke with my Mechanic yesterday and he said I would need to physically come into the shop and sign the invoice. I will be going over there this afternoon to pick up the invoice and send it over. \n\nXXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  to XXXX Hi I sent over proof of receipt but have not heard back. Can you please provide me with an update. \n\n\nXXXX XXXX XXXX XX/XX/2019, XXXX XXXX to me We have been attempting to reach you but no answer, please contact our office. \n\nHi XXXX Can you please give me a call, I need to make a payment on my car. \n\n\n\nXXXX On Tue, XX/XX/XXXX 2019 at XXXX XXXX  XXXX XXXX XXXX XXXX wrote XXXX Hi XXXX, I have paid XXXX+XXXX on car parts and awaiting the last part to arrive this Thursday. I can catch my car note up on XX/XX/XXXX 2019, and will have no problem paying my car note on time. Please let me know if this is okay. \n\nXXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX2019, XXXX XXXX to XXXX Hi XXXX I could a few times to make payments but it went to voice mail. \n\nCan you please give me a call? \nXXXX XXXX -- Sent from XXXX Mobile XXXX XXXX XXXX Mon, XX/XX/XXXX 2019, XXXX XXXX  to me XXXX/XXXX/19 {$600.00} conf # tel-XXXX This was supposed to not only catch up on my payment in XXXX as well as payments to resume in XXXX. \n\nHere are the emails : XXXX XXXX XXXX Tue, XXXX XXXX, 2019, XXXX XXXX to me XXXX, Please contact me as I would like to discuss arrangements on your account for this month. ext XXXX. \n\n\n\nXXXX XXXX. \n\nAccount Servicing Department Mid-Atlantic Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX ) XXXX xXXXX ) XXXX xXXXX  XXXX XXXX XXXX XXXX Tue, XXXX XXXX, 2019, XXXX XXXX  to XXXX Hi XXXX , I just called you and it went to voicemail. \n\nXXXX XXXX XXXX Founder/ Real Estate Broker XXXX XXXX XXXX  XXXX . \n( XXXX ) XXXX In XXXX I received an email from a different customer service rep from Mid-Atlantic saying that I needed to resubmit proof of car repairs. I explain to XXXX that I had already sent proof : From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX 2019 XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Mid Atlantic Finance XXXX , I didn't realize Mid-Atlantic was seeking my vehicle. I just made several payments on this vehicle and the payment is not due yet. Nor did I receive any phone calls or messages. I would not purposely ignore any calls regarding my car. I depend on this car for work. \n\nXXXX On Fri, XXXX XXXX, 2019 at XXXX XXXX  XXXX XXXX XXXX wrote : XXXX I need you to remove our vehicle out of the garage so that we can pick up our collateral. We have tried to reach you by phone several times you have ignored all of our calls further actions will be taken if this is not done asap Thanks On Mon, XX/XX/XXXX 2019, at XXXX XXXX  XXXX XXXX XXXX wrote XXXX I need proof that you paid {$1700.00} to the repair shop XXXX XXXX XXXX Department Mid-Atlantic Finance Company XXXX XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX I sent over proof again and also made a payment of XXXX plus fees. \n\n\nXXXX XXXX XXXX XXXX Fri, XX/XX/XXXX2019, XXXX XXXX to XXXX  The person who sold me the car said she called her rep and my account is showing I owe XXXX Can you please explain how I now owe XXXX yesterday you sent over my payment history but it does not make sense. I can pay XXXX today. I have to get a tire and rim on the car. \n\n\nXXXX -- Sent from XXXX Mobile XXXX XXXX XXXX Fri, XX/XX/XXXX 2019, XXXX XXXX to me You are short on the payment I told you to make you will need to pay the other {$66.00} asap or you will not get the deferment the repo driver was at the tire shop I told them to leave because you were going to pay need that payment today or i will have to release the hold MAF_Logo-EMAIL XXXX   XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX 2019, XXXX XXXX  to Shavonna Thats all I had after the XXXX fee and the XXXX for a tire and rim. I am seeing if I can borrow the rest now. \n\n\nOn Fri, XX/XX/XXXX 2019 at XXXX XXXX  XXXX XXXX XXXX wrote XXXX You are short on the payment I told you to make you will need to pay the other {$66.00} asap or you will not get the deferment the repo driver was at the tire shop I told them to leave because you were going to pay need that payment today or i will have to release the hold MAF_Logo-EMAIL XXXX XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX XXXX Sent : Friday, XXXX XXXX, 2019 XXXX XXXX  To : XXXX XXXX XXXX XXXX : Car Payment The person who sold me the car said she called her rep and my account is showing I owe XXXX Can you please explain how I now owe XXXX yesterday you sent over my payment history but it does not make sense. I can pay XXXX today. I have to get a tire and rim on the car. \n\n\n\nXXXX -- Sent from XXXX Mobile This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. If you have received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hardcopy. This communication may contain non-public information about individuals and businesses subject to restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information. \n\n-- Sent from XXXX Mobile XXXX XXXX XXXX Fri, XXXX XXXX, 2019, XXXX XXXX  to me Okay you can call in to pay that with a visa or master card {$66.00} + {$6.00} = {$72.00} MAF_Logo-EMAIL XXXX  XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Re : Car Payment Thats all I had after the XXXX fee and the XXXX for a tire and rim. I am seeing if I can borrow the rest now. \n\n\n\nOn Fri, XX/XX/XXXX2019 at XXXX XXXX  XXXX XXXX XXXX wrote : You are short on the payment I told you to make you will need to pay the other {$66.00} asap or you will not get the deferment the repo driver was at the tire shop I told them to leave because you were going to pay need that payment today or i will have to release the hold MAF_Logo-EMAIL XXXX  XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX )  XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX XXXX Sent : Friday, XXXX XXXX, 2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Car Payment The person who sold me the car said she called her rep and my account is showing I owe XXXX Can you please explain how I now owe XXXX yesterday you sent over my payment history but it does not make sense. I can pay XXXX today. I have to get a tire and rim on the car. \n\n\n\nXXXX - XXXX XXXX XXXX Tue, XX/XX/XXXX 2019,  XXXX XXXX  to me You have until Friday to pay {$66.00} if I do not receive this payment repo hold will be reopened MAF_Logo-EMAIL XXXX  XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX Sent : Friday, XXXX XXXX, 2019 XXXX XXXX  To : XXXX XXXX XXXX ' XXXX Subject : RE : Car Payment Okay you can call in to pay that with a visa or master card {$66.00} + {$6.00} = {$72.00} XX/XX/XXXX I was told the payment was one amount and then in XXXX I was told the payment was lower : Mid-Atlantic continued to give me false information pertaining to the amount of money which is actually owed on this car. Here is the email from XX/XX/XXXX 2019 : XXXX XXXX XXXX XXXX XXXX, 2019, XXXX XXXX  to me Okay thanks, i can defer payments but I will need you to pay {$810.00} Right after I made the payment a few days later my mother passed away and I forgot to pay the XXXX. They were not willing to work with me nor allow me to make the XXXX payment. I begged XXXX to work with me and received nasty emails staying they didn't care and I need to pay XXXX or lose the car. Over the past few days, my account was given to another rep who NOW says the payment is XXXX and I need to pay it today. They are refusing to work with me. As of today, they are demanding their collateral. \nPLEASE HELP! \nXXXX 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": "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/3486839", "source": "cfpb", "group_id": "cfpb/23c93878317124077d67", "variant": "clean", "length_bucket": "long", "chars": 9970, "company": "Mid-Atlantic Finance Co., Inc.", "date_received": "2020-01-06", "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": "23c93878317124077d67f8f25f91142a12a2f89923280f29e2212935d0fa36e6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Please note that this matter is urgent as I am being charged over {$10000.00} for an item that even after 1 year I have never received. \n\nTD Retails Card Services- Manages YARD CARD YARD Card is used by several specific Merchants XXXX XXXX is one of those Merchants Here is the timeline : I spoke with XXXX at XXXX XXXX about ordering a swim spa. \nXXXX Discussed swim spa. XXXX the rep urged me to sign urgently because was he was leaving for the day. I would receive a XXXX part contract to sign. \n\nXXXX I signed XXXX part of contract. When XXXX part came I told him the purchase was not feasible because a crane wasnt included. I asked to cancel and did not pay the balance due of {$1400.00} to finish the purchase. \n\n\nXXXX I texted XXXX to cancel. XXXX sent me texts saying he was going to force me to move forward XXXX I emailed the store to cancel and called the store. \nNo response. \n\n\n\nDISPUTES a. XXXX XXXX I contacted XXXX XXXX the XXXX creditor they opened a credit line for me in the amount of {$17000.00}. XXXX XXXX informed me they had to investigate. Their investigation turned up that Yard Card charged me illegally before even shipping me the item The dispute was closed and decided in my favor on XX/XX/XXXX. \nXXXX YARD CARD A vastly different experience. \nXXXX XXXX XXXX a rep at Yard Card She stated my case could take 90 days and offered no real help or problem solving. \nXX/XX/XXXX I called back and spoke to XXXX asked where is the dispute form XXXX said I would receive. Met with more attitude and contempt. \nXX/XX/XXXX XXXX XXXX another unhelpful agent who dismissed my statement that I have never received this item and item was never ordered. \nXXXX Called back card still has balance status of dispute? At this point I still had not received the letter with who allegedly handled the dispute. I have NEVER received this letter as of right now the time of me writing this letter. \nXXXX Spoke with XXXX. She informed me the dispute was decided in favor of the merchant and that the merchant responded that I did not ask to cancel. THE MERCHANT WAS NEVER EVEN ASKED TO PROVE THEY HAD A VALID CONTRACT WITH ME OR HAD SHIPPED ME ANY ITEM!!! \nXX/XX/XXXX TT XXXX again and informed her I still have not received the letter she said I would receive informing me of who to contact regarding this dispute. XXXX was once again dismissive ignoring the fact that after XXXX days I was still being charged for an item that I NEVER RECEIVED! \nXX/XX/XXXX XXXX XXXX XXXX. Gave me upper management email to send this issue to. XXXX she is not sure why the claim was decided in the merchants favor but I would need to submit the enclosed dispute form nevertheless. \nXXXX XXXX XXXX XXXX Contacted XXXX XXXX spoke with XXXX she said she would look into this. XXXX informed me that XXXX, the salesman who refused to cancel this transation is no longer with the company. \nXXXX I sent XXXX all pertinent emails and texts from myself and XXXX. \nXXXX XXXX confirmed that after XXXX days no order is being processed for me. YET XXXX XXXX HAS {$10000.00} FROM YARD CARD FOR AN ITEM NEVER ORDER AND NEVER SENT! \n\n\nAs of today over XXXX later this item is being reported to my credit and I have NEVER received this item. \n\nTD retail XXXX XXXX failed to even ask Outdoor Solutions if an item had been ever sent to me. They have irresponsibly closed multiple disputes that I have submitted with no justifiable reason. \n\nKey points : - XXXX left key disclosures about regarding delivery until after being signed. \n- XXXX had no right to cancel clause - Contract indicated item is a \" vehicle ' when it is not. \n- No proper financing disclosures provided - No consideration was made/no payment made- No item received - No proof any item was ever even available or ordered. \n- XXXX XXXX Financing for item was canceled due to non delivery - Many other consumers have reported online that XXXX XXXX is a scam company with junk products and YARD CARD XXXX just be supporting the scam. \n\nI have attempted to call the merchant directly. I have recorded calls. The merchant refused to talk to me and said I can only email. I have requested proof of ordering and that they even had the item. All emails have been ignored. \n\nXXXX : - TEXT MESSAGES TO XXXX TO XXXX XXXX - RCS CONSUMER XXXX DISPUTE FORM", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9464808", "source": "cfpb", "group_id": "cfpb/c375b7e567336659a922", "variant": "clean", "length_bucket": "long", "chars": 4285, "company": "TD BANK US HOLDING COMPANY", "date_received": "2024-07-09", "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": "c375b7e567336659a9223e5a68f4a31b113416bc6550c0d109cf02a069c765f0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Detailed Account of Fraud Incident and Chase Bank 's Handling On the night of XX/XX/year>, at XXXX PM, an unknown individual hacked into my FanDuel account. Within XXXX minutes, they conducted XXXX unauthorized transactions, totaling {$9400.00} from my Chase bank account into XXXX. The transactions began with a {$25.00} withdrawal, followed by XXXX {$100.00} withdrawals, and another {$25.00} withdrawal after the {$100.00} attempts started to decline. They then attempted to make XXXX {$900.00} withdrawals, and a final {$5500.00} withdrawal. I discovered this activity on XX/XX/XXXX, around XXXX PM, and immediately contacted both XXXX and Chase. \n\nXXXX confirmed the fraudulent activity and reversed the transactions. They removed {$10000.00} from my XXXX account via manual adjustment and emailed me to file an ACH related fraud dispute with my bank in order to recover the funds. Heres a detailed timeline of my interactions with Chase : 1. XX/XX/XXXX, XXXX XXXX  : Discovered fraudulent transactions and contacted XXXX, who told me their accounts team would be in contact pending their internal investigation. \nXXXX. XX/XX/XXXX : Went into a local Chase branch to discuss the situation and was told to call fraud department. Called that night and filed an initial fraud claim with Chase over the phone. This claim was intended to cover all transactions. However, they only included XXXX of the XXXX transactions. XXXX began reversing/declining the fraudulent transactions. \nXXXX. XX/XX/XXXX : XXXX completed their investigation, confirmed the fraud, and sent me an email telling me to file a dispute with my bank in order to recover funds. I added this email to my claim. \nXXXX. XX/XX/XXXX : Chase denied my initial claim, citing prior authorized transactions with XXXX. I had clearly stated in my initial claim that I had previous valid transactions with XXXX, but these XXXX transactions were unauthorized. I was never given a provisional credit. I called Chase customer service 4 times after this. The first XXXX Chase agents said their was nothing that could be done, regardless of the email confirming fraud from XXXX. The XXXX Chase agent I spoke to heard about the conclusion XXXX made and reopened the claim, adding in notes that I had previous business with XXXX, and not to resolve the claim based off of that as had been previously done. \nXXXX. XX/XX/XXXX : Even with notations and additional evidence, including an email from XXXX confirming the fraud, Chase denied the claim again for the same reason ( Prior authorized transactions with vendor ). I called Chases fraud department multiple times, explaining the situation and emphasizing XXXX confirmation of fraud. I was then told that policy dictated that it could not be reopened, as it had been looked at twice. This was regardless of the fact that an error likely occurred. \nXXXX. XX/XX/XXXX : Visited a Chase branch and explained the situation to a branch manager, who escalated the case. The manager assured me I would be able to communicate directly with the fraud team to ensure the evidence was reviewed, as it was a fully escalated case. She also added another note to the file that I had prior authorized transactions with XXXX, as well as faxing in copies of all evidence to ensure that it was seen during review. \nXXXX. XX/XX/XXXX : Received a call from XXXX, which I missed, informing me that the claim was denied again, citing prior authorized transactions once again. The denial letter itself was dated the day before, on the XXXX of XXXX. I was never given the chance to communicate about my claim, as the call I received was after it was closed. \nXXXX. XX/XX/XXXX : I was able to speak with a customer service agent in the fraud department. They informed me that I needed to seek out a refund from the Merchant, along with confirming that the evidence was not considered, as their claims department was dependent on an algorithm to make the decision. It was also confirmed that Chase did not reach out to XXXX regarding my claim at any point. \n\nThroughout this process, Chase failed to adhere to Regulation E guidelines : Misclassification of Transactions : Ignored clear evidence and documentation, repeatedly citing prior valid transactions as the basis for denial. \nFailure to Investigate Adequately : Relied on algorithms without reviewing submitted evidence or contacting XXXX for verification. \nImproper Handling of Error Resolution : Did not provide provisional credit, and there was no meaningful communication or follow-up investigation. \n\nXXXX recovered the fraudulent funds and explicitly instructed me to seek reimbursement from Chase for the given situation. Despite this, Chase consistently closed my claims without proper investigation, leaving me to bear the full financial loss.\n\nAccording to Regulation E and Chases own terms and conditions, Chase is responsible for : Investigating the claim promptly and thoroughly. \nCommunicating the status and resolution of the claim in a timely manner. \n\nShifting the responsibility to the merchant is not appropriate, as the bank has the duty to protect the customer and handle unauthorized transaction claims. \n\nAs of XX/XX/year>, I have received no resolution or reimbursement for the $ XXXX in fraudulent transactions. Chases repeated denials and failure to follow proper procedures under Regulation E have left me financially burdened and without recourse. \n\nPlease feel free to reach out with any questions, or if there is anything I can do to 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": {"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/9506296", "source": "cfpb", "group_id": "cfpb/42350896e6b42fa83fc5", "variant": "clean", "length_bucket": "long", "chars": 5502, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-07-15", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "42350896e6b42fa83fc5cfea9439154b4c3a8a074bac2c5af9aac373d92d7827", "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 am writing due to a gross increase in loan balances listed on FSL website which occurred while my loans were being serviced by Navient. I took loans out from XX/XX/XXXX-XX/XX/XXXX in the total amount of {$83000.00}. This is the accurate accounting of the loans I took which were a combination of subsidized and unsubsidized loans FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD  UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$9800.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$5000.00} XX/XX/XXXX {$5000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD  UNSUBSIDIZED {$2500.00} XX/XX/XXXX {$2500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} FEDERAL PERKINS {$660.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD  UNSUBSIDIZED {$450.00} XX/XX/XXXX {$450.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$2600.00} XX/XX/XXXX  {$2600.00} {$0.00} {$0.00} {$0.00} This is the complete list found on FSL Website indicating the  amounts due after accrued interest while with Navient. \n\nLoans Please click on numbers in first column to see details including point of contact. \nType of Loan Loan Amount Loan Date Disbursed Amount Canceled Amount Outstanding Principal Outstanding Interest 1 DIRECT CONSOLIDATED UNSUBSIDIZED {$110000.00} XX/XX/XXXXXX/XX/XXXX {$110000.00} {$0.00} {$110000.00} {$1000.00} 2 DIRECT CONSOLIDATED SUBSIDIZED {$61000.00} XX/XX/XXXX {$61000.00} {$0.00} {$61000.00} {$42.00} 3 FFEL CONSOLIDATED {$90000.00} XX/XX/XXXX {$90000.00} {$0.00} {$0.00} {$0.00} 4 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} 5 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 6 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} 7 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 8 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$9800.00} {$0.00} {$0.00} {$0.00} 9 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 10 FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} 11 FFEL STAFFORD UNSUBSIDIZED {$5000.00} XX/XX/XXXX {$5000.00} {$0.00} {$0.00} {$0.00} 12 FFEL STAFFORD UNSUBSIDIZED {$2500.00} XX/XX/XXXX {$2500.00} {$0.00} {$0.00} {$0.00} 13 FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} 14 FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} 15 FEDERAL PERKINS {$660.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} {$0.00} 16 FFEL STAFFORD UNSUBSIDIZED {$450.00} XX/XX/XXXX {$450.00} {$0.00} {$0.00} {$0.00} 17 FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} 18 FFEL STAFFORD SUBSIDIZED {$2600.00} XX/XX/XXXX {$2600.00} {$0.00} {$0.00} {$0.00} Total DIRECT CONSOLIDATED UNSUBSIDIZED {$110000.00} {$1000.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$61000.00} {$42.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total FFEL STAFFORD UNSUBSIDIZED {$0.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total FEDERAL PERKINS {$0.00} {$0.00} Total All Loans  {$170000.00} {$1100.00} Based upon the amounts SHOWING above, it appears as though the initial loan amounts of {$83000.00}, with interest, is now totaled at {$170000.00} ( {$170000.00} + {$1100.00} ). This is entirely impossible as {$89000.00} of interest would be unfeasible especially since a good many years since XX/XX/XXXX, my loans were in multiple forms of deferment ( and some forbearances ). \nI am unclear as to how the amounts due are {$110000.00} for Unsubsidized AND {$61000.00} for Subsidized Loans. Obviously, through multiple lenders and loans being sold, erroneous and possible illegal actions were used to increase the totals. \nThese show added interest and costs of {$82000.00} most of which was accrued during forbearances with Navient. I had been given repayment options of $ 300- $ 500 monthly with Navient which I could not afford at the time so I had to use forbearances for these loans. \nI am currently in repayment of my loans with XXXX XXXX and would graciously ask for some assistance in rectifying this matter of being charged exorbitant rates of interest since Navient made it impossible to set up reasonable and manageable payment plans. \n\nThank you very 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/2692155", "source": "cfpb", "group_id": "cfpb/8f6399d521098e31e13d", "variant": "clean", "length_bucket": "long", "chars": 4967, "company": "Navient Solutions, LLC.", "date_received": "2017-10-03", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "8f6399d521098e31e13df8f2c29490c19786972027d6e69afe42fc0c700ae65a", "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 had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1362949", "source": "cfpb", "group_id": "cfpb/2f5bdb9614aa2a50922c", "variant": "clean", "length_bucket": "medium", "chars": 1486, "company": "Navient Solutions, LLC.", "date_received": "2015-05-06", "product_raw": "Student loan", "issue_raw": "Can't repay my loan", "sub_issue_raw": "Can't decrease my monthly payments", "text_sha256": "2f5bdb9614aa2a50922cc787be8190dab6d538adb698968b8ad2ba7b3941bc9c", "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 received correspodence from Citizens/Charter bank through CFPB there are missing payments not listed on the payment history sent. There were two payments one for {$250.00} and the other for {$500.00}. those two payments are missing. Brought the balance down to {$2000.00} in XXXX. Also there was a complaint for XXXX regarding default. I paid the monthly payment after i paid the principal of {$1400.00} was defaulted. Stated that the bill was never going to go away and I quote. This also was sent to CFPB. Requested a XXXX discharge for Citizens bank. Stated in their correspodence that they were no payments. I will get a copy of a police report if necessary have to prove it's theft first", "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/4436387", "source": "cfpb", "group_id": "cfpb/63a9d27786d6ba431ed8", "variant": "clean", "length_bucket": "short", "chars": 708, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2021-06-06", "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": "63a9d27786d6ba431ed8e69c25c46a8784cb12b2f372de74f817431cce0a6302", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had NEVER missed a timely payment until Bank of America returned my check in XXXX XXXX, and has not allowed me to make any payments since. \nHistory:XX/XX/XXXX, I signed a contract with Countrywide for a Home Equity Line of Credit for {$65000.00}. My last withdrawal was XXXX/XXXX/XXXX, at which point I owed {$65000.00}, for which I was paying interest only for a XXXX year period, with an option to remain interest only for another XXXX year period. After the first 5 year period, I received a notice from Bank of America that said I would be going into repayment. That may have been because I was a Countrywide customer. I called to let them know I did not have the income to XXXX my payments. I applied for loan modification then and was denied ; they agreed I did not have the income to increase my monthly payment. At that time, I was told I would have to default on my current loan before I could get help. Therefore, I went on a search for someone with the authority to review my situation and grant me the option to continue paying interest only. \nI was told Bank of America is the loan servicer and I had to contact the investor, which I did XXXX, XXXX, but still have never received a response. I have the signature card proving my letter was received. I was told several times since then, that a copy of the investor letter would be sent to me, but to date I have not received XXXX. \nDuring this time, I continued to pay interest only and wrote a note on each payment stub that my payment was for interest only and my account is under review while waiting for a response. \nI was not asking for anything that is not already available. To continue paying interest only was an option in my contract, and is an option in the Bank of America rules for the same time period of a loan to their HELOC customers. \nOn XXXX XXXX, XXXX I received a notice from Bank of America that appeared to be a scam letter stating time is running out to avoid foreclosure but not too late to apply for an alternative. I called Bank of America fraud department only to find out they had actually sent that notice, and had already filed for foreclosure. After XXXX phone calls I was told the only thing I could do was reapply for loan modification. So I did. \nThen, on XXXX XXXX, XXXX, I was served a complaint. Unjustly so, as I was waiting for results regarding the loan modification as well as the reply from the investor. I called the \" Attorneys for Plaintiff '' but the person I spoke to would not tell me how to proceed except that I had to give a response. I could not get clarification on what that means exactly, so I wrote an explanation and filed it. \nIn XXXX XXXX, after six months of sending paperwork as requested and many phone calls, I received a letter stating I do not qualify for XXXX loan modification programs ; none of which are for Home Equity Line of Credit. \nI was told to reapply. I asked for payment option information so I could make an informed decision as to what I should do. The Customer Relationship Manager ordered the information XXXX times over the next XXXX months, and could not understand why she could not obtain the data. \nIn XXXX XXXX, I received a letter stating I no longer have a single point of contact. No information and no answers. \nXXXX XXXX, XXXX, I received the Court approved motion for first extension of time to file pretrial statement. \nThe fact that Bank of America has forced me to default on my loan and is asking the court to allow them to purchase my home is suspect. I feel they have mismanaged my Countrywide Home Equity Line of Credit. That is another reason I was denied the XXXX loan modification ; because I would not refinance my XXXX mortgage. \nI would like to pay the contracted amount due of {$65000.00}, and ask the Court to dismiss all other unknown charges and fees. I understand the loan mismanagement and predatory behavior is a separate issue.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1548443", "source": "cfpb", "group_id": "cfpb/0e6715f0ab0fa601b81d", "variant": "clean", "length_bucket": "medium", "chars": 3908, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2015-09-02", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "0e6715f0ab0fa601b81d2edb4a0d212912fdaa46b33105bff3b4d8c56c540bc8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This complain is directed to Chase bank. My wife and I have recently been targeted by hackers trying to take money through our accounts, most recently through our accounts with Chase. While supposedly the bank offers \" zero liability fraud protection '', they are declining any attempt to report fraud and hiding behind what they say is that our IP addresses were used. However, these are not our transactions and IP addresses are easily spoofed. There are three general claims that we need help on. The first is a business account and the other two are personal. \n\nAcct ending XXXX ( XXXX XXXX ) - On XX/XX/XXXX, the first XXXX transactions filed on this new account were XXXX, and XXXX taken through XXXX separate XXXX transactions XXXX \n( business account ). We had recently moved to Chase, after being targeted with online Fraud, we moved our bank accounts from XXXX XXXX to Chase. We then corresponded with our old bank, XXXX XXXX to setup an autopay on the account for a mortgagee still there and immediately, had XXXX moved out of a brand new account at Chase in the amount of {$4000.00} through XXXX. We had never setup XXXX on this account and these were the first transactions in the account. We immediately reported this to Chase. The suspect used XXXX different IDs in making the XXXX payments to themselves : XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX. The daily maximum for XXXX XXXX and they took exactly that much from the account. The case number is XXXX and they declined to refund back the stolen money and told us there is no way to appeal. This money was stolen and the reason Chase is using is that it was our IP address -- which it was not. XXXXXXXX XXXX also automatically put XXXX on this account -- when we never specifically opened it for this account. A police report was filed for this. \n\nThe second Personal account ( ending XXXX personal account ) - On XX/XX/XXXX, we had some latest fraudulent activity- XX/XX/XXXX. We had XXXX transactions- XXXX for {$100.00} and another for {$10.00} from XXXX XXXX XXXX. The third transaction tried to go through in the amount of {$650.00} luckily because Chase flagged it as fraud. So we need to have the fraudulent amount of {$110.00} returned to us. We have since locked all debit cards at this point. However, in addition to these new claims -- we are seeing an earlier set of claims on this account now being reversed where Chase had originally given us provisional credit. On XXXX XXXX XXXXXXXX XXXX was sent in the amount of {$100.00} ( to XXXX ). Then {$300.00} ( sent to XXXX ), and another {$100.00} ( to XXXX ) and {$100.00} ( XXXX ). XX/XX/XXXX, they provided a provisional credit back. But now we are seeing them starting to be reversed - on XX/XX/XXXX in the amount of {$100.00}. This amount needs to be returned and no further reversals should be done, as these amounts were not authorized by us. \n\nOn our son 's account, XXXX XXXX, ending ( XXXX ) - account items were reversed on XX/XX/XXXX after putting in the claims for a number of transactions that were noted someone that had gotten access to his cash app that was linked to his checking account. The original balance was {$2700.00} on XX/XX/XXXX. When the fraud was noted, there was a balance transfer to create a new account from the original fraud account from XXXX XXXX. After providing an initial provisional credit, Chase did nothing to help us -- and simply reversed back the entire set of transactions that were marked as fraudulent. There is now a negative account balance of {$2100.00}. We need Chase to overrule these reversals, as they were fraudulent charges not made by our son. \n\nOverall, Chase is not standing by us as customers and whether it was XXXX fraud on a business account of cash apps that somehow got access to our debit card, Chase simply declines any attempt to report Fraud citing that our IP address was used. In speaking with XXXX XXXX today, they said that this is very common and that hackers are spooking IP addresses regularly. These activities are clearly not in our spending history and we have no other recourse by to turn to the CFPB to help. \n\nThank you for your help in this matter. I can be reached at XXXX and my cell is XXXX. -- Sincerely- XXXX XXXX XXXX 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": "unauthorized_transactions", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/9446081", "source": "cfpb", "group_id": "cfpb/5827216e7d69127a0260", "variant": "clean", "length_bucket": "long", "chars": 4235, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-07-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "5827216e7d69127a0260a40a57129248745ab1d3d63f763537049a4ab59ed6fd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I guess that the easiest way to explain this is with a timeline. \nXXXX Chime Financial freezes/locks access to my bank account. I called Chime and asked why this was, their reply was i may have violated one of the policies or because of suspicious activity. I asked specifically what triggered this, they stated that i had recieved an electronic funds transfer, approximately 1 to 2 weeks prior, in the amount of {$13000.00} and {$3000.00}. They stated that i was to provide a copy of my drivers license, social security card, a letter recieved within 6 days and proof that the EFT was intended for me, who it was from with the dates and amounts of the EFT. I explained that one of my email accounts had been compromised and i closed that account in question. This email ( XXXX ) was not only linked to my chime account but to my XXXX account, which is where the EFTs were from. Because they were linked to ny XXXX i also closed that account just in case it may have been compromised as well so i did not have any documentation on hand in regards to these deposits.. i also had explained that i needed the email they had on file for me to be changed to XXXX. The said they had submitted the request and i needed to email all the requested copies as well as explain the situation regarding the email and it would be ok. I emailed the copies of my license and social security card. For the letter, i provided them with a letter that i recieved 2 days prior from Chime. It was the letter that had contained my Chime credit card ). I explained the situation regarding the documents about the deposit in the content of the email. When i sent the email, i received an automatic response stating that they had recieved the socuments and were in process of reviewing them. This was at approximately XXXX ( XXXX ). \nXX/XX/2022 at approximately XXXX I called and spoke with XXXX to follow up on the status of my account. I was told that it was still under review. I asked if there was someone i could speak to to expedite this process, but i was told that the department in question wasnt taking any calls and that the only way to communicate with them was via email. At this point, i am becoming agitated and replied with asking what they would consider as communication because from where i stood that i was the only party that was doing any communicating. I had to call to find out that my account was restricted. I had to call to follow up on the status of my account and at no point did i see anything that ressembled an attempt of Chime Financial initiating any contact whatsoever. I further explained that i was now aggrivited about the situation and was starting to think about seeking legal consul. The representative stated that he would have the situation escalated and to give them until the end of the day. I agreed. \nXX/XX/2022 at approximately XXXX i emailed XXXX XXXX XXXX and informed them of my situation. I explained that the funds that they transferred to my account were considered suspicous and i asked if they could provide me with documentation stating that those funds in question were intended for me. They provided a statement and i forwarded it to Chime. \nXX/XX/2022 at approximately XXXX ( XXXX ) - I called Chime Financial and spoke with XXXX XXXX At this point, Im upset. I explained the situation to XXXX and applogized ahead of time if it seemed that i was angry with him further explaing that i was meerly upset at the situation and the way it was being handled. He stated that there was nothing else he would be able to do. I asked if he could transfer me to someone that could or to a supervisor. He then transfered me over to XXXX whomi assume was a supervisor. I explained to XXXX the situation and that i was now seeking legal consul and that i was now going to seek restitution for time loss because at this point I had spent several hours on the phone trying to resolve this, i was also now seeking reimbursement for late fees and penalties because of a direct result of my funds being on hold because the intended purpose of those funds were to pay for some bills. Now, i had to divert funds from another account to pay for those bills. I also incurred additional late fees and penalties because the money that i diverted from my other account were meant for other bills. Those bills now were past due and incurred penalties. I explained that in my course of seeking legal consul, i came across similar claims but those claims were part of a class action law suit and i would not enjoy sitting in a court room, but if put in a position where i needed to that it was something i was willing to do. I asked why I was the only party among 2 parties that was communicating any information concerning this and that it just seemed like Chime was trying to keep my money which was rightfully my money. She said she would further escalate the matter and to give her some time. I told her that i woild be willing to give chime until the end of day XX/XX/2022. After this deadline, if things were not satisfactorily resolved that even if the account was to become reinstated after said deadline that i would continue with proceeding with the legal process and then seek restitution for not only the amount thats in the account, but also everything that i stated prior We are now XX/XX/2022 and there has been no change to the situation and i have run out of funds. The deposits that Chime is flagging as suspicous were stimulus payments for my rent from a nonprofit ( XXXX XXXX XXXXXXXX ). The amount in the bank account in question is somewhere around {$2000.00}.", "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/5897995", "source": "cfpb", "group_id": "cfpb/3ebc6ca7402b985e83d0", "variant": "clean", "length_bucket": "long", "chars": 5586, "company": "Chime Financial Inc", "date_received": "2022-08-19", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "3ebc6ca7402b985e83d0fad4af6db2cca4c9627be2edf043ccaf7010b6a6675b", "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 loan from XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I let the loan default and in XX/XX/XXXX I started working to resolve the debt with the company. At the time, XXXX XXXX had informed me that the servicing and collection of the debt was sent to a company called XXXX XXXX, now known as XXXX XXXX. XXXX XXXX and I began working on the account, setting up a payment plan, on which I made regular installments. In XX/XX/XXXX I made a payment to reach an agreed upon settlement of a total of XXXX paid towards the debt, and they informed me that would be considered settled in full for less than the amount due. They sent me a letter saying as such and I thought the issue was resolved. Shortly thereafter, I received numberous calls and letters from a company called XXXX XXXX XXXX  stating they were the legal collector on behalf of XXXX XXXX XXXX, that they had been hired by XXXX XXXX directly to collect on the debt, that no payments have been made, and my debt was still outstanding. I sent them documentation from XXXX XXXX, they made to effort to correct the error. Following that I contact quick cash directly, who informed me that they have no association with wakefeild and associates in any way, and that they had sent the account to XXXX. I filed a complaint, and forgot about the issues until recently. in XX/XX/XXXX, I was trying to improve my credit and get a loan from a local institution and they asked that I get a release from Wakefield. having forgotten about the situation I called them and inquired about the debt, and was reminded of this. Nothing has been done. Wakefield stated that I still own the debt, that XXXX XXXX is still contract them, nothing has changed. \n\nI reached out the XXXX XXXX again, they again stated they had no association with Wakefield and that all information was with the collection company XXXX XXXX, the new name of XXXX XXXX. I paid my debt, I don't want to pay it again to a fraudulent company that refuses to listen to reason. Wakefield and associates is either lying out right, or working off of very outdated and incomplete information, and has damaged my credit for the past 5 years as a result. I 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": "debt_collection", "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/2824635", "source": "cfpb", "group_id": "cfpb/94dd5878504ff7f27ec4", "variant": "clean", "length_bucket": "medium", "chars": 2175, "company": "WAKEFIELD & ASSOCIATES, INC.", "date_received": "2018-02-24", "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": "94dd5878504ff7f27ec4504d4e2c628d9813fb3e28980674f1603787f3010382", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My loan is serviced through Navient. To my understanding, you are in the middle of a lawsuit with them and I completely agree with all of the grievances that you 've made. If there is any way I can provide information about this case, please let me know. \n\nThe first issue I have is that Navient deliberately postponed my loan payment without me knowing the ramifications. Although I asked them to do this in order to process my Income Based Repayment Plan ( IBR ), I was not aware that I just used the only time I could pause my loan payments without gaining interest. It felt very deceptive. \n\nThey did n't even ask if that was okay to pause my payments, they just did it and told me that I would start paying after my IBR plan was processed. If I was aware that pausing would use my only chance to do this without accruing interest, I would not have had them pause my payments. All in all, it felt that they were just trying to get me to use up my one time to pause in order for them to make money on interest if I paused in the future. \n\nI also received notifications about my loans to an outdated email address that I had changed and confirmed with them before. So Navient sent me information about my IBR plan to an old email address that I had changed with them over the phone, so I did n't receive it. \n\nAll of this is just frustrating because they make it seem like it 's easy for me to manage my payments ; however, I feel deceived and wronged at every turn. I just want clarity - and when they deliberately use my penalty-free payment pause without my permission and send notifications to an old email address that I knew I changed, it feels deceptive.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2295080", "source": "cfpb", "group_id": "cfpb/3d51147c8c34ef75bd9e", "variant": "clean", "length_bucket": "medium", "chars": 1663, "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": "3d51147c8c34ef75bd9e0958a679d38f3b93dc6632f972db074605b0e12b1728", "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 NY XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Ny XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed 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"}, "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/9974514", "source": "cfpb", "group_id": "cfpb/7c31acc927d07e7dcc6a", "variant": "clean", "length_bucket": "medium", "chars": 1963, "company": "EQUIFAX, INC.", "date_received": "2024-08-31", "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": "7c31acc927d07e7dcc6a5c6fbdc7702b574c50277896519bfdad08b9f60f34bc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am disputing several credit errors on my report. I have made SEVERAL attempts to get this resolved through Fed Loan, ombudsman, FSA complaint, and I also contacted the credit companies. \n\n# XXXX XXXX XXXX XXXX Accounts need to be closed/PIF : Several Fed Loans are still showing up as active on my credit report through Fed Loan Servicer, thus my credit report incorrectly reflects DOUBLE the amount of student debt which has now impacted my credit. I took out a private loan through XXXX in XX/XX/XXXX. These Fed Loan accounts were paid in full in XX/XX/XXXX by XXXX private secured loan, but all 3 major credit reports are still showing up with a balance on Fed Loans of XXXX {$400000.00} ( see attached credit reports below ) Explanation : I formerly had a accounts/loans with Fed XXXX XXXX. ( See the attached documents as highlighted in the report for the accounts ). \n\nXX/XX/XXXX : I took out a personal loan to pay off the student debt through XXXX XXXX XXXX paid off these loans. ( See attached documentation/exhibit. ) This was finalized on XX/XX/XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I received a welcome letter from XXXX for the personal student loan. ( See attached document/exhibit. ) XX/XX/XXXX : On the same exact day, this loan was transferred to XXXX ( A Department of Education Servicer ) on part of the Fed Loan Servicer. ( See attached document/exhibit. ) XX/XX/XXXX : I received a Paid in Full status letter from XXXXFederal Student Aid that this was paid in full by my private loan through XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I made my first payment on the privately secured loan to XXXX. \n\n\n\n\nWho I Contacted -- timeline : Fed Loans : I spoke with Fed Loan Servicer on the phone on XX/XX/XXXX. They indicated that I had to fill out a form to have the information corrected I filled out and uploaded documents several times ( XXXX, XXXX, XXXX ) ; was sent the same form repeatedly to fill out, which I did, without any resolution I also sent them the form with all of the pertinent documentation via regular mail on XX/XX/XXXX FSA : XX/XX/XXXX : Filed complaint with FSA ; case number XXXX ; was received an email stating that I would receive a response within 15 days ; received no response XX/XX/XXXX : I contacted Ombudsman at FSA. The representative stated there is an open case. She is requesting an email be sent to me by the caseworker. \n\n\nCredit Bureaus : XX/XX/XXXX : I completed an online dispute form. They came back with results stating that I still had an open account, with open balance, see attached. \n\nXX/XX/XXXX : Sent regular mail disputes to all 3 credit bureaus via tracked XXXX mail XX/XX/XXXX : I contacted XXXX and they stated that the credit error needed to be fixed by Fed Loan Servicer, but they could see the open balance 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": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6135333", "source": "cfpb", "group_id": "cfpb/e6823233214fe38333cb", "variant": "clean", "length_bucket": "medium", "chars": 2819, "company": "AES/PHEAA", "date_received": "2022-10-27", "product_raw": "Student loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "e6823233214fe38333cb5383d8ff0527113927c3e8f71a8b54f845ca8df80881", "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 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 n i made this clear for XXXX 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 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 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 XXXXdays 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 XXXX days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old 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/6495878", "source": "cfpb", "group_id": "cfpb/b5bf320be94ffd064069", "variant": "clean", "length_bucket": "long", "chars": 5846, "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": "b5bf320be94ffd064069d2c93baa482859c7da676092a5f3544463e57f65c5e6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was shocked when reviewing my credit report and found a late payment on the dates below : Inconsistent dates below- 30 days late as of XX/XX/2018 ( XXXX ) 30 days late as of XX/XX/2018 ( XXXX  and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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": {"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/3162394", "source": "cfpb", "group_id": "cfpb/2ecda95199220986e451", "variant": "clean", "length_bucket": "short", "chars": 359, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2019-02-25", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "You never received your bill or did not know a payment was due", "text_sha256": "2ecda95199220986e4516fec1ae5c3428c27fdcf980ba98cbbb799627346b49e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On the date of XX/XX/2020, I signed a consumer credit contract with XXXX XXXX XXXX XXXX to purchase a vehicle. Westlake Financial was the assignee of the contract and was who immediately became \" indebted '' to after signing. In my ignorance at the time, I thought that by signing the document, I was receiving a loan to purchase the vehicle, which is supposed to be \" collateral '' for the auto loan. A \" purchase money loan '' is defined in 16 CFR 433.1 ( d ) as : \" A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Upon reviewing my contract, I certainly receiving a Finance Charge, but I never receiving a cash advance ( loan ) from anyone from anyone, nor does the contract make reference to anything that I was given for valuable consideration in return for my agreement to pay the assignee, Westlake Financial, monthly payments. It appears I've been tricked. Under ordinary contract law, consideration must be given by both parties. The seller, nor the assignee gave me anything. The vehicle is not consideration. It is merely collateral. \n\nI was harassed by the seller to pay a downpayment before I could be approved. The price of the downpayment jumped around until I finally agreed. This is a problem because according to 15 USC 1662, a creditor can not advertise a down payment in an amount that they don't usually and customarily arrange for.\n\nAside from the price of the vehicle, I was not given the terms of my payment arrangement and cost until after I committed to purchasing the product. Also, as a result, my credit was run by an unknown amount of potential \" finance companies '' who now have access to my social security account, aka my credit card ( see 15 USC 1602 ( l ) ). And by that time I had received, not only several Inquiries which dropped my score, but also a rediculously high interest rate offer of 20.89 %. According to the CFPB ( read UDAAPs examination procedures ) this is an unfair and deceptive act because this not only caused injury to me in several ways, but there was no way for me to avoid this injury without committing. The key question is not whether I could have made a better choice, but whether an act or practice hindered my decision-making.\n\nThe contract offer fails to contain the required \" holder in due course '' notice set forth by 16 CFR 433.2. The contract does contain the contents of the notice but it does not appear on its own and without qualification. Please see the following note from the FDIC : \" For those consumer credit contracts in which the Rule requires insertion of this specific contract provision, or Notice, the Notice will become a part of the agreement between the consumer and the creditor. The required Notice will be treated in the same manner as other written terms and conditions contained in the agreement. For this reason, >>>where use of the Notice is required the Notice must appear without qualification<<<. The requirement that a contract \" contain '' the Notice is not satisfied if the text of the Notice is printed in the contract in conjunction with additional recitals which limit or restrict its application. Where the text of the Notice is qualified by additional language, the contract fails to \" contain '' the required Notice. '' This means that taking this contract was deceptive and unlawful. \n\nLastly, the \" finance charge '' is the \" cost '' of the credit, which is also described in 15 USC 1605 as \" the sum of all charges ''. If I never received a loan, then why am I being required to pay the \" amount financed '' AND the finance charge. And why was I required to purchase insurance as a stipulation for me taking the vehicle instead of the insurance being included in the finance charge as TILA instructs. Again... it appears I've been tricked, hoodwinked, and bambooozled.\n\nIn addition to tricking me into signing a promise to be a financial slave, Westlake financial reported my one-sided promise to pay to my consumer reports ( All 3 ), and then began to furnish negative information about me when it was convenient for them. When I sent them a cease and desist ( USPS TRACKING # : XXXX, delivered XX/XX/XXXX, XXXX ) in accordance with 15 USC 1692c ( c ), instructing them to not communicate with me any more about the debt except by mail they persisted. The problem with this is that 15 USC 1692a ( 2 ) defines \" communication '' as \" the conveying of information regarding a debt directly or indirectly to any person through any medium. \". Communication through a consumer report is still \" communication '' about a debt. This is a blatant violation of the FDCPA. When I called them about the entries, they refused to remove it. Till this day, their entries still remain. \n\nI'll leave with this. It is a fact, that if I, a regular person, convinced or recruited someone to pay me money through an elaborate scheme involving a contract that was unfair, and a fake loan, and then ruined their reputation when it was convenient to me, someone from law enforcement might be looking 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6471329", "source": "cfpb", "group_id": "cfpb/0c0d2fca0730181440e8", "variant": "clean", "length_bucket": "long", "chars": 5330, "company": "Westlake Services, LLC", "date_received": "2023-01-22", "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": "0c0d2fca0730181440e8915c1a8a75cea76e1e1c0f2e9812a3a22bd5ad6f7725", "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, Virginia XXXX XX/XX/XXXX Consumer Financial Protection Bureau To Whom It May Concern, As your constituent, I write today out of a deep sense of frustration concerning the Financial institution as they target XXXX XXXX  to deny and disenfranchise for Housing, personal, business and Automotive loans. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted an advertisement no down payment with low interest rates. We applied for a loan for a XXXX XXXX XXXX {$16000.00}, with XXXX miles. On XX/XX/XXXX, my wife and I was approved for no money down with a low interest rate based on our credit scores XXXX, financed through Ally Bank, we called Ally Bank and was told our interest rate will be from 8.85 % to 11.99 %. \n\nMy wife and I are beyond disappointed in this dealership, more specifically, sales manager XXXX XXXX. This man attempted to come off as a trusted, charismatic individual, but essentially in my experience working with him, my opinion changed and he has lost my trust and respect. It appears this dealer is engaged in bate and switch and Predatory lending after shot-gun our credit to several lenders, which further damaged our credit report due to excessive inquires. While the finance department were completing the final documents, we took the car for a one mile test drive no problem found at this time, except, the left rear floor mat was split, Rear wiper blade broken, radiator reservoir was empty. \n\nI alerted the lot person of the issuers, he stated they will fix the problem. After the test drive, we were told to report to the finance department, where we was forced to signed the car financial document In seven minutes without any explanations to what we are signing. We was not told about the XXXX and XXXX XXXX XXXX XXXX on this car that we paid for. We drove sixty miles to our home to find out this car was Jerking and shifting very hard, I called XXXX and told him about how unhappy about this transmission situation, He asked me to bring the car in on XX/XX/XXXX to fix the problem, which the dealer should have checked during a service of this car. \n\nWhen we got home we are able to actual read what we signed and very disappointed as to how we got ripped off manly because they target XXXX XXXX in regards to situation like this. XXXX should be forced by the Federal Government for a transmission recall on the XXXX XXXX. We are asking the State and Federal Government to investigate XXXX XXXX XXXX XXXX for Predatory Lending, while using bate and switch tactics, while inflated the cost of the loan to {$19000.00} for 75 months interest over {$30000.00} when the car is paid off. \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": "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/6980483", "source": "cfpb", "group_id": "cfpb/22cb737990d83a632998", "variant": "clean", "length_bucket": "medium", "chars": 2668, "company": "ALLY FINANCIAL INC.", "date_received": "2023-05-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Confusing or misleading advertising or marketing", "text_sha256": "22cb737990d83a632998daf0acd19c204f4313a8b70e014779c806858f908da7", "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, my niece XXXX XXXX texted me : hey XXXX, so the student loan program you told me about isn't working anymore and I'm trying to call them and the phone is out of service. I Premier Student Loan Forgiveness - XXXX XXXX ( XXXX ) XXXX and received a message from the Consumers Financial Protection Bureau that on XX/XX/2019 the court entered a Preliminary Injunction against this company and this company has been suspended for further services until XX/XX/2019. The recorded message referred me contact my student loan servicer. In meantime, I received a notification in the mail from XXXX - US Department of Education informing me that my current payment due was {$0.00} and total due by XX/XX/2019 {$0.00}. The following week, I received a notification from XXXX dated XX/XX/2019 informing that my current payment due is {$2300.00} total due by XX/XX/2019. I called XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke to XXXX XXXX ID # XXXX and he informed me that Premier Student Loan has been identified as fraud. XXXX stated that he would email me documents to submit to defer payments at this time. On Monday, XX/XX/2019, I received this email from XXXX : By way of background, on XX/XX/2019, the Bureau for Consumer Financial Protection and the States of California, Minnesota, and North Carolina filed a lawsuit alleging Defendants violated various consumer protection laws by using deceptive practices and charging unlawful advance fees in connection with their student loan debt relief business. Also on XX/XX/XXXX, the Court entered a Temporary Restraining Order ( \" TRO '' ) which prohibited any further unlawful activity and appointed a Receiver to take possession and control of the businesses. The Receiver conducted an investigation, confirmed Defendants were engaged in conduct prohibited by the TRO and suspended business operations. \n\nOn XX/XX/2019, the Court entered a Preliminary Injunction continuing the terms of the TRO and the appointment of the Receiver. The Receiver has made the determination that the Receivership Defendants ' businesses can not go forward legally and profitably and therefore, the businesses have been closed. Copies of the Preliminary Injunction and the Receiver 's Preliminary Report can be accessed on the Receiver 's website at Caution-XXXX XXXX XXXX, under the Documents section of the webpage. \n\nWe recommend that you immediately contact your student loan servicer regarding the status of your loan. A list of approved student loan servicers can be found on the U.S. Department of Education website at : Caution-https : //studentloans.gov/myDirectLoan/additionalInformation.action. \n\nIf you don't have the contact information for your loan servicer, you can find it at studentloans.gov. If your loan payments were not made or your loan is in default, ask your loan servicer what repayment options are available for your loan. The Federal Student Aid guide ( Caution-https : //studentaid.ed.gov/sa/repay-loans # guide ) has information that may help you choose a repayment plan and learn about other options. \n\nWe have suspended consumers ' automatic payments, so no further withdrawals should be made from a consumer 's account. If that is not the case, please contact us at XXXX. \n\nAt this very early stage of the case, the Receiver is still conducting his investigation and marshalling the assets of the Receivership Defendants. If the CFPB and States prevail in the case, the matter of refunds will be an issue for the CFPB, States, and the Court to resolve. This determination is a long way down the road. Due to the volume of emails and calls we are receiving, we can not respond individually to each inquiry. As further information becomes available on the subject of refunds, we will post it on the Receiver 's website at Caution-XXXX XXXX XXXX. \n\nOffice of the Receiver After receiving this email, I called XXXX on XX/XX/2019 and spoke to XXXX XXXX ID # XXXX who followed up with the email from XXXX and confirmed Premier to be fraud and stated I would receive my documentations by email in two hours. I was referred to the Consumers Financial Protection Bureau lawsuit number ( XXXX ) XXXX and spoke to XXXX - Employee ID # XXXX who instructed me to submit my formal compliant online so I can upload all my supporting documents. I informed XXXX, XXXX and XXXX that prior to submitting my information and payments to Premier, I checked with XXXX XXXX XXXX, inquired through my resources from XXXX XXXX XXXX ( I am currently XXXX  in the XXXX ) and check with a judge through the XXXX XXXX XXXX to ensure that this was a legitimate company - everyone gave this company a green light. To be found in this situation is disheartening and I am hoping for a positive outcome and have this debt forgiven as promised -", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3464858", "source": "cfpb", "group_id": "cfpb/36cd7489092df234bf6d", "variant": "clean", "length_bucket": "long", "chars": 4774, "company": "Premier Student Loan Center", "date_received": "2019-12-11", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "36cd7489092df234bf6d5356c69c84a0100bbb2d0af0c37b38d9e7f46caa56cc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I bank with XXXX XXXX XXXX in XXXX XXXX, South Dakota and I sent XXXX to the XXXX XXXX XXXX citibank location on friday, XX/XX/XXXX for a vehicle that was never delivered. The customers website was XXXX and the beneficiary name was XXXX XXXX XXXX. Their account number is XXXX Routing number is XXXX Reference 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"}, "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/6275952", "source": "cfpb", "group_id": "cfpb/40879e5455b8341f3a3c", "variant": "clean", "length_bucket": "short", "chars": 324, "company": "CITIBANK, N.A.", "date_received": "2022-12-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "40879e5455b8341f3a3ceb4f1704bca56d37cf616df3728de2c72d09c5076005", "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 applied for a personal loan from the company upgrade, which also provided a special promotion when applying for this loan. Promotion details were, rather than pay 18.41 % interest on this loan, I could pay 13.94 %. If along with opening loan, I would also have to open up a checking account, and do one of the following, 8 transactions or keep a balance of {$2500.00} or have direct deposit of {$1000.00} into that new account within 90 days of it being open. Now I was only require to fulfill one out of those XXXXhree options, unknowingly I fulfilled two. \n\nHowever, Im only going to refer to one, the first option, the 8 transactions within 90 days. As soon as I received my new debit card which was one week from XX/XX/2022 ( the day I received my loan ), I began to use my card, religiously. Funded with direct deposit funds from my employment, I have used more than 8 times within 90 days. So as I mention prior, complete one out of three options, and my interest would be 13.94 % instead of 18.41 %. Im stating all of this, to not only show my understanding of what was required of me, but what was clearly stated in the loan agreement. \n\nOn XX/XX/2022, I received an amount of {$9300.00}. The loan amount was for {$10000.00}, but there was an origination fee of {$650.00}. The agreement : 36 months, monthly payments {$340.00}, 13.94 %. Seems simple enough, well I thought so. So fast forward, on XX/XX/XXXX, I check the the balance of the loan. By this time I had already made 3 payments, 2 full monthly payments totaling {$680.00}, and 1 additional payment of {$100.00}. Not much, just XXXX all together. So I was expecting to see sort a change on my loan balance, like in between {$8500.00} and {$8800.00} ( factoring the interest ). \n\nHowever, as of XX/XX/XXXX, my loan balance was {$9500.00}. Confused, I call immediately. One agent, seemed confused as me to why my balance high. Puts me hold for a few minutes, and tells me, its because there is a daily per diem, daily interest. I was even more confused, because I actually read the loan agreement, to make sure there was no predatory lending information, and there was no mention of any daily interest or per diem. I asked for supervisor, I get transferred to a team leader. \n\nWord of advice, do not expect to speak to a supervisor, do expect to be treated fair or be treated as human being, basically do not expect for you issue to be resolve with Upgrades customer service. Calmly, and with the upmost respect ( because I worked in customer service before, I understand ) I appealed to human nature of the team leader. However, all I received back is the same thing the other agent stated, daily interest. I asked her to point it out, she stated in my loan agreement, number 2 section B. Which states, b. Accrual. Interest on your loan will accrue and be calculated on a 365 day year basis for each full month and each partial month based on the Interest Rate disclosed below applied. \n\nThis a predatory company/lending service. The mistake I made was thinking it couldnt be, because they have other products like checking accounts. But this is officially a predatory lending company, if you call, you are in the wrong, not the company. I acquired this loan to help fix some issues during this pandemic and recession. Now Upgrade has given me another problem. I have called XX/XX/XXXX, XXXX and XXXX, yet no resolution, and no call back. Today, XX/XX/2022, I checked my loan balance, after my fourth payment on XX/XX/2022, my current loan balance as of today is XXXX. The evolution of evil- received {$9300.00}, after three full payments and one additional, current balance {$9200.00}. UPGRADE IS A PREDATORY", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5948912", "source": "cfpb", "group_id": "cfpb/c78d168354e26dcb891a", "variant": "clean", "length_bucket": "medium", "chars": 3693, "company": "Upgrade, Inc.", "date_received": "2022-09-04", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "c78d168354e26dcb891ad954898717741161a93c84f688715d12b73ba4df95d5", "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/XXXX I have initiated two international transfers at your branch in XXXX, GA, in person. The transfers have never been executed, the bank responded to an earlier complaint on the same issue with : * Allegedly they tried to contact me for more information. I have never received such a call. \n* That I should just try and transfer again, using the transfer PIN issued to be. \n\nWhilst it is correct that I have also requested a transfer PIN, allowing me to perform transfers, this PIN only arrived XXXX XXXX XXXX, and when I tried to first use it early in XXXX, it was no longer valid, according to the help desk, due to the merger between Suntrust and another bank, resulting in Truist XXXX \n\nI was informed by the helpdesk that I should contact the branch, which does not have to be in person, to have a new, valid PIN issued. I have sent several emails to the branch manager, however I have received no response. \n\nI have since tried to have a cheque issued and sent to me, unfortunately your internet banking solution does not allow a bank cheque being sent to a non-US address. My bank in XXXX has confirmed that they can honour such a check. \n\nThis leaves me in a position where I still can not transfer money, unless I travel to a branch again. I am XXXX XXXX, residing in 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": "money_not_available", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6570769", "source": "cfpb", "group_id": "cfpb/7bce11999be92f77f9ff", "variant": "clean", "length_bucket": "medium", "chars": 1302, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2023-02-14", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "7bce11999be92f77f9ff191507c46bd795829574749f9200a4785efb22f75d0d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Yesterday I deposited {$5000.00} cash via the ATM into my Bank of America business checking account. The ATM stopped functioning during the transaction and I have only been credited with a {$3600.00} deposit. The bank did not issue any receipt for my deposit. They said I would receive an email confirming the error and that it was being looked into but I have nothing. They said I would see some kind of credit to my account but I dont have that either. I have nothing in writing to confirm what happened or that the issue is being looked into. Basically I gave the bank {$5000.00} cash, and theyre only crediting me for {$3600.00} with no evidence provided to me that they acknowledge an error occurred. They have essentially stolen {$1400.00} 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": "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/5426449", "source": "cfpb", "group_id": "cfpb/bc6947fe0105b6e8e775", "variant": "clean", "length_bucket": "short", "chars": 754, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2022-04-08", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "bc6947fe0105b6e8e77511b5998047af287cea49ceae0ea12082ab463ebea585", "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 payment to someone who I thought was a legitimate seller online. Payment was sent but I soon figured out something was wrong and contacted cash app to try and recover my {$240.00}. Cashapp as an automated service for this. Not once did I get to speaks to someone and for days they left me with no update only to send a automated response the day the report closed, sorry cant help. There was no transparency here, no information on when or if they even tried to recover my money. I have also XXXX  my bank into the matter but they also have not provided an update as well.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5500500", "source": "cfpb", "group_id": "cfpb/9ca08112fbc64f17b7a5", "variant": "clean", "length_bucket": "short", "chars": 595, "company": "Block, Inc.", "date_received": "2022-04-26", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "9ca08112fbc64f17b7a52b871a5c06dbee6b80f73d26033c13d1e0992a0a6b30", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent money to my nephew who is a XXXX citizen and resides in XXXX. First, he was asked to bring his residency papers and passport, which he did the following day. When he went with his residency papers, work permit, and XXXX passport, he could still not access the funds from the post office. When postal service workers in XXXX called XXXX, they were told that the system is not set up to accept a XXXX passport that had been renewed at the XXXX embassy in XXXX. He was told if his passport had been renewed in XXXX, he would have no problem receiving the funds. All this time, I was calling Moneygram here in the US and being told he could access the funds. He could not. Moneygram refuses to refund {$4.00} I paid in transaction fees. \n\nI then tried to send the funds via XXXX on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the XXXX system required that I log on to my bank account and that failed XXXX times when XXXX would redirect me to log in. However, I could log onto my account using a different browser. I called XXXX and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a XXXX problem. This had never happened before in over XXXX years. XXXX had never directed me to log into my account from their site. \nI ended up adding my debit card that is tied to the same bank account onto XXXX XXXX account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account without using the debt card, the same transaction would have cost {$4.00}. I complained to XXXX and they have done nothing and refused to refund the difference. \n\nThank you. \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"}, "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/7774782", "source": "cfpb", "group_id": "cfpb/e53d1583cfafe8e2a8c0", "variant": "clean", "length_bucket": "medium", "chars": 1826, "company": "MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC", "date_received": "2023-10-30", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "e53d1583cfafe8e2a8c04ff62956de312dc15f141505d18dcdf0253f2788f77a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a XXXX loan that has a XXXX dollar balance remaining. Meaning I have NO  balance. Even if I did have a balance, loans have been paused by the government for the last 2 years. Despite both of these things, Aidvantage is showing my loan in default. I contacted Aidvantage last week as I can not access ANY of my loans on either Studentaid.gov or Aidvantage due to this default status. I was told the default status would be cleared within 24-48 hours. It is 7 days later and the status has still not been cleared. I have since made 3 additional phone calls which have resulted in more than 1 hour on hold waiting for a service representative and have still not been able to get back in contact with Aidvantage. This needs to be fixed immediately and also reported properly to the major credit reporting bureaus as well, as this default status has had an enormously negative effect on my entire financial portfolio.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5934043", "source": "cfpb", "group_id": "cfpb/aa5f0d2e674628cf957e", "variant": "clean", "length_bucket": "short", "chars": 919, "company": "Maximus Federal Services, Inc.", "date_received": "2022-08-31", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "aa5f0d2e674628cf957e168fed7a9e8c92f817b7e1e9faa50b3c99a7478ad0b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Since the dawn of ages I have had issues with PayPal. I have had multiple issues within months of each other, last one them holding over 5,000 $ in my account not letting me spend a dollar until they deemed me eligible even though I had verified myself and done all necessary steps into lifting the limitation off of my account. Had to call my lawyer to resolve and they finally did. \nI rarely use them but Im having issues with my new bank account where they let me somehow overdraft XXXX . \nI am using PayPal again, receiving payments, borrowing what I can when I can from friends and family during this hard time in the world, and I usually transfer the funds out onto XXXX, my other Prepaid banking card as I never have issues with them. \n\nWell its been going on 48 hours of my money being on lockdown from PayPal and I have tried messaging them and I can not get through to one person at all. I dont know what I need to do but I dont have any money and its all in PayPal. I want to withdraw my funds and close the account down as I am done with them but they wont even let me close the account. \n\nI need help as soon as possible as we have no food and nothing to get by on until this is over and I get back to work!!!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3602616", "source": "cfpb", "group_id": "cfpb/d9e5bc8cb1a552776222", "variant": "clean", "length_bucket": "medium", "chars": 1222, "company": "Paypal Holdings, Inc", "date_received": "2020-04-11", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem getting a card or closing an account", "sub_issue_raw": "Trouble closing card", "text_sha256": "d9e5bc8cb1a5527762224d95b31b5d0b5d5b24fd22d73e31b15b8f9ae06af706", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a collections agency harassing me in regard to the below fraudulent incident. I have filed a police report recently in hopes that the agency will leave me alone. This is a situation of identity theft / fraudulent transactions from my bank account. I refuse to pay this money that a hacker stole from me. \n\n\n\nI, XXXX XXXX, am writing this letter to detail a fraudulent incident that happened in XXXX of XXXX while I was visiting my home state of XXXX. \n\nI woke up on Friday, XX/XX/year>, and checked my phone. I noticed I had over XXXX emails in my XXXX app, all from the early hours of the morning. XXXX of these emails were from random online newsletters, travel sites, online shopping sites and several other random businesses. Each email was a welcome email basically thanking me for making an account with them or asking me to reset a password. I have had no relation with any of these sites before. My thoughts were that whoever hacked me was creating an online presence so they could get to the following : It was concerning when the last email that I read was a business which I had heard of before. This email which came at XXXX XXXX  on XX/XX/year>, was from a XXXX XXXX that requesting a two-factor authentication for log in purposes. Another email from XXXX XXXX followed that at XXXX XXXX  stating Deposit Successful in the amount of {$200.00} ( Deposit Reference # : XXXX ). A third email then followed at XXXX XXXX  stating Deposit Successful in the amount of {$640.00} ( Deposit Reference # : XXXX ). I still have these emails. \n\nI immediately checked my XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX and did not see any charges that were taken from my checking account. I assumed it was just a spam email but was going to keep an eye on it throughout the day. It was sometime in the late afternoon when I checked my banking app again and saw XXXX separate charges for {$640.00} and {$200.00}. I was pretty infuriated at this. \n\nI then immediately called my bank to report the fraudulent charges and since it was still in the processing stage, XXXX XXXX XXXXXXXX was able to reverse it and give me those funds back. I cancelled my debit card and then I was told that the deposit made to XXXX XXXX was an ACH charge, which meant that somebody got a hold of my banking information ( account and likely routing numbers ). I had to completely close my checking account, open a new account, move my money to the new account, order a new debit card, cancel any ACHs that I had set up online for cell phone bills, electric bills, Wi-Fi , etc. It was a headache of a process, but I was just glad that I saw this right away and was able to report the fraudulent charge and receive the money back. \n\nI also changed my XXXX password and my banking apps password as well. My next step was to reach out to XXXX directly. I messaged their customer service because after I flagged those XXXX charges with Bank XXXX XXXX, XXXX sent me an email at XXXX XXXX  on XX/XX/year>, stating they have temporarily suspended my account due to inconsistencies flagged by their system. They requested I submit the card that was used to deposit the funds, a photo of myself holding up a piece of paper with todays date and a valid state-issued photo ID. I responded advising them they need to cancel this account as I have never used XXXX and whoever created this profile was not me and they withdrew the funds from my banking account. They responded the following morning apologizing and confirming the closure of the account and mentioned all account closures are permanent and creation of another account in the future is strictly prohibited. \n\nI thought all was well and that the unfortunate fraudulent issue was resolved. However, on XX/XX/year> at XXXX XXXX, I received an email from InDebted who advised they are a collections agency hired by XXXX to work on their behalf to help resolve my outstanding balance. Apparently, XXXX is a deposit service associated with XXXX. The hacker who obtained my banking information and created a XXXX account must have used Trustly to make the XXXX deposits. \n\nI confirmed that InDebted and XXXX are legitimate companies. InDebted advised that because my XXXX XXXX XXXXXXXX had reversed those charges, XXXX was now out that money. I tried explaining the situation to them. I tried contacting XXXX again who said they couldnt help me. I tried contacting XXXX XXXX  XXXX who said it was out of their hands as well. They advised they could send me a piece of mail confirming the fraudulent activity and that my account has now been closed while they do their own investigation. \n\nInDebted advised before they can raise this dispute with XXXX, they require a police report or any supporting document, such as an affidavit, regarding this fraudulent activity. I forwarded them the document from my bank account which was an electronic record of statement of unauthorized ACH Debit Account/Transaction. This was sent on XX/XX/year>. \n\nAll was quiet and I thought everything was taken care of until InDebted emailed me again on XX/XX/year> stating they had received a response from Trustly regarding my dispute. They have informed them that they contacted XXXX once again, and XXXX has confirmed that there is no evidence of fraud associated with my account. XXXX has indicated that as a result, they can not take any further action and to resolve this matter, I would need to reach out to XXXX directly. I advised that I already had, and they were of no help saying there is nothing they can do. They advised they will keep on reaching out to me until the balance is settled. \n\nI inquired on what else I could do because at this point, having a collections agency on my tail for something that I had no control over is not only bothersome, but it could also affect my credit or show up on a background check if I am looking to buy property, volunteer, any background run by my employer, etc. They recommended filing and obtaining a police report documenting the fraud and then they will pass it along to XXXX for review again. I have also filed another complaint/ticket with XXXX support for this ongoing issue. \n\nAs I conclude my account of what transpired, I would like to reiterate and solemnly swear that I have never gambled with XXXX XXXX. My banking account information was stolen, and fraudulent charges were conducted. I should not be responsible for paying these funds. \n\nI thank you for your help and consideration during this unfortunate circumstance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": {"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/10374819", "source": "cfpb", "group_id": "cfpb/f77b47c85ca011934a3b", "variant": "clean", "length_bucket": "long", "chars": 6485, "company": "InDebted Corporation", "date_received": "2024-10-07", "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": "f77b47c85ca011934a3b5039960a1db3ba76f0434551b4c3cbc3bfec1f24fdcb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. \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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9058502", "source": "cfpb", "group_id": "cfpb/9d0aaa10608cca42ec05", "variant": "clean", "length_bucket": "medium", "chars": 2032, "company": "Experian Information Solutions Inc.", "date_received": "2024-05-20", "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": "9d0aaa10608cca42ec058c5719ffcbb094b158176639e3955066a164852e5560", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I recently purchased furniture from a local store in TN and decided to finance it through one of there leasing companies ( 3rd party ) Merchants Preferred Lease out of XXXX, GA. \nI have almost completely paid off what i owe for the furniture, however recently I've been hit with financial troubles and have not been able to make the bi weekly payments that were agreed upon for the last month or so. I called the company to see if we could work something out or postpone a payment or two until i was able to pay the remaining balance in full but the company informed me they are unable to work with me or change any of the initial agreements. \n\nI politely asked for them to discontinue ACH payments via my bank account due to funds not being available in the account on the scheduled transaction dates. Due to that reason, i was receiving late fees & return item fees from both my bank and the lender. I called back again to ask again for this to stop and they declined to do so. \n\nRecently, a federal law was brought to my attention that protects consumers in situations like this. I was informed that this federal law prohibits a lender from withdrawing payment after two unsuccessful attempts. An email was sent to me today informing the 3rd attempt will proceed tomorrow XX/XX/XXXX. The first two unsuccessful attempts occurred on XX/XX/XXXX & XX/XX/XXXX. \n\n\nFYI- The first attachment labeled \" CFPB '' is an email that made me aware of this law from another lender.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3531037", "source": "cfpb", "group_id": "cfpb/95bd80b4cad009403d84", "variant": "clean", "length_bucket": "medium", "chars": 1470, "company": "C/C Financial", "date_received": "2020-02-13", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "95bd80b4cad009403d84d836c9a165d42bdbcfbfbdbdcf526c410b8844f18ec2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX Thu, XX/XX/XXXXXXXX XXXX XXXX XXXX to executivecustomerservice Hello, I was in an accident and XXXX XXXX reserved a vehicle at the XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. Rental agreement # XXXX. Picked up the vehicle on XX/XX/XXXX, about to drive off the lot a service light came on. The manageXXXX XXXX had to place me in another vehicle stating that the suspension system was messed up. I was placed in a XXXX XXXX. \nMy policy alloted up to {$1500.00} in rental costs. XXXX called me and made me aware that I was over the timeframe. XXXX XXXX wrote another policy granting an additional {$1500.00} as my car was still in repair. \nXXXX called and stated that the new rental agreement was sent to them and for me to come in and exchange vehicles. \nI went into the office, returned the vehicle and was placed in a XXXX XXXX XXXX ( written on the same agreement # XXXX ). A few days later I got a call from XXXX the manager stating that he wrote the policy under the first XXXX XXXX claim and that I needed to come in and have the agreement rewritten under the XXXX {$1500.00} policy. I came in the next day at XXXX XXXX. XXXX wasn't in, the guy at the front desk stated that he could not rewrite the policy and that XXXX had left for vacation. XXXX did leave a sticky note on the desk stating that the policy needed to be rewritten. The guy at the desk advised that he would contact a manager at a different location and have someone give me a call on Saturday or Tuesday. That never happened. \nI then went back into the location on XX/XX/XXXX, same guy in the office stated that XXXX had left for the day and he would have to charge my card {$1000.00} to have the policy updated. I was not going to pay that as the insurance wa supposed to cover. I left and called the corporate office, leaving a complaint and asking if a supervisor could give me a call. That never happened. I go back to the location on XX/XX/XXXX at XXXX to return the car, i was told that I now owe {$2000.00} dollars, I stated that I am not paying that, that my insurance should be taking care of it but due to the error of the manager that still has not happened. I asked when would XXXX be in to have this resolved. I was told come in next week between XXXX XXXX XXXX XXXX. \nI went back to the location on XX/XX/XXXX at XXXXXXXX XXXX XXXX was not in. I just left the keys and the number for XXXX XXXX and asked if XXXX could give me or XXXX XXXX a call, as XXXX XXXX has been calling trying to get it resolved on their end as well. That has never happened. I was charged the {$2300.00} to my credit card, which should have never happened if XXXX the incompetent manager would have resolved this issue. \nTo make matters worst I called the corporate # ( XXXX ) and spoke to XXXX and she was extremely rude, would not transfer me to a supervisor, couldn't answer any of my questions and advised that a supervisor would call me back in an hour, That has not happened. I will NEVER use XXXX again and I have asked XXXX XXXX to look at using another rental car company for them as well as they have not been able to reach anyone either. \n\nI did escalate this over to XXXX and to this day still have not reolved the issue. XXXX lied and told the corporate office he had reolsved this matter with XXXX XXXX. XXXX XXXX stataed that no one ever talked to XXXX and that the issue still was not resolved. I reached out to Capitol One and made them aware, they gave me a credit. A few weeks later they reversed the credit stating that I didn't send in the requested documents. I got with XXXX XXXX and they wrote a letter explainig what happened and advised that XXXX still has not corrected the issue. Capitol One is stating that isn't good enough. I am not sure what Capitol One is wanting. But I should not be liable for a mistake that was made by the company. I am just needing this to be corrected so that I can pay what is truly owed. \n\nWanted to reach out to you before I take legal action against captiol one. \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": "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/8269449", "source": "cfpb", "group_id": "cfpb/11eb1a50d6b3f68111c8", "variant": "clean", "length_bucket": "long", "chars": 4005, "company": "CAPITAL ONE FINANCIAL CORPORATION", "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": "11eb1a50d6b3f68111c891c39788eed538032594eb29c602b643db9977a78597", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I have submitted multiple disputes through the CFPB Portal regarding my experiences with the credit reporting agencies since XXXX. However, I have not received satisfactory results, and I would like to address the response I received from the credit reporting agencies. \n\nThe response claims that my disputes were not specific enough to be processed. While it is important to provide specific details when disputing information on a credit profile, it is equally important for the credit reporting agencies to thoroughly investigate and address any concerns raised by consumers. It appears that the credit reporting agencies are placing the entire burden on me to provide specific disputes, rather than taking proactive steps to investigate potential inaccuracies or incomplete information on credit reports. \n\nMoreover, the response suggests contacting the credit reporting agencies directly with specific disputes, including names and/or account numbers of the items being disputed. While this may be a valid course of action, it is important to acknowledge that many consumers may not have access to such detailed information or may not be aware of the specific items causing concern. The credit reporting agencies should adopt a more proactive approach in investigating potential inaccuracies, rather than solely relying on consumers to provide specific disputes. \n\nAdditionally, the response mentions the option of mailing a current copy of the personal credit report for review, which may take up to 10 days for delivery. In today 's digital age, where information can be accessed instantly, this delay seems unnecessary and inconvenient for consumers who are seeking timely resolution to their disputes. The credit reporting agencies should consider providing digital access to credit reports, enabling consumers to review and dispute information more efficiently.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement for the credit reporting agencies to physically verify the original signed consumer contract for any and all accounts posted on a credit report. This verification is crucial to prevent fraudulent accounts from being included in credit reports. I demand to see verifiable proof, such as an original consumer contract with my signature, for the accounts that were previously disputed. Your failure to positively verify these accounts has negatively impacted my ability to obtain credit. According to the FCRA, unverified accounts must be removed, and if you can not provide a copy of verifiable proof, the accounts must be removed. This is my second written request, and the unverified items listed below continue to violate Federal Law. You are obligated under the FCRA to have a copy of the original creditors ' documentation on file to verify the accuracy of this information. In the results of your first investigation, you claimed in writing that you \" verified '' that these items are being \" reported correctly. '' I would like to know who verified these accounts.\n\nYou have not provided me with any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, which includes a consumer contract with my signature. Additionally, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified.\n\nThe law is clear regarding civil liability and the available remedy for \" negligent noncompliance '' ( Section XXXX ) if you fail to comply. As a litigious consumer, I fully intend to pursue litigation in this matter to enforce my rights under the FCRA. \n\nIn conclusion, the response from the credit reporting agencies to my dispute places an undue burden on me and lacks a proactive approach to investigating potential inaccuracies or incomplete information on credit reports. The credit reporting agencies should take more responsibility in thoroughly investigating consumer concerns and providing efficient and accessible means for dispute 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": "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/7354791", "source": "cfpb", "group_id": "cfpb/caa39809aa1c41169121", "variant": "clean", "length_bucket": "long", "chars": 4122, "company": "EQUIFAX, INC.", "date_received": "2023-08-04", "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": "caa39809aa1c411691211c0e6f1f486ad67bc536e0d2abe723894e6dbd4e6864", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had called the company that I did not sign for a car and they told me that yes in 2015 I said no I dnt even drive I go in the bus every day all they said is that no u owe this ... ..so I am writing to dispute these collections account. Under the laws of FDCPA and under the advice of my attorney, I have already sent them a dispute to the agency requesting validation of the debt with no response, asking them to validating my debts, and the receipts showing that I send these letter certified signature requests. These debt are not mine and I was given no evidence of my obligation to pay this debt to this collection agencies.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3177400", "source": "cfpb", "group_id": "cfpb/398878d85f44099b9255", "variant": "clean", "length_bucket": "short", "chars": 630, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2019-03-12", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "398878d85f44099b92554168e86c38056036cc7faad6aa00dd54b048e1e692f1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A few months ago, I was suddenly hit with an overdraft fee, from usaa. This was new as I had never signed up for overdraft, and if something came in towards the end of the month, it was sent back ( like say, XXXX, and it just sends you a reminder to update your payment method ). Suddenly I was hit with a XXXX XXXX overdraft fee. I complained and was told that whether or not I was enrolled, the overdraft would still be charged. I made complaints to the Texas AG, and the SEC. The next month, the account had gone back to if something came through before my compensation hit, it would just get declined. I thought nothing of it. Until tonight. Earlier this month I had planned to go to Hawaii and meet my fiance 's parents. I only have compensation so I watch my spending very carefully. As a precaution, I transferred {$400.00} from another account, before I purchased two economy tickets back. When we both returned, I transferred back {$100.00} to the account I had transferred the {$400.00} from, leaving {$60.00} to eat off of for the rest of XXXX. I had under {$3.00} in my checking account. I received an email stating that my spectrum mobile was paid and after investigating, found that USAA had overdrafted my account. So I called them, and after they tried to confuse me by saying that \" I had purchased two tickets and that is when the overdraft started '' and I informed them that I had {$600.00} in there before the purchase and had transferred {$400.00} just in case, before the purchase, to make sure it went through, because my fiance and I had wanted our seats together, I didn't want the charge not to go through. So after a long wait, the associate returned to the phone and said \" I was instructed to tell you this ... USAA is not responsible for the purchases on your account, unless you want to dispute the charge, and if you do not wish to dispute the charge, I am to end the phone call. '' I wished her a XXXX XXXX and hung 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": "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/8047359", "source": "cfpb", "group_id": "cfpb/60c965dd118eaaae9718", "variant": "clean", "length_bucket": "medium", "chars": 1953, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2023-12-23", "product_raw": "Checking or savings account", "issue_raw": "Problem caused by your funds being low", "sub_issue_raw": "Overdrafts and overdraft fees", "text_sha256": "60c965dd118eaaae9718545a0a0f9e0b1fbe4078a3e1681cd18b5fa7b96188c5", "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 filed a claim against Klarna here at the CFPB for not responding to my NUMEROUS efforts and requests to have my {$75.00} payments ( sent from my bank directly to them VIA ACH ) to be applied to the next payment due. My payments are {$68.00} due on the XXXX. My payments have been sent, and are processed at least 5 days before they are due. But what they have been doing, NOT AT MY REQUEST, is applying the entire payment to the principal. They send an email \" thank you for your payment ''. Then they follow up with me emails that my payment is due, then that it \" failed '', then it was missed - and they increase my interest rate I HAVE BEEN PAYING MORE THE THE MINIMUM DUE AND HAVE BEEN PAYING EARLY. I AM MAKING A GOOD FAITH EFFORT TO PAY MY ACCOUNT OFF EARLY AND WAS HOPING TO BUILD GOO CREDIT. \n\nThey responded on XX/XX/XXXX refusing my request to allocate my funds to the next payment due automatically. \n\n\n\" XXXX XXXX, Thank you for reaching out in regards to the payments associated with order XXXX with XXXX XXXX. Our review of your concern found that autopay was not previously enabled on your account. '' YES, IT WAS SET FOR AUTOPAY, AS I STATED IN THE OPENING OF MY FIRST COMPLAINT TO YOU AS FOLLOWS : \" I purchased a bed from XXXX using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. '' THE INITIAL PAYMENT ON XX/XX/XXXX WENT THROUGH, DEMONSTRATING I ENTERED THE ACCOUNT INFORMATION CORRECTLY. I SENT PROOF IN THE LAST COMPLAINT THAT I HAD OVER {$1800.00} FUNDS AVAILABLE ON XX/XX/XXXX. THE PROBLEM WAS CLEARLY A PROCESSING ERROR BY KLARNA. \n\n\" As a one-time courtesy, we were able to have the payments reallocated to reflect XXXX and XXXX of XXXX as paid. You will no longer see any failed payments on your account. In addition, we have updated the account status and can confirm no information has been reported to the credit bureaus at this time. '' IT IS NOT A COURTESY TO APPLY MY PAYMENTS THE WAY THE LAW STATES YOU ARE SUPPOSED TO APPLY THEM. \n\n\" The next payment of {$68.00} is due on XX/XX/XXXX. '' THIS PAYMENT WAS PROCESSED BY YOU ON XX/XX/XXXX, WHICH WAS FOR THE XX/XX/XXXX PAYMENT YOU ARE REFERRING TO, AS IF I HAVEN'T PAID. AGAIN, IT CLEARLY WAS NOT APPLIED TO THE NEXT PAYMENT DUE. NOTE THAT THIS POSTED AFTER MY COMPLAINT WAS FILED AND WELL BEFORE YOU MADE THESE ADJUSTMENTS. \nYOU ARE AGAIN SAYING I MISSED A PAYMENT, AND HAVE AGAIN RAISED MY INTEREST RATE. \n\n\" To prevent any future recurrence on this matter, we strongly advise setting up direct debit payments on your account or enabling autopay on this order. \" SO YOU ARE SAYING THE ONLY WAY I WILL NOT HAVE PROBLEMS WITH MY PAYMENTS BEING APPLIED THE WAY THEY ARE LEGALLY SUPPOSED TO BE APPLIED IS TO USE YOUR AUTOPAY SYSTEM. \n\nPLEASE NOTE MY ORIGINAL LOAN AGREEMENT WITH XXXXKLARNA STATES \" autopayment is not required. '' ( SEE BELOW ) \" With check payments, it is expected that the payment will be applied to the end of the loan as a principal reduction, and this will happen again if you choose to pay by check moving forward. '' ON XX/XX/XXXX, THE {$75.00} ACH PAYMENT FROM MY BANK WAS APPLIED FIRST TO THE {$68.00} DUE FROM XX/XX/XXXX ( WHICH WAS OVERDUE DUE TO YOUR SYSTEM ERRORS ) AND THE EXTRA {$6.00} WAS APPLIED TO THE PRINCIPAL. SO YOU ESTABLISHED A REASONABLE EXPECTATION THAT MY FUTURE PAYMENTS WOULD BE ALLOCATED IN THE SAME MANNER. \n\nAGAIN, LET ME REMIND YOU, I AM PAYING BY ACH DIRECTLY FROM MY BANK TO KLARNA. I AM NOT PAYING BY CHECK. \n\nMOST IMPORTANTLY, WHAT IS EXPECTED - NOT ONLY AS AN AS AN INDUSTRY STANDARD - BUT IS ALSO THE LAW, IS STATED ON THE KLARNA WEBSITE, AND IS STATED IN THE CONTRACT I SIGNED ON XX/XX/XXXX IS THAT PAYMENTS MADE ON CREDIT ACCOUNTS ARE APPLIED TO THE NEXT PAYMENT DUE, NOT THE LAST PAYMENT DUE. ONLY THE EXCESS CAN BE APPLIED ELSEWHERE, IN MY CASE, TO THE PRINCIPLE. KLARNA 'S OWN WEBSITE, AS REFERENCED BELOW, STATES : \" We will use each payment in the amount of the Minimum Payment Due or less to pay your balances from oldest to newest '' THE ONLY TIME ENTIRE PAYMENTS CAN GO TO THE PRINCIPAL IS AT THE CARDHOLDERS REQUEST. I HAVE NOT REQUESTED THIS. \n\nHERE IS DOCUMENTATION FROM THE ORIGINAL LOAN AGREEMENT I SIGNED WITH XXXX/KLARNA, THE LAW FROM THE FDIC, AND FROM THE LEGAL PORTION OF KLARNA 'S WEBSITE SHOWING YOU ARE EITHER LYING, ARE MISINFORMED, OR YOU ARE INTENTIONALLY TRYING TO MISLEAD ME. \n\nTHE LOAN AGREEMENT FROM XX/XX/XXXX STATES : 5. Payment Methods We will accept payments in U.S. dollars via ACH, or physical check, or any other payment method we make available. You may not make payments in cash or coin. We may require you to select a payment method when you apply for a loan, but autopayment is not required. \n\nTHE LAW : FDIC 6000 - Consumer Protection CHAPTER 4CREDIT BILLING 164.Prompt and fair crediting of payments ( a ) IN GENERAL. -- Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor 's account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligor 's payment in readily identifiable form by XXXX XXXX on the date on which such payment is due in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. \nb ) APPLICATION OF PAYMENTS. \n( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amountsin excess of the minimum payment amountfirst to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. \n\nhttps : XXXX # XXXX FROM THE KLARNA WEBSITE : 7. Payment Application and Prepayment We will use each payment in the amount of the Minimum Payment Due or less to pay your balances from oldest to newest.\n\nYou may at any time pay the total unpaid balance without any additional charge for prepayment. If you pay more than the Minimum Payment Due in any Billing Cycle, you still must make the Minimum Payment Due the next Billing Cycle. We will use any amount in excess of the Minimum Payment Due to pay the balances with the highest interest rate, then the next highest interest rate, and so forth. However, during the two Billing Cycles immediately preceding the Expiration Date of any Deferred Interest Purchase, we will use such excess payments first to pay the balance on such Deferred Interest Purchase. \n\nhttps : XXXX? XXXX \" If you choose the check payment option, you will have to contact Klarna customer service to ensure the payment is applied to the current month. '' AGAIN, I AM PAYING BY ACH DIRECTLY FROM MY BANK TO YOU. \nI AM NOT PAYING BY CHECK. \n\nTHE WHOLE BASIS OF MY COMPLAINT IS THAT I HAVE BEEN CONTACTING KLARNA CUSTOMER SERVICE REGULARLY SIMPLY TO HAVE MY PAYMENTS APPLIED THE NEXT PAYMENT DUE, BUT HAVE HAVE BEEN MET WITH A REFUSAL TO DO SO ON EVERY FRONT. \n\nHERE ARE THE DATES AND METHODS I HAVE CONTACTED KLARNA BY CHAT : 3 TIMES XX/XX/XXXX, XX/XX/XXXX ( XXXX XXXX hours ) XX/XX/XXXX BY PHONE : 2 TIMES XX/XX/XXXX, XXXX minutes XX/XX/XXXX XXXX minutes BY EMAIL : 7 TIMES XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THROUGH CONSUMER FINANCE PROTECTION BUREAU : XX/XX/XXXX, XX/XX/XXXX, & NOW \" Our records indicate the following payments have been applied to your account : - The down payment of {$60.00} was made on XX/XX/XXXX with the XXXX ending in XXXX \" THIS IS PROOF THAT I HAD CORRECTLY INPUT MY DEBIT CARD AND IT SUCCESSFULLY WENT THROUGH. EMAIL PAYMENT REMINDERS FOR THE XX/XX/XXXX PAYMENT CLARIFIED THIS ACCOUNT WOULD BE CHARGED WITH NO INDICATION OF ANY STEPS NECESSARY. \n\nA check payment of {$75.00} was applied to the order on XX/XX/XXXX. - A second check payment of {$75.00} was applied to the order on XX/XX/XXXX. - A third check payment of {$75.00} was applied to the order on XX/XX/XXXX. - A fourth check payment of {$75.00} was applied to the order on XX/XX/XXXX. \nThe remaining outstanding balance left to pay on this order is {$480.00} and the next minimum payment of {$68.00} is due on XX/XX/XXXX. \n\nWHAT HAPPENED THE AMOUNT IN EXCESS OF THE {$68.00} FOR EACH OF THESE PAYMENTS? THE DATA YOU ARE PROVIDING IS INCOMPLETE. \n\nALSO, WHILE YOU WERE ANALYZING MY ACCOUNT BETWEEN XX/XX/XXXX AND YOUR RESPONSE ON XX/XX/XXXX, A FIFTH {$75.00} PAYMENT WAS PROCESSED BY YOU ON XX/XX/XXXX WHICH WAS FOR THE MAY PAYMENT YOU REFER TO ABOVE, AND WAS AGAIN NOT PROPERLY APPLIED TO THE NEXT PAYMENT DUE. THE ENTIRE {$75.00} WAS AGAIN INCORRECTLY APPLIED TO THE PRINCIPAL. \nI EMAILED YOUR CORRECTIONS DEPARTMENT. \n\nWe believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ( XXXX ) XXXX from XXXX XXXX, Monday - Friday, or via XXXX chat at www.klarna.com/us. \n\nYOU CLEARLY HAVE NOT ADDRESSED MY CONCERNS. YOU APPEAR TO NOT HAVE DONE YOUR RESEARCH AND HAVE NOT MADE AN EFFORT TO PROVIDE ME ANY DOCUMENTATION. \n\nIT IS AN UNREASONABLE REQUIREMENT THAT I CONTACT KLARNA CUSTOMER SERVICE TO HAVE MY PAYMENTS APPLIED CORRECTLY. IN FACT, THIS HAS TURNED INTO AN UNNECESSARY BURDEN ON ME, CAUSING ME UNDUE STRESS AND ANXIETY. I HAVE LOST OVER 40 HOURS OF TIME OVER 4 MONTHS AND COUNTING, TRYING TO GET THIS RESOLVED. \n\nAs result of you illegally applying my entire payment to the principle, WHICH I HAVE REPEATEDLY INSISTED YOU NOT DO, it results in your system registering my payment as late, and in turn you increasing my interest rate, and also results in a negative impact on my credit rating. \n\nYOU HAVE FAILED TO PROVIDE ME EVIDENCE OF THE POLICY YOU ARE FOLLOWING IN THE APPLICATION OF MY PAYMENTS. \n\nON XX/XX/XXXX AT XXXX XXXX  IN YOUR CHAT APP I ASKED : \" Please provide me with documentation that states that a payment I have made, that you have accepted, does not apply to current payment, but instead applies to payments at the end of the contract. '' YOU HAVE NOT PROVIDED IT IN ANY OF OUR CORRESPONDENCE. IN FACT, THE PREPONDERANCE OF EVENCE SHOWS THAT THERE IS NO SUCH POLICY OR \" EXPECTATION '' AT KLARNA, OR ELSEWHERE IN THE FINANCIAL WORLD. \n\nSO AGAIN : I am requesting THE FOLLOWING : 1 ) all of my future {$75.00} payments to be AUTOMATICALLY APPLIED to the next payment due, and then ONLY THE EXCESS BE APPLIED TO PRINCIPAL 2 ) the XX/XX/XXXX {$75.00} payment to be applied TO the XX/XX/XXXX payment due AND ONLY THE EXCESS BE APPLIED TO THE PRINCIPAL 3 ) for all of my payments to reflect as being paid on time 3 ) for Interest be calculated as IF ALL PAYMENTS WERE MADE ON TIME. \n\n\n\nIF YOU REFUSE TO HONOR MY REQUEST, YOU ARE ACCUSED OF FALSE ADVERTISING, OF TRYING TO MISLEAD ME, OF MISALLOCATING MY PAYMENTS INTENTIONALLY, AGAINST MY WILL, IN ORDER TO INCREASE THE INTEREST YOU ARE COLLECTING FROM ME, OF TRYING TO COERCE ME INTO USING YOUR OWN AUTOPAY SYSTEM, AND FOR CAUSING ME UNDUE DISTRESS.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5588006", "source": "cfpb", "group_id": "cfpb/30ce19657998e5906deb", "variant": "clean", "length_bucket": "long", "chars": 11075, "company": "Klarna AB", "date_received": "2022-05-21", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "30ce19657998e5906deb717834c44ab237177a8bb83421d397cd2e6312404695", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was exploring auto loan options with Chase Auto to buy out my wifes lease. I requested a preliminary rate without a hard pull and chase went directly to a final rate with a hard pull I did not consent to. Additionally, my wife was not on the loan so I cant even use the loan they approved for me and I cant add her after. When I requested this hard pull be removed Chase stated it was buried in the fine print of the disclosures that were vague. Most loans have a clear warning prior to a hard pull. I reached out to Chase auto and they said they will not remove 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": "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/5098948", "source": "cfpb", "group_id": "cfpb/39a8755255d02a17812b", "variant": "clean", "length_bucket": "short", "chars": 568, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-01-11", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Confusing or misleading advertising or marketing", "text_sha256": "39a8755255d02a17812b2d2a4532dd7b00b89c0c52cb85f567c24a7821a23749", "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 a person who claimed that I had won {$2.00} XXXX in a drawing. The person informed that to claim my prize, I would be required to send {$1800.00} USD as an advance on US income taxes owed on the prize money. The caller requested that I send the money via Walmart money-gram transfer. The caller specified that the funds should be sent in XXXX phases : XXXX for {$1000.00} and the other for {$850.00} and that each should be sent from XXXX different Walmart locations. \nThe caller also requested that I keep the winnings secret from everybody so that others will not harass me for a share of the winnings. \nAs I became more skeptical of the prize, I requested that the caller provide me with written confirmation of my prize. The caller then e-mailed me what appeared to be valid documentation from XXXX XXXX XXXX indicating that I had in fact won a prize. \nBased upon that information, I wired the first {$1000.00} to the caller in XXXX. I attempted to wire the second portion for {$850.00}, but the employees at Walmart strongly recommended that I not send the money. I complied with their advice and did not send the second installment. \nWhen I informed the caller ( \" XXXX XXXX '' ) he became angry with me and informed me that I should have told the employees at Walmart that the reason for the transfer was none of their business and that I should have insisted on them completing the transfer. \" XXXX XXXX '' informed me that without the advance payment on the taxes owed, I could not hope to collect my prize of {$2.00} XXXX. \nI also noted that the \" documentation '' e-mailed to me indicated that the taxes due would be {$25000.00} USD. \nI subsequently sought the opinion of my tax advisor on this matter. He reviewed my documentation and recollection of events and informed that it was his opinion that I was the victim of fraud. \nThe next day, the caller, \" XXXX XXXX '' called to inform me that I would need to transfer, bank-to-bank, {$25000.00} to complete the required advancement of the taxes owed. \nWhen I informed my tax advisor of this new request, he stated that he would like to be present when \" XXXX XXXX '' telephoned. \nThe next day when \" XXXX XXXX '' called, my tax advisor answered the phone. XXXX XXXX immediately hung-up and then called back about XXXX seconds later. On the second call, I answered and XXXX XXXX wanted to know if anyone else was present. I informed him that my tax advisor was present with me. When my tax advisor confronted XXXX XXXX about the fraud, XXXX XXXX became angry and demanded to know my tax advisor 's name and stated that he would come over and have him fired from his job. \nOver the next hour or so, XXXX XXXX repeatedly called my phone to harass and insult me for informing a third party of this transaction. \nI now understand the fraud that has been perpetuated upon me, and my hope is to inform others of the methods used by the fraudsters in their attempts to steal money from unsuspecting elders.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1584248", "source": "cfpb", "group_id": "cfpb/cc8ba6b1ed3e59fffacf", "variant": "clean", "length_bucket": "medium", "chars": 2980, "company": "MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC", "date_received": "2015-09-29", "product_raw": "Money transfers", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "cc8ba6b1ed3e59fffacfc739bf641aaf7656204aaede28f5447d4015ca4b969a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt.\n\nI had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt.\n\nFurthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing.\n\nI have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. \nOn another note the amount of {$64.00} is\n\nsuch a ridiculous amount that is another proof to my claim that the reporting agency is being abusive.\n\nI need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system.\n\nmy contact number is XXXX should you need any further verification. \nThe name of the collection agency is \" COLUMBIA DEBT RECOVERY '' and their contact number is : ( 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/6771720", "source": "cfpb", "group_id": "cfpb/501c54a5e2cc8aad8cd8", "variant": "clean", "length_bucket": "medium", "chars": 1367, "company": "Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis", "date_received": "2023-03-30", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "501c54a5e2cc8aad8cd85f013f5f571d7a670155ebe17bf5773e2205648e03f6", "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 purchased a XXXX XXXX XXXX from XXXX Dealership in XXXX, CA. I was required to provide a down payment of {$2500.00}, which I paid in cash. However, the purchase agreement inaccurately reflected only {$800.00} as the down payment. Shortly after the purchase, I discovered that the dealership failed to properly file the necessary DMV paperwork, leading to the vehicle being towed and impounded due to expired registration that was already two years overdue. This happened approximately 3 weeks from the date of purchase. \n\nI contacted XXXX multiple times, but despite my efforts they were absolutely no help and denied any wrong doing, taking no accountability whatsoever. \n\nOn XX/XX/XXXX, I finally was able to get through to a representative from OneMain Financial, who informed me that they could not defer my payments, despite the circumstances. That they would contact the tow yard, and the dealership and call me back. However, since that call, I have not received any further communication or assistance from OneMain Financial. \n\nAs a result of these issues : 1. I have been unable to retrieve the vehicle and am now two payments behind, yet I continue to receive bills from the finance company 2. Ive incurred significant costs related to the tow and storage fees. \n3. I lost my job and housing due to my inability to use the vehicle, which was essential for both employment and accommodation. \n4. Despite my attempts to resolve the issue, including contacting the dealership and the finance company, the problem remains unresolved. \n\nI am seeking the cancellation of the loan agreement, a full refund of all payments made, and compensation for the financial and personal hardships I have endured due to the dealerships and finance companys negligence. \n\nThe lack of action by both the dealership and finance company has left me without my vehicle and has caused significant financial hardship, including loss of employment and housing, and has led me to file this complaint with the CFPB for intervention.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9885364", "source": "cfpb", "group_id": "cfpb/e74221198d5e0d2a3cb1", "variant": "clean", "length_bucket": "medium", "chars": 2029, "company": "OneMain Finance Corporation", "date_received": "2024-08-22", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "e74221198d5e0d2a3cb1d6a0ed894f13b46dc3e1bcbc9e76bf463eb32eb44b61", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The loan is extremely high. The interest-rate is also extremely high, and they harassed me after one day of being late and they dont start calling until its paid it doesnt matter if its one hour late or one daily they harass me until I pay which is unethical and harassment to the 10th degree o am Upset with the company on top of that. There are a bunch of things wrong with the car that they dont want to fix", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7581738", "source": "cfpb", "group_id": "cfpb/e49ea76ef137ea90e71d", "variant": "clean", "length_bucket": "short", "chars": 410, "company": "FC HoldCo LLC", "date_received": "2023-09-20", "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": "e49ea76ef137ea90e71d7490a048fcea192dfa129591fb6808683859da99a829", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi, I have student loans from XXXX to the early XXXX 's. I made sporadic payments until I secured a XXXX XXXX XXXX in XXXX ( basis for public service ). Signed XXXX an income-driven rehabilitation agreement with the Dept. of Ed. I have letters referencing I am in rehabilitation. Had some tax refund offsets prior to the agreement but no other offsets after the agreement, or any notice of default. I paid every month until the pandemic. Signed up for PSLF and did not qualify as was told in default. I have been fighting this since XXXX. Numerous letters to the Dept of ED, showing all checks sent had cleared. Dept of Ed. records had little to no info until I showed checks. I have been through the default resolution group, and contacted the Commissioner of the Dept. Dept, President, Vice President, Senators, and Congressional reps. XXXX says reviewing it now and the loan is with Ed financial. I did not consolidate as told would start fresh 10-year PSLF ( I am XXXX years old ). I did not apply for Save plan as I qualify for PSLF. When payments restarted I sent to the Dept. of Ed as I have a valid agreement and can not afford the recalculated payment. I am upset. I am XXXX years old and owe XXXX I can never pay off. I paid as agreed and should qualify for PSLF. I have given tort claims notice to Dept of Ed. as I have found no other recourse. Thanks for your time. 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"}, "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/7836656", "source": "cfpb", "group_id": "cfpb/92095ee36cc33c2c5a56", "variant": "clean", "length_bucket": "medium", "chars": 1413, "company": "EdFinancial Services", "date_received": "2023-11-10", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "92095ee36cc33c2c5a56eec3b294aed10b383bc3e756dd2da0340390f2f02d61", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have federal student loans serviced by MOHELA. Several years ago before my servicer was changed to MOHELA, I submitted paperwork to waive any and all deferments or forbearance and ensure that every month would count towards PSLF. MOHELA apparently lost this paperwork in the transfer, and I had to spend several months and complains with the CFPB to get it fixed. I was finally assured that my paperwork was once again in place so that any forbearance or deferments would be removed and that every month would count towards PSLF both retroactively and in perpetuity unless I explicitly requested otherwise. \n\nHowever, in XXXX of this year I once again received notification that I was taken out of the income based repayment plan I've been on and placed into forbearance. I did not request this and it is contrary to the paperwork I previously submitted. MOHELA has not even responded to my numerous attempts to contact them to fix this egregious error that has gone of for 3 months now. \n\nMOHELA needs to immediately put me back on the income based repayment plan, retroactively remove any forbearance and/or deferments on my accounts, retroactively apply credit towards PSLF for any months I was incorrectly in forbearance or deferment, and fix whatever problem is preventing them from keeping my waiver in place as they should be. \n\nI have expressly given MOHELA permission to share my information with the CFPB and communicate about this issue. Any response that claims they can not do so means that they have not actually read the information in this complaint and are once again failing to do the most basic tasks of their job as a loan servicer.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10438576", "source": "cfpb", "group_id": "cfpb/082331f4be3a1e28fa87", "variant": "clean", "length_bucket": "medium", "chars": 1654, "company": "MOHELA", "date_received": "2024-10-13", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "082331f4be3a1e28fa872fa535f73349907b6773aa2f9d01ff72a48103d3917f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My complaint is with US Banks payment processing / allocation when their customers send extra payments in an attempt to pay down principle quicker / pay less interest. I made several large payments ( over 2 times my minimum payments ) to pay down my principle quicker but I realized my principle was not going down as quickly as it should have been. Im actually in financial services and would say that I have a far better understanding of how lending products work and I was even confused with US Banks payment practices so Im sure there are many being similarly deceived and overpaying interest on their loans. There is a lack of transparency, inconsistencies by payment channel ( i.e. branch vs. mobile app ) and cumbersome payment interfaces. Ive included a contact log of my discussions with US Bank where I was told my previous payments would be reallocated to principle instead of being applied to my next minimum payment. After over 2 weeks of no activity, I called back a 3rd time and was told that they can not help me ( I received NO proactive communication from US bank ). I asked to speak to a supervisor and was told I would get a call back that evening ( I received no callback ). \nHeres some specific deficiencies with US Banks payment processing : 1. Confusing mobile payment language ( see screenshot of US Banks mobile payment screen ). The first overpayment I made was a $ XXXX payment through the US Bank XXXX banking app. I wasnt sure which option to select to pay down principal. The intuitive option would be to select the Principal payment option but then I read the disclosure associated with this option which indicates that A Principal Only payment may be used only if no Minimum Payment is due. I technically had a Min Pay due the following month so I did not choose this option and simply assumed the Other amount option would apply any extra payment to principle. The Other Amount disclosure is ambiguous and not helpful. It indicates Any amount in excess of the Minimum Payment will be applied to either outstanding fees, interest or principal. Shouldnt it just simply state extra payments will be applied to your next min payment??? \n2. The Branch does not even ask how a customers overpayment should be applied to their loan. I was told by the first US Bank call representative that branchs can not apply extra payment to principle. Not sure whether this is true but it certainly is not disclosed. \n\nThe end result of these deficiencies is that customers who are making extra payments with the intention of paying less interest are actually just paying the same amount of interest and just paying their loan down faster. I ask that US Bank honor what they originally committed to doing and that they look into improving the deficiencies that Ive highlighted above. \n\nUS Bank XXXX XXXX 1.XX/XX/XXXX My first call to US Bank to inquire about why my principle was not lower as a result of my overpayments. The representative indicated that several of my overpayments were applied to my next minimum payment instead of being applied to principle. The representative identified 3 overpayments in particular that she was submitting to have reallocated to principle ( 2 of these payments were branch payments of {$1500.00} and {$1000.00} ; my min pay is only {$470.00} ). The US Bank branch did NOT ask me how I wanted to have my extra payment applied. The representative took the time to research US Bank policy and indicated to me that there was NO mention of how far back payments could be reallocated. This representative was very helpful and genuine in trying to assist me. \n2. XX/XX/XXXX I called back to check on the status. I was told by the representative that they saw the ticket opened on the account but I needed to allow for 3-5 business days and account for the XXXX XXXX holiday when they were closed. He reassured me that this would still be done. \n3. XX/XX/XXXX I called back since I could see no change to the balance of my account and it had now been 2 weeks since I was told my payments would be reallocated. The US Bank representative told me that the back-office request to reallocate my previous overpayments to principle had been cancelled and that I had been misinformed by the previous agencies that my payments could be reallocated. I advised that this was unacceptable as 2 previous agents told me this was going to happen. I asked to speak to a supervisor. The agent advised that their supervisor was unavailable and that they would call me back. I received no callback and still no letter from US Bank indicating what was promised to me could not be processed.", "questions": {"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/2676734", "source": "cfpb", "group_id": "cfpb/ef4ae7681c0f035b94ad", "variant": "clean", "length_bucket": "long", "chars": 4617, "company": "U.S. BANCORP", "date_received": "2017-09-17", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "ef4ae7681c0f035b94ad13a24801b7b7bc83798c9b91cff83606b2c50aaf1d17", "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, we sent a written request to remove PMI from mortgage XXXX. This conventional loan is serviced by Dovenmuehle Mortgage , INC . In our letter, we specifically requested that the seasoning period be waived due to the extensive and substantial improvements we have made to the property in accordance with the written policy provided by their company for this procedure. The improvements were listed in the letter requesting removal of PMI and were verified during the property inspection by the Inspector who conducted the appraisal. \n\nOn XX/XX/XXXX, the appraiser, paid for by us and selected by the mortgage holder, went through our home for hours, taking pictures of all rooms and all angles of the inside and the outside of the house. The new appraised valued our home at {$530000.00}. Dovenmuehle Mortgage has a copy of this document as they forwarded it to us. The appraised value at the time of purchase in XX/XX/XXXX was {$400000.00} and the original purchase price was {$380000.00}. The payoff balance is about {$360000.00}. \n\nOn XX/XX/XXXX, the mortgage holder declined the removal of the PMI based on LTV ratio using the original appraised value of the home ( {$380000.00} ), not the most recent appraised value ( {$530000.00} ). We feel that this was an error on their part. Current LTV ratio of our home using the new appraised value is under 70 %. According to their own policy, they should have dropped the PMI at that time. \n\nWe spoke by telephone with a representative of their company on three separate occasion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this matter, and each time we were assured that they were aware of the new, assessed value of the home and that there was a clerical error on their part that prevented the correct decision from being made. We were also told that a representative of their company would file an appeal on our behalf, since the error was admittedly theirs. They also told me on each occasion that we would receive a written response from them in 10 days. The last deadline was XX/XX/XXXX. That date has long passed with no information, no contact and no response from the mortgage holder. \n\nWe sent a written request to appeal their decision via certified mail 10 days ago but have not had any response to that request either. We also requested reimbursement for all PMI money we have paid to you since XX/XX/XXXX. We are unable to contact this company by email and they do not have a direct dial phone number that we can find. All correspondence must be via USPS, which only adds delay to an already cumbersome process. \n\nI have copies of all letters that have been sent to them, a copy of the new appraisal and the written policy that they sent me detailing the PMI removal process. I also have a written letter from them ( the only written correspondence we have from them ) with the incorrect appraisal amount listed as the reason for denial. I can supply all of these on request.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2923278", "source": "cfpb", "group_id": "cfpb/48fbc79f79cbea69e2f1", "variant": "clean", "length_bucket": "medium", "chars": 2954, "company": "Dovenmuehle Mortgage, Inc.", "date_received": "2018-05-31", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "48fbc79f79cbea69e2f199c71ab0fb1255d2ca3b43b259bf2916c4e813a58de5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My loan through west lake financial the interest is so high. That I will pay almost XXXX for a car worth XXXX! I have tried to refinance it! But its so upside down no one will touch west lake refuses to lower the rest 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": "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/3663263", "source": "cfpb", "group_id": "cfpb/b5ebee3d2d3cc335e4cf", "variant": "clean", "length_bucket": "short", "chars": 222, "company": "Westlake Services, LLC", "date_received": "2020-05-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with the interest rate", "text_sha256": "b5ebee3d2d3cc335e4cfd1afea103d857f15a590895e8280705eb5d7095e79b9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Pioneer credit began garnishing 25 % of each paycheck. There was no notice or any documents. Every phone number I have goes to a pre-recorded msg. Supposedly I owe XXXX. Years ago they contacted my step mother saying I used her identity in a bank fraud. I had to contact the Ohio ag when they began calling my elderly neighbor. This is after the IRS took every refund from 2004 to this day. 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": "debt_collection", "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/3537834", "source": "cfpb", "group_id": "cfpb/3dfa9e4ccf50160403cc", "variant": "clean", "length_bucket": "short", "chars": 396, "company": "Navient Solutions, LLC.", "date_received": "2020-02-19", "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": "3dfa9e4ccf50160403ccb4832622ec5564f691c208b4b140aa805172ef828b70", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I bought a house outside XXXX, AK in XXXX of XXXX, using a VA loan through Guild Mortgage. After I moved in XXXX, due to the military, the property became a rental. When Covid hit, my renters lost their jobs, and could not pay rent. I exhausted my personal savings paying the mortgage, and was eventually forced to go on forbearance in XXXX of XXXX. \n\nIn XXXX of XXXX, I was informed that my forbearance had reached the maximum 18 month limit, and could not be extended past the end of the month. I was told that if I call before then, to start the loan modification process, there would not be any issues. \n\nI called them back at the end of XX/XX/XXXX, and began the loan modification process. I submitted a signed statement stating my forbearance had expired and I was requesting my loan be modified. During this process I told them I was exploring the possibility of selling the property in the future, but that it could not happen for several months at the soonest, and nothing was decided. They did not make any comment in response to this information. \n\nIn XX/XX/XXXX they denied my loan modification due to my possible intent to sell the property at some point in the future. I was told I needed to submit a signed letter stating my intent to keep the property, and that I was not authorized to sell the property if I wanted to modify the loan. This is the first time I had been made aware of this restriction. I submitted the requested document, and was permitted to reapply for a loan modification, if I included rental leases for the property tenants lasting for at least 12 months. \n\nAfter missing XXXX 's mortgage payment, I called to discuss the payment process going forward, and how it needed to be handled. I was told that unless I paid the entire past due amount ( 19 months ), that they would continue charging late fees on my account, and reporting it to the credit bureau. I asked if there was any way to work around this, since the modification was taking so long, and they said no. \n\nIn early XX/XX/XXXX I resubmitted the requested statement, and lease agreements. A couple weeks later I was informed that they had decided to do a full financial analysis of my case, and gave me a long, unintelligible list of documents that they required be submitted. It took over a week to get a clear answer on the documents they needed, which ended up being over 230 pages. I submitted the requested documentation via email to them in mid XX/XX/XXXX, prior to their stated deadline, and was given confirmation that they had received them. \n\nWhen I called to follow up a week later, I was informed that they had denied my application again, due to the requested documentation not being received. When I asked for clarification, they stated that the packet I sent in was incomplete, but could not tell me what specifically was missing. After another week of calling, I was finally told that all of the documents were received, but they simply did not know what some of the documents were, and so they had denied the application instead of reaching out for clarification. I was advised to resubmit my application a third time. \n\nI had a long conversation with one of the loan counselors, and went over each document in detail to ensure I knew what they needed. I was assured that if I resubmitted the same documents with a couple additions, that I would be approved. These additions included letters explaining what specific documents were, additional income verification, as well as having my property manager sign the documents depicting the lost rental income. They then put my property into foreclosure status while they waited for me to resubmit. \n\nDue to the Holidays, I was unable to get the required documentation signed and updated until XX/XX/XXXX, at which time I attempted to resubmit them. Their email server would not accept my attached documents, so I was forced to fax them. I was told they typically take several days to receive faxes. I called to follow up the next week and was told they had received my documents, but that there were now more new documents that they needed, as well as updates to the existing documents, dates, and signatures. \n\nI was given a list of additional documents to provide, but they were unable to give me any detail, on answer my questions. I was told I had 1 week to submit the updates. I was transferred to the loan counselor in charge of my case, but it want straight to voicemail, where I left a message asking for clarification and an extension on the deadline. This happened again several times, with multiple loan counselors, over the following week. I have yet to speak to a loan counselor, or receive a call back. I called the day before the deadline to plead my case one final time, and was told there is nothing they can do, but that they would be happy to send an email to that department informing them of my situation. The deadline has now passed, and I still do not know what exactly they need. \n\nI am doing everything I can to resolve the situation, but they are unwilling to cooperate. Everyone I talk to reads the same robotic script, and asks the same questions, and then transfers me to someone's voicemail. I am incurring late fees, damage to my credit, and wasting valuable time trying to give them the required information, but they keep changing the requirements, and slowing the process down, without offering any way to fix 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": "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/5156346", "source": "cfpb", "group_id": "cfpb/889a00f798943f702ffa", "variant": "clean", "length_bucket": "long", "chars": 5408, "company": "Guild Holdings Company", "date_received": "2022-01-27", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "889a00f798943f702ffa47a494162e693141d551545e0eb5d71685bcc459982b", "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 XXXX researched a collection account and provided me with the contact information of MEDICAL COMMERCIAL AUDIT INC in XXXX XXXX, MO. \nOn XX/XX/2022 I sent a certified letter to MEDICAL COMMERCIAL AUDIT INC requesting they send me proof that they attempted to validate this alleged debt PRIOR to reporting this tradeline to my credit report by providing me a signed delivery slip or tracking number OR remove this collection from my credit report. \nOn XX/XX/2022 in response the debt collector sent several documents, ( a ) a bill [ {$41.00} ], ( b ) a copy of a drivers license, ( c ) a medical account summary listing medical procedures, ( d ) a HIPAA notice. \n\nThis is not the documentary evidence I clearly requested. The documents I was sent, including the bill, says this debt collector was ASSIGNED this account. This assignment, the furnishing of it to my consumer report as a means of bringing harm to me and my financial reputation, and the fact that this agency has a means of my identity without my authority to coerce me to pay them is a violation of 18 USC 1028A - Aggravated Identity Theft.\n\nThe FTC says that debt collectors can not furnish first and ask questions later when it comes to consumer reports, also known as debt parking. \nThe furnishing of this collection to my credit report is in violation of 15 USC 1692d and the furnisher is engaging in unlawful extortion activities.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5627915", "source": "cfpb", "group_id": "cfpb/5ebe2622f02b7d2e0314", "variant": "clean", "length_bucket": "medium", "chars": 1412, "company": "Medical-Commercial Audit Inc", "date_received": "2022-06-03", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "5ebe2622f02b7d2e0314e3e6d557dbeff4349e9faffd5ba1b86c7028b83a368e", "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 signed up for 1 to 1 mentorship/coaching with XXXX XXXX XXXX XXXX XXXX XXXX for XXXX weeks to learn Tax Overages. \n\nThe process in which I signed up for this coaching service was via the phone with XXXX XXXX sales person, XXXX. XXXX shared with me about the coaching and what it would entail. He even mentioned a 30 day money back guarantee, which is what helped me to feel confident in signing up for the coaching service. I asked XXXX if I would receive everything spoken of regarding the service in writing. He responded that he would send me everything discussed via XXXX. \n\nXXXX then shared that the service cost would be {$5000.00} and that I could finance the payment with Affirm. After the call, XXXX sent me a manual invoice link via mobile ( text ) that was manually generated from XXXX XXXX XXXX also known as XXXX XXXX XXXX merchant account XXXX. On this invoice link was the option to input my information and an option to choose Affirm to finance payment. \n\nAfter inputting my personal details and choosing Affirm to finance the payment, XXXX asked me to send him a screenshot of the completed payment via mobile and thats what I did. \n\nIts important to note - because I was sent a direct invoice link to finance payment to sign up with XXXX XXXX XXXX aka XXXX XXXX XXXX ( not a website ), I was not given the opportunity to view XXXX XXXXXXXX XXXX aka XXXX XXXX XXXX XXXX terms of service, no refund policy, etc. \n\nBecause I did not sign up through a website, I didn't even receive a receipt of payment from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX nor did I ever receive their terms of service via XXXX as promised by the salesperson, XXXX. \n\nWithin a few days of signing up for the $ XXXX coaching service ( nearly one week later ), before receiving the services, I changed my mind to work 1 to 1 with XXXX XXXX of XXXX XXXX XXXX I contacted XXXX XXXX XXXX customer support and asked for a refund. I did not think it would be a problem because I had not received services just yet, plus I was told about a money back guarantee over the phone prior to signing up. Though I was never sent the documents as promised by the salesperson. \n\nWell, I was told that I could not receive a refund because XXXX XXXX XXXX had a no refund, all sales are final policy. However, I did not know this because as stated above, I signed up for this service via a direct XXXX invoice link which did not have companys policies/terms. \n\nAgain, I did not sign up for this service through a website, sales page, landing page, or anything thus never having the opportunity to view company 's policies. So after going back and forth with XXXX XXXX customer support and being denied a refund, I then turned to Affirm as a recourse to try and get a refund. \n\nI filed my dispute with Affirm on XX/XX/2023. I included all documents that would try and prove that I signed up for a service that I wasnt given the opportunity to know about a refund policy. I just knew I would win my dispute because there would be NO WAY possible that XXXX XXXX XXXX XXXX XXXX XXXX XXXX could prove that I in fact signed up for their services other than this direct XXXX payment invoice link ( no website ) that I sent Affirm as evidence. \n\nBut, after a few weeks of Affirm doing their investigation, I was sadly mistaken. Affirm closed the dispute in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was completely shocked and devastated. \n\nAfter begging and pleading with Affirm customer support and through private messaging via their portal, a representative explained that the reason I lost my dispute was because I did not read XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX no refund policy which was at the bottom of their website. The website address included in this explanation was ( XXXX ). \n\nThis is the moment I realized that XXXX XXXX of XXXXXXXX XXXX XXXX XXXX XXXX  XXXX is a complete FRAUD & SCAMMER!!! The name on his XXXX  account is registered under XXXX XXXX XXXX which is the same company name on the screenshot that I sent to salesperson XXXX as evidence to show when my payment was completed via mobile. Again, my payment was not completed through a website. I was a direct invoice link via XXXX that had the option to choose Affirm to finance. \n\nXXXX XXXX of XXXX XXXX XXXX deceptively sent Affirm a website to show this frivolous no refund, all sales are final to try and discredit my argument that I was never given the opportunity to view the company 's policy. This website name matches his XXXX account name ( the name that was on my direct invoice completed payment ) And because of this, I was told by an Affirm team member that I signed up for a service via this website and did not read the fine print by scrolling to the bottom of the website. This is NOT true! \n\nXXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent Affirm a website link that I did NOT sign up for this {$5000.00} service through. I had never seen this website before Affirm shared it with me. In fact, the website has NOTHING to do with the service I was sold. The coaching service is not even listed on this website at all! This website is for another business that XXXX XXXX owns via XXXX XXXX XXXX XXXX that is all about selling software to real estate professionals. After viewing this website, I recorded a video of the entire website to prove that this website has NOTHING to do with services that I was sold. Again, I signed up for personal 1 to 1 coaching services, not software. \n\nAfter realizing XXXX XXXX of XXXX XXXX XXXX fraudulently and deceptively won his dispute with Affirm using this frivolous website, I tried pleading and begging with Affirm to escalate my dispute, because I knew he lied and that I was being scammed by XXXX XXXX!! But, I kept being told by Affirm there was nothing they could do and that they would not be able to reopen the dispute. \n\nAfter being told numerous times by Affirm there was nothing they could do, I tried contacting XXXX XXXX of XXXX XXXX XXXX again to see if he would have a heart and be willing to refund me. After all, the services had not been rendered. Plus, he knows that he did not sign up through a website. And I definitely did not want the services as it was plain to me that XXXX XXXX lacks integrity and is a complete SCAMMER! \n\nI contacted XXXX through his assistant and scheduled a XXXX call. The first call, he was a complete no show. I reached out to his assistant again, and rescheduled. The second time, he showed up to the meeting. It was very awkward for me as this was the first time I had ever spoken to XXXX and knowing that he lied to Affirm about me signing up on this website. But instead of calling him out on it, I decided to just nicely ask for a refund. He couldnt even look me in my eyes during the call. His body language spoke of his true character and nature. Long story short, XXXX said that he would have to think about refunding me because he claimed my dispute affected his XXXX XXXX XXXX XXXX  account. \n\nWhat does this have to do with me as a customer that feels like Im being blatantly robbed? As a business owner, disputes happen. And besides, I wouldnt have had to place a dispute with Affirm if this fraudulent company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX would have just done the right thing and refunded me. \n\nWell, after a couple days of having the XXXX call, XXXX XXXX messaged me and said he can not refund me because his XXXX  account is affected for life due to the dispute I made with Affirm. Basically an excuse. Its as if hes punishing me for having made a dispute because his ego could not accept the fact that I changed my mind to work with him. And because Affirm made this okay by siding with his company, he feels that he can get away with stealing {$5000.00} from me. \n\nHeres where Affirm dropped the ball : - Affirm did not have XXXX XXXX  XXXX XXXX XXXX XXXX XXXX prove that I in fact signed up for this $ XXXX coaching service through XXXX. Especially after stating in my evidence that I signed up directly via a mobile through a direct invoice link which does not match the URL XXXX And, I did not think to say this in my dispute because I did not sign up through a website in the first place. It never occurred to me that a website that I did not know about could be used against me in this case. \n\n-the screenshot I sent in as evidence of the link I used to sign up does not have XXXX in the link at all. It was manual invoice link proving that I did not sign up through XXXX  -In my evidence, I stated that I did not receive a receipt of payment from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX which is a red flag. \n\n-When you closed the dispute in favor of XXXX XXXX XXXX a fraud, it gave no other recourse for me to get a refund because this company was given permission to get away with this. \n\n- Affirm did not properly investigate my evidence against XXXX XXXX. You did not cross reference the link that was sent to me via text to sign up for this service versus the website link that XXXX XXXX sent to you. They are not the same. \n\n-Given my argument in the dispute, Affirm did not diligently look over the website that XXXX XXXX XXXX provided to ensure that the service I signed up for was on their website. Fact -there isnt a {$5000.00} coaching service listed on this website. \n\n-Due to this being a service ( and not a product ), you did not properly investigate to cross reference this website that company sent to my evidence. You just took their word. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX was able to get away with stealing from me because of this frivolous policy, that he was able to deceive Affirm with, he will do this again with another customer. This is a predatory practice! \n\n\nIn closing, I have been completely scammed by XXXX XXXX of XXXX XXXX XXXX out of {$5000.00} ( {$7000.00} with finance charges ) for a service that I never received nor do I want. And Affirm did not have a way to protect me from this predatory, scamming, fraudulent company by allowing me to rebuttal this frivolous policy. Especially because this is a service- not a product. There should have been a more in depth diligent investigation such as having the company to provide evidence that client signed up through website. \n\nAffirm needs to understand that personal coaching services can be sold over the phone without a website, unlike a product. That a company can directly send customer to a direct payment invoice link such as in my case. Thereby bypassing company polices. So a thorough investigation needed to be conducted in this case to ensure the customer is protected from such predatory practices. \n\nBecause this did not happen, I am now a victim of deceptive marketing and unethical business practices by XXXX XXXX of 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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7622044", "source": "cfpb", "group_id": "cfpb/ba91bdcd47df5e355ed9", "variant": "clean", "length_bucket": "long", "chars": 10768, "company": "Affirm Holdings, Inc", "date_received": "2023-10-02", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "ba91bdcd47df5e355ed903f5491e253d43a0209eec4a657c2423d01db8fa6228", "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 FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXXXXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. \n\nPlease validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. \n\nBest Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8259597", "source": "cfpb", "group_id": "cfpb/b8cf9a052a158de5cb28", "variant": "clean", "length_bucket": "medium", "chars": 1796, "company": "Experian Information Solutions Inc.", "date_received": "2024-01-31", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "b8cf9a052a158de5cb286a7666c162412cca854aa009aae2f28b9e5137d2df0c", "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 Capital One sent me an adverse action letter for the denial of my consumer credit transaction. I am aware that I am a consumer who cant be denied for an extension of my credit. Capital one is considered as a bank and federal regulations has made it clear banks borrow and not lend money. Any bank asking for a social security card in return for a loan, knowing theres no lawful money to lend is in violation with federal regulations. I am a consumer/creditor/natural person/executor/beneficiary who has been discriminated against and deprived of my rights to trade. Capital One has also furnished information about my employment status without my permission and violating my rights to privacy.", "questions": {"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/5159295", "source": "cfpb", "group_id": "cfpb/a7537acb9e1dcbcd7586", "variant": "clean", "length_bucket": "short", "chars": 707, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2022-01-28", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Credit denial", "text_sha256": "a7537acb9e1dcbcd75869beb7291ce14766d8402788ccd448c7005b3c19bd7c2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX. \nNow, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus. \nHSBC had NO issues having their collections department contacting me. I tried their \" general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my \" point of contact '' was fictional. \n\nDear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty. \n\nI will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately. \n\nPlease contact me directly if you have any questions in the meantime. \n\nBest, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after 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": "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/3043716", "source": "cfpb", "group_id": "cfpb/9f1c30654a0d6cc1aca2", "variant": "clean", "length_bucket": "medium", "chars": 1329, "company": "HSBC NORTH AMERICA HOLDINGS INC.", "date_received": "2018-10-11", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "9f1c30654a0d6cc1aca2829b769daaf5f65c453c7c10271490ec279711747cc2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. \n\nIn accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\n\n\nXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # 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 of 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"}}, "_meta": {"id": "cfpb/7853726", "source": "cfpb", "group_id": "cfpb/dbeccf82e649ccdff9e1", "variant": "clean", "length_bucket": "short", "chars": 1199, "company": "Experian Information Solutions Inc.", "date_received": "2023-11-15", "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": "dbeccf82e649ccdff9e1036aa19f9aa49b8eb384e018ec044a7f867f3a67548f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "i had a fraudulent check taken out of my account for XXXX. i have original check and blank duplicate check. ive told the bank its a fake check. There are 3 easily spotted differences but i still have zero communication. my check has a picture of a camera. thats not there on fake chk. secondly, the word date is under the line where the date is. lastly, the check is bold on just my name but fake one the name and my address is all bold. \nthe check was wriiten on XXXX, deposited by mobile deposit to XXXX on XXXX. on XXXX XXXX looked at account and called fraud dept with both bank of america and XXXX where check was deposited. \nbank of america fraud - keisha XXXX claim # XXXX XXXX XXXX XXXX XXXX / XXXX XXXX said she was who i spoke to at XXXX to speak on the fradulant deposit. she said they were putting a hold on the money and she told me to do a stop payment on ck # XXXX i did stop payment on XXXX with bank of america and provided bank of america XXXX tel with XXXX fraud dept # XXXX im super frustrated because its obvious its a fake check and the bank is telling it could be 60 days before they make a decision wether i get my money back. this is rediculous. they have given zero information and i want my XXXX of my money back in my account. i hold for over 2 hours and none can tell me anything. \npolice case # XXXX XXXX county XXXX XXXX XXXX i can email copy of blank check, fraudulent cleared check, bank print out showing money coming out of my account. I think i got XXXX  fraud dept to freeze money. \nXXXX 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": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5286753", "source": "cfpb", "group_id": "cfpb/c402908bd75f83c825b9", "variant": "clean", "length_bucket": "medium", "chars": 1534, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2022-03-04", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem making or receiving payments", "text_sha256": "c402908bd75f83c825b96849be78c0f2eb7ae6c2989a9f79fe76135ecb8adcf9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I consolidated XXXX Loans in to XXXX with my credit union, because the high instrest rate i was paying them. Check was send out on the XXXX XXXX XXXX XXXX  on the XXXX XXXX XXXX XXXX of the company loans was closed but not conns they keeping telling me the have note received the payment today is the XXXX XXXX XXXX XXXX and on there webset my payment still have not made it to them. I have delt with them before on this same issure before they will hold that check for XXXX days and conitune to get insterest off the loans. also they did not want to give me a XXXX day payoff when i call them. So this company those this on purpose.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8747266", "source": "cfpb", "group_id": "cfpb/07eb54524adbe40a5a5b", "variant": "clean", "length_bucket": "short", "chars": 633, "company": "Conn's, Inc.", "date_received": "2024-04-11", "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": "07eb54524adbe40a5a5bf28fe199aea258bc3fd69ad45b170a6d389aba781d99", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX received a call from a process server representing XXXX XXXX out of XXXX, TX. She ( XXXX ) stated that she would be serving me a summons the following day because I was being sued by XXXX for possible wage garnishment over a debt collection. \n\nWhen I contacted XXXX they stated that if I didn't settle I would be served and sued. When I requested validation of debt, the rep stated that she didn't have that information and that they were not a debt collection agency and suggested I contact the original creditor. \n\nI was able to obtain a date and business name from the rep and she stated that the statute of limitations in Ohio was 15 years. This debt was supposedly from XX/XX/XXXX, 14 years ago. She also stated that the previous debt collector has tried reaching me since XX/XX/XXXX and that XXXX had only obtained the debt 3 weeks ago. Approximately 5 months ago someone called me regarding this issue and I requested validation of debt and was told \" that information isn't available, as we are not debt collectors, but a 3rd party ''. \n\nCan XXXX attempt to collect a debt while stating that they are 3rd party litigation and not a debt collector? While also requesting and offering settlement options? \n\nCan XXXX have someone call you, stating that are a process server, and threaten summons, suit, and wage garnishment if not handled? \n\nCan XXXX state the amount of debt and then state another price incurred if the summons is served, at nearly 3 times the original debt? \n\nMy ignorant self paid {$700.00} on a debt I'm not entirely confident was mine ( I know I know ).", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3164110", "source": "cfpb", "group_id": "cfpb/fdc372b5ba364d6d8efa", "variant": "clean", "length_bucket": "medium", "chars": 1591, "company": "HUNTINGTON NATIONAL BANK, THE", "date_received": "2019-02-27", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened to sue you for very old debt", "text_sha256": "fdc372b5ba364d6d8efa91cc12f3f620234c279823e6f48e2dacbfe4808bdbcb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Trying to obtain original MPNs for my student loans as well as subsequent transfer MPNs. I have contacted the university, StudentAid.gov and FedLoan, the only document I finally received was an MPN for consolidation in XXXX. The original loans were for XXXX, consolidated first between XXXX and 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/5901845", "source": "cfpb", "group_id": "cfpb/6f096235d8189c795024", "variant": "clean", "length_bucket": "short", "chars": 300, "company": "AES/PHEAA", "date_received": "2022-08-22", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "6f096235d8189c7950248f89ed187e930529acc4951a7eab47c3ed16a3538217", "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 To : CFPB From : XXXX XXXX XXXX NMLS MLO # XXXX To Whom it may concern, On XX/XX/XXXX, I was invited to an eight-hour continuing education class for NMLS Federal Laws and Regulations, Ethics, non-traditional mortgage training, and mortgage origination which was to include two hours of CA continuing education, as well. This class was orchestrated and facilitated by loanDepot, Branch Manager, XXXX XXXX XXXX XXXX NMLS # XXXX, ( XXXX ) XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX. The class was held at loanDepots UTC facility at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Approximately 43 loanDepot Mortgage Loan Originators attended and to my knowledge were all credited for the class. The scheduled 8-hour continuing education class commenced approximately at XXXX XXXX and concluded at approximately XXXX XXXX with snacks, some light humor from the moderator with mention of how much better the class was than having to do the actual CE. \n\nPlain and simple it was NMLS CE fraud. Pursuant to the course I was requested to pay for the course. I refused to pay for the course and went on to complete the courses in the XXXX XXXX   environment which was about 20 hours of material and study. I did receive several communications from the XXXX XXXX XXXX, XXXX XXXX and his assistant XXXX XXXX, of a harassing nature, demanding that I pay for the class. Of course, I did not pay for the course as it did not meet NMLS requirements and refused to expose my NMLS licenses to the loanDepot / XXXX XXXX, XXXX Fraud scheme. \n\nI bring this to your attention because this rouge and fraudulent behavior by a large mortgage company like loanDepot betrays the public trust we have fought so hard to regain since the mortgage crisis. Lastly, I personally brought this to the attention of loanDepots CEO, XXXX XXXX, The COO, XXXX XXXX, and Human Resources on XX/XX/XXXX. To my knowledge, the 43 MLOs, XXXX XXXX are still working under their ill-gotten license renewals. \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": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3181403", "source": "cfpb", "group_id": "cfpb/adcfa1ffd9412baedb77", "variant": "clean", "length_bucket": "medium", "chars": 1999, "company": "LD Holdings Group, LLC", "date_received": "2019-03-15", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "adcfa1ffd9412baedb77ebb4d9d93a40d679b9887ac44cbb5654b04d9350267d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After several calls and discussions, I was able to be placed on the save program. I received a letter XX/XX/year> saying I would be on the save program for 12 months at {$0.00} a month payments. On XX/XX/XXXX, I received another letter that I was moved to another payment plan for 12 months at {$180.00} a month payment. I did not request this change and there is no explanation as to why I was changed. \n\nAdditionally, no one can explain the interest accruing on 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": "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/8204037", "source": "cfpb", "group_id": "cfpb/ada00355aa44b1532216", "variant": "clean", "length_bucket": "short", "chars": 475, "company": "MOHELA", "date_received": "2024-01-22", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "ada00355aa44b15322167fca5c855bfe10d51ad49cb7e6fd2951ebcdf310704f", "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 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 .AMEX bal. {$4600.00} 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 po box 4503 Iowa City, Iowa 52244", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4816966", "source": "cfpb", "group_id": "cfpb/829349158e742b7327eb", "variant": "clean", "length_bucket": "long", "chars": 5771, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2021-10-17", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "829349158e742b7327eb3c02b1872913f992915adf9e33c273661333d6e50326", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My father, who is an authorized user on my Home Depot Credit Card, had his Home Depot credit card used by someone else. I report the fraud to XXXX XXXX and they initially credited my account. However, a few weeks later I received a letter from Home Depot credit card stating that they had completed their investigation and my father did use the card and since he is an authorized user on my account, I am responsible for the charges. The only problem is my father was in the hospital since late XX/XX/2022 with a subdural hematoma and in a coma. My father never left the hospital and on XX/XX/2022, my father passed away. I provided this information to XXXX XXXX during our initial conversation. I again faxed this information, with supporting documentation on XX/XX/2022 and XX/XX/2022. Home Depot credit card stated they did not receive the faxes even though I have successful confirmation fax sheets for both faxes. I also mailed the supporting documentation on XX/XX/XXXX but again Home Depot credit card claimed not to have received the mail. I them certified mailed the supporting documentation to Home Depot credit card and they finally acknowledged receiving the information, but they have taken no action to remove the fraudulent charges from my account. I don't what else to do to prove to XXXX XXXX that neither I, nor my father, made these fraudulent charges. I told them to them to look at the video at the cash register where the charges were made and they told me they do not XXXX XXXX XXXX XXXX videos, which made no sense.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6084732", "source": "cfpb", "group_id": "cfpb/87d3bf86563cbf62ea9c", "variant": "clean", "length_bucket": "medium", "chars": 1539, "company": "CITIBANK, N.A.", "date_received": "2022-10-13", "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": "87d3bf86563cbf62ea9c02a0b5af8985240d63e6237b01877a28737c017fad29", "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 complaint regarding an issue I encountered with Bank of America branches in XXXX, MA, which caused significant inconvenience and financial loss. \n\nOn XX/XX/year>, I visited the Bank of America XXXX XXXX branch to request a certified check for {$17000.00} ( plus a {$15.00} fee ) to finalize a vehicle purchase ( XXXX XXXX XXXX XXXX, XXXX MA ). As per the agreement with my dealer, this transaction had to be completed on the last working day of XXXX. Unfortunately, due to technical issues at the branch, I could not obtain the check. The staff directed me to the XXXX branch, assuring me this would not impact the transaction. \n\nAt the XXXX branch, the staff attempted to confirm the transfer with XXXX XXXX. Still, despite their professional demeanor and efforts, they faced prolonged delays in communication with the XXXX XXXX team. Ultimately, I was informed that the funds had been frozen and that I would need to wait until the next business day to obtain the check. \n\nThis delay caused : ( 1 ) Damage to my business relationship, as I had to reschedule the transaction with my dealer.\n\n( 2 ) Additional expenses for transportation to revisit my dealer.\n\n( 3 ) The loss of credibility due to an inability to meet the agreed deadline.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10987391", "source": "cfpb", "group_id": "cfpb/60c3c3a8f6377266c654", "variant": "clean", "length_bucket": "medium", "chars": 1260, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-12-01", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "60c3c3a8f6377266c654323cb91a3cd313bb0143e9e748130bff9b2f719fbbf2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. \nActs 19\n\n86, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! \nThe following accounts listed on my credit as follows XXXX XXXX XXXX XXXX- over 5 years old debt not mines and was deleted because they couldnt validate and now back on XXXX  and XXXX  . No contract.\n\nIve also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 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.\n\nB ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.\n( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.\n\n( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.\n\n( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).\n\n( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.\n\n( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.\n\n( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( 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 ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.\n\n( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\n( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.\n\nWith this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays 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/2760989", "source": "cfpb", "group_id": "cfpb/5754cb345a30d0778873", "variant": "clean", "length_bucket": "long", "chars": 8449, "company": "Populus Financial Group, Inc. (F/K/A Ace Cash Express)", "date_received": "2017-12-20", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "5754cb345a30d0778873f78072b281b2757e64734899423a0e61c0edb59bd561", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Approximately four months ago, my mortgage began being processed and handled by a company called PHH Mortgage Services, and I immediately began having trouble with with their payment services. \n\nI've had a mortgage for over eighteen years and I pay dozens of bills monthly, both by telephone and on the lenders websites. Although some are more user friendly than others, all are doable within five minutes or less. \n\nThat is not the case with PHH Mortgage Services. \n\nAfter spending several hours attempting to make my first payment to them on their website, I was unsuccessful and forced to call them. No matter when I called, hold times were always in excess of 30 minutes, and many calls were even placed on hold indefinitely. \n\nIf you were lucky enough to ever reach a human, there was a fee for paying with their assistance, yet there was no other \" simple '' method for paying. \n\nI searched online and I immediately found that I was not alone. Several dozen PHH customers are all over XXXX, XXXX, and XX/XX/XXXX reviews, with the same complaints as mine ; difficult or impossible to reach a customer service agent, gratuitous hold times, malfunctioning payment systems, inability to submit payments, excessive fees for making payments, and then excessive late fees, negative credit remarks, and penalties when the payments are not made on time. \n\nI continued to struggle making my monthly payments, because their phone system was so antiquated and poorly organized. Making additional payments to my principal was near impossible, and the average call length was 15 minutes to pay. \n\nThen, for the month of XXXX, 2019, PHH took my mortgage payment out of my account twice. This overdrew my checking account by XXXX XXXX dollars, and it caused me to incur overdraft fees, as well as then being unable to pay the rest of my creditors on time. \n\nIt took numerous phone calls to my other creditors and financial institution to correct this issue, and it was fifteen days before PHH returned my money. \n\nFinally, on XX/XX/2019, I attempted to pay my XXXX mortgage payment, using the automated phone system as I had always done before. \n\nThe automated phone system refused to accept my payment, and repeated attempts yielded the same results. After well over an hour, I called and sat on hold for another hour, before reaching a PHH customer service agent. \n\nThe agent tried several times to process my payment, and they were not able to do it either. They then told me that my financial institution was to blame, so I called my financial institution. \n\nMy bank told me that no one had made any attempts at submitting payments requests to my account, and that I had well more than sufficient funds to handle any request. \n\nI then called PHH back, but I sat on hold for hours, and I never was able to reach an agent. Having 4.5 hours invested in attempting to make a simple monthly mortgage payment, I gave up and decided to try again on Sunday. \n\nOn Sunday, XX/XX/2019, I called in around XXXX Eastern time, and all PHH phone numbers, had a pre-recorded message which announced that their phone systems were down due to unforeseen technical difficulties. I continued trying again throughout the day and they recording was the same. \n\nI then attempted to pay online, and that system refused my payments as well. \n\nNow having almost 6 hours invested in trying to pay my mortgage, I called in Monday XX/XX/XXXX and I got the same message that the system was down. \n\nI waited a few hours and then called back, the system was then working, but a message informs you that hold times are much longer than usual, and that you will not be able to reach a customer service agent in under 30 minutes. \n\nSince I'm now at work, I can not sit on hold for several hours again, as I did all weekend long. My mortgage payment is due today, and I believe that PHH has already assessed fees to my account. \n\nI simply wish to pay my mortgage now, and in the future, with reasonable ease. \n\nI also believe that PHH has intentionally set their system up this way, so that customers are forced to incur late fees, and that as a result, customers will simply choose one of PHH 's other payment methods, which as they inform you in their recordings \" are profitable to them because of their arrangements with the companies whom handle those payments ''. \n\nI have recorded my calls with them, as well as the \" system down '' messages. I've also downloaded the excessive internet reviews and complaints against PHH, from their other customers, whom are experiencing the identical issues with them that I am.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3292433", "source": "cfpb", "group_id": "cfpb/2a86c964044c337fb595", "variant": "clean", "length_bucket": "long", "chars": 4579, "company": "Onity Group Inc.", "date_received": "2019-07-01", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "2a86c964044c337fb59561e01b907dc79cf3a1099ab9c4565109e5a35e07b852", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Signed up to open a checking account and saving account at BBVA Compass. I was signed up for a credit card as well, even when I specifically told them I did not want it. Now when I cancel it, it will effect my credit score. They sold me unsolicited merchandise against my direct and clearly stated request.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2086914", "source": "cfpb", "group_id": "cfpb/1d0794eed17c34ec814d", "variant": "clean", "length_bucket": "short", "chars": 306, "company": "BBVA FINANCIAL CORPORATION", "date_received": "2016-08-29", "product_raw": "Credit card", "issue_raw": "Unsolicited issuance of credit card", "sub_issue_raw": "", "text_sha256": "1d0794eed17c34ec814d695eb6940f7c8386dac9ee7e02b7d18b73aae289bff7", "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 XXXXXXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR.\n\n1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Notice, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and it is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. \n\nMY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! \n\nThere may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I ask that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. \n\nI HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. \n\nPlease CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! \n\nPlease note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. \n\nTHANK 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/8923455", "source": "cfpb", "group_id": "cfpb/a2c765c0fff8f7e10c33", "variant": "clean", "length_bucket": "medium", "chars": 2696, "company": "EQUIFAX, INC.", "date_received": "2024-05-04", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Personal information incorrect", "text_sha256": "a2c765c0fff8f7e10c332c0e6bf0b3b7508a37a1f09d58165182d30bcf6ad7b2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. \nFirst time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong  account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the \" Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. \nI am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest,  and repair costs {$210.00}. \n\nEnclosed /Copies :", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3026603", "source": "cfpb", "group_id": "cfpb/1a7ce119ea01838caf12", "variant": "clean", "length_bucket": "medium", "chars": 2196, "company": "TD BANK US HOLDING COMPANY", "date_received": "2018-09-22", "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": "1a7ce119ea01838caf12163d2d276e37597d5218d9a22f8dabf9b23ce4ec2a9d", "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 loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. \n\nI have gotten numerous threatening calls at least 6 times a day. \nSo I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. \n\nI have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3350707", "source": "cfpb", "group_id": "cfpb/2ec1616aa5f02b8636e7", "variant": "clean", "length_bucket": "medium", "chars": 1210, "company": "Navient Solutions, LLC.", "date_received": "2019-08-22", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "2ec1616aa5f02b8636e71277b0cff179f8d0ca63cd09f5fdcb42902bcb72ef03", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have had several of these XXXX XXXX  short term loans with possible in the past, and this one I had an emergency come up and was running low on cash, possible always has a popup in the app that says \" need to reschedule your payment? '' So I decided to try it. It said this won't affect your credit and gave me several different dates to choose from in the current month And as far as XXXX months out. I rescheduled for XXXX weeks later. That payment date came around and I paid it, the next payment I decided to reschedule just to try and get everything caught back up. I chose a date that was more than XXXX  days out and The disclaimer came on the screen and said this won't affect your credit but might affect future loans with possible. I decided to take the risk, since it wouldn't hurt my credit and these loans are very expensive. Fast forward to XXXX  days before my last XXXX payments are due all the sudden possible  has reported my account XXXX days late to the credit agencies so I emailed them. They said well if its past XXXX  days your late. This is a XXXX XXXX app, why would a ) they allow me to post pone a payment so far in the future it would show late on my reports, and b ) why would I post pone for that same reason. I have worked very hard to get my credit to where it is again. Now, they have reported me delinquent even tho I payed the whole thing off the day I found out about the late reporting. I paid it XXXX  days ago and I keep getting emails saying its in default its reporting late, delinquent and deragatory on the credit reports. and the customer service will not respond and if they do its a cookie cutter response that has nothing to do with my 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/8947118", "source": "cfpb", "group_id": "cfpb/933b18e3a7d2c6e46e6e", "variant": "clean", "length_bucket": "medium", "chars": 1696, "company": "Possible Financial Inc", "date_received": "2024-05-07", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "933b18e3a7d2c6e46e6ec8ea7a7d487ffa5306d91640c30a6d83763453ada2cd", "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 FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against transunion, XXXX and XXXX  as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Transunion, XXXX and XXXX   arbitration bylaws .Transunion , XXXX and XXXX   removed accounts and readded them back on my credit report and due to the FCRA , I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Transuinion, XXXX and XXXX did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Transunion, XXXX  and XXXX  reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As transunion, XXXX  and XXXX has violated the  FCRA..Transunion, XXXX and XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX {$6000.00} XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and Chief Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX VP/Sr XXXX of Regulation and XXXX XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX XXXX Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vice president chief legal XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX and XXXX Transunion XXXX XXXX XXXX XXXX XXXX Vice President Transunion XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXX Transunion XXXX XXXX XXXX XXXX Senior analyst consumer experiences Transunion XXXX XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion 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/3226748", "source": "cfpb", "group_id": "cfpb/73a0ca3be9f2c0bdab3a", "variant": "clean", "length_bucket": "medium", "chars": 2841, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2019-04-29", "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": "73a0ca3be9f2c0bdab3ad9e9e02908d6002494257925ea285806c42d6123a2ef", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a vehicle loan with First Investors Servicing Corporation ( Lender ). Due to the events of XXXX it had become difficult to maintain my personal liabilities ( bills ) at current and satisfactory status. \n\nIn XXXX of last year, I had reached out to the lender to advise of my plans to make my account current and arrange payment. The agents I spoke with wouldn't indulge any reason as to why the loan was past due, but rather yelled, belittled, and threatened to take my car. They wouldn't entertain a payment arrangement that would satisfy the account the first week of XXXX ( the following month ). I was so upset with the interaction with the agent and her XXXX and scared that my car would be taken away before I could satisfy the account, that I immediately pulled funds from my 401k. Then subsequently paid {$1100.00} in XXXX, by, XX/XX/XXXX. \n\nMoving forward a few months my payments were scattered, but in XXXX of this year, XXXX I paid {$800.00}. Due to the new year and becoming financially stable, XX/XX/XXXX or XX/XX/XXXX all of my liabilities would be current and in good standing, due to the economic stimulus payment of {$1400.00} being mailed to my on XX/XX/XXXX. \n\nI received an email from the lender on XX/XX/XXXX requesting I contact them. I did so via email, and i received no reply. I am not going to put myself through a battery of XXXX  again by calling them. Today ( XX/XX/XXXX ) I received another email from the lender indicating that I need to contact them ASAP due to the account being past due. The email also indicated that if the account isn't made current \" promptly '', it will be \" escalated '' to enforce the note, and since \" enforcement '' would include \" moving to the pre-repossession stage and then possible repossession of the motor vehicle serving as collateral ''. \n\nToday, I noticed my car was missing, and my property XXXX didn't tow my car, I called the lender. They indicated to me that the vehicle was repossessed this morning. They have assessed a total charge of {$1900.00}. Charges including {$1100.00} past due amount, {$18.00} late fees, {$730.00} security payments, {$460.00} in repossession fees. \n\nOn XX/XX/XXXX I received an email communication from the lender to contact them due to my account status. I promptly replied to the email seeking resolution, however, the lender never responded. Today XXXX XX/XX/XXXX XXXX, I realize my vehicle is missing. After speaking with my residential property XXXX, and they affirmed that they had not towed my vehicle, I immediately contact the lender. The lender informs me that my vehicle was repossessed this morning. \n\nThe lender sent me an email this morning ( XXXX XXXX XXXX ) asking that I contact them promptly in order to resolve my account status. If I do not do this promptly, then the lender may enforce the note/contract, and move to \" pre-repossession '', and then possible repossession of the vehicle. \n\nEMAIL BODY VERBATIM : \" My name is XXXX XXXX from First Investors Servicing Corporation. Your account has now reached the stage where it must be resolved promptly, or it will be escalated, and we will move enforce the agreement and protect our interests. Since enforcement will include moving to the pre-repossession stage and then possible repossession of the motor vehicle serving as collateral, it is imperative that you contact us ASAP to make satisfactory arrangements. Please call us at XXXX. If you do not have a business relationship with us, please disregard. '' According to the lender, on XX/XX/XXXX and XX/XX/XXXX, my account status is in \" pre-repossession ''. However, the lender repossessed the vehicle without allowing me to comply with their email communication. The lender can not ask me to contact them promptly to avoid repossession, if, in fact, they have already repossessed the vehicle. Please also note that the monthly statements that I have received did not indicate stages of repossession. \n\nThe lender is in violation of, but not limited to, UDAAP under the Dodd-Frank Wall Street Reform and Consumer Protection Act. This complaint should also be recorded and sent to the FTC for review for possible FDCPA violations, regardless of the lender being first party. \n\nThis complaint and details will also be forwarded to my attorney, XXXX XXXX, XXXX with XXXX XXXX XXXX. All communication from the lender in response to this complaint or any of their unlawful actions towards me, must also copy or send said communication to my attorney. The lender may initially contact me to resolve this 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": "repossession", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4249838", "source": "cfpb", "group_id": "cfpb/f7249a8b9684cb20991f", "variant": "clean", "length_bucket": "long", "chars": 4543, "company": "First Investors Servicing Corporation, Atlanta, GA Branch", "date_received": "2021-03-26", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "f7249a8b9684cb20991fd8b46ac80ab525760dd62053faa92342d9977bab1262", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "BBVA USA is the most dishonest and unethical bank I have ever dealt with. \n\nIn XX/XX/XXXX I opened a Money Market account with BBVA USA bank ( XXXX, AL ). I chose BBVA specifically because they advertised on-line an interest rate of 2.4 % which was competitive with other banks. Within a short time after opening and funding the account, I noticed in the on-line banking app that the interest rate on my account was only 1.39 %, 42 % less than what was advertised. I called to complain about this \" bait and switch '' to BBVA. On XX/XX/XXXX, XXXX of BBVA sent me a message documenting that I had complained about the interest rate. At that time, his response was only that BBVA wasn't showing any deposits listed in the account. He said he couldn't actually see what interest rate was being paid on my funds. From XXXX to XX/XX/XXXX I deposited {$200000.00} in the account, thinking that XXXX would correct the interest rate to the advertised rate. However, when I went online I found that the interest rate was still at 1.39 %. I tried to withdraw funds online from the account, and found that BBVA limits withdrawals to {$5000.00} per day and {$10000.00} per month, and they also charge a {$3.00} per transaction fee for each withdrawal transaction, which I had never seen in a bank. I tried to transfer {$5000.00} on XX/XX/XXXX but BBVA failed to execute the transfer. I called to complain and inquire as to how to transfer the refunds. They offered to sell me a set of checks which I could use to close the account, but they do not provide any free checks. BBVA obviously gets funds by bait and switch and makes it as hard as possible for customers to withdraw funds.\n\nWhen I advised BBVA by phone that I wanted to close the account due to the \" bait and switch '', high fees and poor customer service, I was told that I would need to send a written request to close the account, with instructions of where to transfer the funds, and a copy of my driver 's license. I provided that information in a letter on XX/XX/XXXX. That letter contained instructions to transfer the funds by EFT to an account at another bank, which had already been linked electronically to my BBVA account. Over three weeks later, BBVA had not responded to my written instructions, although they did post a message confirming they received the letter. When I called to follow up, they said I needed to have the letter notarized ( not mentioned in their original request ), which I immediately did and re-sent it on XX/XX/XXXX. It is now almost two weeks later and I still have no response. So I called again on XX/XX/XXXX. They said they had not received the letter. I demanded, consistent with their fiduciary duty, that BBVA transfer the funds by EFT to the external bank that was already linked to my account. I told them it was my funds, my intentions were clear, they had the EFT link already established and had used it to transfer funds INTO the account. They refused to remit my funds and told me that I needed to send yet another letter, notarized and with a copy of my driver 's license ( I have already sent, and they have acknowledged receipt of such letters, notarized and with copy of drivers ' license ). I believe the only reason they are requesting this third letter is to further delay the return of my funds, allowing them to unjustly benefit from their very low interest rate.\n\nThe above practices are all unfair, unethical and illegal. BBVA advertised one rate and paid a rate nearly 40 % below the advertised rate. BBVA violated its legal and fiduciary duties by ignoring repeated requests to EFT transfer my funds and illegally holding over {$200000.00} of my funds when my instructions were crystal clear and made three times orally, and two times in writing.\n\nConsumers should be warned to stay far away from this bank, with their deceptive, unethical and illegal practices. I hope the bank regulators provide appropriate sanctions and punishment for BBVA 's behavior. I have copies of all correspondence and notes of my many conversations 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"}, "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/3524022", "source": "cfpb", "group_id": "cfpb/b81eb2672d05e3eae5cf", "variant": "clean", "length_bucket": "long", "chars": 4058, "company": "BBVA FINANCIAL CORPORATION", "date_received": "2020-02-07", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Can't close your account", "text_sha256": "b81eb2672d05e3eae5cfbc580be2fc409d5bb0c2153095684b3d5cb387e1845f", "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 husband and I leased a vehicle through XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. A copy of the lease is attached. \n\nSection 6 Lease Payments clearly states our first lease payment in the amount of {$1000.00} was made that day, to be followed by 32 payments in the amount of {$1000.00} each, totaling {$35000.00}.\n\nINSTEAD OF 33 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$35000.00} AS CLEARLY STATED IN THE LEASE,  XXXX  XXXX XXXX XXXX/JP MORGAN CHASE BANK, N.A., COLLECTED 34 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$36000.00}. \n\nThe automatic withdrawal of the lease payments from our bank account began on XX/XX/XXXX and should have ended with the XX/XX/XXXX withdrawal. Instead, and although the leased vehicle had since been turned in, XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. deducted an additional payment in the  amount of {$1000.00} on XX/XX/XXXX. \n\nI phoned XXXX  XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. in XX/XX/XXXX and informed them of this error. They acknowledged the error and stated a refund would be issued to us in the amount of {$1000.00}.\n\nWhen the refund was never received, we followed up with XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. Instead of refunding the amount of the additional payment of {$1000.00} to us, we were told the credit had been issued to XXXX XXXX XXXX XXXX, the dealership to whom the leased vehicle had been returned. In speaking with XXXX XXXX, the General Manager of XXXX  XXXX XXXX XXXX, the dealership has no record of receiving this credit. \n\nAlthough the lease was in our names and the money, including the overpayment, was withdrawn from our bank accounts, the representatives at XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. were extremely rude, condescending and refused to provide any details on our lease transactions or payment history. When we continued to press for details, they hung up on us.\n\nI am attaching redacted bank statements indicating the first lease  payment being withdrawn from our bank account on XX/XX/XXXX and the last lease payment being withdrawn from our account on XX/XX/XXXX as proof that a total of 34 payments, not 33 as  stated in the lease agreement, were paid or withdrawn from our account by XXXX XXXX XXXX XXXX/JP Morgan Chase  Bank, N.A. \n\nThe vehicle was purchased from XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. by XXXX XXXX XXXX XXXX, the dealership who accepted the lease return. Therefore, there should be no disposition fee.\n\nI would request that the overpayment of {$1000.00} be refunded to us 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": "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/3911017", "source": "cfpb", "group_id": "cfpb/bc644242def58cef1253", "variant": "clean", "length_bucket": "medium", "chars": 2555, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-10-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "bc644242def58cef1253f3fc0c4fa0e8411d5af9f5ce08c397e094409069667c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Years back, I brought a car from XXXX XXXX, XXXX, located atXXXX XXXX XXXX, XXXX, NY XXXX. The vehicle was financed through XXXX XXXX, XXXX was found to be a predatory lender, and I was part of a complaint filed against them in 2016. XXXX still has outstanding complaints with the XXXX. I was told by XXXX and sent a letter stating that the lone was canceled and that the information would be removed from my credit report, and it was. About two years later, I got a call from someone at Collins Asset Group , Llc, located at XXXX XXXX, XXXX, TX XXXX XXXX When I explained to them that the debt was with XXXX and that the lone had been canceled and I informed them of the ruling, I didn't hear from them. Later I found out Collins Asset Group , Llc reported me the credit agencies. When I contacted a lawyer, I was informed that XXXX XXXX went out of business and that the statute of limitations had run out to collect on this debt. Given all this information, Collins Asset Group , Llc, is still pursuing this debt, and I have written many times asking them to remove the false information from my credit profile. And in a recent phone call, Collins Asset Group , Llc did not inform me that the statute of limitations had run out to collect on this debt and instead tried to get me to agree to a 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": "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/4804788", "source": "cfpb", "group_id": "cfpb/e8406b0f1bd3a915ad4a", "variant": "clean", "length_bucket": "medium", "chars": 1315, "company": "Collins Asset Group, LLC", "date_received": "2021-10-13", "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": "e8406b0f1bd3a915ad4af4612fe6a6b80eb09b2079371a1f631bdc888bca1388", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I need help on an American Express XXXX XXXX issue. \n\nQuick facts : 1. Ive been an American Express cardholder since XXXX. \n\n2. On XX/XX/XXXX, I responded to an XXXX offer for a personal loan for $ XXXX, for several projects at my house. In responding to the offer, I filled out the required online XXXX XXXX application. As part of that process, I entered the routing and account numbers for my XXXX checking account. \n\n3. XXXX XXXX XXXX, I called XXXX XXXX Loans Division to check on the status of the loan processing. I advised that I had not seen any funds land in my XXXX account since completing the pre-approved application XXXX weeks earlier. I was advised that the XXXX XXXXXXXX had been sent to my XXXX account at XXXX XXXX account that has been closed well over a year. The XXXX XXXX account, as well as a XXXX XXXX account, had been linked to my XXXX card in prior years and they could not say why they randomly selected the XXXX as opposed to the XXXX XXXX account.but that is not significantas I distinctly remember opening the XXXX app on my XXXX, as I knew the routing and account numbers were displayed in the XXXX app in a legible font. XXXX was unable to explain why the funds were sent to XXXX, or what exists in their operating policies or procedures that caused them to erroneously select the XXXX account as opposed to erroneously sending the funds to the open but inactive XXXX XXXX account. I asked the rep if she saw any record of the XXXX numbers that I had carefully entered in the blank fields in the online loan application and the rep indicated that she didnt, but that that part of the online application program doesnt always work correctly. \n\nXXXX. At that point, I asked to have my case escalated to a XXXX XXXX  XXXX. I was told they would do so, but that none are available and theyd put in a callback request and that I should hear from a supervisor in XXXX hours. I did receive a callback, but heres the rub. XXXX  XXXX XXXX XXXX is that they cant do anything on my erroneous alleged loan account until XXXX is successful in clawing back ( XXXX  descriptor, not mine ) the XXXX XXXX  that they sent to the wrong place. \n\nThey also said that if I still wanted a loan, their procedures were such that Id have to reapply. I responded that based on this experience to date, I have no interest in doing any business with XXXX XXXX Loans division. \n\nXXXX. Currently XXXX shows I have a personal loan account with a balance owed of XXXX XXXX. Fact : While this loan has already appeared on my credit record, I have never received a single XXXX of the alleged loan proceeds. XXXX blundered badly by sending the intended loan proceeds to a non-requested financial institution and they refuse to take any action to correct THEIR ERROR until they recover the funds they erroneously sent. \n\nTo add insult to injury, although their XXXX up was clearly identified by me to them on XX/XX/XXXX, when I called back on XX/XX/XXXX, in response to my direct inquiry, I was told that XXXX did not have any record on my account of any steps that they had taken since XX/XX/XXXX to get their funds back. \n\nBut wait, it gets worse. \n\n6. On XX/XX/XXXX, I received an email from XXXX, reminding me that my personal loan monthly payment was past due and that the payment due date for the current month is due soon. XXXX operation is not only totally screwed up, but its almost customer-hostile and being XXXXXXXX XXXX, Id add into the mix a very strong dose of elder abuse as well. \n\n7. On XX/XX/XXXX, I started getting XXXX card transaction declined emails from XXXX \" because XXXX or more of your accounts is past due. I called XXXX XXXX  division, as I already knew that the XXXX loan division keeps bankers house, M-F, with no reps on the weekend. The XXXX XXXX rep confirmed that it is the personal loan that is the issue and the only way I could use my XXXX  card was to make my alleged loan account current. \n\nHmmmm, now let me see.to continue using my XXXX card, Id have to make a payment on the XXXX loan that I never received XXXX XXXX of and that the incompetent XXXXXXXX XXXX loans team randomly picked a non-specified location to place the loan proceeds with. Needless to say, I declined the XXXX loan payment option and instead spent multiple hours removing my XXXX card info from each and every account where it was listed as the default payment source. XXXX XXXXXXXX XXXX video, monthly premium for pet insurance, XXXX, etc.. I used my XXXX  card so consistently that I know all the numbers from memorywhich is almost impressive, seeing as how I turned XXXX in XXXX and beginning to have some of the memory challenges that are not uncommon amongst fellow octogenarians. \n\nXXXX offer an observation and that is, with this many screwups and policies that penalize customers for errors made by American Express, not the ( now former ) customer, and their inability ( or desire? ) to correct their error in less than XXXX weeks, and to harass customers with past due notices for payments on a \" phantom loan '', there is definitely something rotten in the middle and/or senior management ranks of the XXXXXXXX XXXX  loan division. They're either incompetent or running a scam. \n\nI am happy to report that there are XXXX clear exceptions to the above paragraph. A XXXX by name of XXXX and a XXXX by name of XXXX both somewhere in the XXXX XXXX Customer Service operation, been very professional, and have tried to get things resolved, but they have to operate within the customer-abusive policies outlined above. \n\nMistakes can happen. Thats understandable. Although XXXX errors in creating this situation is inexcusable in even a mediocre financial institution, much less XXXX To have absolutely NO resolution in XXXXXXXX XXXX and counting, and to badger a customer and send collection notices and suspend their credit card, when they are clearly at fault, is customer-hostile behavior and XXXX should be severely sanctioned for such incompetent and abuse behavior. And in this deplorable situation, it is also 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": {"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/7625666", "source": "cfpb", "group_id": "cfpb/027a87e197df09db8906", "variant": "clean", "length_bucket": "long", "chars": 6045, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2023-09-28", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "027a87e197df09db89060c046504a83921bd26e49fd4a394babc7f05b8eda612", "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 at approximately XXXXXXXX XXXX  there was an attempted to make a XXXX dollar withdraw from the XXXXXXXX XXXX ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The ATM displayed and error message and no cash or receipt were produced. The teller at the bank was informed and she stated that they do not service the ATM. On XX/XX/XXXX I noticed that the funds had been withdrawn from my account. I contacted USAA, with whom I bank and informed them of discrepancy at which point they informed me that they would investigate the matter. On XX/XX/2023 USAA informed me that they had denied my claim. On XX/XX/2023 I deputed the denial, which was also declined on XX/XX/2023. On XX/XX/2023 I received the documentation I had requested that USAA had used to deny my claim. The dates showing the ATM balances were illegible. I have also requested multiple times that USAA request the video footage from XXXXXXXX XXXX  as there are multiple cameras that have clear views of the ATM in question, including a camera in the ATM itself. USAA has done nothing to help with this situation and are refusing to credit me my money back or do anything else, despite multiple requests.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7544170", "source": "cfpb", "group_id": "cfpb/ed1428a2f0930c7c6358", "variant": "clean", "length_bucket": "short", "chars": 1185, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2023-09-13", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "ed1428a2f0930c7c63583b2bd330248469b1752f4ce7214abfd1b2c83a618bae", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In reference to previous CFPB complaint ID # : XXXX Bridgecrest has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. \n\nBridgecrest has illegally obtained my personal information and fraudulently used my social security number. I have never given Bridgecrest a SSA-89 form or given them permission to use my social security number. Bridgecrest is tampering with government property as my SSN was issued by the US Government. \n\nI filed an Identity Theft Report regarding Bridgecrest on XX/XX/22. \n\nI gave notice to Bridgecrest, which was received on XX/XX/22, that I would be rescinding from any fraudulent, implied contract that may have been made without my knowledge or permission in conjunction with the contract with XXXX. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Bridgecrest and returned to me on XX/XX/22. \nBridgecrest received a Cease and Desist notice as well as a Validation of Debt notice on XX/XX/22, and returned them both to me. This alleged debt is disputed for fraud and Bridgecrest has not ceased to collect the debt. Bridgecrest refuses to provide any actual accounting or prove the alleged debt is valid and not fraud. \nBridgecrest refuses to recognize my legal right to exercise the administrative process. \n\nI will be taking further legal action and forwarding my complaints with supporting documentation to the Attorney General.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6000120", "source": "cfpb", "group_id": "cfpb/690b959f1a4cccc5d119", "variant": "clean", "length_bucket": "medium", "chars": 1482, "company": "Bridgecrest Acceptance Corporation", "date_received": "2022-09-20", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "690b959f1a4cccc5d119e069dd3c4d47f91117c729cc498641b9edd15a6a606c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Account : XXXX Account Type : Revolving account Bureau Code : Individual account Account Status : Open Monthly Payment : {$310.00} Date Opened : XX/XX/XXXX Balance : {$9400.00} No. of Months ( terms ) : Revolving | Monthly ( due every month ) High Credit : {$10000.00} XXXX XXXX : {$10000.00} Past Due : - Payment Status : Paid or paying as agreed | Current, was past due 30 days two times Last Reported : XX/XX/XXXX | XX/XX/XXXX Date Last Active : XX/XX/XXXX | XX/XX/XXXX Date of Last Payment : - The account referenced above has multiple inaccuracies and inconsistencies between the three credit bureaus however the most notable of these would be in regards to the payment history that lists two 30 day late payments for XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX. I have contacted Regions directly about this and on both occasions they suggested that although there were inaccuracies that I would have to dispute them directly with the credit bureaus and that they had no way of changing the information on their respective ends. This is know is false. According to 15 USC Ch. 41 1666 ( b ) Billing error For the purpose of this section, a \" billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.\n\n( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.\n\n( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.\n\n( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.\n\n( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.\n\n( 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.\n\n( 7 ) Any other error described in regulations of the Bureau.\n\nFurther according to 15 USC Ch. 41 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.\n\n( 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.\n\n( 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.\n\nThe reporting of both 30 day late payments are in direct violation to the laws mentioned further according to 15 USC Ch. 41 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.\n\nLastly According to 15 USC Ch. 41 1681i ( 6 ) ( b ) and 15 USC Ch. 41 1681i ( 6 ) ( c ) : ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than XXXX XXXX words if it provides the consumer with assistance in writing a clear summary of the dispute. \n\n( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof. \n\nNeither of which appear on Transunion or XXXX reports.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6481713", "source": "cfpb", "group_id": "cfpb/dcac2274619c78f1ebf6", "variant": "clean", "length_bucket": "long", "chars": 5474, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-01-24", "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": "dcac2274619c78f1ebf6afcfd8a984d6da41aa478c08c6b921d35e718413f8e4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "he texted me on XXXX a XXXX merchant platform and asked to buy XXXX worth {$500.00} which I did sell to him I then told him to send the money through PayPal which was the medium of exchange for the transaction which he did this was on the XXXX of XX/XX/2023 by XXXX I got the money few days after the transaction I got an email from PayPal saying the transaction was tagged as an unauthorized transaction and has been refunded. back to the buyer there was no investigation or nothing", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7271823", "source": "cfpb", "group_id": "cfpb/35ef1203869d7037570b", "variant": "clean", "length_bucket": "short", "chars": 483, "company": "Paypal Holdings, Inc", "date_received": "2023-07-19", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "35ef1203869d7037570bcc626c58b59a6f382d60124624eb492de7b9feba104c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Someone used my Home Depot credit card which is underwritten by citibank. They went into the store without the card and charged a {$3300.00} refrigerator. I have disputed this charge multiple times and customer service refuses to return it. They are referring me back to the store, and the store is referring me back to citibank. They are now attempting to sue me for a purchase that I never made. Someone has been using my name for years for the purposes of identity theft fraud. Please see attached FTC affidavit!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4103669", "source": "cfpb", "group_id": "cfpb/1c0dbf14f232d426de04", "variant": "clean", "length_bucket": "short", "chars": 515, "company": "CITIBANK, N.A.", "date_received": "2021-01-29", "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": "1c0dbf14f232d426de046717922b602cc151feeca91bb96c2f370cd18337e0a1", "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 letter was sent requesting amount stated that was owed as well as assurance that payment would be accepted in exchange for the original instrument of indebtness in its original form. \n\nXX/XX/XXXX received letter from American Education Services/ XXXX also dated for same date with a \" payoff amount '', after receiving letter then sent a letter readdressing request for acceptance of full payment in exchange for original instrument of indebtness in its original form XX/XX/XXXX letter was dated by American Education Services/ XXXX with loan amounts, dispursement dates, statuses, interest amounts, delinquency days, also ignoring request for original instrument of indebtness in its original form XX/XX/XXXX sent letter to XXXX stating if they were unable to comply matters are legally and financially settled XX/XX/XXXX American Education Services/ XXXX sent a MPN for Bank of America/ XXXX with the date of XX/XX/XXXX and a typed name on the signature line, on the front of one page with the back dated for XX/XX/XXXX for XXXX XXXX, the following pages have no dates, signatures, account numbers or page numbers XX/XX/XXXX a final letter was sent to American Education Services/ XXXX asking for an original letter of indebtness between the parties listed on the credit report. \n\nXX/XX/XXXX letter was dated from American Education Services/XXXX with loan disbursement dates, amounts, interest rates, repayment terms, and installment amounts also ignoring the request made in the four letters", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3045318", "source": "cfpb", "group_id": "cfpb/05324b6d95489b71fe09", "variant": "clean", "length_bucket": "medium", "chars": 1508, "company": "AES/PHEAA", "date_received": "2018-10-14", "product_raw": "Student loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "05324b6d95489b71fe09a06eb7192ad3a923cd56a2f4bd86aa4027b6847ac2fa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "THIS COMPLAINT IS NUMBER XXXX ABOUT THE SAME ISSUE. WELLS FARGO IS REFUSING TO USE MY MAILING ADDRESS AND THEY ARE ADDRESSING THEIR MAILS TO MY RESIDENTIAL ADDRESS WHICH I COMPLAINT ABOUT MORE THAN XXXX TIMES IN THE LAST 3 YEARS. \nWELLS FARGO ARE STILL DENYING ME MY PRIVACY RIGHTS AND MY CIVIL RIGHTS AND THEY ARE NOW DENYING ME THE RIGHT TO SPRAK TO A MANAGER REGARDING THIS ISSUE THAT I COMPLAINT ABOUT MORE THAN XXXX TIMES AND TILL NOT WELLS FARGO ARE STILL REFUSING TO PROVIDE A SOLUTION. \nXXXX XXXX IS THE LAST EMPLOYEE WHO IS WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION AND NOT UNDER ANY MANAGEMENT AND LABELED XXXX RESPONDED TO MY COMPLAINT BY THIS STATEMENT ( .We have determined we previously addressed your concerns ) they never address my case properly and never provided a solution AND THIS XXXX XXXX NEVER EVEN READ MY COMPLAINT, THEIR ANSWER WAS A COPY AND PASTE STANDARD ANSWER. WAS THE RESPONSE OF XXXX XXXX, A SOLUTION FOR MY ISSUE?. \nI REQUESTED A REAL WELLS FARGO MANAGER TO DEAL WITH MY ISSUE BUT THIS XXXX XXXX STATED IN THE RESPONSE : ( We respectfully decline your request to email you to set up an appointment to talk to you by phone. We do not arrange appointments by email. ) FROM XXXX XXXX STATEMENT I UNDERSTAND THAS WELLS FARGO MANAGERS DO NOT USE EMAILS.WELLS FARGO IS THE ONLY BANK THAT DO NOT USE ELECTRONIC COMMUNICATIONS AND EMAILS. \nI SURE WILL NOT TALK TO AN XXXX MANAGER BECAUSE I AM SURE THEY LIE MORE THEN THE XXXX. EVERYTHING MUST BE IN WRITING AS I CAN CLEARLY SHOW YOUR LIES. \nHERE IS MY COMPLAINT # XXXX AGAIN : COMPLAINT NUMBER XXXX ABOUT THE SAME ISSUE THAT NEVER RESOLVED. TILL NOW AND AFTER XXXX COMPLAINTS, WELLS FARGO IS STILL DENYING ME MY PRIVACY RIGHTS AND MY CIVIL RIGHTS. THE EVIDENCE IS ATTACHED. WHAT A XXXX  WELLS FARGO CAN BE, EVEN AFTER XXXX COMPLAINTS ABOUT THE SAME ISSUE WELLS FARGO IS STILL REFUSING TO USE MY MAILING ADDRESS AND DENYING MY PRIVACY RIGHTS AND MY CIVIL RIGHTS AND THIS LAST LETTER IS AN EVIDENCE. I attached the answer of the contractor XXXX XXXX who is working from the comfort of their home without any supervision and not under the management of Wells Fargo. This XXXX  mailed the Wells FARGO LETTER TO MY RESIDENT. ( LOOK AT THE ADDRESS ON THE LETTER ) Read it and tell me if the contractor XXXX XXXX who is labeled XXXX provided a solution in their answer before they closed my case has it has never been solved in 3 years and XXXX complaints. This response and XXXX XXXX response are similar to the rest of so called XXXX their response are a copy and paste of a joke by a XXXX labeled ECMO Who said I did not provide new information. how XXXX could that be if after XXXX complaints you did not provide a solution and you are asking for new evidence! What about the tons of letters that you have mailed to my resident AND YOur LETTER THAT YOU JUST MAILED TO MY RESIDENT is not enough for Wells Fargo to take this issue seriously and hired someone who can find a solution instead of those who are labeled XXXX who never provided a solution for any of the XXXX complaints? Do you think you solve my issue by your shallow response?. The response is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The severity of my issue deserve a response by a real Wells Fargo manager not by a XXXX  labeled XXXX DO NOT TELL ME WELLS FARGO HAS NO MANAGERS. I AM REQUESTING FOR THE XXXX THAT THIS COMPLAINT TO BE FORWARDED TOP A REAL WELLS FARGO MANAGER AND NOT THOSE LABELED XXXX WHO FROM MY EXPERIENCE DO NOT TELL THE TRUTH. A MANAGER CAN CONTACT ME BY EMAIL TO SET AN APPOINTMENT FOR A PHONE CONVERSATION. IF YOU ARE PROFESSIONALS, YOU CAN NOT CALL THE CUSTOMERS ON YOUR OWN CONVINENCE AND DISREGARD THE CONVENIENCE OF THE CUSTOMERS I need a solution. This complaint is number XXXX about the same issue and I will keep complaining till a real Wells Fargo manager provide a solution to this issue. The previous complaint # XXXX AND # XXXX was answered by a typical XXXX called XXXX XXXX WHO DID NOT PROVIDE A SOLUTION in their answer, this XXXX IS BLAMNING THE FEDERAL GOVERNMENT AND THE USA PATRIOT ACT FOR THE INABILITY OF WELLS FARGO TO FOLLOW MY ACCOUNT MAILING PREFERENCE AND FOR THE INABILITY OF WELLS FARGO TO USE MY MAILING ADDRESS INSTEAD OF MY RESIDENTIAL ADDRESS THAT I DO NOT WANT WELLS FARGO TO MAIL TO IT. I PROVIDED MY RESIDENTIAL ADDRESS TO COMPLY WITH THE FEDERAL LAW AND NOT TO BE USED BY WELLS FARGO. BUT WELLS FARGO THINK THEY ARE ABOVE THE LAWS AND THEY THINK THE RESIDENTIAL ADDRESS OF THE CUSTOMERS ARE FOR WELLS FARGO TO USE AS A MAILING ADDRESS WHAT EVER THEY LIKE AND AT THEIR CONVINIENCE. WELLS FARGO COULD AVOID THIS BY SAVINGTHE RESIDENTIAL ADDRESS SOME WHERE ELSE OR THEY CAN POST A NOTE NEXT TO THE RESIDENTIAL ADDRESS THAT THIS ADDRESS IS NOT A MAILING ADDRESS DO NOT USE THIS ADDRESS FOR MAIL AND NOT POST THE RESIDENTIAL PRIVATE ADDRESS WHERE EVERY DEPARTMENT CAN USE THIS THE RIDENTIAL ADDRESS INSTEAD OF THE MAILING ADDRESS. The answer of XXXX XXXX XXXX XXXX, and the rest of the XXXX are NULL it is not worth the paper that was printed on. But that also a typical for the XXXXXXXX who all customers are complaining about. I would like to ask Wells Fargo Where is the solution for my issue in the response of XXXX XXXX? The answer of XXXX XXXX was a typical answer for who are labeled XXXX a typical for those XXXX who are working from the comfort of their homes without any supervision and NOT under a management of Wells Fargo XXXX XXXX is blaming the GOVERNMENT for the refusal of Wells Fargo to use my Mailing address and for the refusal of Wells Fargo to obey the laws and regulations and my privacy rights and my civil rights. I would like to ask Wells Fargo, WHERE IS THE SOLUTION FOR MY ISSUE IN YOUR RESPONSE? This complaint is number XXXX about the same issue and I will keep complaining till a real Wells Fargo manager provide a solution to this issue. The previous complaintwas answered by a typical XXXX called XXXX XXXX WHO DID NOT PROVIDE A SOLUTION in their answer, this XXXX IS BLAMNING THE FEDERAL GOVERNMENT AND THE USA PATRIOT ACT FOR THE INABILITY OF WELLS FARGO TO FOLLOW MY ACCOUNT MAILING PREFERENCE AND FOR THE INABILITY OF WELLS FARGO TO USE MY MAILING ADDRESS INSTEAD OF MY RESIDENTIAL ADDRESS THAT I DO NOT WANT WELLS FARGO TO MAIL TO IT. I PROVIDED MY RESIDENTIAL ADDRESS TO COMPLY WITH THE FEDERAL LAW AND NOT TO BE USED BY WELLS FARGO. BUT WELLS FARGO THINK THEY ARE ABOVE THE LAWS AND THEY THINK THE RESIDENTIAL ADDRESS OF THE CUSTOMERS ARE FOR WELLS FARGO TO USE AS A MAILING ADDRESS WHAT EVER THEY LIKE AND AT THEIR CONVENIENCE. WELLS FARGO COULD AVOID THIS BY SAVINGTHE RESIDENTIAL ADDRESS SOMEWHERE ELSE OR THEY CAN POST A NOTE NEXT TO THE RESIDENTIAL ADDRESS THAT THIS ADDRESS IS NOT A MAILING ADDRESS DO NOT USE THIS ADDRESS FOR MAIL AND NOT POST THE RESIDENTIAL PRIVATE ADDRESS WHERE EVERY DEPARTMENT CAN USE THIS THE RESIDENTIAL ADDRESS INSTEAD OF THE MAILING ADDRESS. THE ANSWER OF XXXX XXXX and XXXX XXXX are typical answers for who are labeled XXXXs a typical for those XXXX  who are working from the comfort of their homes without any supervision and NOT under a management of Wells Fargo. XXXX XXXX and XXXX XXXX Has no answer of her own and has no supervisor to go over their answer and XXXX XXXX is blaming the GOVERNMENT for the refusal of Wells Fargo to use my Mailing address and for the refusal of Wells Fargo to follow my account mailing address preference. \nWells Fargo Are paying to ignorant to answer the customers complaints by copies and pates and they close the cases without any resolution, all are the same, Wells Fargo HAS NO ONE TO FIND SOLUTIONS FOR THE CUSTOMER 'S ISSUES. \nthe answer of XXXX XXXX is an example on how Those XXXX can not provide a solution. \nthis XXXX lie in the response when they stated that We have also determined previous responses have been sent to email and mailing address on file. because my mailing address on file is my XXXX XXXX Wells fargo sent the last mail to my residential address THE ADDRESS ON THE ATTACHED LETTER IS THE PROOF. and this attached letter proves that XXXX XXXX IS NOT TELLING THE TRUTH. \nTHE XXXXs are liars, this is why I do not accept phone calls I like everyone to read the lies and compare it to the evidence of their lies that I provided. \nWells Fargo bank hired liars To serve the 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": "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/7860040", "source": "cfpb", "group_id": "cfpb/0c0eb556f6e804391b13", "variant": "clean", "length_bucket": "long", "chars": 8335, "company": "WELLS FARGO & COMPANY", "date_received": "2023-11-16", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "0c0eb556f6e804391b13e11ca9dbc5887b3ba7b13dba96037f70e109472c1766", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have an HSA account with Optum Bank. It has a cash portion and an investment portion with Betterment. On XX/XX/ I initiated the transfer of my investment with XXXX  to my Optum HSA account. The transfer was initiated XXXX XXXX XXXXXX/XX/XXXX. Since then, my HSA account is still showing two separate accounts : cash and investment. Checked with XXXX, their answer was the transfer was done from their side. XXXX XXXX XXXX my account was updated and the investment portion disappeared XXXX XXXX XXXX. Called Optum without success. Provided account snapshots as of XX/XX/ and statements showing both accounts with right amounts. Optum is not responsive. I have reference numbers and emails showing my interaction with them. I did not receive explanation about the missing 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": "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/7944383", "source": "cfpb", "group_id": "cfpb/5cb3dcc979e20df6d34e", "variant": "clean", "length_bucket": "short", "chars": 778, "company": "OPTUM BANK, INC.", "date_received": "2023-12-05", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "5cb3dcc979e20df6d34e3f6f5b41af564ef1b58fd0c97fc95d296ca0b8bcef18", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chase has many cards ( 9! ) that have Ultimate Reward points. The Freedom Unlimited card, the regular Freedom card, the Sapphire card, the Sapphire Preferred card, the Sapphire Reserve card, the Ink Unlimited card, the Ink cash card, the Ink Preferred card and the Ink Premier card ( which is a new card ). \nThe way it always worked was that all these points can be moved around to each other ( under the same household ). I had XXXX points on my Ink Premier and around the same amount on my Ink Unlimited card. Ultimately I wanted to use them to transfer to an airline of my choice. So to make it easier to track, I decided to combine them into 1 account. So on XXXX XXXX XXXX I moved my XXXX points from my Ink Unlimited to my Ink Premier.\n\nThen I realized to my horror that not only can't Ink Premier points be transferred to airlines, I can't even move it back to the card it came from! The Ink Premier card is a trap, it's the ONLY Ultimate rewards card that can receive, though can't send! So now I'm stuck with such a huge amount of points that I wanted to use to fly and instead just stuck with their lousy cash back option. \nVery very upsetting and very unfair that all other 8 Chase ultimate reward cards, points can be moved in and out, and the Ink Premier can only receive! If Chase wants the Ink Premier card to be a different product than all the other cards, then they shouldn't let points in as well.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6637757", "source": "cfpb", "group_id": "cfpb/81df894e288207f543ff", "variant": "clean", "length_bucket": "medium", "chars": 1416, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-03-03", "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": "81df894e288207f543ff2a8eeeaa0d4a7ecc4d3de5a5a4ecdbbdb2b89ab1e4c4", "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 you today to complain about my auto finance company ( Carmax Auto-Finance ) . From the beginning of the purchase, Carmax tried to manipulate me, the make and model of my vehicle YEAR is XXXXXXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX. On the day, XX/XX/XXXX, I signed a retail contract and also purchased gap insurance and extended warranty up to 125,000 miles or 5 years. We signed all the documents which they gave us. We read it carefully and signed them. And from the following month, I started making payments to the company. \n\nAfter 3 months, on XXXXXX/XX/XXXX to XXXX, I received a letter from store that i need to sign my retail installment contract again. They explain that we missed the sign of the Gap agreement in the retail contract. They write to me that they needed complete signature of this financing contract. Otherwise, they can stop the funding of my current loan and it will be cancelled. But the fact is that it was already been funded, and I have also made payments. Then I contacted Carmax customer service, and they found out that we did sign the gap insurance in retail installment contract. They are also confused as why the store would want to re-sign this one. At the time the store also tried to bribe us if we sign this contract again then they will refund 2 tanks of fuel. They keep calling us, and then I talk to the Carmax agent online, and he shares the retail contract with me. At the time of the vehicle purchase and it was signed signed by us.we were confused so much why they need sign and why they are lying whith us After a few months, I discovered that the car had different tires than it should have had. I contact Carmax and after all the discussions of two to three hours they decided to change my tires. They know its their fault at the time of purchase they told me that tire 's are new in a second month i had to change my tire. and also when I bought the vehicle, they didn't tell us that the car must have a run flat tire, ( for new or pre-owned vehicle bmw 5 series ) it comes with it, but the tires fitted were normal tires. \n\nFrom then on, we thought about it and we didn't re-sign the contract after all this situation. We decided to join the other finance company. We refinanced our car with XXXX  on the date XX/XX/XXXX and they paid of carmax and became our new lien holder. Now XXXX sent us a letter saying they needed a title from the car but Carmax didn't send them a title. They should have sent to XXXX because they paid off my car loan. After few months my car went to the pothole and my insurance company said it was totaled, now XXXX ( my insurance company ) wants an auto title, Now my insurance company wants to pay XXXX  to release the title. But now we need a title of the car after contacting Carmax Auto-Finance . They told me the new lien holder is XXXX XXXX XXXX  . Well, we didn't make a deal with XXXX XXXX XXXX . We have not signed any documents with them, so how can Carmax release my lien to XXXX XXXX without my permission. How can they share my personal information with the XXXX? It is illegal to share them. I do not know the history of the car, which I also want to know because they lied to us too much. I want to know whether the car had a accident or not. I would also like legal action with the store if they try to cheat other customers on a Carmax auto loan. From XX/XX/XXXX, to XX/XX/XXXX, is the worst time I had with the Carmax. I was hit so hard both mentally and financially. Because of these situations, I often have to go to the store. I didn't concentrate in my personal or professional life just because of this fraudulent company. \n\nWhen I called them they told me they don't know how the XXXX  in this title. They easily told me they will take a letter from XXXX XXXX XXXX XXXX of not interest in car and easily get out of this situation. Now I am calling every single day in carmax title department and somebody picked up the call listen situation and says he/she will find out what's going on and call me back, but they never call me back. And also I am attached the letter they sent on XX/XX/XXXX when they tried to resign the retail installment contract. \nNow XXXX  wants as a 1st lien holder as a carmax auto finance. For that XXXX XXXX XXXX has to transfer lien to carmax auto finance .then carmax will transfer lien to XXXX XXXX XXXX .then XXXX  will transfer the lien to XXXX insurance XXXX This process takes at months now i don't have car. my insurance will give me only 1 month of rental car after that i have to pay for car rental .and also i have to pay my auto loan to XXXX  until they get a title of the car, and then they transfer to XXXX and XXXX will release payment. \ncarmax have to provide title under name of XXXX  so we can move forward with this process and release my car payment from my insurance company XXXX made payments after my vehicle totalled .its a breach of contract they have to provide right title to me as per retail installment contract. \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": "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/6228878", "source": "cfpb", "group_id": "cfpb/618245b7a3d28896d9d6", "variant": "clean", "length_bucket": "long", "chars": 5018, "company": "CarMax, Inc.", "date_received": "2022-11-21", "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": "618245b7a3d28896d9d6c0f179cee32985653284ec7dcc5787007c4ef307d0a3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am unemployed for several months now. I have informed the company about my situation monthly. All they are were worry about is when I will make a payment. You are x days past due so when can you make a payment. I just told you I was unemployed and I send what I can. They did not offer no long term solution to help at all. \nI am having a financial hardship at this time but they do not have a program to help out. This is very disturbing to me. \nDuring the week of XX/XX/XXXX - XXXX, XXXX, the vehicle was repossessed. I was very upset about the situation. I called the lender and ask how much to get my vehicle and they told me {$3100.00}. I could not believe this to accumulate more fees to someone that is unemployed. I have had this loan since XXXX and been paying what is due. You should know something was wrong if the payments were not getting paid 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3077266", "source": "cfpb", "group_id": "cfpb/6b8b256b87068d7abf1c", "variant": "clean", "length_bucket": "short", "chars": 878, "company": "American Credit Acceptance, LLC", "date_received": "2018-11-17", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "6b8b256b87068d7abf1c345277ad41f1c67d87695d56a865e9599e172d9b1e68", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems  XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. \n\nXX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. \n\nXX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. \n\nXX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. \n\nSo it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD 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": "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/3634372", "source": "cfpb", "group_id": "cfpb/06f3e14318efe30bb094", "variant": "clean", "length_bucket": "medium", "chars": 1930, "company": "CL Holdings LLC", "date_received": "2020-05-03", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "06f3e14318efe30bb09452c49fdfad3e3d274b11e1ecd5d32190e098d7db4637", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been continuously denied for services started in XX/XX/XXXX that are supposed to be meant for me to receive. I have contacted multiple representatives, agents and supervisors at this company through email, mail and voice. Ive filed complaints with XXXX and XXXX which resulted in me receiving a denial letter. Ive contacted the trustee ( XXXX XXXX XXXX XXXX XXXX ) and treasurer ( XXXX XXXX ) of this company and have not gotten any remedy regarding my accounts. I know that using the SSN assigned to me at birth doesnt belong to me according to the guidelines, rules and procedures of the SSA act and that I have been turned into a transmitting utility ( Privacy Act of 1974 ). I know that ALL debts public and private belong to the United States according to Title 18 sec 8. I now know that all these years I have been paying a debt with debt notes and have tried to properly pay with the bonds attached to the remittance slip and have been denied. I have filed billing errors with XXXX XXXX, XXXX company and my services have been interrupted and is still currently off 15 USC 1666 ( a ). I have been hindered over these past few months because my life has been stopped with work, family, not being able to reach out or make important calls and missing important calls regarding court cases. XXXX XXXX, XXXX have not been following protocol according to their security agreement theyve filed with the Securities Exchange Commission XXXX XXXX. XXXX XXXX, XXXX have taken adverse action against me and shut off my services, closed my accounts, and denied me access to even view any statements needed to make proper payment 15 USC 1666 ( Pub. L. 90321, title I, 161 ). I know for a fact that XXXX XXXX, XXXX company have committed mail fraud over these eight years that Ive have services with them by sending statements via online portal and certified mail that are considered securities in which are supposed to be sent registered mail and have been soliciting a bill to me in which only the president of the United States can write bills that are put into effect. I know that according to the Securities Exchange quarterly and annual reports all debts are to be discharged and copies of the income that has been discharged should have been sent to me via registered mail so that could file them with my 1040 individual tax return. I have been threatened and violated in reporting my personal information to the credit agencies and have had multiple third party debt collectors come after me in pursuit of collecting debts owed 15 USC 1666 ( a ) ( Pub. L. 90321, title I, 162 ). I know that any account that has an outstanding balance in access of 1 $ and should be credited to my personal account 15 USC 1666 ( d ) ( Pub. L. 90321, title I, 165 ). I have previously sent in the statements to the proper departments for payment with the proper bonds and even attached the remittance portion which is supposed to be deposited into my personal account via electronic funds transfer, 22 CFR 22.3 and T- Mobile XXXX XXXX XXXX XXXX have kept the payment stub and remittance coupon. I know that due to my ignorance I was unaware. \n\nPlease help me get relief as I have been denied trying to properly get remedy. \nThe definition of an account 12 CFR 1002.2 means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.\n\nAdverse action means ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered; ( ii ) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor 's accounts ; or ( iii ) A refusal to increase the amount of credit available to an applicant who has made an application for an increase.\n\nConsumer credit means credit extended to a natural person primarily for personal, family, or household purposes.\n\n45 CFR 2554.4 A statement means any written representation, certification, affirmation, document, record, or accounting or bookkeeping entry made with respect to a claim or with respect to a contract, bid or proposal for a contract, grant, loan or other benefit from the Corporation. Also the Telephone Act Title 47 USC 227 says that I am entitled to everything in my demands upon written 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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6352802", "source": "cfpb", "group_id": "cfpb/3cf617d9f7b063ffdc63", "variant": "clean", "length_bucket": "long", "chars": 4488, "company": "Convergent Resources, Inc.", "date_received": "2022-12-22", "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": "3cf617d9f7b063ffdc63cdef9caba8e43e6020df0df6fb491b500041cccac00a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "As of late XX/XX/2018, the Advance Financial company, a payday lender headquartered in XXXX, Tennessee, was notified in writing of my revocation of the ACH for automatic debit withdrawals from my bank account. Over the period after which such notice was provided, three separate payments, amounting in total to {$250.00}, have been deducted from my account. I have contacted AF in order to request that these charges be reversed, yet no restitution has been provided as of this writing. Attempts to verify the receipt of and commitment to honor the ACH revocation with the AF legal department 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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2963696", "source": "cfpb", "group_id": "cfpb/6029e3ce84fefa946d64", "variant": "clean", "length_bucket": "short", "chars": 616, "company": "Harpeth Financial Services, LLC", "date_received": "2018-07-16", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't stop withdrawals from your bank account", "sub_issue_raw": "", "text_sha256": "6029e3ce84fefa946d6414202a7fc0b67a454d72dfc412e9cf43064a875c8934", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "They never get back with me. They never answered my calls and I am doing this over and over. Im running into the wall so Im a try again and Im gon na have a fresh start and try to get this off my report once and fall because its not 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"}}, "_meta": {"id": "cfpb/8846765", "source": "cfpb", "group_id": "cfpb/a3e073a7f2bf5bf25df7", "variant": "clean", "length_bucket": "short", "chars": 242, "company": "CITIBANK, N.A.", "date_received": "2024-04-25", "product_raw": "Student loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Personal information incorrect", "text_sha256": "a3e073a7f2bf5bf25df74647c694015ace5d8a65aef08924dbba56207e8bc3c5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is an old issue. I made an international transaction of {$1000.00} on XX/XX/22 with Worldremit. I also made another one with them on XX/XX/22 of another {$1000.00} to the same person. I spoke with this company about what really happened. Their responses were very unsatisfying that's why I sought to contact CPBF. I figured out that they actually didn't want to refund me so different responses were to put me off and forget about my inquiries. They kept telling me, we've closed your case but I insisted by calling and asking to get my money back. This case is supposed to be over but they made things too difficult plus confusing everything since I started claiming my refund. I didn't want to make them look bad but they caused this lengthy time to happen. Please help me get my other {$1000.00} back from this people since they refunded me half. 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"}}, "_meta": {"id": "cfpb/5859624", "source": "cfpb", "group_id": "cfpb/cc9243e5f1ce58568dbe", "variant": "clean", "length_bucket": "short", "chars": 864, "company": "WorldRemit Corp.", "date_received": "2022-08-10", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "cc9243e5f1ce58568dbe1b951c9dfb867c9c8119a9325bd4994441fd94c727dd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I submitted a Consolidation Form to the USDOE and received the email below. My response is at the bottom. Why is Sallie Mae involved? \n\nXXXX XXXX To : XXXX \" Fri, XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX XXXX Thank you for your interest in the Direct Consolidation Loan Program . We received your application ; unfortunately, were unable to complete your request because of one or more of the following reasons : Your references address is missing. Please provide street address for XXXX XXXX. \nWe will need : Complete street address City, State, Zip In order for us to complete processing your application, please call us at XXXX within 3 days so we can obtain any missing information. If we do not hear from you, your application may be canceled. Were here to help you Monday Friday XXXX XXXX XXXX XXXX XXXX ET. \nWe appreciate the opportunity to serve you. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX I am looking to consolidate my Perkins loan with loans made the through the Federal Student Aid via the Department of Education. \nYou appear to be Sallie Mae, a private agency. How did you obtain my Consolidation Form? \nPlease advise. \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": "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/6676415", "source": "cfpb", "group_id": "cfpb/40239e3f86e1c1e56dd0", "variant": "clean", "length_bucket": "short", "chars": 1197, "company": "Maximus Federal Services, Inc.", "date_received": "2023-03-10", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "40239e3f86e1c1e56dd0ab3403619ea9ef9de9adc7b180312b063d3649856d4e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "AD ASTRA RECOVERY SERV ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IOWA XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear AD ASTRA RECOVERY SERV ( Original Creditor : XXXX XXXX XXXX  ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED. PLEASE KNOW THAT IF THIS MATTER IS NOT CORRECTED I WILL BE FORCED TO SEEK LEGAL REPRESENTATION. \n\n*** This is notice that your claim is disputed and denied.I refuse to pay you any monies, please return this account to the original creditor. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX ACCOUNT TYPE INCORRECT. ACCOUNT STATUS INCORRECT. PAYMENT HISTORY SHOULD BE REPORTING BLANK FILLED. NO DATE OF LAST PAYMENT REPORTING PLEASE DELETE The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following... \n\n1. Legal name and mailing address of debt collector.\n\n2. Name and address of original creditor to whom the alleged debt if owed to.\n\n3. Complete account number as it is in your file. No abbreviations of any kind.\n\n4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.\n\n5. Current amount of debt as of when the validation notice is provided.\n\n6. Information about my consumer debt collection rights including how to dispute the debt.\n\n7. Proof that I am indeed the correct consumer that this account belongs to.\n\n8. Proof that you are legally able to collect debt in my state.\n\n9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.\n\n10. Complete accounting records for alleged debt. -Your Purchase Agreement. \n\nPlease provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time. \n\nPlease be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud. \n\n\n\nYou are instructed to take no action that could be detrimental to any of my credit reports. \n\n\n\nThank you for your prompt attention to this matter.THIS IS MY THIRD AND FINAL REQUEST BEFORE SEEKING LEGAL ASSISTANCE. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXXWhat is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX \n\n2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6009531", "source": "cfpb", "group_id": "cfpb/787486b33470ba7023f4", "variant": "clean", "length_bucket": "long", "chars": 4142, "company": "CURO Intermediate Holdings", "date_received": "2022-09-22", "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": "787486b33470ba7023f42778b2b4e2df6ec7e9dbe4d2a8f02b9a7e5ac87a34ef", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "For more than 6 months, I have been attempting to obtain information from the mortgage servicer, Nationstar, to confirm whether all charges to the account are justified. I have received the same responses, over and over, without anyone ever actually taking the time to answer my very specific questions. I am attaching just their last letter to me, and my most current response. I have correspondence going back to XXXX of 2014, but the most recent letters will give you a flavor of what is happening. They refuse to justify legal expenses, inspections ( some of which are on the same day or just days apart ), alleged repairs to my property, and other items. They say that the information requested \" does not pertain directly to servicing of the loan, does not identify any specific servicing errors, and/or is considered proprietary and confidential. '' The entire process is intended to ascertain the actual amount due and the actual owner and holder of the note and mortgage so that I may initiate a short-sale. I will not initiate a short-sale until I know the amounts which will be demanded.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1402473", "source": "cfpb", "group_id": "cfpb/22008fc2a07df1e11a8a", "variant": "clean", "length_bucket": "short", "chars": 1098, "company": "NATIONSTAR MORTGAGE LLC", "date_received": "2015-06-02", "product_raw": "Mortgage", "issue_raw": "Loan modification,collection,foreclosure", "sub_issue_raw": "", "text_sha256": "22008fc2a07df1e11a8a03761d4687155e88adaf242391427217e8cdd9a112b2", "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 XXXX  XXXX XXXX purchased some household items from my wife and I. On the drive down from XXXX XXXX he lost his checks. He asked if we would accept Paypal. We agree and he added {$70.00} to the agreed upon {$2000.00} for the household goods. When my wife went to withdraw the funds XX/XX/XXXX she received an email from Paypal asking her if the goods had been shipped. She told Paypal the goods were picked up in person. Paypal then sent XXXX XXXX XXXX an email verifying this information. XXXX XXXX XXXX verified the information to be accurate. Paypal then informed my wife their would be a 4 day hold put on the funds. XX/XX/XXXX my wife tried to withdraw the by having a check mailed to her, to only receive a \" Link a Bank Account \" response. She then tried to link XXXX XXXX XXXX XXXX  and XXXX XXXX  accounts to Paypal. Neither institution responded to Paypal before the \" ping '' timed out. She tried multiple times and failed at each one. I contacted Paypal XX/XX/XXXX using their \" chat '' feature to fix the problem. I was given 3 different ways to fix the problem. None of them worked. I then sent an email to XXXX XXXX asking for his help. XXXX from the Executive Office tried to call me twice. I've sent him three email this week. I still can't get 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5840568", "source": "cfpb", "group_id": "cfpb/fe3f14836e087a07ec2b", "variant": "clean", "length_bucket": "medium", "chars": 1285, "company": "Paypal Holdings, Inc", "date_received": "2022-08-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "fe3f14836e087a07ec2b0cf01b137d09c9e56ca052ae577e0fd37a79a100d4da", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Loan went from XXXX XXXX to collection at Performant in XXXX. I setup a payment agreement with Performant in XXXX. They requested {$10.00} per month, to be deducted from my checking account. The agreement was that I would be taken out of collections to active status after 9 months of payments. I have now paid faithfully every month for 4 1/2 years and the account has still not been taken out of collections. I am a single mother of XXXX children and I would like to buy my first house. I can not do this because this account shows as in collections on my credit report. Performant claims that they can not accept a settlement because XXXX XXXX owns the loan. They also claim that XXXX XXXX does n't want it back and they do n't have another guarantor for the loan. Performant states this loan is still in collections because the \" rules changed '' in XXXX and I did not sign a new agreement with them. I never received notification or a request for a new agreement! They claim to have sent it by XXXX. I never received it. They have my email address, they have my mailing address. They send me a note every month that they have received my payment, but they ca n't find a way to notify me of this? Oh, and by the way, this loan which should not be in collections, has now accumulated an extra {$9000.00} in late fees. How can I have late fees when I have a 4 1/2 year perfect payment record?? 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": "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/1885693", "source": "cfpb", "group_id": "cfpb/a7a44ff2f908ed61a62c", "variant": "clean", "length_bucket": "medium", "chars": 1411, "company": "Performant Financial Corporation", "date_received": "2016-04-20", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Having problems with customer service", "text_sha256": "a7a44ff2f908ed61a62c12fe30b9a39cdca1956a952de5cfdc9b010695567eb6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Paid {$1000.00} in XX/XX/year>, paid {$570.00} with credit card in XX/XX/year> paid {$140.00} on XX/XX/year>, and paid {$570.00} on XX/XX/year> and a 30 day late was put on my credit report for {$140.00}. Supervisor from XXXX  said as a courtesy they will not charge me a late fee or penalize 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"}}, "_meta": {"id": "cfpb/8747297", "source": "cfpb", "group_id": "cfpb/90ca80ff887bb0887c40", "variant": "clean", "length_bucket": "short", "chars": 296, "company": "World Omni Financial Corp.", "date_received": "2024-04-11", "product_raw": "Vehicle loan or lease", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "90ca80ff887bb0887c405d76d7271f37fbb6975e015b39c4893ec4da4f834d99", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I filed a complaint about a company called CashApp, Square , Inc. Complaint number : XXXX. As a result of my complaint the company retaliated against me and blocked my account. But I still have money on deposit with them in a stock trading account. Because they blocked my account today, I lost a lot of money because I could not sell stock that was losing value. \n\nThe company simply ignored my original complaint. They claimed that they do not guarantee that a trade order will be canceled when requested. They also admitted that trade orders made after trading hours are executed when the market opens, but they do not mention anything about why they did not execute the order when the market opened. \nThe company now seems to be retaliating against me for filing my complaint, they have blocked my account so that I was not able to make any trades at all today and my account lost value again. You can see from the timestamp that the account was XXXX during the trading day. There were no reported issues with the site. Also, a friend logged on and confirmed that he had no 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3984294", "source": "cfpb", "group_id": "cfpb/bc0b4ed80091335002de", "variant": "clean", "length_bucket": "short", "chars": 1085, "company": "Block, Inc.", "date_received": "2020-12-01", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other service problem", "sub_issue_raw": "", "text_sha256": "bc0b4ed80091335002dedcb2847aadd41a351a22a70e550e30aecada17374a53", "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 signed a Home Improvement Loan Agreement/Promissory Note with Mosaic. The loan was approved on XX/XX/XXXX. I was advised by the Contractor who secured the loan, because homeowners are not allowed to deal directly with Mosaic, that the first payment would not be due for 3 months/90 days after the project was complete, which is the reason I went with Mosaic This was agreed upon prior to me signing the loan agreement. I signed the loan agreement on XX/XX/XXXX, which happened to be the same day the project was completed. I signed off on the project on XX/XX/XXXX. The Promissory Note states that my first payment would be due on XX/XX/XXXX. I received an email from Mosaic on XX/XX/XXXX, in which I was to confirm that the project was complete. I received a loan closing certificate and notice on XX/XX/XXXX that my first payment would be due on XX/XX/XXXX. All of the notifications from Mosaic up till this point were via email. I waited to see if another email correcting the due would arrive. It didn't. I called Mosaics loan servicer, XXXX XXXX XXXX, on XX/XX/XXXX to find out about the change in due dates and was given a case number and advised that someone would follow-up with me. I spoke to several people and sent in a copy of the promissory note. All of XXXX reps told me that my payment was due on XX/XX/XXXX because of additional terms and conditions which state \" Estimated monthly payment amounts and payment due dates are shown on the payment schedule included in the TILA Disclosure. We will disclose the exact payment amounts and due dates in monthly statements we send you. The first payment on the Loan is due on the earlier of ( i ) 90 days after we first disburse Loan proceeds to the Merchant; or ( ii ) 15 days after we receive confirmation that your Installation is completed, if applicable ''. I believed that since the payment due date and amount ( {$440.00} ) were on the promissory note that the statement was not applicable to my loan and the XXXX had assured me of the 90 day due date for payment. I called and/or emailed XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a payment of {$560.00} on XX/XX/XXXX ( the contractor gave a small discount after I called them and told them about the payment due date issue ). I made my first payment on XX/XX/XXXX based on the XXXX of the month statement they sent and the 15 day grace period for payment. My credit rating has gone from a XXXX range to a XXXX range. XXXXMosaic has charged me {$70.00} in late fees and their payment system has attempted to collect what they call the past due balance on two occasions ( XX/XX/XXXX in the amount of {$1400.00} and XX/XX/XXXX in the amount of {$1100.00} ). I had to submit a stop-payment with my financial institution on both payments and was charged a fee. I also was charged a check returned ( payment stopped ) fee by Mosaic for each in the amount of {$10.00} each. I get calls from XXXX weekly and have spoken to their representative on two of the occasions ( the last call XX/XX/XXXX ). I tell them to look at the file and why my loan is not delinquent. I have asked XXXX to allow me to speak with a Mosaic representative directly and their attorneys with no success. Everyone phone number to Mosaic goes to XXXX. I have a Solar Loan ( XXXX ) with Mosaic that I have never had an issue with. The contractor was up front and the loan process went smoothly. XXXX sent a letter dated XX/XX/XXXX, advising that \" I am delinquent under the Home Improvement Loan Agreement having the Effective Date of XX/XX/XXXX because I have failed to make payments under the Agreement. Please note that XXXX XXXX XXXX is acting as the loan servicer and debt collector for Mosaic concerning the above reference Home Improvement Loan. As set forth in the Agreement, Mosaic may declare me in default due to the delinquency. At that point, as stated in the Agreement, the Total Payoff Balance as of the date of default my be immediately due and payable ''. They ask me to call to discuss how to resolve my account. The rep just repeats what each rep I have spoken to says. They don't want to resolve, they want me to agree with them. They committed a \" bait and switch ''.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4996948", "source": "cfpb", "group_id": "cfpb/ff65099aebbf3f88e849", "variant": "clean", "length_bucket": "long", "chars": 4197, "company": "Solar Mosaic LLC", "date_received": "2021-12-11", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "ff65099aebbf3f88e8491617237630e9469cf6822d45a7482b153123a074355e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am on an IDR plan. I have tried several times to get Great Lakes who is servicing my loan to explain how they are charging me interest and explain why my balance keeps going up instead of down each month. They are charging me interest for the entire year up front on the loan. On top of that they are charging me per diem interest based on the year 's worth of interest and my \" new '' principal balance.   I have now figured out that what they are doing is charging me up front for the interest. They set aside that interest amount and all of the payments I make go towards that and only that interest. Nothing I pay extra goes towards the actual per diem interest accruing.     I figured out how much interest I should be charged on the per diem rate and paid over that amount for a month to see what happened. My total balance due and total interest due still went up. Each month they are charging me interest on top of interest.     To be clear - my current principal balance is {$77000.00} which would be an estimated $  XXXX  interest for the entire year. They are charging me the interest up front so that there is no way possible for me to pay it down or off. They have been doing this since I started the IDR and it 's just compiling the interest on top of interest. I had no idea. I 've contacted them several times to figure out why my total balance just keeps going up each month. They have tacked on thousands of dollars worth of interest I had no idea was accruing. And it goes up each month instead of any amount getting put towards the actual per diem rate.     Even at the {$77000.00} balance a per diem rate would be less than {$400.00} for the month. I have a spreadsheet that I use to figure out how much interest I should be charged, but since they have put the interest up front for me to pay I would have to pay over {$5000.00} in one month to get the interest for the year paid off and then they are still charging me interest on top of that amount.   I want my loans either serviced by someone honest or refinanced so that the actual amount I owe is put in place as well as any additional amounts I pay going towards the principal balance due. This is crazy. I am working an extra job to pay down my loans and they keep tacking on interest that I will never pay off.   At the rate they are charging me interest my loans will have a balance of over {$200000.00} within the next 10 years. The original loan amount was {$63000.00}.     Great Lakes is making it impossible for me to pay off my loans or even come close to getting them paid down. I do n't have an extra {$10000.00} to pay towards interest in  one  year. They are using the IDR as a way to make sure that they get all their interest and fees up front. For the month of  XXXX  and  XXXX  I paid over the interest per diem amount on my calculated interest per loan and nothing went to principal and they added additional interest to my principal amount due. They show my balance due now at well over {$83000.00}.", "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": "student_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2464369", "source": "cfpb", "group_id": "cfpb/49fc2a36e9b4c5ac6d5b", "variant": "clean", "length_bucket": "medium", "chars": 2998, "company": "GREAT LAKES", "date_received": "2017-04-24", "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": "49fc2a36e9b4c5ac6d5b5ec530e3985e984158833ddd31ec9070f17dbec637e6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi I am disputing a student loan account serviced by XXXX ( Account No. ending in XXXX ). After requesting verification of the debt, XXXX responded by sending a one-page document, which they referred to as a promissory note. This document is incomplete and lacks the essential loan terms, making it insufficient to verify the debt. On XX/XX/XXXX, I formally disputed the debt again, demanding lawful proof of the debt, including the original loan agreement and the terms under which it was issued. To date, XXXX has not responded to this request, in violation of 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ). This section requires a debt collector to cease collection efforts until the debt is verified. Furthermore, under Californias Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) ( California Civil Code 1788.17 ), a debt collector is similarly required to provide validation of the debt or cease collection activities, and failure to do so opens them to statutory penalties. \n\nGiven that XXXX has not provided lawful proof of the debt or responded to my repeated requests for verification, I have already filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ) under the California Student Loan Servicing Act ( CSLS Act ) ( California Financial Code 28100-28186 ). This law imposes strict record-keeping and disclosure requirements on loan servicers, including the obligation to maintain accurate records of student loans and provide borrowers with access to loan terms and agreements. XXXX 's failure to produce the complete loan agreement violates the CSLS Acts record-keeping requirements and transparency obligations. \n\nAdditionally, the recent discovery of a CUSIP number ( XXXX ) linked to my student loan account in the Allspring Government Securities Fund indicates that this loan has been securitized. Under UCC 9-210, as the debtor, I am entitled to request a full accounting of the secured transaction, including any records or statements that show the current status of the purported debt, a complete chain of title, and evidence of any perfection of the security interest. Failure to comply with this request for accounting violates UCC Article XXXX, which governs secured transactions. \n\nThe existence of the CUSIP number raises additional legal concerns. In the process of securitization, it is common for original promissory notes to be sold, transferred, or even destroyed. UCC 3-309 addresses the enforcement of lost, destroyed, or stolen instruments, requiring the party seeking to enforce the instrument to prove their entitlement to enforce it and provide sufficient evidence of the terms and ownership of the note. Without this documentation, XXXX has no lawful right to collect on this debt. \n\nFurther, the securitization of this loan alters the nature of the debt, as the underlying note may have been transferred to a trust or other investment vehicle. This is significant because UCC 9-203 ( b ) mandates that a secured party must have rights in the collateral ( in this case, the loan ) to enforce the security interest, and those rights must be perfected. Under UCC 9-308, perfection of a security interest occurs when all the steps required for perfection under the UCC are taken, such as filing a UCC-1 financing statement or continuation statement. XXXX and XXXX XXXX XXXX the original lender, must provide documentation of perfection and a valid servicing rights agreement to establish their right to collect the debt. If no such proof exists, the collection of this debt violates UCC Article 9. \n\nAdditionally, this loan transaction may be governed under TILA ( Truth in Lending Act, 15 U.S.C. 1601-1667 ), which requires accurate disclosure of the terms and conditions of the loan. XXXX 's failure to provide the original loan documentation, including the terms and conditions of the loan, may violate TILAs requirements. Without a clear chain of title or proof of perfection, XXXX and its affiliates may not have the legal right to service or collect on this debt. \n\nThe case law supports my position that XXXX must provide sufficient proof of the debt. In In re XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), the court ruled that without the original note, a party could not enforce the loan. This ruling emphasized the importance of maintaining original documentation when securitization occurs. Similarly, XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) held that the note and the mortgage must remain together. Without the original note, there can be no lawful enforcement of the mortgage or security interest. \n\nUnder UCC 9-210, I am requesting that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their affiliates provide the following : Full accounting and records of the debt, including a ledger and statement of the account. \nProof of the original promissory note and a clear chain of title showing any transfers or assignments of the note. \n\nProof of perfection of the security interest through UCC-1 filings and continuation statements, and evidence of the legal right to service and collect the debt. \nIf XXXX fails to provide this documentation within five business days, I will be left with no choice but to pursue legal action, including a federal lawsuit seeking damages for predatory lending practices, violations of federal and state debt collection laws, and misreporting to credit agencies. The continued reporting of this unverifiable debt has damaged my credit profile, preventing me from securing expansion funding for my business and purchasing a home for my family. \n\nThis complaint is intended to give the Consumer Financial Protection Bureau ( CFPB ) the necessary information to compel XXXX to either provide the legally required documentation or cease all collection activities and correct the inaccurate reporting on 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": "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/10418022", "source": "cfpb", "group_id": "cfpb/6fb1825e7906128db5d3", "variant": "clean", "length_bucket": "long", "chars": 5860, "company": "BRAZOS HIGHER EDUCATION AUTHORITY, INC.", "date_received": "2024-10-11", "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": "6fb1825e7906128db5d3d2f896a9703bfc6736f60db17b3208e12c8d33849dfd", "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 customer of PayPal ( PP ) for YEARS and have provided them a copy of my : 1 ) Drivers license 2 ) Linked my PP to an American bank ( XXXX XXXX ) 3 ) Linked my XXXX XXXX XXXX credit card And now PP is asking me to give them a bank statement to provide my identity. \n\nHow is this acceptable? \n\nI can go in to any bank and open an account with a government issued ID or If I get pulled over by a police man/woman - they would accept my government ID. \n\nI want to close my PP account and never transact with them 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": "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/4245008", "source": "cfpb", "group_id": "cfpb/0b9d73a217856af8ac9c", "variant": "clean", "length_bucket": "short", "chars": 529, "company": "Paypal Holdings, Inc", "date_received": "2021-03-25", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "0b9d73a217856af8ac9c4f3dfb37873a35769b0d64fb6e29749a626b0625a1c0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "During the first shut down I kept getting letters from the mtg company that I was in covid relief. I kept my emails that told them NO I AM NOT because I am paying, and on time, I didn't need it. Then Covid shut down the world. I couldn't work my second job which I rely on. So several months later I called them back and said, can I get one month of assistance please, I am going to need it after all. They said we can give you 3. I was able to make payments immediately and notified them to take me off of forbearance / deferment. Then in XXXX of XXXX they send a man to my office at work with a stack of papers to sign, like 8 font. They said this is your refinance paperwork so we can roll the 3 months back into your loan. Your payments will go up. I said that's fine. I then had one month of a higher payment, and my payments went back to normal, I thought it was odd but didn't question it at the time. Now I moved to Florida and am selling the house. The title company said \" What is this {$5200.00} 2nd mtg? '' I said what are you talking about. She shows me. I call Shellpoint! They said oh that was our program at the time, you should have read your paperwork, we filed a partial FHA claim and put a lien on your house for that amount. WHAAATTTT? First, why am I just now told of this. I KNOW there was NO mention of this at all, ever. I was told it would be rolled in and then my final payment date would change. I asked Shellpoint for copies of the transcripts of communication and a copy of what I signed. My house closes in 3 weeks. What do I do? I called a local lawyer here, she said it was loan modification fraud - that they filed wrong and that I would need a Texas Lawyer. I call one, they agreed and said {$2500.00} please. I'm a teacher, I don't have that kind of money. Help. please. And while I was getting the paperwork together for this complaint I found out they did not apply my payments to my loan!!!! omg!!! Now what do I do???? I am printing, documenting, comparing. It's nuts. They didn't apply my payments. Then XX/XX/XXXX is showing my payment and some other payment in payment history, but the statement doesn't reflect that and I have no idea what that other payment is. What do I do? I called them and they won't help. When I go to their site all messages have been deleted. My statements are no longer able to download. I am taking pictures. look on XXXX statement, I made a payment XX/XX/XXXX ... .statement doesn't show that. I actually sent it on XXXX, but they didn't apply until XXXX. That is my one and only \" late '' payment the whole 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"}}, "_meta": {"id": "cfpb/5036779", "source": "cfpb", "group_id": "cfpb/80d9969b51b556781144", "variant": "clean", "length_bucket": "medium", "chars": 2585, "company": "Shellpoint Partners, LLC", "date_received": "2021-12-23", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "80d9969b51b556781144be81587c80b32913760d59663a5f8d7d27190d01df1d", "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 update/correct my personal information on file with your company. \n\nPlease update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. \n\nBelow are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/6703762", "source": "cfpb", "group_id": "cfpb/58f9034bdd416698c4cc", "variant": "clean", "length_bucket": "short", "chars": 650, "company": "EQUIFAX, INC.", "date_received": "2023-03-16", "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": "58f9034bdd416698c4cc9ce86dcb6585a75b93db824e048a641b53b6a353f3f7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from 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": "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/2766278", "source": "cfpb", "group_id": "cfpb/3af79f218afc288fc959", "variant": "clean", "length_bucket": "short", "chars": 830, "company": "Ditech Financial LLC", "date_received": "2017-12-29", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "3af79f218afc288fc959f45d1b0fe0850dca4eb27c5f1387885736ed17aa7ab6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have three ( 3 ) late payment for the months of XX/XX/2019, XX/XX/2019, XX/XX/2019 My mortgage bank notified me of being in breach of contract and I had until XX/XX/XXXX to remedy the breach. \n\nMortgage payments are $ XXXX month All late payments were paid on the following dates : XX/XX/2019 in the amount of $ XXXX by check XX/XX/2019 in the amount of $ XXXX over the phone XX/XX/2019 for the amount of $ XXXX over the phone The Bank has notified me that there was no payment posted or made on XX/XX/2019 for the amount of {$700.00}. \n\nHowever, my personal bank and checking account statements show a mortgage payment by phone was made and charged by the mortgage bank. \n\nThe mortgage bank requested my bank statements to be faxed to their office to help open an investigation into the missing mortgage payment. \n\nUpon notifying the bank of my faxes sent and sending the bank statements to two different fax telephone lines, a bank rep mentioned they never received the fax statements, yet the fax machines I used for both lines confirmed the statements were sent successfully. \n\nI contacted the mortgage bank to discuss another discrepancy that occurred on the same date as the \" lost payment '' ( XX/XX/XXXX ). Immediately after making my payment and changing my contact information, I received -- by email and by direct mail -- a confirmation letter addressed to a different person altogether! \n\nSome man and name I do not recognize. \n\nIt is now XX/XX/XXXX as of writing this complaint, I called the bank to discuss my faxed paperwork and the discrepancy for the unrecognized name. The rep who answered was instructed by management to tell me they were too busy and too understaffed to handle my call and would call me back on my cell phone at a later 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/3390574", "source": "cfpb", "group_id": "cfpb/08d1b2aa3f5ff1a29386", "variant": "clean", "length_bucket": "medium", "chars": 1764, "company": "FIFTH THIRD FINANCIAL CORPORATION", "date_received": "2019-09-30", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "08d1b2aa3f5ff1a2938633a802e83767468811f73958cb96c7f9c4bb7a6e20d7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Original loan was from 2004. I got a loan from XXXX for around XXXX an some change. The total payments was around XXXX over 15 years, for XXXX loan. So fast forward 15 years, actually 16 years and 11 months. According to One Main, the third company to own my note since 2004, tells me that I missed 14 payments, which is XXXX in payments, but have been paying on this account for an extra 23 months, which is XXXX. So I really don't understand the math system they are using, but I believe I overpaid XXXX. They are telling me I owe for Deferred Interest, which was never disclosed to me at anytime they was \" helping me '' when I was having a financial problems. One Main will not close the account, reporting negative credit on my credit report. Now I have recently proved how they process payments, in which makes cense why I showing 14 payments pastdue. I made two payments in XXXX, for XXXX and XXXX. Two different transactions. Shows on my credit 30 day pastdue in XXXX and no payment made for XXXX. After this, I refuse to make any more payments on this leech account. My contract was XXXX, not One Main.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4801005", "source": "cfpb", "group_id": "cfpb/9e5b1b53140b17c83ed9", "variant": "clean", "length_bucket": "short", "chars": 1111, "company": "OneMain Finance Corporation", "date_received": "2021-10-11", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "9e5b1b53140b17c83ed96f8cbe71688e2728df486bab156d3a67e658d136a4b7", "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 at approx. XXXX XXXX  I received a text from a supposing Bank of America representative asking me if I attempted a {$3500.00} XXXX XXXX XXXX? \nReply YES or No # XXXX. I replied no and then received a call back from a supposingly B of A rep who then explained to me that my account was compromised and that we will need to transfer the money through XXXX to another account to keep the money from being transfered. He instructed me on how to make the transfer to ( XXXX ) XXXX and that B of A would then credit back your account later i the afternoon and that a B of A rep would call me back and let me know that the money was safely back in your checking and savings accounts. A total of {$1900.00} was transfered from my checking account and {$300.00} from my savings account. I called B of A at approx.XXXX XXXX  to tell them that I think I was scammed, they took a report and said that they will send me an email on the results of there investigation. I filed a report to the XXXX XXXX XXXX XXXX and also with the XXXX, FL police dept since the money was transferred to a phone number in that area. I received a letter from B of A on XX/XX/XXXX saying that they were unable to approve my claim.I", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6065562", "source": "cfpb", "group_id": "cfpb/72e1b9fb033ff9251578", "variant": "clean", "length_bucket": "medium", "chars": 1212, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2022-10-08", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "72e1b9fb033ff9251578e8004562d45e45f10034db6629c38d4a9db2de7eb06d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XX/XX/XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XX/XX/XXXX {$3400.00}, XXXX XXXX {$4900.00}, XXXX XXXX {$13000.00}, XX/XX/XXXX {$7400.00}, XXXX XXXX XXXX {$63000.00}, XX/XX/XXXX {$2800.00},XX/XX/XXXXXXXX {$2500.00}, XX/XX/XXXX {$3500.00}, XXXX XXXX {$1500.00}, XXXX {$1700.00}, XXXX XXXX {$790.00}, XXXX {$1700.00}, XXXX XXXX {$620.00}, XXXX {$1700.00}, XXXX {$1900.00}, XXXX XXXX {$110.00}", "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/10125063", "source": "cfpb", "group_id": "cfpb/f451a35541fc50ba6321", "variant": "clean", "length_bucket": "short", "chars": 873, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-09-14", "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": "f451a35541fc50ba63210e1639f70695e2345ed5f6e606dd4d2030015f1bf032", "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 a wire transfer of {$1400.00} was sent from my Chase Bank personal checking account to a third party at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The wire transfer was successfully delivered on XX/XX/2022. However, the recipient bank XXXX XXXXis Bank XXXX XXXX XXXX XXXX XXXX ) would not deposit the transaction because the money was sent by a third party and required the recipients name to be on the sending accounts bank statement. As a result on XX/XX/2022 I called Chase Bank to request a recall of the wire. I was then directed to send all requests related to wires online through secure messaging to a separate department. Therefore on XX/XX/2022 at XXXX XXXX I submitted a secure message within my Chase Bank personal checking account to recall the wire. I received an automated reply from Chase Bank that I would receive a response in 1 business day. No response was received from Chase Bank. On XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) returned {$1400.00} ( {$1400.00} - {$30.00} wire fee ) to my Chase personal checking account and provided a wire receipt with confirmation. On XX/XX/2022 at XXXX XXXX I received a canned message from the Chase Bank XXXX Retail Wire Servicing '' department acknowledging that my message was received and that I need to reply if I would like to move forward with my request. I quickly replied yes to the Retail Wire Servicing department to proceed with the Wire Recall. I then received another automated message acknowledging my secure message and letting me know that I should expect a response within 1 business day. On XX/XX/2022 at XXXXXXXX XXXX I received a response back from the Chase Retail Wire Servicing department with a case/reference number for the Wire Recall and to allow the financial institution 3-5 business days to respond to the request to recall the wire. On XX/XX/2022 I followed up as I did not receive a response from Chase Bank nor did I see the returned funds of {$1400.00} in my Chase personal checking account. I then received another automated message acknowledging my secure message and letting me know that I should expect a response within 1 business day. No response was received so I sent another new secure message on XX/XX/2022 with the case/reference number and wire receipt from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/2022 I received a message from the Chase Retail Wire Servicing department stating that We have acknowledged your request to recall the wire, however, we have determined that the wire has been reversed. The reason for reversal is as you requested recall. Please make note the funds are not yet reversed to your account hence we sent an email to the relevant team to provide the status on the reversal. Please check back for a possible update in 24-48 hours. Thereafter on XX/XX/2022 I received another secure message from the Chase Retail Wire Servicing department in reply to my inquiry of the missing reversed funds on XXXX XXXX. The message was as follows We have acknowledged your request to ( recall/claim not receipt/amend ) the wire, however, we have determined that the wire has been reversed. The reason for reversal is ( RETURNING YOUR XXXX LESS FEE*WIRE SENT BY 3RD PARTY ) . When a wire is reversed/returned, it means the funds debited your account successfully which was returned to us by the receiving bank. Processing fees may have been applied by the receiving bank which may result in a lesser amount being returned. This is irreversible as this is a wire fee assessed by the other financial institution. The message provided no information or update on my missing funds of {$1400.00} that were returned by the receiving bank. On XX/XX/2022 I then went to my local Chase branch to talk with a representative and explain my situation. The Chase representative was nice, but informed me that there was nothing that they could do since they were unable to see the returned wire transfer on the backend. As a result they called the Chase Bank back office and explained the situation just as I have been doing for the past 2 weeks. I was provided the same information, that they are unable to do anything and advised me to reach out through the Chase Bank Wire department via secure message and wait for a response. On XX/XX/2022 I sent another secure message using the reference number previously providing and demanding an update as to why my funds are missing and why they cant be located. On XX/XX/2022 I finally received the returned wire funds of {$1400.00} from XX/XX/2022 that was sent to my Chase personal checking account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The lack of information and communication from Chase Bank during this incident has caused significant impact to my personal finances for this month.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5897112", "source": "cfpb", "group_id": "cfpb/38a16cee7a4ac8249620", "variant": "clean", "length_bucket": "long", "chars": 4785, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-08-19", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "38a16cee7a4ac82496208845383e480ab074912e4fac2bca0112dddd9059f306", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We had a line of credit on our home and it was serviced by Specialized Loan Servicing. We paid of the line of credit and desired to close the line of credit. The fine print says and we have documentation to support this statementment attached : \" If the borrower makes a prepayment during the first thirty-six months after the agreement date, the Holder may collect a prepayment charge of two percent ( 2 % ) of the outstand balance on the line of credit at the time of prepayment. We had a {$0.00} balance on the loan and proceeded to close out the line of credit. We received a bill in the mail for {$4500.00} to allow us to close out the line of credit. We had to pay it because they refused to follow the fine print and we needed to close the line of credit at that time. We initial sent correspondence to Specialized Loan Servicing and they continue to delay and have stop responding now. After many phone calls we were told to send an email to them and that started in XX/XX/2021. I have attached the continued mail correspondence as they will not communicate over the phone or via email with us regarding the issue. We want our {$4500.00} refunded as it was not legally collected from us but we had no choice but to pay to move forward and close the account. We spoke with the lender that closed the loan and he said he agreed but we would have to go through the SLS company and he would not be able to correct the problem. The lender is XXXX XXXX  but they only refer us to the servicer SLS. And they keep sending letters saying they will get back to us in `15 days and then an", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4575925", "source": "cfpb", "group_id": "cfpb/fb4ca7790f09e0636cd0", "variant": "clean", "length_bucket": "medium", "chars": 1585, "company": "Specialized Loan Servicing Holdings LLC", "date_received": "2021-07-26", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "fb4ca7790f09e0636cd03ea01100b57cf065a26b16b404ba5cf26fc3daf9c49f", "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 went to XXXX XXXX XXXX who is an affiliate of Credit Acceptance Corporation to inquire about a car loan. I was told that if tried for a loan there would be no impact on my credit as I have low credit and been a victim of identity theft. It was a lie as my credit went down XXXX points and got XXXX different inquiries on my credit for which was not advised that this will happen. Also the dealership kept adjusting the loan amount, the deposit amount and they even added a warranty without my consent as they claimed that it would get approved for a higher loan. I was pressured into the signing for the loan even though I was asking for questions about the loan which the dealership gave mixed messages, I also didn't feel comfortable electronically signing the loan as I wanted to write all right reserved, without prejudice and without recourse. I was left with no choice but to e-sign and I signed the acknowledgment of my e-signnature with all rights reserved without recourse and without prejusdice. I was never given any disclosure about the loan and about all my rights as a consumer, especially rights to rescind the contract, right to opt-out, all that by law is included in the finance charges and that no deposit is required for a loan as it should be part of finance charges. I was never given any information about the loan, terms, finance charges, my rights as a consumer. None of the information within the contract was explained to the and when asked questions the dealership didn't have any explanation. I was asked to give a down payment of {$4600.00} which I did in cash. After asking several times for a receipt I was never given a receipt. I left the dealership without a car and without a copy of the contract I had just sign. In fact to this day I do not have a copy of this contract that I signed. The loan was immediately assigned to Credit Acceptance Corporation when I signed for the loan. I was given the car on XX/XX/XXXX and shortly after the car started shacking and making noises. I took it to my mechanic and was told it has a faulty motor, needs XXXX rear tire, both rear wheel bearing, rear shock and balance for all rear tires, the front bumper is falling off. I was deceived into buying an unsafe, mechanically unsound and faulty car. I was deceived into signing a loan for which I didn't get a copy to review prior to signing, I was rushed through the process. I was taken advantage due to my credit situation and my need for a car and the dealership and Credit acceptance bank took advantage by selling an over priced car and having high interest rates. I have sent as of today XX/XX/XXXX my recession to the contract to Credit Acceptance Corporation as I was entered into there was fraud, deceptive, unfair and coercive actions that took place in the transaction. \nit is also worth mentioning that Credit Acceptance Corporation was sued by Massachusetts attorney general due to their deceptive and unfair business practice and other violations and a settlement was reached 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": "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/6146553", "source": "cfpb", "group_id": "cfpb/7409539cc40695f5d16a", "variant": "clean", "length_bucket": "medium", "chars": 3037, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2022-11-01", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "7409539cc40695f5d16a1bead116330950cc376b33319c450a77c20548ec7132", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "While attempting to get a new mortgage on a new home built on the same property I was told that Suntrust/Truist held a lien on the property from the home equity loan that was taken out on XX/XX/XXXX. The home equity loan was paid in the full amount of {$4600.00} on XX/XX/XXXX. Loan payoff number XXXX was indicated on the check, this number was provided by the customer service member at the branch office of Truist. \n\nOn XX/XX/XXXX I contacted Truist via their toll free number to initiate a lien release and provided the information needed to initiate the release. I was told that processing would take 1-3 working days. Truist did not start processing the request until the XXXX according to computer information provided by a local branch manager when I visited her on the XXXX of XXXX after numerous failed attempts to obtain information on the phone. On the XXXX the claim was 7-10 working days to finish the release Branch manageXXXX XXXX XXXX has been fantastic in contacting \" the back office '' to check on progress of the paperwork but has been unable to get the processing done even by placing it on expediated notice. I was assured that the release would be processed by XX/XX/XXXX and per my county office this has not occurred. \n\nI requested that Truist provide my closing attorney with a letter stating that they were processing the lien release and they stated that since it was being processed that they would not issue anything until their process was completed. I am unable to close on my new mortgage and will lose the rate that I have locked in at if Truist does not process this release, costing me XXXX of thousands of dollars. \n\nSix months should be adequate time to process a lien release!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6072718", "source": "cfpb", "group_id": "cfpb/0f9fdccb9dd3f890f9d9", "variant": "clean", "length_bucket": "medium", "chars": 1716, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2022-10-11", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "0f9fdccb9dd3f890f9d92f2aac13dedb204e357ec430a715da56228eeeccdaa1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Loan : XXXX To whom it may concern, Please be advised I have submitted a complaint to the Consumer Financial Protection Bureau due to the fact I or my authorized third party have been given the run-around with regard to obtaining updated Payoff and Reinstatement Quotes. A Payoff Quote was received from XXXX onXX/XX/XXXX with the quote expiring on XX/XX/XXXX. On XX/XX/XXXX we requested updated Payoff and Reinstatement Quotes as the Quote we received only contained Payoff information, not reinstatement information and only allowed 7 days to fulfill the Quote. On XX/XX/XXXX we contacted the bank to request that you postpone the foreclosure sale that was scheduled for XX/XX/XXXX as I had already used one adjournment and I want to retain my second adjournment as there are no other guaranteed adjournments that will be offered to me from the state of New Jersey. We were advised to contact the foreclosure attorney to get the proper steps to follow. XXXX XXXX from XXXX advised to send a letter stating my request with proof that reinstatement funds were being obtained and he advised to email that to XXXX The letter requesting the bank postpone the foreclosure sale was emailed to XXXX onXX/XX/XXXX On XX/XX/XXXX we attempted contact with XXXX to discuss the postponement request. A message was left advising the letter was emailed to the inbox provided and a call back was needed to confirm receipt. Later that day the reinstatement quote that was requested onXX/XX/XXXX was finally received, however the quote stated the date the quote was valid through was XX/XX/XXXX. Additionally, the quote states to submit the reinstatement funds three days prior to the expiration date to allow processing and mailing to our client. On XX/XX/XXXX XXXX returned a call to my authorized third party to state they never received my written request to postpone the foreclosure sale set forXX/XX/XXXX. While on the phone with my third party, the representative from XXXX discovered the email and ensured it would be forwarded to the correct department to work. We spoke to XXXX onXX/XX/XXXX and they advised the postponement request had been forwarded to the bank for approval/rejection. I was forced to use my second adjournment on XX/XX/XXXX to stop the sale scheduled for that day. We called XXXX on XX/XX/XXXX for an update on the updated Payoff and Reinstatement Quotes. A message was left to return the call. A return call was not made. I filed bankruptcy on XX/XX/XXXX. Documentation was faxed to the bank and XXXX. We called XXXX on XX/XX/XXXX to verify they received the bankruptcy documentation and to inquire about the Payoff and Reinstatement Quotes. A message was left. XXXX called my third party back to advise the sale was stayed, and she faxed documentation to support that. On XX/XX/XXXX my third party requested an updated Payoff and Reinstatement Quotes from the bank. They were advised it can take up to 10 days to process the request and the Quote will only be valid until XX/XX/XXXX. We further requested the quote be valid for a longer duration as the Quote will have expired or be within 3 days of expiring by the time the request was processed and faxed to us. The representative stated that she will request the quote be valid until XX/XX/XXXX. On XX/XX/XXXX my third party called the bank to inquire on the status of the Payoff and Reinstatement Quotes, they requested that the Quotes be expedited. The banks representative stated we would need to speak to the foreclosure attorney to request the Quotes be expedited. They called XXXX and again left a message for a call back. XXXX called my third party back onXX/XX/XXXXXX/XX/XXXXand advised that Payoff and Reinstatement Quotes were processed on XX/XX/XXXX and valid until XX/XX/XXXX. I nor my authorized third party have received these quotes. My third party asked again for the Payoff and Reinstatement Quotes that were requested on XX/XX/XXXX to be valid for a full two weeks instead of the very limited time given in each of the previous Quotes.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2560673", "source": "cfpb", "group_id": "cfpb/63aafe9f038fddf430ee", "variant": "clean", "length_bucket": "long", "chars": 4021, "company": "MIDFIRST BANK", "date_received": "2017-06-28", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "63aafe9f038fddf430ee436dd7953bd673752b7e7bccf5bc1794f485dc9744d6", "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 contacted the 3rd party that handle my student loan for us dept of edu. National recovery and was advised I can do the rehabilitation program and make XXXX monthly payments for 9 months to get out of default. I adv them I could pay XXXX a month and set my first payment for XX/XX/XXXX there was an issue with payment going through that day and they called me adv that the payment did not go through and that anytime a payment does not go through I will get a call to have the payment resubmitted. there was a form I needed to return for the program and had an issue returning it due to schedule so they offered me to have the package picked up from my hom I left package on my door step for 3 days and it was never picked up. I then was able to drop it off myself and told them the package was on its way. I then was due for a payment in XXXX that went through. then in XXXX on XX/XX/XXXX the payment did not go through I did not get a call to have payment resubmitted like usual so I called them no answer left a mess. I did not get a call back and according to a rep at national recovery they called and there was no answer but there was no call to me then they said the call could not be completed. I then spoke with them on XX/XX/XXXX to let them know my taxes where offset and to see how this will impact my credit I was told the only was to have this completely removed from my credit was to do the rehabilitation program s opted back in the program after I was kicked out due to non payment I was to make a payment of XXXX on XX/XX/XXXX due to my bal left was so low that my option to pay XXXX would not allow me to complete the program in 9 months as required so I was told to just make the regular XXXX payment so XX/XX/XXXX came and no payment taken out I watched my account and funds where in there and not taken out. days go by I hear nothing from this collection agency to collect. so they called me in XXXX and told me the payment of XXXX did not go through when it was to be for XXXX. I adv them that im confused at this point and don't know what they want me to do after 2 yrs of my taxes being offset I owe them XXXX and if I pay them off I will have this on my credit for 7yrs as an collection acct pif. I am in process of working on my credit and don't need this to follow me for 7 yrs so I have been trying to work with them and cant seem to get around this program because I keep getting put out the program and having to start over. I have been told conflicting information by different reps and was told different amts I owe them and us dept of education I need help resolving this matter cause I don't trust them anymore. I feel they knew they were going to take my taxes so that's why they didn't bother calling me in XXXX for my payment I was told they don't leave messages if they call me back and I told them I have gotten messages from them when something was wrong for me to call them back they were not detail messages but they left messages now they don't leave messages when they try to call all call are recorded I would like the calls listened to and my acct audited. I received bills from them with different due dates for my payments as well that I can show at a later date and I can get a call record of the calls to 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": "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/2877806", "source": "cfpb", "group_id": "cfpb/df8269ed2ccc5f3cb372", "variant": "clean", "length_bucket": "medium", "chars": 3285, "company": "National Recoveries, Inc.", "date_received": "2018-04-17", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "df8269ed2ccc5f3cb372a92904e406fe03cffa2dd9cc70d54eaa78a91bb62c6d", "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 notice from my mortgage company XXXX Primary Residential Mortgage that my payment was going to increase on XX/XX/2022 by {$440.00} a month. \nI have called several times and even submitted a formal complaint with no resolve. \n\nI was told they miscalculated my property taxes at close and are needing me to make up the difference ( backpay ). \n\nThe previous owner was on homestead tax program and they went off of that. \n\nI received a 2 week notice and the company made it very clear there is nothing i could do. \n\nIf I had this information I would not have gotten the house. I made it clear I needed to stay around {$1000.00} a month or less. My payment is now over {$1400.00} with this adjustment. I have been paying it so I do not have a mark 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"}}, "_meta": {"id": "cfpb/5549779", "source": "cfpb", "group_id": "cfpb/14cd4f8ba382abd490b2", "variant": "clean", "length_bucket": "short", "chars": 789, "company": "PRIMARY RESIDENTIAL MORTGAGE", "date_received": "2022-05-06", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "14cd4f8ba382abd490b25f6e2f8d4bec78d4b1a4c8778bd603208d4067e52042", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have not even been able to begin to pay my loans back due to financial hardship & even when I address these issues with the company, they refuse to assist me, continue to tack on more and more interest, and raise my amounts to much higher than I would be able to pay back. I would literally have to spend the rest of my life paying them and then the debt would probably fall on my children. There is no reason why I should have to be punished for wanting a higher education to improve my chances in the workforce to have this company demand exuberant amounts of money that I ca n't even afford. I should n't have to choose between taking care of my home and student loans.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2296120", "source": "cfpb", "group_id": "cfpb/e4a78710b43dad283ad9", "variant": "clean", "length_bucket": "short", "chars": 674, "company": "Navient Solutions, LLC.", "date_received": "2017-01-19", "product_raw": "Student loan", "issue_raw": "Can't repay my loan", "sub_issue_raw": "Can't decrease my monthly payments", "text_sha256": "e4a78710b43dad283ad982bb8f72ddc31f0417661dabab0bf322edbb477d236f", "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, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. \n\nXXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX XXXXXXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. \n\nXXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. \n\nXXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. \n\nXXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. \n\nI am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. \n\nThank you for your attention to 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": {"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/6608024", "source": "cfpb", "group_id": "cfpb/6edd6319abd788a8b611", "variant": "clean", "length_bucket": "medium", "chars": 1981, "company": "EQUIFAX, INC.", "date_received": "2023-02-23", "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": "6edd6319abd788a8b6116de3dd23d2d5a7f8e15b123b6a372cf9da5ddb5a3d60", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX auctioned my property off on XX/XX/2021 when I was current and had no issues with my mortgage and payments. They never warned me or notified of any pending sales. \nXXXX refused to admit they made serious mistakes in their accounting and probably dismissed all documents I sent them without taking a look. \nOn XX/XX/XXXX The Superior Court of New Jersey, XXXX County ordered them void the sale and return all property documents to my name. They still have not complied with the court order. \nNow, Kondaur Capital, LLC, Is now threatening to foreclosure on the house even though XXXX have not complied with the Court Order and may have no standing to foreclose on the property. Kondaur is the second mortgage company/servicer to contact me. The first company was XXXX. \nI need help with dealing with these myriads of financial and mortgage company who are playing with people 's lives and destroying families. \nI did what I was supposed to do. \nThank you 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"}}, "_meta": {"id": "cfpb/4747303", "source": "cfpb", "group_id": "cfpb/804d1d5523812f4c6f72", "variant": "clean", "length_bucket": "short", "chars": 984, "company": "Gitsit Solutions, LLC.", "date_received": "2021-09-23", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "804d1d5523812f4c6f72749fa867a66549282c374da4e2b51e792bd6f5029513", "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!!! \n\nI 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. \n\nI 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. \n\nPolicy states. \n\nAccording to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. \n\n( 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. \n\nTherefore, 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\nFinally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. \n\nIt must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. \n\nIt should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. \n\n\n1. CHOICE RECOVERY INC bal. {$44.00} 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. \n\nAccording to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. \n\n1.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. \n\nI 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. \n\nEnclosures : 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 CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX \n\nXXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. \n\nXXXX, FL XXXX CC : Attorney General Office XXXX XXXX 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": "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/4202083", "source": "cfpb", "group_id": "cfpb/194cdc1b103dff0e4ea4", "variant": "clean", "length_bucket": "long", "chars": 7337, "company": "Choice Recovery, Inc.", "date_received": "2021-03-11", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "194cdc1b103dff0e4ea44b07e0c3bfa29e043c708c19c57af5b78f912593b271", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Initially requested a recast of my mortgage on XXXX. I was asked to wire funds on XXXX XXXX. I was given an expectation of XXXX days to complete the process. I continually contacted the company by phone and email requesting status of completion, as I knew my mortgage payment would decrease once recast was processed. I was told still in processing and reminded of XXXX days as late as XXXX. I was frustrated knowing we were beyond XXXX days. They were withdrawing payment until XXXX payment and I called to inquire why the automatic transfer stopped. It took until the end of XXXX to get response that since a recast in process they'd no longer be able to accept payment through automatic payment from my institution and I'd need to pay directly to company. I immediately paid my XXXX and XXXX payment. I was assured no late payment would be reported. Not until I contacted original lender for assistance in getting resolved as determined they had in fact processed my recast as a loan modification and had reported late payments to the credit agencies which negatively impacted my exceptional credit rating by XXXX points which resulted in decrease of credit status to good. While they \" fixed '' the rating they still have reflected my payments as late.", "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/9192734", "source": "cfpb", "group_id": "cfpb/0d8ff7757b198cf9ac7a", "variant": "clean", "length_bucket": "medium", "chars": 1256, "company": "BSI Financial Holdings, Inc.", "date_received": "2024-06-06", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "0d8ff7757b198cf9ac7a3f57733df0ca2c9d91c454981b382e2d5c63fba353f9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is a complaint against USAA Bank, who has prohibited me from accessing my savings and checking accounts and are holding the monies in my account hostage. USAA closed my primary checking account that I had with them for over ten years due to an unpaid balance that resulted due to an employment scam for which I was a victim. I contacted USAA Bank on XX/XX/2021 ; and informed them of the scam immediately after I realized that I had been victimized. I explained to the customer agent the nature in which the scam had occurred, also advising the female agent the level of investigation that I had exhibited to concluded that I had indeed been scammed. Not only had I been scammed but I prevented another unsuspected entity ( a law firm ) from being victimized of wire fraud. \nOn XX/XX/2021, under the pretense of a company called XXXX XXXX, and contacted me via email after reviewing my resume on XXXX. I completed a full interview with an interviewer from this company XXXX XXXX, advised I was hired for the position and would need specific types of software required for the position. I was conned into believing that a check that was forwarded to me for the purchase of software was required for a home-based office to work for this company. I was advised via text through a communication app called XXXX to deposit the check for {$5400.00} into my personal account and send certain amounts of monies to the so-called software administrator. I sent the first transaction of {$1000.00} via XXXX to an email address as instructed, however, I was requested to send another {$1000.00} to the same email address, which I questioned the interviewer why I was not advised to just send the full amount necessary to acquire the software from their vender. When the interviewer explanation did not make sense to me, I advised the interviewer that I was experiencing issues with my bank application and would have to give customer service at the bank a call the next morning since it was after XXXX p.m. He advised he will call me back the next morning. \nI conducted the investigation throughout the night to discover the check that was forwarded to me was a valid check, however, I was stolen information cloned from an account of a law firm in Florida. Using the name of the individual listed on the check, conducted a cross-study research which revealed, that XXXX XXXX, XXXX, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Attorney XXXX XXXX serve as judge and partnered in a law firm there in Florida. I sent XXXX XXXX an email with the information that was forwarded to me ; and advised of what was going on and asked if the check was legitimate and if she was aware of the company. The following morning, Attorney XXXX XXXX responded to my email declining any knowledge of XXXX XXXX company ; however, the check was valid on her firms checking account. I advised her to contact her bank and vice versa. \nI also called the law firm on XX/XX/XXXX, to speak with XXXX XXXX because I was not aware she responded to the email that Id sent the previous night. I spoke with her partner at the firm and explained the entire process and how I located their company through investigation. He was intrigued by my investigative skills. He also advised that I should contact XXXX to informed them of the scam being conducted through their creditable sight as well as my bank which is what I did. I contacted my bank immediately after speaking to the partner at the firm and reading XXXX XXXX email response. After speaking to the representative at length and providing her with a timeline of the entire incident, it was her determination that since it had been less than 12 hours since the incidence occurred, the bank where the XXXX payment was sent could be requested to block/stop the transaction or provide information regarding the transaction for a police report. I was advised that my case would be referred to the fraud department at the bank and would be contacted if additional information would be required. However, after a a week or so with no contact from the bank. I contacted USAA in regard to an update with the fraud case and was informed that a fraud case had not been investigated, because I was being held responsible for the outstanding balance on the account. The male customer agent in the fraud department of USAA informed me that USAA was already aware of this type of scam involving USAA customers. I proceeded to inform the bank agent that I was the one who called to inform the bank about this scam and that the remaining deposit of {$4500.00} in my account showing available in my account but should be removed, neither did I touch those funds in the account. \nAfter several calls and contacting USAA fraud department and the supervisors refused to further investigate or comply to my requests for additional documents relating to my fraud claim be sent to me to process an outside claim or police report I was denied ; and my primary checking account was closed for the unpaid fraud transaction of {$970.00} after thirty days. USAA bank, since then has blocked my access to my other three accounts I still have open with them and will not allow me to withdraw my {$2000.00} plus from these accounts, nor will they close the accounts at my request. I attempted to pay the amount that my account as being held hostage over, but I was advised the account had been written off and transferred from one department to another without any resolution. I am not the only customer who has recently encountered this behavior from USAA against veterans since the favorable outcome of the lawsuit by the VA and its veterans. It is my strong belief that I am being discriminated against. I have suffered great losses due to USAA accepting funds into my accounts but would not pay transactions that had been submitted for bill payments, security system and car payments. I have endured XXXX  of dollars in returned payments, late fees, and account closures due to auto payment failures. I also reported the scam incidence to other appropriate agencies i.e., police department, online FBI report, USAA the law firm of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ; XXXX, where the scam was originated, and I have proof of the reports and other communications also.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5880629", "source": "cfpb", "group_id": "cfpb/8540e270f74d7069acbc", "variant": "clean", "length_bucket": "long", "chars": 6277, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2022-08-15", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "8540e270f74d7069acbc7790bb898aadf9a6eb46fb6e774bee444414674f7f75", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was billed by XXXX XXXX XXXX in XXXX New York for a total of {$82.00} for services dated XX/XX/2019 ( pathology related ) that I never received. I called the hospital multiple times for either proof of service ( medical record/lab results ) or dismissal of the charges. But the hospital did neither and eventually reported this fraudulent charge as debt to EOS CCA. When EOS CCA sent me a letter requesting payment earlier this year for the first time, I send EOS CCA a letter to explain the issue and told them it is not a legitimate debt. I also suggested EOS CCA to investigate the charge and notified EOS CCA my change of address in the same letter. However, EOS CCA is now sending me the bill to my new address without explaining to me whether they conducted any investigation into the legitimacy of the charge or the results of any such investigation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3949785", "source": "cfpb", "group_id": "cfpb/bb61706d239059e52433", "variant": "clean", "length_bucket": "short", "chars": 859, "company": "EOS Holdings, Inc.", "date_received": "2020-11-11", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "bb61706d239059e5243368f3f8d6524a68dd6f3d8266e97cca668cd657abe52c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have used the XXXX services through my bank without a problem in the past but lateley is like XXXX makes is a point now to delay funds to placed them in what they called \" limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight into longer days in the interbanking lending process. Also is sharing that information with other banks On or about XXXX money was send to my XXXX bank account via XXXX using my email address. My Email address is register ( XXXX ) but I learned that on XXXX JP Morgan Chase   intercepted that money. I dont have any accounts at this time with JP Morgan chase. The money send to me was to pay a balance on a business transaction that if not pay on this day will cost me a {$75.00} daily fee plus lost of my origianal investment 0f {$3500.00} through an internat customs services. XXXX Upon cantacting XXXX I learned thought is representative XXXX and XXXX at the Arizona center that The Money was being detained by JP Morgan Chase the same answer I got from XXXX. \n\nWhen contacting JP Morgan Chase a representative by the name of XXXX in customer service confirmed, XXXX at the XXXX call center transfer me to Chase Mobile banking the the XXXX with a representative by the name of XXXX XXXX whom then acknowledge that the money was being held by JP Morgan Chase it would transfer me to a department to assist me - I called several times and the emplyees at JP Morgan would disconnect me once they realized that they were holding my money illegally and did not wanted to get involve. \n\nFor some reason JP Morgan Chase had illegally open an account to keep those funds. I had not done any sort of busniess with JP Morgan Chase in 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3243650", "source": "cfpb", "group_id": "cfpb/16ff7bfd20cffc5465e4", "variant": "clean", "length_bucket": "medium", "chars": 1725, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-05-15", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unexpected or other fees", "sub_issue_raw": "", "text_sha256": "16ff7bfd20cffc5465e4c3494da55a6659a14f450c9da75d45cfa585d79664e8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a payday loan in XX/XX/2017. I was going through a divorce and many things happened. I exended the repayment daye but it got larger and larger and I could not pay it back. I was waiting for a collections to come through on the account but It never did. I was waiting to see if I could set up arrangements to pay after it wet to collections so I didnt have to pay upfront. I had not heard anything and to be honest forgot about it especially with everything going on, I have been contact by XXXX XXXX, XXXX XXXX phone # XXXX with threats of lawsuit and constable intervention. He wanted me to pay {$250.00} today and make three payments of {$410.00} to settle the account but has provided no documentation or conrete information regarding the settlement of the account and I do not feel comfortable paying him without this information. I want to settle account and also protect myself. The non-payment was unintentional and a mistake. I am willing to set up a payment plan but one that does not heavily affect my livilihood as a single parent. Please advise. I have no documents from ACE Cash Express or from XXXX XXXX XXXX that state the debt or ways to respolve. I have only received calls with threats and unrealistic accomodations to resolve the account.", "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/3850316", "source": "cfpb", "group_id": "cfpb/5dacc55fac81802f2d9a", "variant": "clean", "length_bucket": "medium", "chars": 1263, "company": "Populus Financial Group, Inc. (F/K/A Ace Cash Express)", "date_received": "2020-09-15", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "5dacc55fac81802f2d9a6fbcffd16e078bb6aab32f6059e485530b976c639e38", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX started garnishing my wages at my work without getting a judgement. My work took out {$350.00} on XX/XX/2018 per XXXX XXXX request and sent them the payment, they again took out {$350.00} on XX/XX/XXXX and sent the payment to minute loan center. They only stopped garnishing my checks because I got laid off on XX/XX/2018 and have been unable to find work. I didn't know that XXXX XXXX XXXX could garnish my wages with out getting a court order. On XX/XX/XXXX I received a call from XXXX XXXX XXXX stating they had not received my payment from the garnishment and that they found out I was not working there, that same day I received an email receipt showing the payment. I didn't contact XXXX XXXX XXXX about being laid off because I thought my work would, that is how I found out it wasn't a garnishment with a judgement. How is this fair, what can I do about it? \n\nI did not know it was an option to sign the wage assignment form, I was told I had to sign it but was told that they wouldn't garnish my wages without getting a judgement, wish obviously isn't true.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3021850", "source": "cfpb", "group_id": "cfpb/e0bec697005b11178d7d", "variant": "clean", "length_bucket": "short", "chars": 1081, "company": "EMG ACQUISITION GROUP, LLC", "date_received": "2018-09-17", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "e0bec697005b11178d7db3195b9d933e936c80b68ac3d721f62398902b9c12ae", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Subject : DEMAND DELETE XXXX  Record AND ACCOUNTS WERE INCLUDED IN THE XXXX Due to Privacy Violations and FCRA Non-Compliance AND XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am writing to formally complaint for Transunion the inclusion of a XXXX record on my credit report, which I believe has been reported in violation of my privacy rights under 15 U.S.C. 1681a ( 4 ), and in non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). \n\nThe court has provided me with AN AFFIDAVIT STATING THAT THEY DO NOT VERIFY OR VALIDATE ANY PUBLIC RECORDS THROUGH YOUR ORGANIZATION. I request that you immediately delete this unverified account. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act, Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal of this XXXX  record and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. \nThe details of the XXXX  record in question are : XXXX Account Number : [ XXXX ] Date of XXXX  : [ XX/XX/year> ] NAME XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX Additionally delete immediately, the following accounts were included in the XXXX  : XXXX. *Creditor Name : * XXXX XXXX  XXXX - *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXX XXXXXXXX ] - *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXX XXXX  ] - *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXX XXXX ] - *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXX XXXX  ] - *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXX ] - *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXXXXXX XXXX  XXXX XXXX XXXX *Account Number : * [ XXXX ] XXXX. *Creditor Name : * [ XXXXXXXX XXXX XXXX - *Account Number : * [ XXXX ] DELETE XXXX  Account Number : [ XXXX ] and accounts were included in the XXXX  FOR VIOLATION TO THE FCRA AND TILA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately. \n\nBOTH RECORD DONT REPORTING TO XXXX AND XXXX XXXX express my deep disappointment in the information you have provided, as it fails to meet the minimum standards required for credit reporting. I respectfully request that you take immediate action to rectify this issue, as inaccurate and incomplete data has no place in your database or on my credit report. Should this matter not be resolved promptly, I may have to pursue legal recourse. Therefore, I kindly urge you to remove this inaccurate information from my credit report without delay. \n\nI have outlined the concerns pertaining to your reporting, as documented herewith, and I regret to inform you that it lacks comprehensiveness and fails to meet the standards I expect. In accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance Violation of Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The inclusion of this XXXX record on my credit report was done without my proper consent and did not follow the required procedures for handling sensitive information. This action infringes upon my privacy rights and has adversely affected my financial reputation. \n\nNon-Compliance with FCRA ( 15 U.S.C. 1681b ( 2 ) ) : According to this section of the FCRA, information in credit reports must be used only for permissible purposes and in accordance with established procedures. The XXXX record in question has been reported without valid justification and does not meet the necessary criteria for inclusion. \n\nRequest for Removal under 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 609 ( a ) ( 2 ) : According to these sections of the FCRA, I have the right to request the removal of information from my credit report that is not accurately reported or is no longer appropriate for inclusion.\n\nFurthermore, under 609 ( a ) ( 2 ), I am entitled to request proof of the verification of the XXXX record. If you are unable to provide such proof, the record must be deleted. \n\nViolation of Rights under Title 15, Chapter 41 : As a federally protected consumer, my rights under Title 15, Chapter 41 ( The FCRA ) have been violated. I am entitled to a full accounting of how this XXXX was verified and to ensure that all information on my credit report is accurate and handled according to the law. \n\nI request that you review this information in light of the cited legal provisions and proceed with the removal of the XXXX  record from my credit report. Additionally, please provide proof of the verification of the XXXX record as required by the FCRA. If such proof can not be provided, the record must be removed immediately. \n\nI appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. \nI do not consent to e-Oscar or any means of automated verification. \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 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting '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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : Federal Trade Commission Thank you for your cooperation. \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/9780326", "source": "cfpb", "group_id": "cfpb/29f2fff71ad0a89d4116", "variant": "clean", "length_bucket": "long", "chars": 6602, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-08-13", "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": "29f2fff71ad0a89d41162135053c11c66b8a4845b39803b69c86373050ed85aa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I took an advance from Grid months ago. Once it was repaid, I wanted to delete my entire account with them. This was in XX/XX/2023. They do not allow you to delete your information from their mobile applications or from your online account profile. I was told that they had to do it from their end. Today, XX/XX/2023, they have again charged me {$10.00} for a \" membership fee '' that I did not want ... which showed me that they didn't delete my banking information from their databases. \n\nThese people are a scam. They will continue to charge you even after you have cancelled your \" membership '' with them. Do NOT get involved with 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": "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/7779050", "source": "cfpb", "group_id": "cfpb/67e046cc45d24067cc37", "variant": "clean", "length_bucket": "short", "chars": 644, "company": "Hatfield, Inc.", "date_received": "2023-10-31", "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": "67e046cc45d24067cc37c206baa5dc5dd19616ae4a6ca16939fa436667b3d2d8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After an Incoming Wire Transfer, Fifth Third Bank puts a 10-Day hold on the Funds in some parts of their System. All Wire Funds are supposed to be available within 24-Hours per \" Regulation E '' and this is not the case across the Fifth Third Banking System. The consumer has to call the Bank and initiate a Manual Intervention. In some cases, this may allow the Bank to charge unnecessary Interest Charges to the Customer. \n\nAlso, if a Curtailment Payment to a Loan is made on a Saturday in their Internet Banking System, Fifth Third waits until the next Business Day to record the transaction. This costs the Consumer 2 more days of Interest Charge. With 24-Hour Internet Banking, Fifth Third should be looking at Transaction Dates. Instead, Fifth Third forces its System to use the next Business Day. Credit Card Companies use Transaction Dates and so should Fifth Third. Not using the actual Transaction Date allows the bank to steal monies from Consumers. \n\nThe Fifth Third System and Procedures are outdated. I also get the sense parts of the Fif Third System is just lazy and they don't think through policies and are slow to update 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": "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/5333043", "source": "cfpb", "group_id": "cfpb/99dd4fdc0cbb5ea35bee", "variant": "clean", "length_bucket": "short", "chars": 1145, "company": "FIFTH THIRD FINANCIAL CORPORATION", "date_received": "2022-03-16", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "99dd4fdc0cbb5ea35bee7793b6c5d906b73d128e24c14b085e5d072c3223d9bf", "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 contacted Navient Account regarding my loan #  XXXX  to obtain information regarding the estimated number of months left before I would be able to apply for a loan forgivenes s under the Public Safety Loan Forgiveness program . The first customer service agent I spoke with advised me that the loan program that I was currently in did not qualify for this program. I was transferred to another agent that had better details and explained that my loan was not on the correct repayment program and that I needed to be on income based repayment plan and that I was not currently on that plan. She then advised me that I needed to consolidate my loan and offered some examples of how that could occur. Finally, she advised me that my loan type was not even the correct loan type and that it needed to be serviced by a federal student loan program and tha  t Stafford loans that I currently had were not correct.\nI asked her what needed to be done to correct this and advised of a telephone communication that I had had with them approximately 4-5 years earlier when I contacted them to set up my monthly payment amount and my inquiries about this loan forgiveness program. I have been employed in as a qualifying public safety position for almost 10 years now. I recall some specifics about that conversation with respect to the following : 1 ) If being a county government probation officer q  ualified under this program and was advised it did.     2 ) What was the total number of payments that needed to be made and it was 10 years ( 120 payments ) 3 ) If my loan qualified and was advised it did.\n4 ) If the payment plan qualified and was advised it was.\nI relayed this to the agent and she advised me that items number 3 and 4 were not accurate. She inquired if I got this information from Navient or another servicer. I told her that I recall that my loan was serviced by someone else prior to Navient b  ut could not recall the name of the provider and she could not tell me whom it was. I stated to her that I contacted my first servicer, whom I now know was  XXXX   XXXX , when I first started my employment and recall that I did qualify and that I needed to make my payments. At the time, I was not able to make payments towards my loan in the amount they needed. I can not recall if I have made a total o f two or three calls to my loan servicing company. However, I distinctly recall contacting them when my loan was transferred to Navient to  ensure nothing changed with respect to the status under this loan forgiveness program. The final call I made to them was likely in  XXXX  when I was able to make payments towards loan. At this time I was very specific with respect to discussing this matter as I was entering the payment phase of my loan. At the termination of this phone call, I was under th e ( now false ) impression that I was set up and was making qualif ying payments towards this loan forgiveness program and that no further action was needed on my part except to make payments by the due date each month.   I contacted Navient on  XXXX  because I am coming up on my 10 year anniversary with my current employment and wanted to get an update on where I was at with my payments. After the conversation with the Navient employees, I felt like I have been kicked in the gut. After this months payment, I have made   57 payments towards my loan, all of which were supposed to be moving me closer to meeting my obligations for this loan forgiveness program. I asked repeatedly what can be done to resolve this error and was told that they are not in charge of this program, I did not qualify with the loan type and payment plan. They suggested that I could consolidate my loans with them and become eligible. However, I asked them why I would consolidate with them but then have to change my loan to another servicer that oversaw that specific program. They provided me with phone number to who operated the program. I did ask several times what could be done to resolve this and was advised there was not resolution to this and that I should request the new provider to look into crediting me for the previous payments.\nI did follow up phone calls to the department ( servicer ) of the forgiveness program, based on crude estimates of my income and loan balance  , my loan payment would increase to over  XXXX  a month which would equate to around {$48000.00} in payments and 10 years before I would even be eligible for forgiveness. I have currently mad e 57 pay ments towards my loan. Now I am at the beginning, and based on my current age and retirement criteria, I will likely not be employed in a qualifying position at the time I am eligible for forgiveness. I have m ade 57 paym ents totaling {$9000.00} for nothing. As a result of the business practices of being deceptive or due to incompetence, I am at square one with respect to this program and will likely not be able to take advantage of it due to the likelihood of not being a public safety employee after the  120 pa yment requirement.   In addition to this, I contacted  XXXX   XXXX  after my graduation regarding repayment options for my loans. I was steered towards the forbearance program. I recall discussion with them during this time about various repayment options and the monthly payment amounts they were demanding were not a viable financial option at the time. I hate to wonder if there were other options that were available that would have helped keep the loan balance lower.   Please understand that the forbearance conversation occurred approximately 10 years ago. The payment plan that was to be set up for t he Public Safety loan forgiveness occurred approximately 5 years  ago when I set up the current payment plan. I do not have names of people I spoke with or other specific information that might be more helpful. However, it was not until  XXXX , that I learned that the   57 payments that I have made were for nothing.\nSadly, they have \" no records '' of this to include telephone, email or mail that was sent to me   about the \" correct '' way to apply for this program. I do not have any documentation as it was a telephonic conversation and no further action was needed on my part.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2488991", "source": "cfpb", "group_id": "cfpb/b8c4ea726dd43485b37e", "variant": "clean", "length_bucket": "long", "chars": 6225, "company": "Navient Solutions, LLC.", "date_received": "2017-05-19", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "b8c4ea726dd43485b37ee313eff8cca55cee450d66ae3d3d823af4d0e05c65d4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX  , Equifax , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone 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 files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all 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 with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.\n\nThe below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.\n\nPolicy states.\n\nAccording to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.\n\n( 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\nreinvestigation 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.\n\nTherefore, 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\nFinally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. \n\nIt must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. \n\n\n\nIt should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. \n1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. \nI 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 ) Bl\nock 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 an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of iden\ntity 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\nthis 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. \n\nEnclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3976622", "source": "cfpb", "group_id": "cfpb/c22be3a0cf9126e00014", "variant": "clean", "length_bucket": "long", "chars": 5659, "company": "EQUIFAX, INC.", "date_received": "2020-11-26", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Information belongs to someone else", "text_sha256": "c22be3a0cf9126e00014f3d6815c04b8806801ba798948c3cd6746e1903767aa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is the certified letter I send to Citicard after they refused to remove these fraudulent charges from my account. I have been a loyal customer who pays in full each month and they have treated me like I am guilty. \n\nTo say I am extremely disappointed and angry about my recent experience with the Citi Card Fraud Department would be an understatement. As a long time customer, I have used Citi Card almost exclusively for all of my purchases for the past 10 years or more. I am always very prompt at paying my bill on time. Yesterday when I logged into my Citi Card online account to pay my recent bill, I discovered that my fraud dispute had ended, and that I would not be getting the fraudulent charges removed from my account. Note that your Citi Card website states that no customer will be held responsible for fraudulent transactions. It appears you are not upholding this policy. \n\nOn XX/XX/year>, a petty thief stole my credit card information and used it to buy items at Home Depot. There were two separate Home Depot charges from two separate Home Depot stores on the same day. One charge totalled {$840.00}, and a second charge totalled {$1400.00}. There were also two smaller charges that day. One was for {$94.00} for XXXX XXXX XXXX XXXX, and another was for {$19.00} for XXXX ( XXXX. ( Both of the minor charges have been resolved and removed from my account. ). \n\nWhen I saw these charges, I immediately called Citi Card to alert you of this fraud. I requested that my card be cancelled immediately, and I received a replacement card with a new number one week later via mail. You credited my account and removed the fraudulent charges with a note that said, \" under dispute ''. \n\nLater that same day, I got an email from a restaurant I had never gone to or even heard of before called XXXX XXXX XXXX XXXX. This same thief had used my card to charge {$94.00} worth of food and drinks. Not only did this thief have my credit card number, the receipt showed my email address listed as well. \n\nThe name on the receipt was not mine. It was what Im assuming was a fictional name. It listedJames XXXX and a phone number XXXX XXXX. I tried calling that number, but it was not legitimate. No surprise there. I did call the Citi Card Fraud department immediately upon receiving this email receipt. I told the person who answered that I had some evidence of one of the fraudulent charges. The person I spoke to said that they didnt need to see the receipt at that time. They told me they would be in touch with me if they had any further questions. ( Please see this email receipt attached as evidence ). \n\nSo, here we are. Almost two months have passed and the two larger charges from Home Depot that were in dispute have been reversed and charged back to my account effective XX/XX/year>. A message from Citi Card read that the \" dispute was resolved but not in my favor ''. It also said to see the letter attached that explains their decision. I tried to find a letter but none was available. \n\nI immediately called the Citi Card Fraud Department, and talked to a representative this morning. I asked why the charges were put back on my account. She told me that Citi Card had reached out to me several times, but I hadnt responded. I told her that I had never received any messages from Citi Card telling me to contact them. She asked me again if I recognized either of the Home Depot charges. I told her \" absolutely not ''. She also asked me if I had received merchandise from Home Depot. I told her again, absolutely not.. She said that they would continue to dispute the charges. \n\nIm writing now to communicate to you that I will not accept responsibility for any of these Home Depot Charges in question. Ive done my part to report the fraud to you. If this is not resolved, I will write to the Consumer Financial Protection Bureau and cancel my MasterCard. \n\n\nI look forward to a speedy resolution. I should not have to go to this length to prove my innocence. I am very angry at the way I have been treated here. I can be reached at my cell phone number on file or by my personal email address also on 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": "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/11047631", "source": "cfpb", "group_id": "cfpb/9e94cb4a8e391254c9f9", "variant": "clean", "length_bucket": "long", "chars": 4128, "company": "CITIBANK, N.A.", "date_received": "2024-12-05", "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": "9e94cb4a8e391254c9f97f01f032600eed6e1da01b8fb19cc6bbbd160890b14c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "navient continues to refuse to transfer my loans to public service work program with my other loans through the department of education. I keep receiving letters saying not paid and I 'm late with additional 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"}}, "_meta": {"id": "cfpb/2318102", "source": "cfpb", "group_id": "cfpb/29db2967cb916f194e4c", "variant": "clean", "length_bucket": "short", "chars": 216, "company": "Navient Solutions, LLC.", "date_received": "2017-01-30", "product_raw": "Student loan", "issue_raw": "Can't repay my loan", "sub_issue_raw": "Can't get flexible payment options", "text_sha256": "29db2967cb916f194e4c9284057b8842ed474f194228150383f951375f105fff", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I submitted disputes for several charges that occurred in parts over the course of about a month, resulting in the fraudulent and unauthorized activity on my bank account through online purchases and XXXX transfers I did not authorize from the beginning of XX/XX/XXXX until the end of XX/XX/XXXX, with an estimated total in excess of {$35000.00}. A detailed record of these transactions directly from PNC Bank statements is enclosed. \n\nMy account information was never voluntarily shared with anyone and the use of my device was not voluntarily given to anyone. These transactions are in error because they were not authorized transactions. \n\nTo the best of my knowledge, the fraudulent activity was made possible by and began after completing a device swap of my cell phone with an identical phone under my phone warranty program. At one point, these devices had all account details stored and I suspect some fraudulent interception transpired. I cant say for sure, and I have no way to prove who I think did it - but the bottom line is that these transactions were not done by me or authorized by me. \n\nIn XXXX of XXXX I was forced to close my two retail stores at the onset of COVID and my commercial landlord conducted an unlawful eviction of my business. To this day we are still in litigation. Like many people, I lost my source of income, but in my particular case that was just the beginning of the end for me, my family, my legacy, and even just the basic dignity of human expression and American freedom. Its beyond words how it feels to go from $ XXXX in sales per month to being forcibly stripped of your lifes work and in less than a year find yourself homeless. Part of coping with all of that is I got to a point where I became accustomed to having nothing and fell out of the habit of staying on top of stuff. \n\nSo when I received a large settlement from when I was hit by a car, I just deposited it all into my PNC account and didnt think much of it nor monitor it in any way that would alert me to the initial fraud that affected my bank account. I brought it to PNC Banks attention immediately when I did notice it, and I was given the impression by PNC Bank that they quickly investigated the matter and returned the stolen funds. I thought that put an end to the misuse of my money through my account. \n\nBecause a new card was issued by PNC, my old one was canceled, I was assured by PNC Bank that they had thoroughly addressed the problem, and reopening my business was still months away ; it seemed like it was safe to just let my settlement money sit and continue living frugally. Within weeks, however, my PNC bank account was suddenly emptied of more than {$30000.00}, evidently through XXXX transfers transpiring after I thought the situation was resolved. \n\nThis time, before I contacted PNC, I sought out a solution with the merchants that processed the unreasonable volume of transactions but they would not refund the money. I then notified XXXX directly and tried to initiate disputes but XXXX support refused to process the disputes in bulk. \n\nI repeatedly asked for alternative ways to report the fraud through their system, a phone call, or even the postal service and I was unequivocally told by XXXX support that their dispute process of each transaction, one at a time in the app was the only way to notify them of the fraud and dispute the transactions. Obviously, this wasnt true. \n\nI then gave up on trying to address this fraud through XXXX and initiated efforts to resolve this directly with PNC Bank. In this additional effort to resolve this, I learned that PNC Bank had only investigated a portion of the original disputed transactions, the excuse I was given was that there were a lot of transactions, which did not sound like an appropriate reason to outright refuse to follow its own dispute procedures. \n\nUpon this additional submission of disputes for additional unauthorized transactions, these unresolved prior disputes were also followed-up-on, and I was assured they were properly submitted at that point. I believe the initial transactions I disputed have been investigated and the money has been refunded, but the additional transactions related to XXXX have been improperly denied. PNC Bank also did not provide a provisional credit nor communicate to me that I needed to submit anything in writing. \n\nFrom what I understand, PNC Bank and XXXX jointly decided that the unauthorized transactions were valid based on prior account activity. The possibility of similar prior transactions with the same or similar merchants does not constitute proof that these transactions were authorized - especially when said prior activity consists entirely of transactions PNC had already concluded were fraudulent in the original partial investigation (!!! ). If you look at my account history before the settlement, my spending habits were not at all reflective of what transpired during the period these transactions took place. Upon request, I can also provide the 5 years of business and personal accounts I maintained before I lost everything to COVID which will further prove my point. \n\nThere appears to be a range of violations by PNC Bank of the Electronic Fund Transfer Act ( EFTA ) and Regulation E after I had given PNC Bank timely notice of the transaction errors.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7252690", "source": "cfpb", "group_id": "cfpb/37247afed3a75447ff2b", "variant": "clean", "length_bucket": "long", "chars": 5321, "company": "PNC Bank N.A.", "date_received": "2023-07-14", "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": "37247afed3a75447ff2b2cc145d50d0c2ca7d55f19dc1e61b5f3e5622b02ead9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "i never received any information about the car they never told me whether they sold the car or left it in impound i need proof of this and i let them know where the car was so for them to leave it at the XXXX dealership was not my fault it was their responsibility to get the vehicle of XXXX property. also where is the vehicle mow and i never received any information about that also. Did you investigate or just took what Exeter responded and closed the case out, I need proof", "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": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/6030939", "source": "cfpb", "group_id": "cfpb/ce423bb8d0481a772cdf", "variant": "clean", "length_bucket": "short", "chars": 478, "company": "Exeter Finance, LLC.", "date_received": "2022-09-29", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "ce423bb8d0481a772cdf23d8e4d84088e2c57be857a0ce2a9ed2721ee96707d8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX sells wrist watches online.It advertises on TV nationwide.XXXX XXXX owns XXXX.Some time in XX/XX/2017 and a few times thereafter, I purchased cheap wrist watches from XXXX for approximately {$200.00} ( XXXX XXXX dollars ) on an installment basis with no interest. I authorized XXXX to draw money from my checking account as the installment payment falls due. After a few weeks I noticed that XXXX was not applying the money it was collecting from my bank account. I called XXXX about it and I even faxed three times copies of my bank statement showing the money it collected.I also sent a certified mail with return receipt to XXXX XXXX with the copies of my said bank statement. They just ignored or disregarded my faxed messages and letter. They kept calling and emailing me. They also referred me to a collection agency who threatened to have judgment against me. Without coordinating their collection, efforts, XXXX and XXXX XXXX kept sending separate bills with late fees, high interest and different amounts without including the amounts collected from my checking account. XXXX XXXX   reported to the three credit bureaus that my account is delinquent. I filed a complaint with BBB and BBB said they have not responded.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2802110", "source": "cfpb", "group_id": "cfpb/4fd338b3102cac00a363", "variant": "clean", "length_bucket": "medium", "chars": 1231, "company": "SYNCHRONY FINANCIAL", "date_received": "2018-02-02", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "4fd338b3102cac00a3637a7a39dd2f205739be6bd13a324e55254112692b7e99", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made a loan 15 years ago to finance a boat with KeyBank. I have the contract which states that I must pay {$390.00} for 180 months. I have fulfilled that debt. Then at the end of my term, the bank sends me invoices stating that I owe {$1500.00}. But I can not get them to tell me what is the breakdown of that charge. \nI have already paid off the loan per my contract. There is not any late fees owed. In XXXX, I drove to XXXX Ohio from XXXX Ohio ( about 50 miles ) to talk to someone in person regarding this loan. I spoke to XXXX XXXX at XXXX regarding this matter .She promised to look into this matter, and get back with me. She never called me, and would not return my phone calls. I did finally get ahold of her boss, and he told me that he does not make adjustments at his bank. All this time, KeyBank continues to send me invoices stating that I owe approximately {$1500.00}. they continue to call me. I ask for a breakdown of that amount, andthey say that they do not have the resources to tell me what is the breakdown, or that they are just a call center in the XXXX etc. Finally about XX/XX/XXXX, I XXXX a sales and marketing manager who works for KeyBank in  XXXX ( about 4 hours away from me ) and his secretary provides a contact for me who is XXXX XXXX XXXX at XXXX. That was a long shot, but I finally got ahold of someone. XXXX states that she ca n't really give me a break down of the charges either, stating that she does not have the manpower to breakdown the loan either, and it is not an option that the loan department offers. So I have to ask, I have fulfilled my contract. I have paid 180 payments of {$390.00}. And I really need to know what is the breakdown of the {$1500.00}. I have a copy of my contract. I asked XXXX to not submit poor credit rating to XXXX while we are working on this matter. But she states in the email that she can not stop the poor credit reporting. I have credit over 800, and they are going to hurt my credit. I asked them to stop just while we work on this matter. I have fulfilled my obligation to the bank .I have the copy of my contract. The bank did give me my payment history, and I can see on their side that my payments have been made. So, I need to know the breakdown of the charges that make the {$1500.00} that they request. They ca n't tell me wither what is the breakdown. They state that they do n't have the manpower to do this. I am requesting that all credit reporting be stopped until we get to end of this matter.", "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": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2697301", "source": "cfpb", "group_id": "cfpb/0cb0612ddce01e7ce651", "variant": "clean", "length_bucket": "medium", "chars": 2489, "company": "KEYCORP", "date_received": "2017-10-10", "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": "0cb0612ddce01e7ce6513e2044bbf33eec2755285acb3968aac24ee33ef4c3c5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Mohela has incorrectly denied my PSLF application, provided incorrect and conflicting information, and failed to give me credit for payments that are eligible and qualified based on the limited PSLF waiver. I consolidated my loans in XXXX of 2022 and was transferred from XXXX to Mohela. It is important to note that prior to consolidation, I had 104 qualifying payments that had been processed and approved by XXXX. \n\nI consolidated under the terms of the waiver, which states \" Periods of repayment on loans before consolidation count, even if paid late or for less than the amount due '' count towards PSLF. ( Quoted from studentaid.gov, XX/XX/2022. ) According to a letter from Mohela dated XX/XX/2022, I was denied PSLF \" NOT ELIGIBLE : Based on our review, you do not have any eligible loan types. Under federal law, PSLF and TEPSLF are only available for loans made under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Direct Loans ). However, loans made under other federal programs may qualify if you consolidate them into a Direct Consolidation Loan. '' This is incorrect. Both of my loans are direct loans and qualify for PSLF. \n\nMohela further stated in that letter : \" Only payments you make on the Direct Consolidation Loan will count toward the required 120 qualifying payments for PSLF. '' This is also incorrect as I consolidated while the limited waiver was in effect. It directly contradicts the terms of the limited waiver and is obvious misinformation intended to mislead borrowers. I would not ordinarily ascribe nefarious intent to such misinformation, except that I then received multiple letters, all from Mohela referencing my account, that stated this same misinformation. \n\nOn XX/XX/2022, I received five separate letters from Mohela. In two separate letters, both dated XX/XX/2022, they said I still needed 119 payments to qualify for forgiveness. Again, by my count, I should have 115 qualifying payments. Two other letters, also dated XX/XX/XXXX, proclaim I am not eligible because I do not have any eligible loan types. \n\nA final letter states I am not eligible because I am not employed full time. \" NOT ELIGIBLE : According to the information you provided on your application, you do not meet the qualifications for full-time* employment. If we receive another certification of employment from another qualifying employer for all or a part of the time period listed on your application, we will determine if, together, your employment meets the qualification for full-time employment and determine if you have made the required 120 qualifying payments necessary for PSLF or TEPSLF. You must be working full-time for a qualifying employer at the time you apply for forgiveness and at the time the remaining balance on your loan ( s ) is forgiven. \n*Full-time means working in qualifying employment in one or more jobs : An annual average of at least 30 hours per week or, for a contractual or employment period of at least 8 months, an average of 30 hours per week ; or Unless the qualifying employment is with two or more employers, the number of hours the employer considers full-time; whichever is greater. '' I have been employed full time, working 35-40 hours a week, by a public school system for the past twelve years and prior to that I was a long term substitute teacher working 35-40 hours a week for a public school system. This employment information is unchanged from my prior approval by XXXX and no information is provided as to why my employment, which previously qualified, no longer qualifies. \n\nAs you can imagine, this erroneous and conflicting information has caused me great distress. Receiving one letter with such information may be a mistake but multiple such letters can only be reasonably seen as an deliberate attempt to mislead borrowers. \n\nI have attempted to call Mohela regarding these issues. On three separate calls, the number listed on their website resulted in a busy signal. The two times I was able to get through, I was told there was a wait time of an hour, and an hour and a half, to speak with a representative. There were no other options presented. Emails sent to their customer service center are unanswered. I am left with no recourse and no way to resolve issues. \n\nI would like this matter addressed and for my account to be reviewed in a timely and transparent manner, ultimately restoring to me the correct number of qualifying payments and processing my loan forgiveness.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6044041", "source": "cfpb", "group_id": "cfpb/5b13870e9f98798cd919", "variant": "clean", "length_bucket": "long", "chars": 4450, "company": "MOHELA", "date_received": "2022-10-03", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "5b13870e9f98798cd9193a3a4dab3de5fe92cd6926e636519a7f6a2a28a93591", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { AFNI XXXX } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. \nI have not given you written permission to put anything on my credit profile 15 USC 1681b2.\n\nYou have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. \nI AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { AFNI } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. \nI refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. \nThe reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. \nYou and your inaccurate reporting have damaged my livelihood. \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\nDuty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.\n\nPROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { AFNI } are a furnisher of information to a consumer reporting agency.\n\nYou ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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\nIn conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.\n\nThe continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.\n\nYou have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.\n\nYOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. \n\nDELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. \n\nAFNI Acct # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7038965", "source": "cfpb", "group_id": "cfpb/92af0d5bb8864ade6ac8", "variant": "clean", "length_bucket": "long", "chars": 4460, "company": "AFNI INC.", "date_received": "2023-05-29", "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": "92af0d5bb8864ade6ac80ed1c072197660b9c33b19487279c648db7daea1c037", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Since XXXX of XXXX, I've tried to access my Navy Federal Credit Union accounts and receive an error message each time saying my login is incorrect - doesn't recognize the user ID or password. Each time, I've had to call NFCU to get them to fix the problem. They'll usually reset my password and user ID credentials and the solution works for about a week, then it is back to the same problem. My complaint has been elevated to their Tier II service to no avail. They state they are aware of the problem but seem to be doing nothing to fix it. It is now XX/XX/XXXX and I'm still having difficulty accessing my account. The customer service rep states that I have full access to my accounts if I'll only visit a branch. The closest branch is XXXX hours away so not convenient. When I'm on the phone with NFCU, it usually takes several hours on the phone to get a person and resolve the problem, only to realize it is a temporary solution not a permanent fix. I've tried their mobile app as well as using my normal desktop access - each to no avail ; I get the same error message each time. When we set up our trust with NFCU, they obliterated my savings account that I'd had since XXXX and sent the balance somewhere else. Took 2 years to track that down, but they still couldn't really \" find '' the money. Everything done was haphazard. The customer service reps, while understanding, don't seem to care. This isn't their money. I am a shareholder in this company, so that means employees answer to me. This isn't a commercial bank. This is a credit union owned by the membership. If they are aware that there is a problem with their software update in XX/XX/XXXX, why haven't they fixed it? Why wasn't there a backup of their old system in case of issues just like this? Why didn't they fully test their new update on a separate LAN/WAN before rolling it out nationwide to ensure no bugs were in the system? That's called configuration control and NFCU apparently has none. As a former IT manager in the Federal government, this is the worst software upgrade I've ever seen and totally mismanaged. I am tired of not being able to access my accounts and having to waste countless hours for a temporary fix that only lasts about a week. Totally unsat.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8793034", "source": "cfpb", "group_id": "cfpb/da869d5a944884eeea65", "variant": "clean", "length_bucket": "medium", "chars": 2250, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2024-04-17", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem accessing account", "text_sha256": "da869d5a944884eeea655f9bee4a3c5bef5ea03b046f0d713b17c20d0698bfb4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2909690", "source": "cfpb", "group_id": "cfpb/8e667b7bc9f53a94a640", "variant": "clean", "length_bucket": "medium", "chars": 1426, "company": "CL Holdings LLC", "date_received": "2018-05-17", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "8e667b7bc9f53a94a6409cd607407ed60d4df4fc4c30b1cfc34c259e1bcc1aa1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am again filing a complaint against Sallie Mae regarding a student loan I obtained in XX/XX/XXXX for a course from \" Court Reporting and Captioning at Home. '' I initially applied for this loan because I was led to believe the course would take only a few months to complete, allowing me to start earning an income quickly. My mother and I spoke with the courses main instructor, who mentioned completing the training herself in XXXX months. I expressed my goal to beat her timeframe, and she encouraged this without ever mentioning that the course generally takes XXXX years to complete. Given her experience and positive responses, we were confident in proceeding with the loan. However, I quickly discovered that the course was far more involved than expected, consisting primarily of memorization and requiring significantly more time than the instructor suggested. \n\nAs someone with XXXX XXXX ( XXXX ), a rare autoimmune and XXXX XXXXXXXX with XXXX  challenges, extensive memorization is highly difficult for me. I had not worked since late XXXX due to this condition, and I would not have taken out this loan had I known what the course truly entailed. Additionally, the course was described as offering \" unlimited support, '' but the support I received was unhelpful, only reiterating material from the textbook rather than clarifying it. \n\nAfter contacting the course provider, they were defensive and denied any misrepresentation. I then contacted Sallie Mae to explain both my health situation and the misleading information I received from the program. Sallie Mae representatives suggested I file a Total and Permanent XXXX ( TPD ) application, assuring me that my loan would likely be canceled if I submitted proper documentation. Despite following their instructions and submitting all requested medical information, including an MRI showing a skull-base mass, Sallie Mae declined my request twice. \n\nIn their response, Sallie Mae claimed that I was not considered TPD based on Minnesota XXXX physician statement and added that they are not responsible for the quality of the educational program or any alleged misrepresentation made by the school. They also stated that, per the Promissory Note, the loan is due regardless of dissatisfaction with the program. I find this response inadequate for several reasons : ***Misrepresentation by the Program : The course instructor did not clarify that her accelerated timeframe was exceptional or warn us that the program would typically require XXXX years and heavy memorization. This critical omission directly influenced my decision to take out the loan. An email from the instructor stated, I have not known anyone who has been able to complete their training in XXXX months as you suggest, except myself who many years ago learned a theory that was not realtime... I could practice around the clock, literally XXXX hours a day most days. I almost burned out. I wouldnt even recommend it to anyone who could practice that many hours. It was grueling. '' Her statement affirms that she misled us, as we did not have the full picture when deciding on the loan. \n\n***Impact of Health Condition : Since XX/XX/XXXX, I have been actively working with disability representatives to pursue assistance. My eye doctor initially assured me that my condition would qualify me for disability. I have since submitted all requested documentation, and most recently met with a psychiatrist as directed by the disability office. While this psychiatrist confirmed that my diagnoses align with disability requirements, he informed me that, due to my age, it would likely be challenging to secure approvala policy that I believe is discriminatory. My age should not hinder access to disability support when my health conditions, including XXXX, severe neuromuscular spirometry weakness, and Chronic Restrictive XXXX XXXX ( a condition severe enough to be considered a disability itself ), have rendered me unable to work. \n\n***Request for Reconsideration : I am entirely unable to pay off this loan because my health conditions make it impossible to work. The additional stress from XXXX XXXX lack of accommodation and refusal to release me from this loan could further jeopardize my health. My situation requires both understanding and flexibility from Sallie Mae, as I am currently unable to receive adequate treatment. I have contacted the school to explain my situation, speaking with both the Assistant Director of XXXX & XXXX Affairs ( XXXX XXXX XXXX and a representative from the XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ). XXXX XXXX mentioned speaking to Sallie Mae on my behalf ; however, I am concerned that he may not accurately represent my situation, as he seemed to believe my decision was XXXX of unwillingness rather than inability. I reiterate that I am physically unable to continue in the program due to my health, and I request that my circumstances be considered fully. \n\nI respectfully request the CFPBs assistance in my case, taking into account the programs misrepresentation and the significant impact of my health. I would be grateful if the CFPB could advocate on my behalf with Sallie Mae to work toward a resolution that will release me from this loan obligation. Thank 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": "student_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/10617149", "source": "cfpb", "group_id": "cfpb/787b33347302ae74d23e", "variant": "clean", "length_bucket": "long", "chars": 5276, "company": "SLM CORPORATION", "date_received": "2024-10-29", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "787b33347302ae74d23eae19b20b5e5fc8b43c927499c2af01a6a3f28eadfe51", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I want the dispute for the following XXXX {$XXXX} New XXXX {$XXXX}, {$XXXX} XXXX XXXX {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX} XXXX XXXX XXXX {$XXXX}, {$XXXX} {$XXXX} XXXX {$XXXX} XXXX {$6.00} On Tue, XX/XX/XXXX, XXXX XXXX   Chat Transcript XXXX wrote : Chat Transcript with XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, XXXX XXXX ( XXXX ) ( XXXX ) *** XXXX XXXX joined the chat *** ( XXXX ) XXXX XXXX : still getting unauthorized charges ( XXXX ) Welcome to Current Support : Thanks for reaching out! Please note, if you are attempting to dispute a charge on your card please have information related to the transaction ( s ) in question ready so we can assist you as quickly as possible. We appreciate your patience and a team member will be with you shortly ( XXXX ) *** XXXX joined the chat *** ( XXXX ) XXXX : Hi there, thanks for getting in touch. Please clarify your concern so I can better assist you ( XXXX ) XXXX XXXX : i contacted support days ago about unauthorized charges ( XXXX ) XXXX : Can you please verify your name and your DOB so that I can pull up your account? \n( XXXX ) XXXX XXXX : and i have been receiving more charges ( XXXX ) XXXX XXXX : XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX ( XXXX ) XXXX : Would you please share with us the date, amount, merchant name, and receipt ID you're referring to? Thank you! \n( XXXX ) *** XXXX left the chat *** ( XXXX ) XXXX XXXX : the new charges are from XXXX, XXXX XXXX, XXXX, XXXX, and more from XXXX ( XXXX ) XXXX XXXX XXXX joined the chat *** XXXX XXXX XXXX XXXX XXXX : Hi there, thanks for reaching out! Please give me 2-3 minutes to review your account ( XXXX ) XXXX XXXX : Hello. How may I help you today? \n( XXXX ) XXXX XXXX : my money is disappearing off my account you are third person i talk to. What is being done? \n( XXXX ) XXXX XXXX : I see. Do you have a unauthorized transaction in your account? \n( XXXX ) XXXX XXXX : can you get someone to call me ( XXXX ) XXXX XXXX : Unfortunately, our phone support line is temporarily unavailable so we can ensure the health and safety of our team. We are still here to answer your questions, so please let us know your concern in a reply here and we will be more than happy to assist you. Thanks for your understanding! \n( XXXX ) XXXX XXXX : I can help you to file a dispute for unauthorized transaction that you have in your account. \n( XXXX ) XXXX XXXX : i jut gave my info to XXXX and we where disconnected. \n( XXXX ) XXXX XXXX : Got it! Do you want to file a dispute for this unauthorized transaction? \n( XXXX ) XXXX XXXX : Are you still there? \n( XXXX ) XXXX XXXX : do you have any info on unauthorized transaction that i have already disclosed. if not i woujd like to close thi account XXXX XXXX XXXX XXXX XXXX : Unfortunately! I haven't see any information here that you disclosed. Can I have the transaction number, please? So that I can help you to file a dispute and get your refund as well. \n( XXXX ) XXXX XXXX : Are you still there? \n( XXXX ) XXXX XXXX : close my account because your company is wasting my time. why would i do this again if nothing is being documented or done about money disappearing from my account ( XXXX ) XXXX XXXX : Upon checking here! You have a settle and pending transaction in your account. You also have a declined transaction in your account because of insufficient balance. \n( XXXX ) XXXX XXXX : that's because of all the unauthorized transactions ( XXXX ) XXXX XXXX : i reported charges last week ( XXXX ) XXXX XXXX : We can't file a dispute for a pending and declined transaction. All we can file for a dispute is a settle transaction. So you want me to proceed on filing a dispute on settle transaction in your account? \n( XXXX ) XXXX XXXX : yes ( XXXX ) XXXX XXXX : all of the transactions after XXXX by XXXX ( XXXX ) XXXX XXXX : I only see here that you disclosed is this one : mfgfi, new molino, gregorian, XXXX, and more from globebillpay. You disclosed this to XXXX. \n( XXXX ) XXXX XXXX : all unauthorized ( XXXX ) XXXX XXXX : Okay. One moment please. \n( XXXX ) XXXX XXXX : also XXXX ( XXXX ) XXXX XXXX : Okay. I will help you file a dispute for settle unauthorized transaction in your account. Just to remind you that the card will be deactivated once dispute is filed due to unauthorized transactions to protect the account for future unauthorized charges. We need to replace your card after filling a dispute. \n( XXXX ) XXXX XXXX : converge ict ( XXXX ) XXXX XXXX : ok ( XXXX ) XXXX XXXX : Got it! I will now proceeding on filing a dispute. One moment please. \n( XXXX ) XXXX XXXX : there are several charges ( XXXX ) XXXX XXXX : Okay. I'm working on it right now. \n( XXXX ) XXXX XXXX : for all charges after sals by XXXX ( XXXX ) XXXX XXXX : Okay. Got it! Already filing a dispute for that! \n( XXXX ) XXXX XXXX : ok ( XXXX ) XXXX XXXX : Is it okay if I ask you some questions? \n( XXXX ) XXXX XXXX : ok ( XXXX ) XXXX XXXX : you there XXXX XXXX XXXX XXXX XXXX : Thank you! Do you recognize the transactions? \n( XXXX ) XXXX XXXX : no ( XXXX ) XXXX XXXX :?? \n( XXXX ) XXXX XXXX : Are you in the possession of your card? \n( XXXX ) XXXX XXXX : yes ( XXXX ) XXXX XXXX : Did anyone else have access to your card and your PIN? \n( XXXX ) XXXX XXXX : no ( XXXX ) XXXX XXXX : Where do you keep your PIN? \n( XXXX ) XXXX XXXX : it's not written down ( XXXX ) XXXX XXXX :?? \n( XXXX ) XXXX XXXX : you there ( XXXX ) XXXX XXXX : Yes. Thank you for providing some information that we needed. \n( XXXX ) XXXX XXXX : ok ( XXXX ) XXXX XXXX : Thanks for your patience. I've submitted your dispute for investigation. Any provisional credits you qualify for will be applied to your account if our investigation takes longer than 10 days. Our team will reach out to your email on file with any updates on your dispute as well. \n( XXXX ) XXXX XXXX : I will now proceed on replacing your card so that we can avoid unauthorized charges in the future. \n( XXXX ) XXXX XXXX : whats the confirmation number ( XXXX ) XXXX XXXX : and whats your id number? \n( XXXX ) XXXX XXXX : You can received an email to us regarding the dispute that we file. Don't worry about that. I will now replace your card with a new one. One moment please. \n( XXXX ) XXXX XXXX : Can you verify your mailing address, please? \n( XXXX ) XXXX XXXX : the other person said they ordered a new card ( XXXX ) XXXX XXXX : Unfortunately! I haven't see here that she/he reorder a new card for you. So I need to reorder a new card for you. Can you verify first your mailing address, please? \n( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX : XXXX Virginia XXXX ( XXXX ) XXXX XXXX : Got it! I already reorder a new card for you. Card delivery will take 7-10 business days. \n( XXXX ) XXXX XXXX : Is there anything else that I can help you with today? \n( XXXX ) XXXX XXXX : can you give me a confirmation number? \n( XXXX ) XXXX XXXX : You will receive an email regarding the dispute that we already file. I'm sorry but we can't give you that kind of information. \n( XXXX ) XXXX XXXX : Don't worry our team will send you an email confirmation regarding the dispute that we already file. \n( XXXX ) XXXX XXXX : Are we all good for now? \n( XXXX ) XXXX XXXX : and you disputed all the charges ( XXXX ) XXXX XXXX : Yes. I disputed all the charges after XXXX by XXXX as you said earlier. Don't worry about that, XXXX! \n( XXXX ) XXXX XXXX : Is there anything else that I can help you with today? \nXXXX XXXX XXXX XXXX XXXX : Are you still there? \n( XXXX ) XXXX XXXX : no thank you. hopefully i will not have this problem again. this is very stressful XXXX XXXX XXXX XXXX XXXX : Yes. Don't wrorry about that! I'm really glad that I help you today. \n( XXXX ) XXXX XXXX : Thanks for choosing Current and chatting with us. I hope you have a great rest of the day! \n( XXXX ) *** Chat Rating request has been sent. XXXX XXXX XXXX XXXX XXXX XXXX : have a great day ( XXXX ) *** XXXX XXXX has rated the chat Good *** ( XXXX ) *** XXXX XXXX left the chat *** ( XXXX ) *** XXXX XXXX left the chat *** NAME XXXX XXXX EMAIL XXXX PHONE XXXX LOCATION XXXX XXXX, Maryland, United States XXXX XXXX Chat XXXX XXXX DEPARTMENT Dispute a Charge SERVED BY XXXX XXXX XXXX XXXX RATING Good COMMENT Are you using XXXX Chat yet? Sign up free today", "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/4183646", "source": "cfpb", "group_id": "cfpb/5c2ceb378d50b2589eda", "variant": "clean", "length_bucket": "long", "chars": 8239, "company": "FinCo Services Inc DBA Current", "date_received": "2021-03-04", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "5c2ceb378d50b2589eda7e1ae0d1678ce6626617e14bae17a70ab8bb8da89b8f", "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 in XX/XX/XXXX, financed through GMAC and transferred to Ally Financial. I paid the vehicle off making final payment in XXXX and never received title. I moved from XXXX  to XXXX  in XXXX and requested title from Ally in XX/XX/XXXX, provided mailing address and was told 7-10 days. XX/XX/XXXX i still hadnt received title, called and was told it was lost in the mail and I would need to pay for replacement an amount in the {$300.00} range I requested release of lien and was denied as I refused to pay the {$300.00}. I then mailed letter from DMV,  original inspection report, application and a money order {$190.00} for XXXX registration fees to Ally and requested title be transferred with lien so the vehicle could be registered, and still today this has not been done. I have made several calls to Ally requesting transfer and title and I an told no due to an account balance but no one could ever give me a balance. Each call I initiated at least four, I am told title will be requested receive in 7-10 days and nothing, when I follow up there is a balance due but no amount. XX/XX/XXXX I mailed again the DMV letter, originsl application, and {$190.00} for DMV fees requesting again title be transferred. I initiated contact at least 4 times since then always told I need to pay a balance without an amount. XX/XX/XXXX, after I demanded someone resolve this issue and provide details, i was transferred to Collection department who told me no record of amount, but there is s balance due and someone would contact me in 3-5 days, never received contact. The vehicle has been sitting all this time as it can not be registered, with the exception of 2-21day use permits in XXXX and currently a 21 day use permit that expires XX/XX/XXXX. On XX/XX/XXXX I filed a complaint with XXXX, XX/XX/XXXX received message from Executive Services department, returned call with message on XX/XX/XXXX and again on XX/XX/XXXX. XX/XX/XXXX received call and spoke with agent regarding my complaint. Provided details of my complaint and requested resolution including the title to my vehicle or a release of lien. During this conversation I provided details and VIN for the car so he could pull up the title information. He mentioned the same as all previous agents that there wasnt a balance he could see either. He stated he would contact his title department and get back to me. XX/XX/XXXX and XX/XX/XXXX he left message for my return call while I was at work. XX/XX/XXXX I returned his call and he informed me that the title was never sent because there was a balance due, I dont recall exact amount but in the {$1700.00} range. I disputed and asked for what and was told from the original balance. I asked for details and he told me he couldnt send what he had but could put something together. He then said that they received my request to transfer title with lien in XX/XX/XXXX, but they didnt, and they mailed me a letter XX/XX/XXXX explaining they needed the original application. He confirmed the letter was mailed to the wrong address, and confirmed he had the right address. I told him it was the original that was sent as well as the original inspection report and a money order for {$190.00} for registration fees. He could not confirm they had the physical documents sent due to the time period only that the system note said it was not the original. He said more than likely they no longer have the inspection report or money order either. He confirmed the numerous attempts Ive made to resolve and told me that no one could ever pull the information and provide the details due to the age of the account. He indicated the audio from past calls where I was told it was sent and there was no balance due were no longer available, and all he had was the notes he could find. He stated the information was hard to find and piece together. And, the balance had been turned over to numerous collection agencies over the years. He stated they did not have access to full the details due to the amount being charged off, and in order to obtain the title I would have to pay the amount due to an outside agency as they were no longer able to collect the payment. I told him I did not agree with the balance and that the last payment was made XXXX, and I never received a call, a letter or notice of the debt until now, with the exception of just being told there was a balance due. He said he would contact the title department to see what else he could do and find out if they had original documents to transfer the title so I could register the vehicle. The vehicle has sat for all but two months since XX/XX/XXXX when I operated the vehicle with 3 separate 21 day use permits. These permits each cost {$32.00}. The vehicle needs a full inspection as belts are squealing, tires, and fresh fluids as a direct result of sitting and currently is my only vehicle. The use permit expires XX/XX/XXXX. After 8 years since last payment, and 6 years of initiating contact myself numerous times I am told to pay a balance still owed from original debt based on the notes and information he could find over the past 15 days, that the account was charged off, that they received my request to transfer in XXXX but didnt transfer, that they mailed the correspondence to the wrong address even though they had the right one, and that they couldnt collect the payment for the title they hold. I dont agree there is any amount due and to wait 6 years to be given a random dollar amount and explanation of their negligence 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": "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/3440202", "source": "cfpb", "group_id": "cfpb/cf062776957d762c2284", "variant": "clean", "length_bucket": "long", "chars": 5539, "company": "ALLY FINANCIAL INC.", "date_received": "2019-11-16", "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": "cf062776957d762c228458af0842e599bfcde2ccdce705a030a229d3dc775777", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Notice is hereby given to XXXX Goldman Sachs Bank, APPLE CARD that on or about XX/XX/XXXX, APPLE CARD CASE # XXXX was open without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account with GS Bank, account number XXXX, dated opened on XX/XX/XXXX. \nPlaintiff/Affiant requests that GS Bank immediately close the Fraudulent Account and cease reporting it or any information relating to it to any consumer reporting agency. \nNotice is also hereby given to the major consumer reporting agencies, XXXX, XXXX, and XXXX, that on or about XX/XX/XXXX, without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account. \nPlaintiff/Affiant requests that the consumer reporting agencies investigate the Fraudulent Account and any inquiries relating to it, and block any information regarding the Fraudulent Account from appearing in Plaintiff/Affiant 's consumer reports.\n\nPlaintiff/Affiant 's personal identifying information, including but not limited name, address, date of birth, and Social Security number were compromised and used without consent to open the Fraudulent Account.\n\nPlaintiff/Affiant certifies that they did not authorize the Fraudulent Account and is a victim of identity theft as defined by 15 USC 1681c-2 and 12 CFR 1022, Regulation V.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9145425", "source": "cfpb", "group_id": "cfpb/7ab18eb31776b5554258", "variant": "clean", "length_bucket": "medium", "chars": 1496, "company": "GOLDMAN SACHS BANK USA", "date_received": "2024-05-31", "product_raw": "Credit card", "issue_raw": "Getting a credit card", "sub_issue_raw": "Card opened without my consent or knowledge", "text_sha256": "7ab18eb31776b55542589d5226d5d9e3af4bef691aaa9897ea663996a23891f2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent a wire transfer through my Chase bank account ( online ) on XX/XX/2023 for {$210.00} to XXXX XXXX XXXX. The company has told me that they did not receive the money. Chase has repeatedly told me that the money was sent.\n\nAccording to Chase, the recipient received the money two days after it was sent. However, you can see in the email dated XX/XX/XXXX from the travel company that they still had not received it. I have still not heard that they have received anything, and as you can see in their email, they said they would let me know if they ever received money. I will now have to send money via another method because I am afraid they will cancel my tour without a deposit. \n\nWhen I spoke to Chase on XX/XX/XXXX, I was told that a letter was mailed to me confirming the wire transfer and I would receive it within 3 to 5 business days. I asked for it sooner and was told they would try to expedite it to be sent via the secure messaging center on the website. I waited until today, XX/XX/XXXX, and called again and was told that they can see that although a request was made to expedite it, it had not been expedited and the request had not been read. I have not received a letter in the mail and today is the fifth business day ( I have already received todays mail ). \n\nI have spent several hours today on the phone with Chase calling multiple times today. First I called to speak with the wire department who basically said there was nothing they could do for me. Then I called back and asked for supervisor. She challenged me when I said that I had no proof that the transfer was made and said I should contact the recipient and have them prove that they never received it. That is ridiculous! If Chase has made a wire transfer with my money they should be able to provide evidence that it was done. She told me to look at my statement for proof. As you will see in the attached screenshot of my statement it shows that they took the money and the description includes the recipient but it is not proof to me that they actually sent the money via wire transfer. I see a TRN #, but I have no idea what that is and nobody would explain it to me. Then she told me to go into a branch to get a copy of the letter confirmation of the transfer. \n\nI looked for appointment for all of the local branches and they are booked until mid-next week. ( But it doesn't matter anyway because I was later told by someone else at Chase that this letter doesn't even exist ). Then I contacted Chase support via social media and they said I should contact the claims department. I called the claims department who eventually rerouted me back to the wire transfer department. Once again I was informed that there is no way to provide any kind of letter proving that the transfer was made. \n\nI called the claims department back and said I wanted to file a claim for my missing money. It took about 30 minutes to convince her that my problem was worthy of filing a claim. After she took all of my information she informed me that there was no button to click for a wire transfer claim unless I said that I did not initiate the transfer. Since I did, she said there is nothing else I can do for you and then hung up. \n\nAll I know is that Chase took {$210.00} from my checking account. They never confirmed that a wire transfer was sent XXXX XX/XX/XXXX and only put a wire transfer description in my statement. They refused to provide me with any evidence that the transfer was made. The recipient insists that they did not receive it. This is a very large travel company that has no reason to lie about {$210.00}, especially since the remaining {$2100.00} will be paid upon my arrival. I do not know what to do to get my money back from Chase because they have essentially stolen from me without providing any evidence of what was done with it and the recipient did not receive anything. The burden of proof that a wire transfer was sent should not be put on recipient the sender should be able to provide proof of the transaction! I hope you can help me get my {$210.00} back because I now have to go and send another wire transfer elsewhere for another {$210.00} or else my tour will be canceled. So I am out the {$210.00} that Chase stole form 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/8499152", "source": "cfpb", "group_id": "cfpb/a62625661b370199d363", "variant": "clean", "length_bucket": "long", "chars": 4251, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-03-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "a62625661b370199d363dd22496df07e8a43e2be2b0f8b5dd0e2a624c9a4b9b2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On my XX/XX/2018 my partner and I decided to proceed with the Loan assumption to be under my name XXXX XXXX XXXX XXXX, for the house located at XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX. Normally the assumption process take 1 to 3 months according to the Mortgage company. on XX/XX/2018 the loan assumption got approved and my partner XXXX XXXX should be removed from the loan # XXXX from Nations Direct Mortgage. I call on XXXX to find out when the new bill under my name of XXXX XXXX XXXX XXXX will arrive, but XXXX XXXX, she told me I had to wait until the mortgage get recorder onto the Credit bureaus report which happen every XX/XX/XXXX of each month, that is mean they will update my information on the XX/XX/XXXX so it will recorder as a new loan owner, but did not happened, I call again to find out on XX/XX/XXXX and again XXXX told me it is missing documents so she can not summited to the credit bureaus and I have to submitted the Home insurance policy again and after she received she told me that I have to wait another month that is mean XXXX no later than XX/XX/XXXX so Direct mortgage can update all my information in their system. I been call several many time and no answer I received anybody avoid my call or does not want to answer why is taking so long to transfer my name to the loan. I am victim of discrimination and power abuse for part of the Nations direct mortgage located XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , IL , XXXX telephone XXXX because even do the Underwriting and the Direct Mortgage approved the loan on XX/XX/2018 I still paying my house and no Manager, no supervisor, no customer services return my call and I don't know what happened until now, why they are delaying to change the loan to my name,", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3093589", "source": "cfpb", "group_id": "cfpb/cde163ba7f59c6eb180f", "variant": "clean", "length_bucket": "medium", "chars": 1744, "company": "NATIONS DIRECT MORTGAGE, LLC", "date_received": "2018-12-06", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "cde163ba7f59c6eb180f04ed3fb802d1163b45eabd1ba3e81d8205437054233c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Our mortgage was sold to Select Portfolio Servicing and during the transition of the loan to them a type was made on my last name inputting a \" XXXX '' instead of an \" XXXX ''. My wife 's name is entered correctly. I have called the company multiple times and have been advised that the issue will be corrected on my next statement. The next statement comes and my last name is still spelled incorrectly. I have spoke to consultants and supervisors who have all viewed my loan documents and have confirmed the error on their end and guarantee it will be corrected. This causes me to receive a tax form every year due to the mis-spelling. All I want is someone to correct the spelling to what is reflected on my wife 's name and on my loan documents, it should not be this difficult and require multiple calls and it is still not 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": "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/3133520", "source": "cfpb", "group_id": "cfpb/2bb610f058d49c490271", "variant": "clean", "length_bucket": "short", "chars": 839, "company": "SELECT PORTFOLIO SERVICING, INC.", "date_received": "2019-01-25", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "2bb610f058d49c4902712523b762a77ae08a7cd13071c4da31c81ed468b2f4cc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "They dodged the issues responding to what they told me via email, stating that my account was closed a month earlier and they had sent me the excess amounts in the form of a check. Then in a phone call, recorded by me, they gave an illegal, lacking Candor of an answer ... then they did not unrestrict my account, bc after 24hrs they restricted it and still to this day have NOT let me see my last 3 statements as required by law. Also, she says I did 8 fraud charges of which I called them back myself and corrected them, and it wound up being 1 claim, so thats a 4th lie of theirs ive addressed. Then I deposited {$630000.00} into XXXX XXXX, {$220000.00} into XXXX XXXX XXXX, please ask for this evidence, and please ask for my emails showing they were mailing me a nonexistent check, and then ask for the email where this same bank executive said she didn't care about me filing a complaint about them not providing me viewing access or statements of my account because she said you all had no authority to order them to do anything. I can back all of this up by faxing or electronically filing these emails and phone recordings and I have a second party, that was on the phone recording, willing to sign a Legal Declaration. If as this bank said, you all have zero authority to make them show my statements for the last 3 months of account, when the only funds that went in there was mine and my wife 's social security XXXX, which the lady said was only illegal for them to keep, chuckled and said but I'd have to prove that ... well, I'll chuckle now, and say that I can ... if you all have no authority, let me know, so I can transfer funds from one of trust savings to pay initial filing fees in my county, since the Federal Interstate wires and phone calls started in Alabama and would justly be the Jurisdiction ... if you have no authority to make them show me my banking info, then tell me so I can go the legal process. I was with them for 7 or 8 years and bc I'm a minority and XXXX, they think they can trample all over me. Is that so CFPB or can you all help the screwed over by a financial institution, minority XXXX person, as well, my wife is a minority and gets 100 % VA XXXX XXXX XXXX for XXXX and MST and my wife said Customers Bank was worse than the XXXX abuse the military put her through. They locked up what little we had and I was unable to get my meds and infusion and they would literally tell me you are with XXXX, a company of ours and need to speak with them. I'd speak with them and they'd say we can not tell you anything bc Customers Bank has it locked to where we can't even see it, you'll need to call them. This went on for 2 months. They told me 3 months ago that I owed them XXXX cents but they just took the loss, then they just sent me a bill, no statements saying I owed them lots of money by XX/XX/XXXX. Though I'm still awaiting the check they said they sent when they closed my account. I owe, then I don't owe, then I know they owe me bc XXXX just put XXXX refunds within that account. If in writing and in a recording, I only owed XXXX cents and they lied saying I had a check sent, which I'll happily provide proof of, which you all don't allow me, but allow the white folk, not us minorities ... but if I only owed XXXX cents and they XXXX  that out and I've gotten more refunds from XXXX since that call and email, why have I yet to see any check?? I'll answer, bc they think us XXXX minorities are scum, and that you all have no authority as they've stated or bc you all are too beholden to them. I'll await whether to do an initial court filing to get answers you all can't, but im gon na file a complaint with XXXX XXXX 's office since we have 9 inherited properties in California and with XXXX XXXX XXXX 's office since we inherited my grandma 's home in Massachusetts. I may be a XXXX XXXX that was poor as XXXX before she died on XX/XX/XXXX, but I sure as XXXX am not gon na let this XXXX  bank executive lie with impunity. You are a federal agency and under federal law, it is unlawful to tell you all the truth ... ive just laid out 5 lies they've told. When you all request, I'll attach, fax, or overnight any and all evidence. Phone calls are too big to email, but I'd gladly put them on a XXXX XXXX and overnight so you can hear the disrespect for you all and minorities, me, that she, the bank executive has ; as well as her lack of care, knowledge of Federal Law, or knowledge and not caring. As for transparency, I must state that my brother was an asst US Attorney under the XXXX  administration. My brother told me to be transparent as to where I was getting contact info and possible legal advice 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/4023171", "source": "cfpb", "group_id": "cfpb/7339710fb5ee26001351", "variant": "clean", "length_bucket": "long", "chars": 4671, "company": "CUSTOMERS BANCORP, INC", "date_received": "2020-12-20", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem accessing account", "text_sha256": "7339710fb5ee260013510c067efa967df172b623f5adf7bd95b5f9456eb67d20", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "RP Funding accounting of my escrow account continues to be erroneous. I am NOT asking for a recitation of all of the past matters. Fix the math. See attached escrow balance. There is an error of {$25.00} in the math of RP Funding. A full accounting of all payments is attached and below. \n\nDate Description Memo Payment Amount Escrow Balance BALANCE XX/XX/XXXX XXXX XX/XX/XXXX Opening Balance XXXX XXXX XX/XX/XXXX Escrow Funding from Closing XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Property And Casualty Payment Erroneous payment by RP Funding XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX BALANCE XX/XX/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/4407698", "source": "cfpb", "group_id": "cfpb/ee80c75df9e0bf5d9019", "variant": "clean", "length_bucket": "short", "chars": 954, "company": "Mortgage Lenders Investment Trading Corp", "date_received": "2021-05-26", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "ee80c75df9e0bf5d9019be139bdbc739373277d837547aec3e5de92f0c44f6be", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2018, XXXX and XXXX XXXX car was broken into at XXXX. It was parked in the driveway which has floodlights illuminating it. A debit card and a credit card were in the vehicle. No PIN was in the wallet that was taken with the cards. The home security camera captured the act. It looks like it was a teenager who broke in. \n\nThe theft was discovered at about XXXX the next day. Upon discovering the theft, the stolen card was cancelled online. XXXX XXXX ( joint accountholder ), whose card was stolen was told by USAA to wait until all the charges were processed to file a claim and only the transfers showing on XX/XX/XXXX, were noted by XXXX. \n\nThis theft itself was immediately reported to the XXXX Police Department and to USAA. {$700.00} in charges were placed on the debit card at several local XXXX overnight. \n\nUSAA called approximately a week later to allow all the charges to process and asked questions of XXXX on a 5-minute phone call. They asked if the PIN was written on the card or was it in the wallet and asked, if needed could a police report be provided? The investigator was told the PIN was not present and a police report was made and would be sent when made available by the police, but the investigator said, Im just making sure if I need it that you can provide it. She asked if the car was parked in the driveway or out front and asked, how do you even know it was stolen? That is when she was advised of the home security system and we offered video. \n\nWhile we understand the presence of the PIN would have made transactions easier for the thief, that fact can not be used in determining liability under Reg E, Commentary 6 ( b ) 2. Regardless, the PIN was not there but this was a key ( 33 % of the factors ) in the decision to deny the claim, thereby increasing liability to the consumer, ironically because it was not present. Had it been written on the card USAA could not have used no failed PIN attempts as a reason to deny the claim, so this security measure is used against the consumer. See bullet 2 below. \n\nXXXX video shows a teenager, possibly the same from our home camera, with who could be his mom, using the card. These videos, stills, and the police report were provided USAA even though they were not requested by them. The USAA investigators we spoke with when we called them seemed oblivious to the fact that we had sent them electronically. We do not believe these were reviewed. ( More on that below. ) USAA paid the claim provisionally but later rescinded that credit and denied the claim. Upon receiving written notification that the credit would be rescinded XXXX called USAA and discussed the facts of the case. He understood the investigator to say they would try to recall the provisional credit debit and extend the investigation, but that did not happen. USAA proceeded on its course. \n\nOn a 3-way call between USAA, XXXX XXXX ( XXXX XXXX, who is on the account ) had the claim elevated for a higher review. USAA did not reopen the claim according to them but reviewed it at the highest level, they said. On another 3-way call we ascertained from the investigator/reviewer why the claim was denied. It seems they use a checklist reminiscent of OCC Advisory Letter 2001-9 ( now rescinded ) and noted three factors in this denial : 1. The card has a history of use at XXXX. \n2. There were no failed PIN attempts.\n\n3. There were no attempts to use the card after it was reported stolen. \n\nHad USAA asked questions of us during this investigation these points may have been discussed and better understood, but as noted USAAs conversation with us were sparse and short. They did not appear interested in these facts : 1 - XXXX is the worlds largest retailer, and XXXX works for XXXX. It would be expected to see the card used by thieves there due to its size and practices of customer satisfaction. That also explains the pattern of usage, although XXXX does not regularly shop at one of the stores the thieves used. \n2 - PIN requirements vary by store as some are diligent about requiring a PIN while others are not. This is based on discussions with a few store managers. No one we spoke with knew who set this policy or if it rotated or was based on chargebacks/losses, the card, etc. XXXX said his XXXX store rarely requires a PIN, although his store was not one in question. An employee of the XXXX XXXX store where thefts did happen said sometimes PINs are required on a {$4.00} purchase but not on a {$100.00} purchase. It is required sporadically and the criteria is unknown as to when it is required. \n3 The thieves depleted all available funds on their last transaction. There was no more money available and they may have been aware of this or simply knew they have a limited time period to use a stolen card and may have moved on.\n\nThe primary objective of the Electronic Fund Transfer Act and Reg E is the protection of individual consumers engaging in electronic fund transfers. Section 909 ( b ) of the EFTA establishes that the burden of proof is on the financial institution to show that the transaction was authorized. We maintain Reg E requires the bank to prove the consumer completed the transaction, authorized it or benefited from it. The degree of proof is not stated, but we feel USAA has not reached any reasonable burden of proof. \n\nAn \" unauthorized EFT '' clearly includes instances when the access devise was obtained by fraud or robbery. From the commentary : \" Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' An access device clearly includes a debit card. From the commentary : \" The term access device includes debit cards, personal identification numbers ( PINs ), telephone transfer and telephone bill payment codes, and other means that may be used by a consumer to initiate an electronic fund transfer ( EFT ) to or from a consumer account. '' An \" unauthorized EFT '' is clearly included in the definition of an \" error '' that must be investigated under 1005.11 : \" ( a ) Definition of error. ( 1 ) Types of transfers or inquiries covered. The term error means : ( i ) An unauthorized electronic fund transfer '' 1005.11 ( c ) requires an \" error '' to be corrected within one business day after determining that an error occurred : \" The institution shall correct the error within one business day after determining that an error occurred. '' The only thing in Regulation E that is not clear is how the bank is to conduct their investigation and make a determination. That said, the camera evidence seems to provide 100 % proof that this is an \" error, '' because it is an \" unauthorized EFT '' because the access devise was obtained through \" robbery or fraud. '' Reg E extends protections to the consumer. USAA must comply with the Reg E requirements when any oral or written notice of error from the consumer : Is received no later than 60 days after the periodic statement is sent or provides the passbook documentation on which the alleged error is first reflected ; Enables the bank to identify the consumer 's name and account number ; and Indicates why the consumer believes an error exists and includes to the extent possible the type, date, and amount of the error. \n\nCertainly we went above and beyond this providing video, still images and a police report. USAA may have surmised that we were attempting to defraud them with a false claim. {$700.00} is not worth the risk of being charged with a criminal penalty for filing a false police report. XXXX has banked and had various financial services there for approximately 8 years and XXXX 42 years. There should be no mis-trust in this relationship. \n\nAs is our right under Reg E we requested copies of the information used in our investigation on XXXX XXXX. On our last call with USAA they assured us we would have it electronically by XXXX XXXX. As of today, XXXX XXXX this has not been delivered. Ten business days should be adequate time for such a delivery as no creation of documents was required. We have no idea if they included our submissions in their investigation. \n\nOn both calls in which XXXX XXXX was included, USAA was made aware of the EFTA and Reg E requirements by him. They seemed uninterested. On the last call XXXX asked to speak to a higher level person as this investigation was not, in his opinion, compliant with the intent or requirements of Reg E. We were told no, this was as high as we could go. We asked to be transferred to the Compliance Department and were again told no. ( XXXX has been in banking and compliance for 38 years and intended to speak with someone more knowledgeable about Reg E. ) The investigator was advised we would officially complain to the OCC and the Bureau. \n\nWe believe such a recipe for claims determinations will have damaged many other consumers and, in that USAA serves the military in great numbers, it has not met the spirit and intent of the Servicemembers Civil Relief Act if they have defrauded servicemembers by taking away their rights under the SCRA and EFTA and created financial hardships for them. We also believe USAAs procedure violates Unfair, Deceptive Acts and Practices rules. \n\nRelated to the denied claim is a snowball effect that causes financial hardships for consumers. In this case XXXX and XXXX house payment was returned as nonsufficient funds. We immediately covered that. Then the mortgage lender, after already receiving the XXXX XXXX payment, auto-charged the account a week later and said \" oops, you are prepaid we can send you a check in two weeks. '' This second debit was also covered by us but caused additional overdraft fees. The mortgage lender said they would not refund the overdraft fees and a claim would have to be made to USAA for those. This is the holiday season and it is not a time many can afford to make multiple house payments and cover overdraft fees so we placed another EFT claim for the unauthorized house payment. For a young family of four living paycheck to paycheck this could be devastating and while it started with the theft, USAA made it worse disregarding Reg E and consumer protection laws and regulations. \n\nIt is worth mentioning that the credit card which had fraudulent charges had those charges immediately reversed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3081708", "source": "cfpb", "group_id": "cfpb/d9130030739f19960cd5", "variant": "clean", "length_bucket": "long", "chars": 10352, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2018-11-23", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "d9130030739f19960cd5bd658c74510aa4cb48a1ce98b80a55838b32b6d69f03", "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 new XXXX XXXX card because of fear of compromise. On XX/XX/XXXX I checked my PayPal Account to ensure all cards had been deleted from the wallet section. To my surprise my new  XXXX XXXX card has been placed in the PayPal Account without my consent or knowledge. \n\nPayPal tells me that someone has access to my card. This is not true. No one has access to my card. Problem is : PayPal for some reason will not remove an old email and mobile that were hacked back in XX/XX/XXXX. One of their customer service reps and I recently changed the primary email and phone number on my account. But their automated system is still asking for an email to be sent to my old email address for verification of my identity and to reset the password. There customer service people do not have a clue as to how to fix this issue. Their actions are robotic. They do not have a clue of an issue of this magnitude and complexity. I have sent numerous emails to no avail. The executive offices will not respond. \n\nThis lack of customer care is unacceptable for a company like PayPal. Needless to say, If I ever get this rectified, I will have nothing to do with PayPal. Companies do not understand the enormity of these issues until It is felt in the bottom line. \n\nIn the final analysis : the hackers still have access to my initial email account and they are having a hay day on penetrating my accounts and all because PayPal is unwilling to do their diligence to protect my account information. The old information needs to be removed from their system. \n\nEach time they try to verify me via their automated system and I know the answers to the questions are correct, I can not be verified according to their system. They need to update their automated system with the correct information. I am at a cross roads. I need help in fixing 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": "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/4261734", "source": "cfpb", "group_id": "cfpb/16d358359cbb8ed8b572", "variant": "clean", "length_bucket": "medium", "chars": 1849, "company": "Paypal Holdings, Inc", "date_received": "2021-04-01", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "16d358359cbb8ed8b572c39615c82c67fddbde4beebf41857c15c8b9acb26903", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I borrowed {$3000.00} on Thursday, XX/XX/XXXX. Today is XX/XX/XXXX and I still owe {$2800.00} after payments. My monthly payment is {$380.00}. The interest rate is 149.86 %. After starting a new job which paid a bit better in XX/XX/XXXX, where I  get paid only once a month, at the end of the month, I decided I needed help to work on paying off debt I had which I was unable to afford. I knew I would never be able to pay this debt off. With the interest rate as is, by the time I completed paying I would have paid {$9100.00} in total which is completely illogical and unreasonable and predatory. \n\nIn XX/XX/XXXX I instituted a 90 day hold on my credit and my accounts due to my wallet, passport, all IDs and cards being stolen. My XX/XX/XXXX payment to XXXX  was also stopped by my bank. \n\nAt this time, I also enrolled with a debt management plan ( DMP ) that  same month to reduce my overall debt, help me manage my debt, and to improve my credit. My DMP contacted XXXX and submitted a proposal to settle the account in XX/XX/XXXX but due to some error/delay on XXXX, the plan did not become effective that month and I did not learn this until almost a month later at the end of XX/XX/XXXX. By this time XX/XX/XXXX payment was past due despite XXXX  receiving and accepting my DMP in XX/XX/XXXX. \n\nDuring Late XX/XX/XXXX I called XXXX who told me the XXXX agent who received my XX/XX/XXXX DMP info forgot to fax over the paper work or something similar. \n\nMy account was actually falling past due, because of the delay by XXXX  in starting the plan, with interest rapidly accumulating all that time and I was never told, even when I spoke to XXXX directly during that XX/XX/XXXX call. \n\nI am the one who initiated the late XX/XX/XXXX call to XXXX   with my debt management plan representative to ensure that once and for all everything was set in place. My DMP had already begun to send payments prior to this call which to XXXX  cashed. XXXX XXXX   did not mention that XX/XX/XXXX payment was past due and not part of the plan despite already receiving a payment from my DMP that obviously applied to XX/XX/XXXX payment since it was received so soon after the DMP letters end of XX/XX/XXXX. \n\nAfter the late XX/XX/XXXX call with XXXX  me and my DMP representative, XXXX finally got my DMP all necessary documents. During that call the XXXX agent actually proposed a new lower payment to me directly to ME and asked ME directly if I would accept a new lower payment of {$140.00} a month. I of course told the agent I agree to this amount and was happy I would finally be able to manage payments. After that my DMP agent on the line thanked the XXXX   agent as well. \n\nIt is now XX/XX/XXXX and I check my credit report to see that I have been reported as past due from XXXX since XX/XX/XXXX and up to 90 days delinquent. I called XXXX to find out what is going on. It was then I learned the real terms of my plan and that XX/XX/XXXX payment was even pastdue and not part of my plan or even considered in the whole strategy to reduce my debt via the plan XXXX  proposed to me during that late XX/XX/XXXX call. \n\nXXXX  intentionally failed to tell me that the new lower payment does not matter when it comes to credit reporting and they will still actually report me past due since {$140.00} is not the full amount of {$380.00}. XXXX XXXX  is the one who proposed the XXXX amount to me. It was the amount they said they would accept, to ultimately get the loan repaid and to \" help me '' manage payments. Had I know I would receive negative marks and would be considered past due even though I was paying what they told me to pay, I would have never told the agent I agreed to the plan and the lesser amount. The XXXX agent intentionally misled me to believe that my new payment of {$140.00} would indeed by my new modified monthly payment on the loan with a more reasonable interest rate. \n\nAdditionally, at the time the proposal was made, the agent did not inform me that my XX/XX/XXXX due payment would not be included in the plan, nor would have the new lower monthly rate thus XX/XX/XXXX payment was marked passed due to this date. No reasonable person would want to make monthly payments only to still be reported negatively. The purpose of debt management plans is to eliminate debt and to improve credit. In fact throughout the whole conversation it was never mentioned that I was ever past due and that XX/XX/XXXX would remain outstanding despite the plan. \n\nI have now received several derogatory marks to my credit. I called XXXX  and explained all that happened, how I was misled and spoke to several agents and managers yet no one at XXXX  took responsibility for the agents misleading comments which effectively fraudulently induced me to accepting the plan. I also explained why the XXXX payment was even blocked by my bank and yet XXXX   refused to help. The listened to that late XX/XX/XXXX call and could confirm I was indeed on the call and that I was spoken to directly by the XXXX  agent and that it was never mentioned me paying {$140.00} didnt matter in regards to credit reporting and that I would still be reported as late. \n\nLast week, the week of XX/XX/XXXX, I spoke to a XXXX agent who is the one who actually finally revealed to me, the truth about my plan only after I asked several questions. She told me that my account would continue to be reported negatively even if I made the payments of {$140.00} because it was not the full {$380.00} amount. Upon hearing this I immediately cancelled the plan. I was grateful that someone at XXXX  offered to finally tell me the truth and even offered to bring the account current via several payments. As of today I only have {$380.00} left to make the account current. \n\nI spoke to several agents today XX/XX/XXXX and they all refused to take responsibility for how I was misled when I initially accepted the plan, they did not want to remove any derogatory marks reported to my credit as a result of their intentional delays, miscommunication and witholding of all information needed for me to make a true informed decision about the plan. They told me I could only dispute the credit bureau and they would not give me copies or transcripts of our conversations without a subpoena. \n\nI still can not afford these payments every month. The interest rate is too high and XXXX wont help me and now has damaged my credit severely. I had never missed a payment before XX/XX/XXXX and in fact had a previous XXXX  loan that I paid in full. \n\nDespite the reasonable case I made, and despite the fact I was induced fraudulently by the agent to accept the plan, XXXX  has stated several times they will not correct the derogatory marks on my credit report. They are acting completely unreasonable. Had it been clearly communicated that XX/XX/XXXX payment was not part of the plan and still past due I would done something about it. I would never ever let something go past due for 60+ days. The account was in good standing prior to XX/XX/XXXX, my decision to work with XXXX  on the plan was a show of goodfaith and effort on my end to actually keep the account in good standing and paying of my debt. \n\nI sought to speak to someone higher than a manager and they said I could not. They said I could not get the information of who the mangers report to, even though there is someone they report to and I could not speak to them by phone or email. It is completely unreasonable for a company like this to not make available to its debtors the opportunity to escalate issues like this, especially when agents had mislead a customer. I cant even get proof they misled me without a subpoena according to them, despite them re listening to the call today and telling me that I indeed heard what I heard. Instead they said they did not have to tell me XX/XX/XXXX was past due and that XX/XX/XXXX was not part of the plan and that I should have asked. How can someone make a truly informed decision and plan to pay off their debt if agents intentionally withhold information and are this inadequate and not thorough? Instead of behaving honestly, they behaved very deceptively throughout this whole ordeal. \n\nI am merely trying to improve my life and credit and eliminate debt and they wont help. I was trying to protect the little money I had when I had my credit froze and accounts blocked. With loans at 149 % it is almost cruel to leave people without any options when they are willing to work with the company. \n\nThe derogatory marks do not accurately reflect 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": "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": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/2802538", "source": "cfpb", "group_id": "cfpb/f60f9d82300f4cc1f8ae", "variant": "clean", "length_bucket": "long", "chars": 8538, "company": "ENOVA INTERNATIONAL, INC.", "date_received": "2018-02-03", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "f60f9d82300f4cc1f8aee753304f83ba99a4708af85aa7a15165eb3a313469a4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "At the time of this issue, I held multiple savings accounts with Marcus by Goldman Sachs ( Marcus ), all of which were in my name. Since opening these Marcus accounts, they have always been linked to a XXXX checking account, also in my name, and I have sent money between the two accounts many times in the past. \n\nIn XXXX of 2020, I changed my personal cell phone number the number that had been linked to my Marcus account and ensured that my new number was on file with Marcus. Approximately three weeks ago, I changed additional contact information in my Marcus account, including changing the phone number on the account once again. Every time I have changed my information with Marcus, there were no issues whatsoever. \n\nOn Monday, XX/XX/XXXX, I called Marcus to transfer {$140000.00} from a savings account with them to my external XXXX checking account. The {$140000.00} needed to be sent to my checking account so that I could then wire it to my attorneys escrow account to close on a property I was in the process of purchasing. The closing was set for Thursday, XX/XX/XXXX so I was calling with 72-hours notice. Again, note that the XXXX account was already linked to my Marcus account, and I had sent money between the two accounts many times in the past with no problems.\n\nDuring the call with Marcus, and in an effort to verify my information, they sent a code to the number of the mobile device that they had on file. I received the code on my cell phone, the verification was successful, and I was then told the transfer would occur within 1-3 business days. The Marcus representative informed me that because my XXXX checking account was already linked to my Marcus savings account, it would likely only take one day, but he could not guarantee that. I said this was fine, knowing that I had until Thursday for the funds to arrive in my XXXX account. \n\nOn the morning of Tuesday, XX/XX/XXXX, I checked my online accounts with Marcus and XXXX and did not see any transfer activity. I again called Marcus, and I was told the transfer was in review. The Marcus representative told me recognizing that time was of the essence that he would change it from an account transfer to a wire transfer, as wire transfers happen quicker. He assured me that the funds would be in my XXXX account by the end of the day, Tuesday, XX/XX/XXXX. \n\nI checked my XXXX account throughout that Tuesday, and around XXXX XXXX EDT I became worried since no funds were in my XXXX account. I again called Marcus, at which time I was told that the wire transfer was still in review by their security team. It was only at this point more than 24 hours after my initial request that Marcus provided a reason for the review : because I had recently changed the contact information on my account. They told me that they had attempted to call me twice that day to work through the issue, at which time I learned the number that they had been calling was the old cell phone number of mine that I had taken off of my account in XXXX of 2020 and that was now out of service. To be certain : the number they called had not been affiliated with my Marcus account for nearly six months. I have no idea why they called that number when they had a valid number on file a number they had used to verify the transfer request during my initial call the previous day. To make matters worse, no one at Marcus could explain to me why I hadnt been contacted at the number associated with my account when they couldnt reach me. \n\nAfter being transferred to multiple people within Marcus, begging to speak with someone who could help resolve the review of my wire, I was told that someone at Marcus would call me Wednesday morning to review the wire and resolve any outstanding issues. At this point I had been on the phone with Marcus for nearly two hours, and with no other options at my disposal, I agreed to this. I stressed that whoever made the call had to call the number associated with my account, as the number they had previously tried to use was not in service. The person with whom I was speaking made note of this and ensured me that the number on file would be used. \n\nAround XXXX or XXXX XXXX. ( EDT ) on Wednesday morning. I began to get nervous yet again, as I had not received any call from Marcus. Just as I had the previous afternoon, I called them trying to get some explanation. After speaking with a supervisor by the name of XXXX, I was told in no uncertain terms that my case was being escalated and that someone would be calling me back ASAP to try and resolve the issue and get my wire transfer executed. I again told them multiple times that they must call the number on file. XXXX and I confirmed that number, and I was told that they would absolutely use that number to call me. While XXXX could not confirm a time when I would be called back, he assured me that it would be sooner rather than later, and certainly that day. \n\nAt no point on Wednesday did I get a call from Marcus to resolve this issue. Please keep in mind that at this point the closing on the purchase of my property was happening the very next day, and I still was unable to provide my attorney with the necessary {$140000.00} to make this closing happen. \n\nFaced with the near certainty that I wouldnt have the funds from my Marcus account in my XXXX account by the end of the day Wednesday, I scrambled to pull together the {$140000.00} from other personal funds, including having to borrow money from family members at the very last minute. They rushed to wire the money, and thankfully I was able to have the full amount in the attorneys escrow account by Wednesday evening. \n\nBy the end of the day on Wednesday, I had still not heard from Marcus. I did not hear from them on Thursday. Shocked at their lack of responsiveness, and still uncertain where my money was, I called Marcus again on Friday, XX/XX/XXXX around XXXX XXXX EDT to try and understand what had happened. At this point, I was fed up with Marcus, and during this call I informed the Marcus representative I would no longer do business with them and that I was withdrawing all my money from them and closing my accounts. \n\nAt my request, my call was escalated to a supervisor whose name was again XXXX. While I can not confirm with certainty that it was the same person that I spoke with on Wednesday, I believe that was the case. XXXX again reviewed my file and told me on Wednesday they had, in fact, called me twice but they again called the out-of-service number that had not been listed on my account in six months! They called this number even though I had begged, and they had promised, that they would call the number listed on my account. Again, I have no idea why they would continue to call a number that had not been associated with the account in nearly six months. It begs the question why they wouldnt, in the very first instance, simply call the number listed on the account? \n\nXXXX profusely apologized and said, yet again, that they would investigate this issue and call me back with some sort of explanation during the day on Friday. At no point on Friday, XX/XX/XXXX, did I receive a call from Marcus. \n\nAt this point, there was nothing left to do, so I called Marcus on Friday evening, and told the woman who answered my call that I wanted to immediately close all of my accounts and have my money transferred to my XXXX checking account. Despite never having been able to process my initial request, there were no issues in closing the accounts, and in a cruel bit of irony, Marcus was able to close my accounts and transfer the money to XXXX by using my mobile number on file to verify the transaction. To summarize : they couldnt call this number to handle a time-sensitive matter, but they could use it to verify the transferring of all my money out of their institution. \n\nAfter waiting several days, all my funds from Marcus were deposited into my XXXX account on Tuesday, XX/XX/XXXX. To date, no one has ever explained to me how this happened. I now write to the CFPB in the hopes that this matter will be investigated so that other consumers dont have to experience the same XXXX that I went through.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4456491", "source": "cfpb", "group_id": "cfpb/1590620fdcd075ccd67d", "variant": "clean", "length_bucket": "long", "chars": 8165, "company": "GOLDMAN SACHS BANK USA", "date_received": "2021-06-14", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem making or receiving payments", "text_sha256": "1590620fdcd075ccd67d1a4fe4f7b2b78864310b6be3829c667e59f54ac47908", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My complaint is against Chase and some of their practice 's they have done. Chase over charging me not credit crediting me properly. increasing my monthly fixed loan payments totally unauthorized.\n\nChase on there own accord just changed the term of my initial loan agreement from 20 years to 30 years actually ripping me the cosumer off This is totally unsatisfactory to me I don't believe chase practices allows them to do this costing the consumers more money without the consumer having knowledge about it the changes they made that I didn't agree to. \nAnd they done twisted this paperwork up so much their own representatives in the Chase XXXX branch can't even explain what's happened and they don't understand it I spoke it to XXXX and the female manager there she gave me papers that say I owe 224 more months at XXXX that's not accurate. This discrepancy was brought to my attention by XXXX call me said I need to refinance cause this loan is way too much you can wait too much and that's when he told me i had a 30 year loan instead of a 20 year fixed. So no one know what's going on but I'm the 1 to suffer it's not fair it's unsatisfactorily and I'm not going to tolerate that.\n\nXX/XX/2007 I open a home equity loan with Washington Mutual bank. They transferred the loan to Chase I've been making payments in the amount of XXXX per month as per my fixed loan agreement. That was my fixed rate for 20 years. I was instructed by Washington Mutual that as time went on any extra money I would borrow would be at a 6.5 % neutral rate. I was also instructed that any money I send in extra monthly over the XXXX will go towards the payment of any additional loan amount I used. \nNow I'm getting conflicting information from Chase They say I owe XXXX for 30 years not 20. Since I took the 1st additional money off the equity Above my original loan I've been paying at least XXXX per month to go toward the loan amount I borrow so I've been paying that for 11 years additional. Every month Chase has been charging me XXXX or more at has not been applying anything to the amount of the additional equity borrow anything over the XXXX should have been credited towards the additional money I borrow. no credit has been issued to the additional money borrowed. somehow chase just increased my monthly payment by a {$100.00} For a few years now but has not applied anything to the extra money I've borrowed how can they do that When I spoke to representatives XXXX in the Chase branch in XXXX and we've been trying to get this rectified with chase home equity nobody has answers for me and respond they don't know what's going on just going by what we see. I've been requesting my originally signed papers the truth in lending, the mortgage papers As of this date they have not produced my originally signed papers. \nSo my full complaint is how are they increasing my monthly payment Without putting nothing to the variable amount I borrow How do Chase increase my monthly payments from 20 to 30 years sounds illegal to me Where did all the extra money I've been pain according to WA ' mu would go to the variable I borrow .Where has it went where it is gone How come I Receive no credit For all these years I've been sending extra Money on top of my original payment. \nThe billing statements are not clear on how much I owe on the variable amount or the amount left one say owe a XXXX total the other says i owe XXXX XXXX but how much did I borrow on the variable side there is no clarity. I'm trying to get clarity of all the figures but the Chase rep at home equity had no answers for me.\n\nI want Chase to tell me how much I borrowed on the variable amount I want Chase to properly adjust and credit the amount of all the money I sent to creditors to variable loan over the years I want Chase to stop Billing meXXXX go back to my XXXX that I could choose what I wan na send an extra for the variable Get all my figures and have them all my monthly statements so I can see what's going on A monthly basis", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3104926", "source": "cfpb", "group_id": "cfpb/9e4b2049055d5ce25841", "variant": "clean", "length_bucket": "long", "chars": 4005, "company": "JPMORGAN CHASE & CO.", "date_received": "2018-12-19", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "9e4b2049055d5ce25841843e3734503ecb390d48dac9e2f3bae970eb4407f885", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This might just continue to be a string of unfortunate luck, however the cycle must end somewhere : Back in XXXX, a lady ran a red light and T-boned the passenger side of my XXXX XXXX XXXX ; the damage was extensive with all passenger side airbags ( front, side, and side-curtain ) were XXXX. I had XXXX XXXX at the time ; instead of XXXX having my best interests at heart ( and to save money like all insurance companies do ) they assessed the damage at 67 % which does not meet the 70 % minimum threshold in order for them to deem the unit a total loss, even though I was not the one at fault, and behested them about not wanting to and not feeling safe driving around a car in which the airbags had previously been XXXX. I know that they are set to go off only once, so it is a bit of a gamble driving around afterwards as no one is certain how the airbags will perform in another crash. Because of this XXXX said my car was still worth {$24000.00} and would not total out my car. Since I could not get assistance from my own insurance company for an accident that I was no way responsible for, I wanted to switch out cars now as I did not feel safe driving the XXXX. In working at XXXX XXXX Auto Finance, I had some good relationships with local dealers, in particular the Hyundai Dealership ( I also worked at Hyundai prior to XXXX   XXXX and is a reason why I had such an affinity to XXXX vehicles ) and so I went there to exchange out my XXXX for a new Hyundai on XX/XX/XXXX. \n\nHowever, when I got to the dealership, the {$24000.00} quoted value of the car XXXX stated it was worth was no where near the value the dealer gave me ; they originally came back stating the car was only worth {$16000.00}, an {$8000.00} difference from what XXXX had provided. I was able to work the value up to {$18000.00}, but still {$6000.00} difference is a lot to cover, therefore the best option I had at the time was to lease a car to absorb that loss in value and then at the end of the lease be able to walk away with out another big hit. XXXX and I at the dealership to help keep the monthly payment down with rolling in all that negative equity decided a 48 month lease would be best. Being around dealerships and auto finance, I know that 4 year leases are rare, and typically they are 24 or 36 month leases, but was totally on board do to the situation I found myself in, through no fault of my own. If I had my wish, that lady would never have ran that red light and I would not be at a dealership trading in the XXXX, that I purchased for a lease. \n\nFast forward to XX/XX/XXXX, and my 48 month lease with Hyundai had reached maturity and was at end-of-term. For the past 4 years I had made every payment on time to HMFUSA ( 80 % were at {$510.00} and then in the final 18 months the payment was {$480.00} ) without missing a beat ; again was never late nor did I miss one. Upon lease maturity, I had now moved from the XXXX XXXX to Virginia during the length of the lease and knew that there was going to be an excess mileage charge as I did exceed the allotted amount by a little bit. I was fine with this and was willing to pay as that is disclosed right in the Lease contract I signed in black and white as to what the over-mileage penalty per mile would be. What is not disclosed in the contract, not is there any monetary value associated with it, is the amount of wear and tear Hyundai can deem as \" excessive '' and that there are not timeframes on the wear and tear and charges in relation to the time frame ( i.e. 24, 36 or 48 month lease I would think would have different parameters around the total excess wear and tear it could charge ). \nIt took Hyundai 2 months to get me an end-of-term statement, as although I had updated my address on the website ( XXXX ) they were sending the statements to a previous address in TX, not the current one I had on file with them in VA. So in XX/XX/XXXX, I went online as I had not received a letter from Hyundai yet, stating how much over-mileage penalty I owed to officially close of the lease and have everything settled, and was absolutely floored to see excess wear and tear charges for almost {$3800.00}, and some of the stuff that it was calling out was as if I should not have driven the car at all in that 4 years in order to avoid excess wear and tear penalties ; a scuffed hub cap from friction with a curb upon parallel parking was on there and for like {$600.00}, again what they were claiming for \" excess wear and tear '' was egregious for a 48 month lease, I could understand if I had a 24 month lease and the car ( which I spent numerous amounts of money keeping up with maintenance and car washes ) looked like it did, which is still great shape for being 4 years old, however, where is the statue of limitations in regards to what is acceptable as \" excessive '' in relation to time-frame of leasing the car. I was a little suspect on that high of an amount and at the same time would not be able to bay {$5800.00} within in 15 days to satisfy the lease end-of-term, especially when the verbiage of due date took a much more aggressive turn, yet Hyundai was the one that sent the statement to the wrong address, twice! \n\nAround, XX/XX/XXXX I can not remember the exact date, I called into the customer service department and spoke with a lady in regards to her lease. Her extension is XXXX ; I asked her to look into the excess wear and tear charges and provide to me a justifiable answer as to how Hyundai can get away with charging that much in fees after a 4 year lease. The Lady was extremely helpful and polite, and after discussing the charges with her, she kindly took off {$1300.00} of the excess wear and tear charges, bringing the total owed from {$5800.00} to {$4400.00}. The lady told me that this will reflect after 7 business days, and if I were to call in to make a payment in that timeframe it may not be reflecting the new balance internally yet.\n\nThe customer service representative then asked if I would be able to pay the amount in full to satisfy the end-of-term, to which I replied that I was not in a position to do so and would like to see if I could pay it down within the next few months contributing what I could ; she advised that if the balance what not paid in full by XX/XX/XXXX, that even though the last 4 years of ontime payments for the lease were made, the final payment might now reflect \" Late '' after XX/XX/XXXX until the balance is paid in full, but there will be no harm in making monthly payments and the balance will not Charge-off. She then asked if I wanted to make a payment today, and I advised I had a meeting so I could no longer remain on the phone, and I felt more comfortable making payments once the new lower balance reflects in the 7 business days. As of XX/XX/XXXX the balance on the account still shows the original {$5800.00}, which is very disheartening, as they keep texting me and calling for me to and give them money that they are egregiously requesting, without showing a sign of good-faith and updating the balance to reflect the correct lower amount. Many times I went online to pay what I could toward the balance, however, even though the text messages I was receiving said I could, when I went online I was unable to make any payments and had to call in. \n\nI have a full-time job, am currently enrolled in night school, getting my XXXX, have a 21 month old daughter, and a wife who is 7 months pregnant ; finding time to call in to them is really tough and Hyundai 's lack of care for the situation is very inconvenient. \n\nIn XXXX, I received another letter from Hyundai that still reflected and demanded the old amount of {$5800.00}, however with updated verbiage that if the balance was not paid by XX/XX/XXXX the account would be charged off. To be honest I was livid. I spent the last 4 years paying $ XXXXmo to them without missing a beat and always on time, called in to get some help as I have every intention of settling the lease, received that help or thought I did, and now the exact thing Hyundai said would not happen, is happening, they are going to ruin my credit and charge-off this lease, although I have made many attempts to resolve this with Hyundai and they still can not disclose the agreed upon amount that I owe. \n\nTherefore, on XX/XX/XXXX I called the number on the letter I had received and spoke to XXXX in the XXXX XXXX XXXX department of Hyundai ; she was extremely rude, inconsiderate, unprofessional, and never treated me with respect. All she saw was that I have an outstanding balance and \" I better pay it. '' In the middle of her interrupting me every time I tried to ask a question or get clarification, I was finally able to inquire about the discrepancy in the amount on the letters I am receiving and what is disclosed online versus what the customer service representative I originally spoke to and I, agreed upon. XXXX put me on a 10 minute hold, and when she came back to the phone, she confirmed that she was able to find the notes of the conversation I had with the customer service rep. and that they will honor the lower balance owed. Upon stating that she immediately got aggressive and asked if I would be making a payment to cover the entire balance at that moment over the phone, to which I started to respond with my answer and she cut me off again and demanded I settle up in full at that moment. I advised her, that I am skeptical as I have been down this road before and would like to actually see the lower balance that was agreed upon reflected just once and I will start making the monthly payments I had spoke with the original customer service rep. about. XXXX very abruptly advised me that there is no such thing as paying the balance down, I could not make monthly payments, the original person I spoke to was \" lying '', and that if the balance is not paid by the XX/XX/XXXX it will be a charge-off no matter what. I then proceeded to ask her if I am \" sh*t out of luck, as I called when I first knew about the balance seeking help and assistance from Hyundai as I had all intention of paying off the loan in full yet I was not in a position to do it all at once, I am sorry $ XXXX is a lot of money at one time, are you saying you are unable to help? '' To which she essentially responded, yes you are out of luck, there is nothing I can do, and she is unable to help. She then pressed me again to pay the entire amount on the phone, and if I did not it will be charged-off, I said I was not in a position to do so, and she ended up disconnecting us. \n\nOn XX/XX/XXXX 7 days after I had spoken with XXXX, ( who again stated she updated the amount to reflect the lower balance that had been agreed upon ) I received a letter from Hyundai dated XXXX ( so still drafted after my phone call with XXXX ) stating that Hyundai was willing to settle with me for 80 % of the original balance. I was unable to call in that day so I filed a complaint online with Hyundai Consumer Complaints and did not hear anything back in their SLA for a response. Therefore on XX/XX/XXXX I called in to the Complaints department and after telling all that had happen over the past couple month and the letter I had just recently received again with the incorrect balance being reflected, I was told by him, he was unable to help as though it is the Hyundai Complaints department, it is only for vehicle or dealer issues, they are unable to pull financial information or accounts, and in order to solve this I need to call the same number back and \" see who was telling me the truth. '' Even though on the website Hyundai states no complaint is to big or small, they handle them all ( paraphrasing ).\n\nI have not been able to get anywhere, and I have never said I am not going to pay, I have been trying to pay and asking for assistance and at one point I had it, but that seems that was just a farce.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3441686", "source": "cfpb", "group_id": "cfpb/9635f1d69791bd68ce40", "variant": "clean", "length_bucket": "long", "chars": 11877, "company": "HYUNDAI CAPITAL AMERICA", "date_received": "2019-11-18", "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": "9635f1d69791bd68ce40ceb6050f8efcef7c83dece12160970e4ace99d2964fe", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/ my phone account, email and bank account at Bank of America was hacked and completely wiped out in the amount of {$68000.00}. There was a transaction of {$5000.00} from my savings and several other transactions from my checking totaling fairly around {$18000.00} to a bank account in New Jersey. \n\nThey contacted my phone company canceled my account and ported my phone number over to XXXX so they could receive notifications from my bank as well as approve the transfers, how they were able to do that? Your guess is as good as mine! \n\nA very sophisticated crime I would say and a huge security risk for everyone who trust the banking and phone system! \n\nI was out having dinner with my family when my card declined, I checked my bank account and I could not believe it! All the money I had was completely gone! I have not had money to feed my family, pay my bills or my mortgage for that matter no money has been returned to me for the past 15 days and I have suffered. I dont even know how were making thru, it can only be God at this point because Bank of America dont care until their investigation is done, until then we suffer! \n\nI closed the bank account opened another one but Bank of America said I must wait 10 days for the investigation which could possibly go to 90 days if they dont reach a decision, its pass 10 days at this point, so at 90 days what will happen to me and my family? \n\nXXXX XXXX XXXX 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 XXXX I live a straight and narrow life and here I am suffering. \n\nIt seems the bank put me through more hoops than they put the scammers through that stole all of my money! \n\nPlease I need help on this matter before I lose everything Ive worked so hard for all of my automatic bill payments that were connected to my account are now being declined and I dont have any access to my money to pay it, I am in over my head. \n\nPlease get someone on this matter as soon as possible! \n\nI have no idea what I could have done differently as I do not share any of my pins or personal information with anyone, this is a huge problem for me and so many unsuspecting others. \n\nWhat Ive learned? Dont keep all of your money in one 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/7661019", "source": "cfpb", "group_id": "cfpb/efa3d6eefb432702e421", "variant": "clean", "length_bucket": "medium", "chars": 2292, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2023-10-07", "product_raw": "Checking or savings account", "issue_raw": "Problem with a company's investigation into an existing problem", "sub_issue_raw": "Was not notified of investigation status or results", "text_sha256": "efa3d6eefb432702e4219defa94617e4cc590dca7975064b5d237fdc821f57c6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I submitted my Public Service Loan Forgiveness application to MOHELA on XX/XX/XXXX. I waited patiently for the company to acknowledge receipt of my application, verify my ECFs, and transfer my loan from XXXX XXXX to MOHELA. I have never received communication from MOHELA directly notifying me of the status of my loan. MOHELA verified and accepted all of my ECFs on XX/XX/XXXX. \n\nOn XX/XX/XXXX, XXXX XXXX notified me by email that the XXXX XXXX XXXX had approved transfer of my loan to XXXX, since XXXX XXXX was ceasing operations. I immediately called MOHELA and XXXX XXXX to check if I needed to do anything. Both groups let me know that I was still in the XXXX day period for MOHELA to transfer my loans to them and that all I should do is wait patiently. My loans transferred from XXXX XXXX to XXXX on XX/XX/XXXX. \n\nOnce I was in the XXXX day period from my ECFs being accepted, I began to reach out to MOHELA. Representatives from MOHELA told me that they had sent a request to the XXXX XXXX XXXX to have my loans moved to MOHELA. On XX/XX/XXXX, I reached out to the XXXX XXXX XXXX to try to get more information. The Department of Education told me they had no information on my loans- other than that they were currently held by XXXX. They had no information/documentation of a transfer request. The XXXX XXXX XXXX told me to reach out to XXXX. I followed up with XXXX who told me they had no record of a request to move my loan from XXXX to MOHELA. On XX/XX/XXXX, I was advised to file a complaint on studentaid.gov and to reach out to MOHELA. I filed my complaint on XX/XX/XXXX. When I followed up with MOHELA I was told that they would put in a manual transfer request to move my loan from XXXX to MOHELA. \n\nOn XX/XX/XXXX, XXXX followed up on my studentaid.gov complaint and informed me again that there was no documentation of a request for my loan to transfer from XXXX to MOHELA. I immediately called MOHELA on XX/XX/XXXX to insist on documentation of my transfer request. I was then informed that it will take an additional XXXX days once the request actually clears to get my information into MOHELA 's system. \n\nI am far beyond any reasonable timeline for processing my student loans and have no recourse or support to get things processed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7142438", "source": "cfpb", "group_id": "cfpb/47b5b6e9a08f0fadba40", "variant": "clean", "length_bucket": "medium", "chars": 2257, "company": "MOHELA", "date_received": "2023-06-20", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "47b5b6e9a08f0fadba40e761b3df1d7dec8e72a52b2c6f047c9a4496c4b83e98", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have BB & T and I have opted to not let my account over draft because I dont want it to. But they continue to let everything go threw it even with no money in my account and when I mean everything I mean subscriptions that I have that keep coming out and I dont know where they came from or why I have them to even cancel them but they continue to let these charges go threw them Im left with horrible over draft fees. I want to just close the account which Im planning on doing Friday but until that time Im having no help with the bank on how to stop this from happening. So I feel like no matter if I want my account to be able to over draft or not and I opt in or out for it they r going to let it anyways", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5173798", "source": "cfpb", "group_id": "cfpb/938a9f79635db8a5470c", "variant": "clean", "length_bucket": "short", "chars": 711, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2022-02-02", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Fee problem", "text_sha256": "938a9f79635db8a5470c04c3823ca6f9aee7cc54be59102675e678ea15620082", "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 purchased cat calming diffusers that were advertised to work \" like magic '' to calm cats, reduce aggression, and eliminate cats from urinating outside the liter box. It seemed to have good ratings, but I should have been suspicious with any product that claims to be \" like magic. '' On their website, they specifically state that there is a money back \" risk free '' trial guarantee. Based on this, I felt that it would not hurt to try out the product since, with a money back risk free trial guarantee, it would cost me nothing if the product did not work. The items arrived on XXXX XX/XX/year>, and within a couple days I contacted customer support and notified them that the product was not working, and that the devices were leaking onto my wooden floor and my carpet. They were responsive, and sent out a replacement for some of what I bought. These items did nothing, and released no scent and had no impact on my cats. Within the trial period, I contacted the company and requested a refund. I was told that the \" risk free '' money back trial guarantee actually was not as was advertised. Instead, I would have to pay return shipping and a {$9.00} fee. I stated this was not what it said on their homepage or in the ads they have everywhere on the internet. They then offered me a XXXX  % refund. I contacted Synchrony bank and disputed the charge as the items were not as described ( they did not work ) and that their money back risk free guarantee actually was false and deceptive. Synchrony bank placed the XXXX charges in dispute and credited my account. I sent to them proof of their advertising as well as the e-mail they sent saying that I it wasn't truly risk free or that I would get my money back. On XXXX XX/XX/year>, Synchrony recharged my account. When I called, I asked if they had received my evidence and I was told no, they had not. However, they then appeared to find it in the system and the representative did some research and did see how what I claimed was correct and the dispute was reopened. I asked if I needed to send anything more, but was then told no, they have everything. On XXXX XX/XX/year>, I received a digital letter than said the dispute was reopened and I would not be responsible for the amount in dispute. On XXXX XX/XX/year>, I called Synchrony again, and informed them that the temporary credits had not posted and I was concerned that I would end up having to pay for the amounts in dispute. On that call, I was told to wait 4 days, and the dispute would be resolved in my favor and I would receive a permanent credit. I waited XXXX  days and, on XXXX XX/XX/year>, I reviewed my billing statement, and I was having to pay the amount that was in dispute, a direct contradiction of the letter I received on XXXX XXXX and no permanent credit had been posted as I was told would happen from the call on XXXX XX/XX/year>. This also violates my rights as a card holder in that Synchrony specifically states that, while the investigation is underway, they will not try and collect the amount in dispute. I requested to speak to a supervisor on XXXX XX/XX/year>, but was told none were available after the representative reiterated that I would not be responsible for payment, but did not fully understand that I was explaining to her that my account currently shows that I am responsible for 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": "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/9508633", "source": "cfpb", "group_id": "cfpb/21e73d36f3b6d0f9a1aa", "variant": "clean", "length_bucket": "medium", "chars": 3380, "company": "SYNCHRONY FINANCIAL", "date_received": "2024-07-14", "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": "21e73d36f3b6d0f9a1aa6f73e79b52b363200d1230c42319943286b2f79a6936", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have requested SEVERAL times complete, monthly payment history to show each payment, each month for the last 24 months. I have been provided various scribbles which are verified as accurate on my credit report & later changed to cover their sloppy bookeeping. I have NEVER been provided the past 24 months that I am entitled to as a borrower. Im not being treated fairly. My credit is damaged because of the borrower who IS getting the account information and doesnt share it with me! Im trying hard to protect 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": "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/7868691", "source": "cfpb", "group_id": "cfpb/da11f5540d21a0f036a5", "variant": "clean", "length_bucket": "short", "chars": 523, "company": "Fay Servicing, LLC", "date_received": "2023-11-17", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Trying to communicate with the company to fix an issue while managing or servicing your loan", "text_sha256": "da11f5540d21a0f036a573490b759d94e207d89d9fa6996fc9e5971127b9ebf6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I paid my car note on XX/XX/XXXX and I received a thank you for your payment and confirmation number. Then I called by chance two days later and was informed it wasn't accepted and that regardless if a payment is accepted or not their system gives everyone a confirmation number, so you dont know until you either see a ding on your credit report or a call from them, but as it turns out do to their system error, I received a late payment mark on my credit report ( s ) and would like for it to be removed. I received a thank you for your payment and confirmation number and I had the money in bank, everything so I thought everything was good. Once they informed me it wasn't accepted and they said they called me but did not leave a voicemail message not called any of my back up numbers and then I asked why wasn't it accepted. Well I received several different reasons, not to mention when I called I was told too that I could just wait to see if the payment went through or not. So, at this point I am confused and still not sure how I could receive a confirmation number and all, which I have a picture of for evidence, and the payment no be accepted. I was advised that although it says thanks for your payment and gives you a confirmation number, that it does not mean anything as it says that to everyone who makes a payment. One representative said it was the incorrect routing and/or account number and another said the payment was returned. I said how can it be returned if it was the wrong information how could it even have been present for payment and why or how can the system accept incorrect information, as most systems are flagged if checking information is not accepted or the company will advise you. Nevertheless, I call to ask since the confusion was on their behalf and no messages or anything as a courtesy, which they advised me of, if they could remove the negative remark do to the circumstance. It seems as soon as I asked the response was why are you trying to get a house and I said yeah, and then I was told well it takes 30 days so you should be fine. \nIn fact, that too was inaccurate as I was not buying within those 30 days so it is and id affect me and my score went down an entire 74 points because of this. This is very confusing as with most companies, it rejects payments automatically, especially if checks are not accepted and/or the company doesn't accept your payment. In addition, the supervisor stated they had tried to call me but did not leave a voicemail message and was not even sure if my payment had or would be accepted or not. I found this very odd and confusing, not to mention now causing me a hardship unnecessarily. As I had been advised previously, as I recently did have a return payment due to a block on my account because my wallet had been stolen, that they could do a one-time courtesy negative mark removal. So, although they were not sure if it would show as a late payment or not, I am requesting ahead of time in case it is that it be removed. XXXX XXXX, who was the supervisor, seemed to not know much more than then regular customer service reps as they advised me to wait to see if the payment I submitted online would go through and they were not sure if it would or not. She also told me she would pre-advise the company 's customer service advocacy staff that I intend to go to the XXXX and/or the consumer protection agency, not in a good way but in a manner to get them prepared to basically as I feel to not assist me. Her attitude and the lack of knowledge and assistance concerns me too. The only one that could offer me a form of assistance because of the problems I was having and to help me out was XXXX, who I made the payment to via credit card and still no one advised if I could or could not write checks any longer, all they stated was I had once returned earlier in in the year, which I already knew. I then did as promise and made a complaint with XXXX  whom in turn allowed not only for them to pass their response time, closed it after two months with no clear reasoning. The company, Skopos, requested my bank statement to confirm the payment wasnt received and returned from the bank, which I provided and they never replied after that and nothing was done, not even their accreditation with XXXX was revoked because of their failure to reply in the timely manner, as I was advised of directly by the XXXX XXXX representative I spoke with. So, I am left with the burden of may not being able to get my home yet because of their faulted payment system. I am filing a complaint not only with the company but XXXX for failure to comply to their own rules and not even reviewing my case fully. I have a detailed outline of this compliant below as well as the response I just received today from XXXX. \n\nConsumer 's Desired Resolution : I would like the negative or late payment mark removed from my credit report. As the payment, which I have proof off, was received by me to them via their online payment website and I received confirmation as if the payment was made and accepted. \n\nXXXX Processing XX/XX/XXXX web XXXX Case Received by XXXX XX/XX/XXXX XXXX  MORE INFO RECEIVED FROM THE CONSUMER : ***Document Attached*** This is the message I received which clearly states to me the payment was accepted. \n\nXX/XX/XXXX XXXX XXXX  Case Reviewed by XXXX - Member XX/XX/XXXX XXXX EMAIL Send Acknowledgement to Consumer XX/XX/XXXX XXXX EMAIL Notify Business of Dispute - Member XX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for bringing your concerns to our attention. We appreciate the opportunity to remedy any problem that may exist and offer the following response : We have reviewed your account and find that a payment entered on XX/XX/XXXX was declined. Payment due for XX/XX/XXXX was received on XX/XX/XXXX. Based on our review of the account history, we confirm the information reported is correct. \n\nShould you feel this is incorrect, please forward a copy of your bank statement that shows the transaction in dispute was paid to Skopos piror to XX/XX/XXXX. \n\nShould you have any further questions and/or concerns, please do not hesitate to contact our office.Best Regards, Customer Advocacy XXXX XX/XX/XXXX XXXX EMAIL Forward Business response to Consumer XX/XX/XXXX WEB XXXX CUSTOMER DISSAT - MEMBER COMPANY - XXXX REVIEW : ( The consumer indicated he/she DID NOT accept the response from the business. ) This is not acceptable and not true at all as the payment was not declined from my bank and was never even received/sent to my bank to be processed, as informed and mentioned in the original response. After I contacted Skopos, they informed me that they were not even sure if my bank had received it or not, as it takes up to three business days for the bank to even receive it, and even had suggested that I wait to see if they decline it or not, so how can they now say the bank declined it. I also request that the conversation I had with the mentioned party and all parties I spoke with on that day be played back to confirm exactly what I am stating, as I am stating facts. In addition, how is it that they received it on the very same day, after stating it take at least 3 busniess days to process, so here again you can see it was a SKOPOS issue. As you can see clearly in the attachment provided, it states paid and thank you with confirmation. Again, I was advised the system always gives confirmation of payment and if I did not receive written notification, which I have not, how was I to know it was declined other than my bank, which never even received the request for the payment. I have proof from previous payments that it takes at least 3 business days as I can provide a statement that shows a previous payment that was declined by the bank. In addition, Skopos advised me that because of the previous returned payment that it was rejected by them and not the bank, so which one is correct, did my bank reject it or did Skopos reject it. Again, i will provide proof from my financial institution that the payment was never even submitted to them and confirmation when the last check that was received was declined. Again, I am wanting the negative mark removed ASAP. \n\nXX/XX/XXXX XXXX MORE INFO RECEIVED FROM THE CONSUMER : ***Document Attached*** In addition to the information provided earlier, I contacted Skopos again to try to resolve this matter, since they are giving wrong information, and spoke with XXXX in the customer advocacy department. She says something different about the situation. She says that the payment was declined because the information regarding my bank account information was wrong. I.e. account number and/or routing number. So, this is the third reason they are coming up with and still refusing to just simply remove the negative remark. She also stated that per the crediting laws that it can not be removed, which apparently and obviously is not correct, if so there would not be a way to dispute things on your credit report. In addition, as I stated earlier, the information was not even submitted to my bank and I have obtained a copy of the bank statement from my financial institution and confirmed that a payment from them was not even submitted on theXX/XX/XXXX nor theXX/XX/XXXX and they submitted my credit card payment on theXX/XX/XXXX and that was not even cleared until XX/XX/XXXX, thus confirming my information that there is no way that my financial institute could have received and declined a check transaction in one day, more so the same day. I am strongly suggesting that all conversations held with them on the XX/XX/XXXX and even today be submitted as proof as to they are not clear what happened, nor why the system they have customers use to make payments gives false information. And, it takes 3 days for a check transaction to clear, so why are they saying my bank returned the check for NSF, then say they declined it when they clearly told me to wait to see if the bank clears it while all along according to what was said to me today, it was no way it was even going ot could be submitted ... .where would they send it. Furthermore, I know I put in the correct information, and without proper information it most likely will be rejected from the system, or shall I say should, as it should know how many numbers are required, etc. If your system didn't even accept the payment, how would it have even been submitted to the bank or even more given me a confirmation of thanks for your payment and a confirmation number. The stories seem to not add up and to make them not look even more incompetent, I request that this one mark be removed, as it was told to me they could do a courtesy reversal, and there is no law stopping them from doing so, as XXXX said to me today. Please see my bank statement attached below and you can see the returned check in XXXX, when it went to the bank, and when it was approved by the bank, which is also confirmation of the process per what I stated, as well as the payment made on the XX/XX/XXXX when it was submitted and when it was cleared. The last payment that was received before XX/XX/XXXX was a returned checked and you can see when it was received and how long it too as proof of how long check payments take to clear and even how long the credit card payment took to be received and paid by my bank. Also, proof no other payment since the one paid prior to the XX/XX/XXXX payment was submitted ( XX/XX/XXXX-XX/XX/XXXX ). In addition, it shows where the NSF fees from the returned check was returned to me because the only reason the check was returned was because my wallet had been stolen and there were fraudulent charges on my account and when the Skopos payment came through the money had not yet been released back into my account to cover my bills, which also I had informed Skopos of this unfortunate incident that occurred to me. How can a customer service rep, a manager and customer advocacy all have different stories, yet work for the same company? \n\nXX/XX/XXXX XXXX EMAIL Customer Dissat Notice to Company XX/XX/XXXX XXXX XXXX No Response from Business re : Consumer Rebuttal I received an email on XX/XX/XXXX stating they still had not received a response from the company and I called and was told this again on XX/XX/XXXX. Complaints XXXX Reply| Mon XX/XX/XXXX, XXXX XXXX You Inbox Flag for follow up. \nAt this time, we are waiting on the company to respond. The company has be notified you are dissatisfied the company 's response. \n\n\nXXXX XXXX, Dispute Resolution Analyst XXXX Serving XXXX XXXX  Texas XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Today this is what I received, after I sent all the information proving the payment was received and it was them who rejected it and proof that it was not an NSF from my financial institution and feel like I provided information that is very private and persona and who knows who even read it or if, after they requested it was it review .... same thing for the XXXX did they review it or just brush it under the rug and say oh well. They said the business decided, but I was not advised nor received their decision, but received this today. \n\nFrom : Better Business Bureau XXXX Date : XX/XX/XXXX at XXXX XXXX  EST To : XXXX XXXX XXXX XXXX Subject : XXXX  Complaint Case # XXXX ( Ref # XXXX ) Reply-To : Better Business Bureau XXXX Re : Case # XXXX : Skopos Financial , LLC. \n\nDear XXXX. XXXX, Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. \n\nWe understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX   Business Review as : \" Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' Please note, the text of your response may be publicly posted on XXXX 's website. XXXX reserves the right to not post in accordance with XXXX  policy, and we may edit your response to protect privacy rights and to remove inappropriate language. \n\nWe appreciate the opportunity to be of service, and sincerely hope you will contact us for pre-purchase information. \n\nSincerely, XXXX  Dispute Resolution Department 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2807655", "source": "cfpb", "group_id": "cfpb/a6c5bb4ca10c9c8c71bb", "variant": "clean", "length_bucket": "long", "chars": 14365, "company": "Skopos Financial, LLC", "date_received": "2018-02-08", "product_raw": "Vehicle loan or lease", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "a6c5bb4ca10c9c8c71bb3e6bb2b6823a073f96a89195df5d7e62063b903b18b9", "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 express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. \n\nI have been a loyal PayPal user for a significant period, and I have always adhered to PayPal 's terms and conditions. It is crucial to me to maintain a positive and trustworthy relationship with PayPal, and I am committed to resolving any issues or concerns that may have led to this unfortunate situation. \n\nI kindly request that PayPal re-investigates my case thoroughly and reviews the circumstances surrounding the permanent limitation of my account. I believe that a mistake has occurred, and I am eager to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate my financial inconvenience but also allow me to continue using PayPal for safe and secure transactions, as I have done in the past. \n\nI appreciate your attention to this matter and kindly request that you initiate the review process as soon as possible. Please let me know if there are any specific steps or information required from my end to facilitate this process. \n\nThank you for your time and consideration. I look forward to a swift resolution of this issue and the opportunity to continue using PayPal 's services.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8260832", "source": "cfpb", "group_id": "cfpb/765108d209e99dd4121a", "variant": "clean", "length_bucket": "medium", "chars": 1531, "company": "Paypal Holdings, Inc", "date_received": "2024-01-31", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "765108d209e99dd4121a7a54039cc960cdfab05a21475d857a8b46cbcb28123d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear, US BANK/ELAN FINANCIAL SERVICES This letter is in regards to the account ( XXXX ) reporting to my XXXX credit file. I am requesting that you contact XXXX in good faith and agree to delete/remove this account. It is set to be deleted/removed on XX/XX/XXXX which is 16 months from now due to the 7-year limitation negative reporting rule.\n\nThis account was fraudulently opened and used back in XXXX of XXXX. I have repeatedly tried to reach out and have this issue resolved due to the hardship this account has caused by being on my credit report while dealing with the damages of COVID-19. \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": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5225041", "source": "cfpb", "group_id": "cfpb/036829befdd07e6749f6", "variant": "clean", "length_bucket": "short", "chars": 606, "company": "U.S. BANCORP", "date_received": "2022-02-16", "product_raw": "Credit card or prepaid card", "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": "036829befdd07e6749f6c2c9a62c37437b22096f78d5227d782d0e8064afae30", "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!!! \n\nI 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. \n\nI 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. \n\nPolicy states. \n\nAccording to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.\n\n( 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. \n\nTherefore, 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\nFinally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. \n\nIt must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. \n\nIt should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. \n\n\n1. RECEIVABLE RECOVERY bal. {$1800.00} 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. \n\nAccording to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. \n\n1.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. \n\nI 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. \n\nEnclosures : 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 CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX \n\nXXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nXXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX 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": "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/4159380", "source": "cfpb", "group_id": "cfpb/34fc5d497459e5b3edbb", "variant": "clean", "length_bucket": "long", "chars": 7329, "company": "Receivable Recovery Services, LLC", "date_received": "2021-02-23", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "34fc5d497459e5b3edbb3439db5ec1372c36666065aed0ce3134e4c04ab12ee8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Our original and subsequent requests for mortgage assistance in the form of loan modifications, forbearance plans, repayment plans were submitted numerous times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently in XX/XX/XXXX but to no avail. Most recently the process was stalled by the mortgage company from late XX/XX/XXXX to XX/XX/XXXX supposedly waiting for a reply from XXXX XXXX regarding the letter they sent to them on our behalf, thus many months later being told we were denied and that they knew nothing about waiting for XXXX XXXX decision. \nI constantly call them, and I have found that they often never know whats going on with my case. I usually have to refresh their memory, even the so-called Relationship manager has no clue and their XXXX language barrier makes it difficult to communicate properly with them. It feels as if I am talking to a robot. This has been a difficult process and at their request they tell me to reapply for assistance then they deny us for the same reason, they are ignoring the medical situation and car accident that caused the temporary loss income. \n\n\n\n\nXX/XX/XXXX ATTN : ESCALATION DEPARTMENT/APPEAL OF DENIAL Subject : Home Retention Department Loan # XXXX To whom it may concern, In XXXX I suffered severe XXXX XXXX  pain which throbbed/ached at night when I tried to sleep and affected my ability to tie my shoes, walk and perform my work duties, therefore at the direction of my doctor I was instructed to have my XXXX XXXX replaced.  Prior to that I tried XXXX but it didnt help me. I was only XXXX and they said I had the XXXX of a XXXX year old and they said it was genetic. \nI was then scheduled for XXXX on XX/XX/XXXX and afterward I spent 4 months recovering even though I was initially told 2 months. I suffered excruciating pain for 2 months and I was unable to care for myself without help. This took a serious toll on my family, my business XX/XX/XXXXand my mental. Subsequently my XXXX  became XXXX  and it took some time to heal and my XXXX XXXX   became longer. \n\nI spent XX/XX/XXXX slowly recovering, thus subsequently returning to work. \nSecond, on XX/XX/XXXX I was in a horrible car accident which re-injured my replaced XXXX and left me with multiple XXXX in my XXXX and XXXX, and my car was completely totaled. This accident left me unable to walk for two months without assistance. My XXXX  XXXX  left me on bed rest for 8 weeks, thus followed by an additional 8 weeks of therapy. \n\nFinancially I thought I could manage however the insurance company would not pay my lost wages since I am self employed and they led me to believe I would be paid later to tell me they couldnt. \nAnyway I returned to work sooner than the doctor wanted me to so that I can help my family financially. My XXXX income covers 60 percent of our bills therefore not having it hurts us. ( my husband works for XXXX XXXX  XXXX XXXX XXXX XXXX ) Also, my daughter who is in the United States XXXX XXXX is also an occupant of this home, has tried to help us as much as she could but her income is very limited. \n\n\nThird, the repayment plan we were in at the time of my accident had us paying a double mortgage and in conjunction with my medical problems/loss of income..we could not though we tried. \n\nUpon my return to work in mid to late XX/XX/XXXX our income was analyzed by a HUD  approved housing counselor and they ascertained that we can afford to pay a XXXX per month mortgage with a little left over after our bills are paid. The counselor was working on the possibility of you giving us a new repayment plan. \n\nFinally, I am now fully back to work and as of XX/XX/XXXX I have put myself in a situation whereby I can increase my income by 30 percent thus allowing us to pay a double mortgage and save for a rainy day without a problem. We are formally requesting a fourth and final loan modification due to my recent medical condition and subsequent car accident this year. Please consider our request. \n\nI am working hard to start over and improve our finances so that we can move forward in economic success thats consistent. \n\nWe want to stay in our home.this is a place where I run my business and losing it will impact several families that count on quality XXXX XXXX and XX/XX/XXXX services and most importantly, my family that loves this home. \n\nFurthermore upon being denied for a loan modification 3 times because the investor did not allow more than 3. I reached out to XXXX XXXX Corporate offices and I explained my situation and they verbally told me and then sent me a letter alluding to the fact that they would send the servicer ( PHH ) a letter asking them to re-evaluate our request and help us obtain a loan modification for the fourth and final time. \nATTACHED LETTER FROM MY MORTGAGE INVESTOR, XXXX XXXX P.S. \nAt your request I can provide you with proof of my medical conditions by showing hospital records and medical records. \nI have proof of the car accident and insurance company denial letter for lost wages, upon your request. \nI can also provide you with the HUD government approved budget counseling.etc. \n\n\nThank you in advance for your help. \n\nYours Truly, 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/3547186", "source": "cfpb", "group_id": "cfpb/f50ebdd6be561371038d", "variant": "clean", "length_bucket": "long", "chars": 5202, "company": "Onity Group Inc.", "date_received": "2020-02-27", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "f50ebdd6be561371038da6c80ba1a74be4bf93647cb025335a24ec2fa91cf923", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I attended XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX - XXXX of XXXX When I signed up I was told tuition was XXXX. Financial aid would cover not cover all of the tuition and leave XXXX. \nI was offered a private loan for the amount XXXX and was asked to pay XXXX on XX/XX/XXXX for the down payment, leaving a total of XXXX Total Balance due was XXXX for total tuition cost XX/XX/XXXX - XXXX payment ( Cash ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) Extra Charges XX/XX/XXXX SCH Charge XXXX payment ( credit card ) XX/XX/XXXX XXXX Charge XXXX payment ( credit card ) totaling XXXX Amount remaining XXXX would be the remaining balance that does not include the XXXX above charges that were not talked about in the total cost but added after the contract was signed so the actual balance should be XXXX because those additional XXXX charges were not included in the cost. I paid a total of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX After I graduated I had some financial issues and fell behind. In XXXX of XXXX I was contacted by XXXX ( XXXX XXXX XXXX. XXXX ) They informed me that I could make payments for my debt owed to XXXX XXXX XXXX XXXX XXXX / XXXX I believe that XXXX XXXX XXXX XXXX hired another company to collect the debt that was actually owed to TFC. \nI arranged with XXXX to make bi-weekly payments of XXXX until the balance was paid. I did not miss one payment. It has been paid since XXXX of XXXX. I have a letter for proof. I can also provide bank drafts for the XXXX payments made. \nMy credit report is still showing that I owe money to XXXX, it show that it is closed and has an outstanding balance of {$2000.00}, still showing past due as of XX/XX/XXXX this is for the money owed to XXXX XXXX XXXX XXXX XXXX. \nI contacted both TFC and XXXX they do not work together. I was denied a car loan due to the out standing amount. It has caused issues for a few years now. I am not sure how to handle this it is costing me money and I am unable to do anything. I have contacted the credit bureaus and they can not help me even with the letter that was provided.", "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/5912186", "source": "cfpb", "group_id": "cfpb/61de59240d7e95d67b2a", "variant": "clean", "length_bucket": "medium", "chars": 2793, "company": "TFC Credit Corporation of California", "date_received": "2022-08-24", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "61de59240d7e95d67b2a36c70ca1d392625f335d7730cbd9c454d7bbcff7b54f", "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 Chase Bank customer for 35+ years, started when it was part of a small branch bank in a XXXX suburb. That branch bank was then merged into XXXX, XXXX, XXXX XXXX, Chase and JP Morgan. I have had 2 mortgages with them and several business accounts over the years. All paid on time and never late and never an NSF charge in the 35+ years. I check my account everyday several times checking to make sure each transaction is accounted for and is actually mine. So XX/XX/XXXX, I check my account, and it was accurate. I then went to my local branch and tried to make a deposit, and the deposit was not accepted at the ATM with a printed slip saying \" transaction denied ''. I thought it was the machine and went inside and the teller said my account is terminated. WHAT????? I went to speak to an associate and my account showed call Fraud and Loss department. The associate called them and they indicated \" Chase Bank has decided to terminate their relationship with me ''. WHAT???? I said I am not a criminal and have no criminal or fraud record. I have been employed with the same company for 25+ years, and my deposits are from the same company for 25+ years. All my deposits are checks ( maybe a few were cash, after receiving a gift and not wanting to keep large bills in my wallet ). My income and expenses are pretty much the same for 10+ years, there is no sudden {$60000.00} car purchase. There are no international incoming or outgoing wires. I was told by the representative, the decision is final and you are no longer a customer and they do not have to provide a reason why they terminated me. I could have fallen to the ground. I have several personal bank accounts around town, have real estate loans with other banks, and have never been treated like a criminal. \n\nI then received a notice in my online account on XX/XX/XXXX, the day after, that my account has been terminated, even though it was actually terminated on XX/XX/XXXX. There was a number to call to get it possibly reinstated, which I called, and they said the account is terminated. I would never had known, unless I went to the bank on XX/XX/XXXX. On the letter received XX/XX/XXXX, it mentions i did not provide the requested information? What requested information? I have a screenshot of my account and the only notice in the past 30 days was the letter from XX/XX/XXXX. \n\nA friend of mine 's wife is head of XXXX XXXX XXXX and reached out to the head of XXXX XXXX, but no response. A Chase branch manager did reach out to me and said there is nothing that can be done and Chase does terminate accounts with no notice and will not provide the reason. That was so alarming to me, how does the average consumer trust their bank, if they can terminate your account in the middle of the night and your financial lifeline is closed. \n\nIn one of my many conversations with XXXX - anybody at Chase, I said to them, the checks outstanding were written to help soe individuals get back on their feet and get groceries. I said I dont care about me, but please for humanity reasons, please honor those small checks still out on my account, that were written prior to the termination. These individuals are innocent, did nothing and will not only not get the money I am giving them, their bank will charge them fees for a check coming out of a terminated account. I got the canned corporate response, \" Chase does not honor checks from a terminated account ''. I pleaded with them, please, many individuals have gone threw incredible pain the past 12 months with the pandemic, don't make their lives more miserable and let those checks clear from the funds in my account. \n\nMy wife found out from a social group on XXXX within our neighborhood, over 10 people have had their accounts terminated by Chase. This was from a small sampling of probably a few hundred people. \n\nI have searched online and find that Chase does in fact do this action. I have made a complaint to the XXXX, and will follow up with the SEC and Consumer Financial Protection Bureau. I will also reach out to the 3 tv stations in XXXX and producers at XXXX, XXXX XXXX and XXXX. I will also reach out to every member of the Finance Committees in the House and Senate with my story.\n\nThis is a story of someone who works 16 hours a day to provide a better life for their family, than I had. There is no illegal activity or fraud. I am sharing this story, as this could happen to any other Chase customer, this only happens in XXXX XXXX, where they purge your bank account in the middle of the night with no notice. \n\nThe US consumer has to have faith and confidence in their banking industry, their life savings are housed with the bank for their security. Cutting someone's financial lifeline is like taking away their ability to care for their family. Chase has done this before and this should not be allowed. I will be okay, and forget the 35+ year relationship I had with Chase , but it is those that have 1 bank account and their life savings are in a bank like Chase.\n\nI will not stop until executives from Chase are brought forward in front of the finance committees and answer how they have the consumer 's trust, if they terminate accounts with no notice and do not provide the reason.\n\nI hope you will give my story serious thought, as I want Chase to provide confidence to the consumer, that they will not purge people 's accounts with no explanation or no advance notice. The customer is a customer, until they are a proven criminal. I am a 35+ year customer. \n\n\nThanks, 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": "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/4273490", "source": "cfpb", "group_id": "cfpb/0087b150592e11cd48a6", "variant": "clean", "length_bucket": "long", "chars": 5557, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-04-06", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Company closed your account", "text_sha256": "0087b150592e11cd48a6940a2ef704d7683b50a4e55dee6c585d30aad5376025", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I WENT ONTO XXXX XXXX XXXX XXXX LOOKING FOR A ITEM ON XX/XX/XXXX, I PUT A ITEM IN THE CART AND AS I DID AN ADD FLASHED UP ON THE CREEN IN A BOX AND SAID IF I APPLIED AND WAS ACCEPTED I WOULD RECEIVE {$15.00} OFF MY FIRST TOTTAL OF PURSHASE, SO I AAPLIED AND WAS APPROVED. THEN I TRY TO ORDER BUT NEVER RECEIVED A COUPON OR TEMPORARY NUMBER TO SO I COULD PLACE MY ORDER? SO I CALL THE BANK AND WAS TOLD OR WERE SORRY YOU SHOULD HAVE RECEIVED A EMAIL AS SOON AS IT WAS APPROVED? BUT I NEVER DID, SO SHE SAID ILL HAVE TO WAIT TILL MY CARD CAME IN THE MAIL, SO 9 DAYS LATER I RECEIVED MY CREDIT CARD, BUT NO COUPON FOR THE XXXX XXXX OFF. SO I CALLED THE BANK AND THEY PASSED THE BUCK TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT, THEN THEY SAID THEY DIDN'T KNOW WHY THE BANK SAID TO CALL THEM THAT THEY DIDN'T HAVE ANYTHING TO DO WITH IT TO CALL THE BANK BACK SO I DID, THEN THE REPRESENTATIVE FROM THE BANK SAID WE DON'T HANDLE THE DISCOUNTS ETC,, SO I GOT XXXX AND ASKED TO SPEAK TO A SUPERVISOR, EXPLAINED TO HER WHAT WAS GOING ON AND SHE AT FIRST SAID THE SAME THING THEY DON'T HANDLE THE DISCOUNT COUPONS OR SPECIALS I SAID THIS IS XXXX AND KINDA LET HER HAVE IT IN A PROFESSIONAL WAY, TOLD THE PRIOR REP THAT I WAS GOING TO MAKE A COMPLAINT WITH YOUR DEBT, FINALLY SHE SAID TO HOLD ON MINUTE SHE WOULD TRY TO SEE WHAT SHE COULD DO, SO SHE GOT BACK ON AND SAID THE WAS A PROMOTION IF YOU AGREED TO A TEXT I WOULD THEN RECEIVE XXXX CREDIT TO MY ACCOUNT I SAID FINE I'LL DO IT, THEN SHE SAID FOR ALL MY HASSLE THAT SHE WOULD AS A COURTESY APPLY THE XXXX TO MY ACCOUNT AND IT WOULD SHOW UP ON MY NEXT STATEMENT. I FEEL THIS WAY OF CONNING PEOPLE BASICALLY DOING A BAIT AND SWITCH TO GET YOU TO SIGN UP FOR CARD IS UNETHICAL AND UNPROFESSIONAL .AND SHOULD BE ILLEGAL.AND THEY SHOULD GET IN TROUBLE FOR THESE 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3090770", "source": "cfpb", "group_id": "cfpb/63a5ac403ede69cbe567", "variant": "clean", "length_bucket": "medium", "chars": 1810, "company": "Bread Financial Holdings, Inc.", "date_received": "2018-12-04", "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": "63a5ac403ede69cbe5676feed50f501064c87c2ce70500955d6a455f8dd58a6f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I suffered a total loss of the XXXX XXXX XXXX, XX/XX/XXXX in an accident that I was not liable for. \n\nA check for {$10000.00} was written by my insurance company XXXX on XX/XX/XXXX. I was told by Nissan, to send in a VSC Cancellation form and all of my warranty contracts such as GAP, service plan, maintenance, and tire/wheel would be cancelled. I sent in the VSC cancellation form on XX/XX/XXXX and continued to call the total loss department to see if it had been cancelled. I was told they were still processing everything and were waiting to get more documentation ( proof ) of the total loss from XXXX. \n\nI called XXXX no less than 25 times from the date of my accident until XX/XX/XXXX when they finally said everything had been taken care of theyd sent a copy of the check to Nissan ( although they had already cashed it ), police report, and salvage records proving it had been taken to auction. \nXX/XX/XXXX I received a call from the Total Loss department of Nissan stating I had an outstanding balance of around + {$1500.00}. They stated I had been delinquent in payment of my note for the past few months and my credit had taken several hits because of this. I was completely dumbfounded. The lady assigned to my case said I first needed to sign a document for a 30-day extension to pay the balance. Once that is approved, I needed to contact gap to file a claim. \n\nI called GAP, to file a claim around XX/XX/XXXX. They stated they needed more documentation to do so. Also, I needed to call Nissan back and have them cancel each of my contracts. I told her Id done this back in XXXX. GAP stated they had nothing to do with this and could not assist until Ids spoken with Nissan.\n\nI called Nissan the same day I first spoke with GAP to cancel any existing contracts. My Case # is XXXX. They cancelled my maintenance plan for {$210.00} on XX/XX/XXXX. I called GAP back, hoping to now file a claim to see if they would cover the gap between my contracts and what my insurance company paid for the vehicle. GAP stated I also had a tire and wheel contract, and a service plan. I asked them for the contract numbers and they claimed they could not see them, but it stated in their system I had them. \nI called Nissan back who stated I needed to contact the dealer where I bought the vehicle to cancel the tire and wheel. As for my service plan, they could not find it. The dealership where the vehicle was purchased, XXXX XXXX of XXXX was sold in XXXX or late XXXX after I purchased the car. It is now XXXX XXXX of XXXX. There was no way to speak with the dealer as that particular place no longer existed. Nissan looked into this and confirmed the dealership had indeed been sold. No further action was taken by them to attempt to override this and cancel the plan. \n\nI contacted Gap once again to ask them exactly what documentation was needed. They stated they needed proof of payment from XXXX with the dollar amount listed, a police report, and proof all contracts had been cancelled with the amounts listed. I told them the maintenance plan had been cancelled, but the two others Nissan was refusing to cancel for me. They once again stated there was nothing they could do until I had all three contracts cancelled.\n\nAs the 30-day extension was approaching, I contacted the initial lady whod called me in the first place to inform me that this second car and balance had been sitting on my credit since XXXX. I informed her of the run around I was getting and she sympathized, as she stated she could easily see the contracts and would be willing to send me each of them I signed that evening dealing with the tire/wheel, maintenance, and service plan. She found this very strange since the department Id been having all these issues with was whod sent them to her when my car was deemed a total loss. The three documents were password protected ; XXXX is the password. I sent these documents to both Nissan and GAP on  XX/XX/XXXX. I also sent the police report and proof of payment to GAP. \n\nNissan called me on XX/XX/XXXX stating theyd received the documents but they were password protected. I called and gave the lady the password and she looked over each contract. Much to my dismay she says okay I can go ahead and cancel the maintenance plan. I was completely outdone. I stated Id received an email a month before saying it had already been done. She had no idea what she was talking about. I said I need the tire and wheel and the service plan cancelled. The tire and wheel, based on the XXXX odometer reading they should both be prorated back to the balance left as of XX/XX/XXXX. The lady on the phone tells me to go to the dealership and have them cancelled. I explain for the hundredth time the dealership was sold to someone else. She tells me I should XXXX tire and wheel contract and see if I can get a company to cancel it that way. I ask her about the service plan and she continues to mention the tire and wheel contract, completely wasting my time once again. We end the call and I am no closer to getting anything done, besides now knowing they have at least received them. \n\nMy credit was not the best but I was working on it. When I bought the vehicle I have now, a XXXX XXXX at XXXX XXXX of XXXX, Id been told by XXXX if I take a copy of the lien satisfaction letter to them when I go to buy the car they should be able to run my credit as if the other is not on there. At the time I was told XXXX would be working with Nissan to get the contracts cancelled. This was not true. \n\nI did not realize until XXXX the XXXX was still on my credit and had been all this time. I am ashamed, frustrated, and can not purchase anything or move as I would like to when my lease is up as I have a second car that no longer exists on my credit. I have exhausted all of my efforts and have even attempted to speak with a manager at XXXX XXXX XXXX XXXX to rectify this to no avail. Please assist me in not only getting these contracts cancelled as of XX/XX/XXXX, but to assist me in returning the points lost on my credit score 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3026542", "source": "cfpb", "group_id": "cfpb/9efdb8b97995d896ec2b", "variant": "clean", "length_bucket": "long", "chars": 6059, "company": "NISSAN MOTOR ACCEPTANCE COMPANY LLC", "date_received": "2018-09-22", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Vehicle was damaged or destroyed the vehicle", "sub_issue_raw": "", "text_sha256": "9efdb8b97995d896ec2ba18e807ae9e1fa4f8cc826f5738724280f6e7b1c906d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I disputed a XXXX  XXXX XXXX  XXXX inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2984221", "source": "cfpb", "group_id": "cfpb/1e6a5a0326203360bccd", "variant": "clean", "length_bucket": "short", "chars": 243, "company": "EQUIFAX, INC.", "date_received": "2018-08-07", "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": "1e6a5a0326203360bccd6f485710533bc995a279546811409aeadfcde106d117", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Fifth and third bank bought our mortgage for our original lender before covid happened. During covid me and my husband lost our jobs and where unemployed for about 3 months so we got behind on our mortage by 4 payments but we have been paying on time ever since. We got on one of the covid plans with our mortgage company and signed paper work to put our missed payments on the end of our loan. They refuse to honor that. We have been fighting with them for a year now about it. They keep sending us loan modifications that raise our monthly payments and we keep telling them we arnt signing them. We applied for a grant threw XXXX to get this taken care of. I applied in XXXX and they have been waiting on fifth and third to respond to their request since then. We have called them multiple times and told them this so they would contact them. They deny that they did try and contact them but then say that they did. Fifth and third call and harass us for payments constantly and we tell them the same thing every time they call. To either honor our original agreement to put the missed payments on the end of our loan or respond to the program we applied for and they dont want to do either and just make excuses. Now they took 2 payments from our bank account last month and are refusing to credit them to our account. Something needs to be done because this company is ridiculous and no one you talk to seems to have any answers.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6299419", "source": "cfpb", "group_id": "cfpb/cbd50c2055e2f2f59bdb", "variant": "clean", "length_bucket": "medium", "chars": 1433, "company": "FIFTH THIRD FINANCIAL CORPORATION", "date_received": "2022-12-08", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "cbd50c2055e2f2f59bdbcfce01e65909f046def5b681ab6ce0dc0d3d68376da8", "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 forwarded to Harris and Harris Debt Collectors. I set up a payment plan of {$330.00} per month until my debt was owed. I was able to pay off my debt in full on XXXX XXXX, 2020. They took out a payment on XXXX/XXXX/2020 of {$330.00}. I called and explained the situation and they told me they would give me a call back. no call back was received. I called again. They told me they had received another debt and that payment would be applied towards that one. I did NOT give them permission to do that, because I had paid off that debt with the originating hospital. As of XX/XX/2020 at XXXX eastern, i have called them 3-4 times about this issue of getting my money back and have been told every time that a supervisor would call me back. I have not received any 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": "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/3934437", "source": "cfpb", "group_id": "cfpb/4f62a7f7cdbcdaeb7e1e", "variant": "clean", "length_bucket": "short", "chars": 789, "company": "Harris & Harris, Ltd.", "date_received": "2020-11-03", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "4f62a7f7cdbcdaeb7e1ecfd8a279ab0e058217c5436eb866181b34da09c4a00d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On early morning XX/XX/2023, as I woke up and opened my phone, I immedialy saw unusual acitivites from my debit account. Someone tried to use my debit account information to purchase total of {$380.00} for XXXX  XXXX XXXX XXXX XXXX and I also got charged {$11.00} for international fee. I immedeialy called my bank Well Fargo customer service to close my card and dispute these unauthorized transactions. After 10 business days of investigation, bank customer service told me they could not get my money back because these unauthorized transactions were made by chip reader. I told them that was impossible because I stayed in USA and didnt even leave out of country to purachae something overseas. I gave them my working visa to prove. After a few days, they told me they could not get my money back because they thought I used it. I lost almost {$400.00} for buying nothing. What if it happened to me again in the future with higher amount?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6970519", "source": "cfpb", "group_id": "cfpb/a22f076eeef36980361c", "variant": "clean", "length_bucket": "short", "chars": 942, "company": "WELLS FARGO & COMPANY", "date_received": "2023-05-12", "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": "a22f076eeef36980361c904240e6d62167a2550d4f37cfc1f3938f32cd85e104", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have XXXX accounts with upstart. XXXX is 3 months late. Upstart cancelled my auto payments, I haven't been able to access the account as the email address associated with it, I no longer have access. I have reached out to upstart to schedule a meeting when I can talk with a supervisor, but they won't schedule an meeting. Instead, despite me telling them I work and can't just randomly take phone calls, they continue to ignore my meeting requests and instead just call me whenever which is always when I am at work. They won't help me gain access to my account. When I talk them to request a payment plan that will get me caught up to speed, I am told tough luck.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/9452341", "source": "cfpb", "group_id": "cfpb/291864a0571dc4746b5f", "variant": "clean", "length_bucket": "short", "chars": 667, "company": "Upstart Holdings, Inc.", "date_received": "2024-07-08", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "291864a0571dc4746b5f47855b545c630a2f08db3976122e5ec29e553f30b25e", "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 items listed below still remains 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 verifiedthat these items is being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/10621398", "source": "cfpb", "group_id": "cfpb/c23184560569be7cd761", "variant": "clean", "length_bucket": "medium", "chars": 1523, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-10-29", "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": "c23184560569be7cd76176ee3e351197f0369f28706bca34ff45195fa18a1fba", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On Wed XX/XX/XXXX, I received a text message of a {$310.00} charge at XXXX. Since I am the ONLY authorized user of the card, I knew the charge be fraudulent. \nAt XXXX on XX/XX/XXXX a call was made to the service center at XXXX XXXX, but after 11 minutes on hold, the banks system disconnected the call without ever transferring me to an associate. I was unable to immediately call back since I was driving home from work at that time. \nAt XXXX pm on XX/XX/XXXX a successful call was place to your center and a dispute was placed for the previous mentioned charge. During the call I was asked if I had the card in my possession and I indicated that I had the card in my possession and it was in the desk I was calling from at my home. I asked that the card be re-issued with a different card number since the card had obviously been compromised. Your associate then issued a new card # XXXX On XX/XX/XXXX I received a letter that my dispute had been denied since the card was protected with an EMV Chip. \nA call was place to your service center on XX/XX/XXXX and I explained to you associate that this was not possible since the card was in my desk the entire time and this was the only card that had been issue for that charge account. She indicated that it can go to a further dispute that would take 30 days. \nOn XX/XX/XXXX, I received a letter indicating that my 2nd dispute was denied and to let the bank know if I would like the copies of the research used to make the decision. \nXXXX XX/XX/XXXX, I call your service center to request the documents used in the decision and was told that there were no documents. It was once again denied because the card issued was a EMV chip card. I again told the associate that this was not possible and asked if my only alternative was a legal dispute. She then transferred me to a manager who was equally unhelpful. He seemed convinced that someone in my household took the card and used it, the rushed home to put it back in the drawer that I keep the card in. He said that I should do the research, file a police report and resubmit the claim.. At this point I can only conclude I would get the same answer again. From start to finish this process took 43 days and NO reasonable research was made by the bank. \nPlease be aware of the following based on my research XXXX. In recent history have only used the 5th 3rd card for fuel purchases 2. I have not shopped at the XXXX store that the fraudulent purchase was made at in over a year 3. I went to the XXXX store in question and received a copy of the receipt which has items on it that neither me or my family would have purchased 4. The XXXX employee, who was very helpful, said that the video surveillance is only kept for 30 days, so the delay in 5th 3rd doing any reasonable research on the the claim kept me from getting any video of the purchase. She also was surprised that the bank did not honor the dispute and she said this happens all the time 5. 3 people live in the household where the card is kept. I checked my XXXX alarm video and it revealed the following individuals entering the home around the time of the transaction. My wife entered at XXXX after getting the mail. At the time of the fraudulent purchase, she was recovering from torn knee ligaments and unable to drive, so it would not have been possible for her to make the purchase and return home in 2 minute since the XXXX in question is almost XXXX miles from our home. My son arrived home from work at XXXX. He worked until XXXX, which means he would have had to drive XXXX miles in rush hour traffic and get to the XXXX store in XXXX minutes to make the purchase, then drive another XXXX miles to get home. That would be a total of XXXX miles in rush hour traffic plus entering the store to make the purchase. I left my office at XXXX and would have had to drive XXXX miles in XXXX minutes to make the purchase. All 3 of these scenarios are IMPOSSIBLE. \n\nA letter sent to the corporate office at 5th 3rd bank was mailed on XX/XX/XXXX and has not been responded to. by 5th 3rd 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": "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/6200516", "source": "cfpb", "group_id": "cfpb/693348f19448b12c596b", "variant": "clean", "length_bucket": "long", "chars": 4058, "company": "FIFTH THIRD FINANCIAL CORPORATION", "date_received": "2022-11-15", "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": "693348f19448b12c596b4fab62851b5f925321f675048a38db931632fec2cf78", "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 for Account # XXXX, Application # XXXX, I was denied my right to initiate the above mentioned consumer credit transaction, in which I have not received any benefits from the use of my credit, yet I have provided my personal information. The denial of my right to extended credit caused me mental and financial distress.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8557633", "source": "cfpb", "group_id": "cfpb/dec2cd8e13672d2eb0cc", "variant": "clean", "length_bucket": "short", "chars": 333, "company": "ENOVA INTERNATIONAL, INC.", "date_received": "2024-03-15", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "dec2cd8e13672d2eb0cca15fa9db3a245f361bf884989a8a627b800806eafa33", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Respected Sir/Madam Good Morning, This is XXXX XXXX XXXX. I just called the consumer financial protection bureau and they informed me about this online complaint portal. \nI am a customer of citi bank. On XX/XX/XXXX, I made an international wire transfer to XXXX XXXX XXXX ( XXXX. XXXX ) from a citi bank branch XXXX. I went to the branch and requested for an international wire transfer. The representative of the bank gave me an information sheet to complete by hand. I completed it and returned to the representative. Then, she completed some online application and gave me a print out. According to the printout the money should have been available on XX/XX/XXXX or sooner. Recipient did not receive the money on XX/XX/XXXX. That was Thursday. The next day was Friday. It is weekend on Friday and Saturday in XXXX XXXX XXXX. So, me and recipient thought that because of weekend maybe the money is not available. The recipient went to his bank on Sunday, which is a working day there to confirm incoming wire. His bank said that there is no record of it. I went to same branch on Monday and they told me that sometimes it can be delayed.On Monday evening here in USA, I got a communication copy of message between recipient and recipients bank customer relations office. The customer relations officer told him to get copy of swift message of original wire transfer from senders bank. I went to branch again on Tuesday XX/XX/XXXX. I met the representative and informed her the same. She told me there is nothing like swift message and only thing is the document that she gave me. I insisted her and she took me a room and made a phone call and transferred me the call. i assume it was someone from wire transfer department of Citi bank. I explained her the problem. She told me that she is going to initiate the trace of wire. I called Citi Bank again and informed them that the recipient has not received the wire. I told the representative to send me copy of swift message of original wire transfer and copy of swift message of the trace. Friday evening, I got the copy of swift message for the trace but until now I have not received copy of original swift message copy of wire transfer so recipient bank can work to trace. The recipient just called me and informed me that until today the bank has not received the wire. \nI am not only loosing money due to this delay but me and my wife are very stressed and worried now because the amount of transfer is USD {$100000.00} I have also sent 4 or 5 emails to officers of XXXX XXXX branch NY. As, i came to know that it was intermediary bank. But, I am not sure about it. \n\nMy information XXXX XXXX XXXX Account at Citi bank Citi bank Account number XXXX Date of Wire XX/XX/XXXX Amount of wire transfer USD {$100000.00} Citi Bank branch used to wire transfer XXXX in XXXX NY Citi Bank Reference XXXX it is requested to the department to interfere in the matter. \n\nYour cooperation is appreciated in advance. \n\n\nXXXX 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": "money_not_available", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/2861438", "source": "cfpb", "group_id": "cfpb/fc7d4a30e277f94e9551", "variant": "clean", "length_bucket": "medium", "chars": 2977, "company": "CITIBANK, N.A.", "date_received": "2018-04-02", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "fc7d4a30e277f94e9551956610e0da4892c7717cafff2a2172f4038ac2bb0232", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Date is XX/XX/2021 Am  XXXX XXXX from XXXX Texas XXXX the complaint is about Power Finance Texas was sent to you via mail about the company Power Finance Texas about getting wrong Information about me about obtaining for some payday/loan. \nnever got a reply twice. \nToday found go another saying they can not approve service at this time date XX/XX/2021. \nThe denial is Dated is XX/XX/2021. \nThe date XX/XX/2021 falls on a Friday I never tried to apply I call the abuse they need to stop and it is XXXX XXXX XXXX this abuse Am willing to fill a lawsuit against this company for for damages and abuse obtaining bogus pay/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/4415844", "source": "cfpb", "group_id": "cfpb/b84e87873f6d7667de65", "variant": "clean", "length_bucket": "short", "chars": 625, "company": "Big City Finance, LLLP", "date_received": "2021-05-28", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Improper use of your report", "sub_issue_raw": "Credit inquiries on your report that you don't recognize", "text_sha256": "b84e87873f6d7667de65f3f88f446984025993a954a51d1a9dae4bc73be5bd10", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I XXXX XXXX entered a consumer credit transaction with PayPal ( \" Synchrony Bank '' ) on XX/XX/XXXX. I investigated and found fraud and several violations committed by PayPal ( Synchrony Bank ). A consumer credit transaction in which finance charged was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction the finance charge does not include cash, Synchrony Bank ( Pay Pal ) in fact took electronic cash from me as monthly payments as shown in Exhibit F. 15 USC 1666d ( b ) 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 creditor in 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 ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer. Synchrony Bank ( Pay Pal ) in fact produced false and misleading statements that I owe the alleged debt on a positive balance due, Synchrony Bank ( Pay Pal ) has failed to provide me with a credit to my account and has failed to make a good faith effort to refund to me by cash, check, or money order any part of the amount of the credit balance remaining as shown in Exhibit A and Exhibit F. 15 USC 1692c ( c ) ; ceasing Communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Synchrony Bank ( PayPal ) in fact continues to communicate with me after Synchrony Bank ( Pay Pal ) acknowledged on XXXX XXXX XXXX stating the account was not previously coded for cease and desist as shown in Exhibit D. Also, Synchrony Bank ( PayPal ) stated in Exhibit D they plan to continue to send me future communications as shown in Exhibit B and C. 15 USC 1692d ( 1 ) ; the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Synchrony Bank ( Pay Pal ) in fact has sabotaged my reputation by threatening to report as shown in Exhibit A and is reporting fraudulent and delinquent information to third parties as shown in Exhibit E. 15 USC 1692d ( 2 ) ; 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 : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Synchrony Bank ( Pay Pal ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language as shown in Exhibit A and Exhibit B. 15 USC 1692e ( 2 ) ( A ) ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. Synchrony Bank ( Pay Pal ) in fact has provided me with a false representation on the amount of the alleged debt as shown in Exhibit A. 15 USC 1692e ( 10 ) ; the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Synchrony Bank ( Pay Pal ) in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt as shown in Exhibit A. 15 USC 1692f ( 1 ) ; 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 : ( 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. Synchrony Bank ( Pay Pal ) in fact attempts unfair debt collection monthly as shown in Exhibit A and Exhibit F. 15 USC 1692f ( 7 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 7 ) Communicating with a consumer regarding a debt by post card. Synchrony Bank ( Pay Pal ) in fact has communicated with me regarding the alleged debt by post card as shown in Exhibit C. 15 USC 1692f ( 8 ) ; 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 : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Synchrony Bank ( Pay Pal ) in fact uses a symbol other than the debt collectors address and it indicates that Synchrony Bank ( Pay Pal ) is in the debt collection business on an envelope when communicating with me via physical mail and telegram ( e-mail ) as shown in Exhibit B and Exhibit C. 15 USC 1692h ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer. Synchrony Bank ( Pay Pal ) in fact has applied such payments to the alleged debt / disputed by me as shown in Exhibit A and Exhibit XXXX I have disputed the alleged debt since XX/XX/XXXX, as shown in Exhibit XXXX In addition, Synchrony Bank XXXX Pay Pal ) has failed to apply such payment in accordance with my directions as shown in Exhibit XXXX The following attachments were received by Pay Pal Synchrony Bank : Affidavit of Truth, Invoice, Cease and Desist Letter, Exhibit A, B, C, D, E and F on XX/XX/XXXX. Synchrony Bank has failed to provide me with a response to the Affidavit of Truth and continues to commit the violations mentioned above. I will also attach the return receipt signed by a Pay Pal Synchrony Bank employee and the certified mail receipt I receive from 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/4755715", "source": "cfpb", "group_id": "cfpb/7a0371f84d6819e8d4f2", "variant": "clean", "length_bucket": "long", "chars": 6945, "company": "SYNCHRONY FINANCIAL", "date_received": "2021-09-26", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "7a0371f84d6819e8d4f20c6bfbeed6252c508050bcdcd659a98e05a6c5b43497", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Companies involved XXXX XXXX XXXX FTL Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI placed a ticket for a leak in my Central AC unit with my XXXX XXXX XXXX XXXX XXXX XXXX, apparently XXXX XXXX  took the assignment. Unfortunately, instead of trying to fix my unit and share with my that my current unit was still under 8 years warranty, their goal was to sell me a new unit. \nTheir sales tactics were unethical and a cooling system was sold under false perceptions and intentions. This is a recount of how I came to do business with this/these companies. I was having Central Air leakage through my ceiling. I made a claim to XXXX XXXX XXXX and they sent XXXXXXXX XXXX \n1, When XXXX arrived he asked what the problem was, I explained what was occurring. \n2. I explained there were repairs completed a couple of years ago however I was not sure exactly what was fixed. \nXXXX. XXXX shared with me that they have 3 units they were trying to sell and he could offer me a good deal. He explained that they carry XXXX products and that I would get a XXXX if I agreed to go with them. However, he stated that he would take a good look at the system and let me know what was going on. \n4. I learned that there was a leak in the system when I noticed XXXX on the side of the house adding coolant at which time he stated there was a leak and that it would only get worse over time and eventually XXXX will no longer cover. \n5. After XXXX left, I called him back stating that I would move forward, however I had no knowledge that my current system was still under an additional 8 year warranty, as it had only been installed in XXXXXXXX XXXX XXXX I was later informed by the installer of my former system that this is something XXXX should know, however he chose to pursue the path of selling a new AC unit. \n6. I feel lied to and tricked into replacing a unit that was still under warranty.\n\n7. Additionally, I feel deceived into taking on a financial responsibility that was purely preventable and unnecessary. \nI ended up purchasing a new Central Air unit for XXXX. XXXX with XXXX shared with me that the financing would say XXXX as they are a brother/sister company who does the installation. I assumed this was not a problem until I learn I had ben swindled and tried to file a complaint with the finance company about XXXX XXXX and they stated they could not assist me because XXXX XXXX was the company I financed for. I believe these companies are working together and participating in fraudulent and unethical behavior and are swindling people out of thousands of dollars. I can not afford to take on a bill that was created out of vender dishonesty and lack of transparency. \n\nPlease call me.Companies involved XXXX XXXX XXXX FTL Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI placed a ticket for a leak in my Central AC unit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apparently XXXX XXXX took the assignment. Unfortunately, instead of trying to fix my unit and share with my that my current unit was still under 8 years warranty, their goal was to sell me a new unit. \nTheir sales tactics were unethical and a cooling system was sold under false perceptions and intentions. This is a recount of how I came to do business with this/these companies. I was having Central Air leakage through my ceiling. I made a claim to XXXX XXXX XXXX and they sent XXXXXXXX XXXX \n1, When XXXX arrived he asked what the problem was, I explained what was occurring. \n2. I explained there were repairs completed a couple of years ago however I was not sure exactly what was fixed. \nXXXX. XXXX shared with me that they have XXXX units they were trying to sell and he could offer me a good deal. He explained that they carry XXXX products and that I would get a XXXX  if I agreed to go with them. However, he stated that he would take a good look at the system and let me know what was going on. \n4. I learned that there was a leak in the system when I noticed XXXX on the side of the house adding coolant at which time he stated there was a leak and that it would only get worse over time and eventually XXXX will no longer cover. \nXXXX. After XXXX left, I called him back stating that I would move forward, however I had no knowledge that my current system was still under an additional 8 year warranty, as it had only been installed in XXXX of XXXX I was later informed by the installer of my former system that this is something XXXX should know, however he chose to pursue the path of selling a new AC unit. \n6. I feel lied to and tricked into replacing a unit that was still under warranty.\n\n7. Additionally, I feel deceived into taking on a financial responsibility that was purely preventable and unnecessary. \nI ended up purchasing a new Central Air unit for XXXX. XXXX with XXXX shared with me that the financing would say XXXX as they are a brother/sister company who does the installation. I assumed this was not a problem until I learn I had ben swindled and tried to file a complaint with the finance company about XXXX XXXX and they stated they could not assist me becausXXXX XXXX XXXX was the company I financed for. I believe these companies are working together and participating in fraudulent and unethical behavior and are swindling people out of thousands of dollars. I can not afford to take on a bill that was created out of vender dishonesty and lack of transparency. \n\nPlease call me, 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": "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/9405845", "source": "cfpb", "group_id": "cfpb/f1592b4716c778b9f5eb", "variant": "clean", "length_bucket": "long", "chars": 5412, "company": "Lewis & Clark Capital LLC", "date_received": "2024-07-02", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "f1592b4716c778b9f5eb9faca1f4fd29999c5f79da1b7900fd9f5d1a51b4cf7d", "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 {$300.00} down payment for parts and services to XXXX XXXX XXXX through Cash App. ( Square , Inc ). On XX/XX/XXXX I sent another {$120.00} to her boyfriend ( XXXX XXXX ). After weeks, then months of being lied to and misled, I filed a complaint with Cash app support on XX/XX/XXXX. They responded with sympathy and asked that I contact my bank and they would work directly with them to resolve the issue. My bank is another issue, but they did open a case for one of the transactions. My bank did inform me that the transactions are out of their time frame for a ruling in my favor. I right away ( XX/XX/XXXX ) contacted Cash app to discover they closed the case because they hadn't heard from me. They reopened the case and I went through the steps to reinitiate the complaint and they responded with and email saying my Cash App account is closed and I can no longer send or receive payments. I responded to the email asking how are the two crooks being held accountable, but they have ignored me. Can you please help me. I also sent money through XXXX to these crooks and they have already credited my account. Appreciated 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"}, "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/3227264", "source": "cfpb", "group_id": "cfpb/b4413ae72a6dd64ed1c0", "variant": "clean", "length_bucket": "short", "chars": 1177, "company": "Block, Inc.", "date_received": "2019-04-30", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "b4413ae72a6dd64ed1c017720700b4c5023e1e68d363147b13bfde2da719971e", "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 BMO regarding their deceptive practices and discriminatory lending behaviors. These actions not only violate federal laws but also undermine consumer trust and perpetuate systemic inequalities within the financial services industry.\n\nBMO 's Deceptive Advertising and Lack of Transparency : I recently encountered BMO 's advertising promoting their financial services, particularly emphasizing their \" no doc loans. '' Intrigued by the possibility of obtaining a loan without extensive documentation requirements, I decided to explore this option further. \n\nHowever, upon initiating the application process with BMO, I was dismayed to discover that they failed to disclose the nature of their \" no doc loans '' until after my credit had been run. This lack of transparency is highly misleading and concerning. Consumers like myself rely on accurate and upfront information to make informed decisions about their financial options. \n\nBy withholding crucial details about their loan products until after a credit check has been performed, BMO puts applicants in a vulnerable position, leaving them unaware of the terms and conditions they are potentially agreeing to. This lack of transparency not only undermines consumer trust but also violates fair lending practices. \n\nFurthermore, the evident disconnect between BMO 's advertising and the reality of their loan application process suggests a deliberate attempt to lure in customers under false pretenses. Such deceptive practices not only harm individual consumers but also contribute to an environment of distrust within the financial services industry. \n\nDiscriminatory Lending Practices : In addition to the concerns raised against BMO for deceptive advertising, they have also engaged in multiple violations of federal laws governing lending practices and discrimination against small businesses, including mine, XXXX XXXX XXXX. \n\nThe specific laws violated by BMO include : 12 USC 1431 : All banks are required to offer XXXX XXXX XXXX XXXX XXXX, access to loans ranging from {$50000.00} to {$250000.00} without prejudice. This obligation extends to considering our applications for credit lines and credit cards without discrimination. \n\n15 USC 1602 : Lending discrimination is strictly prohibited under federal law. Banks are prohibited from discriminating against individuals, businesses, or loan locations. By denying us loans and financial products without proper consideration, BMO is in direct violation of this statute.\n\n42 USC 12203 : This statute ensures protection against retaliation. Threatening to delete our accounts due to our inquiries about small business products constitutes retaliation and interference with commerce.\n\n15 USC 1691-1691E : The Consumer Credit Protection Act prohibits denial of credit and discrimination against consumers, including XXXX XXXX XXXX XXXX XXXX.\n\n26 USC 195-B : Start-up expenditures can not be denied under federal law. BMO is obligated to provide start-up funds, yet it has failed to do so without valid cause or consideration.\n\n12 USC 1451D : Banks are required to consider new corporations and allocate at least {$50000.00} for new businesses. BMO 's failure to adhere to this obligation is a clear violation of federal law.\n\nMoreover, discriminatory practices within BMO have been observed, with individuals who have received loans and financial products being predominantly male and white. As a XXXX, XXXX XXXX, we demand fair treatment and equal access to financial services as protected under various federal and state anti-discrimination laws.\n\nRequest for Investigation and Enforcement Actions : I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into BMO 's deceptive advertising practices and discriminatory lending behaviors. It is imperative that regulatory standards regarding transparency, fair lending, and non-discrimination are upheld within the financial services industry.\n\nFurthermore, I request your assistance in facilitating a resolution to our grievances and holding BMO accountable for their actions. Consumers seeking financial services deserve to be treated fairly and honestly throughout the application process, without fear of deception or discrimination.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8723774", "source": "cfpb", "group_id": "cfpb/6d5283f78dfd2395529d", "variant": "clean", "length_bucket": "long", "chars": 4274, "company": "BMO Bank, N.A.", "date_received": "2024-04-08", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "6d5283f78dfd2395529d829473424b06b62825c67ae0da35384404b464dcce22", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have had a WellsFargo personal loan that originated XX/XX/XXXX. All payments have been made on time and account was up to date. \n\nXX/XX/XXXX : I called to get the early payoff amount and make a payment to close the account ( {$4000.00} principal plus {$260.00} interest ). The account I was paying from was a non-WellsFargo account. My information was collected and I was assured the payment would be processed. I was given a confirmation number and this was on a WellsFargo recorded line. As of this date, this account was not longer accessible through their customer online access so I could not access any activity to my account. \n\nXXXX XXXX XX/XX/XXXX : I routinely checked the debit account from which I had requested payment and the funds were never drawn. I had not received any communication from WellsFargo that there was an issue with the payment. \n\nXX/XX/XXXX : I contacted WellsFargo and was told that the previous agent that took my payment entered the debit account number incorrectly and the payment was not made. She took my payment information again, confirming on a WellsFargo recorded line that she would make the final payment and close the account. She also suggested we do a stop payment for the automatic payment that was scheduled for that day. I agreed to this as well assuming that the remaining balance and interest as of XX/XX/XXXX ( the original payment date ) would be made on XX/XX/XXXX and the account closed. She also reactivated access to this account through the customer online portal and noted that she had no idea why it would have been removed from my access. \n\nXX/XX/XXXX : I received an email from a case manager at WellsFargo stating they were looking into the issue. Case manager name and number was provided. XXXX XXXX. \n\nXX/XX/XXXX : I sent an email to XXXX asking about the status of the payment since the payment still had not processed and my account was now indicating it was past due. No reply. \n\nXX/XX/XXXX : I contacted XXXX to check the status as my payment had still not processed and the account was now past due. He stated he had not yet started on the case and I had to wait another \" few days '' and he would be in touch. \n\nXX/XX/XXXX : Sent another email to XXXX, expressing my concern that the account was saying past due and I was receiving multiple communications from WellsFargo that it was delinquent. I wanted to avoid any issues as I have never been delinquent on this account ( and because of the issues I had closing out the last Personal Loan at WellsFargo. No reply. \n\nXX/XX/XXXX : I called the local branch looking for help in resolving this issue and closing the account. They contacted the case manager and relayed that they had spoken with them and they were working on the issue. \n\nXX/XX/XXXX : The local branch called to confirm payment ( again ) in the payoff amount from XX/XX/XXXX. I confirmed the bank information and authorized payment ( again ) .As of this date there were no late fee assessments on my account. \n\nXX/XX/XXXX ( morning ) : Received an email from the local branch ( different person ) asking again for confirmation to make the payment. I again agreed, stating that the payment is only authorized for the amount due from XXXX XXXX.I checked the loan account on the WellsFargo platform and NOW there was a late fee charge with a transaction date of XX/XX/XXXX. This fee did not appear until XX/XX/XXXX but had a back date of XX/XX/XXXX. \n\nXX/XX/XXXX ( afternoon ) : I received a call from XXXX ( case manager ) who stated that he found NO evidence of a bank error and that I needed to rectify the account, including the additional interest and late payment fee. I sent him a screen shot of my online banking to illustrate exactly what happened. He stated he would need \" a few more days '' to pull the recordings. Also stated that if the erroneous late payment had already been submitted to the credit bureaus it would take awhile to get that corrected. I asked to speak to a supervisor and there were none available. He took my number to have a supervisor contact me directly. Meanwhile he agreed he would continue working on the case and agreed to be back in contact with me within 2 business days. \n\nAs of now this is still not resolved. The most concerning thing is this is exactly what happened with my previous personal loan. Prior to this account, I had a WellsFargo personal loan. A loan officer contacted me, offering a better rate. So I closed that personal loan and opened this one. The officer claimed that all interest and fees had been accounted for as it was more of a loan transfer than a new account. The original loan was removed from my customer online access. Several months later I received a notice from one of the credit bureaus that I had a delinquent account which I knew had to be an error. Upon further investigation, the original loan was NOT closed out, additional interest and fees were allocated after I was told the account was closed. They refused to waive any of the fees or take any responsibility. I paid the fees but the late payment is still on my credit report. They refused to take the necessary steps to remove 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": "payoff", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3700319", "source": "cfpb", "group_id": "cfpb/b7913a2407e1de48974b", "variant": "clean", "length_bucket": "long", "chars": 5152, "company": "WELLS FARGO & COMPANY", "date_received": "2020-06-15", "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": "b7913a2407e1de48974b223afb0b1029ce9c58d2e56c75e908c985a14454d3b7", "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 walked into a safeway store in XXXX CA. I used a \" *Cash App '' card to purchase a pack of mentos ( {$1.00} XXXX and got cash back ( {$60.00} XXXX at XXXX. My account was fine until around XXXX I noticed it was over drawn. Which in cash apps policy is not supposed to occur. Well at XXXX the same day an additional charger was placed for an additional $ XXXX hour after the legitimate purchase. I was only able to send an email to cash app but I immediately notified them of my problem. They later responded saying their was a glitch in their system and I could use the atm again. Which is a problem I never mentioned nor had, and they did not mention my real issue at all. I had to call and call people to find someone who could loan me enough money to cover cash apps over draft fee because of this as well as a bit extra so i could get gas to get home. I contacted the merchant immediately, they did an initial check and said they do not see the extra charge on their side at all, but they were going to file a dispute anyways to make sure. The next day they called me from this number XXXX ( this is their financial department ). They assured me that there was only XXXX charge made on their end and also told me that the charge had cleared the account completely. So It was not pending by XX/XX/XXXX. \n\nCash app on the other hand finally answered the phone on XX/XX/XXXX. I was told that the merchant charged me twice. Because the merchant was already paid twice they had to file a dispute so I could not have my money back yet. The next day is when I received confirmation from the merchant that they only charged me once so I contacted Cash App again and they told me something different that the merchant had not received the money yet it hadnt cleared and that I needed to wait so they could make sure the payment could be XXXX next day XXXX contacted them again. They told me the merchant had already been paid it had cleared their account so then they were in possession of the extra {$61.00}. \n\nKnowing this to be untrue I requested to speak to a manager abd was told that I could not. I was told that the person on the phone I was speaking with could not assist me any further I just had to wait for an email response from someone letting me know wether or not they were going to return my money. So up to this point what has occured is that Cash App has taken money out of my account due to a glitch or illegal business practices ... they lied to me about it being due to a merchant and continue to refuse to refund my money. The account I used was not even supposed to be able to be over drawn. I was sent emails that related to issues I did not even have because they were responding with AI most likely. I was told they were having a computer glitch, as well.as being told several different conflicting stories about what actually happened. I tried to request more information, I tried as well.to speak to a manager and was denied on all fronts. They continued to tell me they already told me I have to wait ten days ... maybe 45???? This is completely unacceptable. It is one thing if it is regarding a transaction but this posted to my account an hour later and the merchant assures me they can provide documentation showing they only charged me once also. If they decided they want to charge every customer double charges then go leverage that money or something claim it was the merchant and automatically get 45 days to return the money that wouldnt be legal. I dont think it should be legal even if it just happens to one person either. Their terms of service state they do not hold money for refunds and as soon as the merchant refunds the money Cash App makes it available to their customers. Well this money never left XXXX XXXX hands. The Merchant was already paid free and clear for this transaction by XX/XX/XXXX. This is a breach of contract and their 10 day rule does not apply. Money never went anywhere. I can provide proof of this from the merchant but can not even reach someone at cash app who can even look at this information. They have given me attitude as if I am.being unreasonable when they literally stole money from my account ( If I \" accidentally '' take your tv is it any less stealing because it was an accident?? ) and will not speak to me or return it to me and they are well aware of the financial hardship they have caused because 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4281925", "source": "cfpb", "group_id": "cfpb/ba1da858fe258f57046a", "variant": "clean", "length_bucket": "long", "chars": 4407, "company": "Block, Inc.", "date_received": "2021-04-08", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase or transfer", "sub_issue_raw": "Card company isn't resolving a dispute about a purchase or transfer", "text_sha256": "ba1da858fe258f57046a8b5d7a109db5c82c763302f3487023da264e8e20092f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Citibank is retaliating against me and closing/canceling my credit card account in retaliation to a dispute I had with Citibank over a My Best Buy Visa credit card account.\n\nI had a My Best Buy Visa Credit card issued by Citi. The credit card expired in XXXX of XXXX. I received a letter from Citi dated XX/XX/XXXX, stating Unfortunately, as the result of a recent review of your account, we regret to inform you that you My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. Our decision was based on a credit scoring system that assigned a numerical value to various items on your existing account and credit report. The result did not meet our requirements due to the following reason ( s ) : Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, length of time accounts have been established, number of bank/national revolving accounts with balances, and too many inquiries last 12 months. Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX, XXXX. \n\nI complained to Citi multiple times asking them to reconsider their decision and if they could/would not reconsider their decision if there was a settlement and Citi refused to reconsider their decision and or offer a settlement claiming that the law and or government regulations ( Citi never identified any specific law or government regulation they were referring to ) prevented them from offering a settlement however, after Citi charged me {$890.00} in late fees and interest Citi offered a settlement for 50 % of the balance. Citi later referred the account to a collection agency that eventually sent the account back to Citi. \n\nOn XX/XX/XXXX, Citi filed a lawsuit against me regarding the My Best Buy Visa credit card account. On XX/XX/XXXX, Citi and I through Citis counsel agreed to a settlement in the My Best Buy Visa credit card account case. On XX/XX/XXXX, Citis attorney filed a Notice of Voluntary Dismissal With Prejudice. \n\nCiti also refused to remove the account from my credit report with the three major credit bureaus claiming that they are required or obligated to report the account on my credit report with the three major credit bureaus. On XX/XX/XXXX, Citi deleted the account from my credit profile with the three major credit bureaus. \n\nI had a Macys American Express credit card account issued by Department Stores National Bank or DSNB ( which is a subsidiary of Citi ). In XXXX of XXXX, DSNB allegedly conducted a review of my Macys American Express credit card account and decided to lower my credit limit by {$100.00} or from {$2000.00} to {$1900.00}. In XXXX of XXXX, DSNB decided to conduct another review of my Macys American Express credit card account and again decided to lower my credit limit by {$100.00} or from {$1900.00} to {$1800.00}. The reason ( s ) given on the notice/letter dated XX/XX/XXXX, informing me of DSNBs  decision to lower my credit limit {$100.00} list number of revolving account with high usage ( DSNB decision was based on a copy of my credit report DSNB obtained from XXXX  ) even though the My Best Buy Visa credit card account was listed on my credit report with all three major credit bureaus as delinquent and or charged off. \n\nIn XXXX of XXXX, approximately three to four months after DSNB allegedly conducted a second review of my Macys American Express credit card account, DSNB obtained another copy of my credit report from XXXX. In XXXX of XXXX, I received a letter dated XX/XX/XXXX, informing me that my Macys American Express credit card account would not be renewed beyond the expiration date on the card which was XX/XX/XXXX. Some of the reasons listed are serious delinquency and time since the delinquency is too recent or unknown which is referring to the My Best Buy Visa credit card account because that was the only negative item on my credit report. This decision not tor renew my Macys American Express credit card account was made approximately eight months prior to the cards expiration. I believe this decision was in part due to my dispute with Citi ( which DSNB is a subsidiary of ) regarding the My Best Buy Visa credit card account. Notice the timing of DSNB conducting a third review of my Macys American Express account approximately three to four months of the previous review DSNB conducted in XXXX of XXXX and this review and decision is one month after the settlement agreement in the My Best Buy Visa credit card case was executed by both parties on XX/XX/XXXX. Citi never conducted regular reviews of the My Best Buy Visa credit card account and the decision not to renew the My Best Buy Visa credit card account was made after the card expired and the decision not to renew my Macys was made approximately eight months prior to the cards expiration and not a month before the card expires or after the card expires. DSNB claims that their decision not to renew my Macys American Express account is not in retaliation for my dispute with Citi regarding the My Best Buy Visa credit card account however, the evidence suggest differently, and I respectfully disagree.\n\nI complained to DSNB multiple times and each time I get a response stating that DSNB regularly reviews credit report data to determine if our cardholders continue to qualify for their accounts in a letter dated XX/XX/XXXX, and Macys credit card accounts are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card in a letter dated XX/XX/XXXX. The letters I received from DSNB also seem to suggest that DSNBs actions are required by federal law stating Under federal law, we must determine the applicants ability to repay credit. DSNB fails to explain that after determining that I no longer meet their eligibility requirements to maintain or qualify for a Macys American Express credit card and that I no longer had the ability to repay credit why DSNB left the account open until XX/XX/XXXX and allowed me to continue to use the account until XX/XX/XXXX, even though the c\n\nustomer agreement allows DSNB to close the account or suspend privileges at any time for any reason and without prior notice to me. On of the letters I received from DSNB goes so far as to say Creditors are permitted to\ndetermine the level of risk the are willing to undertake when issuing credit and evaluation if customers continue to meet the risk assessment after suggesting that DSNBs actions are required by federal law. DSNB never identified any specific laws or government regulation they are referring to.\n\nDSNB also refuses to remove this account from my credit report with the three major credit bureaus once again claiming that they are obligated or required to report this account on my credit report with the three major credit bureaus even though the evidence in the Best Buy case shows different and that the account can be removed from my credit report with the three major credit bureaus at the credit grantors request. \nI also have a Macys store credit card account and in XXXX of XXXX, DSNB decided to reduce my credit lime from {$800.00} to {$100.00} despite there being a zero balance on the card. \n\nI have a Costco Anywhere Visa credit card account that is set to expire in XXXX of XXXX and once again Citi has decided not to renew the account. The reason listed on the letter/notice specifically list the reason that my account will not be renewed and a new card will not be issued is due to a bankruptcy ( which no bankruptcy was ever filed by me or pending ) or charge-off on another credit card account issued by Citi. The notice does not specifically state which account they are referring to and the Best Buy account is not listed on my credit report. \n\nCiti initiating a lawsuit to collect a debt they claim that I allegedly owe them, and the lawsuit is settled more favorably to me and Citi did not get the desired judgment or amount they were counting on or outcome Citi wanted is not grounds for retaliation. Citi was represented by counsel, and I was a pro-se litigant and was not represented by an attorney. Cit was provided the opportunity to review the settlement agreement and discuss the settlement agreement with their attorney. Citi had the opportunity to reject the settlement agreement and proceed to trial however, Citi chose to accept the settlement agreement and not go to trial. Citi is blatantly admitting to retaliation after claiming that they dont retaliate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4655773", "source": "cfpb", "group_id": "cfpb/90183658d8d5602c2a35", "variant": "clean", "length_bucket": "long", "chars": 8697, "company": "CITIBANK, N.A.", "date_received": "2021-08-23", "product_raw": "Credit card or prepaid card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "90183658d8d5602c2a35a6d4e068ac41b2bcad461a846df7b82adcc3040cffdb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. \n\nThey have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the 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/5593922", "source": "cfpb", "group_id": "cfpb/63b83a015ba50f909f7c", "variant": "clean", "length_bucket": "medium", "chars": 2086, "company": "EQUIFAX, INC.", "date_received": "2022-05-23", "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": "63b83a015ba50f909f7cd87e42c0bf97147788b5d34e70c731ae9053a449210c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In was in process of selling home so the initial ach did not go through when initiated. I have tried multiple times per their emails to pay online. However the online platform WILL NOT ALLOW PAYMENT. It has processed subsequent payments but precludes me from paying online via the website. I don't see how they can force you to sit on hold for an hour and a half to try and pay something that you are told in writing can be done online. I even sent a final email to XXXX XXXX telling her the platform will not allow payment and I have yet tpo receive a response. Rather they prefer to retaliate by reporting me as being late simply for not going through and overtly burdensome process to almost seemingly discourage payment in order to report a consumer late simply to penalize me since this is such a burdensome process getting things corrected with these criminals.", "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/3799316", "source": "cfpb", "group_id": "cfpb/09be1a560f0884e054a0", "variant": "clean", "length_bucket": "short", "chars": 867, "company": "LendingPoint Holdings LLC", "date_received": "2020-08-17", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "09be1a560f0884e054a0611655d28a7c545159f83336dd828943ca6245003e0b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX Trying to sublease apartment, found someone on XXXX university page. \nLady tells me that shes a traveling nurse and her job is paying for her to move to XXXX. \nshe Insist on sending check because she claims it her job was writing the check and that she would not be able send through XXXX. \nReceived check through priority mail. \n\nDay of check deposit : Went to XXXX, XXXX XXXX XXXX Bank of America - XXXX pm on Thursday XX/XX/XXXX. \nWent inside to a teller and deposited the check. \nAsked the lady when the funds on the check would be available for use. And if Id be able to take it out cash. \n\nNext day check cleared, and lady asked for me to send her XXXX to her XXXX account for the movers to transfer her stuff. She stated that accidentally her boss put the entire check into one ( my rent money and her moving stuff ). And that she needed the money for the movers to move her stuff. \nThat same day I transferred the XXXX remainder of the money that was intended to be the rent money sent to XXXX XXXX account ( thats where I save my rent money ) On Sunday she asked that I send her XXXX because her stuff was held up in customs. Since it was already in my XXXX where I was saving it I sent it to the same XXXX account through XXXX this time rather than Bank of America like I did the first time. At that point I had none of her money left in either accounts. \n\nOn XX/XX/XXXX I checked my bank account and saw that the check bounced. And my account was XXXX. The money I had in my account was used to pay the XXXX for the check and the remaining balance was the XXXX. \n\nSpoke to Bank of America on XX/XX/XXXX, and asked what I could do regarding the situation they sent me over to the money mover department where they were going to try and get the money back from her bank by telling her bank what she did to me -- - only XXXX they would try to get back in XXXX days -- - not sure if they could up to their bank. \n\nFiled Police Report on XX/XX/XXXX and they stated that they were going to investigate further. \n\nXXXX XXXX XXXX to Bank of America to get two XXXX $ fees removed because I was charged from E-ZPass and they charge for each transaction made. \n\nXXXX XXXX financial person I talked to at bank next day stated that they cant remove anything until the account of paid off and investigation is cleared. She also stated that their werent any notes in my account in regards to what happened and that it is very unlikely that they would be able remove anything from my account and that I will be responsible for paying the XXXX ( went up because of their late fees ) on my account. \n\nI am currently a college students whose account is now in XXXX dollars in debt due to check fraud and XXXX. I think that it is unfair for Bank of America to hold me responsible for paying back this money when I already have college debt and I make minimum wage. I had worked super hard to save up XXXX dollars working and going to school and now all because this scammer I have no money and I am now responsible for paying a debt that I did not do. As a loyal Bank of America customer they should help their customers and prevent scams of this matter. This is a hard hit to my bank account and I am now drowning in debt. \nInsight of this situation I think that Bank of America should help prevent these scams from happening. Being that I went inside the Bank to make sure that this was a legit check and even asked when this check would be available. The teller did not explain that checks are cleared the next day however, that does been the check has the funds, this is just the bank lending you the money until they see if the check bounces or not. As my bank they should assist me through this financial burden being that my family has been a loyal customer to Bank of America since forever. At this point Banks and XXXX are just as bad as the criminals who scam us. It saddens me that I worked extremely hard for my money, in the midst of attending college full time and working 40 hour work weeks to have it ripped away this easily by someone who tricks young innocent people for their money. Bank of America and XXXX are a disappointment. \nDue to security purposes and this recent scandal I petrified to even put my banking information out there or give any personal information. To get further information I would just need a more secure form of communication.", "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/3253976", "source": "cfpb", "group_id": "cfpb/33609455684b47502791", "variant": "clean", "length_bucket": "long", "chars": 4378, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2019-05-25", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "33609455684b475027910c6df01c44fec3152db8ec8989b28b43eb1ac55621cc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Back in XXXX of XXXX, I decided to lower my monthly student loan payments by applying for the SAVE Plan. Multiple entities recommended I do so, including the Department of Education, MOHELA, other student loan holders, etc. In order to qualify for the SAVE plan, I made long-term financial decisions that affected not just me, but my entire household, based on information I had received from MOHELA and others. I consolidated my loans and my husband and I filed our taxes separately instead of jointly. \n\nIn XXXX of XXXX, I was informed that my loans had been consolidated and I had been placed on a Standard Repayment Plan rather than the Income Based One I had been one. This was expected, because according to MOHELA and the Department of Education consolidation always results in being placed on a Standard Plan. I believed, again, based on the information I had received, that my SAVE application would be processed soon enough, and I would be back on an Income Based Plan, able to make qualifying payments towards PSLF. After all, I had applied for consolidation and the SAVE Plan using the same application. \n\nXXXX turned into XXXX, and the status of my SAVE Plan application remained \" pending, '' despite the fact that my application for consolidation had already been processed ( again, I had applied for both at the same time ). In the meantime, MOHELA sent out letters to multiple loan-holders, including me, saying that our payments were now {$0.00} a month, as well as letters with my new payment plan which included a much higher monthly payment. When I called the customer service line to get more information, I was told the {$0.00} monthly payment letter was a mistake, and was reminded that it can take up to 90 business days for my SAVE Plan application to be processed. Never mind that my consolidation, for which I applied using the same application, had already gone through. She had no information about why that would have happened. Evidently MOHELA was busy sitting around not processing the rest of my application. She then placed me on a 90 day forbearance, along with the accruing interest that entailed. \n\nXXXX arrived, along with the impending end of my forbearance. By now, part of SAVE had been overturned, and I was anxious for my application to be processed since things seemed very uncertain. I called again, and this time spoke to an incredibly condescending customer service person. I was again informed I needed to wait 90 business days. He claimed to be unable to do anything, such as give me more information, including why my consolidation had been approved and my Save Plan application hadn't, or simply process my application then, or transfer me to anyone who could. He did offer to help me submit another SAVE application, which would reset the clock to another 90 days. \n\nShortly after that, the SAVE Plan was overturned by court order entirely. I am now stuck on the Standard Repayment Plan, and therefore unable to make any payments towards PSLF. MOHELA has frozen applications for any Income Based Plans, so I can not get onto a PSLF qualifying plan. My payments have shot up from about {$57.00} a month to {$300.00} a month. Since my SAVE Plan application was never processed, I have no idea if I qualify for the automatic forbearance, but I doubt it. I can not help but think MOHELA deliberately slow walked my SAVE Plan application so that they could stick me with a three digit monthly payment. \n\nThis is insane. I made long-term decisions affecting not just me, but my husband, in order to take the steps I was told to take by institutions I am supposed to be able to trust. I didn't do this on a whim ; I agonized over whether to apply for the SAVE Plan, and it blew up in my face. I was the object of \" call deflection '' by their ( and I use the term loosely ) customer service reps. They XXXX XXXX XXXX informing me that I only owe {$0.00} a month, and refused to take any accountability for it. I simply can not afford the payments I now owe 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": "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/10183843", "source": "cfpb", "group_id": "cfpb/fc7be447e1137557e75a", "variant": "clean", "length_bucket": "long", "chars": 4008, "company": "MOHELA", "date_received": "2024-09-20", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "fc7be447e1137557e75a0f7f5ee11ba0098a72bb3afbf9430b5abf6632b14c2a", "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 I logged into my Capital One Master Card account to look at my balance. On XXXX XXXX I had made a {$320.00} payment thinking that I had paid the card 's balance to {$0.00}. However in checking that balance, I saw that I had a balance and that I was {$25.00} past due. I did n't make a payment because I thought it was XXXX and as we were traveling, there was no need to check it. In finding the past due amount, and expecting to use the card for fuel in a couple days, I immediately contacted XXXX via their secure chat. I chatted with XXXX XXXX. I asked if my card was suspended because of the past due amount of {$25.00}. Mind you that the card has a {$500.00} limit and we always pay much much more than the minimum. In fact the amount on the card is {$87.00} to include the \" Past Due Amount ''. XXXX assured me that the card was not suspended. She did point out the \" Past Due '' amount and asked if I wanted to pay {$53.00} of the balance? I said that I could n't do it at this point because I only get a VA draft into my account on the XXXX of the month which would n't happen until Tuesday the XXXX of XXXX. She further stated that she take the payment with a draft date by the XXXX of XXXX and that it would allow me to continue to use my card. I stated that would be fine. XXXX stated that I could avoid this in the further by setting up an autopay from my account on file for the minimum amount and that it would automatically draft my account on the day indicated by Capital One Card Services. I said that would be fine but that I had no idea how to do that. She said that she would help me set that up. She was in the process of transferring me to another person to help me set up the autopay when I asked if I needed to still make that {$53.00} on the XXXX of XXXX. She said that it would not because the amount for the autopay draft would be the {$53.00} and that that would reset my card. I said that that would be okay. So she transferred me to XXXX XXXX an Account Specialist, and he started trying to walk me through the process.I had done as he told me and the screen stated \" Congratulation '' in setting up the autopay. It stated that the autopay would draft a minimum of {$35.00} on the XXXX of XXXX but that the first draft would be {$53.00}. In italicized lettering it said that in order to create this autopay an initial payment needed to be paid. So, I asked XXXX if I needed to make the {$53.00} payment now or on the XXXX of XXXX to complete the whole process? He stated that I did not need to make that payment and that I had set up the autopay correctly. Again I said that it continues to warn me that I need to make a payment first, so I repeated my concerns. He put me on hold for a little bit, but came back and stated that everything was all set up and I did n't need to make any payment and that the {$53.00} would draft on the XXXX of XXXX. I was satisfied with everything. So on Thursday the XXXX I stopped to get fuel and I used my Capital One Master Card, but it was declined. It was run again and declined the second time.I thought perhaps it was because we were in Tennessee, but thought I had notified XXXX that we were traveling to various states doing XXXX. That was not the problem when I accessed my account. The card was in fact suspended as I learned from Account Specialist XXXX XXXX on the secure chat. She stated that my card was suspended because of the \" Past Due '' amount of {$25.00}, but that I could bring it current for {$53.00}. I explained the same thing to her as I am typing right now. All the Who 's, What 's, and How 's. She put me on hold for sometime, but came back and said she read the chat notes and that both XXXX and XXXX were incorrect, and that I needed to pay the {$53.00} now but if I could not then I could instead pay the {$25.00} by XXXX, the card would be active for use the next morning. ( more? )", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2181772", "source": "cfpb", "group_id": "cfpb/d40a8a95a9e103e07859", "variant": "clean", "length_bucket": "medium", "chars": 3896, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2016-10-28", "product_raw": "Credit card", "issue_raw": "Customer service / Customer relations", "sub_issue_raw": "", "text_sha256": "d40a8a95a9e103e07859ca0130683fcf9895c38e21aa66c04bb694e500da81e3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is a XXXX company that offers installment payments for many websites. I recently purchased a XXXX XXXX  ( XXXX ) and used this company for payment. Their website, which I have attached XXXX XXXX XXXX XXXX XXXX says they accept debit cards as payment, but I tried to make a payment with a prepaid debit card and was declined. I reached out to the company to clarify, and they said they don't accept prepaid debit cards, though it doesn't say it on their website. I think it's dishonest not to transparently display 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": "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/5487779", "source": "cfpb", "group_id": "cfpb/ce5de4eefc131b5c43e0", "variant": "clean", "length_bucket": "short", "chars": 536, "company": "Affirm Holdings, Inc", "date_received": "2022-04-23", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "ce5de4eefc131b5c43e01715d285c34ddd8ac1e89a32f55ed112a43b1f49b54f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. \nI am formally requesting the blocking and deletion of these accounts. \nIt is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. \n\n2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. \n\n3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. \n\n4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. \n\n6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX  Account Number : XXXX Please remove it from my credit report. \n\n8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX Account XXXX : XXXX Please remove it from 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"}}, "_meta": {"id": "cfpb/8523786", "source": "cfpb", "group_id": "cfpb/f87ce615826535a23ee7", "variant": "clean", "length_bucket": "medium", "chars": 2241, "company": "Experian Information Solutions Inc.", "date_received": "2024-03-11", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "f87ce615826535a23ee781f47cac2b79654a7fa8ab643ebfe7c83022cdacc6e9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX, I purchase a vehicle, XXXX XXXX XXXX, from XXXX XXXX XXXX, XXXX, XXXX Dealership in XXXX XXXX, Georgia. I test drove and worked perfectly fine. Snagged a deal with an inclusive warranty for around {$14000.00} all in. I was assured the vehicle was a certified pre-owned in great condition. ( The car was in the back lot when I came to test drive, red flag number one ). I left dealership the same day with the vehicle and the car broke down mid way into the city on the middle of the highway, the vehicle literally stopped and there was no power steering and the wheel started to tighten. Luckily, I was able to make it off the highway on to an exit ramp in XXXX XXXX. The dealer assumed responsibility, told me the alternator needed to be replaced and then I was given the same vehicle again the next day after being given a loaner for that day. May I remind you this all happened within the first hour of me leaving the lot with the vehicle. I kept the vehicle for about a month, and refrained from driving too much because I did not want to put too many miles on it. Within a few week time frame, I was back at the dealership to use the warranty about 4 more times due to the check engine light constantly coming on, different warning symbols and an inspection that was supposed to be done. One of the times I took the vehicle back, the service department told me I would have to pay out of pocket and I had to argue them that I literally just bought the vehicle with the warranty and it be impossible that logically to make sense. 30 days had not pass yet. \n\nXXXX XXXX, I contacted Dealership. Explained situation to a salesperson salesperson said nothing they could do, asked to talked to supervisor, individual hung up phone. This same day I contacted the bank I took the loan out with, Capital One,  and I spoke with a individual by the name of XXXX, she documented by issues with the vehicle I was having, also stating Capital One has an agreement with their trusted dealers ( since I was financed through Capital one, I went through one of their trusted dealers ) would speak with the dealership. \n\nAbout a week from then, I returned several times with the same issue each time. Of those times, I experience longer than usual wait times due to the fact that I had an issue rather than coming in as a buyer, I did not speak much of it while in the establishment, but I definitely was placed on the back-burner for at-least an excess of 40 mins. \n\nI went back into the dealership in an attempt to swap out the vehicle because the dealer knew my situation, I settled on a XXXX XXXX XXXX, that I seen online came to the lot and test drove. The Finance Manager, agreed to buy my vehicle back so I can in terms, get the new vehicle without the balance rolling over. I signed the documents stating they would buy the vehicle back. I left the vehicle on their lot with the keys after signing the documents but, Now it is XXXX XXXX and I have a repo loan from Capital One bank in my name because the dealership did not hold up their end of the deal and send Capital One back their money after they nullified the old loan. I 'm out of a vehicle because of this situation and they refuse to send CapOne back their money. \n\nI never made any loan payments on the old vehicle because the loan was supposed to be voided due to the situation. I was going to buy a new vehicle but I was never allowed to get any of the vehicles I wanted to get, I was forced to come look at XXXX XXXX and etc., and did not want any of those vehicles. Leading me to tell them send the money back, I would not like any of those. \n\nI spoke with XXXX XXXX from the dealership, he was the original dealer who sold me the vehicle, around XXXX XXXX about this exact situation and he told me he would get back to me and I have not heard anything from this dealership. He also asked was I making payments on the vehicle because I still owe for it, and I had to literally explain to him that I sat in the office with their own finance manager where he made me sign the documents stating they would buy the vehicle back and that I do not have ownership over the loan for the XXXX anymore. Overall, this is one of the worse experiences I ever had with a so-called reputable dealer, and I will take this issue to court for negligence if I have to. From the horrific incident that could have happened on the highway due to them \" forgetting to install a new alternator '' down to them not sending the bank back their money for a vehicle they current possess at the moment is down right disgusting. \n\nIt 's the end of the year and i 'm back in the position I currently was in, without a vehicle and I can not even attempt to get a new vehicle because XXXX XXXX XXXX is purposely ruining my credit and my relationship with the bank. Not to mention they ran my credit almost 14 times, 7 times the first time I went into get the XXXX XXXX and 7 more times through the same banks for the XXXX XXXX. \n\nFurthermore, the whole ordeal has been long-winded and frustrating having to explain to Capital One the entire situation and having them work with me with no compliance from XXXX XXXX made my first car-buying experience probably one of the worst but at this point I would just like for them to compromise so we can both part ways with this situation completely mediated. \n\nAs far as documentation goes, the company should have all the documents, If any extra information is needed I would be glad to provide it. As I stated before, the main document pertaining to this situation is that the Finance Manager and I both signed the form indicating that the vehicle was changing hands from myself, back to XXXX XXXX, herby declaring that I was no longer responsible for the car and that the {$14000.00} would go back to the 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2721853", "source": "cfpb", "group_id": "cfpb/6328b2712db5503eb663", "variant": "clean", "length_bucket": "long", "chars": 5792, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2017-11-06", "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": "6328b2712db5503eb66378fd3ab97112fefdc86ff176c5a49f7493574e6cea9a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "NOTICE OF FRUAD AND IDENTITY THEFT CAUSED BY PAYPAL AND THEFT OF FUNDS i, XXXX XXXX XXXX have been mistakenly charged for several charges thru paypal and then paypal also charged my bank. The amount is {$2400.00} whereas i purchased items from XXXX XXXX XXXX and they paypal charged my twice. The issue is with Paypal in XXXX they told me a employee by the name of XXXX XXXX which is strange for an person in XXXX to have an XXXX American Name stated that he had access to my social security number and could use it as he wished. I XXXX XXXX XXXX then contacted the paypal located in California and they have not responded. They are now claiming that i owe them {$1000.00} or more. \n\nI was gifted for XXXX {$7000.00} on XX/XX/2018 approximately by a friend and thus was taken out of my account and blocked me from using my funds until XX/XX/2018. They said the funds where not in my account yet. They Paypal said my government the Federal Reserves had not released the funds to my account. This was coming from a private persons XXXX account not a federal reserves account whereas they are not my government. \nThe debt is being disputed and must be proven within the next 30 days. Verified and validated. \n\nPaypals response was ; Dear XXXX, Thank you for contacting PayPal. \nWeve looked but are having trouble locating the specific transaction tied to your message. Can you help us out so we can provide a fast answer to your question? We look forward to helping you. \nIn most cases, any or all of the following information will help us identify the payment : Transaction date and amount Transaction ID number email address of the other party in the transaction XXXX auction ID ( if applicable ) We understand delays are not enjoyable and appreciate your patience. Thanks for sending us this additional information. \n\nIt is my pleasure to assist you. Thank you for choosing PayPal. \nSincerely, XXXX Protection Services Department PayPal Copyright 1999-2018 PayPal. All rights reserved. \nFrom : XXXX Sent : Friday, XXXX # #, # # # # # : # # : # # XXXX ( - # # : # # ) Subject : Fw : complaint for account liveav # # XXXX XXXX XXXX XXXX Second Notice! \n\nSent from XXXX, XXXX-based encrypted email. \n\nSent with XXXX Secure Email.\n\nOriginal Message On Thursday, XXXX # #, # # # # # : # # XXXX, XXXX   XXXX wrote : This is a notice and a demand letting you know legal action will be taken if this is not resolved within # # hours. \n\nI am not sure if this is or was a joke of some kind with in line with some XXXX order but this is a serious matter. \n\nXXXX XXXX XXXX # # # # # # # # # # FACTS WITH EVIDENCE : a. ] this may cause several hits to my credit report all three XXXX XXXX  and XXXX  alleging that i owe a debt i do not and i never gave them consent to charge my bank account XXXX XXXX XXXX twice. \nb. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature d. ] {$2400.00} this amount was taken out of my paypal account and my private bank account by Paypal and XXXX XXXX stated that they had every right to my funds. \ne. ] XXXX XXXX XXXX refunded only XXXX portion of the XXXX {$240000.00} whereas i allowed Paypal to refund the remaining amount of the {$2400.00}. Now they are blocking my account from paying out to others claiming falsely i owe them {$1000.00}. Whereas this is in reverse they owe me {$3400.00}. When ever i call i get someone in XXXX or XXXX whom do not know our laws nor proper english to translate or communicate for such is a language barrier. When i asked for a transfer to the USA they transferred me back and forth to XXXX and XXXX claiming that they can not transfer me to the USA and speak to someone in the States.\n\nDamages ; Threats to damage credit report Took {$3400.00} out of my account and lied claiming i owe them {$1000.00} legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers XXXX year they would owe me XXXX years in the amount of {$1200.00} for XXXX. \nBackground Information CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. \n\nCERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX System for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. \n\nThis documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3044987", "source": "cfpb", "group_id": "cfpb/474d77bcaae978dfa6d2", "variant": "clean", "length_bucket": "long", "chars": 4938, "company": "Paypal Holdings, Inc", "date_received": "2018-10-13", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Wrong amount charged or received", "sub_issue_raw": "", "text_sha256": "474d77bcaae978dfa6d27ca06f73fc8a6eb75419e538cd713d8481bdbb551d8f", "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, around XXXX XXXX, I received a text message stating that it was from Huntington 's fraud department and someone had tried to remove {$1500.00} from my account. The message stated to respond \" No '' if I did not approve these charges. I responded with no. Around XXXX, I received another message stating that a fraud representative would be in contact with me shortly. The phone call came through shortly after. The man on the other end stated his name was XXXX and he was with Huntington Bank Fraud Department. He said that the charges have been stopped from coming out of my account and that we only had a short time to get it resolved or the funds would be removed. He walked me through how to enroll with XXXX through Huntington 's mobile banking app. He then put me on hold to contact the XXXX representative ( XXXX XXXX ) to ensure they had the hold on the funds. He came back on the line with instructions from XXXX on how to refund the money to my account. He said they stated that the money would need to be sent to XXXX, should would then hold the funds, and be able to reimburse them on her end. He instructed me on how to create a contact with XXXX, he had me list my name and a reference number ( which was a phone number ). When I asked about the reference number looking a lot like a phone number, he had me verify that it was actually Huntington that he was calling from. The caller ID popped up Huntington Customer Service and the number listed matched the customer service number on the back of my debit card. After that, I felt confident that it was actually Huntington on the other end of the phone. He then instructed me to send the first payment of {$500.00}. Once that had been sent, he instructed me to send the next payment of {$1000.00}. He then said he was going to end the call to contact XXXX to ensure the payments had been received and they could start the investigation. He had told me that the name of the person ( XXXX XXXX in XXXX, GA ) was the one who attempted to remove the funds from my account. He said that he would call back once the investigation was complete. He called back a short time later and said that they would return the call the following morning to return the funds. \nLater that evening, I called Huntington and spoke with a man named XXXX. He had informed me that XXXX was not an employee of Huntington and he then filed the dispute claim for me. \nThe next morning, I went down to my local police department and filed a police report. \nXXXX Police Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX and spoke to the Chief of Police XXXX XXXX. I sat in the office and wrote my statement. The case number for my police report is XXXX. \nAs I was leaving the police station, XXXX called from the number that I received the text message from the previous day. I went back to the station and XXXX XXXX answered my phone. As soon as he said hello, XXXX hung up. \nI called XXXX back when I returned home from taking my child to school. XXXX started instructing me on how to start the reimbursement. She instructed me to go to the request funds spot in XXXX and to click the contact I had created the following day. I did not do as he instructed. He told me to hit send to send the request and I said OK. He then told me he sees that he sees where the request had been sent. I asked him what Huntington location he worked for and he claimed to be from the XXXX, OH location. I then asked how he could have seen the request had been sent when I never sent the request. He immediately hung up on me. He called back and stated we lost connection. I said, \" no, you hung up on me when I asked how you received the request when I never sent it. '' He said that he didn't say that but instead said that he had to contact the XXXX representative to make sure it had been received. I said, \" No. You said you received the request. '' He then hung up. I tried to call back and he ignored me. I tried multiple times to contact him and was ignored every time. He eventually turned the phone number off.", "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/6076284", "source": "cfpb", "group_id": "cfpb/27ccc561439b425513fa", "variant": "clean", "length_bucket": "long", "chars": 4072, "company": "HUNTINGTON NATIONAL BANK, THE", "date_received": "2022-10-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "27ccc561439b425513fabaf2e7ac149c18d4dff9b9aa26b8ba864b9c1b87d0c8", "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 with Loancare , LLC. In XXXX, XXXX the company updated their payment site. This is the portal where the company accepts payments. When they did this, the company completely stopped recognizing my banks routing number and account number. I called the company at least twice to report this. The companys representatives told me on both occasions that this was a technical issue that would be resolved shortly. I was unable to make my monthly payments in a timely fashion via their portal and instead needed to make them over the phone. \n\nNow, again, I am still unable to make a payment. The process of calling and making a payment over the phone is cumbersome and has now caused me to make payments in the grace period since XX/XX/year>. \n\nCan you please have the company fix this The second issue is that the company does not accept debit card payments on their site or over the phone. This is the fastest and easiest way for consumers like me to make payments. \n\nCan you please ask the company to amend their payments to accept debit card payments?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8469971", "source": "cfpb", "group_id": "cfpb/d45243a754d209bf176f", "variant": "clean", "length_bucket": "short", "chars": 1066, "company": "LoanCare, LLC", "date_received": "2024-03-04", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Payment process", "text_sha256": "d45243a754d209bf176f4a247788299d43ae354138637120f9d11c7e5f57e55b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I join XXXX  on XX/XX/XXXX a few days later I received a bill from XXXX from XX/XX/XXXX to XX/XX/XXXX they were trying to bill me for service before I even had their service, when I reported them to the XXXX XXXX XXXX in early XX/XX/XXXX for these illegal charges attempted theft harassment and discrimination they turned around and retaliated against me with a collection from XXXX XXXX XXXX in return I submitted a dispute with the consumer financial protection bureau XXXX XXXX XXXX in return remove the account because they know it was fraudulent charges XXXX since then has now decided to open a new collection on me for the same price with different opening dates which is now violation out of the fair credit reporting act and the fair debt collection practices because they are attempting to collect and that was never owed because they retaliated against me in the first place by trying to make it legal charges of theft and then started harassing me with nonstop phone calls lying to the XXXX XXXX XXXX that they talk to me on the phone when they never even call me back or even answer the phone, As well as new collection company is magically for the same exact price as the last one when they retaliated against me and its violations very highly because the dates are now even changed again I will be filing a lawsuit against XXXX  and now any collection company that XXXX  wants to use I will file a lawsuit against as well for aiding and abetting theft harassment financial attacks on my credit report as well as the violations of the FCRA AND FDCP they seem to think Im an easy target Im not I keep every single form of evidence on every goddamn company that thinks to try something with me, The company question now sent me an email to verify Debt I called them and in return they refused to say anything to me As well as trying to get personal information I will not give them personal fucking information I told them all they need to know to look it up and they even said my name they know who the XXXX  they were talking to they refused to do anything especially when I said XXXX  retaliate against me and I have proof instead they just keep hanging up on me multiple different times Im done playing games you guys wanna play games we can play games when I saw you went to a sandbox youre ugly XXXX, XXXX  also sent me a letter after denying everything to the XXXX XXXX XXXX that he attempted to charge me and steal money from me for services that I didnt even have them for the time, Stating that one of their vendors were storing peoples information and it is a violation of XXXX   policies but yet they didnt wanna adjust anything and that caused all of this because they wanted to continue trying to charge me for service that I did not have free time I do not have the service kind of funny how if I join on XX/XX/XXXX I was being charge for service from XX/XX/XXXX to XX/XX/XXXX for over XXXX they denied it all the way to the XXXX XXXX XXXX retaliated against me for reporting them and then turned around and admitted that they XXXX  XXXX  but refused to fix anything fix anything.stating that one of their vendors was storing peoples information and it is a violation of XXXX  policies but yet they didnt want to adjust anything and that caused all of this because they wanted to continue trying to charge me for service that I did not have for a time I did not have a service kind of funny how if I joined on XX/XX/XXXX I was being charge for service from XX/XX/XXXX to XX/XX/XXXX for over XXXX they denied it all the way to the XXXX XXXX XXXX retaliated against me for reporting them and then turned around and admitted that they XXXX XXXX but refused to fix anything, if they wouldve just admitted at the beginning that One of their stores was violating policy and storing and taking peoples information and just simply adjusted properly its not charging me for service I didnt have none of this wouldve happened but XXXX  instead wanted to just retaliate against me instead of fixing the XXXX  with you I will not tolerate this anymore, Also I have a receipt shows that me and my wife when we switched we paid XXXX in cash and over XXXX on my wifes debit card not the fact of the matter is we had to put that down to switch to their service as well as the fact that paid off two of the phones in full XXXX  to this day he denies that two of them were paid off they also denied that the other phones were ever sent back, as well as the fact that they denied that we ever gave them any money kind of funny how I have the receipt shows how much cash and how much came off the debit card which I will be able to use in the court  room against them, as well as an email from them that they seem to forget they sent me that stated that I owed on three devices not five but yet they still try to claim that I owe on all 5 and that no money was ever given to them as well as they state that I never sent them the other phones, The fact is a fact that they tried to commit theft against me I called them and report of them they retaliated against me with a fraudulent collection well the charges on the first collection they were still charging me for which were included all the way up to four months ahead of time kind of funny how a retaliation with chargers from future were close in the first retaliation collection and yet they deny anything I would not trust XXXX  to pick up a piece of dog  XXXX  never mind for A cell phone provider asked for you guys at the collection company do you want to involve yourself in a retaliation and threatening me and harassment discrimination attacking my financial credit report know that I will be showing you you can take it down or I will sue or Ill just see you anyway for eating in abetting discrimination harassment threats retaliations and damaging my credit report its all in town all up to you now do you want to continue to play you start a war be ready to lose because I will sue.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3761894", "source": "cfpb", "group_id": "cfpb/3823e74829ec298348ab", "variant": "clean", "length_bucket": "long", "chars": 5956, "company": "Diversified Adjustment Service, Inc.", "date_received": "2020-07-24", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "3823e74829ec298348ab60157082d563fb4d4391ae4194e00ed940d77a54fb70", "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 contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // 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"}, "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/3141193", "source": "cfpb", "group_id": "cfpb/c4bbb1e20e3967955a78", "variant": "clean", "length_bucket": "short", "chars": 616, "company": "ERC", "date_received": "2019-02-03", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "c4bbb1e20e3967955a7860ee922d95ca091f782f53e0be0d55569d93226c6e89", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Contacted by XXXX on XX/XX/XXXX regarding a {$150.00} debit to XXXX SC, I explained that the entire amount was paid and asked for an email address to send the documentation. I sent the documents and never received a follow up neither via phone call nor a letter. I received a notification that the debt was reported to the Credit Bureau on XX/XX/XXXX. I called XXXX again XXXX XXXX and was told they did receive my documentation back in XXXX however their client had never confirmed the debt being owed or a XXXX balance nor has XXXX acknowledged my second email to them along with documentation. Instead it is reported as an unpaid XXXX XXXX on my credit report and the report did not happen until XXXX XXXX months after I originally disputed with 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": "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/4895789", "source": "cfpb", "group_id": "cfpb/30a6d2e35bbe9a4de0e4", "variant": "clean", "length_bucket": "short", "chars": 754, "company": "WAKEFIELD & ASSOCIATES, INC.", "date_received": "2021-11-10", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "30a6d2e35bbe9a4de0e4a520dab741dd658a656e9aafc08eb4c892ad1eebee74", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The whole problem started when they reevaluated my escrow account. They did not do they're homework when they bought the loan off of my original loan company. My original taxes set up when i purchased my home were correct. They took my taxes from a year before the home was built on this property. Sent me money back from my escrow account and lowered my mortgage payment. Now they want to play catch up forcing me to pay what I originally had scheduled plus what I am behind. This has put me in a financial hardship which I can not make my mortgage payment. Since then I have tried to get money out of my 401k to make my escrow current but that is not allow since it is not a foreclosure notice. So no I am trying to do a load mitigation. I filled out all of my paperwork and submitted it to their website. I recently got a letter in the mail stating I am missing additional income and a for 4506-C which I submitted both of. When I tried to login to my account to resubmit my forms they claim they never got, I am no longer able to get into my account. I feel they are taking these steps to force me into foreclosure and not work with me on a loan mitigation. I need legal help dealing with 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": "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/9376638", "source": "cfpb", "group_id": "cfpb/c7a551cc233211231028", "variant": "clean", "length_bucket": "medium", "chars": 1206, "company": "NEW YORK COMMUNITY BANCORP INC", "date_received": "2024-06-28", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu", "text_sha256": "c7a551cc233211231028a3885297a02e6c933fb6ab05c99c7ce3468bf7e2b264", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have some adverse information on my credit report from a dentist office that did work for me and my insurance company and I paid what was owed back in XXXX. I was just made aware of the adverse info on the report on XXXX XXXX, XXXX and immediately called the company Capital Accounts ( collection agency ) to dispute, spoke with supervisor, XXXX and started the dispute process. On XXXX XXXX, XXXX I called to follow up and XXXX said the dispute had been filed a couple of weeks ago and they were waiting for the dentist office to respond and he could n't help me further, I needed to wait for XXXX to call me back in 2 hours to answer any other questions. XXXX never called me back. I called back 24 hours later and XXXX said this has been going on since XXXX I do n't need to discuss anything with you and immediately hung up on me. I called back an hour later and was told by XXXX that I needed to speak with XXXX and he 'd call me back, still have n't heard from XXXX. I called today, XXXX XXXX, XXXX and spoke with XXXX again and he said if XXXX did n't call me back then he does n't know what to tell me. I immediately ended the call because this does not seem legit. In addition, I sent a letter overnight to the address I received from XXXX on XXXX XXXX, XXXX asking to resolve this matter, address P.O. XXXX XXXX XXXX, TN XXXX. Please help me resolve this matter so I can move on. \nThank you, 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"}, "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/1904907", "source": "cfpb", "group_id": "cfpb/d8e4e47b5cebd737cd34", "variant": "clean", "length_bucket": "medium", "chars": 1418, "company": "Capital Accounts, LLC", "date_received": "2016-05-02", "product_raw": "Debt collection", "issue_raw": "Cont'd attempts collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "d8e4e47b5cebd737cd34f1f910bf70668b5f8c2011ee2359f83d1dbb354dfd7a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am having an issue with XXXX ( XXXX XXXX XXXX ) over the handling of my Federal Perkins Loans. I have two loan amounts totaling {$5500.00} and another for {$4000.00}. In late XX/XX/XXXX I received notice from XXXX that the loan amount for {$5500.00} would start accruing interest and the first payment would need to be {$170.00} in XX/XX/XXXX. The loan payments would only be done quarterly. I started paying the loan in XX/XX/XXXX with no issue.\n\nA notice was sent to my family member at a former address of mine including information about the {$4000.00} loan in early XX/XX/XXXX and included information that the loan would start accruing interest in XX/XX/XXXX with a first payment date in XX/XX/XXXX for an amount of {$120.00}.\n\nXXXX claims that before any billing cycle, customers should expect to receive a statement in the mail or electronic correspondence 20 days prior to the billing date. I only received statements electronically regarding my XX/XX/XXXX payment for {$170.00} for my {$5500.00} loan.\n\nIn XX/XX/XXXX, XXXX  began sending me emails saying they would soon be moving their information and billing processes to a new website in XX/XX/XXXX. I received no other information from XXXX  regarding the payment status of my {$4000.00} loan and continued to only make auto payments on the {$5500.00} which was due on XX/XX/XXXX.\n\nIn mid XX/XX/XXXX, I received a statement from XXXX  in the mail saying that I hadn't paid an amount of {$120.00} from the {$4000.00} loan that was supposed to be due on XX/XX/XXXX. I immediately went onto the XXXX  website and noticed I had a balance due on the {$4000.00} loan for XX/XX/XXXX, but I wasn't sent prior notice before the bill date that the amount was due. I paid the amount of {$120.00}, payment was processed on the old XXXX website on XX/XX/XXXX and the payment came out of my bank account on XX/XX/XXXX officially. From XX/XX/XXXX XXXX   was migrating their information for their old website to their new website.\n\nDuring the week of XX/XX/XXXX I began receiving credit alert updates that I had a delinquent account on my student loans and my credit score dropped nearly 50 points. I filed a formal complain with XXXX XXXX on XX/XX/XXXX after noticing that XXXX claimed I hadn't paid an amount of {$130.00} for the month of XX/XX/XXXX and the account was still past due. The only amount XXXX had informed me to pay was {$120.00} from the statement they sent me after XX/XX/XXXX. I called XXXX for the first time on XX/XX/XXXX to get information on the issue, on their website at the time my {$4000.00} loan claimed I owed over {$250.00} in payments for the month of XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative and they told me they were still experiencing issues with their website and to call back later in the week to confirm any inaccuracies on the website regarding payment status would be corrected.\n\nXXXX new website doesn't include any prior statements or documents for my account over the past 8 months. There is no way of looking into old statements, even the ones that were sent to me prior to XX/XX/XXXX regarding my {$5500.00} loan.\n\nI called XXXX on XX/XX/XXXX since the website said I owed a balance of {$130.00} for the month of XX/XX/XXXX with a past due amount from XX/XX/XXXX of {$8.00}. I still hadn't received any word on why my credit report was still being impacted with an inaccurate amount that I owed ( {$130.00} ) and I was given any information on where the {$8.00} amount from XX/XX/XXXX had came from. The representative I spoke with said the only way to rectify the balance and clean my credit report was to file for forbearance on the amount of {$8.00}.\n\nI called XXXX  again on XX/XX/XXXX to see if I could speak with a supervisor regarding the inaccuracy on their website saying I still owed a past amount due. Another representative told me about the forbearance option and said they would forward me to a supervisor. No one responded to request however, and I still haven't received an update from XXXX.\n\nThe loan amount for the {$4000.00} loan was {$120.00} and XXXX is no saying I still owe {$8.00} to them but this money comes from a XX/XX/XXXX balance. On XXXX  website the payment breakdown of my XX/XX/XXXX payment shows an {$8.00} fee which added together with the principal and interest equals an amount of {$120.00}. This other {$8.00} fee that is now added onto my payment amount for XX/XX/XXXX doesn't have any correspondence or notice to claim where it coming from. My credit report claims that this {$4000.00} monthly payment is supposed to be {$130.00} and that isn't what XXXX has even sent me a statement for. XXXX  is impacting my credit report by claiming a delinquent account for an amount that isn't accurate for what they asked to paid monthly on the {$4000.00} loan.\n\nXXXX website also doesn't include any prior information regarding my loans ( statements, documents, etc ) which makes it impossible to find a paper trail for their claims that I still have an outstanding balance on a loan from XX/XX/XXXX. This is inaccurate since this loan didn't start taking payments till XX/XX/XXXX, and even then XXXX  didn't communicate with me through email correspondence or through the mail that the {$4000.00} loan would be taking payment 20 days prior to the due date. My credit report also shows no delinquency for the month of XX/XX/XXXX on the {$4000.00} loan for any amount, so I am confused to why I would suddenly have an outstanding balance of {$8.00} from XX/XX/XXXX.\n\nXXXX  has been unresponsive and unwilling to send me any documents, statements, or other correspondence over the alleged {$8.00} past due balance from XX/XX/XXXX on the {$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": "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/2979706", "source": "cfpb", "group_id": "cfpb/45c41be06fa916346f41", "variant": "clean", "length_bucket": "long", "chars": 5687, "company": "TRANSWORLD SYSTEMS INC", "date_received": "2018-08-01", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "45c41be06fa916346f41146341be7e2f0aea7c5243f37bce59409b214c763098", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Due to my profession I have a complete understanding of a simple interest loan. Capital One Auto Finance rules would only allow me to pay exactly one month ahead or principal only payments. As I wanted to pay forward the loan I always made my payments on the due date one month ahead and paid more than the regular payment. The formula to figure the interest portion of my payment is standard on a simple interest loan and when you are paying on time and more than minimum, the interest portion of your payments should steadily decline and certainly should not fluctuate. When I questioned Capital One Auto Finance about this fluctuation they tried to say that it had to do with the # of days in between payments. This will only hold true if you pay sporadically which I did not do. I have since refinanced with another company and am now accurately seeing the dollar day rate go down. In going over my payment history with Capital One it is obvious that they did not accurately use the standard formula, therefore inaccurately charged me on the interest portion of my payment throughout the loan term.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2646809", "source": "cfpb", "group_id": "cfpb/ee5f7eb65ef617b2ab47", "variant": "clean", "length_bucket": "short", "chars": 1102, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2017-08-20", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with fees charged", "text_sha256": "ee5f7eb65ef617b2ab47383e7b13474fa4e2ae44b149fb01fb2f3865621a9cf0", "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 : There was delay in repaying my account with XXXX XXXX, now Navient, and other accounts during the year XX/XX/XXXX - XX/XX/XXXX, because my household income went from XXXX incomes to XXXX. \n\nHowever, when I was able, I made arrangement with XXXX XXXX and made a payment of {$2600.00} starting XX/XX/XXXX and a monthly payment of {$120.00} until today. \n\nAccording to my records, I am current on my payments as of my last statement for loan # XXXX on XX/XX/XXXX. My current payment is {$120.00} per month and my balance is {$17000.00}. \n\nAccording to my credit history no changes had been made to my credit report and the account # XXXX is in a Charge-off status when it should show 'in payment '' as agreed. \n\nIn addition please rescore my bureau score to align with the corrected credit report file. Please send edited version credit report to my address 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"}, "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/1581597", "source": "cfpb", "group_id": "cfpb/be6d2689c09cf6491bee", "variant": "clean", "length_bucket": "short", "chars": 905, "company": "Navient Solutions, LLC.", "date_received": "2015-09-26", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Received bad information about my loan", "text_sha256": "be6d2689c09cf6491beea5b87960efb509f0647a05d6129a39c915caf652f63a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "1. Car was impounded by XXXX department of finance XXXX for owed parking tickets. \n2. VW Credit repossessed my car from XXXX Department of Finance despite me making arrangements with XXXX Department of finance and communicating this to VW Credit. \n3. VW Credit repossessed my car from the car lot on XXXX, on the same day, VW Credit contacted me on the same day stating that they repossessed the car and paid all the fees owed to the Department of Finance, and stated, if I wanted my car back, I would have to pay a total of XXXX by XX/XX/2020. Upon paying the car would be released to me. \n4. On XX/XX/2020, I made two payments, one for {$2000.00} and another for {$710.00}. I contacted VW Credit instructing them payment was made. \n5. VW Credit then informed me that I needed to fax insurance for the car and following this, the car would be released.\n\n6. Car insurance for the car was faxed on multiple dates with the fax number provided by VW Credit. VW Credit stated that they never received the fax. Finally on XX/XX/XXXX, the insurnace was uploaded into my account 7. VW Credit finally verified the insurance and provided me with a phone number to contact the lot on XXXX. However the number provided was not accurate 8.  On XXXX, I contacted VW Credit to request a new number however, they were closed. I then called back on XXXX and was provided with a new number. \n9. I contacted the new number where my car was being held, however, was told that the parking tickets were still owed on the car despite being told by VW Credit that they paid everything on XXXX. They also informed me that they took the license plates off my car and I would need to get new license plates. \n10. I contacted VW Credit back again on XXXX and was told that VW Credit did pay the parking fees and I would need to contact the department of finance back again to clarify the situation. \n11. Unfortunately due to COVID-19, All DMV offices are closed until further notice and there is no way for me to get new license plates, additionally VW Credit did not inform me of any of this prior. \n\nIn addition to this and simultaneously, I have been contacting VW Credit for the past 2-3 weeks requesting a pay off quote, I am at the end of my loan. My last payment is supposed to be {$390.00} ( XX/XX/2020 ) however at the end of my loan, I am now told I owe almost XXXX in additional interest fees, in addition to the interest already being paid on the account over the past 7 years. I asked for a supervisor to contact me back regarding this as I have been wanting to pay off my vehicle and was not given a call back. No representative at VW Credit was able to break down where the interest rate came from, when it was assessed, calculation etc. When asked for a written statement breaking this down, I was told by VW Credit, they are unable to provide this. \n\nI am a few weeks away from paying my car off, I have paid almost {$30000.00} in payments to this loan company and want my car paid off. At this point, I have not been able to drive my car since XXXX, despite, this I have continued to pay my car payments and insurance. My car can not be driven now due to the COVID-19 and due to all DMV locations being closed. \n\nMy account continue to accrue fees daily, VW Credit supervisor has not contacted me back after three weeks, I am unable to drive my  car, in the midst of a world pandemic. At this point, I am demanding all additional interest fees on my account to be removed 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": "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/3577713", "source": "cfpb", "group_id": "cfpb/a6afd9818e7fdb32aae2", "variant": "clean", "length_bucket": "medium", "chars": 3475, "company": "VW Credit, Inc", "date_received": "2020-03-24", "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": "a6afd9818e7fdb32aae22bbcbba0ab5aee60245e291b8fcb468007136435873e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I XXXX XXXX XXXX, a am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306 living at my principal dwelling at XXXX XXXX  XXXX XXXX, XXXX, New York XXXX XXXX, here put you UPSTART a creditor, operating under Truth in Lending Act, TILA, a for-profit company whose headquarters is located in the area of XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, CA XXXX. United States of America on a notice about a billing error under 12 CFR 1026.13 ( a ), beginning with the date the account was opened. \n\nI received the agreement and I believe its fraudulent because your company used false and deceptive advertising practice to use my signature application in consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes, and turned it into a loan for your selfish purposes and its a violation to my right which I deserve remedy under Truth in lending Act. \n\n\nThe moment I accepted the credit offer, I became the holder in due course. \n\nHere are some facts Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. \nFact, since opening the credit transaction account, I have paid a monthly bill to UPSTART, online, using my bank. \n\nFact, I the consumer believe this the loan was for personal and household purposes only. \n\nFact, UPSTART failed to provide me with my right of rescission According to 226.15 Right of rescission Fact, I, the consumer, am aware that UPSTART, failed to provide me with the General Disclosures which are requirements pursuant 12 CFR 1026.17 and is a violation of said section. \n\nFact, I, the consumer, am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. I'd like to access both the journal and credits of the account, as well as the ledger and debits of the account, in order to verify the current accounting and taxes related to this account. \n\nFact, I, the consumer, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ). \n\nFact, UPSTART shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. \n\nI hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX of XXXX, current, and future payments. Fact, I, the consumer, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). \n\nFact, I, the Consumer am aware, that, UPSTART as the creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by UPSTART will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for UPSTART for the actual damage caused to I, the consumer, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error. \n\nFact, I, the consumer am aware, UPSTART, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. \n\nA creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. \n\nFact, I, the consumer am aware, that, in accordance with 16 C.F.R. 433.3 UPSTART is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the consumer, may invoke her rights as the debtor in this consumer credit contract against UPSTART for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. \n\nFact, I, the consumer, have reason to believe and do so believe, UPSTART which is a private for profit corporation, regardless of your/their location, has participated in racketeering activity as defined in Title 18 U.S.Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was a billing statement, which is embezzlement, theft by deception and extortion. \n\nFact, I the consumer, have reason to believe and do so believe, UPSTART is in violation of is a violation of 18 U.S. Code 1341by knowingly participating in the fraud through the US Mail. \n\nFact, without an affidavit response with a rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and XXXX in fact. \n\nFact, I, the consumer am aware, an unrebutted affidavit stands as truth in commerce. \n\nFact, I, the consumer, am invoking my rights pursuant to 15 U.S.Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. \nYou have 15 days from the date of delivery to respond to this notice. \n\nShould there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by UPSTART herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. \n\nHowever, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. \n\nNotice, I, the consumer, in writing with adequate information on all forms of remittance accepted and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. \n\n\nI declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Over 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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5977691", "source": "cfpb", "group_id": "cfpb/ceebbee807094db33b03", "variant": "clean", "length_bucket": "long", "chars": 7235, "company": "Upstart Holdings, Inc.", "date_received": "2022-09-13", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "ceebbee807094db33b032b3a0fc9fe7e672916659725ef8c9a9a12061a11528a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Case number XXXX On XX/XX/XXXX, XXXXXXXX XXXX Capital One XXXX XXXX [ CEO ] was contacted via email as to why they denied me extension of my own credits. In federal law it states that I can not be denied an extension of my own credit, if I am not denied then thats discrimination because employees are selling original promissory notes and keeping all proceeds, dividends and interest do back to the lender which is me, myself, and I. They turn around and purchase consumer reports which are really considered income from the consumer reporting agencies. Income is defined as specie of money which in turn creates more specie of money. They create ghost decedent accounts to not only XXXX XXXX XXXX XXXX  but also rob them of their labor by way of a default partnership without just compensation. This is unlawful and should be classified ad Racketeer Influenced and Corrupt Organization. Just recently a notice was sent from Capital One dated XX/XX/2024 why the deceased decedent was denied credit when Im alive and living in the name my Father XXXX XXXX XXXX XXXXXXXX XXXX. But then they went as far to say that We denied you but we made an error within upholding our denial! This is corruption at its best. All will be listed as witnesses in this conspiracy.", "questions": {"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/9336852", "source": "cfpb", "group_id": "cfpb/ccaf0cd1d4bd2ec6f298", "variant": "clean", "length_bucket": "medium", "chars": 1261, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-06-25", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Credit denial", "text_sha256": "ccaf0cd1d4bd2ec6f2986b96d46609453b7e3ea769e69fdd2d12e385abee6be5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This letter is being emailed and sent to : The Offices of XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar Mortgage and copied to : The Office of XXXX XXXX - Texas Attorney General The Office of XXXX XXXX XXXX County District Attorney The Office of XXXX XXXX Finance Commission of Texas The Office of XXXX XXXX Texas Department of Banking The Office of XXXX XXXX Consumer Financial Protection Bureau This is a \" qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). \n\nI am writing because Mr. Cooper/Nationstar Mortgage has not acted in Good Faith as it pertains to my mortgage and what has transpired since Hurricane Harvey and the forbearance that was offered to us as a result of the storm. \n\nAfter Hurricane Harvey, Nationstar reached out to us and offered a forbearance for our XX/XX/XXXX XX/XX/XXXX payments. And, that the 4 payments would be put at the back of my current loan. We were told that we didnt have to fill out any paperwork and we would begin making our regular monthly payments again in XX/XX/XXXX. When I reached out to my loan specialist XXXX XXXX in early XX/XX/XXXX, I could not reach her. I was directed to the general customer service department. I was informed that ; 1 ) many clients were in a similar situation as I, 2 ) Mr. Cooper was behind in processing paperwork, and 3 ) I would receive my paperwork no later XX/XX/XXXX. From that point for the next several months, I received a different response ( every time I called ) as to the status of my loan and the forbearance. I was informed on several occasions, however, by multiple customer service representatives ( and supervisors ) that my account was still under review and to not make a payment ( I have recorded conversations to verify this ). \n\nAfter contacting Mr. Cooper for the 20th time in XX/XX/XXXX to resolve my delinquency, I was informed by a customer service manager that we didnt qualify for the forbearance ( because we were behind on our payments ( which was inaccurate ), and that we needed to start making payments. We made our XX/XX/XXXX and XX/XX/XXXX payments and when we attempted to make our XX/XX/XXXX payment, we were prevented from doing so. We were also told that our account was again under modification review, yet we could only make a payment if we could pay the past due balance in full. \nWe were not offered a reasonable solution to cure our mortgage delinquency. \n\nWe are simply seeking a resolution to this matter, in good faith, by Mr. Cooper/Nationstar Mortgage. We were originally offered a forbearance ( in XX/XX/2017 ), not a loan modification, and we are asking that our loan servicer and investor keep their commitment. Had we been offered a modification, we would ( and could ) not have accepted their 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": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2980525", "source": "cfpb", "group_id": "cfpb/ef762bb93c1ae8d75c06", "variant": "clean", "length_bucket": "medium", "chars": 2780, "company": "NATIONSTAR MORTGAGE LLC", "date_received": "2018-08-02", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "ef762bb93c1ae8d75c06bc5b3b2f55547f795df831a23872e6bc06a4c23e1bf6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Account was closed due to Zelle fraud and another opened simultaneously ( XXXX ). Zelle returned money to closed account ( {$800.00} ) which bounced back. XX/XX/2022. Repeated efforts to get money back through XXXX have failed with being told that might take through XXXX or not at all. Zelle has been basically unresponsive. XXXX did not initially follow through with diverting money to correct account and Zelle seems to have decided that they wont return the money ( wherever it is ). I can provide account numbers and information if 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6479193", "source": "cfpb", "group_id": "cfpb/b6ee46f9f9145360e12b", "variant": "clean", "length_bucket": "short", "chars": 547, "company": "Early Warning Services, LLC", "date_received": "2023-01-24", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "b6ee46f9f9145360e12b6d3866b6bcb99163f21b0be78badb9c7b8849636fefd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Paypal has decided to penalize my small business by enforcing a unlawful wage cap on my earnings. My company has just started to take off financially after many years of struggling. My business model underwent some changes that resulted in a minor success. When I began to earn over XXXX a month they decided to enforce a ceiling cap and now skim my earnings and hold them for 21 days. This has stopped all growth as I am unwilling to give paypal my hard earned money for 21 days. I have spoken to them and they are unwilling to fix this. I am hoping the government will get involved and 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": "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/6505889", "source": "cfpb", "group_id": "cfpb/2e75d0ed73fa0b8a444e", "variant": "clean", "length_bucket": "short", "chars": 596, "company": "Paypal Holdings, Inc", "date_received": "2023-01-30", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "2e75d0ed73fa0b8a444e60d8f18be609969c52227d50e458aa5bf6f545c9b818", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX 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/6578889", "source": "cfpb", "group_id": "cfpb/5d14aee50d26f990bd17", "variant": "clean", "length_bucket": "short", "chars": 711, "company": "EQUIFAX, INC.", "date_received": "2023-02-17", "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": "5d14aee50d26f990bd17c6f1f55f46b554a251c88071e4fb95ac66bd67522d0f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Numerous check were cashed using same day cash method at multiple TD bank locations just south of XXXX RI posing as me. It wasn't until the 3rd attempt to cash the check that a teller discovered an outdated FL license that was used as ID that did not match the current account address. The the teller added a note suspecting fraud and account take over. No further action was taken. Client ( myself ) was not notified of suspected fraud at any point. It wasn't until the first 4 checks that were successfully cashed and bounced that there was any indication of fraud. No check cash, deposit, takeout was ever noted within account or to the customer until funds were removed from the account almost two weeks after first check due to a \" Deposit Check Return '' - essentially a bad check and the bank took the funds that were cashed out from the account. \n\nEvent Timeline from talking with multiple TDBank associates, local and phone : XX/XX/XXXX - Two fraudulent checks cashed at XXXX, RI TDBank branch for {$2400.00} each. Checks were signed on back with SS # indicated. \n\nXX/XX/XXXX - Two fraudulent checks cashed at XXXX, RI TDBank branch for {$2100.00} each. Checks were signed on back with SS # indicated. \n\nXX/XX/XXXX - Two fraudulent check attempted to be cashed, unknown amount. Teller put note about transaction as \" Potential Account Takeover Fraud ''. \n\nXX/XX/XXXX - \" deposit check return '' with multiple debits associated with account that posted on XX/XX/XXXX in the amount of - {$2400.00}, - {$2400.00}, - {$2100.00}, - {$2100.00}. No other indication of deposited fund were ever associated with check - likely cashed on spot at first two locations with Teller missing multiple red flags including bank that doesn't exist in XXXX, \" Company '' that issued the check with address in RI that doesn't exist, account number associated with checks that showed no activity of any transaction in the previous two years. \n\nXX/XX/XXXX - Noticed unusual activity resulting from \" deposit check return '' with multiple debits associated with account that posted on XX/XX/XXXX in the amount of - {$2400.00}, - {$2400.00}, - {$2100.00}, - {$2100.00}. Contacted TDBank Fraud department and reported incident who confirmed fraudulent activity. Suggested signing Affidavit of Forgery, closing account and opening new. \n\nXX/XX/XXXX - Went to local TDBank to sign Affidavit of Forgery where it was noted that the third attempt was declined and flagged due to drivers license not matching account. Received copies of check that were cashed In total, {$9100.00} were removed from account due to bad checks that issued cash at brick and mortar branch locations over XXXX miles away from current address on file and XXXX miles away from \" home address '' indicated on cashed check and likely on fraudulent FL drivers license that hasn't been a current address in over 10 years. It was a failure of security on multiple levels that include not adequately identifying client based on current information within their system, having no indication of account activity from cashed checks within account both online and statements, not reporting suspected fraudulent activity to client when suspected.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6390995", "source": "cfpb", "group_id": "cfpb/b64945c99a7c3cdf2edb", "variant": "clean", "length_bucket": "medium", "chars": 3189, "company": "TD BANK US HOLDING COMPANY", "date_received": "2023-01-03", "product_raw": "Checking or savings account", "issue_raw": "Problem with fraud alerts or security freezes", "sub_issue_raw": "", "text_sha256": "b64945c99a7c3cdf2edbbe023b7353545ef4c72b878739f55c9c7c0991ad51ca", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am in the middle of a dispute with my bank, Chime. On XX/XX/XXXX, my phone was stolen while shopping. Later, on XX/XX/XXXX in the early hours of the morning ( around XXXX ) the thief was able to access my device and bank account and fraudulently initiated a bank transfer for {$5000.00} using the pay anyone feature. I had never used my account to transfer money using that feature before, and had never once spent $ XXXX in one transaction in my 5 years with the bank. This is completely out of my normal spending pattern and should never have been allowed to go through, it should have been flagged as a transaction in the first place. At the same time, they also attempted to cash app themselves {$2500.00}, but that thankfully failed. So XXXX XXXX was able to identify that it was fraudulent and not let it go through but chime was not. The hacker also changed my address, username, and preferred name in my account immediately. I noticed right away and called chime around XXXX that day. I was on hold for almost 2 hours and transferred around from agent to agent all while the hacker has present access to my account. I am fortunate in that time they did not drain the entire account. The agents insisted they could not freeze my account and could not help me internally, the best I could do is lock my card from the app, even though the hacker had current access to my account. I was able to change my passwords and the thief was no longer able to access for the moment. Since then several more fraudulent transactions have been attempted but have failed since my card is locked, all of which I have uploaded to chime as proof for part of my dispute process. These attempted charges took place on XXXX, and the hacker attempted the purchase hacking equipment and have it shipped to an XXXX package hub for pick up. I immediately went to the XXXX XXXX police department that morning the theft occurred and filed a report, so both my stolen phone and fraudulent transactions have been reported and documented with law enforcement. All this documentation has been provided to Chime with the police report number and the police have even issued subpoenas to chime for information about the account the money was sent to. Chime told me I am not eligible for a temporary credit for 10 days and the dispute may take 45 days. The same day I opened the dispute and the fraud occurred on XX/XX/XXXX, the dispute was closed not even 5 hours later saying no error had occurred. There is no way a proper investigation considered all my documentation was performed during that time. I immediately appealed the decision and opened another rebuttal dispute the same day XX/XX/XXXX, and on XX/XX/XXXX chime again closed my dispute saying no error has occurred. This is despite an active police investigation with corroborating evidence from multiple witnesses and documentation. They are clearly not actually investigating this or looking at my documentation from the XXXX XXXX police, from apple, and from my phone carrier XXXX. I had to change all my password and freeze my credit as the police have told me they are investigating this as identity fraud as well. They have been completely unhelpful the entire time and are not protecting their customers, if anything they are assisting the hacker in committing fraud by doing nothing to make this right weeks later. They informed me the reason they believe no error took place is because 1 ) I had received a direct deposit that day ( from payroll like I get every two weeks ) 2 ) that the XXXX address and device was familiar ( of course it was, my phone was stolen and they were able to hack into it and access my accounts from my own device ) and 3 ) the transaction took place in Maryland, where I am from ( of course it did, my phone was stolen in Maryland ). 4 ) there were no failed log in attempts ( yes, because they had gained access to my passwords because they had my device ). It is obvious they are not looking into the details of my dispute otherwise they would not have made these claims. With a police report documenting everything, proof from XXXX that device was stolen, documentation from apple that my device was stolen, I dont know what else they need from me for me to prove this was an unauthorized transaction. I have asked what else they need from me, as I will be happy to provide it, but they will not tell me. They will not even give me the provisional credit while the investigation occurs, so I am now struggling financially due to missing {$5000.00} that was stolen from me. All I want is for them to actually investigate my dispute to discover there was an actual error and credit me my money back. Chime does obviously not protect their clients ( of over 5 years with no previous issues ) so as soon as this dispute is resolved I will be closing my account as I have transferred the rest of my money to XXXX, who actually protects their members.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6720761", "source": "cfpb", "group_id": "cfpb/08e52f9b0d4670365a20", "variant": "clean", "length_bucket": "long", "chars": 4923, "company": "Chime Financial Inc", "date_received": "2023-03-20", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "08e52f9b0d4670365a202876eec3e6b34283e54392b73734656ee81c52723e41", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I reached out to Loan Care for a refinance or assistance because i was 1 month behind and having trouble catching up. I asked what my options were to help resolve this. Loan Care put me into a loan modification program. We paid our mortgage 3 months in a row to see if we were worthy of the program. We were told not to make another mortgage payment until they completed the modification. I received paperwork that the loan modification was complete and notarized it and returned it to Loan Care. My wife called the next day to give Loan Care the tracking number and inform them that the paperwork was on the way. She asked when we would resume payments and was told that until the modification is finalized we would not know when or how much our mortgage payment would be, so we have to wait. I called Loan Care at least 3 more times the following months only to be told the  same thing. I call again in XX/XX/XXXX only to be told now that we are 2 months behind. We signed the paperwork on the XX/XX/XXXX and did not hear anything regarding the payment until our XX/XX/XXXX statement came on the XX/XX/XXXX that showed the updated payments from the amendment and now that we were behind 2 months going on 3. Loan Care refuses to take responsibility for their mistake and instead blames us for not knowing that we were to resume payments immediately after the modification even though every associate we spoke with during that time told us to wait. Now because we are showing as delinquent, we ca n't go elsewhere to refinance and all of a sudden Loan Care is out of options to help. They are only willing to take multiple payments from us so we can catch up and refuse to update the credit report even though it was their fault that we are behind.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2563765", "source": "cfpb", "group_id": "cfpb/5eae8a0101486afa9d3d", "variant": "clean", "length_bucket": "medium", "chars": 1749, "company": "LoanCare, LLC", "date_received": "2017-07-01", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "5eae8a0101486afa9d3d49f3137da25663d606a17f600157f44ef109bb4de54a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Got a loan for {$5300.00} they only deposit {$4700.00} into my account which I did not know they was going to take {$600.00} from me they only suppose to been paid the car off which at the moment I only owed XXXX XXXX {$400.00} I wasn't aware of that then the internet rate my ending balance was {$9800.00} almost {$10000.00} that's a lot compared to me only oweing XXXX XXXX I only wanted a certain amount which they said I couldn't do what I wanted which was a {$1000.00} they said I had to take the {$4000.00} or more to get 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/8193024", "source": "cfpb", "group_id": "cfpb/835fb3a2b78042f12450", "variant": "clean", "length_bucket": "short", "chars": 536, "company": "OneMain Finance Corporation", "date_received": "2024-01-20", "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": "835fb3a2b78042f1245050c9eb6b965fda99909c9d7f480c2f47204abb3db320", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received this email on XX/XX/XXXX @ XXXX from a XXXX XXXX XXXX and then To : XXXX Speedy cash Service Department of payday Loan I have copied and pasted the email received from the above to outline my complaint : SEE BELOW : Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Contact at : XXXX : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. \nSo before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter. \n\nXXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred. \n\nBasically all the loan companies working under Speedy cash XXXX are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you took out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. \nWE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD. \n\nAs we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. \n\nIf you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name. \n\nWe have settlement amount for you with easy Biweekly and onetime settlement amount option. \n\n1. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only.\n\n2. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full. \n\nKindly let us know what type of payment arrangement you are looking for at mailto : XXXX XXXX provide us with the date on which you can pay so that we can update your account. \n\nKindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. \nNote : This is your last and final chance to settle this case. \n\nElse we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney. \n\nDo revert us ASAP to stop all legal consequences against your Name and SSN. \n\nNOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. \nKindly let us know what type of payment arrangement you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX. \nCopyright XXXX XXXX XXXX XXXX of Attorneys | Privacy | Terms of use | 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/5956038", "source": "cfpb", "group_id": "cfpb/c907e58903e7d1919e1f", "variant": "clean", "length_bucket": "long", "chars": 4691, "company": "CCF Intermediate Holdings LLC", "date_received": "2022-09-06", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't contact lender or servicer", "sub_issue_raw": "", "text_sha256": "c907e58903e7d1919e1fb26124d4c255b6ff3cc911f22bbd3ae62b3d4683b458", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was XXXX  for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX  pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX  pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX  dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX  with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,", "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/3526214", "source": "cfpb", "group_id": "cfpb/ae9e234e590ad62f13e1", "variant": "clean", "length_bucket": "short", "chars": 1075, "company": "REGIONS FINANCIAL CORPORATION", "date_received": "2020-02-10", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "ae9e234e590ad62f13e15e929ad287a6d5e27dbcf1a2d14182e9d584b072977d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have consistently gotten incorrect and contradictory information from LoanCare about what needs to happen for them to release the funds from XXXX XXXX so I can rebuild my home after a catastrophic house fire. The house fire was on XX/XX/XXXX. \n\nWhen I got the check from XXXX XXXX made out to both myself and LoanCare, I called LoanCare, spoke with XXXX and asked what I should do. I was told to send it to them, and they would endorse the check and send it back to me so I could pay for repairs. I was told this would take a few days. On XX/XX/XXXX I received a letter ( see attached ) indicating they were returning the check made out to both XXXX XXXX and I for the reason checked below. Nothing was checked. I called the number and was informed they needed me to endorse it and they would release the funds. I endorsed the check and sent it to them. When I called to follow up, they said they had provided me with the information on what they needed from me. I indicated that I had not received it and asked for the information verbally. I was told they needed a signed contract for the rebuild. I uploaded the contract and the first invoice for {$40000.00} for the deposit to begin the work. \n\nOn XX/XX/XXXX I received a letter saying my claim is non-monitored ( see attached ). I called and was told this was a mistake. I was told that I needed to provide the contractors insurance information, bond, and license. I checked with my contractor and he said in Maine general contractors do not need to be bonded or licensed. I called back and was first told that I would need to submit licenses for all of the sub-contractors. I was then told that they would request an exception from Corporate to see if they would allow me to use the contractor. That review would take XXXX business days. During this time, they released {$24000.00}. When I called LoanCare, I spoke to XXXX ( Sorry not sure of the spelling ) on XX/XX/XXXX to ask how that number was determined they told me it was 1/3 of the amount, less the {$15000.00} XXXX XXXX had sent to me. I explained that those funds went directly to XXXX XXXX for the cleanup after the fire and I did not have access to them. I was told they would request the {$15000.00}. During this time, I submitted the second invoice for XXXX While that review was taking place, the second check from XXXX XXXX arrived. This doubled the amount of the loss ; the reimbursement from XXXX XXXX now exceeded the balance of my mortgage. The amount reflected the costs that were detailed in the contract I uploaded originally. I was told it was now a complete loss and I had to request to rebuild. I was told I had to provide a letter stating that I would complete the work that was detailed in the contract I uploaded in XXXX. I needed a second letter from the contractor stating he would do the work detailed in the contract. On XX/XX/XXXX I uploaded the letters. I called on XX/XX/XXXX and was told the letters were not processed yet, but that I would be all set when they had them. \n\nOn XX/XX/XXXX I called to find out what happened and when I could expect the check. The XXXX employee XXXX XXXX Sorry not sure of the spelling ) told me I needed a letter of attestation that the work would be done. I asked her if the letter on file was sufficient. She said that it was confusing because I needed two letters. I pointed out I had uploaded two letters. When my husband, who was on the phone with us, expressed his frustration with this process, she indicated she did not have to listen to his attitude and hung up. The call was 38 minutes. I called LoanCare back and spoke with XXXX XXXX Sorry not sure of the spelling ). She indicated that I needed an inspection before they could release the money. She said they had released {$24000.00} which was 1/3 of the total minus the {$15000.00} sent to me directly by XXXX XXXX. I pointed out this was a $ XXXX claim and that there was nothing yet to inspect. She then said I needed an appraisal of what the home would be worth after the repairs were made. I said that cant be done because the appraiser wont know what the finished project would look like. She then said the contractor could provide the appraisal. I asked her to check the contract to see if it contained the information she needed. While she was doing this, we were disconnected. The call lasted 45 minutes.\n\nI called LoanCare a third time and spoke to XXXX XXXX Sorry not sure of the spelling ). She told me they had all the paperwork I needed, and she would put a request in for the funds. I requested to speak with a supervisor because I was getting different information from different people. She said there was no way to forward me to a supervisor, but that she would have one call me. I asked what the time frame was, she said 24 hours. I asked if I was able to return the call if I missed it and she noted there was no way to reach them directly. She did note that my preferred time was between 10 and XXXX am on XX/XX/XXXX. \n\nOn XX/XX/XXXX I spoke with XXXX XXXX. She said supervisors had 24-48 hours to respond. I asked for documentation on the steps to go through to have funds released when the claim involves a total loss. She said that is not information they provide in writing. She also indicated no request for funds had been initiated and she would do so. \n\nOn XX/XX/XXXX I spoke with XXXX. I noted I had requested a supervisor call me back and had not received a call. She said she would initiate a second request. I provided a third invoice for {$21000.00}. She said she would update the request for funds, but that corporate would decide how much to release. She was unable to provide me with information about how they made the decision or what my recourse was if they did not release the amount for the invoices I have submitted. \n\n\n\n\n\nOn XX/XX/XXXX XXXX called and indicated they would not be releasing the funds until there was an inspection. While their website says that inspections are done after 50 % of the work is done, XXXX confirmed that they can request an inspection at any time. She was unable to provide timelines of how long this would take. She indicated there was nothing else that needed to be done on our end after the inspection was done. I have not yet received a call from a supervisor. She indicated she would put the third request in for a supervisor to call us back. \n\nThe ongoing delays mean that work can not be accomplished on a timely basis. This is problematic for several reasons. \nCosts for construction are going up on almost a weekly basis. This means delays on their end may result in increased construction costs. \nWe are unable to live in the home while it is being rebuilt. The delays mean we will be out of our home longer. \nXXXX XXXX is only willing to pay for a rental for a reasonable period of time. If the delays result in it taking longer than this, XXXX XXXX will not pay for our rental. As we will not be able to live in our home until the construction is finished, we will be homeless. Please see attached 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": "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/4241719", "source": "cfpb", "group_id": "cfpb/470a8f0ecbf8eb2dac29", "variant": "clean", "length_bucket": "long", "chars": 7031, "company": "LoanCare, LLC", "date_received": "2021-03-24", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "470a8f0ecbf8eb2dac29e991216e8b2ab80eaa735a8882ca629a9b6617d8f853", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My issue is related to two closed student loan accounts erroneously reporting to the credit bureau as open as well as incorrect loan balances associated with those loan accounts. Multiple disputes with documentation have been submitted to the credit bureaus and the reporting student loan servicer. \n\nThere are two student loans from Nelnet in the amounts of {$99000.00} and {$120000.00} showing on my credit report with XXXX and XXXX. These loans were consolidated in XXXX and transferred at that time from Nelnet to XXXX. In XX/XX/XXXX, the loans were forgiven under PSLF. Erroneously, XXXX and XXXX still reflect that these loans are open with Nelnet. I filed disputes with XXXX on XX/XX/XXXX and XX/XX/XXXX and with XXXX on XX/XX/XXXX and XX/XX/XXXX. The results of each of these disputes indicate the information was verified as accurate. \n\nOn XX/XX/XXXX I contacted Nelnet and spoke with a representative named XXXX to request that the loan status be corrected with the credit bureau reporting. XXXX confirmed the accounts in question were closed with {$0.00} balances and were being reported that way to the credit bureaus. She advised me to send an email to their Customer Solution team at XXXX. I did so on the same date along with providing screenshots of my credit reports. Unfortunately, I did not receive a response to my emailed request. \n\nOn XX/XX/XXXX I contacted Nelnet again to inquire about the status of my email to Customer Solutions. I spoke with XXXX who verified my accounts in question were closed with {$0.00} balances and were reporting to the credit bureaus that way. I asked to be transferred to another representative who may have insight behind the scenes of the systems hoping for a resolution. I was then transferred to Specialist 1, XXXX XXXX She reviewed my account further and said she could see the problem and believed the issue was on their end and tied to a credit suppression policy that was put into place during COVID-19. She said she would need more time to work with her counterparts and she would follow up with me in a few weeks once she resolved the issue. \n\nOn XX/XX/XXXX I was contacted by Nelnet Specialist 1, XXXX XXXX She stated that unfortunately she was unable to resolve the issue with my account due to the credit suppression policy. She did not know when the policy would change allowing the closed loans to be correctly reported to the credit bureaus. I was advised to continue disputing the amounts with the credit bureaus as well as submitting a complaint to Federal Student Aid or Consumer Financial Protection Bureau. She also suggested I contact XXXX since the loans were originally consolidated and transferred to them. I explained that XXXX is accurately reflecting/reporting the loans as closed and with {$0.00} balances.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7266857", "source": "cfpb", "group_id": "cfpb/d5a245a08aaf5e490039", "variant": "clean", "length_bucket": "medium", "chars": 2788, "company": "Nelnet, Inc.", "date_received": "2023-07-18", "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": "d5a245a08aaf5e490039b58fdb5d7485f5aa1366dbfd3d5a48cf80e74e68d2c9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My savings account has been repeatedly locked and my funds have been trapped in the account, despite multiple calls with specialists who unlock the account. I have asked specialists if I was able to transfer my money out and they confirmed that I could transfer the money out. I requested a transfer from Marcus to XXXX on XX/XX/23that was returned onXX/XX/23 because my Marcus account was locked. I called Marcus and my account was unlocked by a representative who said it would be fine to transfer the money. I requested a transfer from Marcus to XXXX  again on XX/XX/. This transfer was returned back into the Marcus account because, again, my Marcus account was locked. I called to unlock the account on XX/XX/ and was told that I had to submit an affidavit of identity before I could access my money that was locked in the account. I was told to call back in 1-3 business days because the affidavit required approval before Marcus would send it to me. I called 3 business days laterXX/XX/23 to check if the affidavit of identity had been sent, but the representative simply unlocked my account and confirmed that I could transfer the money out. I attempted to transfer my money out of the Marcus account, but once again the account was locked. During each call with a representative/specialist, I was given conflicting information about whether my account and funds were accessible. My mother received a voicemail on XX/XX/ informing me that my account had once again been locked and that I would need to call. I called on XX/XX/ to unlock the account and the representatives told me they had not put in the request for the affidavit of identity yet. The representative told me she would be asking the \" upper management '' to approve that the affidavit of identity would be sent to me in the mail. I was told to call in 1-3 business days to check if the affidavit of identity had been to me from Marcus, XXXX I called today, XX/XX/. The representative on the phone said that there were no updates and that I am supposed to call in 3-5 business days. This means that my account and funds will have been locked for over a month before I can access them, and still Marcus does not give me information or help me access 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": "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/7386570", "source": "cfpb", "group_id": "cfpb/197d7010d833cb0b3b72", "variant": "clean", "length_bucket": "medium", "chars": 2231, "company": "GOLDMAN SACHS BANK USA", "date_received": "2023-08-12", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "197d7010d833cb0b3b725b5b568bdf9837753c76d5fc761375c68925ff0e8b67", "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 : 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 ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. \n\nThis 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 F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. \n\nPlease 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. \n* 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. \n\nI 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. \n* 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. \n\nIf your agency can provide me with the requested documents, I will need a minimum of XXXXhirty ( 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 remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of June 5, 1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).\n\nIf 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.\n\nI 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. \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. \nBe Advised to check Code 15 USC 1681b 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 & credit bureau, then I will be compelled to take legal steps against you for the below mentioned reasons : Accounts in question ( Requested information ) REMOVE THE FOLLOWING ACCOUNTS DUE TO 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"}}, "_meta": {"id": "cfpb/6872403", "source": "cfpb", "group_id": "cfpb/bd885e98425ffc44adbd", "variant": "clean", "length_bucket": "long", "chars": 4507, "company": "Experian Information Solutions Inc.", "date_received": "2023-04-21", "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": "bd885e98425ffc44adbd21316ef36ebd825a9e810916a58546a3ac42196be7b5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I found out in XXXX that Navient was no longer servicing my FAFSA and I was wondering why. I called them and they told me my loan was in default, and they were not handling it. I had gone back to school in XXXX to get an XXXX XXXX XXXX and I am 5 classes short of completing my degree and they cancelled my loan. My loan was supposed to be in deferment while i was enrolled. \n\nI tried to get a Perkins loan and I filled out the promissory note on my phone and when I tried to submit it, my phone crashed. It got wiped. I was locked out of the phone until it auto-formatted itself. \n\nI received a follow-up letter from lending ccompany asking me to finish form at inoperable weblink. I took the letter to XXXX U to the Burser 's and the office cleared my loan. They photocopied the letter i received instructing me to visit a broken website. The lender is also a collection service. When you visit the site you cant even see your promissory note. SHADY! \n\nI 'm angry that Navient serviced me a gimpy loan. I need an EDUCATION loan. You ca n't quit in the third quarter! \nI got a NASA Space grant in XXXX! Why on earth would they not want me working at a high-paying technical job I earned with MY BRAINS? \n\nI have a print of my Navient loan. Ill get you account info.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2693896", "source": "cfpb", "group_id": "cfpb/0c50c74c65d6d18a4c86", "variant": "clean", "length_bucket": "medium", "chars": 1266, "company": "Navient Solutions, LLC.", "date_received": "2017-10-05", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "0c50c74c65d6d18a4c864b72a7d525f2cf55518929561f98d1ccdd7858caa50f", "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 : I appreciate Dovenmulhe Mortgage fixing my credit. After months of hardship that you all caused. This situation is completely unacceptable and the strain and stress you all have put me through mentally and financially is actually INSANE. From XXXX to XXXX the financial strain yall put me through is absolutely wrong. Nearly 5 months without any form of assistance that I was told would only take 30 days. I literally was spread so thin I had to run up my credit cards to try to find a way to make payments, let go of other bills, and sometimes didnt even know where my next meal was coming from because of the financial strain y'all put me through for a process that was so long ( and was supposed to take only 30 days ) that I HAD TO FOLLOW UP ON. absolutely no one followed up or through with me ( OR TOLD ME THE TRUTH ) which says a lot about yalls company. The stress y'all put me through made me PHYSCIALLY and mentally sick. The mind games y'all play is sick and the fact that I had to go to the CFPB or XXXX to make it right after begging y'all to make it right is unacceptable. Then come XXXX I was looking at other options to use my credit ( CAR and was thinking about moving to an apartment ) and y'all shot my credit SO bad I literally could not use my credit for necessities and things I needed to take a loan out for and y'all severely impeded on that. Making it right on my credit is merely not enough because it should have never been a problem to begin with. Y'all put me through so much from even the start of my application and to the credit issues, and i feel I need to be compensated fairly for the stress and mental/financial suffering that y'all put me through for the months of XXXX through XXXX as again I was following up and begging you guys to make it right and you just didn't ... additionally i am not the only one who has been in this exact situation and you all completely dismissed them until it was escalated here or to the XXXX I am asking y'all to do the right thing and compensate me for the hardship you all put me through OVER the unemployment hardship I was experiencing and the strain on my credit that literally impacted descisions of other creditors. Again some form of compensation will be greatly appreciated.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7935044", "source": "cfpb", "group_id": "cfpb/768b3ee5ce0ca9f31695", "variant": "clean", "length_bucket": "medium", "chars": 2281, "company": "Dovenmuehle Mortgage, Inc.", "date_received": "2023-12-01", "product_raw": "Mortgage", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "768b3ee5ce0ca9f3169531514e30fd477ad3eba21a4636c6c36715aefa6fd609", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I saw unauthorized inquiries on my credit report today, and Im completely unsure why. I check my report often, but today I found inconsistencies out of the blue. I refreshed the page thinking it might be a technical issue, but the inquiries were still there. I need these documents reviewed right away so I can put this behind me for good.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10192010", "source": "cfpb", "group_id": "cfpb/9cad7cfa38aaa689fa95", "variant": "clean", "length_bucket": "short", "chars": 339, "company": "Experian Information Solutions Inc.", "date_received": "2024-09-19", "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": "9cad7cfa38aaa689fa95c04edae935f9ff263decec4180c3d0a70abf8c8ba591", "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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 60 days straight with transunion i spoke to a representative agent name 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 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. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist 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 its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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": "credit_reporting", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5703997", "source": "cfpb", "group_id": "cfpb/c065bd2f2b4cac69d2c2", "variant": "clean", "length_bucket": "medium", "chars": 1726, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2022-06-24", "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": "c065bd2f2b4cac69d2c29cc323b9a89bc48b3cf12d3219361aef44d639d032c8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My account was Hacked by wire transfer for {$140000.00} dollars. Union Bank recovered only {$110000.00} dollars of it, with an outstanding balance of {$28000.00} to still be recovered. At this point they will not call me back and I do not know what to do. If I had known the Security on my account was so poor I would of never opened an account with Union Bank in California.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6440851", "source": "cfpb", "group_id": "cfpb/532d88fa404ad46df9a0", "variant": "clean", "length_bucket": "short", "chars": 375, "company": "MUFG AMERICAS HOLDINGS CORPORATION", "date_received": "2023-01-13", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "532d88fa404ad46df9a0b4b7a752695690e672933b36a3ead709fb93218c7ee9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "purchased a XXXX XXXX XXXX XXXX in late XXXX of XXXX, payments were made for 6 plus months. I became a full-time caregiver, dropped from my career in order to supply adequate care. I contacted the lender and asked for the car to be picked up, voluntary repossession. XXXX of XXXX. I received letter from XXXX XXXX, that the taurus in question had been sold at auction, within two months of the repossession. \nCredit Acceptance is the lender and they have reported XXXX plus, owed, to this date. \nthe car was purchased for XXXX and sold at auction for more than XXXX. Credit Acceptance has the same letter from the auction house, that was sent to XXXX XXXX and Myself. \nat this moment, more than the purchase price is and had been reported to all agencies. \nBeing in the state of Texas, once the vehicle is sold, i am responsible for the remaining amount, not the full amount. I have explained this several times to said agency, XXXX. \nthis co. will not adhere to the law. please help me resolve this matter. the loan is 6 years and 11 months out from inception, and I am being charged every month about {$100.00} dollars, which is keeping my credit scores low, despite the fact that i have no late pays. \n\nthank you, 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5084888", "source": "cfpb", "group_id": "cfpb/38200df76d95b852b650", "variant": "clean", "length_bucket": "medium", "chars": 1236, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2022-01-08", "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": "38200df76d95b852b650b916d8a84aed6f00a7dbdd861fc7bc5e330c8d0b99bc", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I moved to the US with my family in XX/XX/XXXX. As XXXX  without any credit or rental history, our apartment application was accepted with increased security deposit ( exhibit XXXX ). We paid the security deposit on XX/XX/XXXX using a cashiers check through Chase bank ( exhibit XXXX ). After XXXX year we decided to move out from this community. The community did not find any damages and hence on XX/XX/XXXX they sent us a notice about returning the security deposit minus remaining utility charges, totaling {$3000.00} ( exhibit XXXX ). Shortly after, they also sent us a check with the corresponding funds. I tried to deposit the check to my Chase account on XX/XX/XXXX at a Chase branch and I was told by Chase that the funds will be on hold for XXXX  business days. However, on XX/XX/XXXX I received a letter from Chase that both my checking and saving accounts got restricted and I could not use them ever since ( exhibit XXXX ). My bank accounts were eventually closed around XX/XX/XXXX. The reasoning provided by Chase is that they could not verify the issuer of the check by calling a verified phone number associated with the companies written on the check. However, the XXXX XXXX and associated XXXX XXXX firm claim to have their public records in order. The check issuer also claims that they can provide any documentation needed and that the authorized users of the issuing bank account are available to confirm any information needed, none of which Chase is willing to accept. None of this is helpful unless Chase gets a phone number that nobody understands how and where to update. Moreover, to my understanding, Chase has my {$3000.00} and will neither return it back to the issuer nor give it to me unless they verify the check issuer. Eventually, after about XXXX years, they say that they will send my money to the state/country. Clearly, the restriction of my accounts caused me a serious harm, they restricted all my funds and they refuse to return my {$3000.00}. Moreover, my salary from XX/XX/XXXX was not returned to the employer even though my accounts were not functional. As of XX/XX/XXXX I still have not received my salary as it is somewhere at 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": {"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/7636897", "source": "cfpb", "group_id": "cfpb/e18d6ea1a9c8f37f5a0b", "variant": "clean", "length_bucket": "medium", "chars": 2181, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-10-04", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "e18d6ea1a9c8f37f5a0b2a2ae74b7b300e3179c3d2aa5357264f516971a80365", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This morning at XXXX I was contacted from phone number XXXX. My XXXX caller ID said it is Bank of America. The woman on the line only identified herself as being from the BofA fraud department. She asked if I had opened an online checking account with them in the last few days. I told them no, and that I have never had a checking account with BofA, but my wife has. I asked them how they know it was my info that was entered, and could they tell me the SS # that was entered for the account. They said they were not allowed to give out that info. I complained that they called me saying they had my info and that it had been compromised, and so I have a right to know what info they have on me to verify if it is accurate. They then hung 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": "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/6639469", "source": "cfpb", "group_id": "cfpb/56e85e56a2a4c1bd4a9b", "variant": "clean", "length_bucket": "short", "chars": 743, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2023-03-02", "product_raw": "Checking or savings account", "issue_raw": "Opening an account", "sub_issue_raw": "Account opened as a result of fraud", "text_sha256": "56e85e56a2a4c1bd4a9b5e96af24024e163cedfe1cf86b38cb9b39628c5fb819", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them. \nThank you. \n\nThe creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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/2905463", "source": "cfpb", "group_id": "cfpb/fc71a87aa2ee6ce5c077", "variant": "clean", "length_bucket": "short", "chars": 835, "company": "Midwest Recovery Systems", "date_received": "2018-05-14", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "fc71a87aa2ee6ce5c077f12872b8e9a6b0c2cf22460e5ddfeca2f68844bd6bd5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am deeply saddened to share that when I logged into my mortgage portal today, I was met with a surprise. I noticed that my regular payment had almost doubled from the previous amount. It feels unfair and unjust for the insurance to increase to {$20000.00} a year. This sudden hike in price is a clear abuse of power over consumers, and it places a significant burden on regular-income families like mine who may struggle to make ends meet. \nI immediately reached out to the relevant parties via email to express my disapproval of this new insurance policy and requested that my previous insurance be reinstated. As a consumer who entrusts the XXXX XXXX to take care of the servicing of my loan, taxes, and insurance, I was left wondering why they would let this happen. I am hopeful that they will understand my concerns and take swift action 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": "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/7086029", "source": "cfpb", "group_id": "cfpb/b2b794b3a9bbd452a9aa", "variant": "clean", "length_bucket": "short", "chars": 870, "company": "Onity Group Inc.", "date_received": "2023-06-07", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "b2b794b3a9bbd452a9aab57cb0d52acf88e55cbf0330d8e930a80e5642be5a44", "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 decided to refinance my XXXX XXXX XXXX, which was financed by Chase Auto dba XXXX XXXX XXXX, with a new creditor. The new creditor, based in XXXX XXXX, TX, advised on XX/XX/XXXX that they had mailed a payoff check to Chase, who also operates their auto division and receives payoff checks at a XXXX XXXX address ( i.e., USPS transit time should have been one business day ). \n\nIn the final days of XXXX, I noticed that my Chase account was still open for this vehicle, and had not shown any payoffs come through. My regular payment was still showing due on XX/XX/XXXX, which I was counting on not paying due to the refinance ( which had its first due date of XX/XX/XXXX ). I contacted the new creditor several times and they confirmed that they absolutely sent the check on XX/XX/XXXX but it had not yet been deposited by Chase. \n\nOn XX/XX/XXXX, I contacted Chase and asked why they were delaying the payoff. They rebuffed this, stating that they never received any payment from the new creditor, and the agent specifically told me on a recorded line that they \" do not delay '' in processing payoffs and that the checks are processed the day that they are received. I asked for a supervisor who echoed the same sentiment and told me that there was nothing in the account history visible to employees that showed any mail being received from the original creditor. \n\nI contacted the original creditor again, who stopped payment on the original check, and overnighted a brand new one to Chase. However, on XX/XX/XXXX, I received a letter from Chase that stated that the original payoff check that they had apparently attempted to process on XX/XX/XXXX - before my XX/XX/XXXX call to them - had been stopped, and so my successful payoff of the account had been reversed. My online account balance showed that this was later corrected by the second check the new creditor had overnighted, which Chase only processed on XX/XX/XXXX - 10 days after it would have been received via overnight delivery on XX/XX/XXXX. \n\nThe pattern of events shows that Chase XXXX representatives lied about two separate things during my XX/XX/XXXX call with them : One, that they had not received anything from the original creditor, which is now shown to be patently false by their own admission that they had a XX/XX/XXXX payoff check that had been reversed. Two, that they \" do not delay '' processing payoffs and process them immediately upon arrival, when in both situations, there appears to be a lead time of 9-10 days ( the XX/XX/XXXX check took until XX/XX/XXXX for Chase to process ; the XX/XX/XXXX check was not processed by Chase until XX/XX/XXXX. Chase continued to mislead and send erroneous notifications by mail, making zero effort to expeditiously make contact with me via phone or e-mail about these events crossing one another, and deliberately lied to me during a due diligence inquiry via 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": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/4635784", "source": "cfpb", "group_id": "cfpb/9b5f6ff8a44bfdb4004e", "variant": "clean", "length_bucket": "medium", "chars": 2910, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-08-16", "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": "9b5f6ff8a44bfdb4004e4d74697e4b23b5cf1c493e0d7d3d9aecaf1ba5fa8f83", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The XXXX loan provider that I work with is Mohela I attempted to reach out to them after I had received a late payment even though every single month I pay a several days before the payment due date. When the payments were restarted back in XXXX it showed that I had a late payment again even after I paid several days before it. I had reached out to them seven times over 2 weeks and had zero response until later after that and even when they gave me a response it was all automatically done which didn't give me any idea of what happened. I had attempted to reach out to them to ensure that my credit would not be affected so that I would not be prevented from getting future loans or it affects any other purchases that I make long-term. They gave me an immediate response that was only telling me when my next payment is due and that I have nothing due but did not clarify if I had actually had a late payment and also if it would affect my credit score. They gave me zero indication of the question I'd ask and gave me what my next payment will be. And I had message him seven times plus attempting a response and all of them were pretty much automated to tell me what my next payment is and that I had nothing due but nothing to answer the question that I had asked ensuring that I would not be affected even if I had paid and had sent them exact dates and time of when I did pay and my history showed that I paid.\n\nOn a second note it also showed two different amounts of what I actually owed to ensure that I don't accrue interest or that it would affect my credit score based on a late payment. Several days before I had paid the amount that it said that I needed to pay for that bill and then when I got back and it said late payment it said a different amount that I owed for that. Of which I paid both amounts the previous amount and the amount that it technically said that I had a late 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": "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/8074785", "source": "cfpb", "group_id": "cfpb/5c43bfdfdf37ba80dd31", "variant": "clean", "length_bucket": "medium", "chars": 1909, "company": "MOHELA", "date_received": "2023-12-28", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "5c43bfdfdf37ba80dd31f18e7abe62ec7a77f7605648058f4a92e8cec7a04c4b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "1. Both XXXX and Ford Motor Credit has refused, TWICE, to protect my Rights as a consumer and to comply with the requirements of the FCRA, FACTA, and others. Their negligent non-compliance is causing me unnecessary harm and damage. I have just received a letter of denial of employment for a high paying job. This lost opportunity and loss of income could have been prevented if they had acted in Good Faith and performed their required duties. \n\n2. Below you will find the specific accounts, with specific details, of the multiple violations XXXX and Ford Motor Credit refuse to delete from my credit report. I ask for your help and assistance to hold them accountable for their non-compliance and the unnecessary harm and injury they continue to cause. \n\nAS WAY OF BACKGROUND 3. XX/XX/XXXX : I presented my initial dispute to XXXX   due to several inaccurate, incomplete and erroneous accounts they are reporting on my credit report. I requested that they verify the information they are reporting, provide proof of their results, and also to correct each violation or delete it off my credit report. \n\n4. XXXX : XXXX submitted their response to my request, stated they verified each account, and continue to report the numerous violations causing me more harm and damage. In addition, although I presented a written request for XXXX to provide and deliver any proof and documentation they collected during their investigation, they refused to provide even a single document or any information whatsoever. \n\n5. XX/XX/XXXX : I presented a debt validation letter directly to Ford Motor Credit requiring the production of a true and certified audit trail for the accounting of their alleged debt ; proof of lawful, proper and timely delivery of any and all required Legal Notices ; proof of the commercially reasonable manner of the resale of the alleged subject vehicle ; and proof that all allowable redemption and cure time limits were strictly adhered to, amongst other things. \n\n6. XX/XX/XXXX : Ford Motor Credit submitted a very generic, uncertified Statement of Account that is BACKDATED to XX/XX/XXXX, and they refused to provide even one of the specific documents required to validate their alleged debt or show proof of their required Legal Notices. \n\n7. XX/XX/XXXX : I mailed a Notice of Default and Right to Cure to Ford Credit via the USPS, Certified Mail, Return Receipt requested. \n\n8. XX/XX/XXXX : Ford Motor Credit signed for and received the Notice of Default and Right to Cure, and they have refused to response in any manner whatsoever. Yet they still report their violations on my report. \n\n9. XX/XX/XXXX : I presented a second dispute to XXXX to inform them the accounts they claimed to verify, were still reporting information in violation of the FCRA. Since XXXX claimed the information was already previously verified, I did not request another verification. Instead, I demanded each of the accounts in violation to be deleted in their entirety. ALSO, I made a SECOND request, in writing, for XXXX to provide and deliver to me a copy of any documentation and information they collected and used during their investigation. ( SEE ATTACHED DISPUTE ) 10. XX/XX/XXXX : XXXX refused to delete the accounts reporting in violation, and they continue to cause me harm and damage. Plus, XXXX still refuses to produce, provide or deliver even a single document or any form of information from their investigation ( as I required in writing a SECOND time ). \n\nOFFICIAL COMPLAINT 11. VIOLATIONS ON BANKRUPTCY ( REFERENCE # : XXXX ) a. XX/XX/XXXX : I presented an on-line request to XXXX to place a Security Freeze on any and all reports and releases of information, associated with my name and social security number, that they provide to any third-party source, company or affiliate. \n\nb. XX/XX/XXXX : XXXX submitted response and confirmation of my requested Security Freeze along with a Personal Identification Number ( PIN ), which is required for me to lift the Security Freeze if and when I so desire to lift the freeze. ( SEE ATTACHED CONFIRMATION ) c. XXXX LIED about their reinvestigation and verification. They state above that they verified my disputed information with XXXX on XX/XX/XXXX. HOWEVER, the Security Freeze was placed with XXXX on XX/XX/XXXX prohibiting any information to be released to any third-party. This freeze has NEVER been lifted since it was activated. \n\nd. I called the courthouse they listed above and requested a copy of any records they have associated with my name and social security number ( if any ) ; and was told they will not release or acknowledge to me, or any other third-party, any documentation or information via telephone, e-mail, fax or U.S. mail. \n\ne. XXXX refuses to comply with the laws they are bound by, refuses to delete this incorrect information, refuses to verify it directly from the original source, and has LIED to me to cover up for their negligent non-compliance. \n\n12. VIOLATIONS ON XXXX ( ACCOUNT # : XXXX ) a. CURRENT STATUS : The Current Status reports as Over 120 Days Past Due Mortgage. This account is reporting incorrect information and is in violation. \n\ni. BALANCE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have a {$0.00} balance due? \n\nii. PAST DUE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} dollars past due? \n\niii. SCHEDULED PAYMENT AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} scheduled payment? \n\niv. ADDITIONAL INFORMATION : Reports account Transferred or Sold. How can I be 120-days past due on a CLOSED account that was Transferred or Sold to another creditor? \n\nb. XXXX refuses to report the creditor this account was transferred or sold to, as is required. \n\nc. XXXX refuses to report the Date of Last Activity as required by law. \n\n13. VIOLATIONS ON CARNGTN MTG ( ACCOUNT # : XXXX ) a. CURRENT STATUS : The current status reports as currently Over 120 Days Past Due Mortgage. This account is reporting incorrect information and is in violation. \n\ni. BALANCE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have a {$0.00} balance due? \n\nii. PAST DUE AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} dollars past due? \n\niii. SCHEDULED PAYMENT AMOUNT : Reports {$0.00} dollars. How can I be 120-days past due when I have {$0.00} scheduled payment? \n\niv. ADDITIONAL INFORMATION : Reports account Transferred or Sold. How can I be 120-days past due on a CLOSED account that was Transferred or Sold to another creditor? \n\nb. They refuse to report the creditor this account was transferred or sold to, as required by law. \n\nc. They refuse to report the Date of Last Activity, as required by law. \n\n14. VIOLATIONS ON FRD MOTOR CR ( ACCOUNT # : XXXX ) a. It is a violation for a creditor to report a deficiency balance unless all the required legal notices were properly and timely served, and all the allowed redemption and cure time limits were strictly adhered to. \n\nb. Ford credit refused to validate their alleged debt by certified accounting and failed to produce even one of the required Legal Notices, Resale Notices, Redemption Notices, or any other documentation. \n\nc. BALANCE AMOUNT : They are reporting a balance of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting. \n\nd. AMOUNT PAST DUE : They are reporting a past due amount of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting. \n\ne. CHARGE-OFF AMOUNT : They are reporting a charge-off amount of {$7800.00} even after refusing to produce proof of a single Legal Notice or certified accounting. \n\nf. SCHEDULED PAYMENT AMOUNT : They report a scheduled monthly payment of {$77.00} dollars on a closed, charged off account, with no payment agreement whatsoever. How can they report a monthly payment on a closed / charged off account? \n\ng. DATE OF LAST ACTIVITY : They refuse to report the Date of Last Activity, as required by law. \n\nh. ACCOUNT HISTORY WITH STATUS CODES : They continue to update and report this account as late each and every month even though it is closed and charged off, and it has no monthly payment to be late on. \n\n15. VIOLATION FOR REFUSAL TO PROVIDE DOCUMENTATION/INFORMATION/CONTACTS : a. Refused to provide any supporting documentation obtained/used in their investigation. \nb. Refused to provide any information obtained/used in their investigation. \nc. Refused to provide any names or contact information obtained/used in their investigation. \nd. Refused to disclose the name of their employee or representative who completed the investigation. \n\nRESOLUTION 16. To RESOLVE this complaint, I demand XXXX and Ford Motor Credit to remove each of these violating accounts, delete them from my credit report immediately, and stop the harm and damage they are causing me. \n\n\n*** END OF 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": "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/3393694", "source": "cfpb", "group_id": "cfpb/c90ef815b77e71efb0c1", "variant": "clean", "length_bucket": "long", "chars": 8939, "company": "FORD MOTOR CREDIT CO.", "date_received": "2019-10-02", "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": "c90ef815b77e71efb0c1822b57552c4dd8dd369ee7a6f3d5905caaf0e882d4ea", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Re : Dispute of Unauthorized Soft and Hard Credit Inquiries due to Data Breach Dear Sir or Madam, I am writing to formally dispute multiple unauthorized hard and soft inquiries that have appeared on my credit report, which were done without my knowledge or consent. Additionally, my information was part of the XXXX XXXX XXXX data breaches, in which my personal data was stolen and used without my permission to seek unauthorized opportunities. \n\nThese unauthorized inquiries have resulted in inaccurate and harmful reporting on my credit profile, and I demand that they be removed immediately. The inquiries in question are as follows : Hard and Soft Inquiries on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my knowledge or consent and should not have appeared on my credit report. The fact that my information was accessed through the aforementioned data breaches and then used to submit these inquiries further underscores the seriousness of the situation. \n\nFederal Law Violations : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : The FCRA mandates that credit inquiries must be authorized by the consumer. These inquiries were conducted without my knowledge or consent, violating FCRA provisions.\n\nThe FCRA also requires credit reporting agencies to ensure accurate reporting. By allowing unauthorized inquiries to remain on my credit report, the agencies are in violation of this federal law.\n\nFair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Although primarily focused on debt collection, the FDCPA prohibits deceptive practices in the collection of any debt, which extends to credit reporting.\n\nGramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ) : The unauthorized access and use of my personal data following the data breaches violate the privacy protections under the GLBA. Financial institutions and credit reporting agencies are required to protect personal information and notify consumers of breaches in security.\n\nIdentity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : As these inquiries may have been related to identity theft, reporting unauthorized inquiries without proper investigation violates federal protections.\n\nMaryland State Law Violations : Maryland Consumer Protection Act ( MCPA ) ( MD. Code Ann., Com. Law 13-101 et seq. ) : The MCPA prohibits unfair and deceptive practices in consumer transactions, including the unauthorized access of personal credit information. By allowing these unauthorized inquiries, credit bureaus are in violation of this state law. \nMaryland Credit Reporting Agencies Act ( MD. Code Ann., Com. Law 14-1201 et seq. ) : This law requires credit reporting agencies to ensure that only authorized and accurate information appears on credit reports. The unauthorized and inaccurate reporting of these inquiries violates this law.\n\nMaryland Personal Information Protection Act ( PIPA ) ( MD. Code Ann., Com. Law 14-3501 et seq. ) : The misuse of my personal information following a data breach is a direct violation of PIPA, which mandates the protection of consumers personal information.\n\nRequested Action : I am requesting the following actions be taken immediately : Remove all unauthorized hard and soft inquiries listed above from my credit report. \nInvestigate the origin of these inquiries, and provide written documentation proving that each was authorized. If they can not be proven to be authorized, they must be removed. \nProvide me with written confirmation once these inquiries have been removed from my credit report. \nNotify any third parties that accessed my credit file improperly, and provide proof that steps have been taken to rectify this issue. \nUnder the Fair Credit Reporting Act, you are required to investigate and resolve this dispute within 30 days. I expect a written response outlining the results of your investigation and confirmation of the requested removals. \n\nThank you for your prompt attention to this serious 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": {"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/10224280", "source": "cfpb", "group_id": "cfpb/a9875c91d1d9b3d41d67", "variant": "clean", "length_bucket": "long", "chars": 5091, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-09-24", "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": "a9875c91d1d9b3d41d67b6df47431228893db5ce81e09dc0fcc18759663b9029", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. \nA follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2027370", "source": "cfpb", "group_id": "cfpb/432812f936af844a28b0", "variant": "clean", "length_bucket": "medium", "chars": 1303, "company": "CITIBANK, N.A.", "date_received": "2016-07-24", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "432812f936af844a28b08c6bbcdc8951045c69449b25d06c5dd06555afeb0988", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a pre-paid Visa Debit card as the result of a promotion by XXXX for a set of XXXX appliances i bought from XXXX. XXXX. The card value was {$300.00}. The card was issued in XXXX of 2015. This was an XXXX promotion, not a XXXX XXXX promotion. I set the card aside in anticipation of using the funds for a project in the near future. I did n't realize the that the actual physical card had an expiration date ( the expiration was XXXX, so the card was only good for 6 months ). When I tried to use the card, I was told that it had expired. It is my understanding that these kind of cards are to be honored up to 5 years for the date of issuance. I have tried very patiently to get XXXX, XXXX, the XXXX XXXX, XXXX, and XXXX to honor the card. They have all gave me the run around, or have passed me on to someone else, someone else who ultimately could not help me. Can you please help me with this matter? Do I have any recourse? Is their denial to honor the funds legitimate?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2219794", "source": "cfpb", "group_id": "cfpb/1a948826ae7752cca6d8", "variant": "clean", "length_bucket": "short", "chars": 984, "company": "Blackhawk Network Holdings Inc.", "date_received": "2016-11-22", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "1a948826ae7752cca6d8d86dda15db0bd4ad147865130b586c4e4c46beb8f8ed", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions. \n\nAmount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls. \n\nDetails : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages. \nEach time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting. \nI started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability. \nAllys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do. \nIve spent significant time on the phone and webchat trying to recover losses 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": "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/3934142", "source": "cfpb", "group_id": "cfpb/0f2e1564beff8db51d39", "variant": "clean", "length_bucket": "medium", "chars": 2724, "company": "ALLY FINANCIAL INC.", "date_received": "2020-11-03", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem making or receiving payments", "text_sha256": "0f2e1564beff8db51d3934e56a1af6df1b34cc683eeb4ed712e79b838aba02b6", "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 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 ( 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. 1. XXXXXXXX XXXX XXXX bal. {$3000.00} 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 XXXXXXXX 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/4530195", "source": "cfpb", "group_id": "cfpb/5552dd9d9e44eeb83dbe", "variant": "clean", "length_bucket": "long", "chars": 5789, "company": "Credit Corp Solutions Inc.", "date_received": "2021-07-10", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "5552dd9d9e44eeb83dbee4347ebd2116e0750d76850f95effb67148e5a7c2fbc", "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 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. COML ACCEPT & {$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/4869942", "source": "cfpb", "group_id": "cfpb/f3e2326e228f990c24c7", "variant": "clean", "length_bucket": "long", "chars": 5783, "company": "Commercial Acceptance Company", "date_received": "2021-11-02", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "f3e2326e228f990c24c75d430ac9d5fc11e60d628d2f079eb68f35f0bba19a38", "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 received a bill stating I was late on a payment and was charged a late fee and interest. I went to check my account and noticed the bill due alert had been removed without notice and can no longer be applied. \n\nXX/XX/XXXX late fee applied XX/XX/XXXX I submitted a payment for the amount on the bill, {$13.00}. \n\nXX/XX/XXXX a {$2.00} interest fee was charged XX/XX/XXXX late fee and interest charge reversed after contacting support and pointing out they removed the very alert they were telling me to use. \n\nAt this point, the balance on the card is {$0.00}. \n\nXXXX I receive a bill stating I owe {$2.00} when I haven't used the card in a long time. \n\nXX/XX/XXXX a {$2.00} interest charge was applied I contacted support once more telling them I am being charged interest when my balance is {$0.00}. They responded by saying that is correct because I have a carry-over balance. Again, there is no balance as all charges are paid off. \n\nI replied to the response with proof of their fraud showing the statement proves a {$0.00} balance and they charged the fee in obvious retaliation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4929675", "source": "cfpb", "group_id": "cfpb/3d03c5c63c2e51299cbf", "variant": "clean", "length_bucket": "short", "chars": 1097, "company": "Bread Financial Holdings, Inc.", "date_received": "2021-11-19", "product_raw": "Credit card or prepaid card", "issue_raw": "Fees or interest", "sub_issue_raw": "Problem with fees", "text_sha256": "3d03c5c63c2e51299cbfe7dea082797fa645b05dc50c0987bd71df5b2c7ce872", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX I allegedly, purchased a XXXX XXXX XXXX from XXXX XXXX and Credit Acceptance was allegedly my lean holder. I contacted this agency around XX/XX/XXXX to complain about Credit Acceptance charges. Since then i contacted the XXXX Around XX/XX/XXXX. Then I have contacted the XXXX XXXX  office Around XX/XX/XXXX, XXXX XXXX XXXX is still investigating my complaint. I'm contacting this agency again, because it had just came to my attention on XX/XX/XXXX, XXXX did the switch and bait, and deceptive sale of my alleged XXXX XXXXXXXX XXXX. My signature was forged, and the original date of my alleged vehicle purchase of the XXXX XXXX dated XX/XX/XXXX, was changed by XXXX and Credit Acceptance to force me into vehicle warranty contracts, ) when I was told by XXXX XXXX from XXXX that i only purchased optional Auto protection plan and from XXXX, separately from the vehicle purchase and i didn't have to and I did not sign any contract for these plans ) Also, credit acceptance has stole my identity, and insurance money from my accident on XX/XX/XXXX that resulted in the XXXX XXXX XXXX being a total loss. Credit acceptance posed as my lean holders, because around, XX/XX/XXXX, XXXX XXXX from credit acceptance, responded, to my XXXX XXXX complaint, she stated that the copies of the XXXX XXXX XXXXXXXX paperwork I received from XXXX XXXX at XXXX XXXX in XXXXXXXX XXXX  on XX/XX/XXXX, was a fraud/not valid, because it do not have my signature on them. XXXX also stated to me on the phone, that she spoke to XXXX from XXXX finace department and XX/XX/XXXX was my original date of sale. XXXX then stated that there is no proof of the XXXX explorer being purchased by me on XX/XX/XXXX. XXXX also says Credit Acceptance has Electronic copies, and the original signed wet copies that is in their system and is dated XX/XX/XXXX. On XX/XX/XXXX XXXX responded to my XXXX XXXX complaint, and stated my purchase date is XX/XX/XXXX. However, I'm concerned about XXXX response, because I have complained also to the other 2 companies XXXX, and this CFPB, and XXXX at credit Acceptance, answer to my complaints has always been the same that she spoke to XXXX XXXX as part of each investigation. So why XXXX didnt provide Credit Acceptance with the original XX/XX/XXXX, purchase date paperwork when they first Electronically filed? Also Why didn't XXXX provide XXXX XXXXXXXX with the original XX/XX/XXXX, when she stated she spoke with the dealership, in my prior complaints? Also how did my name and wet signature get on these warranty contracts ( which these contracts states that if there is any incorrect information on the contract, it is not valid and, the Gap contract states that if it is not purchased on the original purchase date it is not valid ) XXXXCredit Acceptance paperwork dated XX/XX/XXXX, makes these contracts and all paperwork, a Fraud and void. Therefore, Credit Acceptance investorgator wytekia response to my attorney general complaint clearly states that Credit Acceptance didn't know anything about my alleged XXXX XXXX XXXX, being finance by them on XX/XX/XXXX, nor do they have any paperwork for that purchase date. XXXX has also alleged Credit acceptance has no evidence of this date in my previous complaints, with the XXXX and CFPB. \n\nTherefore Credit Acceptance was never my lean holder, and since XXXX XXXX with Credit Acceptance stated my paperwork was no good in her response to my attorney general complaint, that means the XXXX XXXX XXXXr was not my vehicle. This means im out of over XXXX dollars plus intrest, and this sale was very deceptive and both companies was using my personal information for contracts ect, knowing this was a Fraud, because if i didn't complain to these agencies, especially the XXXX XXXX office, XXXX would have kept helping Credit Acceptance cover up and, hide my original paperwork that i signed electronically. The only paperwork i signed with my wet signature, is the paperwork on XX/XX/XXXX, when i purchased my XXXX XXXX from XXXX not knowing that i was already apart of their XXXX. What was XXXX and Credit Acceptance really trying to do by not making sure I signed those original paperwork dated 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": "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/8764507", "source": "cfpb", "group_id": "cfpb/aec36001fe25c32064e6", "variant": "clean", "length_bucket": "long", "chars": 4173, "company": "CREDIT ACCEPTANCE CORPORATION", "date_received": "2024-04-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Loan opened without my consent or knowledge", "text_sha256": "aec36001fe25c32064e61bbf8cf45682c210bad3f4a77ebd33a57fc8c5943ad7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "HOW I GOT INVOLVED WITH THIS COMPANY In XXXX of XXXX ( XX/XX/XXXX ) I received in the mail offers for unsecured quick closing, money in account within ( 48 ) hours, from One Main Financials. \" CONSOLIDATION LOANS '' I didn't respond because I thought it was a scam. I was speaking with a credit union personnel at XXXX in XXXX, who also referred me to this same company ( One Main ) that I had received the mailing advertisement from. \nSo I went online to look then up and several other companies came up, also came up was another company that stated, fill out one form and we will ( THEY ) COMPARE SEVERAL LENDERS AND FIND THE BEST ONE } for my needs of consolidation. \nThey suggested \" ONE MAIN FINANCIAL ) same as the credit union. \nI applied and was approved, but was told I had to pay off my car loan on my car as well, they however they did not ask that the credit cards be paid off even though the loan was to pay off the high interest rate cards ; only the car loan was required to be paid off before I could close on the loan. I explained that the car loan is only 5.1/2 % compared to their interest rate which would be between 12 to 16 % for the {$7000.00} I was requesting, and that it would not make sense for me to do that. At no time was I ever advised that my car would be used as collateral. ( Now I understand their instance ( demand ) of my paying off my Credit Union Car Loan. \nThey wanted to use my car as \" XXXX \" without telling me. ( \" XXXX of Me '' ) I however had a unit that we had up for rent on craigslist and someone was interested in renting by XX/XX/XXXX. \nAt the time we were still waiting on the adjuster and insurance company to pay us to repair the unit damages that were caused by water intrusion into the unit. \nI told my daughter that I would go ahead and take the loan, pay to fix the damages in the unit so that the tenant can move in in XXXX ( keep all receipts ) and I would hold off paying off the 'CREDIT CARDS '' and when the insurance company paid for the damages, she can refund me the funds to pay off the credit cards. \nThe adjuster XXXX wanted to bring his lawyer friend involved in the insurance claim, ( so that both could clean up off the claim, this is XXXX ) which my daughter did not want do. XXXX refused to release the claim so that another adjuster could take over, so the claim still have not been resolved and I am stuck with both my credit cards and \" ONE MAIN FINANCIAL LOAN PAYMENTS '' Another surprise from \" ONE MAIN FINANCIAL GROUP, LLC '' At the closing my loan amount was higher than expected, when I went through the loan line by line the following items were attached to my loan amount without my knowledge ; Making my monthly payments {$480.00}, then {$410.00} after that, more than what my car payments were at XXXX. The added items that were never discussed with me were : ( 1 ) Single Disability Premium of {$710.00} ( Still don't know what that for ). ( # 2 ) IUI??? {$390.00} ( ( # 3 ) MV Certificate of Title fee of {$74.00} and ( # 4 ) Documentary Stamp Tax of {$51.00} adding a total of {$1200.00} to the loan all without my knowledge. I had asked them to remove it before signing the documents on the computer in their office, but never received a revised copy, or a check for the {$1200.00} which I had requested when I refused these charges. I still am not sure it was ever removed from the total loan amount or if I am still paying interest on that as well. \nAfter I went back to school and was not making the {$2400.00} per month at the law firm I was working at the time that I took the loan from ONE MAIN FINANCIAL, and the {$380.00} monthly payment had started to become an issue, the loan officer stated that I could modify the loan for a lower payment, which I did, on from {$380.00} to $ 252.+ change. I never received any new additional loan documents with the new interest rate or new loan payments, just a one sheet paper with the amount to be paid.\n\nThey had me made two payments of the new amount plus my normal monthly payment, which I did not understand at the time but did because they kept calling stating that my payment will be late, even though I had already made two payments including the month they were asking me to pay. \nWhen the COVID-19 Pandemic I was advised that they were modifying loans to lower the payments for their customers due to COVID-19. The process started first week of XXXX, XXXX. I kept calling asking what amount should I pay and was told it not approved as yet, I have to wait, so I waited. On XX/XX/XXXX I was called and advised that the modification was approved, I must come and sign and make the payment. I did, so on XX/XX/XXXX I went to the XXXX office in XXXX to signed the paper with the new amount and to make the payment. I ASKED HER WHY THERE WERE HARDLY ANY DIFFERENCE FROM THE PREVIOUS AMOUNT OF {$250.00} PLUS CHANGE, AS THE NEW PAYMENT IS NOW {$190.00}, SHE STATED THAT WAS WHAT WAS APPROVED AND A PAYMENT MUST BE MADE TODAY, SO I SIGNED AND MADE THE PAYMENT OF {$190.00} ( SEE DOCUMENT ENCLOSED The paper I was asked to sign when I made the payment stated that I need to make my payment by XX/XX/XXXX again, and that this is a permanent modification. The paper I signed also had written on it trial payment required, which I assumed it to be like any other loan modification trial period to ensure that we make the required payment amount by the required time and date. \nThis turned out not to be so with ONE MAIN FINANCIALS LLC.\n\nBy the General manager, own admission MrXXXX XXXX XXXX XXXX XX/XX/XXXX in the XXXX Office, with whom I met with ( After numerous emails and phone calls both to the local and to the executive office ) stated that I am required to make two payments for XXXX, one for the 2nd and one for the XXXX of XX/XX/XXXX. \nHe also stated that I have no choice in the matter, he can remove the late fees being charged but I am required to pay it or pay off the loan, or get reported to credit bureau as being late on my payments I offered him the keys to my car ( by his tone in speaking with me ) and because as I have been explaining to everyone at One Main Financial that this COLLECTING UP- FRONT AND ALSO ON THE BANK END IS ILLEGAL. \nThey claimed that XXXX was not paid, which was when the modification had started. At no time when I called about the modification been completed in XXXX was I advised that I needed to make a payment. Secondly the XXXX payment have been deferred based on the conversation I had with XXXX XXXX and all statements since XX/XX/XXXX. Which reads as follows : \" YOU WILL BE REQUIRED TO PAY {$210.00} IN FORBORENE PRINCIPAL AND /OR INTEREST ON XXXX XX/XX/XXXX. Please see your loan modification for detail. \nI have been \" DISPUTING THIS DOUBLE CHARGES SINCE XX/XX/XXXX UNSUCCESSFULLY AND AM REQUESTING A FULL INVESTIGATION BY THE CFPB INTO ONE MAIN FINANCIALS PRACTICES OF KEEP ASKING IT'S CUSTOMER TO MODIFY THEIR LOANS THEN KEEP CHARGING ONE EXTRA MONTH PAYMENT ON EACH MODIFICATION, PLUS STARTING OVER THE PAYMENTS AND TAKING ALMOST 90 % OF EACH PAYMENT EACH TIME FOR THEIR INTEREST. \nI THINK IT'S VERY SIMILAR TO PREDATORY LENDING IF NOT SO. \nI HAVE BEEN PAYING ON A {>= $1,000,000} LOAN SINCE XX/XX/XXXX AND HE GAVE ME THE PAY OFF AMOUNT OF {$11.00}, XXXX SHOWING THAT SINCE XXXX TO XX/XX/XXXX THE LOAN AMOUNT HAVE ONLY BEING REDUCED BY {$1100.00}. \nIF THE CFPB DOES NOT FIND THIS ALARMING, THEN SOME THING IS VERY WRONG. CONSUMERS ARE NOT BEEN TOLD UP FRONT THE TRUTH IN THE LENDING PROCESS AND ARE BEING TOTALLY MISGUIDED AND FRANKLEY BEING RIPPED OFF, BECOMING SLAVES TO THIS LENDING INSTITUTION. \nTHE PUBLIC SHOULD BE MADE AWARE ON YOUR WEBSITE. \nTHIS IS ALSO UNETHICAL, ESPECIALLY WHEN IT IS BROUGHT TO THEIR ATTENTION, AND INSTEAD OF MAKE THE PROPER CORRECTION, THEY ARE TELLING ME I HAVE NO CHOICE BUT TO PAY IT AND I WILL CONTINUE TO BE CHARGE LATE FEES UNTIL I MAKE THAT EXTRA PAYMENT OR PAY OFF THE LOAN. AS I TOLD MR. XXXX HE CAN HAVE THE KEY TO CAR, I WILL BE HAPPY TO TAKE THE BUS, THEN BE RIPPED OFF. \nPLEASE START A FULL INVESTIGATION, AND PLEASE DO NOT PUT POLITICS OVER THE PROTECTION FROM THIS ABUSIVE FINANCIAL PRACTICES BEING DONE TO INNOCENT CONSUMERS WHO ARE MADE TO BELIEVE THAT THEY ARE DEALING WITH A FIDUCIARY FINANCIAL INSTITUTION.NOT SO IT SHOULD BE A WIN/WIN RELATIONSHIP, INSTEAD IT'S ALL ABOUT HOW MUCH INTEREST THEY CAN TAKE FROM EACH BORROWERS. \nTHANK YOU FOR YOUR ASSISTANCE. \nPlease do not put politics before the consumers who can not make large contributions to political parties in control. \nI am aware of their financial contributions to their political party. \nPlease help stop this abusive lending practices to innocent consumers 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"}, "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/3874005", "source": "cfpb", "group_id": "cfpb/31857d4080abe967244a", "variant": "clean", "length_bucket": "long", "chars": 8679, "company": "OneMain Finance Corporation", "date_received": "2020-09-30", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "31857d4080abe967244a0073890dcbed04de2be27b17deb4654bbeaae7623ee3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I MADE A HOTEL BOOKING AT THE XXXX XXXX XXXX VIA XXXX ON XX/XX/XXXX FOR XX/XX/XXXX AND ON XX/XX/XXXX TRIED TO CANCEL THE RESERVATION BECAUSE THE VISA WAS DENIED. XXXX TRIED TO REASON WITH THE HOTEL BUT THE HOTEL CHARGED MY CARD. I TRIED SPEAKING WITH THE MANAGEMENT BUT THEY WILL NOT REVERSE THE CHARGES. I DISPUTED WITH MY BANK ( BANK OF AMERICA ) HOPING FOR A SENSIBLE RESOLUTION BUT THE BANK IS TAKING SIDES WITH THE HOTEL. I MADE A DISPUTE FOR THE CHARGES ON XX/XX/XXXX AND ON NOT GETTING ANY KIND OF LETTER I CALLED THE BANK ON XX/XX/XXXX ONLY TO BE INFORMED THAT NO DISPUTE WAS LOGGED. I THEN TOLD THE AGENT THAT IT WAS NOT ACCEPTABLE THAT I HAD TO FOLLOW UP ON MY DISPUTE WHICH WAS SUPPOSED TO BE LOGGED ON THE XX/XX/XXXX WHICH WAS NOT. \nON XX/XX/XXXX I GET A LETTER FROM BOA THAT THEY ARE UNABLE TO RESOLVE THE CHARGES STATING MERCHANTS HAVE THEIR OWN CANCELLATION POLICY AND BOA CAN NOT INTERVENE. \nI CALLED BOA ON XX/XX/XXXX TO INFORM THAT I WAS NOT HAPPY WITH THE RESOLUTION AND THAT I NEEDED MORE INFORMATION ON HOW THE ISSUE WAS INVESTIGATED AND HOW DID THEY REACH THE DECISION THAT THE MERCHANT WAS RIGHT TO CHARGE MY CARD FOR NO SERVICES PROVIDED. \nTHE AGENT MS XXXX FROM TENESSEE LOCATION FAILED TO PROVIDE ME ANY INFORMATION. ON ASKING FOR A SUPERVISOR SHE TOLD ME ALL SUPERVISORS ARE BUSY AND THAT I WILL BE ABLE TO GET A CALL BACK AT XXXX. WHEN I TOLD HER THAT I AM WILLING TO HOLD THE LINE FOR ANOTHER 3.5 HRS SHE TOLD ME SHE CAN NOT PUT ME ON HOLD FOR THAT LONG. I TOLD HER THAT I WILL NOT BE ABLE TO TAKE THE CALL AT XXXX BECAUSE I WILL BE AT WORK. SHE PUT ME ON HOLD AND AFTER 20 MINUTES A SUPERVISOR BY THE NAME XXXX WHO SOUNDED UPSET WITH MY INSITANCE TO HOLD ANSWERED ME RUDELY AS TO HOW HE CAN HELP ME. ON REMINDINING HIM THAT I WAS IN CONVERSATION WITH XXXX HE THEN STATED OH ITS ABOUT THE {$690.00} DISPUTE. I TOLD HIM YES IT WAS AND ALL I WAS REQUESTING IS INFORMATION ON HOW THEY REACHED THE CONCLUSION THAT THE HOTEL IS RIGHT IN CHARGING MY CARD FOR NO SERVICES PROVIDED. XXXX STARTED ARGUEING WITH ME AND GAVE ME THE SAME ONE SENTENCE ANSWER I GOT IN THE LETTER. ON BEING TOLD THAT I WILL NOT STOP DISPUTING THIS CHARGE AND FOR THAT I NEED MORE INFORMATION AS TO WHERE DOES IT STATE ABOUT THE CANCELLATION POLICY BECUASE THE HOTEL WEBSITE DOES NOT STATE ANYWHERE ABOUT ITS CANCELLATION POLICY. HE STATED HE WILL SEND ME A LETTER IN MAIL. \nI WANTED MORE INFORMATION FROM MY BANK WHICH IT FAILED TO PROVIDE ME. \nIN VIEW OF THE ABOVE IT IS REQUESTED THAT BOA BE INVESTIGATED AND A RESOLUTION BE PROVIDED TO ME IN THIS DISPUTE BECAUSE {$690.00} IS MY ONE WEEK PAY CHEQUE. \n\nTHANKING YOU FOR YOUR TIME AND CONSIDERATION KIND REGARDS 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/3380590", "source": "cfpb", "group_id": "cfpb/b37461e43ada9159c429", "variant": "clean", "length_bucket": "medium", "chars": 2665, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2019-09-20", "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": "b37461e43ada9159c42966608445564eeb12ab602517f39f917f623132027f05", "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 in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used 2 credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up 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": "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/4566970", "source": "cfpb", "group_id": "cfpb/1312c88a3a701a68b266", "variant": "clean", "length_bucket": "short", "chars": 722, "company": "Chime Financial Inc", "date_received": "2021-07-23", "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": "1312c88a3a701a68b2669d4ebec5cd4008c0d90691b3ba0118f73db33c24b9a9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My bank account was compromised in XXXX and all my money was stolen. Because opted not to prosecute the bank did not give my money back, which caused all my bill to be late and a financial hardship. I have two accounts with Reliable Credit and I tried to combine them so I could make one payment instead of two. I was told by the XXXX XXXX office where I have one account I could, but the XXXX office where I have my second account said I could not. While I waited for a response my account when further past due. By XXXX I was told to pay the full balance or go into collection for loan number 1 at the XXXX XXXX branch. I said I did not have the over XXXX amount and she immediately wrote off my account in XXXX during a pandemic. I was told today by XXXX the Vice President of Reliable that they ask for the past due and not the full balance. I informed him that the manger at the XXXX XXXX store demanded the full balance or I would have tried to work something out. I tried to fix this back in XXXX, XXXX and now again in XXXX. I just want them to do the right thing. I have had a past loans with them and always paid on time. I also have an existing loan with them and pay it on time too. I feel I should not have had this done to me during a Pandemic.", "questions": {"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/4018390", "source": "cfpb", "group_id": "cfpb/43241146bc1b259a15e3", "variant": "clean", "length_bucket": "medium", "chars": 1258, "company": "Reliable Credit Association, Inc.", "date_received": "2020-12-17", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "43241146bc1b259a15e352d2bcad79f71eba26565dc73420e306be8a76c44dec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Fed Loan Servicing aka Pennsylvania Higher Education Assistance Agency ( PHEAA ) enacts extremely deceptive tactics against student loan holders. Fed    Loan Servicing plans and executes illegal and falsified obstacles at every stage of repayment. The egregious misinformation, deception, horrific customer service, and fraudulence at every step of the needlessly insurmountable barriers Fed  Loan devises to confuse and take advantage of unwitting people are conduct that needs to be investigated and brought charges against. They have even instituted call centers where the customer service employees willingly lie and deceive callers so they can quickly get them to agree to various changes, such as IDR to IBR repayment plans and then they never do what they said they were going to do. They are destroying peoples lives in this country. Literally, it seems it is somehow legal for these organizations to destroy peoples lives in the name of profit for their organization and shareholders. \n\nIn XX/XX/XXXX I called to check on my account and resubmit my information for the repayment plan. At that time, they said I should change mine from IDR to IBR since it would better fit my current income better. I completed all the paperwork and completed the income verification via the IRS connection. All the paperwork was completed and sent in. I called to check XX/XX/XXXX and they said everything is fine and that all I needed to do was send in a check for {$71.00}. I sent the check in. I followed up with another phone call to verify they received the check and that everything was ok. They said based on my income the payment would be around {$41.00} per month. They said that the repayment program I was being enrolled in is the 20-year loan forgiveness program. I said that I had been in the 10-year loan forgiveness program since I was working in public service state government jobs for over 7 years. Then they said I only have 5 years on file. Then we talked about how many years was going to be subtracted from the now 20 years. They said that when it is complete that the student loans would be forgiven and there would be no income tax, nor any other tax charged to me. I said okay, I will enroll in that program. They said that in XX/XX/XXXX my account would show that I could pay the {$41.00} per month payment. I have checked back with them every two weeks to see what is going on with the account and why the payment is not available in the account. It is now XXXX and the account still does not allow me to pay {$41.00}. \n\nPlease help bring enforcement action and justice to the criminals at Fed  Loan Servicing and Pennsylvania Higher Education Assistance Agency. Just because they have the word assistance or servicing in their deceptively named companies does not mean they are actually helping anyone other than themselves get richer and make their shareholders richer. They are predatory lenders. They are predatory lenders taking advantage of uneducated and unwitting students in this country. \n\nUnfortunately, I can only assume that enough lawmakers agreed to allow these criminal organizations to charge upwards and over 7 % interest rate on student loans while the bank interest rate has been at historically low nearly 0 % interest rate. So not only do the banks get to benefit from peoples uneducated decisions and suffering, but also the lenders. It is an unfortunate society where it continues to support and encourage organizations to institute predatory lending and use deceptive tactics such as call centers, etc. to illegally misappropriate students information, misled customer account status, falsify employee numbers, institute processes that ensure inordinate wait times, and many other deceptive tactics used so they can continue to take advantage of student loan holders. \n\nI am not sure why these types of practices are supported by the United States Education Department and the United States Congress. I can only speculate that the government administrators and lawmakers are somehow incentivized by the corrupt practices of the loan servicers and providers. I believe they should not be that way because they are destroying peoples lives. I hope that you will help bring justice and resolve these issues and concerns.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3241229", "source": "cfpb", "group_id": "cfpb/b179aa78f1967ecf4bf8", "variant": "clean", "length_bucket": "long", "chars": 4261, "company": "AES/PHEAA", "date_received": "2019-05-13", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "b179aa78f1967ecf4bf8ac9c2697eda289e2d3464e837e12b1efe26287e27f3f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I've been fighting tooth and nail since XXXX, trying to recover {$2500.00} of my money that ServiceMac \" sent into the void '' in XXXX. After hours spent across 10 phone calls with them, I've observed that they blatantly make things up, contradict each other, don't do anything they say they will, and never follow up about anything. Many of the calls have gone through the same series of dialogue : We didn't make an accounting mistake. And if we did, we already sent you a check to fix the discrepancy. And if you didn't receive a check, we also sent the money via debit. And if you didn't receive the debit, we need some proof. And if you have proof, apologies about the mistake, we will follow up with our \" XXXX XXXX '' and get back to you. Many times they've acknowledged the mistake, and promised that the issue has been resolved and that the money will be returned to me. But it never happens, and I have to call again a couple days later and re-start working through the above dialigue. \n\n\nSome background, my mortgage started in XXXX, but the wrong start date was set up. I was told to make a payment towards XXXX, and that it would be retroactively applied to the XXXX payment. I did this. And then in addition on XX/XX/23 I made a {$2500.00} principal only payment to my mortgage. The initial XXXX payment was reversed and applied to the XXXX payment as agreed on, but the separate {$2500.00} principal only payment was mistakenly reversed and applied to the XXXX payment as well, sending the money into \" limbo ''. \n\n\nXX/XX/23 I realized this when I noticed the discrepancy with the remaining balance. I called and explained what I was seeing, the mistake of the reversal was acknowledged, and they told me I should have received a check for a refund. I absolutely did not receive a check. I requested that the money be re-applied to the principal like I originally wanted, instead of sending another check. They agreed, and said it would take 3 weeks ( wow! that's a long time ) for the request to process. \n\n\nXX/XX/23 I realize that the money was never re-applied to my principal. I call to figure out why, and they tell me that they aren't allowed to re-apply it, they need to return it to me. But they didn't follow up with me to let me know or send me another check, they just let it sit in limbo for more than a month. They offer to send the money through ACH debit, and I agreed. I was surprised to verbally give my account number over the phone for this, usually a secure portal would be used. They said the money should be in my account by XX/XX/23. It wasn't there by then, and I called XX/XX/23 to figure out why. They said it takes 10 business days ( XXXX search says 1-3 for ACH debit? ), but that the previous person gave the estimate on days not business days. So it should be in my account absolutely no later than the morning of XX/XX/23. Surprise surprise, it's not there. \n\nXX/XX/23 I called again to figure out why. The \" XXXX XXXX '' stopped the debit and flagged it as \" already paid ''. They claimed they already sent me a debit for this in XXXX. Then they wanted proof that I had not received the debit, and wouldn't acknowledge that they had {$2500.00} of my money in limbo until I showed them proof. \n\nXX/XX/23 to XX/XX/23 my issue has been escalated, and I've had 5 phone calls and spent several hours trying to get this resolved. Three different managers have told me they would be my point of contact for resolving this, but they still don't follow-up, and each time I call and try to be connected to one of them they are no-where to be found. One manager \" combed through '' my account history with the \" XXXX XXXX '' ( even though I explain exactly what the mistake was every single time I call ), and concluded that indeed they did mistakenly reverse the {$2500.00} and \" applied it '' to the XXXX payment. And that much of the confusion was because they have been investigating the XXXX mortgage payment that was reversed and re-applied to the XXXX payment at the same time. At this point it became abundantly clear that this incompetence is deliberate. They are purposely trying to steal my money, while making things up and sending me in circles. \n\nThe manager handling the case told me that the money would be overnighted to me as a check. But then called me 10 minutes later letting me know that since it was \" already applied as a mortgage payment '' that it couldn't be sent back to me. And that the solution was to just apply it to my XXXX payment, and then I would skip a mortgage payment. I asked if she's verified that the \" XXXX XXXX '' was on board with this, and she assured me that they were, and that they would call in a couple days to verify that things were wrapped up. A week later and the portal is showing that I still owe an XXXX payment. \n\nXX/XX/23 I call to make sure that the plan is still for me to not make an XXXX payment to settle the difference, and it was as if the previous conversation had never happened. After working through the same dialogue for the tenth time, another manager \" combed through '' my account history, and determined that the best course of action would be to send the money back to me. I mentioned that the previous time I called, I was told they couldn't, and many times before that, the XXXX XXXX flagged and stopped it. So they agreed that I shouldn't make an XXXX payment to settle the difference, and that my primary contact for my issue will call me in a couple days to confirm. This time I asked if I could get this in writing, as this is exactly what I was told a week ago, and I want to protect myself from getting a late charge. They refused. So I guess in a couple of days when it turns out they were making up whatever they had to in order to get me off the phone, I will be calling again. And then a couple days after that. And so 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": "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/7361517", "source": "cfpb", "group_id": "cfpb/4344aac0a155f79c9c11", "variant": "clean", "length_bucket": "long", "chars": 5851, "company": "SERVICEMAC, LLC", "date_received": "2023-08-08", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "4344aac0a155f79c9c112cbcd87b1e669a8e919d3b640e076a37921c885020d4", "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 certified letter from my county tax bureau that I was in default of paying my local school taxes from the previous year - XXXX. \nThe amount due ( with penalties ) is {$2800.00} that was to be paid on XX/XX/XXXX. The bill was to be paid via escrow by my company EmbraceXXXXXXXX XXXX, but was rejected back to the mortgage company on XX/XX/XXXX by the local tax collector in my School District for an unknown reason. \nNo other payment was made after XX/XX/XXXX, and I was not notified of a problem until I received the certified letter from my county in XXXX. \nOn XX/XX/XXXX, I faxed all of this information to Embrace and asked them to pay before the deadline ofXX/XX/XXXX. I have made several inquiries since then as to the status of this problem with no resolution. As of today XX/XX/XXXX, I have had no correspondence that assures me that this will be paid on time. If it is not, new fees will be assessed.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2872247", "source": "cfpb", "group_id": "cfpb/c24705f8fd9cc775ce4c", "variant": "clean", "length_bucket": "short", "chars": 935, "company": "EMBRACE HOME LOANS", "date_received": "2018-04-11", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "c24705f8fd9cc775ce4c69ed1f2ffba3f69a24b5e011703ffc8b85db4ee33042", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX, Experian, and XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. \n\nHigh Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. \nUnpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. \n\nXXXX Treatment of credit balances ; account termination. \n( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8665024", "source": "cfpb", "group_id": "cfpb/f63b85cb2212029aec95", "variant": "clean", "length_bucket": "medium", "chars": 2117, "company": "Experian Information Solutions Inc.", "date_received": "2024-03-31", "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": "f63b85cb2212029aec9523bf6bea085334af2e83d48ab4f60646b635f005ced6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Direct express will not send me my replacement card my first card expired I have made several phone calls to their office Social Security administration has repeatedly informed them of my new mailing address they still have not sent me my card I am hung up on frequently when I call the office I have been told by their workers that my address was not changed but it has been three or four times by Social Security because they did not send me my card I was evicted. My daughter and I are in a homeless shelter. They will still not send me my card.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4152572", "source": "cfpb", "group_id": "cfpb/db1ef85edbe38ba276c9", "variant": "clean", "length_bucket": "short", "chars": 548, "company": "Comerica", "date_received": "2021-02-19", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem getting a card or closing an account", "sub_issue_raw": "Trouble getting, activating, or registering a card", "text_sha256": "db1ef85edbe38ba276c92a31deca3333d9660471630ed1a1b06f1ccf50bbb5b8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has also no permission to report anything using my info pursuant to 15 USC 1681 4. Radius Global Solutions shows on my credit report in the amount of {$260.00} dollars. Ive never heard of nor done business with this company or XXXX XXXX XXXX. I have been with XXXX XXXX for well over 20 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX is the only company services that Ive used.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8968752", "source": "cfpb", "group_id": "cfpb/a11a5854f2c8a51b372d", "variant": "clean", "length_bucket": "short", "chars": 518, "company": "Radius Global Solutions LLC", "date_received": "2024-05-09", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "a11a5854f2c8a51b372d86670893cdd35634b2b9b70e5eb0b4128c092e03d3f4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A. Contained herein is a summary of my complaint summarizing why I believe that I am the victim of Fraud, Predatory Lending Practices, and Deceptive Business Practices. \n\n1. On XX/XX/XXXX, I voluntarily entered into a contract as what I told and believed to be, a co-signer for my ex-boyfriend and father to be of my child, for a vehicle loan to purchase a XXXX XXXX financed by the American Honda Finance Corporation ( AHFC ). At that time, I was XXXX years old, a full-time student working 15 to 20 hours per week, part-time/work study making {$10.00} per hour, a position I had held for 3 months prior. My only previous employment was a one-year job as a XXXX at an XXXX XXXX during my Freshman/Sophomore years in high school.\n\n2. Based upon my above cited income and work history, I was told that I was approved to co-sign for my ex-boyfriends car with AHFC for {$34000.00}, at an interest rate of 4.59 % for 72 months. ( See enclosure ( 1 ) copy of contract received XX/XX/XXXX ) 3. My boyfriend at the time of the purchase worked as a XXXX XXXX XXXX at the XXXX XXXX XXXX where the vehicle was purchased. At that time, I was XXXX and would do anything for my boyfriend thinking that we were going to be together and he needed transportation to work and help support our coming child. I was surprised and questioned the finance officer on how I was approved there and could not be approved for my own car at a XXXX XXXX dealership, the same corporate entity. The finance person at the XXXX XXXX dealership said, since my Father was the primary borrower on my car, it would not interfere with me co-signing my boyfriends car.\n\n4. After breaking up with my boyfriend/childs father, he experienced several employment challenges, sporadically made the payments and eventually defaulted on the loan. During the times when his payments were late, I received calls from the AHFC on numerous occasions informing me that the payments were not being made timely and that I was also responsible and that I should make the payments. My response was that I would make all of the payments if they would give me the car. They never responded to me nor agreed to my offer. \n\n5. In XX/XX/XXXX, When I applied for a loan to purchase a home, the mortgage loan office informed me that there was a derogatory mark on my credit in the form of a credit charge off by AHFC. ( See enclosure ( 2 ) 6. When I contacted AHFC, they informed me that the car had been repossessed, and sold for {$7800.00}, almost half of what the vehicle Market Average Price ( {$14000.00} ) per XXXX XXXX XXXX and XXXX XXXX XXXX by XXXX estimates for Private Party Value ( See enclosures ( 3 ) and ( 4 ) ) leaving a balance {$16000.00} that they are asking me to pay. \n\n7. When I asked why I was not afforded the opportunity to take over the loan, they replied that they had sent a letter to my ex-boyfriends address on XX/XX/XXXX informing me of the repossession and the intent to sell the car. In short, I was never contacted prior to the sale of the car and provided an opportunity to address the matter prior to the sale of the car. Yet AHFC had contacted me on previous numerous occasions when my ex-boyfriend was not making the payments on time. They apparently lost all my contact information when they repossessed the car. I requested a copy of the letter and received it on XX/XX/XXXX ( See enclosure ( 5 ) copy of letter mailed to me at ex-boyfriends address dated XX/XX/XXXX ) 8. I also requested a copy of the contract and payment history at that time. AHFC refuses to provide me a copy of the payment history and only sent me a copy of the contract and letter dated XX/XX/XXXX after a second request. When I received a copy of the contract, I discovered that I am listed as the Primary Buyer. \n\n\nB. I believe that my ex-boyfriend, the XXXX XXXX XXXX, American Honda Finance Corporation ( AHFC ) and other agents of the AHFC ( the recovered asset vender who sold car for half the average market value, intentionally conspired against me to commit Fraudulent and Predatory Lending Practices based upon the following reasons. \n\n1. Fraudulent Lending Practices : In that the XXXX XXXX XXXX and the AHFC in an effort to finance one of their employees ( my ex-boyfriend ), who they knew was not qualified for financing, knowingly misrepresented my position in the transaction took advantage of my trust and listed me as the Primary Buyer in the contract when I was told otherwise, while knowing that my credit worthiness did not warrant approval for such loan. As the Primary Buyer, I should I have been required to have insurance on the car prior to it being driven off the lot? I never insured that vehicle, nor was ever required to insure it by AHFC or XXXX XXXX XXXX. \nAll parties received incentives to commit this fraud, my ex-boyfriend received a car, the Honda dealership received a commission, AHFC received principal and interest payments on the loan, and the XXXX XXXX XXXX received a vehicle for half its value, all to my detriment. \n\n2. Predatory Lending Practices : Various sites on the internet all state that there is no legal definition of predatory lending in the United States. However, all state that Predatory lending benefits the lender and ignores or hinders the borrowers ability to repay the debt. These lending tactics often try to take advantage of a borrowers lack of understanding about loans, terms or finances. Modern usage has expanded the term to include any lending practices that rely on a consumer 's lack of sophistication, or gullibility. Based upon my lack of credit worthiness at the time that I was duped into signing this contract, I should have not been approved for this loan. AHFC, XXXX XXXX dealership, and my ex-boyfriend conspired to commit a predatory lending practice against me. \nAll parties received incentives to commit this fraud, my ex-boyfriend received a car, the Honda dealership received a commission, AHFC received principal and interest payments on the loan, XXXX XXXX XXXX received a vehicle for half its value, all to my detriment. \nDeceptive/Unfair Business Practices : My ex-boyfriend, the XXXX XXXX XXXX, American Honda Finance Corporation ( AHFC ), and XXXX XXXX XXXX engaged in deceptive and unfair business practices in that they intentionally deceived me by leading me to believe that I was co-signing for my ex-boyfriends car when it was known that he nor I possessed the credit worthiness demonstrating the ability to repay a loan in the amount of {$33000.00}. \nAll parties received incentives to commit this fraud, my ex-boyfriend received a car, the Honda dealership received a commission, AHFC received principal and interest payments on the loan, XXXX XXXX XXXX received a vehicle for half its value, all to my detriment.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2935069", "source": "cfpb", "group_id": "cfpb/c52693695db08e4dd2c4", "variant": "clean", "length_bucket": "long", "chars": 6762, "company": "AMERICAN HONDA FINANCE CORP", "date_received": "2018-06-13", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "c52693695db08e4dd2c40e061dc536d519bf508d17965f77aaf8513ae2715b5b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Due to my own error, my vehicle was repossessed by Honda Financial Services ( HFS ) on Tuesday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I asked for and received a Lease Payoff Inquiry letter from the company. This was required by my bank to secure a loan to payoff HFS and retrieve my vehicle. There was a specific address on the letter to overnight a Certified Check. A representative at HFS told me to send the check to a different address but they could not give me this address in writing. My bank refused to send to an address on a sticky note and would only send to the address on the official letter. The check was overnighted via XXXX  XXXX on Wednesday, XX/XX/XXXX with a tracking number provided to HFS that day. When I called on Thursday, XX/XX/XXXX to check on the status of my overnighted check, I was told that because it was sent to the incorrect address, the check could not be found, and this was not HFS ' fault, it was my banks fault. I made several calls to HFS that day and provided them with proof that the check was delivered to HFS and a copy of the check was faxed by my bank to an agent at HFS. I was finally told that a supervisor would return a call to me within 24-48 hours. After many probing questions, was told that the call would be returned within 24-48 business hours. As of Wednesday, XX/XX/XXXX at XXXX EST I have not received a return call from a supervisor. On Friday, XX/XX/XXXX at XXXX EST, I received a call from an agent at HFS who told me my check had been found but because my bank made an error by sending it to the address on the official letter and not on my handwritten sticky note, the check could not be processed until Tuesday XX/XX/XXXX at the earliest and was told to not call back until after XXXX on XX/XX/XXXX. During this entire process I made several calls to the creditor service who was in possession of my vehicle asking questions and asking that my vehicle not be shipped for auction. They told me to have HFS contact them with frequent updates, so this didn't happen. I asked many of the agents at HFS to please contact the creditor and let them know that I had sent funds to pay off the loan and repeatedly asked what the storage fees would be. I also asked that the storage fees be waived from Thursday XX/XX/XXXX when I can show proof that Fed Ex delivered my check and it was received by HFS. HFS agents told me it was up to the creditor to determine the storage fees. I called the creditor and had told me it was up to HFS to determine those fees. As of today, Wednesday XX/XX/XXXX, I do not have an answer from anyone. I called HFS on Tuesday XX/XX/XXXX at XXXX EST as instructed and was told that my funds were received, and the vehicle would be released to me. I was directed by XXXX to call the creditor and get my vehicle, still no answer to my question about storage fees or waiving fees from XX/XX/XXXX forward. I put in a second request on XX/XX/XXXX at XXXX EST for a supervisor to contact me and was told I would receive a call within 24-28 hours. I called the creditor on Tuesday XX/XX/XXXX at XXXX EST and was told that my vehicle had been shipped away for auction, HFS had not contacted them until 10 minutes prior to me calling them, and I needed to call HFS to get my vehicle returned. I called HFS at XXXX EST on XX/XX/XXXX and explained the situation. I was told they had no idea what happened, it wasn't HFS ' fault, and they would call me back within 45 minutes. I called HFS back at XXXX EST when I had not received a call back within 45 minutes and was told it was the creditors fault that this happened, but they would get my vehicle delivered back to my location. When asked for a timeframe ( a day, a week, a month ) I was told they didn't know and there was nothing more they could do for me. I requested a call back and it was agreed that HFS would call me back with an update. When pressed for a callback timeframe ( a day, a week, a month ), I was told they didn't know and I should just wait. I pressed for a more exact time that I would receive a call back and was told \" 15 minutes '', and as of XXXX EST on XX/XX/XXXX, had not received a return call. I called HFS on Wednesday XX/XX/XXXX at XXXX EST and spent XXXX minutes on hold before being transferred to a voice mail with no description of whom I was leaving a voicemail for. I called back to XXXX and was transferred to the correct department. I was told they were monitoring the situation. There was still no timeframe, no offer of assistance, and no resolution to my request for waiver of storage fees or even an estimate of what the storage fees are XXXX {$1.00}, {$100.00}, {$1000.00} XXXX. After pressing the issue, I was promised a return call today, XX/XX/XXXX, updating me on the progress of returning my vehicle but was told not to call back, someone at HFS will contact me. Through this entire process, I have been repeatedly told not to call back ( they will contact me ), it's not the fault of HFS that any of these events have occurred, and they have no solutions for me. HFS has my money, {$17000.00}, and my vehicle.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3061991", "source": "cfpb", "group_id": "cfpb/0c1369a1f3728653d3b6", "variant": "clean", "length_bucket": "long", "chars": 5085, "company": "AMERICAN HONDA FINANCE CORP", "date_received": "2018-10-31", "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": "0c1369a1f3728653d3b6163d6754a1a92e0b0d7c14b6d4e224dc7622480b8d90", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Experian Credit Report : Inaccurate Reporting of Information Corporation : XXXX -Negative Balance {$440.00} - Disputed Amount Owed. \n\nRefunds for Charges Deducted for Bank Account Requested due to ID Theft while XXXX \n\nBalance XXXX : {$0.00} Delete from Credit Files XXXX \nDischarge Balances. \nRefund Premiums Deducted from Bank Accounts. \n\nCollection Accounts Total Balance : Experian {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery Experian Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX  {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts Zero ( {$0.00} ) Balances Owed. \n\nRefund for Outstanding Debts and Payments Drafted from Accounts. \n\nRefunds for Charges Deducted for Bank Account Requested due to ID Theft while XXXX. \n\nBalance XXXX : {$0.00} Delete from Credit Files XXXX \nDischarge Balances. \nRefund Premiums Deducted from Bank Accounts.", "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/8095879", "source": "cfpb", "group_id": "cfpb/09fc903aa6eaca9fdb81", "variant": "clean", "length_bucket": "medium", "chars": 1224, "company": "Experian Information Solutions Inc.", "date_received": "2024-01-03", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "09fc903aa6eaca9fdb81e47db954ec2152458cb6621acdef6d98319fc4075d2f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Starting XX/XX/XXXX I had a total of {$15000.00} pulled form account using Coinbase. The charges were never authenticated, and were sent multiple times in a day. The account used was a savings I do not pay much attention to and when I noticed the error I immediately disconnected the account and contacted Coinbase. They responded claiming that the transactions were from an IP address they have seen before using the Coinbase app, but I do not use a Coinbase app. I have sent numerous emails, I have filed a complaint and nothing has been done to return these funds to me. I need this money refunded 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/3667665", "source": "cfpb", "group_id": "cfpb/5e5f9c5902345dcf7a65", "variant": "clean", "length_bucket": "short", "chars": 621, "company": "Coinbase, Inc.", "date_received": "2020-05-26", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "5e5f9c5902345dcf7a65338158118a93bce326671a916b1cd4016796461cc8fb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My vehicle was repossessed Tuesday night/Wednesday morning XXXX. At XXXX Wednesday morning I called Sierra credit asking how I can pay and get my vehicle back. I was told someone will contact me when ready. I then called XXXX XXXX and coastline recovery services who BOTH told me Sierra credit already had what they needed from them and it was on them to tell me how much to pay and where to pay to get my vehicle back. I called Sierra credit back to let them know what I was told and the girl from Sierra credit said \" they'll call you when they're ready, Your not the only person repoed ''. I called every day multiple times a day to try and pay to get my vehicle back as I have XXXX children who I needed to take to school etc. Sierra credit was unbelievably unprofessional and disrespectful, I cant even put into words how sick they made me. Obviously frustrated at one point I had asked \" is this what you guys do to get more money, you just rack up days and charge daily '' she ( Sierra credit employee ) flat out said \" YEAH, IF THEY WANT TO THEY CAN this is your fault for missing a payment these are the consequences ''. She said they will get to me whenever they get to me. Our conversation was not ever pleasant. She was disgustingly rude and unprofessional, she kept talking over me, cutting me off when speaking, threatening to hang up on me until I can pay attention. Because I repeatedly asked same questions. The amount of disrespect I received was disgusting. The attitude these employees have was unbelievable. On Monday XX/XX/23 Sierra credit FINALLY called me and said she would let me get my car if I paid in cash at a XXXX and can only accept cash in 2 separate transactions. I asked why only cash when I can pay now ( from work ) online. She said \" its our policy '' so I asked her if she can send me the policy so I can read it. She said \" ok, so your forfeit your vehicle then because you want to read the policy so I have to send to you by mail and you will be charged additional storage fees daily. I said NO I want to pay today and get my car but I want to read the policy SHE CONTINUOUSLY TRIED TO GIVE ME ULTIMATUMS saying \" if you want to read the policy you can't get your vehicle because you have to wait till you get in the mail, so which is it, Do you want your vehicle or not ''. \nMind you at this point it has been 6 ( SIX ) days and I still have not received ANYTHING in writing from Sierra credit about any of this. Including fees, itemized breakdowns etc. I paid {$1200.00} at the XXXX to Sierra credit Monday afternoon WITHOUT even knowing all reasoning for the fees in detail. My monthly payment is only XXXX. She said it was for 2 late payments but wouldn't give me anything in writing. Desperate to have a vehicle for my children i paid like i was told.. When I asked about the fees later, Sierra credit said the place that has my car charges them storage fees and they charge me. I STILL do not have my car, I still have not received anything in writing. They finally said you can contact coastline service to pick up your vehicle. Upon speaking with coastline service they are charging me an additional {$650.00} to get my car back. When asked about the fees, they told me SIERRA CREDIT puts in the contract what I have to pay. They said its honestly on them. I am so emotionally stressed. To be quite frank, I fell behind on my payment due to a recent death I had been dealing with. The stress and financial burden that was put on me was the reason to my set back and I own that. But the unbelievable lack of professionalism in this company is disgusting. I was constantly disrespected and neglected. They purposely didn't contact me so that they can charge me more fees EVEN THOUGH I TRIED TO PAY AND GET MY CAR BACK WEDNESDAY MORNING when they first took it. I called MULTIPLE times and was told to stop calling, they would get to me when they get to me. Having to figure situations out for my children etc. This place of business is disgusting and I believe operates illegally. I pray to XXXX no one ever deals with them, they treat they're loyal customers like dirt and the employees couldn't be professional if you paid them! I wouldn't wish this agony, stress and punishment on anyone. Please shut this business down, look into them, listen to their \" recorded line '' phone calls and hear the way they operate.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6473563", "source": "cfpb", "group_id": "cfpb/3250e949d99d9f69b323", "variant": "clean", "length_bucket": "long", "chars": 4364, "company": "Sierra Credit Corp", "date_received": "2023-01-24", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with fees charged", "text_sha256": "3250e949d99d9f69b3238aca35dc763f02e990a67b037410fa3c8bb4bccfe01e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to \" redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.\n\nIn addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to \" the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3053409", "source": "cfpb", "group_id": "cfpb/249daa9e8fdf518f0305", "variant": "clean", "length_bucket": "medium", "chars": 1404, "company": "Nelnet, Inc.", "date_received": "2018-10-22", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "249daa9e8fdf518f0305b02ee4d4830f02e9beb7ef8276786690f1ccc21b382e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received an email fromXXXX XXXX XXXX stating I owed {$1100.00}. I had never heard of this company. I asked for more information. The said it was for XXXX  XXXX. I replied asking for documentation as I was not aware of any debt to them. They said they did not have any just a statement from original center. I responded that if they did not have documentation I would not be paying anything. I would be willing to review anything I signed, etc showing I owed the debt. \n\nThis was their response On Tue, XX/XX/2020 at XXXX XXXX  XXXX XXXX XXXX XXXX wrote : Dear XXXX, Unfortunately , all I have is the affidavit and to send you the copy is against the law before the charges are pressed it will be hence considered as DEFAMATION OF CHARACTER Well if you are asking about the Copy of the original document, however, you should be aware of it that when you applied for this loan, you just mentioned your confidential information during the online loan application.\n\nThe entire process was online and you did not physically sign any contract so we are unable to provide you that information which we do not have. \nHowever, we have sent you detailed information whatever needed to prove that the loan was taken on your name and it was applied using the same information at your address but to receive it you were not present at home. \nStill if you want the documents, what I can do for you is, you have to send us a request letter from your side with a valid photo identification proof with your physical signature stating that you want the documents to be sent at your mailing address and also you are disputing this case into the courthouse having your attorney to fight the case for you. \n\nYour SSN will be put on hold and a legal case will be filed in your name until the first hearing of the Local County Court.\n\nThe penalties would be double if you lose the case in the courthouse fighting against our company.\n\nWe will also inform all the three major credit bureaus to report this act of fraud into your Credit score. \n\nYour positive reply will be greatly appreciated Thanks and Regards Debt Settlement Division Email Support. \n\nI am not comfortable sending them my drivers license copy. I told them if they could not provide the information to stop contacting me. \n\nthis was their response : Dear XXXX, Alright, we shall meet in the court house as soon as possible. \n\nBest regards On Thu, XX/XX/2020 at XXXX XXXX  XXXX XXXX XXXX wrote : You are in violation of collection laws. Do mot contact me again On Wed, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear , Very soon the case file will be downloaded against your name and social. After giving several notifications we did not get any response from your side. \nWe will consider that you are ignoring this matter. \nThis is your last and final chance to settle this case. If you don't take it seriously we will surely take hard steps against you. And you will be the person who will be only responsible for the legal consequences. \nIf we did not receive any response from your side within 24 Hrs. We will proceed further with legal charges against your name and social security number without any notification. \nDo update us with your good intention that you want to resolve this case or you want to dispute. \nPlease do revert ASAP to avoid legal consequences. \n\nBEST WISHES, Accounts Department XXXX XXXX XXXX XXXX On Fri, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : Without proper documentation ( and an affidavit is not proper documentation of the rent ) I will no longer communicate with you. Please do not contact or threaten me any further. I will keep an eye out for the arrest warrant that you speak of. Betting that, you are hereby notified to not contact me at all. \n\nOn Fri, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX   XXXX wrote : Dear XXXX, Alright , we are sending you the arrest warrant at your doorstep and Law enforcement people also will be there at your doorstep.\n\nWe gave you the last chances to resolve this issue by making payment. now your credit history will be destroyed and you won't get any loan in your entire life. \n\nBest Wishes On Thu, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX   XXXX wrote : Dear XXXX, We have tried several times to work with you but as you are not co-operating with us then, unfortunately, we have to proceed further with legal actions against your name and SSN in order to dispute this matter into the courthouse. \n\nThis is confirming completely that you do not want to cooperate with us. We have already told you that if you have any financial hardship or something else, you can update us. We will try our best to help you out. As you are receiving, our notification and not responding us back.\n\nIN THIS SITUATION, WE ARE GOING TO PROCEED FURTHER WITH LEGAL CHARGES AGAINST YOUR NAME AND SOCIAL. YOUR CASE FILE WILL BE FORWARD TO RESTITUTION DEPARTMENT HEAD. THEY ARE GOING TO TAKE ACTION AGAINST YOU WITHIN 24 HOURS AND YOU HAVE TO REPRESENT YOURSELF FORCED TO COME OUT INTO THE COURTHOUSE. AFTER THAT, YOU DO NOT HAVE RIGHT TO BLAME US.\nNOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.\n\nDo Revert ASAP!!\n\nThanks & Regards Debt Settlement Division Inc.\n\nI have 16 back and forth emails from XXXX XXXX-XXXX XXXX. I assumed they  had given up. Then I received another email this morning Your case file is still on hold, now we are unable to hold this case file anymore, Kindly clear your intention toward this matter so that we can go ahead accordingly. \n\nDo Revert ASAP Best Regards Settlement Team After asking multiple times for documentation and requesting that they do not contact me at all they are still harassing 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"}, "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/3837136", "source": "cfpb", "group_id": "cfpb/f979a1cf2b3a481c49af", "variant": "clean", "length_bucket": "long", "chars": 5818, "company": "Populus Financial Group, Inc. (F/K/A Ace Cash Express)", "date_received": "2020-09-09", "product_raw": "Debt collection", "issue_raw": "Took or threatened to take negative or legal action", "sub_issue_raw": "Threatened to arrest you or take you to jail if you do not pay", "text_sha256": "f979a1cf2b3a481c49afd8af726d03dfe0c2f6fc1c6ae42c0ec559eae0602fcf", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have an approved borrower defense case against the art institutes and I would like the navient school misconduct Private Loan discharge application. \nMy federal student loan was just discharged based on an ED finding that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXX. My private loan for this school should be discharged and refunded.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8904011", "source": "cfpb", "group_id": "cfpb/4b54b2841e8b808fa5c7", "variant": "clean", "length_bucket": "short", "chars": 625, "company": "Navient Solutions, LLC.", "date_received": "2024-05-01", "product_raw": "Student loan", "issue_raw": "Getting a loan", "sub_issue_raw": "Confusing or misleading advertising", "text_sha256": "4b54b2841e8b808fa5c7c147d0a3f5bfbab23637a717db67f515738a4240fa11", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Well Bank of America is at it again! XX/XX/XXXX after BOA admitted they did not do right by me they told me to reach out to a XXXX XXXX to re-modify my Home Equity Line of Credit loan. I did and supplied heaps of paperwork and kept a good line of communication with XXXX XXXX. After 3 months It was deemed by BOA there was nothing they could do for me? XXXX stated that he would reach out me every month to see how I am doing and if anything came up to help me he would jump on it. I never heard from him again, as a matter of fact I could not get in touch with anyone regarding my loan because statements stopped coming, my account # did n't exists anymore, here we go again BOA! After dozens of attempts to find out where my payments were going I found a rep who finally explained to me that once again BOA charged off my loan there would be no further contact from them. I also found out my account was put in their bankruptcy dept. I did not understand this because yes I had to declare bankruptcy XX/XX/XXXX but it did not include the house. BOA however considers the HELOC to be a revolving product thus declaring me bankrupt, ruining my credit for good and keep in mind my bankruptcy did not affect them! The person who described what BOA did to me stated that BOA \" sells '' people HELOC 's because they are small payments and tax write offs. She then said that the ploy is that you will need the money, which I did when I lost my job and use it. Now I am in a situation where, even though BOA encouraged me to do a remodifacation they knew XXXX well they were not going to approve anything and now my loan is \" charged off ''. Charged off means that now I owe the whole loan in full! There will be no statements or contact persons for you because you XXXX been charged off. Also now that I do n't have a loan BOA is now hitting my checking and savings accounts with fees I have never had to pay, ever. I just recently reached out to the bankruptcy dept to get some clarification on the safety of not not loosing my house as long as I am making payments. The person told me there is no guarantee and refused to answer any more questions. BOA sets people up to fail and when they do BOA walks away and feels no compunction to help you. The fact that a bank can make decisions about your most important and personal investment without letting you know anything until it 's possibly to late is unconscionable.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1634839", "source": "cfpb", "group_id": "cfpb/a2bcad3d3d5684517a17", "variant": "clean", "length_bucket": "medium", "chars": 2414, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2015-11-02", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "a2bcad3d3d5684517a17a2c741d3dd884277afda901f0520cdf4230983e120f6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "hi i was placed in XXXX XXXX after the debit was paid. i was placed in XXXX XXXX  for an error on bank of americas part they didnt do their due delligence at all. i paid them a total of XXXX dollars in XXXX XXXX  to settle all debits they said its paid in full and sent me to XXXX XXXX thats horrible its ruining my lives, i cant do 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6379360", "source": "cfpb", "group_id": "cfpb/7ab07f67f77e6f137d78", "variant": "clean", "length_bucket": "short", "chars": 342, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2022-12-30", "product_raw": "Checking or savings account", "issue_raw": "Opening an account", "sub_issue_raw": "Unable to open an account", "text_sha256": "7ab07f67f77e6f137d78e5c0e05e1306ad0337f7c7038dfbedab0015f579371b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Recent email to XXXX XXXX Comenity Bank Credit Card. \nI am very upset how you have decided to treat your consumers. I made a large payment of {$310.00} on XX/XX/2021 and you decided to reconsider my payment/credit history on XX/XX/2021 and reduce my credit limit by {$320.00}. Was this a delayed punishment? I have had a good standing and despite the pandemic I have tried to stay afloat with my credit cards. You wait to \" punish '' me and my credit as I was in the process of paying this credit card off. This makes me wonder if you are upset that consumers are trying to raise their credit scores and reduce their intertest rates which doesn't pad credit card companies pockets. FRUSTRATING. How dare you take my credit usage from 47.8 % to 94 % instantly. I will be reporting this practice to Consumer Financial Protection Bureau and filing a complaint with BBB. I was logging on to pay my card off, once I do this, I will be closing my account. It's not worth allowing you to control my financial future. I'll take closing this card now then to deal with you. \n\nThey have reduced my credit limit multiple times. Most recent was after a substantial payment from me and reduced my credit availability and limit substantially. I have been update to date for the past 5 months, and when I wasn't I was in communications with them. 6 months later and when my credit score was actually highest in the past year, they use that and decide to reduce my limit. This becomes a vicious game from credit card companies to keep interest rates high by adversely effecting the score they dare use to evaluate credit worthiness for. This is also the same credit card company that has closed my XXXX account with no notice when the limit was {$1500.00} I owed roughly {$200.00} and was paying on time. I understand they have a \" right '' to do this but they are unfairly applying that right and with no notification or valid reasoning until after the 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4731508", "source": "cfpb", "group_id": "cfpb/92b233fe0dc7fc11e584", "variant": "clean", "length_bucket": "medium", "chars": 1943, "company": "Bread Financial Holdings, Inc.", "date_received": "2021-09-17", "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": "92b233fe0dc7fc11e58423132901b4927d8e1ba5e9205c362814a45d1d9a3ae5", "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, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. \n\nXXXX XXXX XXXX  You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you must remove the accounts mentioned in this letter immediately. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. \n\nXXXX XXXX XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you must remove the accounts mentioned in this letter immediately. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. \n\nXXXX XXXX XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you must remove the accounts mentioned in this letter immediately. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10328830", "source": "cfpb", "group_id": "cfpb/b9130e70c3007f0faa08", "variant": "clean", "length_bucket": "medium", "chars": 3920, "company": "EQUIFAX, INC.", "date_received": "2024-10-03", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Improper use of your report", "sub_issue_raw": "Report provided to employer without your written authorization", "text_sha256": "b9130e70c3007f0faa08b3d3e24b866a63f920a61fadf8e082be3bebd6374c5e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chase took all my transactions from yesterday XXXX that were not pending when I did them like cash withdrawals and pushed them out a day later and charged me 2 overdraft fees when the XXXX are you going to stop chase bank from juggling when things happen as to make more in overdrafts I think they implemented a new algorithm after first of year all transaction that I saw complete on XXXX were pushed off to XXXX XXXX. This makes perfect sense because how the XXXX would I be able to withdraw cash if I was overdrawn they are screwing us again by taking transactions that happened over weekend and not processing for XXXX bank days that 's a joke if I used over weekend should process on tue especially cash withdrawal why are we letting them do this. You mean to tell me chase ca n't even post cash withdrawals from an ATM for two bank days that 's 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": "low_funds", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/2295633", "source": "cfpb", "group_id": "cfpb/d3de7b65216b9b2ac3e7", "variant": "clean", "length_bucket": "short", "chars": 856, "company": "JPMORGAN CHASE & CO.", "date_received": "2017-01-18", "product_raw": "Bank account or service", "issue_raw": "Problems caused by my funds being low", "sub_issue_raw": "", "text_sha256": "d3de7b65216b9b2ac3e7bc43d7f5a8a69909acf14c460d7b33137eeeba6751a1", "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 victim of misrepresentation and unethical conduct by XXXX XXXX XXXXXXXX and now Fay Servicing. On two different occasions I was offered a loan modification and on both we accepted the offer and followed through on our end. Due to no fault of our own we were removed from the first modification because XXXX XXXXXXXX XXXX \" Lost our paperwork '' and after filing a chapter XXXX bankruptcy and making trustee payments for several years we were offered a second modification. While making the trial payments on the second modification the servicing was transferred to Fay Servicing who refused to honor the modification, even though XXXX XXXX XXXX   sent us a letter that the modification would be honored after the service transfer. This has started a downward spiral and we are now backed into a corner by Fay Servicing because of their misrepresentations and have tried to force us to sign over our home. \n\nMy husband and I bought this home back in XX/XX/XXXX with a loan through XXXX. In order to come up with the down payment we withdrew $ XXXX from our IRA account which led to problems with the IRS. Even though we both had good jobs ( husband a service technician and me accountant ) the IRS problem put us in a tough situation and we defaulted on the mortgage loan. We then applied for and were approved for a loan modification through XXXX XXXX XXXX ( who now owned the loan ). We made our first trial payment but when I tried to make the second modification payment the bank would not accept it. We soon found out that they had \" lost our paperwork. '' and received a letter acknowledging the error. We then filed Chapter XXXX in order to reorganize our debt and continued to try to engage with XXXX XXXX XXXX  for a modification ( judge 's instructions ) with no luck. In XX/XX/XXXX we received a check from XXXX XXXX  XXXX for {$400.00} as part of a settlement based upon \" poor servicing standards but never cashed it for fear we would give up our right to fight back in the future. We were concerned that by cashing the check we would give up all rights to litigate the matter in the future so we never did. As the bankruptcy was nearing discharge ( mid XX/XX/XXXX )  we were offered a SECOND modification by XXXX XXXXXXXX XXXX and we made the first two trial payments and then received a letter from XXXX XXXX XXXX  that the loan was being transferred to Fay and that they would honor the modification. As explained Fay would not accept our modification payment and our Account manager XXXX XXXX made misrepresentations to us and said that they \" did not care about what XXXX XXXX XXXXXXXX did and that they would not honor the modification. '' At that time we contacted HUD counseling and Senator XXXX  to  investigate. Eventually we were able to get Fay to offer a modification and made the three trial payments as agreed but found that the permanent modification terms were interest only and that there was a huge balloon payment at the end. We discovered the trustee payments we had made for 5 years towards our mortgage had never been applied to our loan, instead going to late fees, legal fees, junk fees and escrow. We also found that even though we had been approved for modifications on two occasions and then kicked out of the modifications due to servicing errors or unethical conduct that we were still charged interest, late fees, legal fees, Attorney fees etc. for every month during those time periods. Due to all of these factors we determined it was not in our best interest to accept this modification offer. \n\nWe continued to try and negotiate with Fay but made no progress and filed for mediation and hired an Attorney. At the mediation it seemed that our Attorney was working for Fay Servicing -- he had failed to give us the chance to review an alleged loan modification offer and we were essentially pushed into committing to do a deed in lieu and agreeing to sign the house over to Fay.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2926318", "source": "cfpb", "group_id": "cfpb/9407a365b0cb7189e80c", "variant": "clean", "length_bucket": "medium", "chars": 3937, "company": "Fay Servicing, LLC", "date_received": "2018-06-04", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "9407a365b0cb7189e80c77f8163d71ec4dd9cec417f4db5e3d257a274acc9902", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. \nThe bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2116685", "source": "cfpb", "group_id": "cfpb/0ca638066ca30ca68b94", "variant": "clean", "length_bucket": "medium", "chars": 1483, "company": "WELLS FARGO & COMPANY", "date_received": "2016-09-16", "product_raw": "Bank account or service", "issue_raw": "Deposits and withdrawals", "sub_issue_raw": "", "text_sha256": "0ca638066ca30ca68b94885869d9a79293554377754f45357496fc565ba0fbb7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After losing my job and having a hard time making payments on the loan I received from Opploans ( which was 160 % apr ) they started calling me nearly every day and also calling my family members. It got even worse when they started calling me on Sundays at XXXX XXXX. Which is against the federal regulations of debt collection practices. I will be filing suit.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3533867", "source": "cfpb", "group_id": "cfpb/4da5d54fcf86f8d03f65", "variant": "clean", "length_bucket": "short", "chars": 362, "company": "Opportunity Financial, LLC", "date_received": "2020-02-17", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "4da5d54fcf86f8d03f65f23753971c82563e951eed84db74b24c0f423856b242", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. \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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6593989", "source": "cfpb", "group_id": "cfpb/845222606cc569f697eb", "variant": "clean", "length_bucket": "short", "chars": 926, "company": "Experian Information Solutions Inc.", "date_received": "2023-02-21", "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": "845222606cc569f697eb6b9bc37a5778e6240883d50286bd507c6e3a01b5c5aa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Good Day, I closed on my home on XX/XX/XXXX. Not long after closing, my mortgage was purchased by Specialized Loan Servicers ( SLS ). My mortgage payments were paid on time and paid in full up to present day. \n\nOn XX/XX/XXXX, I received a statement in the mail from SLS indicating my escrow account was short {$4300.00} ( see attached ). And due to this massive shortage in escrow, my mortgage is set to increase {$430.00} per month, from {$4100.00} monthly to {$4600.00} monthly. I did expect our mortgage to rise as our tax assessment did increase, however this large of an increase did not seem correct. \n\nI contacted SLS via phone call the week of XX/XX/XXXX. After several conversations with the escrow team and tax department. I determined the massive shortage is the result of a 3rd tax disbursement for tax year XXXX ( taxes for my county are collected semi-annually ). Per SLS, the 3 county tax disbursements are as follows ( see escrow account history attached ) XX/XX/XXXX : {$3500.00} for COUNTY TAX XX/XX/XXXX : {$3300.00} for COUNTY TAX XX/XX/XXXX {$3500.00} for COUNTY TAX So SLS advised me to contact my county tax office and determine the status of county taxes paid. So I contacted XXXX XXXX XXXX ( XXXX XXXX Tax Administration Office who was able to provide me with a statement showing all county tax payments made for my address going back to first half XXXX taxes ( document is attached ). They also provided me detailed invoices of ALL the payments they have received from SLS since closing. These documents show that only 2 county tax payments were made from SLS to XXXX XXXX XXXX Tax Administration for tax year XXXX : Postmarked XX/XX/XXXX : {$3500.00} ( see attached ) Postmarked XX/XX/XXXX : {$3300.00} ( see attached ) There are also 3 additional payments received by XXXX from SLS ( see attached ) : Postmarked XX/XX/XXXX : {$57.00} ( XXXX XXXX and Stormwater Fee XXXX half taxes ) Postmarked XX/XX/XXXX : {$57.00} ( XXXX XXXX XXXX XXXXr Fee 2nd half taxes ) Postmarked XX/XX/XXXX : {$650.00} ( I am assuming this is a late fee that SLS paid as they were late paying my first half taxes ) XXXX XXXX XXXX Tax Administration office never received a payment for {$3500.00} in XX/XX/XXXX, they only payment they received in XX/XX/XXXX was the {$57.00} for solid waste and stormwater fee. This discrepancy is the reason my escrow account is so short and why my mortgage is set to raise substantially. \n\nI once again contacted SLS and provided them the evidence showing that the tax payment in XXXX of XXXX was never received by the XXXX tax department. I escalated through SLS tax department and had a research case set up. The SLS rep I spoke with advised me that once the issue has been resolved, I will have to request another escrow analysis to re-adjust my mortgage. I was told this case would take 10 business days to resolve and it would be resolved by XX/XX/XXXX. \n\nOn XX/XX/XXXX I called SLS to get a resolution to this issue. I spoke with a manager in the tax department named XXXX. XXXX proceeds to tell me that the extra tax payment made in XX/XX/XXXX was a result of prior delinquent tax payments. This is 100 % inaccurate as I confirmed with the XXXX tax authority that all taxes were paid up to date and there were no unpaid/delinquent tax bills. Additionally, we would have never closed on the home in XXXX of XXXX if tax 's were unpaid or delinquent. The attached statement clearly shows that taxes for tax year XXXX were paid on time and in full by the previous owners of the home. \n\nDuring my phone call with XXXX, I requested proof that the XX/XX/XXXX disbursement was for unpaid/delinquent tax bills. She was unable to provide that to me. Her response was simply \" this is the findings of our research team ''. I asked to speak to the research team, they do not take calls. I asked to speak to XXXX 's supervisor, she said there is nobody else to speak with and there are no other options to escalate. \n\nIn summary, SLS has taken {$3500.00} from my escrow account and the money can not be located or returned. My escrow account doesn't have it, I don't have it, and XXXX Tax Administration doesn't have it. I have attached all the relevant documents for review : 1. Initial documentation from SLS advising me of escrow shortage ( see \" Escrow Account History '' ) ( 4 Pages ) 2. Document from XXXX Tax Administration Office showing all payments made on the address for XXXX and XXXX ( XXXX Pages, see \" Payments '' starting on Page 5 ) 3. Five separate receipts from XXXX Tax Administration Office showing every single payment they have received from SLS. \n\nThank you for your time and efforts. \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": "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/6798250", "source": "cfpb", "group_id": "cfpb/168b7f66b5d3807eb40a", "variant": "clean", "length_bucket": "long", "chars": 4651, "company": "Specialized Loan Servicing Holdings LLC", "date_received": "2023-04-05", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "168b7f66b5d3807eb40a5fa72a4bb2d9111709d6edcf12c4f11105a37bdc21cf", "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 received a collection notice from Credit Control LLC about an alleged debt I owe to XXXX XXXX XXXX and I responded back on XX/XX/XXXX with a debt validation letter, on XX/XX/XXXX I received a letter from XXXX XXXX saying I requested a verification on a debt and sent me a credit one bill with an address in another county, I would like to know how is it possible for two of these collection companies can be writing me about the same debt and when I write one another one responds, I will attach all documentation from these collections companies to make sure they are doing the correct thing.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4612090", "source": "cfpb", "group_id": "cfpb/29c24cbf8eab637ec7c4", "variant": "clean", "length_bucket": "short", "chars": 610, "company": "Credit Control, LLC", "date_received": "2021-08-08", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "29c24cbf8eab637ec7c4399f92b5d6e4d04d5093cb34113acdc2f78e4093ab2c", "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 your assistance with Wells Fargo Bank. \nSince last XXXX I have been trying to obtain the COVID -19 recovery modification for homeowners who can resume payments. \nUnfortunately Wells Fargo will not allow me to do so. I am currently restricted to speaking to one person in the home preservation department. \nI was only able to contact him in XXXX after trying for months. He told me I was approved for the modification in XXXX and had to pay the money from XXXX to present if I did not want to lose my home. This was XX/XX/XXXX. I was then contacted in XXXX informing me they could not complete the modification because they could not clear the title. I do not have any liens on the home and am unsure how the two correlate. I received notice in XXXX that they had cleared the title and to look for the documents to sign in the mail. In the meantime I was told I had to pay {$1900.00} a month until the process is complete. My previous mortgage payment was {$1800.00} and that was changed at the closing table. I received the documents in XXXX, notarized them and sent them back. I was contacted in XXXX, it was stated the county denied the modification because the title is not clear. I am so confused. \n\nI am in active bankruptcy. Prior to the pandemic I was paying Wells Fargo {$2000.00} a month with the hopes of the additional going towards the principal as well as the trustee payments. I have been compliant with all of Wells Fargo to date. Wells Fargo unethical practices and misleading behavior appears to be resulting in my children and I being XXXX. I was contacted and told they have to do a phone income review to see if I qualify for a modification at all. Why aren't I eligible for the COVID -19 loan mod? I have an FHA loan. They said they cant clear the title and the deceased my have airs to the home. The deceased was a co borrower only and is not nor have ever been the deed of the home. Please I do not want to be XXXX with my children. I don't know what to do and I am not getting much assistance from the Bankruptcy lawyer. \n\nWells Fargo have also is fabricating documentation about assistance provided. they also presented a new closing disclosure at closing that was not the original provide prior. pleas see original disclosure attached. Wells Fargo deleted the bill pay history. Please see attached statement 's as proof of payments in XXXX as well. Payments stopped when the office shut down in XXXX during the pandemic in XXXX, But when they gave us the last payment in XXXX I paid Wells Fargo. Please see attached. please help me. I am have been in compliance with all Wells Fargo stipulations.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5844244", "source": "cfpb", "group_id": "cfpb/25ae9690bb16a3a667cd", "variant": "clean", "length_bucket": "medium", "chars": 2646, "company": "WELLS FARGO & COMPANY", "date_received": "2022-08-04", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "25ae9690bb16a3a667cd0fef7903414b946f7460a4f1dab6ba92b6da01765782", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is the follow up to my previous complaints. Fraud department told me they made the decision on XX/XX/XXXX, not to return any of the funds to me in my checking account which they closed with no explanation. \n\nI no longer care why the closed the account. I know there was no fraudulent activity. In fact, the account was opening with a wire transfer directly from my checking account at another bank. \n\nI am awaiting they return of {$6500.00}. It was confiscated out of my account on XX/XX/XXXX. I am in the process of researching all regulator bodies where I can file formal charges for this error.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3979662", "source": "cfpb", "group_id": "cfpb/8c29a14419f67f2a4b9e", "variant": "clean", "length_bucket": "short", "chars": 602, "company": "CITIBANK, N.A.", "date_received": "2020-11-28", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Funds not received from closed account", "text_sha256": "8c29a14419f67f2a4b9e8757f9ebc75190b88ba61c4d3f59b9293a9188f9fa57", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. \nAs a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. \n\nSummary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Please Update all payments, all pay was made on time. \n\nXXXX XXXX XXXX - Account Number:XXXX Please ensure that all information is accurate XXXX XXXX XXXX - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX XXXX - Account NumberXXXX Please ensure that all information is accurate XXXX XXXX - Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related . Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! \n\nXXXX XXXX XXXX - Account Number:XXXX Please remove it from my credit report XXXX XXXX XXXX XXXX Account Number:XXXX Please investigate and delete it from my credit report. \n\nXXXX - Account Number:XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have \" No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX  XXXX - Account NumberXXXX Please Update all payment, all pay was made on time. \n\nXXXX - Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual 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"}, "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/8398640", "source": "cfpb", "group_id": "cfpb/996acd2975cfc8399df5", "variant": "clean", "length_bucket": "long", "chars": 4251, "company": "EQUIFAX, INC.", "date_received": "2024-02-22", "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": "996acd2975cfc8399df5e73e9d1e0ffcd1eb65e4b435daad59c6adfb1c8ab1e4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "REQUESTED SUPERVISOR My son sent me money on ( XX/XX/XXXX ). When I logged into CASH App, I was prompted to confirm my debit card information, but I couldn't because my bank issued me another card and I wasn't given the option to change it. So I deleted the existing account and created a new one with my current debit card information. The NEW account has the exact same information, except a different Cashtag name. Instead of $ XXXX ( old ), the new one is $ XXXX. \n\nI was on phone with a male representative yesterday ( XX/XX/XXXX ) who walked me thru the process of identifying myself. I was instructed to uploaded my picture ID and provided SSN #, DOB and other requested Information under Bitcoin. Was told it would take 24 hours to resolve problem and merge both of my accounts and that a representative would call me between XXXX XXXX  EST  today ( XX/XX/XXXX ). Instead, I received an email at XXXX XXXX EST on XX/XX/XXXX stating a problem enabling Bitcoin  withdrawals from my account. Contacted sender and they were unable to pull back the money because the transaction is marked COMPLETE. \n\n\nOn XX/XX/19XX/XX/XXXX@ XXXX XXXX. Received this email from Cash App : We understand you're having problems accessing your old account. If you havent already, please go ahead and create a new account associated with your new phone number and/or email address and link your debit card to the new account. Once youve linked your debit card to the new account, please reply to this email with the following : - Your first and last name - $ Cashtags associated with your former and new accounts - The phone numbers & email addresses associated with your former account - The phone numbers & email addresses associated with your new account - Last 4 digits of the debit card linked to your old Cash App account **or** the full zip code for that card - Last 4 digits of the debit card linked to your new Cash account Once we have this information, we can request that your two accounts be merged into one. Please note that once we merge your accounts, we can not unmerge them. Please note, we always recommend keeping a phone number and email address linked to your account to ensure easy access. Thank you. Cash Support My response on XX/XX/19 @ XXXX XXXX I don't have a new number or email address. It's the same. What has changed is my bank card number. I can not link the two because I created a new account and deleted the old one yesterday because when I opened the app, it wanted to use my old bank card information and didn't give me the option to change it. So, I deleted the existing account and created a new one - not knowing - it would create chaos in the system and confuse the representatives handling it. In doing so, I'm not able to see the money that was sent. I will provide you with the information requested. If you can not resolve this issue today, you need to refund the sender their money. They have a record of funds transferred to me, but I don't have a record of receiving on my end. \n\nFirst and Last name : XXXX XXXX Old $ Cashtag  : XXXX New $ Cashtag : XXXX Phone number & email addresses associated with your former account : XXXX and XXXX Phone numbers & email addresses associated with your new account are the same : XXXX and XXXX Last 4 digits of the debit card linked to your old Cash App account ( provided ) **or** the full zip code for that card ( provided ) Last 4 digits of the debit card linked to your new Cash account ( provided ) same zip code as old card. \n\nReceived from Cash App XX/XX/19 @ XXXX XXXX Hello, Thank you for bringing this to our attention, we want to assist in securing your account and have temporarily suspended further activity. \n\nTo begin the investigation, provide complete answers to the following questions within 7 days. A failure to complete this information in its entirety may negatively affect the final outcome of the claim. With these details, we can determine the best course of action moving forward. Upon receipt of your complete answers, we will further the review of your claim. We want to resolve this matter for you as quickly as possible. Keep in mind the investigation can take up to 45 days. \n\nWe greatly appreciate your patience and cooperation. XXXX - Cash Support These are the responses to the following questions : Per your request, I have provided a response to all of your questions, if applicable. \n\nHow many devices have you used to access your Cash App? \nProvide the make and model of each device : XXXX XXXX XXXX XXXX Verify which in-app and device security features were active for each device ( respond with a yes or no to each item ).\n\nPasscode or Touch ID to authorize every Cash payment : Yes for XXXX XXXX and XXXX XXXX Push Notifications for transactions : Yes for XXXX  XXXX. No for XXXX  XXXX Device unlock passcode, Touch ID, or additional login security measures : Yes for XXXX  XXXX. Yes for XXXX XXXX Provide the date/time of your last login, prior to any claimed unauthorized activity? XX/XX/2019 Was there a balance in your Cash App before the unauthorized activity took place? No What was the last transaction you sent or received prior to noticing the unauthorized activity? \n\nFor each unauthorized transaction, provide ; Date : XX/XX/2019 Dollar amount : {$200.00} Recipient or merchant : XXX XXX List any unauthorized changes to your account, such as a change in the phone, email, or PIN. I download the Cash App on my new phone & was prompted to confirm my debit card information to receive the {$200.00}. My bank sent me a new card, which was different than the one listed. The app did not give an option to change the information. I deleted my old account & created a new one with the new debit card information. My name and telephone remain the same and was not changed. \n\nHave you recently communicated with anyone regarding your Cash App account? Yes Select all applicable options : Received Phone call : XXXX Representative from Cash App Representative What dates did the communication take place? \nXX/XX/19 at XXXX XXXX XX/XX/19 at XXXX XXXX XX/XX/19 at XXXX XXXX XX/XX/19 at XXXX XXXX XX/XX/19 at XXXX XXXX  Provide full details of each communication : The conversation was the same each time. The man instructed me to go to the BITCOIN section of my app and take a picture of my Drivers License & Face. According to him, this would solve the problem & within 24-hours, I would receive my funds. But I didnt, and he keep calling back for the same information each time. On the last call, I mentioned the contents of this email and senders name. He said he knows who you are and told me to disregard this email because he is handling my case and will tell you so. No further communicate has been attempted. I still have not received my funds. The sender even attempted to resolve the matter from on their end, but to no avail. The Cash App is a database. A record can not be deleted from a database. Its not difficult to cross-reference my information to find my old record and merge with the new one & credit 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/3173175", "source": "cfpb", "group_id": "cfpb/afcbb843e30e0b39a00d", "variant": "clean", "length_bucket": "long", "chars": 7042, "company": "Block, Inc.", "date_received": "2019-03-08", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Money was not available when promised", "sub_issue_raw": "", "text_sha256": "afcbb843e30e0b39a00de201a2b6e2b06ac2f73076818faf590936309915d2d3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/2016, we received a check from Wells Fargo Home Mortgage in the amount of {$24.00} with a letter containing the following statement : \" During a recent review of a transaction that paid off your refinanced mortgage account, we determined that you were charged excess interest. Please accept our apologies and now that we are reminding the amount due to you. '' This was from a refinance we did almost FOUR years ago. We consider this very sloppy business practices regardless of the amount. We also have zero confidence that this amount refunded is accurate. Is it acceptable for Wells Fargo to take almost four years to return over charged fees? How can we be assured that the refund was accurate? Yet another instance of Wells Fargo abuse of consumer trust. \nThank you for any help or information you can provide. \nXXXX, XXXX, Arizona", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2271214", "source": "cfpb", "group_id": "cfpb/3523b83fda9b8d3aca0f", "variant": "clean", "length_bucket": "short", "chars": 842, "company": "WELLS FARGO & COMPANY", "date_received": "2017-01-02", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "3523b83fda9b8d3aca0fe9dca0f9f5b52792b0d3fbf7c167abfcb92a05e98457", "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 initiated a search on Clay Cooley of XXXX XXXX website. I immediately got an email and phone calls started right away. I talked to one person and explained my financial situation and also described my trade in. I was assured that they would be able to get me taken care of. She explained they have fresh start programs and that they are giving maximum trade in values. She specifically told me they give more than what the car is worth through the month of XX/XX/XXXX. I told her my payoff balance was around {$11000.00}. I had it written down on a piece of paper when I got there. There was really bad weather that day and there were hardly any customers there besides me. I met with the sales person I was told to ask for. She got some information and I told her that my tradein was in my son 's name as he got the car in his name since I was going through a divorce and my credit was not good. I told them I wanted to try to get a vehicle on my own to build my credit. Later she came back with another salesman. They advised me that it would be best if I buy a brand new vehicle versus the used vehicle I looked at online. \n\nAfter some talking, they came back with payments of around {$1000.00} a month. I had already explained that I was divorced and only had 1 income and a little bit of spousal support that would end in XX/XX/XXXX. I had already told them my budget was in the {$400.00} - 500 range. My current payment was only {$360.00} and although I knew I would be challenged by my credit, I was willing to try to get a good deal. Unfortunately, they both told me it would be better if I had my son on the loan as a cosigner because of his credit and income. I called and asked my son and he said ok as long as I could refinance within a year like the salesman told me and then I could be on the loan by myself after I've had months to build my credit. \n\nAfter more time, they came back with a payment of {$580.00} a month and explained that if I pay half of the payment before the due date and the other half on the due date that I would save in interest, etc ... ..I was still uncomfortable with a payment that high because again, I only have one income and I felt like that would be really stretching my budget. That would be a {$220.00} difference. After they spent more time convincing me that I could do that, I thought maybe I can do this if I cut out any extra expenses but as it was, I was just getting by with what I was bringing home. My rent was going up to {$880.00} for a 1 bedroom and I was a bit worried about being able to pay all my bills. While this is going on, there was bad weather outside as well. At this point, I feel like I should have asked for my car keys back and left. But I also wanted to have the payments I had been making to benefit me too since I was paying on time every month on a vehicle that was in my son 's name. I wanted a fresh start to build my credit up and to be my own person now that I was divorced after 29 years. \n\nFinally after being there from XXXX XXXX, it was already XXXX XXXX  when another gentleman called me in his office to sign the paperwork. Again, very few people in the dealership and at this point I was so ready to go home ... .the person pointed to where I needed to sign. He said \" I have good news for you '' ... .we got your payment down from {$580.00} to {$540.00} because we added gap insurance and a full 5 year warranty. He never pointed out how much I was getting for my trade in. The XXXX only had a little over XXXX miles on it ... .I can't remember the exact mileage but it was not over XXXX so it was considered a low mileage trade in. He never pointed out the price I was paying for the new vehicle. He did tell me the the APR would be 10.60 %. Because it was so late, I felt rushed and then they wanted my son to drive 30 minutes from XXXX to XXXX ( in bad weather ) to sign his part. Then they said they could have someone drive out to his home to get the documents signed so they did that. They arrived at his residence around XXXX XXXX  and I had to tell the guy to let me know when he arrived and not to ring the doorbell because they're baby was asleep already. \n\nAfter that, I never received any copies of the paperwork. I had no chance to look over what we signed for. I called several times ... .I emailed the girl who had been emailing me daily to get paystubs for my son ... .all of the sudden, she was not responding when I needed something. I kept asking when can I pick up my copy of the paperwork. Another week passed and I decided I needed to stop by the dealership to get paperwork. By this time, it was already XX/XX/XXXX and we signed on XX/XX/XXXX. It took about 30 minutes for them to locate the information and basically they printed off of a computer. The paperwork I have in my possession has not signatures on it. I thought this was weird because we always got copies of the signed documents for all the other vehicles we've purchased in the past. Today is XX/XX/XXXX and I still don't have the full copies. \n\nNow, in looking at their website ... .the same vehicle I purchased is showing on their website as \" the price you pay '' anywhere from {$16000.00} to {$17000.00}. The sale price that shows on my paperwork appears to be the MSRP price of {$21000.00} and that is supposedly after {$3700.00} rebate was deducted. The contract shows the amount financed is {$28000.00}. I have been researching and I'm definitely paying way too much for this vehicle. All I wanted was a fair deal. The math is all over the place. \n\nSales price : {$24000.00} Amount Financed : {$28000.00} After {$3700.00} rebate = cash price {$24000.00} Trade in value : {$9000.00} - tradein payoff : {$11000.00} - difference of {$2400.00} Taxable amount : {$12000.00} and sales tax : {$750.00} Am I correct that this doesn't make sense? For that much money, I should be driving an XXXX XXXX or XXXX ... I purchased a 2019 XXXX XXXX ... the base model. Not an XXXX  or anything fancy. \n\nTo add to the bad deal I got, it took them almost 4 weeks to pay off my trade in. I had to call several times about that as well. \n\nThey promised me a good trade-in value and said to go in and ask about their specials. Their website is showing the 2019 XXXX XXXX XXXX for under {$20000.00}. I am wondering why I'm paying way more even by having my son on the loan with his good credit. \n\nPlease help me figure this out. This is the first time I've had a very bad experience. I was there over 4 hours and I wished I would have questioned them more or had them explain the contract better because I might have just kept my own car and kept shopping for a better deal. \n\nThey sugar-coated and over promised stuff and did not deliver. I did not get even close to what they were telling me I could get for my trade in and put full price on the contract. I hope this dealership changes some of it's ways.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3257123", "source": "cfpb", "group_id": "cfpb/98ce04a7c055d1bdc019", "variant": "clean", "length_bucket": "long", "chars": 6888, "company": "COOLEY ENTERPRISES INC", "date_received": "2019-05-29", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Problem with signing the paperwork", "text_sha256": "98ce04a7c055d1bdc01907dc83fde6a838f371b24758042ef8a9bf79d906e015", "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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. \n\nXXXX XXXX XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}", "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/3908578", "source": "cfpb", "group_id": "cfpb/f7397051096d1962847c", "variant": "clean", "length_bucket": "short", "chars": 323, "company": "EQUIFAX, INC.", "date_received": "2020-10-20", "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": "f7397051096d1962847c54fe9e3b74be4974d999281c6e8c7818b5f25173aade", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received the following message on Friday, XX/XX/XXXX : You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. \n\nIf you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. \n\nIf there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. \n\nCustomers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. \n\nYou can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. \n\nWe regret any inconvenience this may cause. \n\nI then received the following message on Monday, XX/XX/XXXX XXXX XXXX, Your Venmo account has been frozen due to recent activity that triggered some security alerts. \n\nYou may have received a separate email from Venmo with more information. If you have questions or want to reactivate your account, please contact Support here. \n\nThanks, Team Venmo Also on Monday, XX/XX/XXXX I received the following message. I did not submit a request to Venmo, nor did I have time to respond the the previous message, which arrived 22 minutes earlier. \n\nYou have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. \nHello XXXX, We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. \n\nWe ask that you please remove any and all references to Venmo from your website and social media accounts. \n\nYou may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. \n\nWe thank you in advance for your cooperation. If you have any further questions, please reply to this email. \n\nSincerely, Team Venmo Here is my complaint : I have conducted no transactions on PayPal that violated their Acceptable Use Policy. I have only one PayPal account, which I have used infrequently since XXXX. I have never had another PayPal account besides this one. I have checked the transaction history for my PayPal and associated bank accounts and see nothing unusual. My transactions are all legitimate and do not violate the Acceptable Use Policy. Therefore, I think this is an instance of either fraud or faulty algorithms flagging my account. Either way, I contacted PayPal yesterday ( XX/XX/XXXX ) and have not yet received a response. \n\nRelated, in spring XXXX, my Venmo account ( but not my PayPal account ) was permanently suspended for violating their User Agreement. However, this was reversed after I complained and my account was eventually restored ( otherwise, it could not be suspended again now ). I contacted CFPB for this problem as well ( complaint ID XXXX submitted on XX/XX/XXXX ). \n\nWith both PayPal and Venmo ( for which PayPal is responsible ), these companies are unfairly smearing my digital presence and damaging my ability to conduct legitimate transactions. \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": "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/5979662", "source": "cfpb", "group_id": "cfpb/eeb0daf640e4f2085c77", "variant": "clean", "length_bucket": "long", "chars": 4047, "company": "Paypal Holdings, Inc", "date_received": "2022-09-13", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "eeb0daf640e4f2085c778c16295103af02077f10d0e6990c6fdb28286c6941ac", "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 Ive been challenged this company. \n\n\nDear Chrysler Capital, Thank you for responding to my inquiry about a recent dispute. Although the company has failed to provide validation of a debt. It is your responsibility to tell me the name of the creditor, the amount Is owed, and that you can dispute the debt or seek verification of the debt. as I still dont know any acknowledgment of this letter you sent out to validate such false documents. \n\nIn your letter your asking me for accuracy information about this debt with I will attached in the CFPB. Under the FCRA Law you most report Real accuracy address to me. As you also failed to give validation proof to the national credit reporting agency. Why are you reporting false address if original contract is help within your reach? Why do I need to dispute the accuracy of trade line when I am by law been asking the 4 major credit bureaus to ask Validation but instead Ive been receiving fabrication from CHRYSLER CAPITAL not validating the account ending in XXXX as for the ADDRESS is inaccurate that was later forward to my door way. Please provide Validation of letter you send out there is no accuracy for what is being reported on my credit report and you know The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4092857", "source": "cfpb", "group_id": "cfpb/647ee0539455e609b354", "variant": "clean", "length_bucket": "medium", "chars": 1528, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2021-01-25", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "647ee0539455e609b354b810e44899aa966344de94ea3c69f996eafd04fdac8d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Consumers Financial Protection Bureau ( CFPB ) : In submitting this complaint, I feel the need to share just a brief history of my story. I grew up on welfare and barely made it through high school. I had a rough home life that I was always trying to overcome. I worked hard for everything I had, but struggled emotionally. \n\nIn XXXX, at XXXX XXXX XXXX, I decided to get help for my drinking. This is the way I coped with my life. I began recovery for XXXX. As a result, my whole life turned around. After a few years into sobriety, I found out that I could go to school with the help of financial aide. What a dream come true! At age XXXX I began that journey. \n\nI went to community XXXX for a few years then transferred to XXXX, where I worked on my XXXXr 's in XXXX XXXX. A vocation that later realized barely paid. I had a specific job that I was interested in, but they increased the requirements to a XXXX XXXX level degree. At XXXX, I went back for my XXXX XXXX XXXX. I had never married nor had kids. I met my current husband at XXXX, married at XXXX. Soon after we were married I unexpectedly I got XXXX. I was so happy. I didn't think this was possible. He is now XXXX and finishing high school. \n\nI graduated with my XXXX XXXX in XXXX XXXX at XXXX. I am now XXXX XXXX XXXX and have 30 years sobriety. \n\n\" My loan servicer is Nelnet. I seriously don't remember consolidating. I had XXXX XXXX initially. I remember XXXX XXXX XXXX XXXX stating they weren't working with them anymore, but my memory escapes me on the details of the switch. \n\n\" I am not sure where to start? I have 20+ year old loans nearing {$200000.00}. Larger than our home loan. We are not extravagant. \n\n\" I have a XXXX XXXX in XXXX XXXX and have worked at non-profits for years with low pay. I finally worked my way into XXXX XXXX and started trying to pay. \n\nI set up an income-based plan. This was difficult because I am in XXXX XXXX ( XXXX ) with contractual staff, so it is more complicated. What my business takes in and what I am paid is different, so It appears as though I make more then I really do. \n\nThey are constantly trying to hold my spouse accountable. He did not co-sign the loans and in Michigan we are a non-community property State, plus they are not his loans. \n\n\" I have been paying fairly steady since XXXX of XXXX. As of XX/XX/XXXX - current I have paid {$26000.00}. \n\n\" From approximately XXXX in XXXX - XX/XX/XXXX, I began receiving harassing phone calls several times a day, even though I had continued to pay almost XXXX. Since this amount was based on income eligibility, they had considered me late for a portion of what they determined I owed. Initially I was confused about this and thought I had resolved things, at least for a bit. I found out that I needed to resubmit Income based information every year for that too. Each time they would demand my spouse 's income, which I wound refuse to provide. Each time I had to do this the process got drawn out further, then showing I very delinquent for the portion that they felt I owed. All the while I continued to pay $ XXXX. \n\n\" In XXXX of XXXX, I finally called them, because I couldn't handle all the calls. They called my office several times a day and left VM 's on that phone, where my colleagues and contractual staff had access. They called my cell phone several times a day with random unidentifiable numbers. \n\nI didn't feel they were working with me and refused to stop the calls until I resolved things. There appeared to be no solution. I was so upset from sobbing that I made the statement, \" It makes a person want to commit XXXX. '' I hung up feeling defeated and exhausted. \n\nAt the time we were packing our vehicle for a family camping vacation. A Michigan State Policeman pulled into our driveway. Nelnet had called them. They stated that if I didn't go to see someone to be evaluated for XXXX they would handcuff me and take me. My 16-year-old son and his friend were in the house waiting to finish packing for the camping trip. I and my spouse reassured the police officer that it was a figure of speech and I was just very upset. I explained that I myself was therapist and I was not going to attempt XXXX. He still refused and threatened to handcuff me unless I see someone before we leave town. He finally agreed to let me see one of my contractual therapist at my office. I did so while everyone waited in the car to drive up north for our camping trip. \n\nI have not been the same since. I can't talk with them on the phone because I have XXXX XXXX and sob. There never seems to be a solution. \n\n\" At the end of XXXX, I began paying {$1000.00} per month. Shortly thereafter I requested a short forbearance because my spouse was laid off. I was denied. So, I just didn't pay as it was the house payment, our healthcare and needed bills ( or ) the student loan. \n\nJust FYI - In XXXX our healthcare costs had risen to $ XXXX through XXXX with a high deductible. In XXXX, XXXX raised our premiums to $ XXXX. We finally had to switch to a different insurance with an even higher deductible to get premiums down. \n\n\" In XXXX of XXXX, they reported me to the credit bureau for the first time. My good standing credit plummeted. I had never defaulted, never not tried to communicate with them outside of being a late in making contact or some payments. \n\nBecause I have a difficult time talking with them without breaking down, I sent them an email requesting them to tell me what they need me to pay and sent my income amounts. I told them I would continue to make the {$1000.00} payment until they told me otherwise. They continued to tell me I failed to provide proper information, because I did not provide my spouses income. I kept paying and would again send my information. \n\nI am not eligible for any forgiveness, even though I have always worked with the disadvantaged/indigenous population in some capacity, even in my XXXX XXXX. I have been in forbearance for years, not really understanding how easily my loan were increasing. I am a smart and knowledgeable woman. However, I was very nave as to what was happening, especially in the beginning. I was just trying to make my life successful and make a difference. I have never intended not to pay. However, it is impossible to meet their demands. \n\n\" I have been paying {$1000.00} since XXXX of XXXX. I missed my XX/XX/XXXX payment which I fully intending to pay, got busy and keep forgetting. \n\n\" On XX/XX/XXXX I made a {$1000.00} payment. Later that evening I opened my mail and received a letter from Nelnet requesting that I pay the full amount of my note, {$190000.00}. If I did not pay or try to resolve within 30 days from the date of the letter, they would consider me default, garnish my wages and take our taxes. The letter was dated XX/XX/XXXX. I received it on XX/XX/XXXX. This gives me approximately 2 weeks to figure this out. \n\nI am scared of losing everything I have worked so hard for. I have a successful XXXX XXXX with on-going wait list, that I love. The dream I had has turned into a complete nightmare that is slowly beating me down. The dream of my XXXX son going to college is also gone. I don't want him to go through the same thing I am, which for a parent is very is sad. \n\nI don't know what to do?? I am going to try to consult an attorney for a better understanding of the legalities of this. I need some guidance and clarity as to how to deal with all of this. I am finding so many that are going through the same thing on the internet. I continue to look for information, but I have to come up for air and set aside now and them. If there is guidance you can give me to help me deal with all of this, it would be greatly appreciated. \n\nXXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2828099", "source": "cfpb", "group_id": "cfpb/f72924ff68975d1b6d19", "variant": "clean", "length_bucket": "long", "chars": 7716, "company": "Nelnet, Inc.", "date_received": "2018-02-27", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "f72924ff68975d1b6d19d33afe7df0053f7b848870d3759321284ef4231b1dc8", "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 XXXX XXXX account # XXXX has violated my rights. \n\n15 U.S.C 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 hand 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"}, "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/8806568", "source": "cfpb", "group_id": "cfpb/bdbd9757052d38906188", "variant": "clean", "length_bucket": "short", "chars": 308, "company": "Experian Information Solutions Inc.", "date_received": "2024-04-18", "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": "bdbd9757052d38906188d559d846ddd69aedd63950d003486d0410df694bc620", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "2015 federal loans were taken in out my name from XXXX XXXX college, 2 loans totaling {$3500.00} with taxes, fees and interest. I never received any money or loans from this institute or school. Contacted XXXX XXXX, XXXX, MI and customer service ( which has my SSN # ) about the fraud. I sent in affidavits to verify theft and have it removed from 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": "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/3547020", "source": "cfpb", "group_id": "cfpb/c9ac8b6f8f5773a3846e", "variant": "clean", "length_bucket": "short", "chars": 365, "company": "AES/PHEAA", "date_received": "2020-02-27", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Don't agree with the fees charged", "text_sha256": "c9ac8b6f8f5773a3846e8f5b265b7c1f0272bd33c12924c602dae17ab1ee29ec", "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  XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, NJ XXXX Phone : ( XXXX ) XXXX Affidavit of XXXX XXXX Enforcement of FDCPA, FCRA, and Contract Law Regarding Debt Collection by XXXX XXXX XXXX XXXX XXXX. \nXX/XX/year> XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, NJ XXXX, do solemnly swear and affirm as follows : 1. Background and Context I am the undersigned individual and the primary party of interest concerning the alleged debt purportedly held by XXXX XXXX XXXX XXXX XXXX. I am submitting this affidavit to enforce my rights under 15 U.S.C. 1692 ( FDCPA ), 15 U.S.C. 1681 ( FCRA ), and all applicable consumer protection and contract laws as they pertain to this matter. This affidavit is presented to XXXX XXXX XXXX XXXX XXXX to dispute the legitimacy and accuracy of their claim, to demand verification of their authorization to collect on the alleged debt, and to request proof of the original account documentation per FDCPA and FCRA mandates. \n2. Dispute and Demand for Verification As per 15 U.S.C. 1692g ( FDCPA ), I hereby request full verification and validation of the debt that XXXX claims to hold. According to this law, debt collectors must provide documented evidence to substantiate the validity and amount of the debt, including : The original contract or agreement with Synchrony Bank, as referenced in the complaint. \nA clear chain of title demonstrating XXXX  acquisition of this debt and authority to collect. \n3. Enforcement of Consumer Protection Laws 15 U.S.C. 1681i ( FCRA ) requires that any information related to a disputed debt be fully verified, accurate, and complete. If the information can not be verified within the legally allotted time frame, it must be corrected or removed from all credit records. Under 15 U.S.C. 1681s-2, XXXX is required to report accurate information and to correct or delete any false data related to my credit report. I have reason to believe that XXXX may not hold complete and accurate information or proper documentation regarding this alleged debt. Should XXXX fail to verify and substantiate the information within the required period, I demand immediate deletion of any information relating to this account from my credit report. \n4. Request for Method of Obtaining Responses and Verification As outlined in 15 USC 1681i ( 7 ), I hereby request a detailed report on the methods XXXX has used to verify the accuracy of any information related to this account. Any updates to payment history without valid proof of the original account agreement or terms are insufficient for compliance. \n5. Potential Penalties for Non-Compliance In cases of willful or negligent non-compliance, 15 U.S.C. 1681n and 1681o authorize consumers to seek damages, including statutory and actual damages, attorneys fees, and punitive damages. If XXXX fails to provide valid proof of debt ownership and verification, I reserve the right to seek all legal remedies available under these laws and pursue claims of statutory and actual damages due to inaccurate reporting or unauthorized collection attempts. \nXXXX. Declaration of Unauthorized Collection Activity Given the lack of substantiated documentation provided, I formally state that XXXX XXXX XXXX XXXX XXXX has no current legal basis to proceed with collection activity regarding this debt. Any attempt to collect or report this debt without compliance with verification requirements shall be considered unauthorized. \nXXXX. Affirmation and Demand I demand that XXXX XXXX XXXX XXXX XXXX provide within 15 days a thorough, documented response that includes all verification methods and original account documentation for the alleged debt. If the alleged debt can not be verified as required by law, I demand its immediate removal from any credit reporting and that XXXX cease any further collection actions related to this account. \nI affirm under penalty of perjury that the foregoing is true and correct to the best of my knowledge.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10708259", "source": "cfpb", "group_id": "cfpb/ae9ff2a707f2bdba1a69", "variant": "clean", "length_bucket": "long", "chars": 4066, "company": "SYNCHRONY FINANCIAL", "date_received": "2024-11-07", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "ae9ff2a707f2bdba1a691f86a3d77a88e18f5d54cb702b5a36e1fda9cbbb2a5c", "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 would like to file formal complaint against my credit union, Navy Federal Credit Union ( NFCU ). Below you will find a full explanation of the complaint and my desired outcome. Additionally I have attached three files ( the wire transfer form I submitted to NFCU, the transcript they provided to me, and the wire receipt ). All items are explained below within the explanation.\n\nComplaint explanation : With the assistance of NFCU I completed an international wire transfer to an individual with an account at XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX XXXX, XXXX XXXX. NFCU advised I upload any supporting documentation as needed. I completed the NFCU international wire transfer form, which included the beneficiary information. I uploaded the form and the wire transfer was completed on XX/XX/2022, for the amount of the wire transfer was, {$3700.00}. \n\nNFCU provided me with a receipt of the transaction and advised it would reach the beneficiary bank by XX/XX/2022. \n\nOn XX/XX/XXXX I called NFCU to obtain an update on the wire. I was advised by the representative that they are unable to provide me with any information on the status of the wire. I spoke to numerous representatives from the XXXX to around the XXXX of XXXX, all informing me there was absolutely nothing they could do to assist me in locating the funds or obtaining a status update on the wire. On the XXXX of XXXX, a representative did advise they would submit a service message to XXXX XXXX ( NFCU intermediary bank for international wire ) but XXXX XXXX is under no obligation to respond and they would most likely not hear anything back. All representatives consistently stated that wire transfers were considered cash and once sent they could do nothing to assist me as a consumer to help locate the funds or obtain a status. \n\nOn or around the XXXX of XXXX, I spoke with a manager and they advised they would send me the full transcript of the international wire that was completely. I received the transcript on the XXXX, and after reviewing the document I noted that NFCU incorrectly entered the beneficiary bank account #. They entered an extra digit. \n\nArmed with this new knowledge of the error, I then called NFCU on the XXXX to explain my finding and the error that NFCU did. I spoke with a manager and they advised they would send a service message out to the beneficiary bank, XXXX, to provide an amended account #. Additionally, in recognition of their error NFCU advised they would waive the transfer fees that were originally billed to me, in the amount of {$25.00}. \n\nOn XX/XX/2022, I called NFCU to discuss the possibly of NFCU providing my account with a refund for the wire amount as it was their error that resulted in the wire funds to become lost. Again, the representatives informed me that there was really nothing they could do to help, and they would not provide me with a refund of the wire. They again advised wire transfers are seen as cash and once sent it was out of their hands. I advised they sent the service message to amend the account #, and the representative stated that XXXX had no obligation to respond. \n\nOn XX/XX/XXXX, I called NFCU to obtain an update on their error resolution process and again requested a credit on my account for the amount of the wire that was lost due to their error, {$3700.00}. I advised I would at that point be submitting a formal complaint to the Ombudsman Office due to NFCU lack of willingness to help. The manager simply kept repeating there was nothing they could do, it was not their policy to refund wire funds as these were considered cash. He then hung up on me.\n\nI also believe that NFCU is in violation of Reg E requirements, specific to remittances and error correction. Under the error correction requirements, NFCU had 10 days to investigate, and 3 more days to notify me of the results of the investigation. If they require more time to investigate, NFCU is required to provide me with a provisional credit for the amount of the error, which in this case would be the wire amount, totaling {$3700.00}.\n\nI understand my rights as a consumer and know that NFCU can not simply wash their hands of the mistake they made, which resulted in a nearly {$4000.00} dollar loss to me and my family. My wife is pregnant and we are currently in the process of a large move. The amount of the wire that NFCU lost, was not a small amount to my family and I. We need those funds back to make payments immediately. \n\nI would like your assistance with communicating to NFCU my concern for their blatent rudeness, lack of awareness of my consumer rights, and their willful unwillingness to correct the error they caused or help in any way. I would like NFCU to credit me the full amount of the wire, which totaled {$3700.00}, plus interest. \n\nThank you for any assistance you can provide in this matter. Please reach out to me for any additional information you may require. \n\nSincerely, 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/5395280", "source": "cfpb", "group_id": "cfpb/b15456ed359d64926a97", "variant": "clean", "length_bucket": "long", "chars": 4974, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2022-04-01", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "b15456ed359d64926a9741a98b0e55e5b96e6bf32119526387a506b3cc3b8455", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over 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": "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/2371975", "source": "cfpb", "group_id": "cfpb/acf20f0edf5886adbe65", "variant": "clean", "length_bucket": "short", "chars": 375, "company": "Medical Society Business Services, Inc.", "date_received": "2017-03-06", "product_raw": "Debt collection", "issue_raw": "Cont'd attempts collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "acf20f0edf5886adbe6539006ab85bc3d32cc118d8ee4e1571bca857dee40729", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The loan was for XXXX and I was paying on time and I had job loss of hours and I let them know I could pay at least XXXX dollars every week they wouldn't accept it and put it on my credit report at first it was XXXX and since the loan was made in XXXX has now went up to almost a XXXX XXXX dollars in its placed on my credit report as a charge off and collection", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/5850232", "source": "cfpb", "group_id": "cfpb/fe36dfdf5dccedc84f7c", "variant": "clean", "length_bucket": "short", "chars": 362, "company": "World Acceptance Corporation", "date_received": "2022-08-06", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "fe36dfdf5dccedc84f7cdfc5218c836de04a25a6a6d9903fcd5900576baea438", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing this complaint because I was notified via mail of an XXXXXXXX XXXX account that has been placed into collection. This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. My parents have lived in the same house all my life and their address is not the one where the XXXX account was used. I have NEVER had any services with XXXX. As a matter of fact, back in XXXX I was a victim of identity theft and had to dispute a previous XXXX account that was opened using my identity. That dispute was successful. I have reached out to XXXX who is both the original and current creditor, but all attempts at having this account removed have been unsuccessful. I have also reached out to I.C. System Inc to dispute the ownership and inaccuracies of this account with no result. I have attempted to have this resolved many times since first being notified of its existence almost 3 years ago.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6868862", "source": "cfpb", "group_id": "cfpb/bef8fabb04e08a92d639", "variant": "clean", "length_bucket": "medium", "chars": 1225, "company": "I.C. System, Inc.", "date_received": "2023-04-20", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "bef8fabb04e08a92d63961cf0f834e69cde0701caed15e9ad6c95130e30c0bac", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was informed that my transaction was successful but the recepient did not receive the money. \n\nUpon further investigation on my end it was confirmed that the money was returned to World Remit. \n\nThe transaction completion date was XXXX XX/XX/2018. I followed up with World Remit to inquire about the status of the missing funds on 2 separate occasions. \n\nI was assured the first time that the transaction would go through, the second time I had confirmed the funds had been returned. World Remit assured me that they would refund my money but seem to still not know where the money 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2999247", "source": "cfpb", "group_id": "cfpb/e2cd16c8284466545b00", "variant": "clean", "length_bucket": "short", "chars": 587, "company": "WorldRemit Corp.", "date_received": "2018-08-22", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "e2cd16c8284466545b005cc193b1088503eac0a1dfafeb73726f68075d448dc9", "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, I hope all is well, I am filling/reaching with one final attempt of a resolution. \n\nI have spoken with my bank ( XXXX ) and they stated a security email was sent out to my XXXX. upon looking through my entire email there was one email found which was never opened by me or verified yet they stated that it was. Regardless if that one transaction was approved, even though it wasnt by me, it shouldnt mean that I approved the other 100 transactions. Upon looking throughout my account for clues as to how this happened, there is also a pin set on my cashapp account that I did not set. \n\nI would like some settlement from CashApp, or some assistance instead of short, quick answers. Their lack of security and acknowledgement of others concerns is very concerning for a XXXX XXXXXXXX dollar company. \n\nI have provided everything they have asked of me, and I have physical proof of my where about during that time which isnt matching up with where they are claiming I spent the money. \n\nI ask of you guys to make one final reach out to them and if all fails I will have to find other resources. I appreciate your time, this is a very stressful and long situation Ive been dealing with and at my age this money really means a lot to me. \n\nThank you in advanced, & I hope we finally get a positive result out of this. \nThe transactions in concern are below : XX/XX/XXXX for {$60.00} at XXXXXXXX XXXX XXXXXXXX {$60.00} at XXXXXXXX XXXX {$60.00} at XXXX XXXX XXXXXX/XX/XXXX {$300.00} at XXXXXXXX XXXX XXXXXXXX {$400.00} at XXXXXXXX XXXX, {$400.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX, {$120.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX, {$200.00} at XXXXXXXX XXXX, {$200.00} XXXX XXXX XXXX  {$190.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX {$200.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX {$100.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXXXXXX XXXX XXXXXXXX {$100.00} at XXXX XXXX {$120.00} at XXXX XXXX {$100.00} at XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} at XXXXXXXX XXXX {$110.00} at XXXXXXXX XXXX XXXXXXXX {$200.00} at XXXXXXXX XXXX XXXXXXXX {$200.00} at XXXXXXXX XXXX, {$200.00} at XXXX XXXX {$200.00} at XXXXXXXX XXXX, {$200.00} at XXXXXXXX XXXX XXXXXXXX {$200.00} at XXXX XXXX XXXX {$25.00} at XXXXXXXX XXXX, {$25.00} at XXXXXXXX XXXX, {$25.00} at XXXXXXXX XXXX XXXXXXXX {$50.00} at XXXX XXXX {$200.00} at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8943373", "source": "cfpb", "group_id": "cfpb/afaaf2ff9323cf0c4502", "variant": "clean", "length_bucket": "medium", "chars": 3916, "company": "Block, Inc.", "date_received": "2024-05-06", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "afaaf2ff9323cf0c45021e656d3766703a3e1b9794f9e529c6fe1e56c9a45d8b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Flagstar will not remove PMI when my current LTV is at 72 % without getting a {$750.00} appraisal done by them, on a home that was bought below current market value. they stated its a XXXX XXXX requirement. XXXX XXXX said its flagstar and the loan orginators reqsponsiblity. Either way a simple lookup at comps in the area will show its worth more. they do not disclose the appraisal requirement and per the attached letter it says the PMI is removed automatically at 78 %- it is not.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6599018", "source": "cfpb", "group_id": "cfpb/52b5346772fa8c8387ae", "variant": "clean", "length_bucket": "short", "chars": 484, "company": "NEW YORK COMMUNITY BANCORP INC", "date_received": "2023-02-21", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "52b5346772fa8c8387ae6b9dcd7ca8000d85873f8fd0f267fc4b99f4c5b98e2d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been struggling with private student loan payments with Navient for quite some time now. After multiple attempts to lower payments by providing my financial statement along with my co-signer financial statement to show neither she nor I have the financial means to pay, Navient has refused to lower payments. The solution has been to sign up for auto-draft to reduce the payment minimally or to pay interest only by auto-draft that still amount to only {$30.00} less than the original monthly payment. They state there are NO other options. \n\nI initially received this loans during studying at XXXX XXXX University in XXXX XXXX/XXXX from Sallie Mae at the time. I received these loans without fully understanding what a private student loan was. Sallie Mae repetitively offer these loans every semester as my only option to pay for school. The amount offered and received each semester was in no way affordable by a XXXX XXXX, when schooling was complete, nor by my mother, a XXXX XXXX XXXX. With that in mind, my payment per month is currently {$450.00} and some change. I make roughly $ XXXX/month with expenses at roughly $ XXXX/month before adding the Navient payment into the mix. I mailed in hard evidence in XX/XX/XXXX ( attached ) of my financial hardship listing ALL bills I currently pay with my income and copies of a majority of bills ( only lacking those that do not have monthly statements ) highlighting the payments I am making to show them I am not trying to scam them out of money and just simply asking for a payment I can afford without having to go into default or file for bankruptcy. I received a generalized response in the mail ( attached ) stating that they would try to lower the payment if I contact a loan representative by phone. \n\nMy first attempt to lower my payments, I received a great agent that seemed to be trying to help me as much as he could. He stated there may not be anything he could do to lower it but he would look through everything and try. I asked him about options of consolidating my private loans through them. He quickly stated they stopped consolidating private loans recently. We went through my financial statement again, even though I had sent in a letter with everything including my account number and loan numbers. ( Obviously, the letter was not kept as record in my file. ) We completed my financial statement and he proceeded to ask for my co-signer 's financial information. He tried to start a conference call to talk to my mother and collect her financial statement. During the process, we were disconnected. I never spoke to that agent again because you can not request the same agent you had previously when calling back. \n\nMy second attempt, I connected with a terrible agent. His name was XXXX and I wish I could remember his last name. He stated that the payments could not be lower and he had no clue why a financial statement was even taken. He knew there was no way I could lower my payments and offered the auto-draft option that doesn't not help in any way. \n\nThe third attempt, my father tried to call on behalf of me and my mother to give a financial statement. He talked to a female agent, who was friendly and apologized for XXXX stating that the payments can not be lowered. She stated there are other options out there they could offer but would not allow my father to go forward on my account without me present and recommended that we do a one month forbearance until we have everything situated since my payment was delinquent at this time. \n\nFourth attempt, I called and talked to XXXX. He was very pleasant. I explained my situation and asked for forbearance for the month of XX/XX/XXXX. He asked why my payments haven't been lowered yet and I told him they were waiting on my co-signer 's financial statement. He made it seem like there were options available for a lower payment. I paid my forbearance for XX/XX/XXXX and did not have another payment due until XX/XX/XXXX. This gave us time to get my mother 's financial statement together and talk to an agent to hopefully get everything settled. \n\nToday, XX/XX/XXXX, my father contacted them again with my mother on the line since she has access to the account as my co-signer. After giving a financial statement, Navient came to the conclusion that payments can not be lowered. My only option from here forward is to make interest only payments for 6 months which would be {$420.00} per month auto-drafted. \n\nAs a XXXX XXXX, I would not have been able to make these payments and would have already filed for bankruptcy many years ago. A few years after school, I realized I would never be able to pay back my private loans with a XXXX XXXX salary and went back to XXXX school. I figured I could make more to pay them off quicker. With government financial help, I received my XXXX and hoped for a better life financially but unfortunately I am still unable to make the minimum payment on a registered nurse salary. All I ask is for a lower, affordable payment so that both sides win.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2889678", "source": "cfpb", "group_id": "cfpb/4559d727929a5355cabf", "variant": "clean", "length_bucket": "long", "chars": 5031, "company": "Navient Solutions, LLC.", "date_received": "2018-04-27", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Problem lowering your monthly payments", "text_sha256": "4559d727929a5355cabf10d083498ad313d41467a815e75717f06ce48d106262", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/2018 around XXXX XXXX I called quicken loans to make a full mortgage payment over the phone on the last day of my grace period due to unforeseen circumstances. I was advised by two quicken loans managers that they could not process my payment in full today because we were paying from 2 separate XXXX XXXX accounts. I was told that quicken loans had to split the payments and process one today and one tomorrow. In doing so that scenario would automatically generated a XXXX dollar late fee because one of the payments would now get posted past my grace period because of the way their payment process system is set up. That is not my problem! and I shouldn't be penalized for your payment system or IT department not being able to figure out how to process different types of payments to the same account on the same day. And the worst part is having the audacity in charging me a XXXX dollar late fee due to your limited customer service payment processing shortfalls I'm demanding a refund. I felt i was being gouged scammed into fees that were designed to pad your companies bottom line, The question is how many other innocent borrowers that didn't speak out that have also been taken advantage of by your so called split payment system. \nXXXX Dollars times Ten million borrowers let 's say makes a nice profit.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3103540", "source": "cfpb", "group_id": "cfpb/45874179e2a83083bda3", "variant": "clean", "length_bucket": "medium", "chars": 1325, "company": "Rocket Mortgage, LLC", "date_received": "2018-12-18", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "45874179e2a83083bda327faaeae557d2602929675e1ab721a093708abb38982", "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 the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have \" missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can 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": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/2891516", "source": "cfpb", "group_id": "cfpb/4b8a4bc033109917f93b", "variant": "clean", "length_bucket": "short", "chars": 671, "company": "AES/PHEAA", "date_received": "2018-04-30", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "4b8a4bc033109917f93befae1e11a11a9a7594c824c5209d5db1bafdec7895d0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Thursday XXXX XXXX That morning I checked the status for my payroll check of {$440.00} and come to find out theirs only XXXX cents. \nFirst, I called Money Network customer service ; I was told my paycheck was never deposited in my account. \nSecond, I called and talked to XXXX XXXX XXXX manager XXXX XXXX she said on their end my paycheck was deposited to my payroll account. Then she called Money Network on my behalf to find out what was going on. I called her back and she told me to call back Money Network. \nI call back Money Network customer service and I gave all my information The customer service worker begins to apologize to me voicing my account has been compromised. Because, 94 transactions used by XXXX XXXX XXXX XXXX of {$1.00}, {$2.00} and {$5.00}. I was asked did you make these transactions? I said, No, who in their right mind would make 94 transactions for those small amounts. I was asked does anyone have my debit card? I said, absolutely not,. This same day, I was issued a new Payroll debit card that will be mailed to me by XXXX and told I will get it in 3 days free of charge and the customer service worker also said to me, I am filing a dispute letter for you, we are mailing you the dispute forms please fill out ASAP so we are able to do a complete investigation and you will be able to get your {$440.00} back. \nSecond, on XX/XX/2020 I did receive my new PayRoll Debit Card, but No dispute claim letter forms was with it. So this same day, I called Money Network customer service again to find out why wasnt the dispute claim letter forms was nit XXXX  to me with my Payroll debit card. \nI was told by Money network customer service representative, Im sorry for the XXXX the reason the dispute letter forms was not XXXX  at the same time with your new card is because it comes from a different department. Please be Patient Third, XX/XX/2020 I called once again to Money Network customer service to find out where was the dispute letter form it has not been mailed to me. I was told by the representative named XXXX said im sorry Miss XXXX your dispute was denied. I said, how is that possible if Im still waiting for the dispute letter forms to be mailed to me. I asked to speak to the manager. I explain the problem, the manager refilled a second dispute for me .The manager said to me, as soon as I get it to fill it out and set it ASAP to us. \nMoreover, this same day I checked the mail before I headed to work long and behold I was mailed and received 2 letters at the same time from Money Network. \nOne letter was a larger white envelope Stamped XX/XX/2020 US Postage in it was the dispute claim letter forms I just called about not receiving. \nSecond Envelope from the Dispute Operations Department Money Network. A First Data Company. Informing me that my dispute claim was investigated and denied issued and filed XX/XX/2020. I immediately called Attn : XXXX Phone : XXXX ext. XXXX I explained the whole issue to XXXX, I asked him dont you agree someone on their end made a hug mistake by mailing out 5 days late the dispute claims forms I was needing to resolve to get my money back? He said, No. And I also voiced, Help me understand how did my dispute claim get denied and filed one day after the first dispute claim was filed on XX/XX/2020. How did that time frame give your company long enough time to properly investigate in how and why was my account compromised, hacked and my PayRoll check was so easily stolen out of my account? \nXXXX said, Miss XXXX I can see a second dispute claim was filed today. It will be mailed to you five business days ; please quickly fill out the forms fax or email back to us ASAP Please do not fill out or send us the first dispute claim forms. I asked why, I have them right here this can be done today. XXXX gave no answer by repeating what just Previously told me. Then I asked XXXX where on the forms do I check off on. \nXXXX said, check off on the box that says, MERCHANDISE NOT RECEIVED I did what he said. \nBut, I did not order anything ; my account was hacked. This dispute claim forms has nothing to check off for, Compromise accounts that got hacked and money stolen out of it. \nMonday XX/XX/2020 I still have not received the second Dispute Claim forms. Today, I will attempt to email The first dispute claim forms I already In Hope this will help my case. \nAlso, on Tuesday XX/XX/2020 Im going to Fax the first dispute claim forms to through The XXXX XXXX the company I Previously worked for. In hopes in good faith this issue will be resolved and my paycheck will be restored back to my account Sincerely XXXX XXXX Please Call the XXXX store XXXX XXXX Due to, COVID-19 i truly understand most companies work force is thin. Lots of work to be done but short handed to get the work done 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3958505", "source": "cfpb", "group_id": "cfpb/635ead9ed4f828138f32", "variant": "clean", "length_bucket": "long", "chars": 4788, "company": "FISERV INC.", "date_received": "2020-11-17", "product_raw": "Credit card or 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": "635ead9ed4f828138f328fd623b14951fe86d0b3466ab24851744e4c2b747538", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I accidentally paid my credit card twice, and I called them to let them know. I was paying the full balance as of XX/XX/XXXX and balance should've been {$0.00}. \nI called them to notify them that I accidentally pressed pay twice and they said I have to call my bank after the charge is made. When I saw it on my bank statement, I checked my credit card and found they credited the extra charge to my account. The problem was, that the {$3100.00} they should've credited, was now, {$2400.00}! I checked my purchases that I made last night, and they added up to about {$270.00}. How could my balance that was credited to my account be {$2400.00}? I tried to check my statements, There aren't any! \nThey just show the charges, but I feel that based on my charges and payments, I may have been overcharged since I've owned this card. I don't want to use this credit card anymore. They are dishonest.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6669728", "source": "cfpb", "group_id": "cfpb/e2e65ecf5533a8df920f", "variant": "clean", "length_bucket": "short", "chars": 895, "company": "SYNCHRONY FINANCIAL", "date_received": "2023-03-09", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase shown on your statement", "sub_issue_raw": "Overcharged for something you did purchase with the card", "text_sha256": "e2e65ecf5533a8df920f2ca527e13911c72342ffb006ba6d0279eb9392155ef7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The purpose of this letter is to escalate an ongoing complex dispute with Bank of America that has remained unresolved since XX/XX/XXXX. I am reporting Bank of America to the CFPD for violating consumer laws. And as an American born citizen and a customer of Bank of America for 46 years I put my trust into the Consumer Financial Protection Bureau for review and complete resolution. \n\nDuring my 46 years of banking with Bank of America I have had excellent banking with an excellent credit rating. My banking transactions were notably predictable modest transactions. Then in XX/XX/XXXX due to the lack of cybersecurity BofA promises, BofA obviously failed to meet the compliance standards ( and my account was at risk caused by privileged users ). In addition, Bank of America is unable to manage and control third party vendors. Unfortunately, my bank allowed a criminal to gain access to my account. He made multiple fraudulent transactions, and it is alarming my bank does not know how to fix it. Instead of treating me as a respectable long-term customer, they have put me on the defensive by outrageously creating a fake credit card in my name without my permission to bill me for their mistakes. Below is an overview of banking complexities that would never have occurred had they not issued a fake credit card in my name. Back up documentation is available upon request. \n\nBofA failed in their critical responsibility to provide safe and secure banking. The banking breach was cause for immediate attention, but BofA has seriously declined in customer service. Ive made hundreds of calls to BofA, sent emails to VPs, made appointments in person, sent documentation by certified mail, and sent a Demand Letter to get someones attention. Nothing happened. The banking problems remain unaddressed. Phone calls to BofA are avoided through endless re-routing from one department to the next. Agents repeat the same script I cant help you, youve reached the wrong department, let me transfer you. It is impossible to connect with a bank agent, and if you finally do, they simply dont know what to do - or how to handle it. \nIt's obvious the delay tactics are to BofAs advantage. And contracting with substandard third party services are to the bank 's advantage. Problems such as deceitful transactions can not be easily traced and the bank therefore is unaccountable. \n\nBank of America unlawfully created a fake credit card in my name without my permission. A customer service agent informed me they went back to XXXX before I banked with BofA to create a new credit card in my name. Bank of America then duplicated charges multiple times and applied the same transactions to several credit cards. Then they sent me a bill for the fake credit card ( XXXX ) in the amount of {$14000.00}. It is not my debt. At the end of this letter, you will find a brief recap of bank mistakes and duplicated charges as an example. Statements are available upon request. \n\nThese bank problems began in XX/XX/XXXX when a criminal named XXXX XXXX hacked into my account through XXXX and gained access to my entire banking. It was reported but the Fraud department did not investigate him. The bank agent informed me he made XXXX illegal transactions. XXXX {$1600.00} and XXXX {$1900.00} and a cash advance from my credit card XXXX for {$3900.00}. This banking breach caused a domino effect on multiple accounts, making it exceedingly difficult to resolve. BofA did refund Fraud activity {$1600.00} and {$1900.00} only. The fraudulent XXXX transactions caused an overdraft on my account which resulted in many other banking problems I am stuck with because the bank does not know how to fix it. \n\nBofA negligence & online bill pay managed by a 3rd party service. Someone at the bank had access to my account and during this time a {$10000.00} payment was processed to XXXXXXXX XXXX in error. Who XXXX XXXXXXXX makes a {$10000.00} payment online? That should have been a red flag for the bank, but they just let it go even though in 46 years Ive never had {$10000.00} in my account- ever. I caught it at once and called BofA XXXX Bill Pay Division ( 3rd party service ). They were extremely nervous, but they also refused to stop the transaction. Naturally, this caused overdraft activity. I was able to remedy this myself by contacting XXXX Bank who refunded the amount three weeks later. I deposited it into my checking account, and I immediately made an appointment in person at the XXXX Branch to pay off all my accounts. They gave me a confirmation number, but unfortunately, later I learned BofA applied that payment to the wrong account. Bank of America has become simply incorrigible. \n\nBank of America then ruined my credit rating. 46 years of excellent credit went down the tubes overnight as I realized BofA would rather destroy me, than help me. Instead of acknowledging me as a long-time loyal customer, I am treated like a criminal. Their lack of banking security and incompetency put me in this awful position, and now I am left to try to defend myself without legal representation due to the unfair arbitration clause. The unfair arbitration law must change It is criminal. \n\nThe surmounting stress of this unresolved bank issue has caused irreparable damage to my health. It is devastating my bank has turned against me and is threatening my future livelihood. It is a living nightmare that never ends. I received a BoA letter that states my account will go to Charge Off on XX/XX/XXXX, if I dont make a payment towards $ XXXX a debt that is not mine its not real but created through my bank misappropriating charges and credits. \n\nI must work to supplement my social security income and a poor credit rating will hinder me from gainful employment. This year, my earning ability was significantly reduced due to the hours needed to focus on fixing this banking problem. I am worried I will not be able to get credit if needed in case of a medical emergency. There is no safety net as I have no family or support ; it is life threatening as it could lead to homelessness. \n\nI am reaching out to CFPB to resolve these unlawful practices of Bank of America. For myself and millions of other customers that have had similar insufferable experiences with this bank. It is hard to understand why so many government agencies turn a blind eye to Bank of Americas unlawful practices. Even though this bank continues to be sued for billions, no one will stop the repeating criminal banking behavior. Our Banking laws must change to really protect consumers and more importantly enforced so Bank of America can no longer have the free will to destroy peoples lives. \n\nBank of America would not provide me with any justification or accounting of the transactions so I created this chart that will illustrate the unnecessarily complex mess the bank made. They must fix it! I expect Bank of America to correct the multiple duplicated billings ; to close the illegal cc XXXX issued in my name without my permission. Close that card at a XXXX balance and mail me an updated statement. I have paid off all my accounts with Bank of America. I have no real debt with this bank. I would also like Bank of America to remove the false debit ( s ) from all credit agencies and restore my perfect credit rating by the end of XX/XX/XXXX. I will not accept phone calls from Bank of America because they are liars. All communication must be in writing. \n\nIve been consumed by this mess and there is no extra time to work on the EDD income and the State of XXXX money sent on a special card. Bank of America closed my account, so I no longer have access to that information or those funds. That also remains unaccountable and unresolved by the bank. \n\nXXXX BANK OF AMERICA MIAPPROPRIATED FUNDS - XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX BANK OF AMERICA ERRORS - MULTIPLE CHARGES ON SEVERAL CARDS XX/XX/XXXX cc XXXX first charge on cc XXXX {$9600.00} 1st time wrong card XX/XX/XXXX cc XXXX second charge on cc XXXX {$9600.00} 2nd time on fake card XX/XX/XXXX cc XXXX third charge on cc XXXX {$9600.00} Fake CC XXXX confusion Total Bank Errors {$28000.00} XX/XX/XXXX cc XXXX minus XXXX credit on cc XXXX $ ( XXXX ) One transaction billed three times - fix it {$19000.00} MULTIPLE BANK ERRORS TRIPLE BILLING BANK OF AMERICA UNLAWFULLY CREATED A FAKE CREDIT CARD IN MY NAME XX/XX/XXXX cc XXXX Bank Error Charged {$3900.00} 2 x on XXXX {$7800.00} XXXX CHARGES XX/XX/XXXX cc XXXX XXXX CREDIT $ ( XXXX ) XXXX XXXX XXXXXXXX transaction billed 2x & 1 Credit Balance {$3900.00} XX/XX/XXXX cc XXXX Fake card cause unnecessary confusion with misappropriated charges and misapplied payments $ ( XXXX ) BOFA APPLIED PAYMENT TO WRONG ACCT ACTION TO BE TAKEN : BANK OF AMERICA MUST CORRECT THIS ERRONOUS ACCOUNT IMMEDIATELY XXXX XXXX Fake Credit Card ( XXXX ) Statement XXXX ERROROUS BILLING ON XXXX AND DUPLICATED BILLING MULTIBLE TIMES ON SEVERAL CARDS RECAPPED ABOVE {$16000.00} Interest accumulating ACTION TO BE TAKEN -BofA REMOVE IMPROPER DEBT AND RESTORE MY EXCELENT CREDIT XXXX All Credit Agencies Remove this banking information from all Credit Agencies. Restore my credit rating ACTION TO BE TAKEN - BOFA FIX PAYMENTS MADE TO CORRECT ACCOUNTS XX/XX/XXXX cc XXXX Other payment made in person with agent $ ( XXXX ) confirmation XXXX XX/XX/XXXX cc XXXX Statement XX/XX/XXXX to XX/XX/XXXX XXXX {$11000.00} Paid in person at XXXX branch $ ( XXXX ) confirmation XXXX Thank you for taking the time to read my letter. I look forward to hearing from you with a positive resolution to this matter. I can be reached in writing at the following contact information. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7264038", "source": "cfpb", "group_id": "cfpb/9bbf0d689ad3597a61cf", "variant": "clean", "length_bucket": "long", "chars": 9719, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2023-07-17", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Other problem", "text_sha256": "9bbf0d689ad3597a61cf5cfc0512408a0fe08e197b9b128864026b613ecc3fd7", "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 request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. \n\nI am requesting that you provide the documentation and proof of validation for the following account : * Account Name : APPLE CARD/GS BANK USA XXXX Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. \n\nFailure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. \n\nThank you for your immediate 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": "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": "written_notification", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9098282", "source": "cfpb", "group_id": "cfpb/e61707e54af936729e61", "variant": "clean", "length_bucket": "medium", "chars": 1206, "company": "GOLDMAN SACHS BANK USA", "date_received": "2024-05-26", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive enough information to verify debt", "text_sha256": "e61707e54af936729e618377fd6b44258d12c74e985cbca66e7638cd6ffb98af", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Wells Fargo Bank financed my car in 2011. They were overcharging me and my interest went up. I paid my car payments on time and I was able to payoff my car. I do believe Wells Fargo overcharge me on many occassions.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6462742", "source": "cfpb", "group_id": "cfpb/2f041df1a9d58a4fea38", "variant": "clean", "length_bucket": "short", "chars": 215, "company": "WELLS FARGO & COMPANY", "date_received": "2023-01-21", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with fees charged", "text_sha256": "2f041df1a9d58a4fea380c0b4371c7a56dd8bbccfca34209eb9f3e569a7ca75f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "To whom all it may Concern, Buyer BEWARE & Vender BEWARE It is time to reconsider and re-evaluate each of your relationships with Army Air Force Exchange & XXXX XXXX. \n\nAs well as the way that taxpayers & voters do business with our military bases. Here and abroad. This email is a stark reminder & warning of the cost of doing business with these two fraudulent companies. Buyer beware and Vender Beware.\n\nAll respect of the vendors, government agencies, public affairs, and media contacts that deal with Army Air Force Military Star Card & Exchanges worldwide. \nIf you are a vendor doing business with AFFEES. \n\nPlease reconsider the following. \nYour business arrangements going forward are NOT SECURE.\n\nAAFES does not honor its cyber-security contracts. They are two years delinquent on labor subcontracts before the pandemic resulting in multiple breaches. AFFES forces out small businesses under their umbrella that pay rent directly to Army Air Force exchange. Including Phone Kiosk vendors. \nAsk around. \nThe primary concern is not the bad XXXX or XXXX XXXX Reviews that both companies have amassed. which now for XXXX is over one thousand negative fraudulent reviews. It's the unsecured network AFFES continues to run and the scam artists they hire out at XXXX. It's the money they kept including taxpayer money, for the labor to upgrade the network. That the Exchange sat on. This includes purchase card point purchase machines that are not secure their cyber Network is not secure and at least three other families in the area that I know of personally. \nThat being said. Each company should re-address your security concerns dealing with the Exchange and reevaluate the risk associated with a company that is operating under the table, and any credit card dealings with the Army Air Force exchange over the last three years. \nBecause of AFFESS & XXXX internal problems, greed on a national scale. They choose to \" NOT '' upgrade all their credit card machines even though they misled the public on XXXX. Telling everyone that they have a new biometric system credit card system? Store Managers in Florida, Tenessee & Kentucky  respectively all say differently and complain to customers how management never \" takes care of it '' They roll their eyes because the credit card systems at least 10 years old always hang up they always have to re-check your entire basket of merchandise out. And then when you get the bill three months later theres fraudulent billing on it? The website has never been updated. A host of supervisors up the chain of command all the way going to XXXX do not follow up and yet make shady deals with the Department of the treasury to suit their own needs and to make the contract up as they go along. You dont have to look as far as my situation but there are very poor business decisions at Armed Forces exchange like removing DVDs and movies and most of the physical games?\n\nGift card scams on an epic scale. An active-duty Air Force police that doesnt care enough to walk across the street because theyre in on the gift card action which goes all the way up the chain of command as well.\n\nThats XXXX XXXX XXXX XXXX. You dont look any farther but to see the commander 's portrait on the wall as you walk into the Exchange. \nOne would think that the XXXX XXXX wing commander has more important things to do than worry about a department store that is not secure, out of date, and overpriced? \nWhat does it say about their business dealings with each of you? Or theyre concerned for any of their customer 's identity or security? \nConsidering this is supposed to be a secured military star card for our active-duty troops, their families, and a host of Veterans some of which are permanently XXXX like me. \nIt doesnt have to be said that its simply not a matter of going out in town and shopping locally. But also considering that there was a mask mandate put on the base and members of the security squadron dont wan na wear their masks and at the exchange, they dont wan na wear the masks. \nPerhaps some of the people at the world health organization would like to contact the department of defense and the department of the Air Force about their PPE requirements and mandates? \n\nCan you see it becomes a little more than just my credit card? It becomes a health issue, it becomes a national defense issue, it becomes a federal and felony wire transfer fraud problem, it becomes an embezzlement problem. It concerns every person that has worked for the government or currently works for the government. As in XXXX all of your information was affected as well it affected millions of people. And yet all through that and XXXX, the Exchange was supposed to update their contract on Towing to purchase machines and yet they sat on it for two years?\n\nIn the last year alone I have 87 calls into the Exchange and XXXX to try and adjust and fix the things on my account. \nAnd after a month and a half of not a single follow-up. \n\nEach of the XXXX XXXX XXXX  Managers know exactly who is doing what and where the problem starts and it starts at the Exchange. \nXXXX and Supervisors at the Exchange and XXXX sit on the contract, collect that interest, and millions of dollars. We the customers, taxpayers, and Vendors pay the price. My identity is now stolen, our bank accounts compromised, my credit is ruined to the point where I have to file for a potential bankruptcy. Thats not including what happened to my neighbor down the way to the Exchange and XXXX is doing the same thing too. \nIs it ethically the right thing to continue to do business with companies that are not interested in doing business with each of you? That run their Veteran-owned subcontractors off? If Army Air Force Exchange and XXXX do not respect basic business contracts that they facilitate. \n\n-What do you think they are going to do to each of your companies ' profit margins? These people rely on volunteer labor as well instead of paying a living wage to the employees that do show up to do their jobs. This added cost savings. Buffers The Exchange and XXXX along with the vast number of wage garnishments that pad their pockets. \n\n-Those profits and take away from your bottom line. As they have mine. \nEach Vendor should thoroughly reconsider if your relationship with the way that we all do business with our military bases and this email is a stark reminder and warning to anybody out there that chooses to do business with the exchange. Buyer beware and Vender Beware. \n\n-Do not solicit from these scam artists, do not give them your business, do not go on the website and order something online this holiday season because it is not secure. Do not give them any of your personal information. Please do not use your military star card. Do not get gas at XXXX XXXX XXXX XXXX. Do not let them defraud another service member. Active or XXXX Veteran or their family. Make good ethical business elsewhere. \nThere are other good & noble \" Veteran Owned Companies '' in America and overseas that would love each of your businesses. \n\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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4524022", "source": "cfpb", "group_id": "cfpb/229de4e3d1f064ccfea7", "variant": "clean", "length_bucket": "long", "chars": 7066, "company": "Army and Air Force Exchange Service", "date_received": "2021-07-07", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "229de4e3d1f064ccfea7e3163dd48cfa9558454a7a522487dd1e3d71e38b6fed", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We went aloha kia dealer and got a brand new car the sales man explained to us the car value which we new it was worth XXXX we agreed to getting the car for the XXXX and monthly payment of {$780.00}. So when we did the paper work he went over the charges as far as we know it was only one letter that was explained to us such we signed for the sales man made us sign the main contract first and after we sighned the main contract he made us sighn electronically on a blank white screen on his computer and was also rushing us to sighn the white blank screen because he said the screen will time out and he would have to dtart over which we were never acknowledge what was those signitures for so we went home and went over the other papers he put in the yellow envelopehe gave us with the main contract we had sighn which we knew the car was worth XXXX finding out wen we were going through the other paper he shoved in the yellow envelope we find out that the electronic signiture we had did on the blank screen was copied. And pasted on other documents that were never explaid or acknoledge for any reason we find out that the actual price for the car was not XXXX but XXXX we also seen that are signiture was copied and pasted on the a really important document that was never shown or explained to us such is the federal truth and lending disclosure we were never shown or explained the dealer accepted to unwind the whole contract but wen they came to pick the car up they wanted me to sighn a paper that was basically making me waive my rights and wen I told them that I wasnt gon na sign they decided to brake there promise to unwind the contract also the car only had 12 miles and now it has XXXX and it broke down it not useable", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4467254", "source": "cfpb", "group_id": "cfpb/e43a0cf6d60f9df93436", "variant": "clean", "length_bucket": "medium", "chars": 1737, "company": "HYUNDAI CAPITAL AMERICA", "date_received": "2021-06-17", "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": "e43a0cf6d60f9df934362813f7c5ebd66193adf755d99f44c28184d954082331", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have a PayPal credit account and I make purchases ad pay them off before the interest is due. Last month, i paid more than was due calculating what I would owe for this upcoming month. When I opened my statement for the month, it said that my minimum payment due was {$670.00}. when I added up the payments with expiring balances through XX/XX/XXXX, it came to {$370.00}. \nI called PayPal and asked them how they were calculating the balance due? they responded that my account was purchased back in XXXX and that there were XXXX balances with 0 % interest that totaled {$300.00}. \nI asked why if they keep including this amount in the balance due why the amounts had not been paid off, I was told that I needed to call them and instruct them to pay off the old amounts or they would continue to add them to the total amount due. It is also unclear if they have a 0 % interest rate why are they asking for payment in full and then not applying off the balance? \nI then asked them to move the overpayment to those amounts and I was told that could not be done because the funds were already allocated. \nI fail to understand how they are requesting these monies and then not applying them to the balances they are requesting them for. \nThey continue to practice deceptive and confusing practices despite my prior 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"}}, "_meta": {"id": "cfpb/9416561", "source": "cfpb", "group_id": "cfpb/fbf9b8c119e37b7a3dca", "variant": "clean", "length_bucket": "medium", "chars": 1323, "company": "SYNCHRONY FINANCIAL", "date_received": "2024-07-03", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Confusing or misleading advertising or marketing", "sub_issue_raw": "", "text_sha256": "fbf9b8c119e37b7a3dca23dbb50888a99db61000a26f0dddabb2d839c61277a4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a second mortgage with Nationstar that was removed through a chapter XXXX bankruptcy. The lien was removed and the recorded document of the lien removal was sent to me. When I go on to my Nationstar account, for my 1st mortgage I still have with them, unfortunately, I see the information listed below. When I call the collection company, they tell me yes the lien was released. \" Do n't worry about what you see on your Nationstar Account, only you can see it, no one else. No one has ever called before about this. '' The customer service man also told me that the collection agency listed below is a subsidiary of Nationstar ( Nationstar IS a collection agency! ). I asked since they are related, would you please communicate to them to remove it. He told me he can not do that. He told me not to worry about it since it is no longer on my credit report - how did he know that? \n\nYOUR ACCOUNT HAS BEEN CHARGED-OFF AND HAS BEEN PLACED WITH XXXX FOR COLLECTION OF THE OUTSTANDING BALANCE. \nNote : the charge-off of your account does not affect your obligations under the terms of the Note and/or Security Instrument. \n\nPlease contact XXXX to discuss repayment options at XXXX or email XXXXXXXXXXXX or visit XXXX online. \n\n\nLOAN NUMBERXXXXMATURITY DATEXXXX/XXXX/2037INTEREST RATE8.313 %", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2296801", "source": "cfpb", "group_id": "cfpb/60c0b331a58f84c14b45", "variant": "clean", "length_bucket": "medium", "chars": 1292, "company": "NATIONSTAR MORTGAGE LLC", "date_received": "2017-01-19", "product_raw": "Mortgage", "issue_raw": "Loan servicing, payments, escrow account", "sub_issue_raw": "", "text_sha256": "60c0b331a58f84c14b45975df56199cb6837d9ae1fdc76d0ce26c31a33b3265c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My experience with FedLoan servicing has been one continuing nightmare from the beginning. I can confidently say that choosing the government loan repayment program is the worst financial decision I've ever made in my life ( and possibly the absolute worst decision ever! ). I started out being serviced by XXXX. For the first year of my loan they put me on a program that did not qualify for the repayment program despite the fact I specifically requested that. Over the five years that XXXX handled my loan I was repeatedly misled and provided false information which cost me thousands of dollars. \nAfter approximately five years I requested a calculation of my previous qualifying payments, and was automatically transferred to FedLoan. I  thought my account would finally be handled properly, but unfortunately I was mistaken. \n\nOn XX/XX/2016 I contacted FedLoan about my newly calculated amount of my loan, which was {$340.00} per month. Because of my family and financial situation at the time this was somewhat low. I spoke with the FedLoan representative who told me that I could make up to 12 payments at one time and have them count for 12 separate payments. I had approximately {$4000.00} in my savings at this time, and wanted to take advantage of this option before the money ended up spent on other things. However, this didn't sound right to me so I repeatedly asked, no less than three or four times, to confirm that even if I made these payments all at one time, it would still cover separate qualifying payments. The representative continued to assure me this was the case. I made the lump sum payment, and because every month I received a statement in the mail showing no payment due, I assumed that this was processed as it was explained to me. \n\nI submitted my paperwork for a re-calculation of my monthly payment, as must be done each year. At this time I inquired about the lump sum payment I made, and to confirm that it was credited as it was explained to me. I was notified at this time that I only got credit for one qualifying payment. I requested to speak with a supervisor at this time and was told there were none available and left a message requesting a call back. ( It should be noted that I've left messages several times for supervisors and never got a call back. ) After requesting for over a year that this be reviewed and considered for an exception it was finally referred to the people that conduct this. It then took another six months for the review to take place. In the end they told me that they only keep the recorded phone calls for two years and because they couldn't confirm what I was told they were refusing to give me credit for the payment I had made. \n\nAfter calling several additional times I was told that they would credit me back the portion of my payment that was not applied to qualifying payments. I reluctantly accepted this and waited over two months to receive a check in the mail. I then received a notice that my account was in delinquent status so I called to follow up on this. I was first told that if I wanted a refund on the lump sum payment I made, then they would only refund the full amount, and I would lose the qualifying payment that was applied. Not only am I out almost {$3000.00} for the payment I made, but when they take on the additional payments to the end of my mandatory qualifying payments, it will likely cost me over {$10000.00} in the end. \n\nThis is only one example of the multiple issues I have experienced. I've found that as many times as I've called, I never get a consistent response to any of my questions. The agents have misled me so many times that I simply can't trust anything they say. It has also become apparent that they have purposefully structured things so you can never reach a supervisor or somebody that has authority to make things right. The business model appears to intentionally wear down the borrower to the point where they just give up trying to get their issue resolved. I've spent no less than 100 hours on the phone attempting to get the issues with my account resolved and have almost never been satisfied with the result. The agents are always nice, they always act as though they want to help, and in the end nothing gets 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": "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/3199669", "source": "cfpb", "group_id": "cfpb/6ef8c55569ac12f51dcd", "variant": "clean", "length_bucket": "long", "chars": 4254, "company": "AES/PHEAA", "date_received": "2019-04-02", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "6ef8c55569ac12f51dcd611915853f8adfdc6ac508b3ef511a781fa1207d52b3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have multiple cases/claims opened on this fraud dispute. This letter is a response to the decision made on the fraud case currently under investigation for the above referenced account ( Case # XXXX ). My last denial letter from Citibank was dated XX/XX/XXXX. The following is the list of disputed amounts : XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$500.00} ), and XX/XX/XXXX ( {$500.00} ), which seems to not be included with the disputed amounts referenced in Citibank 's denial letter, the total disputed is and should be {$3500.00}. I HAVE TRIED TO CORRECT CITIBANK OF THIS ERROR MULTIPLE TIMES! \nSecondly, it stated that in the letter that the case was denied due to Citibank records indicating that these withdrawals were made from my account using my banking card ; this is a false statement as it shows on my records that these were ACH transactions facilitated to a XXXX XXXX which I have NO RELATION to and is NOT A REAL COMPANY. I first went to the bank to notify Citibank of this fraud on XX/XX/XXXX. Without checking the Saving 's account, the representative from the Citibank branch located on XXXX XXXX XXXX XXXX XXXX, NY only closed the business checking account. Meanwhile the fraudulent activity was allowed to continue to occur with my savings account, which stayed open. Since I did not have access to mobile app ( citibank shut it down due to fraud activity ), I was not allowed to see the fraudulent activity until later when I received the statement dated XX/XX/XXXX. By then it was too late and the fraudster made 7 withdrawals of {$500.00}, totaling {$3500.00}. I went to the bank after receiving XX/XX/XXXX statement ( email the digital copy of statement ), I went to branch immediately and closed the savings account. Once I suspected the fraudulent activity was occurring in the savings account from the XX/XX/XXXX statement, I notified Citibank and closed the account immediately, but it was too late as {$3500.00} was already withdrawn from the account. Under Citibanks direction, I was advised to contact XXXX BANK, which I assume to be the recipient bank. I followed Citibank 's instructions and obtained a letter from them which I forwarded down to your fraud team. \nI am APPAULED by the mishandling of this case, I feel as though Citibank is making an effort to NOT assist me in this matter and I feel I am fighting a battle against the person who stole my money as well Citibank which is supposed to help me during this trying time. I was NEVER given a provisional credit while they were conducting their investigation. I really hope you can help me rectify this situation with Citibank so that I can be credited the money that was stolen from me. I look forward to your response. \nThe following are dates that I remember including letters via mail, in-person visits to various Citibank branches XXXX and telephone calls made to Citibanks fraud/dispute department. \nXX/XX/XXXX I received a letter in mail notifying me of suspicious activity to my business checking, this was related to the XX/XX/XXXX check On XX/XX/XXXX I went to the branch and found out that someone tried to write a fraudulent check, which was stopped by Citibank. They closed account and opened a new checking account. \nXXXX. I got another notification a week later with another fraudulent alert from citibank. I went into the Citibank branch located in XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX The customer rep closed the recently opened CHECKING ACCOUNT and OPENED ANOTHER ONE. Customer rep from XXXX XXXX XXXX did NOT check the Savings Account, which had fraudulent activity also because it was not checked we did not close it and it remained opened. Since I did not have access to mobile app I was not allowed to see the fraudulent activity until later when I received the statement dated XX/XX/XXXX. By then it was too late and the fraudster made 7 withdrawals of {$500.00}, totaling {$3500.00}. \nXX/XX/XXXX I went to the bank after receiving XX/XX/XXXX statement ( email the digital copy of statement ), I went to branch immediately and closed down the savings. \nXX/XX/XXXX XXXX form Citibank to reach out to merchant, which I contacted with no resolution. XXXX XXXX XX/XX/XXXX First denial letter with Case ( XXXX ) dated XX/XX/XXXX XX/XX/XXXX - Went to a different branch with a helpful customer representative who notarized a letter I drafted and faxed letter to Citibanks Executive Department . \nXXXX A representative from the executive Department called and collected more information regarding this case. Filed and submitted an official complaint Referral Form to the FBI XXXX XXXX XXXX XXXX XX/XX/XXXX Letter from Citibank with another Denial ( please see letter ) ( case XXXX ) XX/XX/XXXX Spoke to fraud dispute department from Citibank and opened up a new case after denial letter dated 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": "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/6930712", "source": "cfpb", "group_id": "cfpb/1e5a9851f4c9ea1410ab", "variant": "clean", "length_bucket": "long", "chars": 4921, "company": "CITIBANK, N.A.", "date_received": "2023-05-04", "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": "1e5a9851f4c9ea1410ab8690ed2ffdba566597f4d165dc096c71e2da01ee1ac5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was on the platform XXXX XXXX which gave me an alert that I may qualify for a personal loan to you know pay down debt Make a big purchase an alert told me I had a very good chance based on my credit score of obtaining a small personal loan. I am awaiting my employer to pay me for work that I have done but I just needed a little help financially waiting to that point of being paid. I thought, well this sounds easy enough lets try it.\n\nI went through the entire process spending hours putting in my information, lifting my freeze on my credit report, providing lots of documents like my bank statements.. like they wanted the full bank statement not just deposits and credits and debits portion they wanted an itemized bank report My license oh my tax return a lot of personal information like and Im feeling very uncomfortable right now that I went through this whole process I was even told that I was preapproved and then their final decision they came back and said I was denied because they could not verify my employment. Please tell me how you can not verify employment with all the information that I gave them!!! they basically have my whole data file in their servers now ready to sell to someone else Im sure like this seems like a huge scam and it needs to stop its not OK to do this to people.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5898452", "source": "cfpb", "group_id": "cfpb/facf37de0556f763875f", "variant": "clean", "length_bucket": "medium", "chars": 1310, "company": "Upstart Holdings, Inc.", "date_received": "2022-08-19", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "facf37de0556f763875f168a001311e0f442406e64f6dfb794024eae49abf97f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. \n\nXX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # 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/2699899", "source": "cfpb", "group_id": "cfpb/cd28ea6d0ab8a179500a", "variant": "clean", "length_bucket": "short", "chars": 370, "company": "CITIBANK, N.A.", "date_received": "2017-10-12", "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": "cd28ea6d0ab8a179500aa7822a03067304ebd35bd6b7a99aeee6613988670e92", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was purchasing a car through US Auto. I was told that Westlake financial had taken over. There is no contact or a title to get if I continue paying. I could not get any answers from Westlake or anyone else. The car was repossessed on Sunday XX/XX/2023. I am without a car, and my money has went down the drain.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7349060", "source": "cfpb", "group_id": "cfpb/e206ed1886fee55ccc46", "variant": "clean", "length_bucket": "short", "chars": 312, "company": "Westlake Services, LLC", "date_received": "2023-08-03", "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": "e206ed1886fee55ccc468db73cc6017935ef132113a5fb6a38a16f0c6d216c6f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Navient is the worse company for communication. They sent several emails, to which you can not respond to, stating that they have transferred the account to another company. Then the loan repayments were suspended due to covid. However, all during this time Navient continues to call and harrass myself and family regarding repayment. \nThis needs to 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": "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/5285645", "source": "cfpb", "group_id": "cfpb/e6e1dc045d9fd5f4417d", "variant": "clean", "length_bucket": "short", "chars": 354, "company": "Navient Solutions, LLC.", "date_received": "2022-03-04", "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": "e6e1dc045d9fd5f4417d6f8fe0d92fffda0459aab57ddea6e6763dc4999c61e7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello, I am writing to address a concern I have with your bank and your employee. I purchased a vehicle in XX/XX/XXXX and received a vehicle loan from your bank. At the time I was XXXX XXXX  and business was awesome. I made my payments on time until my business reached a financial situation. I then sent my son to college in XX/XX/XXXX in which I had to pay an extensive amount of money out of pocket. During these times I would occasionally speak with XXXX XXXX. Whenever I was late I would speak to her to let her know of my financial situation. In XX/XX/XXXX, I decided to file for bankruptcy, which I listed NCSECU as one of my debtors. In XX/XX/XXXX I made the decision to XXXXXXXX my XXXX. I was going through the bankruptcy for a number of months until I decided to get it XXXX in XX/XX/XXXX. During this time I called SECU several times asking if I could make payments, however I was told each time that I could not due to the bankruptcy still showing. In XX/XX/XXXX, during Covid shutdown, XXXX called about my payments. She threatened to repossess my vehicle if I didn't pay {$2900.00}. I tried to explain to her that I was in a bankruptcy during that time. She did not give me any options as to this payment. It was as if she did not care about my situation. She taunted me because in her mind I did not have the {$2900.00} and she was sure that she would be taking my vehicle. Even during this time of our conversation, she threatened that if I didn't have the payment made by a certain time ( ex : XXXX ) that she would put in the order for repossession. I asked her for empathy because I wasn't working due to Covid, she provided nothing. I had a son in college and the only way I could get him home from school was my vehicle so I pulled the {$2900.00} from a bank account that I did not have with NCSECU. The reason I don't keep money within your bank anymore is because my son had a XXXX XXXX account with you all and there was money in his account, and XXXX pulled that money from a child 's bank account. I had never been so disgusted with a woman ever. How do you do that to a child who works at XXXX XXXX to pay for college. \n\nFast forward to this week, my car was repossesed on last week. I completely forgot the payment. Instead of getting a phone call, I get a repo. I spoke with XXXX and she helped me resolve the issue. I was told that I could not pay a partial amount that I would need to pay the vehicle off in full or I would not be allowed to get my car back. Well again, I went into my bank account that is not with NCSECU to make this payment. This was money that was supposed to be used to send my son to college next week. \n\nHere is my issue with XXXX XXXX. Each time I've spoken with her on the phone she is very rude and nasty with me. I've told her this myself several times and even asked her why does she have to speak with me in this deameanor. I don't deserve any of this. When I went out of work due to Covid in XXXX, I told her. Every time after that when my payments were behind, I told her. My son returned from college due to cover and now my home bills increased, I told her. I had no money coming into my household, I told her. Not once was I offered any repayment options. Please look into my notes and see I was not offered refinancing, a modification, an extension, any type of Covid payment options, forbearance, nothing. My mortgage even offered me a forbearance. Why did NCSECU not offer me any type of assistance during Covid, seeing that I am still unemployed. There are no direct deposits coming to your bank. I advised XXXX of every situation I have ever sustained and not once did she offer me any assistance and especially not during Covid. \n\nWhen I paid hat {$7400.00} payment for my vehicle it was a relief. A relief that I no longer have to deal with rude and mean XXXX again. It was a relief that I don't have to get a nasty phone call from someone that works for your company but expresses no empathy for their customers. I didn't ask for sympathy, what I ask for is empathy. Empathy for a customer who has had several accounts with you for years, started my son 's bank account that I no longer keep money in for him. My mother got my account with SECU when I was XXXX years old and I am XXXX now. My grandmother, aunts, uncle, all have accounts with your bank. Why am I being treated so rudely and not even offered any options that would help my financial situation and allow me to feel some relief as I try to get back on my feet. XXXX XXXX who is my mortgage company offered me many options. My utility bills offered me options. My credit card company offered me options. State Employees Credit Union offered me nothing. \n\nXXXX was wonderful. She saw in my notes that I was never offered anything and stated that I should have. She was patient with me during the process of getting my vehicle and even made calls herself with the repo facility. She offered me reimbursement on my XXXX ride to XXXX to get my vehicle and also made sure I didn't have any out of pocket storage fees. If I had XXXX during my loan process, I am sure my last 4.5 years would have been much better. So thank you XXXX for your sincerity. \n\nI would hope that you look into the clients files that XXXX XXXX has and see how diverse they are. Is she offering her clients options that are available to them. What race of clients does she provide these options to and which does she not. Which age group does she provide these options to and which does she not. Which household median does she provide these options to and which does she not. These are things that need to be evaluated of your employee. I am sure I am not the only customer that has faced these things with XXXX, however I may be the first to reach out. A thorough evaluation needs to be done of XXXX, and although I'm sure your company does yearly standard evaluations, there should be a complete investigation done of all client files. \n\nHad I not been stressed with a business, a son going to college, XXXX a XXXX, and then Covid, maybe I would have thought to send this email sooner. Your employee should have also offered me options the moment I expressed to her my hardship. I have been treated very unfairly. And to XXXX, thank you for forcing me to pay my vehicle off because I no longer have to deal with your harassment and an employee who does not care about their customers. \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": "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/4619107", "source": "cfpb", "group_id": "cfpb/9e49c3fe95021d9f1fe5", "variant": "clean", "length_bucket": "long", "chars": 6416, "company": "STATE EMPLOYEES CREDIT UNION", "date_received": "2021-08-10", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "9e49c3fe95021d9f1fe5018fe2d166fcb81ae1b0d37c2cc2857e0c286b9a98e2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have contacted the company on XX/XX/2021 regarding a debt validation and have not received any correspondence of the validity of the said debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for 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"}}, "_meta": {"id": "cfpb/4789499", "source": "cfpb", "group_id": "cfpb/b05a1c30b09e6f3cdbae", "variant": "clean", "length_bucket": "short", "chars": 639, "company": "ENCORE CAPITAL GROUP INC.", "date_received": "2021-10-07", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "b05a1c30b09e6f3cdbae305b365bdbbf3f4e682c1782efa2db00dc5126f264bb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX XXXX, XX/XX/XXXX in XXXX PA my XXXX XXXX XXXXXXXX  broke down. got it towed to the dealership in XXXX PA to get diagnosed. my engine blew and they couldnt fix it! I had an extended service warranty. They said we could trade it in and I needed to get home to Delaware. \nXX/XX/XXXX I walked into XXXX  XXXX XXXX XXXX, after tripping over there broken sidewalk and injuring my leg. I re-explained my situation and that I have XXXX and I dont have enough meds to stay. I told them my grandmother could cosign for car because I knew my credit wasnt the best but I have no money down because this was obviously not in the plan. So they ran both of our information and it was getting late but they couldnt get anything for me that night. Had to stay in Hotel. My brother drop me off and I scrambled to figure out other ways to get myself home. Seeing if I could tow it? Have my warranty company get it home since they got it to the dealership from when I broke down? The next day I called to check in and still nothing they did not find anything on the lot under any credit union or bank but I got a Were still trying hang in there my XXXX and my XXXX were already spiked from what had happened and that night I had taken my last dose of medication! I felt trapped already I was scared and alone and I just wanted to go home! The next day I called again and I got nothing again! I had friends and family working back home to see what they could do on their end but came up with nothing! I finally received a call about a car they did find and of course they needed my cosigner there so my grandmother had to take a 5 Hour Drive herself. We got to the dealership sat down and we were told I had two options leave my other car for voluntary repossession or trade it in for the only car they found in XXXX XXXX  XXXX with XXXX miles on it and that they could only finance me through their company Kia motor finance. My payments would be {$630.00} a month because of my negative equity on the other car because they only gave me {$6000.00} for it out of the {$13000.00} I owed. I couldnt afford it I know I couldnt afford it but they convinced me that even if they do the breakdown on my engine the warranty company may not pay for it and I didnt have the money out of pocket if that was the case either and then I would really be stuck. I had a XXXX XXXX XXXX. Me and my grandmother both looked at each other realizing we had no other choice it was either this or have a voluntary repossession on my record! We had to get home and I needed to get to work every day. We signed the papers we were there until XXXX. before we left there was another thing they needed before they could finish the deal or it wouldnt be complete. They needed my grandfather cosigned on my XXXX  XXXX  to come back up with us the next day to sign it over to them! We explain to them that hes too sick to make that drive, After arguing with them they agreed to let us leave on a dealer plate and they would come down to our house tomorrow to have him sign the papers but if he refused they would take the car back and we would have to figure out another way to get the other car here! XX/XX/XXXXXX/XX/XXXX got home they called us and said instead of coming today meet us in XXXX tomorrow Saturday, XX/XX/XXXX to sign over the rights to the rights to the XXXX  that one of their guys would be there and where to meet us! Upon doing so the man switched my plates and away we went. The whole thing from the beginning didnt feel right but I didnt know what else to do. In the months to follow more information popped up about this entire ordeal we later found out that before we sign the rights over to the car they fix the engine under the warranty before it was theirs to do any work on and I did not give them permission to do so! Afterwards they sold it and made a profit. After explaining that I was going through a financial hardship due to my health and other factors several times they refused to work with me until I paid 6 consecutive months of payments. So I just kept giving me what I could, and now they want to repossess the vehicle!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5958929", "source": "cfpb", "group_id": "cfpb/5a327c7435aa22a79663", "variant": "clean", "length_bucket": "long", "chars": 4117, "company": "HYUNDAI CAPITAL AMERICA", "date_received": "2022-09-07", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "5a327c7435aa22a796637b69cc9f047c7cc9b2dad156d4f54ceae773be003b69", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am submitting errors and questions regarding my mortgage for which I have been paying on for 20 years, with 10 years remaining. I feel threatened that the servicing agents are doing their best to take my home from me. I need any assistance you can give to me. I thank you in advance for anything you can do to aid me in the protection of my home. \n\nI have been sending files to Shellpoint to give them the opportunity to correct changes to my statements that make no sense to me. They fail to provide me with sufficient proof of no wrong doing. I am enclosing all that I have worked on to date. I have enclosed all cover letters. I was not sure if I should send copies of all statements and records mentioned In the cover letters since there are so many. So including only those that are mentioned. However I am able to send more if you need them. \n\nOn XX/XX/XXXX XXXX XXXX sent an email that Greentree rejected my mortgage payment That I resubmitted to Shellpoint, not Greentree, because, I had discovered a credit to my bank account for {$680.00} with no explanation for the reason why, so to be sure I was credited a payment I resent another payment even tho the check had cleared my bank. Greentree Did in fact cash the payment I had bill payed for the XXXX payment, in XXXX. The resubmitted payment was not sent to Greentree, I sent it to Shellpoint. I then emailed Shellpoint that it was rejected and they somehow intercepted the rejection or XXXX XXXX realized it was not Greentree after all, and was then accepted and then processed. Enclosed : please find XXXX Transactions and email to Shellpoint dated XXXX XXXX. Along with an email FROM Shellpoint acknowledging the email from me. 3 pages all dated XX/XX/XXXX, XXXX also enclosed, bill pay to Greentree XXXX showing on XX/XX/XXXX proof of XXXX payment made and accepted, then a return on the XXXX of XXXX almost a month after they recd and processed my XXXX payment. Then bill pay to Shellpoint with first payment made on XX/XX/XXXX, the payment mentioned above made to Shellpoint NOT to Greentree. \n\nEnclosed is payment history from Shellpoint. Showing payments recd about 10 days after they cleared my bank account. Which will show on my bill pays mentioned above. The lateness of posting these payments to my account have lowered the principal credit considerably, see the XXXX and XXXX payments to see the discrepancies, with no principal credit at all on the XXXX payment that was cashed and then later credited back almost a month later. \n\n*****On XX/XX/XXXX, I received a reply letter from Shellpoint regarding correspondence that has been going on since the refusal of my mortgage payment. They have been corresponding by responding to my questions, yet giving false information back, I have done all I can to make them aware I am aware of the discrepancies on my loan. Now they reply in such a way to imply they have not control over my loan until they took over in XXXX. In my understanding any company that takes over a loan must adhere to the terms of the original agreement, making them now responsible to make my loan status correct to date. ENCLOSED IS THAT LETTER DATED XX/XX/XXXX. \n\nNow my question is, IS Shellpoint simply once again just a name change and not a transfer to another servicing agent? As before, Conseco to Greentree to Ditech, now to Shellpoint. IF so and they are a name change, the XXXX payment has discrepancies that caused a principal credit not to be applied and shows me late paying. I have enclosed an address for all of them over the years. Enclosed See Addresses.. Also notice an Attorney in XXXX Michigan that has the same address as correspondence I am receiving through Shellpoint with no name on the form, that is a foreclosure Attorney. I remember an attorney from XXXX Michigan when I had Conseco as my servicing agent, if this is the same attorney, then yes Shellpoint is connected with Conseco. I feelings is they were trying to refuse payment claiming I was behind so they could repossess my home. I am under the impression they refused payment trying to foreclose on me. But my records and correspondence showed them I had proof of my payments and foiled that attempt to foreclose. Once again leading me to believe this is a name change only in mortgage servicing agents, and they are trying to hide that fact. \n\nXXXX found searching thru XXXX search : see Enclosed Received on XX/XX/XXXX from (? name not given ) XXXX XXXX XXXX XXXX Mi XXXX. Looking online research this is where I found the foreclosure attorney. Attached forms are for Shellpoint welcoming letter and forms, dated XX/XX/XXXX, that I was not made aware of prior to this notice being receive on XX/XX/XXXX. Which is confusing as to no notice coming to me prior ,XXXX to the XXXX payment being due. Was this a deliberate attempt to make me late with my payment? Yet it states first payment due XXXX XXXX : SEE ENCLOSED COPIES Marked recd XX/XX/XXXX. \n\nThe last file I am sending is the Last mailing I sent to Shellpoint and I am enclosing ALL documents I sent in to them.. This is the file they replied to that I marked recd XX/XX/XXXX, just above that I placed stars ***** in front of. \n\n\nJust my further concern as to what is happening to my account : Simple interest loans should be illegal, it is not explained in the original loan. A simple interest loan would NEVER be paid in full, creating a balloon payment at the end. If you pay on time your late, and receive no credit towards the principal balance, because if payment is made 34 days apart your always paying interest only. You would need a full list of my payments to see how this has been done to my account. ( I do have a copy from Greentree and one from  Shellpoint of their records of my payments, but I was not sure if I should upload this as well, so did not, but can send if needed ) Fortunately I discovered this early on in my loan and adjusted my payments to 20 days before my actual due date. However they still applied payments way after I paid, so they could adjust the principal to less than actually paid. \n\nBalloon payment, nothing on my loan mentions the possibility of a balloon payment. I have discovered a clause on Shellpoints contracts that do mention a balloon payment. You will find as you go over my records I am sending that servicing agents have fraudulently made charges to my account and deferred amounts to the end of my loan which would in fact cause a balloon payment, which would be due upon the end of the loans contracted due date. No way a senior would be able to pay or obtain a loan to pay at the age we are at the time of the final payment. While they can not change my original contract, there is NO mention of a balloon payment and if they successfully add payments at the end, I will be forced to pay or lose my home. So if they can not foreclose as it appears they have been trying to do, they will then force a balloon payment on me, causing me to lose the home one way or another. \n\n\n\nAs I mentioned at the beginning of this correspondence I do have more that I can share. But with what I have already sent this time was afraid to overload you with more. \n\nI do not know if I have covered this well enough to show my problem but I did what I felt was needed to show the discrepancies that have occurred and the failure to recd adequate support in dealing with this matter. \n\nI await further instructions on what I need to do to go forward with this matter. \n\nThank-you in Advance and I appreciate anything you can do to help me keep my home. \n\nThere is another payment to go out on XX/XX/XXXX, which at this point I do not have records to upload. And all future payments will be sent every 3 weeks from this point 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": "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/3873223", "source": "cfpb", "group_id": "cfpb/c05b5f58e5cfba0b59d6", "variant": "clean", "length_bucket": "long", "chars": 7708, "company": "Shellpoint Partners, LLC", "date_received": "2020-09-30", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "c05b5f58e5cfba0b59d68c48183631ba613a1eddb134018e30ac7308233996d3", "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, On XX/XX/XXXX at XXXX I received a phone call on my cellphone. When I looked at my cellphone it said \" Mom and Dad '' which is my parents home phone number calling me. I answered \" Hello '' and I heard crying, sobbing and sounds of shuffling in the background. A male voice said : '' Yeah, I got your mom and I got a XXXX to her head and if you don't do what I say, I'm going to blow her XXXX brains out. I just got out of jail, I need money to get out of the area. Do what I say and I won't shoot her. '' I asked the man where my dad was. He answered \" Don't you worry about him, he won't be saying anything to anyone any more. And you need to tell this XXXX to stop moving around and crying before I start beating her XXXX. \" I begged and I pleaded and I begged and cried and pleaded to please not hurt my mother.He told me to place the phone on speaker and told me \" I'm looking out the window if I see any police movement or I hear you trying to pull any funny XXXX in the background I'll blow her XXXX head off. You need to send me some money. \" I begged and pleaded and cried for him to please not hurt my mother. I asked him how much he needed and he said {$900.00} \" You need to send me {$900.00}. '' I asked him how I was supposed to send him any money. He said \" Don't worry I'm gon na tell you what to do, you gon na do it or she's dead '' For 55 minutes I was subjected to this terror, trauma, and horror. I literally felt like the XXXX was to MY HEAD THE ENTIRE TIME. My mother 's life was in my hands, she had a XXXX to her head and I felt like I had one to my head. \nAll the screaming, crying, begging and pleading caused my XXXX year old son to wake up. He came to me and I put my finger to my lips for him to be silent and I started writing on a piece of paper info and directions for him ( pictures attached ) as this man on the phone gave me directions of what he wanted me to do. My son heard the crying and sobbing in the background. I saw the terror and tears coming to his eyes. My son called XXXX on his cellphone from the basement. He came upstairs at one point for officers to hear this man and what he was saying.\n\nThru these 55 minutes this man walked me thru XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX to send money. ALL THIS TIME THE CRYING AND SOBBING continued in the background and my heart was breaking for my mother. \n\nThru his direction, he told me what to do.. My credit cards started to flag fraud and no additional money or money could be sent. He ordered me to send the money thru XXXX, the initial amount of {$900.00} to a phone number he provided, he told me to press that this was a friend or family that I knew, that it was the only way the money would be able to go thru and to \" remember I got a XXXX to her head '' a XXXX to my mother 's head and what felt like a XXXX to my head. The money was sent by fear, force, unwillingly when you feel you have a XXXX to your head and your mother had a XXXX to her head what is a human being to do. My heart and mind were in shambles knowing I was forced to follow directions and this evil of a man may still XXXX  my mother.I begged, I yelled and pleaded \" You got what you need, you got the money you asked for now go! Leave my mother! GO! \" My son at this point said police were on their way to my parents home. \nHe demanded more money. I told him I'm a single mother and I do not have money like that. He directed me to send another {$100.00} thru XXXX. I told him I couldn't do anymore and please just to go so he had me use XXXXXXXX XXXX and had me load a credit card ( XXXX XXXX ) and walked me thru sending {$100.00} increments to yet another phone number. My card flagged and I told him I couldn't send any more. \" YOU GOT WHAT YOU ASKED FOR NOW GO!! \" I yelled \" I CAN'T DO ANYMORE! \" His response : \" XXXX it, she's done '' and he hung up the phone. I fell to my knees yelling and my son came to me, holding me and crying. Minutes following I received a call from my mother 's cellphone. Police officers were at her home. This was fraud and a scam. This person posed as someone who had my mother in their custody to get money from me.I have no idea who the person associated with the phone number is and the money sent was a XXXX to my head, unwillingly, forced, and directed thru fear of death. \n\nPNC Bank was contacted that very morning around XXXX. I spoke to PNC Bank representatives XXXX, XXXX and XXXX ( which was the day my dispute was filed because I was advised by PNC representatives that funds had to post ). I have spoken to multiple representatives at PNC Bank on multiple days and occasions. I requested a reopening of my case/dispute and provided PHYSICAL EVIDENCE ( police report, paper I used to write to my son to call the cops, etc. ) and this narrative on or around XX/XX/XXXX. At that time I spoke to an assistant manager of the PNC branch on XXXX XXXX in XXXX, Maryland. I had hoped that PNC Bank would reconsider their initial decision in my dispute but have gotten no resolve with them. Both letters I received from PNC stating that the dispute was denied claimed that the transaction was performed as requested thru XXXX. I feel that PNC has not looked into this situation to see that this man was fraudulent and I was FORCED to send the money, this transaction is part of a criminal investigation!! They have the case number and police report. Police have sent supeonas for bank records. How is this dispute being denied?! I 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"}, "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/4123097", "source": "cfpb", "group_id": "cfpb/91a82480605e02b360ab", "variant": "clean", "length_bucket": "long", "chars": 5481, "company": "PNC Bank N.A.", "date_received": "2021-02-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "91a82480605e02b360ab499881585d5697aa419ac1a5b441b7f4a62947e6711c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My account with cashapp was breached and my money was stolen despite the fact that i notified their team of suspicious activity and took steps such as changing my ohone number, email and other personal information so that they wouldnt be able to access my account again. Despite this, less than 24 hours later my account was breached again and they took all of my money.\n\nThe only information they have been able to give me to this point was that they were looking into and that i need to wait. \nThey refused to connect me with anyone who can gibe me any actual information pertinent to the investigation claiming that they dont have phones that a call can be transferred to or that i would just be receiving the same answer. \nOn top of this my money was deposited into an acxount held by XXXX XXXX  which, from what i can tell, is not an actual bank that regular people are able to open accounts with which leads me to believe that someone within their company/organization are responsible for 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": "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/6970251", "source": "cfpb", "group_id": "cfpb/0d8f292599f10780378a", "variant": "clean", "length_bucket": "short", "chars": 1000, "company": "Block, Inc.", "date_received": "2023-05-12", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "0d8f292599f10780378aaed0c4e55a9ca3a74cec3315caaa01ab2b4ca1ad5ac1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My loan was changed from XXXX XXXX to XXXX and I applied for the SAVE program in summer of XXXX and they never processed it. I have filed numerous complaints with the CFPB and the government about this. Now Mohela took over the servicing of my loan I spoke to XXXX on XX/XX/XXXX about my bill coming without any SAVE program enrollment. Mohela is required to get all of my information from XXXX and or the Federal government and they have failed to do so and keep billing me. I told them under XXXX 's rulings, they have to put me in administrative forbearance until they process my SAVE loan. I also updated my income with XXXX before Mohela took it over. Neither XXXX nor Mohela has processed my SAVE application which is illegal to this date and neither had put me in administrative forbearance until they do, which is required under the XXXX administration. Now I am getting late notices for a student loan payment which is illegal on two counts, one it is not processed under the SAVE program ever by either student loan company and two it is not in administrative forbearance. I want something done now as they are required by federal law to enroll me in the SAVE program and put me in such administrative forbearance. I warned XXXX who I spoke to on the phone to not pull any scam and he did. As he did not do what I asked him to do and all calls are recorded. It is illegal that neither student loan company processed my SAVE application and I provided documentation of my income over and over. So they are playing games and refuse to cooperate with one another and sending me illegal bills and not putting me in administrative forbearance. I am not getting emails from the Department of Education because of this trying to charge me late fees. \" Federal Student Aid Reminder That Action Is Needed on Your Federal Student Loans Hi Samone, Be sure to stay on track with future loan payments.\n\nA New Action You Can Take To Avoid Late Payments Set up auto-debit. Auto-debit ensures your loan payments will always be on time. If you set up auto-debit, you may be eligible for a 0.25 % interest rate reduction.\n\nContact your loan servicer to set up auto-debit.\n\nFind Your Servicer I demand that Mohela process my SAVE application and get all necessary paperwork from XXXX and or the DOE and immediately put me in administrative forbearance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8770172", "source": "cfpb", "group_id": "cfpb/9af33fb22593a45ec8cf", "variant": "clean", "length_bucket": "medium", "chars": 2343, "company": "MOHELA", "date_received": "2024-04-14", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "9af33fb22593a45ec8cfcccfdc793d40a2e62a622b27dba8c57ea272c4a71144", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Equifax has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3553243", "source": "cfpb", "group_id": "cfpb/dac2d74f14237cbd64e8", "variant": "clean", "length_bucket": "medium", "chars": 1267, "company": "EQUIFAX, INC.", "date_received": "2020-03-04", "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": "dac2d74f14237cbd64e831434ec534d21450105389be9b2177dce10e834f5629", "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 Chrysler capital received a check in the amount of {$42000.00}. Chrysler capital cashed the check on XX/XX/XXXX. Since then I have called over XXXX times and have been given several different reasons why they have not closed my account. Ranging from were waiting on accounting to we need more documentation then at one point Chrysler capital said they would not talk to me about what they need but that my insurance must reach out to them. After that interaction XXXX weeks ago they stated that they were waiting on accounting. The final call on XX/XX/XXXX the insurance department said they have no proof of the check and never received it. Despite being faxed 2xs to them. Every single time I call I get a different reason and excuse.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8279441", "source": "cfpb", "group_id": "cfpb/e03fc42079fa518729fe", "variant": "clean", "length_bucket": "short", "chars": 750, "company": "SANTANDER HOLDINGS USA, INC.", "date_received": "2024-02-04", "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": "e03fc42079fa518729fece0761f6ff2a4343f48583fe1e6e81a067b0f10ad7d7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX This is formal notice to the Consumer Financial Protection Bureau ( CFPB ) reporting the fraudulent credit accounts opened in my name at Wachovia and Wells Fargo - these accounts included among other things : a {$25000.00} credit card, a {$40000.00} overdraft protection account. The XXXX overdraft protection account \" equity line of credit '' account used by Well Fargo to defraud me out of nearly {$400000.00} in payments and late fees and penalties - specifically detailed on the attached Statement and XXXX report summary, including : 64 Cash Advances - Totaling approx. {$220000.00} 335 Overdraft Advances - Totaling approx. {$230000.00} Many Finance Charges - Totaling approx. {$10000.00} 19 Bank Penalties ( categorized as \" new purchases '' ) Totaling approx. $ XXXX XXXX Late Fees - Totaling approx. {$2200.00} 2 Bank Payment Adjustments - Totaling {$1700.00} 10 other account garnishment - Totaling {$11000.00} These facts were reported to Well Fargo over and over again. They failed to take action on the account worse the bank never even responded to such claims. Yet they continue to pursue foreclosure, garnishments, pursued back fees and made purchases ( to hide penalty and fees ) knowing the prior dispute were never reconciled and the account was opened without authorization. To document my claims I filed a police report and a notice to the internal revenue service for potential identity theft and bank fraud, I also filed a complaint with the CFPB. \n\nRecently I received a letter from Wells Fargo dated XX/XX/XXXX stating \" As a part of our commitment to make things right for customer ( letter attached ) and the bank enclosed {$150.00}. I appreciate the acknowledgement of the damages incurred they fell short on the damages created. That said the bank finally released the deed in XXXX and sent me a copy last week, however all the fees and penalties were never reimbursed and they remain outstanding. \n\nSome background : In XXXX Well Fargo claimed the overdraft account liked to a already stratified security deed attached to my prior primary residence in XXXX one by which I had closed in XXXX and moved. The primary reason the account was close other than I paid in full, and hat I was moving from the property and it was required to close per the original loan contract. At the time I formally wrote the bank ( XXXX XXXX VP Private Banking at the time ) confirming he account was paid and closed in XXXXto and the deed and forward to my new home ( XXXX XXXX XXXX XXXX ). In fact the bank loaned me more money ( {$220000.00} ) for the new home line of credit. Again, these are important detail as the security deed contract detailed the equity line loan must be paid and closed if the property is no longer the primary residence.\n\nSome Reference - During this time period there was the financial crisis going on in the US, Wachovia filed for bankruptcy and became Well Fargo. It was Well Fargo that became the aggressor and I was unfortunately was in the cross hairs as they claimed an equity line opened in XXXX was now due in XXXX. I immediately and raised concerns of the mistake, unfortunately my original contact at the bank left during the crisis. At a number points while the bank was pursuing me I ask the bank formally to produce a complete account entire detailing the account back to original contract and they failed to do so every point, ignoring every request for documentation. Also important is the said fraudulent Wachovia Wells Fargo security would have been in 3rd position on a property and notable without sufficient equity to cover any such 3rd mortgage. What was worse is that account had already been reported to the bank as fraudulent and I filed an identity theft claim as several credit accounts were being opened up my SS # the bank failed to take any action.\n\nWhat is very clear, I never created the accounts and they were without my form of authorization or any documentation supporting an application for approval of credit when he bank failed to respond, I contacted local police as well as other federal agencies ( FTC and IRS ). The overdraft protection account becomes the vehicle by which all my saving and retirement funds were taken from me - this unauthorized overdraft protection account was also attached without authorization to several other checking accounts of mine - worse as detail on the bank statements, were designed to be impossible to tract where funds were going - specifically the bank used a 16 and 17 digits reference # ( the reference numbers were a mixture numeric and alphabetic letters ) to prevent me from tracking the activity quickly. The statement stated you would need to write the bank to uncover where the funds were going. \n\nWhat appeared to be a harmless overdraft protection account when the account was opened in. XXXX turned out to be a scream in my case the bank used the account with the objective to max out the credit line and ideally keep it maxed and hide the data. No matter how much I voiced my concerns the bank took zero action to investigate.\n\nAgain in XX/XX/XXXX the bank would call the loan, claiming a balloon payment was due. When I communicated again there was fraud on the account, the bank had no interest and took no action to investigate. I filed a police report and contacted a bankruptcy attorney as the bank continued to harass me and further began sweeping my other business and personal accounts - the lawyer reached out to the bank failed to initiate a settlement or a restructure of the loan. When the bank decline or respond to workout agreement the attorney stated a \" stay '' necessary to prevent foreclosure on my home knowing a bankruptcy would permanently ruin my excellent and extensive credit. \n\nThe bank continued to damage my by harassing me daily with numerous phone calls and threats - at times the collection agency was literally screaming at me through the phone \" WE WANT OUR MONEY '' the bank also jeopardized my ability to pay any obligations while they simply removed revenue from my other accounts very aggressively, as well as actively pursue foreclosure on my home the bank recklessly sweep out nearly {$11000.00} from the checking accounts. The bank willfully took all the revenue I communicated was earmarked to be paid to other financial obligations such us medical expenses, food and my primary mortgage. The bank did all this even while I remained in dispute of the legitimacy of their claims. \n\nVirtually every nasty technique surrounding this overdraft protection collection activity was implemented unnecessarily and potentially fraudulent. The bank over reached at every turn from how the account was opened without authorization to the bank implementation of auto payment to multiple unidentified accounts \" without authorization '' to the applying random over the top penalties to advanced collection attempts and from they moved and aggressively attempted foreclosure. All this effort attached to a property that I had move out of more than 6 years prior, thereby breaching their own contract. \n\nIt was reckless and abusive and without any regard for me or my family as the banks moved more than {$400000.00} in saving and retirement funds through the account - just from this 1 overdraft protection account the bank ruined by credit profile for the rest of life and I nearly lost my house as the bank used the account to leverage all my saving. The fact the bank tactics of pursuing me was to literally take all the revenue out of my accounts - all this occurred while the bank was on notice that the account was being investigate for fraudulent bank activity and theft, by the bank. \n\nMy attorney suggested a good faith attempt to avoid bankruptcy, he offered Wells Fargo a very generous settlement or that account be refinanced anything, anything the bank could to do to get the account in a workable solution. To my surprise the bank denied all the request, so I were forced to seek the necessary bankruptcy protection. Worse even after the bankruptcy cleared Wells Fargo reinitiated another attempted to me via foreclose - once again attempts to settle were submitted to protect the property all denied and thereby triggering a second BKO. \n\nAll these tactics were implemented by the bank even after the bank failed produce the necessary documents that support the account was secure by the said deed at the county. It fact Well Fargo in a letter to me communicated. Later in XXXX the bank stated they were unable to produce the account history supporting the account was secured to a security deed, but yet still never worked toward a resolution or at least release the security deed. That said, last week I receive the notice of release. \n\nDespite all written communication, legal representation and all the necessary documentation that supported our position that the bank had made an error by claiming the accounts were secured by a deed - there clearly was a mistake. Later it uncovered many credit accounts were opened fraudulently by the bank and the process and tactics to collect used by the bank were unbelievable abusive and in some cases criminal. \n\nNot only had the bank moved to have my property foreclosed to pay off XXXX ( of which more than XXXX was in penalties and late fees ) - they also reported the account to the credit bureau 's notable while the account remained in dispute / further damaging me. \n\nIt is my hope that we can finally reach a reasonable resolution to make things right. \n\nSincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia 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/4638429", "source": "cfpb", "group_id": "cfpb/75648ac9e2a8a57931b7", "variant": "clean", "length_bucket": "long", "chars": 9557, "company": "WELLS FARGO & COMPANY", "date_received": "2021-08-17", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "75648ac9e2a8a57931b7dbf89734a23f71332c8407724d32540f594c703ec2fe", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Call Recordings Attached, history with PayPal attached, and offer that I was denied for that I meant the requirements for. \n\nOn XXXX XX/XX/XXXX I applied for PayPal Working XXXX XXXX  for small businesses. The requirement are as follows : To be eligible to apply for PayPal Working XXXX, you must ( I met this advertisement ) : -Have a PayPal Business or XXXX  account for XXXX  days or more -Process at least {$20000.00} in annual PayPal sales if you have a XXXX  account or at least {$15000.00} in annual PayPal sales if you have a Business PayPal account XXXX \n- Pay off any existing PayPal Working XXXX XXXX I applied and I was denied even though I mean and superseded the requirements. \n- I have had a PayPal business account for three years - I have processed more than {$20000.00} in annual PayPal sales and more than {$15000.00} - I have a Business PayPal account - I do not currently have a loan with Paypal at all. \n\nI spoke to the representatives from PayPal customer care over the phone on XX/XX/XXXX and XX/XX/XXXX. The representatives said even though I meet all requirements they were still not able to extend the loan to me. \n\nI called to find out why asked why ( we record our calls for quality as well ) : 1. The first representative ( XXXX said on XX/XX/XXXX ) said : \" You met the minimal to apply, but its declining you because the way the sales are coming in and because you don't have a lot of unique transactions and then goes on to say because my income is different every month even though is met the annual requirements. '' - He then said you are welcomed me to apply to another business loan PayPal Business Loan : This loan had harsher requirements that I would not meet or be able to get approve for or would be very hard on my business. \nPayPal Business Loan Requirements compared to the loan above : - Lesser loan amount to be approved for. \n- Weekly repayment terms.\n\n- Higher Interest Rates -Harder to get approved for because it had a credit check -Higher annual sales revenue of {$33000.00} required -Longer wait time to be funded -Longer time required as an account Holder. \n\nPayPal is directly violating the following as defined by CFPB : -12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) ( please see ) XXXX Special purpose credit programs. \n- 12 CFR Part 1002 ( Regulation B ) 1002.6 Rules concerning evaluation of applications.\n\n( please see ) ( b ) Specific rules concerning use of information.\n\n* Cited from PayPal Working XXXX  FAQ : Apply with Bank or other Account Info : ( screenshot attached ) I see an option to share my business bank account information when applying for PayPal Working XXXX. What is this? \nYour PayPal Working XXXX loan decision and offer are primarily based on your businesss PayPal account activity, including the sales you process through your PayPal account. However, we understand that you may process significant sales outside PayPal. If you choose to share your business bank account information when you apply for PayPal Working XXXX, and if your application is approved, you XXXX receive a higher loan offer based on the additional sales you process in your bank account. \n* My experience on both calls : Went I applied for this loan the option to provide my Quickbooks account or additional revenue details was never made available to me ( during the loan process or after when I called ) and I let them know this is where the the majority of my income comes from, yet it is available to certain applicants, but not to me. \n\nI called again on XX/XX/XXXX and tried to get answers again. \n2nd Representative : The system wants to predict sales and he said I also ask to go to the more traditional loans with higher interest rates and a credit check.\n\nSupervisor Call ( XXXX XXXX on this day XX/XX/XXXX : Said it was a temporary decline it could change and asked if I saw anything about adding a bank. ( I did not see it ). She too offer the other loan with the higher interest rate and credit requirements. \n\nPlease listen to the calls and review cited information and 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/7651212", "source": "cfpb", "group_id": "cfpb/5f23df5945e6e41f8f38", "variant": "clean", "length_bucket": "long", "chars": 4071, "company": "Paypal Holdings, Inc", "date_received": "2023-10-05", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "5f23df5945e6e41f8f388127f1be57f13f23f5cd151cb7828d66b0465f2b595a", "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 I applied for a mortgage on XX/XX/XXXX through Navy Federal Credit Union 's online portal which I authorized a hard credit check. \nOn XX/XX/XXXX I called Navy Federal Credit Union to follow up on my application, on Monday XX/XX/XXXX I did not authorize an additional credit inquiry of any time during my conversation with the loan officeXXXX, on XX/XX/XXXX I noticed on my credit report two hard inquiries from Navy Federal Credit Union, one dated XX/XX/XXXX ( authorized ) and another one dated XX/XX/XXXX that was not authorized. I have attempted to speak to someone at Navy FederaXXXX multiple times to resolve the illegal credit pull on XX/XX/XXXX without a manager call me back, customer service personnel transferring me without speaking to a manager. \nI did not authorize the additional credit pull and would like Navy federal Credit Union investigated. \n\nThank you for looking into the 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": "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/5178681", "source": "cfpb", "group_id": "cfpb/82d693e86105a793c82c", "variant": "clean", "length_bucket": "short", "chars": 925, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2022-02-02", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "82d693e86105a793c82cc07692f5accfdaab310140224c5f386edcd95df7149d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.", "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": "negative_or_legal_action", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/1932660", "source": "cfpb", "group_id": "cfpb/d93498c96c0024ee950c", "variant": "clean", "length_bucket": "short", "chars": 310, "company": "Radius Global Solutions LLC", "date_received": "2016-05-19", "product_raw": "Debt collection", "issue_raw": "Taking/threatening an illegal action", "sub_issue_raw": "Sued w/o proper notification of suit", "text_sha256": "d93498c96c0024ee950c3a103e4928ff8daee41c50342ceb3c1fbbf08fdcc1e9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. \n\nI just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. \n\nThere is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. \n\n\nCredit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO - PAYMENT XXXX XXXX On Time CO Charge off - Data Unavailable", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6324346", "source": "cfpb", "group_id": "cfpb/a18a7b42f059ac95670f", "variant": "clean", "length_bucket": "short", "chars": 1034, "company": "CITIBANK, N.A.", "date_received": "2022-12-15", "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": "a18a7b42f059ac95670fa4ada2c0dcbf984fc3dab733125d0526ad5465cf480f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/XXXX Student Loans On XX/XX/XXXX, I was contacted by National Enterprise Systems ( NES ) by XXXX XXXX about my defaulted student loans. She informed me that it would be good to go into rehabilitation for 9 months to get my student loans out of default status. She asked for line 1 of my XXXX  ( I had two of them ), and she would calculate how much I would owe each month for the next 9 months to get my loans out of default status. The amount was for around {$88.00} and I agreed to this and paid the first month. I also scanned and emailed in a copy of the two XXXX that I had. \nAbout a week later on XX/XX/XXXX, I received a call from a XXXX XXXX who informed me that after receiving the XXXX, they realized that I made approximately {$1000.00} more than first thought. I asked how that was possible since I went over my XXXX with XXXX and she did the math to show how much I had made. He alluded that somehow the math was done wrong and that I would have to start paying about {$98.00} a month, but they would take the first payment of {$88.00} as the first month, however all payments here on out would be {$98.00}. I asked him to explain the discrepancy, since I followed all what XXXX. XXXX asked me to do. He could not/would not explain it and only stated that if I wanted to stay at {$88.00}, they would put me in a new type of program and I would have to start over, but if I agreed to pay the {$98.00} a month, it would continue for the next 8 months to get my loans out of default status. Thus, I agreed and arranged to start paying the new amount of {$98.00}. \nThe following week, XXXX XXXX started calling me repeatedly every day, harassing me while at work. When I finally spoke to XXXX. XXXX, she explained that the first payment of {$88.00} would NOT be used as the initial payment, since I was now changed to {$98.00}. They would take the initial payment of {$88.00} and put it towards my loan ( without my approval ) and my rehabilitation would start over with the new amount. I told her that I was not told that by XXXX, and this is the second time that my information has been changed. She could not explain it and sent me over to XXXX to speak to him. He became irate quickly as I was asking for an explanation for the changes and said that the decision was made by administration above him. I asked to speak to whomever is the decision maker and he said I could not, and the only person I could speak to was escalation team. He tried to send me over to them and just hung up on me. \nI called back, spoke to XXXX, who then sent me to the escalation services. I spoke to XXXX XXXX and she first tried to explain to me the same thing that XXXX explained. She then looked over the XXXX  that I sent in and stated that it looked like they took the information from box 5 instead of box 1,  which held tips, Medicare, etc. which raised the amount I made an additional {$1000.00}. I asked her why would they do that when the first person I spoke to ( XXXX ) used box 1? She could not explain, but instead asked me to send in my XXXX  from XX/XX/XXXX and she would look at that and possibly be able to lower my price again. I told her that at this point, XXXX gave my misinformation, XXXX gave me misinformation, and know she ( XXXX ) was changing the information again. I told her that I was not comfortable with all the changes that were happening every week and wanted to find out more information about my loan. \n\nDuring my first conversation with XXXX, she stated that the loans where with XXXX and XXXX XXXX. As I checked my credit reports, it has the same loan being reported derogatory by three different companies for the same loan XXXX XXXX XXXX/XXXX, XXXX, and XXXX XXXX. XXXX XXXX XXXX/XXXX and XXXX are reporting paid and closed, and XXXX XXXX are reporting derogatory on XXXX and XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXXXXXX are reporting paid and closed on XXXX. When I called the XXXX XXXX XXXX, they stated that XXXX does NOT have my loans, that XXXX XXXX has it and to call them. I was dealing with XXXX XXXX a few months ago, I asked about a settlement, the person said he would ask and get back in touch with me. I never heard back. When I called XXXX, they said they have the loan, but would not take any payments, that I would have to go through NES, they did not mention XXXX XXXX at all. When I spoke to XXXX XXXX XXXX, I explained that I just wanted to verify who had my loans and how I can get them paid ( settle or monthly ) and at this point, I am getting the run around and told to call someone else. Also, all three companies should not be reporting on the same loan at the same time. They told me to call Oh Budsman a third party group that deals with problems with student loans. \nI called Oh Budsman and spoke to a woman there. The woman stated that I should contact the escalation team at XXXX and get to the bottom of it. She gave me the phone number of XXXX but when I called the number, I got the same automated information that I got the first time I called. I called at XXXX PST, and the company said it was closed and hung up on me. I called Oh Budsman back and spoke to another woman. They said they would email XXXX XXXX on my behalf and if I do not hear from them I 7-10 days, then I need to call Oh Budsman back. \n\nBasically, I am getting the run around. I am trying to figure out who has the loan, get it out of default status by paying monthly or settling the account. I keep getting harassed with phone calls from NES and when I answer, I am getting misinformation and told something new. They are penalizing me for following instructions given to me on day one. I have been dealing with my student loans since early XX/XX/XXXX. The 2 loans where supposed to be deferred until XX/XX/XXXX while I was in college but defaulted in XX/XX/XXXX. Since then, I have tried to handle it by settling or trying to pay, but keep getting misinformation, or not being contacted at all for months while they add interested to the loans.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2865862", "source": "cfpb", "group_id": "cfpb/e79101664f5c065b0b2c", "variant": "clean", "length_bucket": "long", "chars": 5989, "company": "National Enterprise Systems, Inc.", "date_received": "2018-04-05", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "e79101664f5c065b0b2ca4ddeb2de45487600896e09e9bf6b28f93df6f0fe226", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I asked to skip a payment because I had car issues, the granted me the wish, when I made next payment of XXXX, none went toward loan what so ever, they never mention this to happen, I also asked them to lower interest rate from XXXX percent to something more manageable, was told could not, I either want the money back I paid that did it go for loan, it out it toward the loan", "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": "unexpected_fees", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6122002", "source": "cfpb", "group_id": "cfpb/fa9bd3fb86396d200bec", "variant": "clean", "length_bucket": "short", "chars": 377, "company": "PENTAGON FEDERAL CREDIT UNION", "date_received": "2022-10-24", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "fa9bd3fb86396d200becf1b1847cd087394d20e4c5c98b88614cbcfa1bc410e7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hello -- In XX/XX/2023, I closed a saving account with Chase bank. When I went to access those records in order to complete my taxes, they had disappeared. Chase claims that I am not entitled to those records once the account is closed. That is ridiculous. Chase tried to pull the same thing 5+ years ago when I closed another account. That time I went to a branch office where staff said they could print out records at a cost. I complained to the manager and threatened to file a complaint, and suddenly Chase made those records available to me. These are my records and I am entitled to them for a reasonable amount of time, even if the account is closed. I continue to have a Chase checking account and two credit cards owned/managed by Chase. The cost to Chase to give me online access to those records is negligible. The IRS can demand records for 7 years. I must have access to those records for tax purposes. I should not have to pay Chase per page for my records. That reeks of extortion. How many customers are being forced to pay per page for their records?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7677067", "source": "cfpb", "group_id": "cfpb/936dc8e31b83a4427240", "variant": "clean", "length_bucket": "short", "chars": 1068, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-10-10", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem accessing account", "text_sha256": "936dc8e31b83a44272402fa4fc037399ef35e12a1dbf5cee4ad2ceeaa61eb4b0", "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 navy federal flagship rewards card on XXXX XXXX and the platinum visa on XXXX XXXX| was denied. On XXXX | submitted a letter stating that I was denied and could they reconsider navy federal replied stating \" We are unable to withdraw applications that have already been declined ''. I hold navy federal criminally liability for violating I have proof that I was discriminated against by Navy federal due to the response I received. \n\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": "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/8579848", "source": "cfpb", "group_id": "cfpb/3f0bc94efbd6fb9c4cb1", "variant": "clean", "length_bucket": "short", "chars": 472, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2024-03-19", "product_raw": "Credit card", "issue_raw": "Getting a credit card", "sub_issue_raw": "Application denied", "text_sha256": "3f0bc94efbd6fb9c4cb1797d2c0de2865dfeda03238656bba468010f65432f23", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I, XXXX XXXX XXXX XXXX XXXX beneficiary, authorized representative for XXXX XXXX XXXX XXXX attempted to remain in honor with CAPITAL ONE by tendering payment twice via two conspicuous negotiable instruments in the form of a paid U.S.P.S money order for account number : # XXXX. Both money orders had a clear notification at the bottom that they were negotiable instruments, which I bought and paid for the rights to negotiate. On or about XXXX U.S.P.S Money Order number XXXX, dated XXXX, made payable to Capital One, with the following provision : I accept your offer in the amount of {$1100.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument, made in accordance with federal banking law, in the amount of {$1100.00}, in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311, U.C.C. 3-114 and public law for negotiable instruments, was tendered by certified mail : XXXX XXXX XXXX XXXX XXXX XXXX. This Instrument was received XXXX and redeemed on XXXX by Capital One. On or about XXXX I made a call to Capital One to give notice of the billing error where I spoke to thelivewitness XXXX ( spelling is approximate ) to whom I gave notice of the billing error stating that the provision was not honored though the the instrument was redeemed and that the payment that I sent in via a U.S.P.S Money Order - a valid negotiable instrument - and it was only credited as {$10.00}, which is incorrect.An investigation was said to be initiated due to my notice and dispute with the Case number XXXX. On or around XXXX I received a letter dated XXXX, which is exact same day of the dispute, that Capital was not honoring my dispute and that Capital One found that the payment posted correctly based on the legal written amount of {$10.00}. Capital One failed to honor the instrument, breaking the legal guidelines set forth in Code of Virginia 8.3A-603 ( a ) for tender of payment which states : 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. Dishonoring the instrument also breaks the legal guidelines set in Code of Virginia 8.3A-114, contradictory terms of instrument, which states : If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers. The provisions mentioned above that were handwritten on the instrument set the terms for the simple contract governing the instrument. Upon redeeming the instrument Capital One acted in agreement to the handwritten terms of the tendered payment for the complete amount of the handwritten value of {$1100.00}. Capital One failed to honor the instrument tendered in good faith and continued to charge interest on the erroneous amount due that was already tendered, causing me economic damage and injury by falsely reporting to credit reporting agencies a erroneous balance. In good faith effort to provide Capital One a second opportunity to walk in honor, on or about XXXX U.S.P.S Money Order number XXXX, dated XXXX, made payable to Capital One, with the following provision : I accept your offer in the amount of {$1100.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument, made in accordance with federal banking law, in the amount of {$1100.00}, in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311, U.C.C. 3-114 and public law for negotiable instruments, was tendered by certified mail : XXXX XXXX XXXX XXXX XXXX XXXX \n\nThis Instrument was received on XXXXand redeemed on XXXX by Capital One. On or about XXXX I sent a Notice of Error by certified mail : XXXX XXXX XXXX XXXX XXXX XXXX to give notice of the billing error. Additionally, on XXXX I made a phone call to Capital One where I spoke to live witness XXXX ( spelling is approximate ) who I gave notice of the billing error, who transferred me to manager XXXX ( spelling is approximate ) who I gave notice of the billing error, who openly and rudely refused to walk in honor, and who after I requested a manager above their position stated that if I wanted to talk to someone else to hang up and call back. In good faith and peace, I did and spoke to live witness XXXX ( spelling is approximate ) who I gave notice of the billing error stating that the provision was not honored though the the instrument was redeemed and that the payment that I sent in via a U.S.P.S. Money Order- a negotiable instrument- was only credited as {$10.00}, which is incorrect. XXXX stated that the Back Office will be handling this matter, that there is no case number associated by my dispute, and that I can expect a decision letter in approximately two payment cycles. \n\nOn or around XXXX I received a letter dated XXXX, which is exact same day of the dispute, of the current terms of the account number : # XXXX. On or around XXXX after logging into my Capital One account I discovered it was restricted and the card was not functional. On or around XXXX I received a letter dated XXXX that the account was being closed because activity on this account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. Capital One failed to honor the instrument, again breaking the legal guidelines set forth in Code of Virginia 8.3A-603 ( a ), and 8.3A-114. Most importantly, Capital One acted in agreement with the handwritten terms of the tendered payment for the complete amount of the handwritten value of {$1100.00}. \nCapital One failed to honor the instrument tendered in good faith, dishonoring the terms of the simple contract governing the instrument that they entered into upon redeeming the instrument. Capital One continued to charge interest on the erroneous amount due that was already tendered, causing me economic damage and injury by falsely reporting to credit reporting agencies an erroneous balance. \nThe US Constitution Article I, Section 10, Clause 1 states : No State shall enter into any Treaty, Alliance, or Confederation... or Law impairing the Obligation of Contracts .... Capital One entered into a contract upon redeeming the instrument and no Law impairs Capital Ones obligation to walk in honor of the simple contracts that governed both the negotiable instruments it redeemed and currently stands in dishonor of. Capital One has discriminated against me by closing this and another account due to my exercising my rights under the Consumer Credit Protection Act, after entering into a written agreement, and then failing to adhere to the terms and conditions of such an agreement made in good faith. ( Code of Virginia 59.1-200 ) Capital One asks in its Customer Agreement that payment be made in US dollars and payments with instructions may be rejected. Capital One did not reject the payments tendered via negotiable instruments in the monetary unit of US dollars, and agreed to the simple contract, set by the provisions of the instruments upon redeeming them. I request that an investigation into the practices and procedures of Capital One in this matter be promptly carried out. It is an egregious disregard for commercial laws and consumer rights. I request an accounting be taken of this account, that this issue be resolved without levy, and that I be made whole from the abundance of monies beyond what was owed, tendered in good faith by negotiable instruments, that remain negotiable and of benefit to Capital One causing me continuous economic and equitable damage. I request Capital One produce the following : Proof of all indebtedness, including copies of any alleged signed credit agreement paperwork in your possession, on which you base your alleged claim of violation ; Proof of the entire chain of custody of any signed wet ink promissory note or credit agreement claimed to be collecting for, including but not limited to, copies of any guarantee, security agreements, contracts for the alleged debt and their attached allonge ; A full accounting of ALL sums due that have been applied to this alleged debt balance, including the payments in question ; If the promissory note or credit agreement was securitized, along with ANY of the negotiable instruments tendered as payment, please provide the name of the trust and location of its trustee, including the full contact information and telephone number, any XXXX attached to any documents associated with this account ; Provide the exact location of the purported promissory note or credit agreement, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEBT came into existence. \nI request Capital One provide any, and all copies of any, and all documents, in any type of medium such as but not limited to electronic records and tangible forms it has in its possession, bearing my legitimate autograph. \nBe further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under Capital Ones purported promissory note or credit agreement at law or in equity, all of which rights and remedies I am expressly reserving. Failure to respond within 30 days, point for point with an autographed rebuttal by a live witness with direct knowledge of the matter, will also result in an action filed against your company in the appropriate forum. I will be notifying The Office of the Inspector General, The Office of the Comptroller, Representative XXXX XXXX XXXX XXXX, The Board of Governors of the Federal Reserve, and finally The Office of Management and Budget, Congress, and the Department of Treasury being sure to highlight the law defiant and discriminatory practices being administered by Capital One.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8905134", "source": "cfpb", "group_id": "cfpb/21082c03c4c6d6b69580", "variant": "clean", "length_bucket": "long", "chars": 9913, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-05-01", "product_raw": "Credit card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "21082c03c4c6d6b69580cce46bf8c770697e09268ace5d0bc446fd13d7631132", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I saw your recent lawsuit involving Navient. I am currently in disagreement with them regarding loans ( XXXX ) that i allegedly co-signed with an electronic signature. I did not electronically sign any student loan, nor did I have the ability to at the time they allege I did. On XXXX of the dates I was serving in XXXX, I know I did n't sign from there. I asked them for proof and they sent me loan agreements with my first name typewritten on the signature line. Further proof, they can not provide. Are there standards that private organizations must adhere to regarding electronic signatures? \nI am retired XXXX XXXX and a Full time 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/2299972", "source": "cfpb", "group_id": "cfpb/c018c8d50aa3f2ea2018", "variant": "clean", "length_bucket": "short", "chars": 652, "company": "Navient Solutions, LLC.", "date_received": "2017-01-20", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Keep getting calls about my loan", "text_sha256": "c018c8d50aa3f2ea2018129e0ac6f0ca153f573667ad2edfafc99424c0fe0030", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased my leased vehicle. The pay off was a little over {$30000.00}. I mailed in a check for {$25000.00} from XXXX XXXX XXXX XXXX and a cashiers check from XXXX XXXX  for {$5000.00}. Chrysler Capital claims depending on who I talked to that day either they lost the XXXX check or that I never sent it. After XXXX or so calls, I was told if I dont send them {$5000.00}, they will keep the {$25000.00} check and repossess the truck. I had to borrow money and go without food to send them another {$5000.00} as you have to wait XXXX  days to do a stop payment on my initial cashiers check from XXXX XXXX. XXXX  days was up this Monday the XXXX XXXX XXXX. Turns out Chrysler Capital did in fact cash that check when I sent it and misapplied the funds. They had the money the entire time while accusing me of never sending and saying they will repo the truck. Now, they wont give me the {$5000.00} back until they can find the money and get it back from the wrong account. I dont see how their XXXX XXXX  is my fault making me wait longer. This seems like theft and bad faith. All while falsely accusing me of not sending them the 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": "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/7579695", "source": "cfpb", "group_id": "cfpb/85c737511f278d67f6e1", "variant": "clean", "length_bucket": "short", "chars": 1137, "company": "SANTANDER HOLDINGS USA, INC.", "date_received": "2023-09-20", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Problem when attempting to purchase vehicle at the end of the lease", "text_sha256": "85c737511f278d67f6e19bb9996619ceecaecab5d26c37f34eff414f6b943e08", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "We were notified we are in a federal disaster zone ( as of XX/XX/2023 ). I notified this company of the situation and to explore what forbearance or deferment programs they have available. The agent I spoke with informed me they do not have any programs available to assist me- all they can do is DOUBLE my next payment. \n\nI requested to speak with a supervisor to get clarity on WHY they do not offer a federal disaster zone victim any kind of forbearance ( the answer at this point was obvious - because they are a predatory loan scam company, but that's a different issue ) ... and this is where things got even stranger. After being placed on hold multiple times for several minutes ( the agent was polite but clueless ) she informed me no supervisor was available to assist me ( what a shock! ). \n\nAfter insisting to speak with a supervisor, I was informed 'someone would get back to me hopefully in 3 business days ). So after reaching out to this company in an effort to ensure that I do NOT default or miss any payments, to communicate that due to a federal disaster declaration I was attempting to work out something that at least is an arrangement that is suitable for them, not only could they not assist me but refused to put a supervisor on the line with me to provide any explanation whatsoever. \n\nWell I suppose this is the price people pay doing business with fly-by-night organizations like Balance Credit. If nothing else comes from this, at the very least hopefully others will learn from my horrible experience with them and avoid them like the charlatans that they 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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/6921113", "source": "cfpb", "group_id": "cfpb/318152ffb7365107a594", "variant": "clean", "length_bucket": "medium", "chars": 1590, "company": "Braviant Holdings, LLC", "date_received": "2023-05-02", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't stop withdrawals from your bank account", "sub_issue_raw": "", "text_sha256": "318152ffb7365107a59485be8631ce32654179f82537fa794610177ee50ffe78", "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 officially file a complaint against Navy Federal Credit Union ( NFCU ) for what I believe to be a gross violation of my consumer rights as protected under 15 U.S. Code 1681s3 pertaining to affiliate sharing of personal information.\n\nNFCU failed to comply with the necessary disclosure requirements that mandate clearly and conspicuously informing the consumer that their information may be communicated among entities affiliated by corporate control for marketing solicitations. Furthermore, NFCU did not provide an opportunity or a straightforward method for me to prohibit such solicitations, thereby failing to adhere to the standards established under the aforesaid statute, specifically clauses 1681s-3 ( a ) ( 1 ) ( A ) and ( B ).\n\nTo detail, NFCU has shared significant personal financial information, including specific transaction amounts, with multiple credit agencies and entities including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These shared amounts include {$36000.00}, {$10000.00}, {$8900.00}, {$5300.00}, and {$19000.00}. This sharing of personal financial information was done without my explicit consent and absent any disclosure of such potential sharing in the member 's rules and regulations, a copy of which has been duly attached for your reference. \n\n\n\nInitiate an Immediate Investigation : To duly investigate this breach of consumer rights, collaborating with other involved entities to ensure a thorough review of the circumstances.\n\nEnsure Compliance : To use its position as a reputed credit agency to enforce stringent adherence to the rules stipulated under 15 U.S. Code 1681s3, ensuring other consumers do not face a similar breach of privacy.\n\nRestore My Credit Standing : To take necessary measures to restore any potential harm done to my credit score or financial standing as a consequence of this unauthorized sharing of my personal information. \n\nFeedback on Actions Taken : To keep me informed on the steps taken in rectifying this issue and ensuring adherence to the stipulated consumer protection guidelines. \n\nI am looking forward to a prompt resolution of this matter, putting my trust in XXXX to uphold the principles of consumer rights protection and to work towards redressing this breach of trust and privacy. I am willing to provide any further information that may be required to facilitate this investigation. \n\nThank you for your attention to this serious matter. I eagerly await your response. \n\n\n\nEnclosures : Copy of Member 's Rules and Regulations from Navy Federal Credit Union 15 U.S. Code 1681s3 - Affiliate sharing ( a ) Special rule for solicitation for purposes of marketing Notice Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title, may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person.\n\nConsumer choice ( A ) In general The notice required under paragraph ( 1 ) shall allow the consumer the opportunity to prohibit all solicitations referred to in such paragraph, and may allow the consumer to choose from different options when electing to prohibit the sending of such solicitations, including options regarding the types of entities and information covered, and which methods of delivering solicitations the consumer elects to prohibit.\n\n( b ) Duration of consumers election The election of a consumer to prohibit the making of solicitations under subsection ( a ) shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer revokes such election ; or the consumer requests that such solicitations be resumed.\n\n( c ) Other products or services Nothing in this section shall be construed as prohibiting a person from making solicitations to a consumer if the consumer has initiated contact with the person ; to prevent directed marketing of products or services to a consumer if such marketing is not made through the use of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 1681a ( d ) ( 2 ) ( A ) of this title.\n\n( d ) Enforcement This section shall be enforced exclusively under section 1681s of this title by the Federal agencies and officials identified in that section.\n\nIn the context of your situation, section ( a ) is particularly relevant. It stipulates that if NFCU has shared your personal information, which would qualify as a \" consumer report '' with affiliated companies for marketing purposes, they were required by law to inform you clearly and conspicuously that such sharing may occur. Furthermore, they were obligated to provide you with a simple method to opt out of such solicitations.\n\nBefore taking action, ensure you review the members rules and any other agreement you have with NFCU carefully to confirm whether such disclosures were made and whether an opt-out method was provided. You may then proceed to raise this issue based on the guidelines provided in the 15 U.S. Code 1681s3, if it seems they were in violation I contend that NFCU has egregiously violated these stipulated norms by sharing substantial financial information inclusive of explicit transaction details with multiple external agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction details are as follows : {$36000.00} {$10000.00} {$8900.00} {$5300.00} {$19000.00} This sharing of sensitive personal data was executed without my explicit consent, and more so, without any such disclosure in the members rules and regulations, the proof of and interests of consumers like myself. \n\nEnsure Compliance : Leverage your position to enforce stringent adherence to the rules detailed under 15 U.S. Code 1681s3, thus ensuring no other consumer faces a similar infringement of their rights.\n\nRestore My Credit Standing : Facilitate the restoration of any damage inflicted on my credit score or financial standing due to this unauthorized sharing of my personal 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"}, "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/7562888", "source": "cfpb", "group_id": "cfpb/20d90818fff8a0ce31ef", "variant": "clean", "length_bucket": "long", "chars": 6590, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2023-09-17", "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": "20d90818fff8a0ce31ef75c209bacb623b838f21680378e7cca85a07658270c7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "TransUnion, XXXX, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5516891", "source": "cfpb", "group_id": "cfpb/d57f74350c78df336c2c", "variant": "clean", "length_bucket": "short", "chars": 337, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2022-04-29", "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": "d57f74350c78df336c2cc8dbd097e173f246f97264e98927ee2d13f0c2730a89", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is the account summary for my then XXXX XXXX account, which is now Navient. From XXXX XXXX XXXX my account was on a military deferment. During that time interest was capitalized onto the balance. Payments were made on my account from a military repayment plan. I have concerns about my current balance, which is XXXX and appears to be rising, despite payments made by the military and myself. The interest rate continues to rise and is now at 14.5%. My monthly payments are XXXX per month. I called Navient to find out what happened to the money the military paid which should have covered XXXX before taxes. I asked why my balance continues to rise despite making payments. Only a small fraction of my payment is put towards the principle. Often my payments do not go towards the principle at all. At this rate, this balance will never be paid off. They gave me no options to lower these monthly payments. \n\nDate \t      Description Principal   Interest \t         Fees           \tTotal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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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/7948753", "source": "cfpb", "group_id": "cfpb/113bb6fbc8e3b37e903b", "variant": "clean", "length_bucket": "long", "chars": 6930, "company": "Navient Solutions, LLC.", "date_received": "2023-12-04", "product_raw": "Student loan", "issue_raw": "Struggling to repay your loan", "sub_issue_raw": "Problem lowering your monthly payments", "text_sha256": "113bb6fbc8e3b37e903bc63c1c0d623a2d08c9bed841faf4cb0198783078d976", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XXXX XXXX I received letter from student aide that a class action that was filed against nelnet was approved and that my student loan in the amount of almost XXXX was going to be XXXXischarged and I would be refunded any money I paid towards loan. Right after nelnet went and put two more loans on my credit that were not there. When I called they stated my daughter defaulted on them years prior. I was informed they would be taken off my credit. However till this day they have taken the XXXX XXXX of and left the other XXXXwo. They took the other two off this week from my XXXX and it is still on my equivax report. The only reason they were taken off was because I disputed them. Now I have to dispute through XXXX because they have not removed it. This has caused me alotnof problems because I am retired and on a fixed income and shows my debt to ratio at a high rate because of what they did. Nelnet has been very uncooperative and keep giving me the run around. I would appreciate your help in helping resolve this matter. I enclosing my documents to show they have not done it right.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7154807", "source": "cfpb", "group_id": "cfpb/cd74fffa690259b30e18", "variant": "clean", "length_bucket": "short", "chars": 1095, "company": "Nelnet, Inc.", "date_received": "2023-06-23", "product_raw": "Student loan", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "cd74fffa690259b30e18fc87df9ac538c82ed324772d3651830c655eb4a0f339", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have today sent a letter of dispute. I received a call from 1st Credit Services claiming that i owed XXXX XXXX XXXX {$30.00}. In fact, i have never been a member of XXXX XXXX XXXX nor have i ever attended XXXX XXXX XXXX. \n\nThe agent explained that XXXX XXXX had acquired XXXX XXXX XXXX of which i was a member and that therefore XXXX XXXX had taken an assignment of all memberships. I was never notified of this, nor did i sign an authorization for XXXX XXXX to debit my bank or credit card account. It is a simple matter for XXXX XXXX to obtain updated information and authorization since they clearly had my phone number - they provided it to collections. Failing to get updated information and permission, they would have known to cancel the membership ... in which case there would be no debt. Instead they decided to bluff their way to collect money to which they are not owed. In short they conceived a \" scam '' to squeeze a few more dollars out of former XXXX XXXX XXXX members by using an outside collection agency ... rather than calling themselves. They released my personal information and most likely have tried to damage me by reporting this debt to a credit bureau ( another form of intimidation ).", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2828697", "source": "cfpb", "group_id": "cfpb/3b6c2ef69745f028a4f4", "variant": "clean", "length_bucket": "medium", "chars": 1215, "company": "First Credit Services Inc.", "date_received": "2018-02-28", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "3b6c2ef69745f028a4f4616411e372af75595c2d9be5c8312735ee088968c4f0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made a prepaid online reservation and paid it in full on XX/XX/XXXX for a 7-day car rental from XXXX rent a car, in the amount of XXXX XXXX ( {$100.00} ), with my American Express card ending in XXXX. \n\nI picked up the car on XX/XX/XXXX. On XX/XX/XXXX I checked whether I could extend the rental at the same daily rate for 5 additional days. I got positive confirmation from the rental car location and thus returned the car on XX/XX/XXXX, totaling a 12-day rental. \n\nUpon returning the car on XX/XX/XXXX, XXXX rent a car issued a Final Receipt/Bill in the amount of XXXX XXXX ( {$17.00} ), which was charged to my American Express card. \nI just thought it had been an oversight from XXXX and at some point I would get an additional charge in the amount of XXXX XXXX to complete the XXXX XXXX charge due to the 5-day extension at a XXXX XXXX/day rate. \n\nHowever, on XX/XX/XXXX, several days after returning the car, I noticed XXXX made an additional charge on my credit card in the amount of XXXX XXXX ( {$210.00} ), which represented an overcharge of XXXX XXXX ( {$140.00} ) compared to the XXXX XXXX charge I was expecting. \n\nI then inquired about the charge directly with the merchant on the phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )  and by email on XX/XX/XXXX. Additionally, I disputed the charge with Amex on XX/XX/XXXX. \n\nThe merchant refused to provide me with an explanation for the additional charges ; instead, they claimed they would provide the supporting documentation to XXXX as I had disputed the charge. \n\nXXXX ruled in favor of the merchant stating that they had provided additional, adequate supporting documentation for the XXXX XXXX ( {$210.00} ) charge. XXXX shared with me such documentation for my review : ( i ) Signed Rental Agreement RA XXXX, ( ii ) Final  Breakdown and Explanation of charges. \n\nUpon reviewing the provided documentation, I found that in document ( ii ) Final Breakdown and Explanation of charges, the merchant had listed Additional Products ( Road Safety Net and Travel Partner services ) as Optional Extras in the amount of XXXX XXXX that were completely unknown to me ; I had actually not requested nor signed up for those Optional Extras. Please note in document ( i ) Signed Rental Agreement RA XXXX that the only Optional Extra I signed up for was the Prepaid Fuel Up Front option in the amount of XXXX XXXX that was later canceled as I returned the car full of gas. \n\nI had to reopen the dispute multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to Amexs mishandling of the investigation. In all of these cases, Amex was merely closing the dispute over and over again without replying adequately to my request to receive documentation from the merchant substantiating I had agreed to Road Safety Net and Travel Partner services as Optional Extras. \n\nPlease note rental car companies include XXXXwo sections in their Rental Agreements : ( i ) itemization of services and charges the customer has signed up for ( ii ) terms and conditions Although ( ii ) terms and conditions specify that the customer is liable for the charges he/she has agreed to during the rental period, the merchant must itemize and collect the customers consent ( signature ) to each of the services the customer has signed up for, completing ( i ) itemization of agreed services and charges, to show exactly what services and at what rate the customer has agreed to. Document ( ii ) terms and conditions on a standalone basis is inadequate ; the merchant needs to specify each of the services and rates both parties had agreed to in document ( i ) itemization of agreed services and charges ; otherwise, the merchant would have green light to fabricate / add additional services to the final bill without the consumers consent, which is unacceptable.\n\nPlease note in Rental Agreement RA XXXX , Road Safety Net and Travel Partner services do not show up in the ( i ) itemization of agreed services and charges. Therefore, the XXXX XXXX charge due to Road Safety Net and Travel Partner services should be removed. \n\nAfter speaking with an Amexs agent on XX/XX/XXXX, I redisputed the charge in the amount of {$140.00} ( XXXX XXXX = XXXX XXXX for Optional Extras I did not sign up for and XXXX XXXX I had already been charged for on XX/XX/XXXX ). The dispute was filed with code XXXX. \n\nI had no alternative but to file this complaint to the CFPB so that my dispute is properly handled and escalated to Amexs Executive Team. \n\nDespite my dissatisfaction with Amexs handling of my dispute, I had kept my trust and extended my business with them ; today I upgraded this credit card account ending in XXXX to Amexs Platinum card and I opened a new credit card account last month. \n\nI am a committed customer to Amex since XXXX. I hope Amexs Executive Team eventually does the right thing and adjusts my credit card account by issuing a credit in the amount of {$140.00}. \n\nAdditionally, please note on XX/XX/XXXX, I submitted consumer complaints to the following organizations in the US : 1 ) Federal Trade Commission complaint # XXXX see attached document. \n2 ) XXXX XXXX XXXX complaint # XXXX see attached document. \n3 ) Econsumer.gov International Consumer Protection Enforcement Network complaint # XXXX see attached document. \n\nOn XX/XX/XXXX, I submitted a consumer complaint to the Spanish Consumer Protection Authorities : 4 ) Consumer and Commerce Office XXXX, XXXX complaint # XXXX see attached document. \n\nSo far, the merchant has not responded to any of the above-mentioned organizations.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2967190", "source": "cfpb", "group_id": "cfpb/e606173e54e2d3d016c8", "variant": "clean", "length_bucket": "long", "chars": 5532, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2018-07-19", "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": "e606173e54e2d3d016c8daad7c0c45a6d16964b04ec4396bfd3429184317846a", "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 XXXX at the time I received services ). In XXXX of XXXX  I received XXXX, and received XXXX  services provided by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. My bill was initially paid for by my medical insurer XXXX, however this coverage was later revoked and I was billed the full amount for the procedure. After a lengthy appeal process XXXX decided to cover the XXXX  after all, and paid XXXX XXXX the full amount due. XXXX made a mistake and sent the account to RMP despite it having been paid. XXXX has reached out to RMP to inform them that the account was given to them in error, but they have refused to fully retract it from my credit report. Instead they are reporting it as a \" collections account that has been paid '' which still has a derogatory effect on my credit report, and in repeated calls have steadfastly insisted to me that they refuse to fully delete it despite knowing it is an error. \n\nIn addition their agents have continued to call me \" sir '' in conversations despite me repeatedly informing them that my gender has changed, in what I believe is deliberate belittlement.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6493342", "source": "cfpb", "group_id": "cfpb/eebf0c408d2eafc255f4", "variant": "clean", "length_bucket": "short", "chars": 1158, "company": "Receivables Management Partners, LLC", "date_received": "2023-01-26", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "eebf0c408d2eafc255f4b761569a74472ff493a62ac7febba1e0fbef326f054b", "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 complain about a collection account that appears on my credit report. The account is for {$610.00}, original creditor XXXX XXXX. \n\nI have never conducted any business with Portfolio Recovery Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. \n\nI first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Portfolio Recovery Associates, and I have never made any payments to them. \n\nI have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. \n\nI have not received any debt validation letters from Portfolio Recovery Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. \n\nI demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). \n\nThank you for your time and 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/7443196", "source": "cfpb", "group_id": "cfpb/bfbc9cd6aff9649c1ad3", "variant": "clean", "length_bucket": "medium", "chars": 1589, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2023-08-23", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "bfbc9cd6aff9649c1ad329de4bf07651670c65339ab6eb169088fc12531f4b4b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My federal student loan servicer is Navient. I have had issues with my extra payments to individual loans that were extremely unfair to me. I was troubled that my loans with the highest interest rates had balances that were not going down at all when I first started making payments. I asked Navient about this, and they assured me that my payments were being allocated in the most efficient way, as calculated by them. I accepted this answer but was still troubled by it. I decided that I would start to make extra payments to one of these accounts. This would not be something that I would do every month, but when I had a few dollars left over at the end of the month.\nI made a few payments to one of my unsubsidized loans that had a principal balance that was not going down. I made my first extra payment of {$50.00} on XXXX/XXXX/XXXX to a specific loan and then made another extra payment of {$30.00} on XXXX/XXXX/XXXX to that same loan. I distinctly remember checking a box when I made these payments stating that I intend to make my next scheduled payment and that I do not want my due date pushed out more than one month. I assumed that my auto payments from then on would be allocated properly. I was wrong. At the time, as I was in a financial situation where I could not make more extra payments, I continued to make my automatic payment every month but did not pay attention to my account otherwise.\nLater on I logged into my account and went back to look at my statements and realized that my due date was pushed out due to my extra payments. for the next three months {$0.00} was allocated to the principle on that loan. ( Screenshot of balance showing {$0.00} going to principle from payments is attached ). \n\nTo my own fault, it took me a year to notice this issue. I reached out to Navient and was told that they were unable to correct the issue. I still feel that this is wrong and should be correctable. ( I do not have documentation of this message as Navient only stores documents on their site for 12 months ).\nI have been making new extra payments to one of my Navient managed federal student loans and I feel that the way that they are handling extra payments is fraudulent. I continue to struggle with payments being misallocated. They still have a box where payment preference can be selected ( screenshot is attached to this complaint ), but I feel that this box is completely ignored. Due dates are still always advanced and the next auto payment allocated to the account is often a meaningless amount of a few dollars or less, which is not even enough to cover the outstanding interest on the account. \n\nNavient has corrected this overtime that I have noticed the issue right away, but it is often like pulling teeth. I have to send an email to Navient each time that I make an extra payment demanding that my account balance be reset right away. Sometimes this is heeded without issue, sometimes it is ignored, sometimes I receive an ignorant response about not being able to complete my request and I have to send more correspondence to get this done. I have been told by a rep that all future payments would be handled properly. The next payment was not and the next rep told me that their system does not allow for them to make note of how all extra payments should be applied. They have truly given me the runaround on this issue and I honestly feel that they are not as incompetent as they act like they have and that this is a fraudulent attempt to extend the life of my loans. \n\nI know that {$80.00} in extra payments is not a large amount of money. If it had not been just about the {$80.00}, this may not be an issue. I honestly feel that Navient is actively trying to defraud me with the way they continue to handle payments. They got away with {$80.00} worth of my payments, and I imagine that I am not alone. I am filing this request in the attempt that it can help someone else who has been hurt more than me. \n\nI did not realize that I could file a complaint about this until now, otherwise, I would have done so.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2697990", "source": "cfpb", "group_id": "cfpb/88a8522888419ed2b423", "variant": "clean", "length_bucket": "long", "chars": 4058, "company": "Navient Solutions, LLC.", "date_received": "2017-10-10", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "88a8522888419ed2b423b2f4f685abeca62c72e84bed97661807607a6bac828a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I bought the car in XX/XX/XXXX, a XXXX XXXX XXXX. My payments were due on the XXXX of every month since purchase. All went well until XX/XX/XXXX. My auto payment was not made on XXXX. I was not made aware of this until XX/XX/XXXX. I was not aware of the auto payments not being made. I spoke with a man named XXXX a supervisor, on XX/XX/XXXX, and he made a new contract with me. He said he would put XX/XX/XXXX, and XX/XX/XXXX payments on the end of the note if I would make a payment that day. If i got the payment in before XXXX, and gave him the tracking information from XXXX XXXX, he would do his part with the 2 payments. I did this and left the requested info on his voice mail before XXXX. I thought all was good. I made another payment in XXXX on the XXXX. I spoke with another supervisor named XXXX on the XXXX. She told me she spoke with XXXX, and she would do his job for him only 14 days late. She did this only my XX/XX/XXXX payment was applied to the XXXX payment because it was the oldest payment on my account because XXXX did not do his part by moving it to the end of the note. So my XX/XX/XXXX payment was not moved also, when I made the next payment on XX/XX/XXXX, XXXX was reported 60 days late, and XXXX was reported 30 days late. If XXXX moved them on XX/XX/XXXX as agreed, no payments would be late, yet I am now reported as 60 days late in XXXX, XXXX and 30 days late in XXXX, XXXX. Not true because XXXX breached our amended contract and I performed as agreed. \nNow lets come to the next issue with FMC and payment reporting. \nXX/XX/XXXX, I made a payment to Ford around the XXXX of XXXX, XXXX. It was paid by my bank on the XXXX of XXXX. I sent in the bank statement proving this. Ford has lost this payment. Now into XXXX, XXXX. I made a payment to not go 30 days late on XX/XX/XXXX. XXXX cutoff time for crediting same-day payments is XXXX XXXX. I made the payment through western union at XXXX XXXX on Friday the XXXX. That is the XXXX day since the previous due date. But that day is not over as far as calendar days until midnight. I told ford I was not 30 days late, I was actually 29 days and 19 hours past due. They could not report me 30 or more days late. The courts have ruled those days are calendar days not business hours days. FMC is harming me once again. They lie, break agreements and do not follow the law. Their policies do not rewrite laws. I did not go 30 days passed due, that is a fact in the record. 29 days 19 hours is NOT 30 days, simple.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3819815", "source": "cfpb", "group_id": "cfpb/fd734d74409ce4069cf2", "variant": "clean", "length_bucket": "medium", "chars": 2493, "company": "FORD MOTOR CREDIT CO.", "date_received": "2020-08-28", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "fd734d74409ce4069cf2a3a3143b8233e7e7f93f9c495e5466844fda6e5d4792", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Report to Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Report of Violations of the Truth in Lending Act, the Securities Exchange Act of 1933, and Theft by Deception To Whom It May Concern, I am writing to report violations involving NAVY FEDERAL CREDIT UNION et al that pertain to the Truth in Lending Act ( TILA ), the Securities Exchange Act of 1933, and potential criminal activities that may include theft by deception. The details of the violations are as follows : XXXX. Violations of the Truth in Lending Act ( TILA ) : - Violation of the XXXX Right of Rescission : According to TILA regulations, consumers have the right to rescind certain credit transactions, including home equity loans and refinances, within a three-day period. It has come to my attention that [ individual/entity ] failed to provide the necessary disclosures required by TILA, including the right to rescind within the specified XXXX window, which constitutes a violation of federal law. \n- Details of Violation : - Transaction Date : XX/XX/XXXX - Parties Involved : XXXX XXXX, Navy Federal Credit Union et al - Specific Violations : Lack of clear disclosure regarding the XXXX rescission period, failure to provide the required notices, etc. \n- Evidence : See attached XXXX. Violations of the Securities Exchange Act of 1933 : - Misrepresentation and Omission of Material Facts : NAVY FEDERAL CREDIT UNION et al has engaged in conduct that violates the Securities Exchange Act of 1933 by offering or selling securities through false statements, misrepresentations, or omissions of material facts necessary for a potential investor to make an informed decision. The misleading information provided included, but was not limited to, financial projections, the actual financial condition of the business, and the risks associated with the investment. \n- Use of Registered Mail for Security Fraud : On XX/XX/XXXX, at XXXX XXXX  XXXX XXXX XXXX, a registered security was sent via registered mail to XXXX XXXX, using tracking number RE XXXX US. This transaction was verified through the XXXX XXXX XXXX XXXX XXXX  XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, DC XXXX. The registered mail was delivered on XX/XX/XXXX, at XXXX XXXX  and was signed for by XXXX XXXX. Following the delivery confirmation, a period of XXXX  days was given, presumably to comply with regulatory requirements or to allow for a response or action. \nThe mailing was confirmed again on XX/XX/XXXX, at XXXX XXXX  XXXX XXXX XXXX. This act constitutes a use of the U.S. mail system to facilitate fraudulent activities in violation of federal law, specifically under 18 U.S.C. 1341 ( Mail Fraud ). \n- Details of Violation : - Security Involved : Registered security see tracking attached - Date of Issuance or Offering : XX/XX/XXXX - Nature of Misrepresentation or Omission : no response from Navy Federal Credit Union - Evidence : [ Please see attached XXXX XXXX records, delivery confirmation, and evidence of the XXXX period granted ] XXXX. Theft by Deception : - Description of Theft by Deception : There is reason to believe that Navy Federal Credit Union et al engaged in theft by deception, which involves unlawfully taking another persons property or money by intentionally deceiving them. In this case, the deception involved providing false information or misleading statements about not receiving a registered security to gain an unlawful advantage or financial benefit. \n- Relevant U.S. Code ( USC ) Laws : - 18 U.S.C. 1341 ( Mail Fraud ) : This statute criminalizes schemes to defraud or obtain money or property through false or fraudulent pretenses using the XXXX XXXX XXXX or any private or commercial interstate carrier. The use of registered mail for sending the security falls under this provision. \n- 18 U.S.C. 1343 ( Wire Fraud ) : This law covers fraud schemes that use electronic communications, such as telephone, email, or the internet, to defraud another party. If the deceptive practices included the use of interstate wires or electronic communications to convey false or misleading information, this statute may apply. \n- 18 U.S.C. 1348 ( Securities and Commodities Fraud ) : This law specifically addresses fraud related to securities and commodities, prohibiting any scheme to defraud or obtain money or property through false or fraudulent pretenses in connection with any commodity or security. If the theft by deception was related to securities, this statute would be relevant. \n- 18 U.S.C. 1028A ( Aggravated Identity Theft ) : This statute can apply if the theft by deception involved the unlawful use of someone else 's identity, including names, Social Security numbers, or other identifying information, in furtherance of committing fraud. \n- Details of Violation : - Date of Incident : XX/XX/XXXX XXXX XXXX - Parties Involved : XXXX XXXX and XXXX XXXX XXXX Nature of Deception : Security was received traded and stolen - Evidence : please see attached Demand for Action : I am demanding that XXXX XXXX provide GAAP-compliant accounting records showing all accounts payable and all accounts receivable, as well as a forensic audit on any articles or securities that may have been assigned as part of my accounts. Additionally, I request details about any loan contract or account that was assigned, including the pool of assets it was placed into, whether it was factored or included in any factoring deals. \nFurthermore, I request that XXXX XXXX provide my percentage ownership per SEC regulations regarding security trading on the primary and secondary markets. \n\nRequest for Action : I respectfully request that the CFPB investigate the above-mentioned violations and take appropriate enforcement action to prevent further harm to consumers and investors. I am willing to provide additional information and cooperate fully with any investigation. \nEnclosures : - Mailing, Tracking and receipt of delivery Thank you for your attention to this matter. \nSincerely, XXXX XXXX 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/9986228", "source": "cfpb", "group_id": "cfpb/c3180c9467f754bbd8ad", "variant": "clean", "length_bucket": "long", "chars": 6129, "company": "NAVY FEDERAL CREDIT UNION", "date_received": "2024-08-29", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "c3180c9467f754bbd8ad0a794ce7c662f840d689f23161343942113d66080e49", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Bank of America Checking/Savings Impersonating bank representatives to keep account on dark web Mail fraud pertaining to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4251683", "source": "cfpb", "group_id": "cfpb/ee68544dbe4eda955ab7", "variant": "clean", "length_bucket": "short", "chars": 226, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2021-03-27", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Can't close your account", "text_sha256": "ee68544dbe4eda955ab7a0ea2a4c37df71b24fe80f9e9e8f58f6dea3efaf7d4e", "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 cash app debit card number was used in various parts of the world most transactions declined, however one transaction for {$120.00} was successful in XXXX. I immediately contacted Cash App support that same day on XX/XX/XXXX. I was told it could take 45 days in to be on the lookout from customer service reaching out via email for more information. None of that has happened since, and I still have not received my money that the scammers stole from my account. I have contacted Cash App twice since then, today XX/XX/2022, being the latest and every time I reach out to customer service, they say it will take 45 more days and that I will receive an email and maybe I should double check my email next time. This application is fraudulent and does not protect users by any means.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5106494", "source": "cfpb", "group_id": "cfpb/7d4d4c31612a94102cc1", "variant": "clean", "length_bucket": "short", "chars": 799, "company": "Block, Inc.", "date_received": "2022-01-13", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "7d4d4c31612a94102cc19edc89d441cd63e7da4867b5c05283e778c41ccc92a0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am speaking XXXX. On XX/XX/2019 -- My friend asked me as a favor to take his XXXX XXXX XXXX for XXXX to get tires rotated. I agreed to do so. \n\nI want to emphasize that I DID NOT GO TO XXXX XXXX XXXX XXXX ( henceforth XXXX. ) to go vehicle shopping. I had no thoughts or intentions of 'buying a car ' and then an old high school acquaintance and wrestling teammate who was/is the salesman -- saw me waiting for the service to be completed on the XXXX. \n\nWe all can agree that salespeople are taught techniques and sales tactics. I believe it is language fraud to begin with orally. And then of course to get pen to paper the practice of fraudulent conveyance of language over and on a contract. The syntax of contracts is in error. They did not tell me what language they were using either. \n\nI am free to exercise my XXXX XXXX. Chapter XXXX XXXX ( r ). \nI am free to be correct and communicate in a language that means what I say and says what I mean. In case you didn't know -- I am speaking XXXX. \n\nAs a consumer I have a right to complain about these matters so that they XXXX be corrected so that I : XXXX XXXX XXXX. am no longer being violated. \n\nIssues : XXXX. I was not at XXXX. to go car shopping. \nXXXX. Salesman asked me if they could run my credit check. \nXXXX. I didn't think my credit was good enough anyways -- I was curious if it was. \nXXXX. I was in between jobs but did not get the job I anticipated -- I was terminated for my criminal record on the first day. \nXXXX. I went back to work part time making minimum wage in Wisconsin at the time {$7.00} round. Which means on that day I did not think I was making enough money to afford a vehicle. \nXXXX. There was no verification or proof of employment necessary! *** XXXX. The whole time of going through this process was about waiting for the XXXX to be serviced and quash my curiosity. \nXXXX. I was surprised that it came back with a lender i.e., Chrysler Capital. \nXXXX. The salesman had me fill out all of the necessary paperwork, signed, dated, and money transferred. \nXXXX. Then it was time to go pick out and XXXX XXXX a car, right? WRONG! \nXXXX. I was shocked when the salesman said to wait -- and came back with this car. I did not get to pick it out. \nXXXX. I did not get to pick it out OR XXXX XXXX IT? \nXXXX. It was already too late in my mind -- and it stuck with me to this day -- I knew something felt wrong. \nXXXX. The car was having problems immediately. Bad battery? They were willing to acknowledge they sold me a car with a bad battery right way. I think the battery was fine -- but they tried charging me {$120.00} for it. I complained about the price, for XXXX I did not actually have that much money on me. \nXXXX. XXXX charged me less for the battery because I complained that I just got it. \nXXXX. XXXX. thought it was the battery -- because the car kept XXXX on me while I was driving it. \nXXXX. It turns out it was burning oil too quickly. It just needed an oil change. \nXXXX. I found out later the model was 'recalled ' for a XXXX issue -- burning oil again. \nXXXX. Very poor customer service. \nXXXX. I did not have the knowledge of this ( CFPB ) resource until recently -- I tried talking to the XXXX at XXXX. and he was very rude to me. After signing for the car -- everyone changed their demeanor on me. \nXXXX. The XXXX told me that all my issue were with Chrysler Capital. \nXXXX. The 101 % borrowing ration on my credit report prevents me from getting an auto repair loan which I need desperately. \n\nMy complaint is both with XXXX. selling me this car under misrepresentation and the penalty of perjury ( basically it is a lemon )! but it was later that I found out about the 101 % leveraged against me and it hurts. But it is through Chrysler Capital on my report that is 101 % credit ratio. \n\nI need XXXX XXXX to get to work to make money. I need my car fixed XXXX XXXX to work to make money. I am unable XXXX XXXX to work safely because I am unable to take out a loan to get the car fixed. I am unable to pay for the fixing it needs out of pocket. How can I get to work safely to get this money out of my pocket? \n\nI thought it was obvious, I would just get a car repair loan. My own XXXX XXXX will not loan me anything because of this 101 %. \n\nA. I am constantly about 100 days behind XXXX. \nB. As of today ( XXXX ) gas costs me {$70.00} to fill up! \nXXXX I am not currently employed. \nXXXX I am unable to afford car insurance. \nXXXX I am unable to get to work safely or legally. \nXXXX I am unable to make any payments toward the vehicle. \nXXXX XXXX won't be able to make payments soon. \nXXXX XXXX. \n\nAnd Chrysler Capital emailed me saying that they could help. So, I called and answered all these questions that took a long time -- only to find out that they could not help and then tried to get me to make a payment ; after just telling them everything I wrote here. \n\nOn the credit report there is mention on a few months about I was negatively effective by a natural disaster called \" XXXX '' -- but the truth is ; I still am! I need that to be mentioned on every month that I have a late payment. \n\nSo now XXXX late payment after the next -- looks bad on my XXXX XXXX and is completely sabotaging my score. \n\nI want them to be held accountable for selling me a car while ignoring all of the red flags I have. \n\nI was sort of hoodwinked and unwittingly entered into this contact -- out of shock that I could qualify for it. \n\nThe problem with ignoring all of my red flags and allowing me like me to enter these contracts is that according to all the science and studies -- we all should have known this car would have caused me to go broke. \n\nSo I am accusing XXXX. of fraud -- and Chrysler Capital as well. \n\nI am XXXX poor person -- who has a lot of red flags -- to my defense that what red flags are for. Because of my unique situation I can prove misrepresentation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5680387", "source": "cfpb", "group_id": "cfpb/7bb296c1c58ba3338c42", "variant": "clean", "length_bucket": "long", "chars": 5877, "company": "Santander Consumer USA Holdings Inc.", "date_received": "2022-06-17", "product_raw": "Vehicle loan or lease", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "Denied request to lower payments", "text_sha256": "7bb296c1c58ba3338c4240e9e5a59fe938ea529937137080ff45b6cad1715f9b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Hi, I accidentally sent XXXX electrify XXXX tokens to a XXXX address that XXXX uses for my account for ethereum token transfers. XXXX. \n\nOnce those tokens were sent and in Coinbases possession then XXXXoinbase decided to not return them to me. They are the only owners of those private keys and could return the tokens to me if they chose to, but they choose not to because it would be work for them to manually send the money back. This is over {$1200.00} in value lost to me. \n\nI'm simply asking them to refund the tokens to the address that they came from : XXXX Their response : \" Unfortunately, our key-signing mechanism is not equipped to handle alt-coins or tokens that run on top of digital currencies such as bitcoin or ethereum. The security and integrity of our private keys is of the utmost importance to us. As a result, the specific private keys associated with an address are not available to any single person. Due to the inherent security risks involved with accessing specific private keys, it is not possible for our support team to recover funds sent to a Coinbase wallet in this way. '' This tells me that they haven't given their support staff the ability to help customers retreive their funds and instead choose to keep accidental funds sent to them instead of manually returning the money to it's rightful owner. This should be illegal to keep money that isn't theirs and refuse to help. \n\nThank you for your help, 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/2840746", "source": "cfpb", "group_id": "cfpb/e7d1d2c1020a8920a70b", "variant": "clean", "length_bucket": "medium", "chars": 1449, "company": "Coinbase, Inc.", "date_received": "2018-03-12", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "e7d1d2c1020a8920a70b9ad21c677e38c7e2e270d83ccb1405f3f657e1d3e75c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Recently in XX/XX/XXXX, I obtained a small instalment loan from Sunset Finance. Unfortunately, I lost my job a month after obtaining the loan in XX/XX/XXXX. With the rise of the Covid-19 pandemic ot became hard for me to find gainful employment. I immediately called them and informed them of my situation and promised to start back paying once I obtained a job. They began after them calling me, my family members, friends, and even my former employer. Harassing me and them on a daily basis to get payment. I called and stop with them letting them know I was in fact still unemployed and even homeless, unable to make any payments. So then in XX/XX/XXXX, I finally obtained a job. Thereafter I began to make payments every time I got paid to catch up. On XX/XX/XXXX, I called to make my payment. I was informed that I was too far behind and had to refinance my loan, which meant it would start all over and any monies I had then paid would be forfeited. I informed them I didn't want to refinance my loan and even the next time I got paid I two weeks, I would be paying it off. I spoke with the district manager in which she threatened me, was very unprofessional. Everytime I have ever dealt this this loan company they were very rude, disrespectful and unprofessional. I have been trying to pay my loan off plus anything interest I have accured because of me being late. All I have gotten was threats, harassment, and complete unprofessional behavior. This loan company has to stop. They have displayed unethical behavior and practices once it comes to a business. I did not understand how all the payments I made did not go toward my debt and me starting over somehow was a good thing. The interest rate on the loans are not within the federal regulations of small installment loans.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3671455", "source": "cfpb", "group_id": "cfpb/17605e3bf02624661a95", "variant": "clean", "length_bucket": "medium", "chars": 1788, "company": "Sunset Management, Inc", "date_received": "2020-05-28", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "17605e3bf02624661a956c3c4655ade158f0a9d8522e5a66e2f32af160eab630", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On or after XX/XX/XXXX, I opened a new loan with Money Lion online and was approved for a {$600.00} loan. At the time of the agreement, the contract stated that in addition to the loan, I would be enrolled in their MoneyLion Plus membership, which was an additional charge of {$29.00} a month. With this membership I was to have access to their site which was supposed to help provide resources to help improve my credit including credit monitoring. They also stated that as a benefit of the membership, my APR on  the loan would be 5.99 % ; otherwise, it would be higher depending on my loan amount. My first payments were successfully taken out of my checking account on XX/XX/XXXX, in the amounts of {$46.00} for the loan, and {$63.00} for the membership, both taken out concurrently every 2 weeks. On XX/XX/XXXX I contacted their support team via online chat to discuss my membership because I had concerns about what I was paying, and asked if I could cancel the membership and just continue to pay off the loan itself. This was due to a financial hardship on my end, and was seeking alternatives to at least continue paying off the loan. I was told at that time that I could not cancel the membership because the APR was given as a condition of the membership until after I satisfied the loan. I acknowledged the information provided at that time, and continued to do some research on my end. As of my last payment on XX/XX/XXXX, I have paid {$560.00} towards my loan ( XXXX x 12 payments posted ), and {$760.00} towards my membership ( XXXX x 12 payments posted ). I contacted their support team again because the membership amount paid was still more than their advertised plan per month ( Standard plan according to them was {$79.00} per month ). I was in essence paying {$4.00} per day for the membership, which brings the monthly cost paid to {$130.00} per month. When I inquired about the membership plan today, I was told my membership was {$130.00} per month, which was the first time I had been told that, or saw that anywhere on their site or contract. The representative referred me to the verbiage on the contract which states You are required to pay the monthly Membership fee, the amount will be posted on our Site and App, and revised from time to time. When I followed the prompts on the site to view my profile, it showed that my plan should have been {$29.00} per month, and not the {$79.00} or the {$130.00} that both agents stated on the two different occasions that I contacted them. When I advised the agent XXXX today of this, and asked for an itemization of my payments for both the loan and the membership, she advised that they were unable to provide me anything other that was was already displayed on the online dashboard. At this point, I requested the contact information for their Registered Agent who handles their business licensing, and after a long hold, was offered to have my membership cancelled and only have to pay the remaining loan balance. I initially did not agree to the terms ; instead I tried to probe further regarding the misrepresentation of their membership plan and what I was overpaying on it, and they again advised that I was not overpaying, but they could cancel the membership without penalty on the loan. On my previous conversation I was emphatically told that wasnt possible. I asked for their Registered Agent contact info for a second time, and they provided me their Legal department info out of Utah, which is listed on the XXXX site, but shows their membership with the XXXX XXXX XXXX being revoked. When I advised of this, and again for a third time asked for their Registered Agent, she told me she was unable to provide that information, and again gave me the contact information out of Utah. At this point, I accepted their offer to cancel the membership without penalty, but I duly noted the fact that they would not provide me any additional information regarding the Registered Agent, or an itemization of my payments to 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": "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/2929752", "source": "cfpb", "group_id": "cfpb/7f2bbc5fde2a8c84f826", "variant": "clean", "length_bucket": "long", "chars": 4004, "company": "MoneyLion Inc.", "date_received": "2018-06-07", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "7f2bbc5fde2a8c84f8265fe88f7483a03077f1d9dbb5d2ce0f62a15166dd8932", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX I made 2 payments on my RV Loan each for {$530.00}. After I made the second payment in error, I contacted M & T to reverse the 2nd payment and have it sent back to me via check. A couple of weeks went by and I never received the check. I called back and was told that it was still on its way and to call back the following week. The second week of XXXX I contacted M & T again as I still had not received the check. They stated oh it must be lost and we can send the funds back to my bank via ACH. I provided them all of the necessary information. About a week later I still had not received my funds so they said they would submit the request again. Finally on XX/XX/19 I received a credit of {$530.00} back into my checking account. At that point I assumed that everything was all set. Approximately the first week of XXXX i received a call from M & T collections alerting me that my XXXX payment was past due. I said how is that possible as M & T has an autosweep set up to take the payment out of my checking account which i confirmed that the funds were taken from my checking account and applied to the XXXX payment. They explained that the XXXX payment was reversed. I asked why the XXXX payment was reversed and they said it was was to provide the credit back to me. I said the XXXX payment should have NEVER been reversed as the credit should have been made from the payment dated XXXX. After dozens of phone calls trying to explain my situation to each person that answered the phone, I was able to get the XXXX payment credited as expected. Given the issues I wanted to make sure the XXXX payment was made correctly which as of XX/XX/XXXX, I saw that the payment was satisfied and assumed the loan was back to where it should be. The first week of XXXX I received a call from M & T collections stating that i was 32 days past due. I went into my online banking and saw that they reversed my XXXX payment AGAIN. I was confused as 2 payments were made in XXXX one was reversed and the other was made to satisfy my XXXX payment. As this point M & T still owes me one payment of {$530.00} and they reversed additional payments that should have never been reversed. At this point M & T still has {$530.00} of my funds that they should be using to credit my loan payment to bring my payment up to 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": {"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/10029256", "source": "cfpb", "group_id": "cfpb/b2a37f169cfe801389e0", "variant": "clean", "length_bucket": "medium", "chars": 2315, "company": "M&T BANK CORPORATION", "date_received": "2024-09-05", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "b2a37f169cfe801389e08a3b8433194cbce8845151ddd1b41614989e06e71707", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I do not know who this comany is yet they popped up on my consumer report. I have never recieved communication from this company. pursuant to FDCPA they are to get in contact with me about this alleged debt. They took it upon their selfs to violate my consumer report and just hinder my life by droping my credit score and slandering my name and reputation.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6377943", "source": "cfpb", "group_id": "cfpb/a783da227ef127900dd6", "variant": "clean", "length_bucket": "short", "chars": 357, "company": "Williams & Fudge, Inc", "date_received": "2022-12-31", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "a783da227ef127900dd67e9c56c474af72123fe7a85bb0c21fc137c33cc20ad6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The bank is XXXX XXXX. \n\nXX/XX/XXXX -- Tuesday. Used funds from my account D ( for debit card ) to pay rent. \nXX/XX/XXXX -- Checked my XXXX XXXX website. It said balance owed was XXXX, but the funds for rent were still in account XXXX  XXXX -- XXXX is due. XXXX XXXX lists amount due as XXXX, funds are still in account DXXXX \nXXXX -- late Saturday. Received email that payment was rejected... XXXX account XXXX  ( for Payments ). There is an automated payment set up for outstanding funds due to my XXXX XXXX on the third of the month from account XXXX However, since nothing was due, my XXXX XXXX should not have tried that transaction and they stand firm they did not attempt it. The issue with the XXXX XXXX a separate ongoing issue. \n\nXXXX Monday. I first notice the email from the bank stating the transfer failed. However XXXX XXXX website still says amount is paid, guy in XXXX XXXX said nothing is due AND person on phone from XXXX customer service says no amount is due and the XXXX automated withdrawal attempt didn't happen, so I need to call my bank and see why they sent the email stating it was attempted. At this point. the funds are still in account XXXX Never in any temporary status, just sitting in my account with the rest of my funds. \n\nXXXX. XXXX Monday. Since it's now been XXXX full days since the rent was \" paid '', the funds are still in account D and I don't want to accidentally draw against those funds when the bank comes looking for them, so I moved the rent funds into account P. Besides, that's where they think the funds came from anyway ( The account listed in the rejection email was account XXXX  not XXXX   ). XXXX XXXX web portal still shows XXXX amount is due. \n\nXXXX. Received email from XXXX XXXX rent check bounced. I called the XXXX XXXX customer service line and they only reaffirmed they wouldn't have tried to make any withdrawal XXXX as my account had no amount due and they suggested I call the bank to see what happened. They said they'd provide more information XXXX days later since I requested they review charging me any late fees since my rent was actually paid 4 days *early* and no one disputed that I had any issues to worry about prior. That's on their recordings and a few screenshots of mine. The XXXX XXXX phone agent also mentioned there was a {$75.00} returned check fee added to the rent by the bank which only the bank could remove. \n\nXXXX XXXX, I call the bank and they suggest I call the apartment complex to see what happened. The agent claimed the XXXX withdrawal was requested by the apartment complex and when I requested written data about the transaction to send to the XXXX XXXX, the bank agent claimed they have no email address to send or receive data, so I realized it'll be a \" he said, she said '' with nobody willing to send me *their* data to combine with my own to find out what happened. \n\n-- -- - At current my XXXX XXXX is deciding whether I can be exempt from late fees, however, if they decide to charge me them anyway, they've technically been accruing since the first of the month and still are accruing while I sort all of this out. ( Texas generally uses XXXX leases which have a 'rent is due on the first, but not late until after the third, so on the fourth of the month, you're already 3 days late ' philosophy ) -- the XXXX XXXX XXXX be a separate complaint if they do charge me after all their reassurances. \n\nThe bank has charged me a check return fee and wouldn't consider removing it. I'm filing the complaint to XXXX ) find out what happened XXXX ) Hopefully have the NSF fee removed as the bill was paid XXXX days early and the rejected withdrawal should have been for {$0.00}, from another account, or not at all. XXXX ) Whatever happened, my rent was paid, the person receiving the funds agreed funds were received, then *EIGHT* days later, suddenly the transfer was rejected. Despite the rest of the complications, if banks can legally do *that*, we're all hosed. \n\nPlus, I've also had issues with the same bank accepting my deposit checks and holding the funds for XXXX business days despite the funds leaving the other person 's account. So the funds left my customer 's account, everyone agreed they were there, then were held for security purposes at Capital One and I couldn't use them to pay bills for 7-10 business days. It sounds to me like they want it both ways and want to maximize their interest by holding deposits internally and holding withdrawals internally to maximize interest at the expense of 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/9753501", "source": "cfpb", "group_id": "cfpb/0b7ebbce97b2068e009a", "variant": "clean", "length_bucket": "long", "chars": 4530, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-08-08", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "0b7ebbce97b2068e009a0550586a816ec04315a64a786b08f466d23bcbee1c9e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have made multiple complaints in relation to the Citibank call center. First, they do not understand English or the American culture. I tried to open a complaint but had no assistance from the call center. I spent close to {$500.00} within three months related to the phone service provided by Citibank. You are on hold for more than 40 minutes. More specifically, I travel to XXXX with high frequency. I was in XXXX XXXX in the month of XXXX. Prior to my XXXX XXXX arrival. I had a layover in XXXX and items were stolen from my checked-in bag. I was forced to make a payday loan. I made a loan with XXXX XXXX XXXX for {$250.00} on XX/XX/2021. I received an email offering me XXXX XXXX dollars. They contacted me and wanted confirmation of all my information, bank account, debit card #, address, and telephone numbers. I thought it was legitimate. They deposited {$490.00} into my account on XX/XX/2021. I was told that they wanted to verify my account and made the deposit. I called Citibank when the deposit occurred to check its validity. The agent that I spoke to concur that it was legitimate, so I continued with their procurements. They asked for their money back and I made the payment via XXXX XXXX. They requested two payments, one of {$270.00} and the second payment of {$220.00} which I complied. I did not feel comfortable with the situation. I told the person that was calling me that I was no longer interested in their loan. On XX/XX/2021, the check was deemed with no funds, and funds were taken from my account. I did everything in my power to ensure the check was valid, but it still was a scam. I wrote to XXXX XXXX XXXX and they stated I was a scam. I had the most difficult time in trying to relay this information to an agent. I was given like XXXX telephone numbers to call and make a complaint. They did not understand the concept of payday loans or the American loan system. You are placed on hold multiple times with long periods of wait. Due to my travels, I always have to be in contact with Citibank with issues of my travels. I am never satisfied with the service. The communication is horrific. I know that I will have to wait for a long time. Today, I called the center. The agent that took my call could not understand me. I had some items debited from my new debit card. I was issued a new card last month due to the theft in XXXX and the scam. The agent told me that they can debit items as long it is XXXX. I told the agent the reason the debit card was replaced was for fraud. Why would I want the people that had my card to have the ability to debit more items from my account. I had to work individually with all merchants that debited my card. The issue I had was that the agent thought she put me on hold and was talking to her coworkers for a long time. When she came back to me she stated that she could not do anything. These scammers have changed my PIN and informed her of such. She said nothing can 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4625333", "source": "cfpb", "group_id": "cfpb/ec1ca8d0f4a19a094d57", "variant": "clean", "length_bucket": "medium", "chars": 2958, "company": "CITIBANK, N.A.", "date_received": "2021-08-12", "product_raw": "Checking or savings account", "issue_raw": "Problem caused by your funds being low", "sub_issue_raw": "Bounced checks or returned payments", "text_sha256": "ec1ca8d0f4a19a094d577fedbc10e2b1f25100cdc929cb1db7dffc00a464d3ec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Please refer to case XXXX US bank mentioned in their doc that they confirmed with XXXX  that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her 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/7720937", "source": "cfpb", "group_id": "cfpb/11d4da50acb2748e77fb", "variant": "clean", "length_bucket": "short", "chars": 271, "company": "U.S. BANCORP", "date_received": "2023-10-18", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Fee problem", "text_sha256": "11d4da50acb2748e77fbd6d639dae7c75039f664a10fb5b1231f67ec327fcb8f", "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 contacted Bank of the West by telephone regarding a payment which was taken out of my account after a 3rd party purchaser paid off my loan balance of {$3000.00} on XX/XX/XXXX. The representative confirmed that there was an a payment which was taken out and that my funds would be reimbursed once I faxed in my bank statement showing the payment on XX/XX/XXXX. \n\nAfter that call to Bank of the West, I contacted my bank, XXXX XXXX to request a stop payment on any future payments from my account. I received a notice from Bank of the West dated XX/XX/XXXX which stated that I had a balance of {$610.00} due with a {$15.00} processing fee. \n\nI called Bank of the West and I was informed the balance that I owed was for a payment which was reversed on XX/XX/XXXX for a payment that was due for XX/XX/XXXX. After checking with my bank I was informed that there was no reversal in XXXX from the XXXX payment. \n\nI went in to Bank of the West on XXXX XXXX. in the city of XXXX to request additional assistance to contact customer support since I was being asked to again send in my bank statements showing the XXXX payment never being credited to my XXXX XXXX. \n\nI received a call today from a costumer service representative by the name of XXXX at phone number XXXX who again said that the balance owed is for my XXXX statement. After receiving the same information from XXXX. I received a call from XXXX at the XXXX office who said also that he was told it was for my XXXX statement. \n\nI have provided my bank statement to show that I was not reversed the amount which was for the XXXX statement. I was told that my bank has to reimburse me to make the missing payment. I really need help resolving this issue but the representatives at Bank of the West are not able to understand that I have not been reversed the XXXX statement even when I am providing my XXXX XXXX statement which clearly shows that the payment was made.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5224676", "source": "cfpb", "group_id": "cfpb/6ecfaeb2152719cd43c4", "variant": "clean", "length_bucket": "medium", "chars": 1935, "company": "BANK OF THE WEST", "date_received": "2022-02-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Billing problem", "text_sha256": "6ecfaeb2152719cd43c4ecd58f9f70fc6427a90ed3cc92f8ee7ed159d4502b17", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My mortgage is serviced by My Loan Care of Lakeview Loan Servicing LLC : Lakeview Loan Servicing, Attn : Mortgage Resolution, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. \n\nI began calling XXXX customer service on XX/XX/XXXX when I saw that they had only paid half of my XXXX County property taxes on XX/XX/XXXX. Please be aware that 1 ) They  had paid my taxes in full in both XX/XX/XXXX and XX/XX/XXXX and 2 ) that in XX/XX/XXXX they sent me an Escrow Shortage letter requesting {$250.00} in order to have sufficient funds in XX/XX/XXXX to pay my taxes ( enclosed ). I called numerous times, advising that it was urgent that my taxes be paid prior to XX/XX/XXXX in order to receive the discount on the property tax payment. \n\nWell XX/XX/XXXX came and went with no response, resolution, or payment, and I lost the {$18.00} discount offered on the second half of my property taxes. I spoke with a Supervisor approximately XX/XX/XXXX who advised that he would submit for a credit to my account of {$18.00} for the issue. I proceeded to call every few days for the next 10 days or so, looking for an update and there continued to be no response to the payment of the taxes or the {$18.00} credit issue. At that time, I spoke with another supervisor, wherein I was voicing to her my frustrations at the previous events thus far and the lack of being unable to take care of my taxes myself. She then recommended that I close my escrow and that I could then pay them myself. She sent me an email with the information on how to do so. \n\nI then submit the request to close my escrow. I was mailed the escrow balance of {$3200.00} in two weeks! Two weeks to refund me that money but it had been 4 weeks since I called asking my taxes to be paid and 2 weeks since I was promised the {$18.00} credit, neither of which was resolved. So when I got the escrow check, I immediately called to ask if the {$18.00} was included first and I was advised it was not. \n\nI continued to call for weeks and weeks, having to repeat the story over, and over, and over and every time I kept being told that there was no response or resolution yet as to the {$18.00}. On XX/XX/XXXX, I demanded a Manager over the supervisor. Well she gets on the phone and tells me the following : 1 ) Yes, they made a mistake in not paying my taxes in full in XX/XX/XXXX. 2 ) That no one ever could have paid the second half of my taxes because only one large lump payment is sent once a year and since they messed up, it was impossible for the second half to be paid. ( When I asked why no one has EVER mentioned that before, she said she didnt know. ) 3 ) She admits XXXX owes me {$18.00} for failing to pay my taxes in full in XX/XX/XXXX. 4 ) THEN she tells me I can not have the {$18.00} because my escrow was closed! THAT IS NOT FAIR. I closed the escrow at the recommendation of a Loancare supervisor in order to PAY MY TAXES that XXXX was refusing to resolve! \n\nI have spent over 30 phone calls, over 20 hours on the phone, to get this resolved and they are just going to admit they were wrong and owe me money yet refuse to give it to me. I demanded to be escalated over that Manager on  XX/XX/XXXX and she said she submitted it. \n\nI also sent an email through the Website last week, and no response to that. I called yesterday on XX/XX/XXXX at XXXX and put in the automated response for a call back and no one called back. Today, XX/XX/XXXX still no one had called me back. They continue to conveniently ignore me. I called today, XX/XX/XXXX. Had to once again repeat EVERYTHING to both a front line CSR and to a Supervisor, XXXX. The supervisor had nothing to say expect repeatedly stating I was told on the XX/XX/XXXX that I would not be getting the credit. She had no Manager available to escalate the call to, how convenient for them again. Supposedly I will get a call back from her Manager within 24 hours, however, with my past experiences over the last 3 months, I highly doubt that to be true. \n\nI do not know what else to do. How can this large corporation ethically withhold money due to me, that they admit they messed up and owe me, and choose to do nothing and get away with 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": "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/3043140", "source": "cfpb", "group_id": "cfpb/f10f34b67f52bdb7b4d9", "variant": "clean", "length_bucket": "long", "chars": 4149, "company": "LAKEVIEW LOAN SERVICING, LLC", "date_received": "2018-10-11", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "f10f34b67f52bdb7b4d962a20ce50d60bf5544c53d44e58a45d96b70ecbb0631", "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 had a crazy and unbelievably drawn-out ordeal with Newrez LLC . I am writing to make a formal complaint against Newrez LLC. Please allow this letter to serve as my complaint of discrimination, gender bias and failure to provide me with satisfactory service in the process of refinancing my home causing me financial hardships. \nMy complaint of discrimination, gender bias, and dissatisfactory service includes the following : Refinance application was completed on XX/XX/XXXX. Newrez took 3 months and 9 days to deny my refinance loan all the while giving me emails stating that the loan was approved and closing. Leading me on that the loan was closing on XX/XX/XXXX, once we got close to the closing date everything fell apart. Processor said that underwriter 's concern was that not all the properties sold were in my name, most of the properties are in my husbands name. Husband is not on application so we cant use his capital gains income. Processor called and asked if we could add my husband to the loan. I explained to the processor that I did not need to add my husband to the loan, because I was more than qualified for this loan on my own. I emailed him the guidelines for verification of capital gains and told him that according to the guidelines I qualify for the loan on my own. After this communication with the processor and the email I sent him about capital gains guidelines and not adding my husband it was radio silence and no communication from MLO or processor from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I received an email from processor stating that the underwriter is trying to turn the file down. Per processor the underwriter stated the only 1/3 of the properties on the last two years tax returns ( XXXX XXXX ) are reflected with the borrower as owner. Her husband is not an applicant so we cant use his capital gains income. I corrected the processor that 2/3 of the properties are in my name. I also told the processor this needed to go to a manager or/and compliance this has gone too far and demanded to speak to someone that could explain to me what was going on because it seems to be an underline reason that this loan is not closed. However I didnt know that the loan was denied until XX/XX/XXXX when I received an email from the processor stating he was sorry, but the underwriter denied the loan. I received a credit denial letter dated XX/XX/XXXX. So, it looks like Newrez back dated my denial letter, because the processor was still requesting more documents on XX/XX/XXXX even though my loan was denied on XX/XX/XXXX. The postage date on the envelope is XX/XX/XXXX the same day I requested the Managers name, email and telephone number. So, Newrez issued my denial letter on XX/XX/XXXX and didnt mail it until XX/XX/XXXX, 6 days later. I was totally disappointed and disgusted because at this point the gender bias, discrimination and violations were very obvious. \n\n\nI emailed the sales manager ; he called me once he returned from vacation. I explained to him the above events. The sales manager held a meeting with the underwriting manager to review the loan and they stated the loan could be approved. The sales manager stated they would start a new loan and would have all the documents moved from the inactive account to the new loan. The sales manager requested the following items insurance policies on all my other properties and a copy of the XXXX on my husbands business who is not on the loan. I stated to him that my husband is not on the loan and I have no ownership interest in his business. The sales manager stated he had to have the XXXX information per underwriting. Once again a violation requesting and collecting specific personal information about an applicant that has no bearing on the applicants ability or willingness to repay the loan. I received a conditional approval on XX/XX/XXXX asking for the same conditions that had already been upload to the system on the first loan. Advised new processor I could not see the new loan on Newrez portal in order to upload documents and asked her to get the system updated. Sent several email between XX/XX/XXXX to XX/XX/XXXX to find out the update on the loan since I could not see the new loan on the portal and asking how long it would take. I was told still waiting. Received email from processor on XX/XX/XXXX that the underwriting stated they are unable to use my current salary ( XXXX income ) for qualifying since I am paid a variable rate. Per processor this put my debt to income over the threshold for approval. The processor asked do you have additional income that you have not provided. Is it an option to put your husband on the loan with you? Once again Newrez is trying to bully me and/or force me to add my husband to the loan.\n\nI emailed the processor the following response : I am not sure what you mean by I get paid a variable rate. I get {$410.00} every week, except when I was out on temporary XXXX, which I disclosed with documentation. My short term XXXX was {$900.00} a week. \nI am not sure what kind of business you guys are doing over there, but this is the last straw! I have been waiting for you to make a decision and close my refinance since XXXX. Now, the Underwriter says she can't use my income... that's a joke! Newrez has been out of compliance since XXXX. I have been more than patient with Newrez. Seems like there is some other underline reason this loan has not been closed by now. I am a licensed mortgage loan officer and I know that I am qualified for this loan. So, now I will be taking this situation to the next level!!!! \n\n\nOn XX/XX/XXXX I requested a copy of both of the denial letters and the application from the processor. Shortly after Newrez received my email I sent requesting the above items I received email from the Mortgage Loan Officer that has not had any communication with me for most of the process, requesting additional documentation. I emailed the MLO that I am confused the loan was denied why are you requesting additional documentation? The MLO emailed me back the loan is still active. So, after I told Newrez that I was a licensed Mortgage Loan Officer and I know that I was qualified for the loan they found a way to process and close the loan after six months. However, I never could see the loan in the portal and I found out later why I could not see the loan on the Newrez portal. Newrez imposed different conditions on my loan based on discrimination and gender bias, reducing the loan amount from {$370000.00} to {$350000.00}. The loan amount should have been 80 % of the appraisal value {$460000.00}. Once I realized what they had done it was a few days before closing at this point. I emailed the processor asking why the loan amount had been changed, with no response and this refinance had already caused me financial difficulties. So, enough was enough and I just closed the loan! \n\nThis situation has caused me and my family financial issues. The reason for the refinance was to pay off debts and to pay taxes owned for XXXX. Due to this being a 6 month process I have had to pay additional fees and interest for the federal and states taxes along with the credit cards. Because the loan amount was reduced I did not have enough to pay off the tax bills, which I will be incurring an additional late fee. \n\n\nConsidering these blatant violations and display of gender bias and discrimination and the all-around failure to provide satisfactory service. Newrez should be heavily fined to discourage them from doing this to another borrower. Nothing about my loan changed from XX/XX/XXXX to XX/XX/XXXX with the ability to approve the refinance, except I incurred more debt while waiting for the loan to be approved. However, Newrez approved my refinance once they found out I was a licensed Mortgage Loan Officer, it seems Newrez approved my loan to cover up their disgusting behavior of discriminations, gender bias and violations!! So, Newrez should have approved this loan in XXXX or XXXX and been closed by no later than XX/XX/XXXX. \n\n\nSo, in conclusion I understand that this compliant will be formally investigated. I look forward to hearing from you as soon as possible to resolve this problem. Please see attached emails I have several additional emails if needed. In the meantime, if you need any further information from me, please do not hesitate to call me at XXXX or email me at XXXX. \n\n\nI look forward to hearing from you soon. \n\nSincerely, XXXX XXXX XXXX XXXX : Attached emails and screen shots", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4865979", "source": "cfpb", "group_id": "cfpb/4dce3e4f4630f7866fcb", "variant": "clean", "length_bucket": "long", "chars": 8536, "company": "Shellpoint Partners, LLC", "date_received": "2021-11-01", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "", "text_sha256": "4dce3e4f4630f7866fcbb8b7577d4cb1e54a638b96d6a6201e7938851fc81d92", "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 pre-approved for {$52000.00} with XXXX XXXX XXXX XXXX. On XX/XX/XXXX I found a car for sale that meet my monthly payment criteria with all the desired add-ons. Using the XXXX XXXX XXXX portal I reached out the dealership XXXXXXXX XXXX XXXX XXXX XXXX  to confirm availability and schedule a test drive. That day I went up to the dealership to finalize the consumer sale transaction. \nI was violated by XXXX XXXX XXXX of XXXX XXXX. On XX/XX/XXXX I was in need of a vehicle and decided to go with XXXX XXXX XXXX. Using their auto locator website I found a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX XXXX. Agreed upon price {$19000.00}. Or so I was mislead to believe that was the agreed purchase price for everything we ( the Sales Associate XXXX XXXX and I ) had discussed and went back forth about, had agreed to. Until his Sales manager came into the transaction. \n\nMy application for an auto loan with XXXX XXXX was pre approved. When I presented my pre-approval information the XXXX XXXX XXXX asked me for my ID and to complete a one page piece of paper, he stated was in order to bring up my pre-approval information. This was false and misleading information pertaining what was need to access my pre-approval as my pre-approval letter states to simply provide them this letter with my confirmation information on it and the dealership will call XXXX XXXX once I have selected a vehicle. He later asked me to email him this letter to XXXX. He also stated several times during my time at the dealership all vehicle at XXXX XXXX XXXX come with Paint and interior protection. This provides peace of mind when it comes to damages outside or inside all of our vehicles, he stated this four times. Twice outside prior to me agreeing to a test drive. Again when I returned from the test drive and we were going back into the office building. Then once again while sitting at his desk while I was waiting for the Sales Manager to bring the terms of my XXXX XXXX XXXX approval. \n\nThe Sales Manager violated me and my consumer rights during this consumer transaction several times. He informed me of false and misleading information pertaining to the requirements in order to complete the purchase of the vehicle using my preapproval. The Sales Manager stated that in order to move forward with my pre-approval with XXXX the bank required me to put a down payment of {$8000.00} on a Purchase price of {$19000.00} and that my interest rate would be 18.5 %. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. It is a fact that I was told that the cash down payment was the only way I could move forward with using my pre-approval finance I already obtain prior to arriving in their office. When I asked for a copy of these terms in writing, I was refused a copy. The manager then proceeded to inform me of other financing options and terms. After leaving the dealership I was able to go through my emails and my credit monitoring alerts informed me that my credit had been ran numerous times during my time at the dealership on XXXX XXXX XXXX PST. So now I have hard inquiries on my report when the XXXX XXXX and XXXX XXXX XXXX were the only two with my personal information. Per the congressional findings of Truth In Lending Act, The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to them and avoid the uninformed use of credit. The Sales Manager stole my identity to offer other financing options that did not benefit me, was not requested by me, nor authorized. None were within the payment range I stated several times my budget could allow for. The Sales Manager then informed me I was required to purchase extended warranties to be approved for financing options that would be closer to my price point. This information left me to be convinced a that my only option was to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that I didn't need ( had pre-approval ), didn't want ( I stated several times I did not want any extras ) or can't afford ( I stated my budget and the max I could afford, which is why I wanted to see my terms from my approval with XXXX XXXX  it was well within my price range prior to me arriving in this office ). I am still receiving denial of credit letters for auto loan credit extension to this day steaming from this identity theft. \n\nWhen I asked for a copy of my consumer transaction file, I was told that I would get a copy of my signed contract and all documents withing 2-3 days via email. After 10 days I had to go back to the dealership to obtain a copy of my signed documents. When I arrive the Sales manager stated that they did not have my email, which is absolutely false. As I emailed them my proof of insurance, which they required of me before I was able to complete the transaction. Also emailed them a copy of my XXXX pre-approval letter to facilitate the completion of my pre-approval application. \n\nOnce I had a copy of my consumer transaction paperwork, I was able to look further into the documents. I have found so many inaccuracies regarding the information example the credit application that has a signature, not mine as I do not sign with ANY letters directly on top of each other, I also do not use the leading 0 when writing the day for dates ( compare my signature on other the pages ) that I did not fill, submit, nor sign at the time of sale. \n\nI was never given a full breakdown of what was included in the finance charge in either contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. Any fraud vitiates the entire financial transaction. Finance charge is on money given to you, not credit transactions Agreement has finance charges by the finance company in this case XXXX XXXX XXXX, committed predatory lending in a consumer credit transaction under Regulation Z. Pursuant to15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. How is it possible to be in agreement/contract with three entities regarding the same vehicle? Proof will be provided. CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) TD Auto very first correspondence was an attempt to collect a debt and no disclosures were provided. \n\nXXXX It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a. It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts. It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy. It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return all payments made in relation to this contract as well as take all required action to reflect the termination of your security interest that was created by this consumer credit transaction. \n\nOn XX/XX/XXXX I mailed the following letter to both XXXX XXXX XXXX and TD Auto Finance via certified mail. TD Auto received this letter on XX/XX/XXXX at XXXX  ( Tracking number XXXX ). XXXX  received this letter XXXX XXXX XXXX XXXX Tracking number XXXX ). As of XX/XX/XXXX I have received a letter from XXXX which does not address what my letter has requested. TD Auto has still not responded, validated the debt, update my consumer report to reflect that this account is disputed and has violated FDCPA Section 805 ( a ) ( 3 ) and FDCA Section 1006.6 ( b ) ( 3 ) laws by continuing to attempt to collect on this fraudulent debt. Also contacting me at work even after I notified them, several times. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX TD AUTO FINANACE Re : Acct # XXXX Make of car : XXXX Model : XXXX XXXX # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately. \nTD Auto Fin XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), 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. \nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account and transactions. This vehicle was purchased at XXXX on XX/XX/XXXX. \n\nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 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 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\nXXXX did not disclose this information to me that is required by federal law. \nXXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. \nXXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations 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 reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. \n\n\n\nBest Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX of a Debt Request Pursuant to 15 USC 1692g.\n\nBE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. \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 your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark ( s ) is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).\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, during which time all collection activity shall 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 any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. \nIf your office fails 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\nSincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. \nXXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants TD AUTO FINANACE the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open. \nHave any insurance claims been made by any creditor regarding this account? \no Yes o No Have any Judgements been obtained by any creditor regarding this account? \no Yes o No Please provide me the name and address of the bonding agent for TD AUTO FINANACE, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.\n\nPlease allow 30 calendar days for processing after I receive this information. \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": "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/7117620", "source": "cfpb", "group_id": "cfpb/1462005617406f868c59", "variant": "clean", "length_bucket": "long", "chars": 17414, "company": "TD BANK US HOLDING COMPANY", "date_received": "2023-06-14", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "1462005617406f868c59ff4ef453d9f6f14090579544af5b73a5b5f475fdf72c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was charged for two overdraft fees, over the course of a week, by Citibank. I understand the reasoning for the first overdraft fee, but the second was unfair, and their customer service department is not helpful. Their treatment of me as a customer lead to me closing my checking and savings accounts. \n\nMy first overdraft fee charge was correct - I did have a negative fund and Citi \" helped '' pay for my purchase. Ironically, that purchase was an autopayment for my citibank credit card. Then, XXXX tried to make a payment for {$2.00}. The payment was declined, but citi still charged me an overdraft fee for an attempted payment. I found this to be really unfair, and contacted the company multiple times. Their customer service would say they're transferring me somewhere, to only never be helped after waiting for 40+ minutes or hung up on ; literally hung up on ; or just plain unhelpful / non-empathetic employees. I did close my checking and savings, but they didn't care at all. For such a large company, they think they can get away with treating their customers poorly. I've been banking with them since I was XXXX and wanted to use them for mortgage, but they lost a customer for life. I'd never recommend my extended family to use Citi Even attempting to get copies of my record was difficult. The customer service team went above and beyond to ensure I had a bad experience. I could not obtain full copies, and they even went as far to purposely unlink my account before I could download the records 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": "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/3455047", "source": "cfpb", "group_id": "cfpb/11ab7b43b5ae2116e2c5", "variant": "clean", "length_bucket": "medium", "chars": 1524, "company": "CITIBANK, N.A.", "date_received": "2019-12-01", "product_raw": "Checking or savings account", "issue_raw": "Problem caused by your funds being low", "sub_issue_raw": "Overdrafts and overdraft fees", "text_sha256": "11ab7b43b5ae2116e2c551eeac30ae45e13e99f5ba3f8ee111940cb18e42034a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Portfolio Recovery Associates , LLC ( XXXX ) claims to have investigated the complaints and verified the PRA accounts ending in XXXX and XXXX, the accuracy of the information they furnished regarding the accounts. \n\nBut have failed to provide my any documentation proving so. No original contract no purchase agreement not a single document providing the have the legal right to collect this debt. \n\nMy contact Information regarding this debt was obtained illegally as a form of aggravated I identity theft. PRA confessed Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX. I never gave XXXX  XXXX permission to give any information to this company. I never gave PRA permission to request my information in any compacity per 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.\n\n( 1 ) In general.\n\nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n( XXXX ) XXXX offense. \nWhoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\nI never gave this company person to contact me or furnish data on my behalf. I have never even been contacted to dispute the collection of this debt PRA claims to have sent its initial notification letter to our customer on or about XX/XX/XXXX, XXXX but I received no record of this no tracking number no documentation at all presented. I have never received any thing due this company XX/XX/XXXX. Please provide documentation proving this initial communication has been sent and received XX/XX/XXXX XXXX. PRA confessed to another crime .. we purchased the accounts and obligations XXXX XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX. \nXXXX XXXX and PRA is required to validate the accounts.\n\nThat is a violation of contract Law!! If there is an alleged contract between both parties A ( XXXX XXXXXXXX ) and B ( XXXXl XXXX ) .. XXXX XXXX has not lawful right to sell that contract with out first obtaining written consent and per mission to do so which I have never provided. PRA must provide A bilateral contract. Which is is an agreement that binds two or more parties legally on pre-decided terms and conditions.. signed and dated with all three parties to PROVE they have legal right to collect this debt. 31 U.S. Code 3718 - Contracts for collection services. this company has been illegally conspiring with XXXX XXXXXXXX in an attempt to force Me to pay them a debt I do not owe. This account was formed illegally! I demand it be XXXX out and removed 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": "debt_not_owed", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/9043137", "source": "cfpb", "group_id": "cfpb/ec5312ca5877cd5b9a25", "variant": "clean", "length_bucket": "medium", "chars": 3156, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2024-05-18", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "ec5312ca5877cd5b9a2567c6c22efc23ee719bfc4f41415074db260de4b7ee7e", "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 your help with my student loan lender, Discover. Discover is asking me to pay them {$1200.00} a month to repay my loans, when I make {$1600.00} a month. According to the FAFSA, our family made just enough to not really need assistance, but not nearly enough to actually pay for it. My mom was a single parent with XXXX kids, XXXX of which had already begun college, which she co-signed for and supported them throughout. By the time it was my turn, she was almost maxed out of being able to co-sign, and making {$70000.00} a year does not pay for XXXX college tuitions and a mortgage. I took out private loans through Discover since FAFSA did not cover much of my tuition, but halfway through school my mom could no longer co-sign. She is the sole caretaker and always had been, so I had no one else to turn to for help. I had to take a semester off since I couldnt afford it. Eventually I had no choice but to ask my grandparents, who live in rural southeastern Ohio and still live in the house they build themselves XXXX years ago and who also dont have the means to support a financial burden like this. They agreed to co-sign on the loan and it went through, but now I had yet another stressor. Not only did I have to make sure I paid all my loans back on time after school, but now my grandparents were involved and worried about it all. \n\nFast forward to XX/XX/XXXX. I had one class to go before graduating. Since it was only one class, I decided to take it online and move to Delaware to work for XXXX XXXX XXXX and live with my dad, who is divorced from my mom. While there, I was hit head-on by a drunk driver and sustained multiple injuries, including a XXXX XXXX, torn XXXX XXXX, and a XXXX XXXX XXXX. Both the XXXX XXXX and XXXX   required XXXX and months of XXXX XXXX on top of the physical pain and emotional trauma I felt afterwards. I had nightmares about the accident and still get extreme anxiety in a car. Due to the accident, I spent XX/XX/XXXXrecovering from my injuries and worked part-time. This is the year when the trouble with my loans began. \n\nOut-of-state tuition at XXXX, plus living stipend and other expenses, totaled roughly {$36000.00} per year. The monthly payments Discover demanded of me were between XXXX XXXX-XXXX. \n\nTypically, after graduation, a borrower is given a six-month grace period until they need to start paying on the loans. Since I had taken time off after graduating due to my severe injuries from the drunk driver, I couldnt afford to repay my loan since I was unable to work full-time. I was forced to use my grace period during the months I was recovering from injuries. When that was up, I was able to apply for repayment options. Due to my injuries and low income, I qualified for hardship assistance and that gave me another six months of no payments. \n\nIn XX/XX/XXXX I began the last class I needed to graduate, along with a few graduate level classes and a job working with my professor. Being in school, I was able to freeze my payments as well which helped for those four months. \n\nShortly after graduating, I found a job in XXXX and moved back from South Carolina. I now work for XXXX XXXX XXXX doing environmental monitoring for quality control. When I alerted Discover that I had a job, they set my monthly payments again between XXXX XXXX-XXXX. My annual salary upon starting in XX/XX/XXXX was XX/XX/XXXX-XX/XX/XXXX after taxes, equaling roughly {$1600.00} per month. I sent in pay stubs to Discover to show my income and prove that I couldnt pay the monthly amount, and they lowered it based off my income. I had no delinquent payments, and my income has not changed, yet in XX/XX/XXXX they changed my monthly payment back up to XXXX XXXX-XXXX. Upon seeing this, I called Discover, told them my situation had not changed and that I am still making the same amount of money, and they told me there was no other option. They told me the only way I could qualify for another 6-12 months of lowered payments is if I pay the full amount requested, on time, each month, for at least 6 months -- an impossible request. Even if I were somehow to miraculously give them my entire monthly pay, not needing to pay rent and other bills, I still wouldnt be able to pay on time because my paycheck is broken up into two paychecks. Therefore, forgetting my other bills such as rent, utilities and a car to get to work, and putting all the money I make into my loans, I still would never qualify for lowered payments because I wouldnt be able to make the full amount payment on time for six months. \n\nIt's like a vicious trap you cant get out of. I cant pay the full amount because I dont make nearly enough money, yet the only way to get a lowered payment is by paying the full amount. That doesnt make any sense. My only option was to pay what I could on the loans every payday, and hope my credit didnt plummet from the lack of complete payments and not being on time. Since this started, Discover has been harassing my grandparents trying to get them to make my payments. My grandparents were afraid and didnt know what to do, so they pulled money from their Social Security and paid a loan they co-signed for me. With interest, the original {$15000.00} loan, cost them {$30000.00}. Since paying off the loan they co-signed for, Discover still continues to contact them and harass them about making payments. When confronted about it, Discover said they had NO RECORD of them paying the loan! My grandparents have the bill and proof of payment, and it still wont stop. Not only are they harassing me with phone calls daily, when Ive repeatedly proved my income and am making what payments I can, but they have somehow lost the record of my grandparents payment and wont leave them alone either. \n\nIs there any way you can intervene on my behalf with Discover to see if they can be flexible and give me a more reasonable payment schedule that doesnt bankrupt me? I would be so appreciative for any assistance and am writing because I dont know how to get Discover to have some understanding of what my life situation is like.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3144500", "source": "cfpb", "group_id": "cfpb/926d228f8cb91141f45b", "variant": "clean", "length_bucket": "long", "chars": 6099, "company": "DISCOVER BANK", "date_received": "2019-02-06", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "926d228f8cb91141f45b1c060206d12ca868068c52d122c409a8df760b7f909c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Experian Did not do what they said they would do in my 1st or 2nd Complaint! They have my SS # blocked where I am not able to call to speak with a person about a dispute that came back on my report. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! Please refer to my complaints # XXXX and # XXXX. They are sending a general response and NOT fixing the 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": "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/3876438", "source": "cfpb", "group_id": "cfpb/1da31cfc7743898dc680", "variant": "clean", "length_bucket": "short", "chars": 699, "company": "Experian Information Solutions Inc.", "date_received": "2020-10-01", "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": "Difficulty submitting a dispute or getting information about a dispute over the phone", "text_sha256": "1da31cfc7743898dc6800ae9549c87e8bff016306178e3bbba43ec87117b31f7", "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. TransUnion 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 XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 88 times in the last 120 days. transunion 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 n now im homeless n cant provide to my XXXX year old 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 XXXX AND XXXX AND TRANSUNION 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/6492188", "source": "cfpb", "group_id": "cfpb/6c3e64824d45ec7f21f3", "variant": "clean", "length_bucket": "long", "chars": 5878, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-01-26", "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": "6c3e64824d45ec7f21f3238836042ae707b4601b2b2ef87b30f6aeca03358fb1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Sun Trust Bank denied our home purchase loan and the reason is due to \" previous relationship ''. Since we never had any dispute with Sun Trust, our credit score is high and debt to income ratio is low, we contacted Sun Trust Bank asking for an explanation. However, Sun Trust Bank loan officer never explain to us and just ask us not to contact her. We suspect that our identity were stolen or other misunderstanding that caused the denial, so we really want Sun Trust to provide more information to prevent further damage. However the only thing they do is to act rude and treat us unfairly.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2820130", "source": "cfpb", "group_id": "cfpb/212f92c49f1e1f8f33d8", "variant": "clean", "length_bucket": "short", "chars": 593, "company": "SUNTRUST BANKS, INC.", "date_received": "2018-02-20", "product_raw": "Mortgage", "issue_raw": "Closing on a mortgage", "sub_issue_raw": "", "text_sha256": "212f92c49f1e1f8f33d81037e8ae6a443da2d001602edb6e3723064cc624e842", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I received a phone call on XX/XX/2021 at XXXX am from Summit Horizon Financial Service regarding a Student Loan Forgiveness program. Upon talking to them and trying to tell them that I was interested and I wanted more information before I agreed to anything they forced me to give them my credit card number and sign a contract which I did not agree upon. They told me they will charge my card {$150.00} for 6 months and did not explain to me what will happen after. \n\nOn XXXX, XXXX, 2021, I found out they charged my credit card and created a new XXXX account. I did not agree to them creating a new XXXX account. Upon finding out this, I attempted to contact Summit Horizon Financial company to cancel the contract but only got the answering machine then I contacted XXXX directly and told them the situation. A consumer representative from XXXX promptly closed the account that Summit Horizon Financial created then told me to report this to ftc and consumerfinance.gov. I will be a dispute the charge on my credit card. \n\nThe website information of Summit Horizon Financial Services is http : XXXX The phone number they had contacted me through is XXXX XXXX XXXX XXXX although on the website it is 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": "lender_or_servicer", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/4169636", "source": "cfpb", "group_id": "cfpb/63a2ad5cbe3ef11ab416", "variant": "clean", "length_bucket": "medium", "chars": 1221, "company": "Summit Horizon Financial Services", "date_received": "2021-02-26", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "63a2ad5cbe3ef11ab41658afa7b8cb74bae239ee3980e1063f0b8c989fa76d63", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Applying for mortgage with a company and I have information that I am currently disputing on my credit report, but company keeps pulling hard credit report report which appears that I have nurmurous inquires and lowering my credit score.  should seek permission for updates and I am going through consumer fiance to resolve issues in an effort not to dicress my scores", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3272105", "source": "cfpb", "group_id": "cfpb/8293fb4e613bc5e0f2af", "variant": "clean", "length_bucket": "short", "chars": 368, "company": "Experian Information Solutions Inc.", "date_received": "2019-06-12", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Problem with a company's investigation into an existing issue", "sub_issue_raw": "Their investigation did not fix an error on your report", "text_sha256": "8293fb4e613bc5e0f2af68e07fcafbbe1eaa2d3ea39cfc7fd2bcb4856e5d3415", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am disputing the \" charged off '' that Chase has reported to my credit report. \n( Please see attached credit report. ) I scheduled a payment by phone for the next to the last payment on my car loan. The check was dated for XX/XX/XXXX. On or around XX/XX/XXXX, I called Chase to follow-up and they asked me to call the following week if it had not cleared. The check was presented on and deducted from my account on XX/XX/XXXX. ( Please see attached bank statement. ) Therefore, I did not call Chase because the check for {$240.00} had cleared. However, upon checking my checking account on XX/XX/XXXX, I found that XXXX XXXX reversed the payment I made to Chase and when I called Chase to inquire, they said they had not received any information on the reversal. I called XXXX XXXX and they indicated that a reversal was made due to a XXXX XXXX XXXX error. On XX/XX/XXXX, XXXX XXXX issued a Notice of Processing Error letter whereby XXXX XXXX recognizes the error, and is apologizing to JP Morgan Chase for their processing error and, furthermore, states, \" The return of this check should in no way reflect upon this customer 's financial integrity. We apologize for any inconvenience this may have caused. \nOn behalf of our customer Please reverse any fees that may have been charged. We appreciate your cooperation. '' ( Please see attached XXXX XXXX letter. ) On XX/XX/XXXX, I called Chase and spoke with XXXX, ID No. XXXX, a Chase Representative, who provided instructions on where to send the payoff payment, which included the payment issued in XX/XX/XXXX of {$240.00}. This amount had to be paid in XX/XX/XXXX so that the loan would not charge-off. XXXX took all the information I gave her regarding the XXXX XXXX error and said she would pass it on to another department and I would have to follow up later. I followed up in XX/XX/XXXX and XX/XX/XXXX but did not get any information as to whether the \" charge off '' would be removed from my credit report. On that same day, as promised to XXXX, I wired {$1700.00} as a payoff for the loan. \nI am disputing the charge off since I made the monthly payment of XXXX scheduled for XX/XX/XXXX as promised. I did everything I had to do on my part to make sure that my payment was made so it would not charge off. \nI made the payment in good faith and it was presented and, according to my bank statement ( see attached ) it was paid from my account on XX/XX/XXXX. XXXX XXXX explained, due to a processing error, the payment was reversed. \nI received a letter from Chase, dated XX/XX/XXXX asking me for payment. I received a letter from Chase dated XX/XX/XXXX that my loan was paid in full. I followed up asking about the \" charge off '' but no one in the Credit Dispute Department could provide information as to credit reporting status. Another letter dated XX/XX/XXXX arrived informing that \" your account reported correctly and does not need corrections. '' I also called several times after that but was left holding on or I was not given an accurate response regarding the charge off and my credit report. Recently, upon checking my credit report, I found that the charge off is being reported on my credit report. \nI am requesting that CFPB intercede on my behalf as I feel that JP Morgan Chase is recklessly ruining my credit, indicating a \" charge off '', which does not reflect any fault on my part, but that of XXXX XXXX XXXX, who admitted to and issued a letter for a Processing Error, and moreover, states that this error should in no way reflect upon my financial integrity. ( See XXXX XXXX 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": "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/2975631", "source": "cfpb", "group_id": "cfpb/56c5d22eb0ef7c25a71b", "variant": "clean", "length_bucket": "medium", "chars": 3568, "company": "JPMORGAN CHASE & CO.", "date_received": "2018-07-27", "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": "56c5d22eb0ef7c25a71b1d895bf4e37f3fe71b0b11b473a57b2a398cfdcb83f4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased and 2010 XXXX XXXX from JPMorgan Chase for my daughter in college. While paying for that car, I began to struggle and I called Chase. Chase helped me by putting one of my car payments at the end of the loan. The last payment was XX/XX/XXXX. So, being that that payment was put at the end of the loan, my last payment date would be XX/XX/XXXX. After XX/XX/XXXX, I received calls to make my payment. I asked one of the representatives could I pay that last payment XX/XX/XXXX and I was told \" yes. '' I also made that representative aware that I was working extra time and she assured me that I would be fine. So I paid that last payment of {$190.00} on XX/XX/XXXX. The following month XX/XX/XXXX. My credit score dropped tremendously. I found out that I was reported by Jpmorgan Chase for being 30 days late on my final payment of my auto loan. Upon calling Chase the representative was so rude and not trying to help me, so I then filed a dispute with the credit bureau. After around 30 days, I received a letter stating that my credit report was 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": "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/3316433", "source": "cfpb", "group_id": "cfpb/b36e22be34a7c484209d", "variant": "clean", "length_bucket": "short", "chars": 1068, "company": "JPMORGAN CHASE & CO.", "date_received": "2019-07-24", "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": "b36e22be34a7c484209d2ca8225e22ce60b3ff8da332ad1a655f16e249802f18", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Portfolio Recovery stated I owe them XXXX and the original company is XXXX XXXX XXXX XXXX. They stated I opened this account on XX/XX/XXXX but at this time I was incarcerated and there is no way I could have open this account. I do not have a sign contract nor do I have any contract with Portfolio Recovery nor do I owe XXXX XXXX XXXX. I have never did business with these companies. I am not liable for this collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3347863", "source": "cfpb", "group_id": "cfpb/8e55255b043660c10dc0", "variant": "clean", "length_bucket": "short", "chars": 516, "company": "PORTFOLIO RECOVERY ASSOCIATES INC", "date_received": "2019-08-20", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "8e55255b043660c10dc0716d5ea54569761b93181c5e2ea4d77e599860c3c363", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Applied for loan in XX/XX/2018 and had the following experience : 1.  Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. \n2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. \n3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. \n4. I answered the same questions 4-5 times, e.g. \" what bank does your pension check get deposited in? \". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. \n\n5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. \n\nDefinitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through 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": "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/2966027", "source": "cfpb", "group_id": "cfpb/0c93bffbc4f3a3c1ba6a", "variant": "clean", "length_bucket": "short", "chars": 1085, "company": "Avant Credit Corporation", "date_received": "2018-07-18", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "0c93bffbc4f3a3c1ba6a5e14a9130ba3aaac7e66aa0aa2a3b75c38e75e2c02ce", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2337611", "source": "cfpb", "group_id": "cfpb/4e7762076fbb785685c0", "variant": "clean", "length_bucket": "short", "chars": 1060, "company": "WESTERN UNION COMPANY, THE", "date_received": "2017-02-09", "product_raw": "Money transfers", "issue_raw": "Other transaction issues", "sub_issue_raw": "", "text_sha256": "4e7762076fbb785685c0df92cf65744e2850a609e1506fe2e72b66b1a6f90313", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I incurred a property insurance loss at my home, which caused water and mold to form in the crawlspace, as well as damage to the floors and substructure. On XX/XX/2018, I mailed my insurance claim check to SunTrust Mortgage and was informed on XX/XX/2018 that it was received. I was given an online account at XXXX XXXX XXXX whereby I was able to view the claim status and upload as well as verify any documentation necessary to process the claim and receive the funds in order to pay my contractor for the repairs. \nOn XX/XX/2018 ; however, after attempting to login to my account I was notified that \" my claim would require special handling '' and my online account access was revoked. The only option I was given was a phone number to call. \nFrom this point forward, communication has been an absolute nightmare. For over a month I stayed on the phone constantly, providing all documentation via fax since that was now my only option. Each time I called, I had to explain the entire situation again and again to the representative. No one would explain why the portal access was revoked. The only reason I was given was that the claim involved mold. Rather than provide MORE clarity and improve the experience, I was relegated to phone calls and fax transmissions with no way to verify the information. \nOver the entire month of XXXX and into XXXX, on XX/XX/XXXX in fact, I provided the documentation SunTrust asrequested, including but not limited to my contractor 's bid, release of lien, contractors state license as well as every other document SunTrust Mortgage required. On XX/XX/XXXX I submitted the \" final document '' I was told up to that point in time would be necessary to release the insurance claim from the escrow account so that I could finally pay my contractor. After calling to confirm receipt - again - the ONLY way I had to communicate, I was told that a 'final inspection '' was necessary before my insurance claim proceeds could be disbursed. I was given no other information ; no time frame, no idea when the inspector would call, or whom it had been assigned. \nBy this time the work had been completed for weeks and I could give no detail to my contractor other than what I was being told by SunTrust. I even went to the main branch office and explained the situation to the local banker in an attempt to resolve what can only be described as an incredibly confusing, misleading and deliberate attempt to delay and create chaos. I was informed that unfortunately, only the Loss Draft department in XXXX could access my claim and again, no one could help me or provide an explanation. I was stuck in limbo with no one to help. I felt intentionally mislead throughout this entire claim process and the fact that I had been both a SunTrust customer and mortgage client for over 15 years meant absolutely nothing to the various representatives. \nOn, XX/XX/XXXX, nine days after I was informed of the inspection, I called again to request an update and get information on the status. I was informed that it had been ordered on XX/XX/XXXX and would normally take three business days to complete. No one called me to schedule the inspection. I asked to speak to a supervisor and was placed on hold and then hung up on. I have been hung up on at least four separate times and although each time I call I have to verify that my phone number has not changed and that \" any time '' is the best time to call, NO ONE has called to provide me with any help or information. \nOn XX/XX/XXXX after threatening to file a formal complaint with every regulatory agency I could contact, I finally was put in touch with a supervisor, who identified herself as XXXX. She assured me that my claim would be escalated and someone would contact me to resolve it. This is nothing more than a repeated pattern of deception and lies. \nThe breakdown can be attributed to SunTrusts utter failure to address the claim process in a genuine, well-defined manner. Instead, SunTrust Mortgage chooses to : call from a restricted number so that communication is practically impossible, refuses to provide anything directly in writing to ensure that an excuse can be given when nothing progresses refuses to provide the inspectors contact information which would easily solve this conundrum allowing me to contact the vendor directly Makes additional unsubstantiated and unverified claims that an inspector has called me and left multiple messages. No one has called me to schedule an inspection and no one has left a voicemail on my phone attempting to schedule an inspection. \nToday is XX/XX/2018 at XXXX XXXX and again another week has passed and there is no one who has attempted to rectify this simple situation. \nI have been left no option other than to file this formal complaint in hopes that not only is this rectified but that other SunTrust Mortgage customers do not have a similar experience. It is truly the most frustrating and exasperating situation I have ever dealt with. I hope NO ONE has to experience what I have gone through. \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": "mortgage", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2971168", "source": "cfpb", "group_id": "cfpb/abc3049bac97a44fb8db", "variant": "clean", "length_bucket": "long", "chars": 5046, "company": "SUNTRUST BANKS, INC.", "date_received": "2018-07-23", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Problem with customer service", "sub_issue_raw": "", "text_sha256": "abc3049bac97a44fb8db3b42f697910160565584410ffb1cc1488a710f5e7093", "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 @ XXXX I went into the Wells Fargo Branch XXXX XXXX  XXXX XXXX, XXXX Ca XXXX and requested to pay off my car loan. The bank rep XXXX gave me the payoff of {$1000.00}, so I paid it in full. One minute later XXXX stated I had a remaining balance of {$64.00}, so I paid that balance. XXXX congratulated me for paying off the car and said it should take 6-8 weeks to receive my title. \n\nOn XX/XX/XXXX, I called Wells Fargo because It had been 5 months and I still had not received the title. I was transferred XXXX at the office of the President she stated that I still had a balance of {$270.00}. and 3 days earlier they charged -off my loan. I was furious, I insisted I did not want that on my credit report and paid it in full. XXXX took the payment over the phone during that call, I gave her my debit card acct number paid {$270.00}. \n\nXXXX stated that my car loan was reported late 4 months and the charge off was reported to the credit bureau. That is UNFAIR! I want that reporting fixed. \n\nXX/XX/XXXX I returned to the XXXX Branch and requested to speak to the branch manager, however XXXX XXXX is covering for Branch Manager XXXX XXXX. \nThe office of the President in Arizona employees XXXX and XXXX the researchers for Wells Fargo wanted statements from bank employees who assisted me. So, XXXX XXXX the Branch Manager stated XXXX did remember congratulating me on paying off my vehicle, but that's all she recalled. \n\nI finally received my Title/Pink Slip and the date issued was XX/XX/XXXX. That date is relevant because the XXXX week of XX/XX/XXXX, Wells Fargo reprocessed my vehicle due to a bank error. I had made my payments at that time via telephone and received confirmations for all my payments. My payment was {$500.00}. and I carried a floating balance of $ XXXXSo there was no reason the funds shouldn't have been released. \n\nWhen they repossessed my vehicle I honestly thought my car had been stolen. I new I had made my payments. I recieved a call from the recovery center, explaining where my car was located. So, my neighbor took me to get a rental car. \n\nXXXX I went to the nearest Wells Fargo Branch closest to the recovery center. I was assisted by Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Ca. XXXX. I spent 2 days sitting in the branch with XXXX as she went through my account with a fine tooth comb and she stated it was a bank error, and now they owed me my title. \n\nXXXX However last month XX/XX/XXXX I went back to the branch and spoke to XXXX XXXX XXXX XXXX  XXXX XXXX. She remembers me and stated she only assisted me in getting my car back. She looked at her notes but, didnt write anything incrementating that she told me in XXXX during that time. ( Bank Error ) Its very telling that Wells Fargo did issue me my title 2 weeks after they repossessed XXXX however it took them 3 years to mail it. \n\nIf I owned the title to my vehicle since XX/XX/XXXX, Wells Fargo owes me over {$18000.00}. For all the payments I have paid since XXXX XXXX interest. \n\nXX/XX/XXXX I was referred to The Office of The President for Wells Fargo case investigator XXXX XXXX In Arizona XXXX ext XXXX claim # XXXX. XXXX stated she would \" Research '' she apologize at that time for the mishandling on Wells Fargos part. XXXX stated she would contact the parties mentioned above and mail me a letter + email me her findings. \n\nXXXX I called XXXX XXXX last week in XXXX left messages because I have never received a email or letter she promised to send me regarding credit reporting, and payments I made, when Wells Fargo recognized in XXXX that I was due my title. She stated she has been sick, her son is sick and she hung up on me. It's been 6 weeks. \nI called 2 different attorneys and they recommended I file a complaint with Consumer Affairs. I filed with Consumer Affairs, and they encouraged me to contact your entity. They Consumer Affairs stated I have a legitimate complaint and should proceed. \nI sincerely appreciate any assistance. \n\nThank You, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ca. 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": "end_of_loan", "src": "cfpb_issue_vehicle_loan"}}, "_meta": {"id": "cfpb/3985784", "source": "cfpb", "group_id": "cfpb/2866e7761e591df70977", "variant": "clean", "length_bucket": "long", "chars": 4049, "company": "WELLS FARGO & COMPANY", "date_received": "2020-12-02", "product_raw": "Vehicle loan or lease", "issue_raw": "Problems at the end of the loan or lease", "sub_issue_raw": "Problem related to refinancing", "text_sha256": "2866e7761e591df709772c03d0a71c34d68cb09c3abbee643df6d665dd2331c2", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A consumer credit transaction isany loan, lease or sale under {$25000.00} primarily made for a personal, family or household purpose on which a finance charge is or may be assessed, or is payable in more than four installments. My loan amount is XXXX dollars. 15 usc 1679a2 Regulation Z- The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. You ONLY pay a finance charge for money that was given to you and not for an Auto loan that finance ALREADY PAID FOR and I left the car dealership with a vehicle.leads me to my down payment of XXXX dollars for the car that wasn't needed if the \" loan '' of the car was already paid by the auto finance company. 15 usc 1605 basically states that down payments are illegal. Under Regulation Z- Charges imposed on a creditor by another person for purchasing or accepting a consumer 's obligation, if the consumer is required to pay the charges in cash, as an addition to the obligation, or as a deduction from the proceeds of the obligation. So I assume US auto Sales was charge the finance charge and is making me pay for it. US Auto Sales added outrageous fee such as XXXX dollar service contract. Also 15 usc 6803 disclosure of institution privacy policy, I never get written permission for US Auto Sales to run my credit report. Another violation! To furthermore, I will execising my Right to Rescind since I never was given a Cancelation letter the date I \" purchased '' the vehicle. Regulation Z ( 12 CFR PART 1026.23 ) I have up to 3 years from purchased date. I got the car XX/XX/XXXX, I have until XX/XX/XXXX and toady is XX/XX/XXXX. Under the same USC I have my Right to a full refund within 10 business and the XXXX business I have all right to keep the vehicle if US Auto Sales doesn't comply. The consumer may exercise the right to rescind until midnight of the third business day following the occurrence described in paragraph ( a ) ( 1 ) of this section that gave rise to the right of rescission, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, XXXX whichever occurs last. If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. If thecreditorhas delivered any money or property, theconsumermay retain possession until thecreditorhas met itsobligationunderparagraph ( d ) ( 2 ) of this section. When thecreditorhas complied with that paragraph, theconsumershall tender the money or property to thecreditoror, where the latter would be impracticable or inequitable, tender its reasonable value. At theconsumer 's option, tender of property may be made at the location of the property or at theconsumer 's residence. Tender of money must be made at thecreditor 's designated place of business. If thecreditordoes not take possession of the money or property within XXXX calendar days after theconsumer 's tender, theconsumermay keep it without furtherobligation. I like my full refund of my down payment and the money I have paying for the car for the past 3 years. The total cash price US Auto Sales has me paying for the vehicle is {$36000.00} cents and I checked on XXXX XXXX XXXX and the car is only worth {$6000.00} I'm basically paying XXXX that for the duration of the loan. If I don't get a response I WILL GET A PROPER LAWYER AND SETTLE THIS MATTER IN COURT BUT I THINK US Auto Sales and I can come to an agreement. \nBest Regards, US Auto Sales Inc XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Leinholder- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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/6016607", "source": "cfpb", "group_id": "cfpb/e1a22dc68bc0e5df0dcd", "variant": "clean", "length_bucket": "long", "chars": 4137, "company": "U.S. Auto Sales Inc.", "date_received": "2022-09-24", "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": "e1a22dc68bc0e5df0dcd6bba5e86c68d47ba93f5cacf63570818831004aecbc4", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Received a call on my phone on XX/XX/XXXX, saying that I owed money from a loan that was granted to me XXXX, XXXX. The caller XXXX XXXX stayed her records showed that I received a loan from first financiaXXXX. I told her I have no recollection of this. And requested her to give me the the name of the company and it information. She gave me an address, I lived at 9 years ago. Then stated I gave my Banking information for electronic draft and there was insufficient funds. I asked for a copy of the transactions but was told that it was passed the collection period and in the hands of the Attorney and if I didnt pay {$1500.00} dollars I will be reported to the state for check fraud. After I told her I can not recalled this and wanted to get verification that someone didnt use my personal information. She gave me my full social security and the last 4 number of the checking account, I allegedly gave. But still was not able to tell me what company issued the loan. I went to my bank they informed me that checking account was closed in XXXX. According to the caller I obtained this loan in XXXX and they couldnt collect the money due to insufficient funds. They also gave me my husband name and said I used him as a reference. I told her I can not remember any such transaction, but I owed money that wasnt collected I would pay after clarifying the information. She said she will give me one more day to come up with the money. This person had all my personal and banking information. I believe this is a scam because she went from XXXX to XXXX. She was calling from XXXX and she stated she works for XXXX XXXX XXXX in XXXX XXXX and the firm was representing their client first Financial.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3180071", "source": "cfpb", "group_id": "cfpb/2c817c94deaaa4c88d8e", "variant": "clean", "length_bucket": "medium", "chars": 1697, "company": "Integrity Funding Ohio, LLC", "date_received": "2019-03-14", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Can't contact lender or servicer", "sub_issue_raw": "", "text_sha256": "2c817c94deaaa4c88d8e5fce98150e6852d4a71a954b83e9608b63b00892af8f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX  for XXXX   XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": {"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/3766945", "source": "cfpb", "group_id": "cfpb/0b0ce09952335a9201ed", "variant": "clean", "length_bucket": "short", "chars": 1196, "company": "M&T BANK CORPORATION", "date_received": "2020-07-28", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "0b0ce09952335a9201eddeec1a476203c3ca9c36acc3ddf5cae721cab5ed1734", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The loan was originally with XXXX and I received notice that effectiveXX/XX/XXXXBayview Loan Servicing will take over the mortgage. I was late paying XX/XX/XXXX payment so I sent XXXX XXXX AND XX/XX/XXXXpayment in one check with instructions in the memo section that the check was XX/XX/XXXXandXX/XX/XXXX. OnlyXX/XX/XXXX XXXX applied the check for XXXX 's payment and the remaining to my escrow account. Since that date I 've written multiple letters to XXXX and Bayview to have that money removed from the escrow account and placed towards a monthly payment to get my account up to date. XXXX has answered my letter and said since the account and escrow was turned over to Bayview then I must direct all questions and concerns to Bayview. I received a letter from Bayview saying they received my letter and they would answer it by XX/XX/XXXX. However, I then received a letter and notice of intent to foreclose if I 've not paid ( what I already paid ) by XX/XX/XXXX ; BEFORE they will even answer my letter and have them move the money that I already paid from the escrow account towards a monthly mortgage payment OR refund me the escrow so I can then send them a check. I saw no other option than to take out a loan so I could pay an additional monthly mortgage payment so my house is not taken 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/2687831", "source": "cfpb", "group_id": "cfpb/afae6988feead80d6a50", "variant": "clean", "length_bucket": "medium", "chars": 1307, "company": "Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)", "date_received": "2017-09-28", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "afae6988feead80d6a507c55236f60fd00578e3686fc900bbf99a9db4fd44004", "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 call from a man claiming to be from chase and asked if I had made a wire transfer. I said no so he walked me thru what he said was a reversal and had me note rev on the wire. I told him I wasnt comfortable and he told me to verify the number he called from was the number on the back of my chase debit card which it was. The wire was for {$3500.00} and a {$25.00} transaction fee. Once I realized I had been scammed I contacted chase on XX/XX/XXXX. Their wire fraud only communicates thru secure message on their app and they stated that the receiving bank, XXXX XXXX required a letter on indemnity. I was instructed to contact customer claims and ask that a letter be drafted and sent to XXXX XXXX. I did this on XX/XX/XXXX and was instructed to call be on XX/XX/XXXX to confirm the letter had been sent. When I called I was told that the letter had been drafted. I called again XX/XX/XXXX and was told that Chase no longer drafted such letters and it had been several years ago that they had stopped. I contacted thru secure message the wire fraud team and was told to once again contact customer claims. During this time period I had received 20 plus fraudulent calls from phone numbers associated with chase and I have had to shut off multiple debit cards over the last 3 months in fear of my card info being stolen.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6692757", "source": "cfpb", "group_id": "cfpb/ac2ecc3ece0f114f069d", "variant": "clean", "length_bucket": "medium", "chars": 1347, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-03-14", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "ac2ecc3ece0f114f069d0517c4973667af59b846b8a3be2bd6694aeac5858de0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear XXXX XXXX Services This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged XXXX immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile XXXX5 USC 1681b2. I opt-out of furnishing this offensive information to my report. As this is unfair and deceptive and abusive practices! I have never had a contract with you and if a contract does exist between XXXX XXXX XXXX XXXX XXXX XXXX and you please bring it forward. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST Security Credit Services 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) 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. Duty : a moral or legal obligation ; a responsibility XXXX : correct in all details ; exact. PROHIBITION : a law or regulation forbidding XXXX XXXX XXXX XXXX Says you XXXX XXXX XXXX XXXX XXXX furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW from furnishing inaccurate information XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX Code XXXX ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( 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. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX report. YOU HAVE XXXX Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Account name Acct # Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 U.S. Code 1692e - False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of anydebt ; or ( B ) any services rendered or compensation which may be lawfully received by anydebtcollector for the collection of adebt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect anydebtor to obtain information concerning aconsumer. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9858170", "source": "cfpb", "group_id": "cfpb/8836f1b89c9e9c69153b", "variant": "clean", "length_bucket": "long", "chars": 5741, "company": "Security Credit Services, LLC", "date_received": "2024-08-21", "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": "8836f1b89c9e9c69153bcc5445a396fe9b8d994ec2cd897f1d857c2bdf05a0df", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I 've been a faithful customer of Santander Bank since XX/XX/XXXX, when I opened a XXXX credit card with a promotional APR of 0 % for 24 month that expired around XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX paid the remaining balance of {$5700.00} in full ( which included {$110.00} of interest ) and in fact, over paid by {$4.00} on XX/XX/XXXX. The first payment for {$5600.00} was processed on XX/XX/XXXX leaving a remaining balance of {$110.00} on XX/XX/XXXX when I processed the final overpayment of {$110.00}. To my surprise, I received my statement today which showed an outstanding balance of {$36.00} ; an interest charge of {$40.00}, & the {$4.00} overpayment was credited to total leaving the balance at {$36.00}. \n\nI called Santander 's customer service line and explained to the customer service representative this was an over charge because I had cancelled the balance in full on XX/XX/XXXX and in fact over paid. The employee acknowledged this to be true but refused to issue the credit for {$36.00} to my account or file a dispute on my behalf, so I asked to be transferred to her manager who took the call and proceeded to re-verify my identity requesting my name, address, FULL Social security Number, phone number, date of birth and then asked my permission to view my credit report to continue verifying my identity which I agreed to. Upon asking me 4 additional security questions, one of which I was confused by, I responded with accurate information and she refused to assist me any further explaining I had to physically go in person at a branch to receive assistance with my account due to fraud potential on my account. When I asked her to clarify what this means and how this is possible she refused to explain, transfer me to her manager or escalate the call and instead transferred my call to the fraud dept. The Fraud Dept was unable to speak with me or assist me further. We ended the call and I called back and was told by the next representative and her supervisor XXXX, that there was a fraud alert on my account and the only way of removing this and getting customer service was by visiting a branch in person -- - even after explaining to her that I am XXXX XXXX and do not have the ability to visit a branch. Also, there are no branches in my area. XXXX then transferred me to his supervisor XXXX who repeated the same thing and insisted there was nothing she or anyone else could do to help me and that I 'd have to visit a branch in person. She proposed mailing in a notarized letter to their Fulfillment Office with my request, but explained I would still need to visit a branch in person because they do not follow up with customers after receiving these requests, and since my account had a fraud alert even if I called back to follow up with them they wo n't be able to speak with me over the phone or provide information about my claim/request due to the alert. I asked if there was a way of verifying my identity like the 1st representative did, with my name, address, full SSN, DOB, transaction history, or emailing/faxing/mailing copies of my ID + other proof of identity ( similar to the process the credit bureaus use to verify identity ) and she said no the only option is going in person. \n\nI told her I found it odd that when I applied for the credit card they were more than happy to process by phone without me visiting a branch or even providing proof of identification, suddenly when I have a claim about an overcharge to my acct, they give me such a hard time, making it inherently impossible to receive customer service and failing to provide XXXX customers with viable resolutions. I finally asked her to escalate my complaint and she offered to place one on my behalf which she did ( reference # XXXX ) however nobody has contacted/followed up in response. With each day that passes Santander will continue charging me 23 % interest upon the erroneous {$40.00} of interest I disputed in the first place, and I believe they know this and use this as a strategy to extort more money from customers who have paid them in full. Not to mention they are rudely insensitive to their customers and have no empathy for customer with medical limitations.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2731704", "source": "cfpb", "group_id": "cfpb/617dd99a4321e8f6db4d", "variant": "clean", "length_bucket": "long", "chars": 4197, "company": "SANTANDER BANK, NATIONAL ASSOCIATION", "date_received": "2017-11-17", "product_raw": "Credit card or prepaid card", "issue_raw": "Fees or interest", "sub_issue_raw": "Charged too much interest", "text_sha256": "617dd99a4321e8f6db4d670caa224a11f31ec72f7227d65f3cd93e925e19fd02", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On Saturday, XX/XX/XXXX, I saw a property listed on XXXX XXXX and contacted the seller, \" XXXX XXXX '' to ask if I could visit the unit. She asked me to contact \" XXXX XXXX, '' the local leasing agent, who responded immediately and set up a visit for Sunday, XX/XX/XXXX at XXXX. He provided the name of his company, his California broker 's license number, and various other points of information that made the transaction seem legitimate. \n\nHe did not appear at the unit, but called me and provided an access code and directions to an unlocked apartment for viewing. I toured the property with XXXX XXXX on the phone and fell in love with the space. XXXX XXXX stated he would send an application, screening guidelines, deposit instructions, etc. by email for my consideration. \n\nI received the application and it seemed fair and legitimate. I provided the requested paystubs, proof of employment, etc. and waited for an answer. XXXX XXXX informed me that my lease was approved and that I could move in on XXXX. He asked that I wire $ XXXXsecurity deposit + {$1500.00} first month 's rent to the property management account to hold the unit until XXXX. This is not an uncommon practice in XXXX XXXX, especially when holding a unit for more than 30 days, so I thought nothing of it. \n\nAfter submitting my payment at XXXX on Monday, XX/XX/XXXX at Chase Bank in person, I confirmed the transaction # with XXXX XXXX and waited for him to confirm my move-in instructions. After 24 hours, I had not heard back from him. I began to suspect something was unusual when I saw the same unit listed on XXXX under a different property company and a different monthly rate ( {$2300.00}. ) I began to research XXXX XXXX and discovered that he did not work for XXXX XXXX XXXX, did not represent this property, and quite possibly was not even XXXX XXXX at all. I traced his number back to a website representing \" XXXX XXXX XXXX  '' which did not list this property as a site. I believe this website is also an attempt to legitimize the scam operation. \n\nAs it turns out, XXXX XXXX is impersonating an agent living in northern California, even using that agent 's broker license number to misrepresent his connection to the property! I do not understand how he obtained an access code to the property or keys to the unit, but he most certainly committed fraud on multiple levels, including the collection of a wire transfer under false pretenses. \n\nXXXX XXXX finally responded to me on the morning of XXXX and said he would provide a rental receipt \" when he got to the office. '' He also said that my agreed-upon move-in date of XX/XX/XXXX was \" no longer available per policy '' and that the soonest I could move in was XX/XX/XXXX. I have notified him that is not feasible as I've already given notice at my current rental, and asked to terminate the lease agreement per the printed terms and conditions ( 3-day cancellation prior to arrival date, with a {$100.00} penalty. ) I have not yet heard back from XXXX XXXX. I have reported this to the local police, notified the local FBI office, and filed FTC and IC3 FBI complaints. \n\nI contacted Chase Bank and requested a XXXX reversal of the transfer within 24 hours. I also contacted XXXX XXXX, notified them of the fraud, requested a XXXX transfer, and suggested a potential freeze on the receiving account. XXXX XXXX  said they were dependent on Chase Bank to direct them ; Chase Bank said that they could not consider the wire transfer to be fraudulent because I initiated it myself. This does not make sense to me. Any purchase, whether I initiated it or not, could ultimately be fraudulent. I would expect the bank to provide consumer protections if a customer had been victimized by a scam. Chase Bank does not seem to be doing anything with my concern at all. \n\nPlease advise.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6797775", "source": "cfpb", "group_id": "cfpb/1432eace54e081b7d0fa", "variant": "clean", "length_bucket": "medium", "chars": 3818, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-04-05", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "1432eace54e081b7d0fadd3ebd328caf6a4cba25e0fdd47bf57dfa5ed4b024f9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Citizens Bank closed my account for reason ( s ) I do not know. I believe it is because the bank suspected me of fraudulent activity, after I attempted to send my other bank accounts ( owned by myself ) money via XXXX repeatedly ( unfortunately all attempts failed ) .The only reason why I made repeated attempts was because the money would not go through. I talked to numerous customer service agents and said that all activity was mine and I did not want my account to be closed. Citizens Bank is among the banks closest to me and I really wanted to keep my account ; I was even attempting to do a promotional offer so it was even more upsetting since I almost completed what needed to be done for the offer. I asked customer service and several branch managers to appeal or put in a request to kindly re-open my accounts, as I believe they have been unfairly closed but they said they could not cause they do not know why my account was closed, and also because that is beyond their power. I am also aware that a bank 's involuntary closure of a bank account may affect my ability to maintain my other bank accounts. As such, the gravity of this issue can not be understated to me. I am hoping this can be amicably resolved through a CFPB complaint. I am more than willing to work with Citizens Bank and their XXXX Department to discuss any perceived discrepancies with my activity.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8131539", "source": "cfpb", "group_id": "cfpb/838556728978f13874f5", "variant": "clean", "length_bucket": "medium", "chars": 1385, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2024-01-09", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Company closed your account", "text_sha256": "838556728978f13874f55ee042e919cda525a10c61d7ad248e66238b66fed253", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Three charges were made on XX/XX/XXXX to my Direct Express Card. I did not make these charges. The charges were made with in XXXX minutes of each other. I filed an immediate dispute on that day, filled out all paperwork that they sent me and also sent them a letter describing the incident. I received a letter on XXXX stating that the merchant had provided their Department with proof that they were valid charges. I contacted Direct Express fraud investigations team that day, requesting proof of the documentation that was provided to them. One of the charges was reversed within 3 days of it occurring. The other two have still not been resolved. On XXXX I contacted fraud services again, due to the fact I had not received any proof or communication. I was provided with an escalation service number and told that I would receive a credit on my card within XXXX to XXXX hours for the two charges that I was disputing. I called back on XX/XX/XXXX to ask why I had not heard anything, and was told it was because of XXXX XXXX. Called again on XX/XX/XXXX still no credit on the card or communication from the company. Again Ask for proof of charges, and was told I had never asked for them but they would send them out. Was denied being able to speak to the investigator on the case, was told they did not take calls. Asked for them to send a message to said investigator to contact me and was told they didn't do that either. Ask for supervisor and when the supervisor came on the phone he spoke for one sentence and then hung up on me. Called back again gave them my name and social security number and they hung up on me again 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3970681", "source": "cfpb", "group_id": "cfpb/91bdf679c9350b6c3780", "variant": "clean", "length_bucket": "medium", "chars": 1644, "company": "Comerica", "date_received": "2020-11-23", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase or transfer", "sub_issue_raw": "Card company isn't resolving a dispute about a purchase or transfer", "text_sha256": "91bdf679c9350b6c3780f7dd9df32b5a880dd37daa4b3514be3badcfa8c7dbae", "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 loan on online XX/XX/2019 with ONE MAIN FINANCIAL and received an Approval for two types of loans {$11000.00} secured, {$6200.00} unsecured. I received an email from a local branch in XXXX CALIFORNIA. I called and someone ask can she call me back later she had a customer at her desk. I received a call from XXXX three hours later and she ask me a lot of questions which was fine, but I started feeling like she was stereotyping me. XXXX ask me to upload my Check stubs verification of income, Drivers License, and Bank Statement for proof of Residents. The next morning I upload all the information she request and she called me back 30 min later and said we can't approval your loan, because we can't verify your income ... I said how did you try to verify my income than she will we look at your bank statement and then a said I have Three bank accounts, you told to just a Bank statement for proof of Residents.. I ask to speak with the Manager XXXX XXXX and she said hold and then came back to the phone and said he is busy and that I can call corporate, because they are the one who made the decision NOT TRUE!!!! I work for the XXXX XXXX XXXX XXXX, AND A XXXX   XXXX COMPANY. MY CREDIT IS GOOD NO LATES, NO COLLECTIONS, NO JUDGEMENTS. THIS WAS A CLEAR CASE OF ME BEING XXXX AND THEY WERE 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/3418153", "source": "cfpb", "group_id": "cfpb/6ab8a5e31d7b83249b7e", "variant": "clean", "length_bucket": "medium", "chars": 1316, "company": "ONEMAIN FINANCE CORPORATION", "date_received": "2019-10-25", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "6ab8a5e31d7b83249b7ed62912cefb1e6672333b162fce0be011316dc8c14148", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1290323", "source": "cfpb", "group_id": "cfpb/60ed59be857f5f3e56fe", "variant": "clean", "length_bucket": "short", "chars": 1043, "company": "TD BANK US HOLDING COMPANY", "date_received": "2015-03-19", "product_raw": "Credit card", "issue_raw": "Identity theft / Fraud / Embezzlement", "sub_issue_raw": "", "text_sha256": "60ed59be857f5f3e56fe891bddc9f5943f1c7a9edf857e1a011f8ce3a938ad9a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "During the XXXX XXXX Friday ( XX/XX/XXXX ) sales, XXXX had a sale for Pro memberships at a discounted price. The website had two options for payment : entering card information into the website itself, or using the Paypal service to complete the transaction. Shortly after adding my Visa Credit Card ending in XXXX, that card was set up as the preferred payment type. The card had the full credit available to cover the {$110.00} USD that was to be charged to that Credit Card. I had assumed that the transaction had processed correctly since I had access to the Pro benefits on the XXXX website, and PayPal had not given me any notice of error charging my Credit Card. I checked my email the following morning, and that is when I noticed the charge had been forced on my Checking account ending in XXXX as an ACH draft, rather than the Credit Card that I had as preferred payment method. I checked the PayPal website, and Transaction ID XXXX showed the Checking account as used for the transaction, yet if I am to visit my Account AutoPay at XXXX : XXXX ( with the last part XXXX being the PayPal Billing ID ), the payment method shows my saved Visa Credit Card ending in XXXX. On XX/XX/XXXX, I contacted Codecademy Support to have this issue rectified. I provided an attachment showing the charge and the AutoPay screen for their transaction, but they told me to contact PayPal directly on XXXX XXXX. I opened Dispute Case ID XXXX on XX/XX/XXXX, with the transaction attachment as well as a PDF copy of my conversation with XXXX. On XX/XX/XXXX, I received an email that PayPal had denied my case. There is no electronic way to see a copy of the documentation we used in the investigation of your case. Because PayPal Messages DO NOT have full date-and-time stamp information that the customer can see on the PayPal website or Mobile Application and there is NO acknowledgement notification that PayPal received the message, and based on time email notification was received and time XXXX XXXX, the first PayPal representative that replied to my message, responded to my message, I finally started a conversation about my issue on or about XX/XX/XXXX via PayPals Message Center. They deny all wrongdoing on their part. Instead, they first deflected the blame to XXXX as [ I ] t might have been the merchants preference when they set up their website. You can contact them to check this out and confirm this. When I provided an attachment with the email reply received on XXXX XXXX, a different PayPal agent by the displayed name of XXXX replied, [ f ] rom reviewing your account and weve reviewed the details of your case, and based on the information we have to date, we have denied your case. This decision was made because our records show that this transaction was processed correctly. This was after XXXX XXXX had agreed that the account was set up correctly however the charge was made to your bank account. I asked to have my issue escalated, and a third PayPal agent with display name of XXXX XXXX denied wrongdoing by PayPal, suggesting that if you feel that this isnt fair for you, I highly recommend that you contact your bank and continue this case directly with them. She also indicated steps to change preferred payment method, and steps to update payment methods for billing agreements ( once again, I had already provided evidence that the transaction should have been processed as I requested and that the Visa Credit Card ending in XXXX was already set up that way for the charges from that merchant ). After asking for my situation to be escalated again, PayPal closed my message chain without notification that communications had been closed on or after XXXX XXXX ( since my last email notification that a message was waiting in the Message Center was XX/XX/XXXX at XXXX XXXX, and my second request for escalation has a time-only stamp of XXXX XXXX ). Thats where the situation stands as of XX/XX/XXXX. I feel deceived and harmed by PayPals decision to : ( a ) fail to provide notice that an error had occurred, if any, during my transaction that would have otherwise allowed me to make a sound financial decision on how to proceed with my transaction ; ( b ) create an ACH draft and collect from an account not assigned for the transaction by assuming authorization from the consumer without explicit consent from the account owner ; ( c ) fail to provide an efficient and accessible method of receiving dispute documents when their only option for disputing transactions on their website is electronic-based ; ( d ) providing a slow, confusing, and unhelpful messaging system as the only method of communication with a representative in order to receive direct feedback on an issue and not providing notification that PayPal had chosen to cease communication with a customer ; and ( e ) ignore evidence provided of PayPal error, dismissing any fault or error, and failing to provide means of communication to a supervisor or escalation 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": "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/4019827", "source": "cfpb", "group_id": "cfpb/394f8018a3eb7b243a5b", "variant": "clean", "length_bucket": "long", "chars": 4966, "company": "Paypal Holdings, Inc", "date_received": "2020-12-18", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "394f8018a3eb7b243a5bbac70c5c8488fa27158586d0663e7496979ea73d1e5d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints 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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2846012", "source": "cfpb", "group_id": "cfpb/ecfb6c342a4a0f9aba84", "variant": "clean", "length_bucket": "medium", "chars": 1214, "company": "Rosebud Economic Development Corporation", "date_received": "2018-03-17", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Problem when making payments", "sub_issue_raw": "", "text_sha256": "ecfb6c342a4a0f9aba84cc7a4ce2f798defdfe14e1ef73827e62b4c0e3a2986b", "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 report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.\n\nThe application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property. \n\nIn response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document.\n\nAdditionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans. \n\nThese experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security.\n\nI am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements. \n\nI appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices. \n\nThank you for your consideration and assistance.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8044153", "source": "cfpb", "group_id": "cfpb/4af339cf85867e0df06b", "variant": "clean", "length_bucket": "medium", "chars": 2085, "company": "REGIONS FINANCIAL CORPORATION", "date_received": "2023-12-22", "product_raw": "Payday loan, title loan, personal loan, or advance loan", "issue_raw": "Getting a line of credit", "sub_issue_raw": "", "text_sha256": "4af339cf85867e0df06b133a8b9cca8f6edd3ac95e22cfa82b8327decff819ba", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made a payment for my XX/XX/2021 bill which was due on XX/XX/2021 on XX/XX/2021. They applied my XXXX payment to the XX/XX/2021 billing cycle, which I had already fulfilled that payment in XXXX. I was charged a late fee because of the of the way they posted my payment. I called and the man explained that I had made it on the last day of the billing cycle and that's why it showed that way and that he would reverse the late fee and he would take care of it. This morning I started getting late payment notices from them. I called again and after not being able to resolve it with the person who answered the phone, asked to speak to a manager. XXXX ( not sure how to spell ) told me that they would NOT change the payment to show that I had paid my XXXX payment AND that I needed to make another payment or they would charge me another late fee and my account would be in arrears. This is unacceptable. No where on the statement does it say that you can not make an early payment. I made my payment early, I have fulfilled my part of the agreement. I would like them to correct my account to show that I have made 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": "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/4772505", "source": "cfpb", "group_id": "cfpb/7d122afedac2e097a0e8", "variant": "clean", "length_bucket": "short", "chars": 1128, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2021-10-01", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "7d122afedac2e097a0e86a9df3909e0b9869f4e6c61b8f944e511618dc3f3814", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Every two months, Wells Fargo loses my online account info and locks me out. They also \" lose '' the contact info I call every two months to correct. And although they record calls, they hang up if I tell them I too am recording the call to protect myself. I called back and again informed them I am recording the call and the woman told me \" then I ca n't talk to you. '' When I asked for supervisor, she put me on hold. An hour ago. I am still holding. I am completely at their mercy!", "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/1874858", "source": "cfpb", "group_id": "cfpb/799669e6864af3ecf1fd", "variant": "clean", "length_bucket": "short", "chars": 486, "company": "WELLS FARGO & COMPANY", "date_received": "2016-04-11", "product_raw": "Student loan", "issue_raw": "Dealing with my lender or servicer", "sub_issue_raw": "Trouble with how payments are handled", "text_sha256": "799669e6864af3ecf1fd2a7da2d52e2bb8e42f85a2faecd9ef77dae7de70e5d3", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This company is calling me & leaving voicemails all day every day. I have 3 just from today 2 from yesterday & 3 from the day before they have been doing this for months I block the number & they spoof it to make it look like its someone calling me from my area. It is illegal to call more than 7 times in a 7 day period & they should not be calling me after 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/6073781", "source": "cfpb", "group_id": "cfpb/3f0fff4ccb7e92d7e25e", "variant": "clean", "length_bucket": "short", "chars": 363, "company": "Deinde Online Services, LLC", "date_received": "2022-10-11", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "Frequent or repeated calls", "text_sha256": "3f0fff4ccb7e92d7e25ea07580745b696450891b86d604e5eb3418ae5b83cb03", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Good afternoon Sir or Ma'am, I am filing a complaint against Wells Fargo credit card for failing to resolve a dispute in my favor, as evidence of a company name, XXXX that defrauded me for {$3800.00} on XX/XX/XXXX after they claim that the Sales Order # XXXX was shipped out to me. At first my credit card authorization did not go through because they were persisting on sending me the order. Somehow they were able to later on charge my credit card and event sent me out the order. It was a phone order and the items they shipped to my house were never what I ordered. I called them and asked them to pickup the order sent to my house and they instructed me they would have charged me an additional {$400.00} for the return. I agreed to the return charge, but they never followed up with picking up the order and XXXX  decided to instead sent me additional parts for the messed up order. I kept on writing XXXX regarding a refund for the {$3800.00} and the company 's leadership would always denied it. I also found out the product electronic components were also not working and the product also pose a safety hazard when you seat on it which causes the person to be thrown off the chair when the person tries to turn or even get off the chair. I informed XXXX about the safety with the chair and I was informed that they can't so anything about it and I'm stuck with the chair. \nI contacted Wells Fargo and filed a dispute in order to recoup my money and the dispute department was never able to get the money back. Below you will see the case number including the people who communicated with me and they were very rude and unprofessional. \nCase # : XXXX XXXX XXXX ( Wells Fargo Executive Dispute Department ) Case # : XXXX XXXX XXXX ( Wells Fargo Executive Dispute Department ) Case # : XXXX XXXX ( Wells Fargo Executive Dispute Department ) The case was then sent to the Wells Fargo Credit Card Executive Office, XXXX XXXX declined it because she decided to only verbally communicate to the XXXX and not me ( XXXX XXXX ) and the XXXX lied to about the fact that I tried to cancel the order, the wrong order was send to me, the products were defective, and the products were unsafe. When I receive a letter from Ms. XXXX XXXX who denied the dispute, she informed me the lies that the theaterseatstore told, she didn't know about it, and she couldn't do anything about it. \n\n\nThe information below are from the XXXX XXXX : XXXX Phone # : XXXX Sales Order # XXXX XXXX XXXX Customer Support and Claims Specialist T : ( XXXX ) XXXX ( XXXX ) ext XXXX F : ( XXXX ) XXXX E : XXXX XXXX XXXX Customer Service Manager XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX T : ( XXXX ) XXXX ( XXXX ) ext. XXXX F : ( XXXX ) XXXX XXXX The information below are from Wells Fargo : Name : XXXX XXXX XXXX Case # : XXXX Ext # : XXXX XX/XX/XXXX Wells Fargo Executive Disputes Name : XXXX XXXX Phone # : XXXX Ext : XXXX Case # : XXXX XX/XX/XXXX XXXX XXXX ( XXXX 's Manager ) Date : XX/XX/XXXX Case # : XXXX XXXX Ext : XXXX Wells Fargo ( Legal Matters ) Corporate Office 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": "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/3231655", "source": "cfpb", "group_id": "cfpb/12210c8945d5f16f2310", "variant": "clean", "length_bucket": "medium", "chars": 3097, "company": "WELLS FARGO & COMPANY", "date_received": "2019-05-03", "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": "12210c8945d5f16f23109223f4f9a4ab8e28137fa299e7904f2d57f7129df566", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "There were fraudulent transactions on my debit card from XX/XX/XXXX to XX/XX/XXXX, totaling {$3700.00}. These charges were not made by me. On XX/XX/XXXX at XXXX XXXX, I received a call from someone claiming to be from Chase Bank, informing me of a fraudulent transaction and asking if I wanted a new card. The call lasted XXXX minutes ( XXXX PM - XXXX PM ). I verified the number afterward, and it was from a Chase branch in my area that I had never visited. \n\nDuring the call, without providing any personal information, I agreed to receive a new card. The caller then asked me to read a code from a message once I received it. At XXXX XXXX, I received the message and read the code to her. She then instructed me to type the code into a text box and send it. She verified my current address, which was correct, and I ended the call. ( Eventually, I did not receive any new card. ) Afterward, I went to XXXX to buy dog food, left XXXX around XXXX XXXX, and spent the rest of the day in XXXX XXXX. Subsequently, the fraudulent transactions occurred from XX/XX/XXXX to XX/XX/XXXX. The transaction dates are shown as XX/XX/XXXX and XX/XX/XXXX, but the withdrawal acitivities were happen on XX/XX/XXXX. Upon checking my savings account, I discovered up to XXXX and more fraudulent transactions, each for {$40.00}, {$60.00} or {$100.00}, totaling {$3700.00}. \n\nI filed claims on XX/XX/XXXX and was told I would be reimbursed within XXXX business days, but I haven't received any refund. I was informed that my claim was denied without my knowledge, which concerns me. I requested a re-evaluation and a prompt refund later, but Chase refused to do so and asked me for documents, which is very ambiguous.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/9681032", "source": "cfpb", "group_id": "cfpb/e3ddce5a3ecd024607be", "variant": "clean", "length_bucket": "medium", "chars": 1698, "company": "JPMORGAN CHASE & CO.", "date_received": "2024-08-01", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "e3ddce5a3ecd024607bee4dfcb9dfd90ba40f0c48582f8b02908739266f09b51", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "*********************** REVISED COPY ( XXXX ) ******************* XXXX XXXX XXXX XXXX, Unit # XXXX, XXXX, IL XXXX ___________________________________________________________________ XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/2022, Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXX of Records : Attached you will see a notification received through XXXX XXXX Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is Equifax in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since Equifax wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like Equifax to send their records request to the Department of the XXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their XXXX C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. XXXX XXXX XXXX and Equifax XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns Equifax XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to Equifax XXXX XXXX XXXX XXXX XXXX XXXX reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with XXXX XXXX XXXX. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or XXXX ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to XXXX XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : Records Internal Revenue ( IRS ) Certified Public Accountant ( CPA ) Legal Counsel of Records", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6374834", "source": "cfpb", "group_id": "cfpb/38384b47d0556ac1274d", "variant": "clean", "length_bucket": "long", "chars": 4435, "company": "EQUIFAX, INC.", "date_received": "2022-12-29", "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": "38384b47d0556ac1274d8bbffd78d5e12e333c99e51af7bb05e28bb8736ed969", "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 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 ( 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. \n1. MIDLANDCRE bal. {$1700.00} 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/4799784", "source": "cfpb", "group_id": "cfpb/0e1e7af38442d518b1ed", "variant": "clean", "length_bucket": "long", "chars": 5777, "company": "ENCORE CAPITAL GROUP INC.", "date_received": "2021-10-11", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "0e1e7af38442d518b1ed4b2bfb0e1be4c2553cdb243dc786da2ac02846ff5c3c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Bank Of America Compliant XXXX XXXX Subject : Compliant Debit on my account of unknown charges. \n\n\nOn XX/XX/XXXX XXXX XXXX I received a debit on my account in the amount of {$380.00} and {$120.00}. These transactions were entered by a person unknown to me. I called the customer service department to investigate the source and the reason for the transaction. This proved to be futile and a complete waste of time. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And spoke to XXXX XXXX, relationship manager. This person viewed my account to locate the source of the transaction and identify who was responsible. After much investigation, this too was pointless and was told that I would have to contact the customer service department for a response. At this point, I am completely disgusted by your poor service and the abuse of my account and money. \n\nXXXX 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8166204", "source": "cfpb", "group_id": "cfpb/81712c07cfc880cea4be", "variant": "clean", "length_bucket": "short", "chars": 950, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-01-17", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "81712c07cfc880cea4be7268f5c9ab859f2f9aad342ff4e05d4d26ecb78cc397", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Wells Fargo charged me fees that were unwarranted. We were in the process of relocating from XXXX to XXXX and in that process meant paying off my mortgages with them ... which I think contributed to their lack of response. When I was in the branch in XX/XX/XXXX as we were finalizing the process for the sale of my home, I asked them to downgrade my account from the PMA to the basic. That did n't happen and since this was n't my primary account, I did n't check right away. Then as I was finalizing a payoff for another loan, which I made in the branch before the due date, received confirmation. I was then charged an overdraft for the automatic debit for an account that was paid off. When I went back to the branch, I was told that only the branch manager could waive fees but they were n't in the branch. I tried one more time at the same branch as well as another branch and both times the branch manager was unavailable. Then I received confirmation that I was in charge off. It felt like wells did everything via their processes to prevent a good customer experience.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1694734", "source": "cfpb", "group_id": "cfpb/771e264d3baf1ffa8deb", "variant": "clean", "length_bucket": "short", "chars": 1076, "company": "WELLS FARGO & COMPANY", "date_received": "2015-12-12", "product_raw": "Bank account or service", "issue_raw": "Account opening, closing, or management", "sub_issue_raw": "", "text_sha256": "771e264d3baf1ffa8deb4bf99d3ee188046f16bc43afcef529f1262bcc213786", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was involved in an on the job vehicle crash XX/XX/2021 in XXXX XXXX, Florida. The vehicle was registered to the employer XXXX XXXX  XXXX XXXX covered by XXXX XXXX XXXX company commercial policy. I resisted being transported by XXXX XXXX XXXX but was all but forced into submitting with the assuring me that they had all the liability covered when they took possession of proof of coverage from the vehicleXXXX XXXX finally paid the claim in full on XX/XX/2021. On XX/XX/2021 CMRE Financial, a California based collection agency reported the account as unpaid to XXXX which in turn reported to XXXX. I have a perfect payment record with all of my legitimate accounts and took a severe hit to my XXXX score. Everyone involved has been notified and repeated disputes have been filed after XXXX and CMRE assured me the collection would 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": "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/4959045", "source": "cfpb", "group_id": "cfpb/fe23763da63ce7cdb4f9", "variant": "clean", "length_bucket": "short", "chars": 845, "company": "CMRE Financial Services, Inc.", "date_received": "2021-11-30", "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": "fe23763da63ce7cdb4f93a55840758e1e65bce26ea0eb0ef9bf1da8a497361c1", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is in response to file number XXXX. \nComenity Capital Bank, XXXX XXXX XXXX XXXX responded on XX/XX/2020 that I used the account and failed to close it in thirty days. \nThe document provided did not show terms and agreements with the option to cancel within thirty days. \nI contacted XXXX XXXX XXXX XXXX on XX/XX/2020 requesting an explanation on the approval of the loan and to have it withdrawn as stated in the following emails communication between XXXX XXXX and myself thus their statement of failing to contact the Company or vice versa is false : XXXX  XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to solutions Customer Care, I was recently approved for a loan {$11000.00}. Can you provide me with the application and an explanation of the criteria used to approve the loan? \nBest Regards, XXXX XXXX. \n\nXXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX to me Hello, Thank you for contacting us here at XXXX XXXX XXXX XXXX XXXX I would be happy to assist you today. \nI am unable to locate an approval for you on my end. Did you apply for a personal loan or a patient solutions account? If you applied for a patient solutions account, you would need to give us a call for assistance. However, generally speaking, we look at your entire credit history to determine if you are eligible for financing. We have no minimum credit score requirements. \n\nIf you have any questions, we are here Mon-Fri XXXX EST. Our phone number is XXXX. \n\nThank you!, Questions? \n\nText us at XXXX or click link below to chat live! \n\ncid : XXXX XXXX XXXX EST __________________________________ XXXX XXXX Chat & Email Specialist XXXX XXXX XXXX XXXX XXXX f XXXX On XX/XX/2020 I called XXXX, spoke to XXXX XXXX Informed the loan was approved based on my credit score. I told him I am unemployed, I can't repay this loan and have it removed. He said I will get documents in the mail to cancel the loan but the documents I received was another bill and a loan increase.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3688063", "source": "cfpb", "group_id": "cfpb/e8789514689681edfdf2", "variant": "clean", "length_bucket": "medium", "chars": 1932, "company": "Bread Financial Holdings, Inc.", "date_received": "2020-06-08", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "e8789514689681edfdf26e1703f2f8879bd4939845a66e6094150abae3e7a3e9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "A payment we were expecting to receive was delayed, which was going to cause my American Express bill to be paid late. I was aware of this situation, and wanted to be proactive. Many of the other credit accounts that I have both personally as well as for the business were eligible for some form of concessions from the banks. I reached out to American Express in the first couple of days of XXXX to make them aware of the situation and to ask them if they had any type of extension they could provide me. This is how I initially became aware of the payment relief program. \n\nIn the first contact I had with American Express in early XXXX they informed me that though they were no longer offering any 30 day extensions ( which was really all I needed ) they offered both a short and long-term payment relief plan. They then filled me in on the details of this plan, but told me I could not enroll until three payments were returned to the bank. This was auto-pay attempting to collect the money, and every time it would be returned NSF it would then be reprocessed.l for a total of 3 attempts. The total time for the three payments to be rejected was about 1 week. \n\nOn XX/XX/XXXX, right after the third payment was returned NSF, I called back in and asked about the elements of the payment relief program for clarification.The difference between the short-term and the long-term program was simply that the short-term program allowed you to continue to use your card whereas long-term program didn't. After being read the disclosure statements that outlined the the elements in the program shown below, I then enrolled. The enrollment was done on a call that occurred at XXXX p.m. and lasted 44 minutes 48 seconds. I was informed that the following elements of the payment relief program would be applied to my card upon enrolling during that call. This information is also available on their website at https : //www.americanexpress.com/us/customer-service/financial-relief.html * Your account would not go any further past due then where it is currently at ( since I was not 30 days past due at the time of enrolling, I would not be reported as past due ). \n\n* Under the short-term program, I would be able to continue to have use of any cards that were under the credit limit so long as I continued to make my payments under the program on time. \n\nXXXX There would be no late fees. \n\nXXXX The interest rate would be reduced on the gold and platinum card to 0.0 % APR, and on the blue business card and the XXXX business card to 5.99 % APR. \n\nXXXX There would be XXXX low monthly payment. \n\n\nWithin days if enrolling in the program, I had issues with using the card because the system was erroneously showing that I was late. The situation continues to get worse as on XX/XX/XXXX I was reported late to the credit bureaus. they also had an extreme amount of confusion on their end as to whether or not auto-pay was active on my account, which resulted in multiple double payments on the due date in both XXXX and XXXX, and late fees were assessed on my Platinum account XX/XX/XXXX in the amount of {$250.00}, and XX/XX/XXXX for {$290.00}. A late fee was assessed on my blue business card on XX/XX/XXXX for {$39.00}. A late fee was assessed on my XXXX business account on XX/XX/XXXX for {$35.00} in spite of no late fees being an element of the program. \n\nI first became aware that they were reporting me as late to the credit bureaus on XX/XX/XXXX, though it could have been sooner on my business accounts. They assured me this would be resolved quickly and would not reported any further behind, but within 30 days it reported a 60 day late payment. \n\nI stressed all of these issues to representatives during phone calls, and in all of these calls they told me they were working on it, and would usually offer free time frame of either 48 hours or 7 to 10 days for these issues to be resolved. We're coming up on three months, and none of the issues are resolved. In addition to this, I continue to receive calls from American Express telling me I have missed payments. I tell them that all my payments under the plan have been made on time. Upon checking they agree with me, and tell me that they'll take care of the issue and that I shouldn't receive any more phone calls. Usually within a couple days after there's another phone call and it's the same thing over and over again. I have kept recordings of the phone calls, and have detailed summaries of each call. After enrolling on XX/XX/XXXX, I had a total of at least 24 phone calls on the following dates : XX/XX/XXXX for 8 minutes 51 seconds XX/XX/XXXX for 1 minute 21 seconds XX/XX/XXXX for 1 minute 8 seconds XX/XX/XXXX for 5 minutes 57 seconds XX/XX/XXXX for 30 minutes 00 seconds XX/XX/XXXX for 12 minutes 29 seconds XX/XX/XXXX for 37 minutes 38 seconds XX/XX/XXXX for XXXX minutes 29 seconds XX/XX/XXXX for 34 minutes 19 seconds XX/XX/XXXX for 1 hour 6 minutes 35 seconds XX/XX/XXXX for 8 minutes 27 seconds XX/XX/XXXX for 21 minutes 59 seconds XX/XX/XXXX for XXXX minutes 19 seconds XX/XX/XXXX for 5 minutes 12 seconds XX/XX/XXXX for 6 minutes 37 seconds XX/XX/XXXX for 9 minutes 21 seconds XX/XX/XXXX for 2 minutes 4 seconds XX/XX/XXXX for 11 minutes 54 seconds XX/XX/XXXX for 5 minutes 45 seconds XX/XX/XXXX for 1 hour 8 minutes 53 seconds XX/XX/XXXX for XXXX seconds XX/XX/XXXX for 1 minute 59 seconds XX/XX/XXXX for XXXX minutes XXXX seconds XX/XX/XXXX for 2 minutes 00 seconds Again, after all of these communications, these issues remain unresolved. This is having a very significant impact on my ability to operate with regard to my finances. Very large loans are being held up as a result of this reporting to the credit bureaus, and a few days ago XXXX made the decision to close all of my accounts, and it would appear that it's entirely related to the erroneous reporting by American Express. \n\nAmerican Express his had nearly three months to resolve these issues, and not a single one has been resolved to date. they consistently have missed their own self-imposed deadlines, and continue to contact me with unsolicited phone calls under the pretext that my account is behind, and after reviewing they realize that is in error, promise to fix the issue and stop the calls, and yet they continue. \n\nI have reached out to the credit bureaus in an attempt to get it resolved with them directly. They sent the dispute to American Express, and American Express sustained the late payment as accurate. When I have spoke with the representatives at American Express, they assure me this is in error and that it will be removed promptly. Of course that never happens. \n\nAt this point, they are almost certainly in breach of contract contract, have intentionally inflicted emotional distress, caused of a vast amount of damage to existing credit relationships as well as my ability to borrow money both personally and through the business, and have likely violated my rights under the Fair credit reporting act. I need assistance, so I'm turning to the consumer financial protection bureau for help. At this point it's obvious to me further direct dialogue with them directly will not result in any solutions, and is a waste of time and energy. \n\n\n\n\n-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/3823680", "source": "cfpb", "group_id": "cfpb/cc177d73f5b80d77f17c", "variant": "clean", "length_bucket": "long", "chars": 7231, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2020-08-31", "product_raw": "Credit card or prepaid card", "issue_raw": "Fees or interest", "sub_issue_raw": "Problem with fees", "text_sha256": "cc177d73f5b80d77f17ca2e93b0776e32a51dfa4f9164e0ea7021640516a04fd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "UDAAP VIOLATION : Letter requesting copy of XXXX certificate for co-signer and inability/unwillingness to inform me of how this would affect me as primary borrower and my rights ; failure to disclose that the XXXX  certificate would then be turned over to XXXX XXXX XXXX, a law firm for Navient to file a claim against the co-signer 's estate and lumpsum payment demand from me and/or \" determination if I could still afford the loans '' ; and failure to inform me of an administrative forbearance being placed on my account which would increase my monthly principal and interest payments. \n\nI received a letter from Navient dated XX/XX/XXXX stating, \" In order to ensure the appropriate servicing of the loan and to determine if any parties to the loan may be released, we require... copy of the XXXX certificate. '' Upon calling customer service on XX/XX/XXXX, I spoke to XXXX and then her supervisor XXXX requesting information on how this information would be used and how this would affect me and my rights ; my concern being that this could be an attempt to accelerate my payments not \" release '' parties to the loan. After all, my co-signer, as they are aware, XXXX and I 'd imagine that is the final release. Both were initially unwilling to provide this information, stating that it would be turned over to an \" associate '' and I would be contacted by the Advocate Department who would then work with me, but that they could n't tell me anything because the \" associate '' is not Navient. I repeatedly requested to speak with the associate third party so I can determine how this information would be used and how it will affect me as a borrower. Navient repeatedly stated that they could not provide me with the associate third party 's info. \n\nI set forth that basically they were asking me to provide private information that would then be passed through them and turned over to a 3rd party who would then use this information in a way that could and most likely would negatively impact me and have possible severe financial burden, which XXXX the supervisor essentially stated that the associate would see if I could still \" afford the loan '' and either redetermine my payment or \" negotiate '' a lump sum payment and file a claim against the estate. I informed her that their is no estate. Navient was obviously were informed of the co-signer 's passing probably by SS XXXX rolls and that he XXXX in XX/XX/XXXX and I have been making monthly on-time principal and interest payments for at least 24 months so obviously, I can \" afford '' to pay the loan. Also, I questioned who the associate was, is it a collection agency? No, XXXX informed me it was an ATTORNEY FIRM. \n\nNowhere in the letter was I informed that the letter is essentially an attempt to obtain information for Navient 's contracted legal firm to attempt to change my current payment and terms by possibly trying to obtain a lumpsum payment against me or re-determine my credit eligibility to again change the terms of my payment, nor was I informed that the information would also be used to file a claim against the co-signer 's estate ( which I already informed them that he has no estate ). \n\nMy main complaints are as follows : - Navient 's failure to inform me of the true nature of their inquiry is an unfair and deceptive practice. \n- Navient 's failure to provide upfront disclosure that the information would be turned over to a law firm is an unfair and deceptive practice. \n- Navient 's failure to provide me with the contact information for XXXX XXXX XXXX so I can find out directly how this could affect my rights is unfair and deceptive. \n- Navient 's failure to inform me in writing of the administrative forbearance is unfair and deceptive. Because interest and principal continue to accumulate under forbearance, my future payment amounts would be increased. Navient was initially confused as to what I meant by this, but I explained that they put me on forbearance not deferment, so the interest was compounding. I had to manually have the customer service process the amount that should have been due because Navient stated they could not lift the administrative forbearance. Therefore, to avoid principal & interest compounding, I made a payment without an explanation of charges and the amount was higher than previous months. \n\nThe failure of Navient to inform me of the nature of their demand and continued failure to inform me of how providing the information will affect me are unfair and deceptive. Apparently, Navient will not provide me information as to the true nature of their inquiry that I may rely on until I send in the XXXX   certificate and at that time it will be turned over to their attorneys. How is that legal?", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2658796", "source": "cfpb", "group_id": "cfpb/2193d72c6fcc7c6784c9", "variant": "clean", "length_bucket": "long", "chars": 4735, "company": "Navient Solutions, LLC.", "date_received": "2017-09-05", "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": "2193d72c6fcc7c6784c955b1cc055502aed9054a65401c3917a308b54bccf70d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After I filed many complaints with contact @ Crypto.com only 8 days after my first transferred money into Crypto, but their reply is the same contract police officer. Which I did ( police report # XXXX ). The police officer as requested crypto to track the money back, but no action from Crypto. I made multiple wiring transfers from 3 banks to Cryptos bank XXXX XXXX XXXX. to my Cryptos wallet address XXXX ( Unique code XXXX ). Then I transfer the {$300000.00} ( multiple times ) to the scammers Crypto wallet address : XXXX. The scammer helped me to trade with XXXX XXXX XXXX downloaded in XXXX XXXX XXXX XXXX XXXX XXXX  is scam App and it has been taken down by XXXX XXXX XXXX  a few months later. The Crypto allows scammer to create wallet might break financial regulations. When I tried to transfer money out, I could not transfer any my money out but they asked me to transfer in $ XXXX ( 40 % of my total assets ) fresh money from my banks. I have contacted my banks in 8 days after the wiring transfer. After my bank requested Crypto to wire money back to me but not reply from Crypto. \n\nThe scammer contacted me via XXXX XXXX mobile phone XXXX XXXX XXXX XXXX XXXX ID : XXXX Scammers XXXX XXXX XXXX ( Mobile App ) maybe XXXX XXXX XXXX XXXX Stop : XXXX XXXX From my banks I transferred into the my crypto wallet ( address XXXX ) I transferred money to a scammer 's wallet ( address XXXX ) XXXX XXXX : WIRE OUTGOING  to XXXX XXXX XXXX for XXXX XXXX XXXX {$3500.00} dated XX/XX/2022 {$6000.00} dated XX/XX/2022 {$10000.00} dated XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXXXXXX WIRE OUTGOING {$260000.00} ( XXXX XXXX XXXX  ) to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX : WIRE OUTGOING to XXXX XXXX XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX IRA XXXX XXXX XXXX XXXX XXXX IRA The complaint letter to Crypto as below : Dear Sir/Madam, I am writing to express my extreme dissatisfaction with the lack of assistance I have received from Crypto.com in resolving an issue that has resulted in a significant financial loss for me. As a first-time user, I entrusted Crypto.com with my hard-earned money, and I was shocked to find that I was allowed to transfer a large sum of {$300000.00} to unknown wallets without any verification or authentication process. \nThese transactions were clearly abnormal considering I am a new user, and I am appalled that Crypto.com allowed such a significant sum to be transferred without any security measures or authentication checks. I had assumed that Crypto.com would have adequate measures in place to prevent fraudulent transactions and protect its customers. However, I was deeply disappointed to discover that this was not the case. \nDespite my repeated attempts to resolve this issue through your customer support channels, I have received no assistance or support whatsoever. This has caused me a great deal of frustration and emotional distress, and I feel that my trust in your company has been severely betrayed. \nI demand that Crypto.com take immediate responsibility for this issue and provide me with a satisfactory resolution. This includes the following : 1. A detailed explanation of why such a significant transaction was allowed to take place without any verification or authentication process. \n2 Dispute Resolution 2. A thorough investigation into the matter to identify the individual ( s ) responsible for the fraudulent transaction and hold them accountable.\n\n3. A full refund of the amount transferred to the unknown wallets.\n\n4. Compensation for the financial loss, emotional distress, and inconvenience caused by this issue.\n\n5. A formal apology for the lack of assistance and support provided in resolving this issue.\n\nIf Crypto.com fails to take responsibility and provide a satisfactory resolution, I will have no choice but to escalate this matter to higher authorities and seek legal recourse. I will also make it my mission to share my negative experience with as many people as possible to warn them about the risks of dealing with Crypto.com.\n\nI hope to receive a prompt response from Crypto.com and a satisfactory resolution to this issue. \nThank you for your attention to this matter. \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": "fraud_or_scam", "src": "cfpb_issue_money_transfer"}}, "_meta": {"id": "cfpb/6939512", "source": "cfpb", "group_id": "cfpb/2915c4a74e53dea9c0db", "variant": "clean", "length_bucket": "long", "chars": 4178, "company": "Foris DAX, Inc.", "date_received": "2023-05-07", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "2915c4a74e53dea9c0db39aea8d23c7a1a4c86c2da83049861a68d6cefff8aee", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/1649684", "source": "cfpb", "group_id": "cfpb/88325ff74e565090bcc4", "variant": "clean", "length_bucket": "short", "chars": 389, "company": "SELECT PORTFOLIO SERVICING, INC.", "date_received": "2015-11-10", "product_raw": "Mortgage", "issue_raw": "Credit decision / Underwriting", "sub_issue_raw": "", "text_sha256": "88325ff74e565090bcc4f250a25ab4ca290e7a103b03a649c7e1ec78adf8691f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for EXPERIAN AND XXXX. I have even contacted XXXX LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and XXXX XXXX. \n\nXXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now XXXX are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3488774", "source": "cfpb", "group_id": "cfpb/25c6cf94037bcc8d7cf0", "variant": "clean", "length_bucket": "short", "chars": 981, "company": "Experian Information Solutions Inc.", "date_received": "2020-01-08", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "25c6cf94037bcc8d7cf0e29049b930e4a73db2ef66fef512e6605a442e6492ff", "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 XXXX of XXXX, I had a gentleman XXXX XXXX from XXXX XXXX at my door explaining to me about going solar. XXXX with XXXX had told me that XXXX  XXXX is going up by 45 % and he could save me money by going solar with XXXX, XXXX sat down with me and said I'll be paying more with XXXX  XXXX and he would save me money going Solar. I told him I've been on XXXX since XXXX, and he asked me for my XXXX XXXX bill and my XXXX paperwork. He showed me that also going solar I would also receive a tax credit of {$10000.00}. I had to do my taxes on XX/XX/XXXX and I was told that's not how that works regarding the tax credit. My payment would be {$190.00}. Now as of XX/XX/XXXX, they took out {$230.00} and that's incorrect. \n\nI have tried to call XXXX, and his manager XXXX at XXXX for over a week and a half and received to call back. I tried calling XXXX the loan company as well. \nAs of XXXX of XXXX, I called my bank, XXXX  and they had put a 6-month block on my account so the loan company XXXX would not be able to take money out of the account all I keep getting is lies, and the push around from XXXX. \n\nI was lied to by XXXX XXXX the Rep for XXXX and everything I was told was nothing but lies regarding this solar loan of {$55000.00}. \n\nCompany 's involved XXXX installation Sunnova- loan company. \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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/8863555", "source": "cfpb", "group_id": "cfpb/556c4469f5769d89299b", "variant": "clean", "length_bucket": "medium", "chars": 1324, "company": "Sunnova Energy Corporation", "date_received": "2024-04-26", "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": "556c4469f5769d89299bfd65a90efc0a5fdacd3be73a858a163356c38927cf68", "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, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Capital One XXXX XXXX XXXX XXXX, VA XXXX RE : Final Request for Adverse Action Information Under FCRA 615 ( a ) Accounts ending in : 7222, 1448, 3898, 9759, 4826, 6740 and 4871 Dear Capital One, I am writing to make a final demand for the specific reasons behind the adverse action resulting in the closure of my account. I previously contacted your company and filed two complaints with the Consumer Financial Protection Bureau ( CFPB ), but I have yet to receive the required explanation.\n\nUnder FCRA 615 ( a ) ( 15 U.S.C. 1681m ( a ) ), you are legally obligated to disclose : 1. The specific reasons for your adverse action.\n\n2. The name, address, and contact information of any consumer reporting agency or other third party whose data contributed to your decision, if applicable. \n\n\n\nThis letter serves as a final opportunity to comply with the FCRA. If I do not receive the requested information within 15 days of your receipt of this letter, I will pursue additional remedies, including but not limited to : Filing a lawsuit to enforce my rights under the FCRA. \n\nSeeking statutory damages, attorneys fees, and other relief for your failure to provide the legally required disclosures. \n\nSubmitting further evidence of your non-compliance to the CFPB and state attorney generals office. \n\nPlease send the requested information to the address listed above or respond by email if further clarification is needed. I trust that this matter can be resolved without the need for legal action, but I am prepared to proceed if necessary. \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": "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/10600046", "source": "cfpb", "group_id": "cfpb/f98db2450bc440b913ea", "variant": "clean", "length_bucket": "medium", "chars": 1630, "company": "CAPITAL ONE FINANCIAL CORPORATION", "date_received": "2024-10-28", "product_raw": "Credit card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "f98db2450bc440b913ea402ac0e8bf483366f92ec6e1a89749f4d007d3ad7578", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On XX/XX/20 i called time payment corp and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX  more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account XXXX XXXX and upstart. i did not contact XXXX XXXX, upstart or XXXX XXXX XXXX XXXX just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. 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/3941387", "source": "cfpb", "group_id": "cfpb/7fc71516f5ddfc667e45", "variant": "clean", "length_bucket": "medium", "chars": 1268, "company": "Upstart Holdings, Inc.", "date_received": "2020-11-07", "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": "7fc71516f5ddfc667e456d13aa36282ce06abd7a22bae468a3d34c343213f2f7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX To Whom It May Concern, I just got my report and I think it's wrong! I was told I have a right to have an investigation done. 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. Please make sure everything pertaining to my credit report is correct. \n1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX Charge off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Late payment 4-Account name XXXX XXXX Account number XXXX 5-Account type Credit card Deadcharge off Account name XXXX XXXX XXXX Account number XXXX Account typeCollection XXXX name XXXX XXXX XXXX  Amount {$230.00} Collection Has violated my right. 15 U.S.C 1681 section 602 A. states I have the right of my privacy. 15 U.S.C 1681 section604 A. It's also states 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 reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate. \n\nPlease provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance 1.Delete account for failure to perform an investigation per fcra regulation I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 2.Cancel contract. Please provide the original contract or delete Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!\n\n3.Cancel contract. Please provide the original contract or delete This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.\n\n4.Identity Theft.\n\nPlease ensure that all information is accurate 5.I have paid as agreed on time this is an error This is not mine.\n\n6.Cancel contract. Please provide the original contract or delete Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have \" No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 7.The inquiry was not authorized I respectfully ask for you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature.\n\nAdditionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.\n\nI also heard that under 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. \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/6930544", "source": "cfpb", "group_id": "cfpb/2e423c7d9d1274c5bf67", "variant": "clean", "length_bucket": "long", "chars": 4017, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-05-04", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt is not yours", "text_sha256": "2e423c7d9d1274c5bf67b83d16a24eeaa1398e9808d05b31272f595a6bb0ad2a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any \" late payments '' because I \" re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the \" late payments ''.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2926256", "source": "cfpb", "group_id": "cfpb/ec38bac420c514e12f19", "variant": "clean", "length_bucket": "short", "chars": 337, "company": "Experian Information Solutions Inc.", "date_received": "2018-06-04", "product_raw": "Credit reporting, credit repair services, or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "ec38bac420c514e12f19dbe41be1afd3b9985b9bc15ef0ff524bd8282a48bad6", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am writing a formal Notice of Appeal and Dispute pertaining to the denial of a modification and on the actions of Specialized Loan Servicing pertaining to my property located in XXXX, Washington.\n\nI original submitted a complete financial package on XX/XX/2019 for modification purposes. Even though I submitted my documents in good faith, SLS has during and since that time set three ( 3 ) foreclosure sale dates on my property ; XX/XX/1919 and XX/XX/2019 and now XX/XX/2019. Lets just say that Dual Tracking violations are alive and well. During this time frame and apparent review from SLS, I was never once asked or inquired upon for clarification, explanation, etc. or perhaps has my financial situation become better or worse, or just what was my hardship.\n\nMuch beyond, shallow at best, in their review as my hardship was very specific and that my financial picture has improved much since XX/XX/2019 to present, but have never asked in 5 months time period. Instead, I was mailed/faxed a denial letter that I received XX/XX/2019\n\nThis denial letter stated that I was denied for the following reasons : 1 ). -The loan exceeds the delinquency requirements for this program 2. ) -The financial information provided does not demonstrate the ability to repay 3 ). - SLS was unable to verify a qualifying hardship In response to these three ( 3 ) vague, lame reasons for denying my modification I am disputing and appealing their claims as well as requesting a breakdown of the numbers and factors used to come to ANY of these conclusions so I may review for accuracy. There were no calculations given as to how SLS determined any of these accusations they are reporting to which they are basing their decision. Transparency is required and demanded in this Notice of Appeal and Dispute First of all, I did not create this fraudulent, corrupted mess, the purported mortgage holders did. I have been seeking a modification now for many years, while these purported mortgage bullies fight against themselves for illegal ownerships! So basically, the purported criminals i.e. possible lenders have taken all this what they call delinquency time or requirements to determine, amongst themselves, who is the biggest bully to acquire said loan. Even though in all of these years no one has been able to provide me with my requested, full, legal documentation, showing they can even qualify as a debt collector or who legally owns the loan, they continue to ignore my requests and/or can not provide the legal documentation I have requested.\n\nAs far as myself not having the ability to repay the loan, this is a false statement, as I have recently been approved for four ( 4 ) modifications on other loans. My hardships, which have been huge setbacks as stated in my Hardship Letter provided to SLS, stated these facts along with my continuing efforts to improve my situation, therefore requesting a modification. There was no explanation or reference to any facts or details for me to review in order to fully understand what was calculated in order for me to see how to continue to improve my situation financially in order to qualify for this modification.\n\nAlso, by law, I have not been given my legal 30 days to appeal and dispute this denial in writing. As of the date of this letter, SLS representatives have aggressively told me that I only have until XX/XX/2019 to get my appeal response to them ; when in actuality I didnt receive my denial from them until XX/XX/2019 as I had to request they send to me via fax in order to review! Therefore, they are denying me my 30 days to respond in order to hold a XX/XX/XXXX sale date in place for their convenience to steal my property illegally.\n\nI am requesting time to receive and review this very important information/documentation on my so-called denial and also a cancellation of the XX/XX/2019 sale date.\n\nThis action is total and complete fraud as well as blatant dual tracking, non-transparency, false reporting to credit bureau, non-compliance with providing me with requested documentation and CFPB absolutely needs to investigate this ongoing, fraudulent and corrupt mode of operations.\n\nThank you for your time and efforts and I do intend to keep 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": "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/3360499", "source": "cfpb", "group_id": "cfpb/560d4c89e550c15296e1", "variant": "clean", "length_bucket": "long", "chars": 4221, "company": "Specialized Loan Servicing Holdings LLC", "date_received": "2019-09-02", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "560d4c89e550c15296e1bdb86a3e01ee648e9a70eec0b16fd15da4859fc20393", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am raising this concern because I have a Loan secured through my Vehicle Title through TitleMax/TMX. As the consumer and natural living person I have the right to be treated fair and equitable during and after all Consumer Credit Transactions as well as notified in the open and conspicuously about rates, disclosures, fees, contractual agreements etc prior to a contract for it to be considered binding. I recently went to check on the status of my loan repayment and discovered that after almost a year I am nowhere near paying off the actual loan. Most payments have been heftily applied to alleged handling fees and interest. Only a meniscal amount has been applied to the principal. I was not alerted of this until my recent self discovery. When I went to get the loan in XXXX of XXXX my social security number was ran but apparently my loan was secured through my vehicle title only. The entire application was done on large computers by the representative. I received all of the paperwork in an envelope once I was everything was already completed and I was ready to walk out of the door. No one in the store went over these rates and disclosures with me in full detail. Everyone made it seem like they were doing me a favor and acting in good faith. However I now know that I have been manipulated and possibly frauded in the process. I only received {$650.00} when the loan originated in XXXX of XXXX. Why is the current payoff amount over {$350.00} in XXXX after 9 months of {$120.00} payments? These rates are ridiculously high and their practices from a consumers prospective is very deceptive and unfair to say the least. If they do not disclose these facts prior to doing business, how is that fair and equitable? They take advantage of already vulnerable people is morally and logically wrong. However all they care about is money and taking your vehicle in the event you are not able to make one of these outrageous payments. I would like for The CFPB to investigate TMX rates, disclosure policies, and overall business practices, to make sure they are in compliance with my state. After I discovered my rates I researched the company 's history a little more and found out that this company has a history of willful noncompliance and deceptive business practices. I have located over 200 Consumer complaints, XXXX XXXX XXXX complaints, Court Filings, countless forums online, and many consumers warning others to never do business with them. They even have a history of scamming military servicemen. This company is very shady. I even saw a press release from XX/XX/XXXX with a gentleman alleging the same exact thing to him at a store in Georgia. After he blew the whistle, TMX allegedly gave him his title back and said the loan was satisfied. That reaction alone lets me know that obviously they know this is happening but it is very apparent that they do not care! As a consumer, I believe that I have a right to fair and transparent financial services, and I am disappointed that TitleMax has failed to meet these basic standards of The Truth In Lending Act. I am also concerned that other consumers may be similarly affected by TitleMax 's illegal and unethical practices. Therefore, I request that the Consumer Financial Protection investigate TitleMax 's business practices and take appropriate enforcement action, including imposing fines and penalties and requiring TitleMax to provide monetary restitution.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7086504", "source": "cfpb", "group_id": "cfpb/3954e017fe3f7293bffd", "variant": "clean", "length_bucket": "medium", "chars": 3436, "company": "TMX Finance LLC", "date_received": "2023-06-08", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "3954e017fe3f7293bffdacab6af21b34ac7762654148cb2ec2a02a1972e9f016", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no 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": "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/2568186", "source": "cfpb", "group_id": "cfpb/d8c563d66b063285e8b9", "variant": "clean", "length_bucket": "short", "chars": 605, "company": "BB&T CORPORATION", "date_received": "2017-07-07", "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": "d8c563d66b063285e8b9f20f0bb40e9287ac9f4503ec5cce24f0de1e20876cfa", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got a title loan in Georgia then I XXXX XXXX XXXX because of covid and job loss, I continue making payments to TitleMax in Georgia even when I really wasn't supposed to because I did not live in that state. Every time I make a payment to Title Max it states I need to be in that state to make that payment. It's easier to make monthly payments than it is to pay off the loan because of the predatory style loan that's set up for people who are in desperate need. Last time I made a payment to TitleMax was on XX/XX/XXXX of 2021 for {$800.00} that next month on XXXX they repossessed my car, my child car seat was in that car and they took it about 2 hours away from where I lived at the time in virginia. Ive been very transparent to the store manager in Georgia I believe his name was XXXX XXXX on XXXX XXXX XXXX in XXXX Georgia. I was not able to get the car the same day it took a few days before I was able to come up with enough money to pay off my loan, I had to ask friends and family and a lot of people for help. This loan that was set up was easier to make monthly payments and the loan will renew itself if you continue to make monthly payments the monthly payments are easier to pay than it is to pay off the loan. TitleMax knows this is the predatory style loan they know they were praying on Desperate people and it wasn't right for what they done I was very transparent to everyone at TitleMax involved yet they still repossessed my car and made me suffer and have loss of income. \nI asked TitleMax the show proof of monthly payments I made to prove that I overpaid my loan, I would like TitleMax to fix this and reimburse me at least for something because of all the problems I have had with them and because of all the fake reviews at the store. I was required to put a five-star review after I receive my loan from the store manager. I go on XXXX reviews and everyone has put in five stars there's a reason for that. it's not because TitleMax has a good business model it's because they're required to by the store manager, the reviews are 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": "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": "struggling_to_pay", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/6829721", "source": "cfpb", "group_id": "cfpb/cb656fed30aebe58701f", "variant": "clean", "length_bucket": "medium", "chars": 2069, "company": "TMX Finance LLC", "date_received": "2023-04-12", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Struggling to pay your loan", "sub_issue_raw": "", "text_sha256": "cb656fed30aebe58701f0b6d789f5c2744abd61a5ef07f7df3830c0f3bb26b0c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Dear Experian I am an authorized user on XXXX XXXX XXXX XXXX secured credit card rewards visa. \nXXXX XXXX XXXX XXXX reported information inaccurate and late reporting on my consumer report from Experian, I made the full payment amount on XX/XX/23 to XXXX XXXX XXXX XXXX but XXXX XXXX XXXX XXXX reported payment on XX/XX/23, with a Balance of {$190.00}, according FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit FICO score has decreased by XXXX points as result of your unfair credit reporting According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 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 Dear XXXX I am an authorized user on XXXX XXXX XXXX XXXX secured credit card rewards visa. \nXXXX XXXX XXXX XXXX reported information inaccurate and late reporting on my consumer report from XXXX, I made the full payment amount on XX/XX/23 to XXXX XXXX XXXX XXXX but XXXX XXXX XXXX XXXX reported payment on XX/XX/23, with a Balance of {$190.00}, according FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit FICO score has decreased by XXXX points as result of your unfair credit reporting According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 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 Dear XXXX XXXX XXXX XXXX I am an authorized user on XXXX XXXX XXXX XXXX secured credit card rewards visa. \nXXXX XXXX XXXX XXXX reported information inaccurate and late reporting on my consumer report from Experian and XXXX I made the full payment amount on XX/XX/23 to XXXX XXXX XXXX XXXX but XXXX XXXX XXXX XXXX reported payment on XX/XX/23, with a Balance of {$190.00}, according to FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit FICO score has decreased by XXXX points as result of your unfair credit reporting on Experian also My credit FICO score has decreased by XXXX points as result of your unfair credit reporting on XXXX. \nAccording, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 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", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8048837", "source": "cfpb", "group_id": "cfpb/7ab498cb7c080015aa53", "variant": "clean", "length_bucket": "long", "chars": 5210, "company": "Experian Information Solutions Inc.", "date_received": "2023-12-22", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "7ab498cb7c080015aa53454417703a4e9979b8ccbd8cbe46c66ce2551d820436", "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 purchases on our American Express card totaled {$2000.00} that bill was paid in full by the due date of XX/XX/XXXX. In XXXX of XXXX, American Express took charges totaling {$900.00} from previous bills and placed them in what is known as a pay over time account despite the bills already being paid in full. They did not receive authorization to place these particular charges in a pay over time account seemingly because the bills were already paid in full. When looking at the accounting statement it can been seen where American Express issued credits to the bill in order to take the same charges and place in pay over time in which they began immediately charging interest for. A complaint was made and they were suppose to move the charges and close the pay over time account. That did not happen. In XXXX of XXXX, I called American Express because the bill seemed higher than usual. I was informed by a representative that it was because we still had pay over time charges and there was a payment that was return from XX/XX/XXXX that did not get posted to the account in the amount of {$1000.00}. The payment was originally returned however when American Express presented the payment again to my bank, it was paid on about XX/XX/XXXX. I spoke to several representatives and managers during this time who stated that the payment was \" missing. '' A dispute was filed for this amount and statements were sent in from my bank to show that the payment had actually been made. American Express did not find the payment until XXXX of XXXX. While in dispute, we continued to pay our bill and in XXXX we paid the bill to a XXXX balance however were never credited for the {$1000.00} that American Express said was originally missing. Now American Express claims that the payment was already applied to the account and all of the previous representative \" made a mistake. '' This issue has continued to be a problem and when we received the year end statement, I added up the total amount of charges that were made on the card and subtracted the amount of payments. I called because there was still a discrepancy with the account despite them saying that the {$1000.00} payment had already been posted. When I explained the discrepancy in the year-end-report, I was told that I can't do it that way I have to go by each statement or use the reconciliation report. I filed a complaint with their Ombudsman department in late XXXX early XXXX of XXXX about the same issue, on XX/XX/XXXX, I received and email stating that my complaint was received and they would be contacting the company regarding my concerns. We received a call from one case manager who worked on the case for two days and then left on \" leave. '' In early XXXX of XXXX, we received another call from the executive office and worked with XXXX who admitted that American Express made a mistake in saying the payment was missing and that it already posted to the account. However I still disagree, because if something was missing and you find it then we should not owe you money because it was never accounted for in the payments and credits. When I asked her about the accounting, year-end -statement and the online account that still shows the payment as being returned, she continually said well in \" our system '' it shows something different. I asked how can you give a customer an online account and send year-end-statements and when they use them to question a discrepancy you tell them that your system is different. How is that fair? XXXX agreed and sent me a reconciliation report that was suppose to show all of the billing from XX/XX/XXXX-XX/XX/XXXX and it does not. She also explained that I needed to use the reconciliation report to do the calculation so that we can have the same information however again, shouldn't the year-end-report that Amex sent or the website be the same information? She told me to call her after I reviewed it if I had a particular amount that was of concern. She also credited my account {$200.00} as she stated was for the misinformation and for my card being locked over the weekend when she stated it would not be. I explained to her that {$200.00} is not nearly enough for the amount of time I have spent on the phone and for a mistake that American Express made and that I in no way agree with what she is saying. Once I received the reconciliation report I call XXXX on XX/XX/XXXX only to get a voicemail that states she is on extended leave and to call the number on the back of the card. This has been a nightmare and here are my concerns : -Since XXXX of XXXX, I have spent over 2 hours on the phone each time I call regarding this issue and have retold the story way too many times to count. I am being transferred at least 2-3 times talking to representatives and managers who tell me different information about the same issue. \n-The issue is still not resolved. \n-American Express has acknowledged that the tools they give consumers to keep track of their account is ineffective because their internal system seems to be different and they can not see what the customer sees. \n-Different parts of the company such as the customer service department and the credit department can not see each others notes so it makes it impossible for them to understand what is going on particularly when there is an issue. \n- You have to file a complaint with a company in a different country for them to actually have a case manager work on your dispute otherwise it just gets kicked back into the system and no one does 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3185082", "source": "cfpb", "group_id": "cfpb/12b47bb934511e5b8d14", "variant": "clean", "length_bucket": "long", "chars": 5553, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2019-03-20", "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": "12b47bb934511e5b8d14ded0307fcd446afece192f2e2e15559592ceb14f8087", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On several occasions I tried to have Pay Pal resolve issues with some cases I wanted disputed, they never not one time attempted to settle these cases with me, they never let me talk to a member of management, nor did they even let me talk with there so called disputes back office. I have sent several e-mails with proof to back up my dispute cases. I have gave them plenty of time to comply with me but there being non-compliant to this day. My Financial Institution is now going to be drawn into this so they can take a look and take action against Pay Pal. If Pay Pal still refuses to comply with my orders I will take legal action against them. I will also do a follow-up with the California Attorney General as well as following up on my complaint with the FTC. I will continue to call Pay Pal Customer Service everyday there open for business and I will continue to fill there support inboxes. I will NOT let Pay Pal do as they please and take advantage of me, I will fight you tooth and nail till death do you part. I expect you to be an adult and take care of this issue and I DEMAND a member of Management to call me via phone. I will fight for my rights and I'm entitled to fight you till the 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"}}, "_meta": {"id": "cfpb/3311730", "source": "cfpb", "group_id": "cfpb/acb833b349f1b5b88c18", "variant": "clean", "length_bucket": "medium", "chars": 1208, "company": "Paypal Holdings, Inc", "date_received": "2019-07-19", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "acb833b349f1b5b88c18521afaa95072c98e38d11e24732364964a43b7bec5c7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "The complain is for an non-authorized credit card payment on XXXX of {$1700.00}. \n\nAt the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected. \n\nI proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit! \n\nI called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds. \n\nThen I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that. \n\nThe outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2426469", "source": "cfpb", "group_id": "cfpb/f1a6ad98ead25d98f76b", "variant": "clean", "length_bucket": "medium", "chars": 2481, "company": "BARCLAYS BANK DELAWARE", "date_received": "2017-04-09", "product_raw": "Credit card", "issue_raw": "Payoff process", "sub_issue_raw": "", "text_sha256": "f1a6ad98ead25d98f76b7e4555e63ea3eb05922a0166a2504c70918a9872a6ec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Please excuse any typos as this is voice texting. Synchrony reduced my credit line for XXXX XXXX, and didnt give me a letter or anything. I just noticed it on the website as I went to pay a bill and just found out recently when I went to pay a bill again that my Lowes credit card was canceled and it was paid on time I owed nothing but XXXX XXXX  on my account, the reasoning was my credit worthiness and Ive had this card for a few months already proven that Im paying my bill on time. Do I have debt? I have debt like any other American I pay mortgage. I pay credit card debt. I pay condo fee. I pay hospital bills and struggle to pay bills by God am I doing it? Yes, I am doing it. I called them and they said oh yeah we just closed it today. You should be getting a letter in the mail. There has got to be something illegal about these practices. Why approve me for the credit card and then just close it after seeing that I paid it on time on youre judging me on my credit worthiness, But the bill is getting paid. Someone needs to make it make sense to me. Synchrony business practices are unethical and if you look at their XXXX page, Im not the only one that theyve done this 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": "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/9080602", "source": "cfpb", "group_id": "cfpb/d5abec9a687a44822e6a", "variant": "clean", "length_bucket": "short", "chars": 1188, "company": "SYNCHRONY FINANCIAL", "date_received": "2024-05-23", "product_raw": "Credit card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "d5abec9a687a44822e6afb5cf3bd8fb377a096cc0a20c254ac04ba93dd2d584a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On   XXXX  , I went to   XXXX   XXXX   to purchase a   XXXX    XXXX   XXXX . Taxes included the car cost was approximately {$26000.00}. I paid approximately {$12000.00} down via chec k 2 checks. The correct amount to be financed ( although I had no reason to finance I only did so to make my credit better ) was to be at the time, {$14000.00}. Instead the dealership, or WFDS submitted {$18000.00}. I never recieved the loan agreement by the dealer as I was relocating from another state and he stated he would take care of the tags and more, even swindled me out of {$5000.00} for himself stating he needed a new loan for an inspiriational speaking job. I recieved my first bill payment of {$310.00}. I started to pay it straight away assuming it   was on the up & up. By   XXXX   I noticed that the debt was not being lowered, checked my credit report and disputed the amount, assuming that it was being reported wrong. I continued to pay. T hen Wells Fargo whom held my checkings, savings & WFDS DBA Wells Fargo  was breached. All of my accounts were compromised, money continued to be stolen via wiretransfers and every account I owned due to their lack of security was tampered with. The dealer stated the price was too high, he also owed me {$5000.00} of what I lent him seperate from the loan. Each time I r equested my money, he came up with another story & my accounts were accessed again. I had to relocate for my saftey. Wells Fargo  themselves could not stop the cyber theft & I was told multiple lies.   XXXX   XXXX   I had to make a n in branch payment, as by that point my passport was stolen, which is what the dealer stated ... I reported it, and Well Fargo could not purge my records to review the unauthorized purchases. I was told  to keep the checking account open for reinbursement, I was on their do not email list, yet I continued to get emails from them. I could no longer make payments online due to their lack of security, so I contacted WFDS Whom was aware of the problem, I always made an effort to pay. From   XXXX   on there were more intense cyber breaches on there part & I was being threatened forced to go to the dealership and caused harm. They could not find the records. I called  WFDS fo r the correct mailing address to make a payment. Since  XXXX , their phone numbers, and PO boxes changed so much so I did n't know if it was a fraudster. I contacted the bank directly & was told that all I was already told was wrong & to get a third party involved. I was getting ready to move back to  XXXX  when, I contacted them. A day later the car was gone from my residence. I never gave them my physical address for security reasons, yet they were able to find me & the car. I did not know if it had been stolen. They did not give me any legal written notice I was late, on my own ethical accord I contacted them trying to make a payment. They never told me how they found my address. I spoke with the Office of the President, and the  Regional Office & was told to wire transfer close to {$1300.00}, then I asked them how they fo  und my residence & they lied and said I gave it to them. I gave it to them after I contacted the police to only then find out they took the car. I was forced to rent a car, and go to   XXXX   XXXX  , I ma de my payment via  XXXX   XXXX  as they stated to do, they stated it would be ready within  XXXX  hours, when I contacted them to confirm payment, they had no option on their IVR. I was stuck on the phone for hours that day & had to rent a car, trying to figure out what was going on. Then I found out that my car was ready to be sent for disposition ( private sale  ) h ad I not physically gone to the location, despite only having around {$2000.00} left on the finance if what they did was n't illegal, they sent a letter on   XXXX   XXXX   XXXX   stating the reason being I broke promises in our agreement. An agreement I ne ver had and have yet to see. To date even after speaking with The Office of the President,  they first lied and said they 'd mail a copy, then did not. On   XXXX   I went to a branch and they faxed me an illegible copy. They copied and pasted my electronic signature. I went ahead and paid a minimum amount, I then recieved a notice of default and requirment of strict compliance, stating they \"  may '' have allowed late payments in the past. Not only did the y allow late payments, but th ey changed their terms as soon as apologized for sounding condesending and placing the blame on the dealer. When you contact them on the phone number they provide it states that this is an attempt to collect a debt, as if the company itself is just a debt collector doing business as Wells Fargo. I  never gave them m y email address, but they 've emailed me demanding payment. I asked for the terms of agreement so that I could review them and correct the problem, which was agreed verbaly & recorded with All Clear ID Investigators, they failed to provide it, and said to check with the dealer. The loan was submitted by the dealer, I have never seen the terms and conditions  for WFDS. They have electronically manipulated data in the past, had my car ready for disposition without ever speaking with me first. Then they added double the fee 's. Once out of redemption which cost me more money, they started debt collection practices all over again & sold my information when I specifically stated not to. While trying to get the car back, it was on a Friday, they are closed for the weekend, forcing me to wait to pay for it. They state to contact a number & select the option to confirm payment, that option does not exist, it is only set up for bankruptcy. They hired an unknown outside vendor to track my location, and harass me illegally. They have yet to tell me whom that was. On Elite Managements ( towing company ) they have the address from the dealership. The dealer stated he was being harassed by another man but the man offered him money to do as he said, causing me more harm. After making payment they upd the amount of the loan increased  more fee 's, having never seen the original contract, how could I break a promise, while they continue to break the law. They are now using cyber technology to go into the Wells Fargo banking system to see how much money is in my account. I even recieved an email with a do not email request on my \" hi gh value client '' portfolio, stating I asked to new changes in terms of agreement. I have exhausted all options, I 've tried very hard to get to the bottom of this honestly but they deny liability, delete cyber information & forged my signature by copy & pasting it online. The Dealership is part of a clear  fraud scheme defrauding its customers in alliance with WFDS , the dealer   XXXX   XXXX   stated he had worked for  XXXX   XXXX  criminals in the past but left that life behind. Unfortunatly those tactics did not stop. It tanks my credit to  XXXX , as all of my accounts were compromised by them both allowing the cyber intrustions and manual cash advances.  WFDS DBA Wells Fargo is doing this to customers in the state of Florida. If they were not criminal, a simple letter stating I was behind, would have prevented all of this, and with the correct address I could have sent payment, avoiding the repossesion process. If I pay it in full now, I will get another letter as I did with my collateral credit which stated the \" because you paid your bill, it confirms the charges are yours '', they go back & change terms without me ever seeing them in the first 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": "vehicle_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2471580", "source": "cfpb", "group_id": "cfpb/320fd7fe98d0995eb885", "variant": "clean", "length_bucket": "long", "chars": 7528, "company": "WELLS FARGO & COMPANY", "date_received": "2017-05-01", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Fraudulent loan", "text_sha256": "320fd7fe98d0995eb8850182f31563398d246a2fb1885a3de2d934d35b71577c", "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 billing statement form Citibank stating that there was a balance of {$5000.00}. According to them, this was the result of a balance transfer into a XXXX  XXXX XXXX account. I immediately went to a Citibank branch in my area and notified them that this account was not mine and somebody had opened it without my authorization, in other words, somebody had stolen my identity. The customer service representative at the Citibank branch looked into her system and told me that yes, somebody had opened a credit card line of credit under my name and address. At my insistence, they contacted the fraud/security department at Citibank to file a complaint. In a letter dated XX/XX/XXXX, Citibank stated that I had received benefits from a balance transfer to a valid account in my name at XXXX  XXXX XXXX. On XX/XX/XXXX, I downloaded a copy of my credit report from XXXX Credit Bureau. I noticed there were some errors with my personal information as well as 3 fraudulent bank accounts opened under my name ( Citibank, XXXX XXXX XXXX and XXXX XXXX XXXX ). On the same date, XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), reference # : XXXX. On XX/XX/XXXX, I contacted all 3 credit bureaus alerting them of the fraudulent accounts that appeared under my name. I requested that a fraud alert be placed on my credit reports as well as a credit freeze. On XX/XX/XXXX, I called the 3 banks where the fraudulent accounts had been opened. The representative from Citibank, stated once again that they would investigate my claim. The other 2 banks, XXXX XXXX XXXX and XXXX XXXX XXXX stated the same. On XX/XX/XXXX, I received a letter from Citibank ( dated XXXX XXXX ), that the account in question had been closed. They stated that in order to further investigate the fraudulent account, I would need to complete and sign a Statement of Fraudulent Application, which I did and returned to them on XX/XX/XXXX, via certified mail/return receipt. On XX/XX/XXXX, I filed an Identity Theft Report with the XXXX XXXX  XXXX Police Department, 70th Precinct in XXXX, N.Y. ( Police Report Number : XXXX ; case # : XXXX. The investigator assigned to this case, Detective XXXX, of the same Precinct. On that same date, XX/XX/XXXX, I submitted letters to the 3 credit bureaus as well as the banks where the accounts were opened fraudulently. I submitted supporting documentation ( the FTC Identity theft report as well as the complaint filed with the XXXX Police Department. On XX/XX/XXXX, I received letters from all 3 credit bureaus regarding my complaint for identity theft as well as the disputes I filed because of incorrect personal information on my credit reports as well as the fraudulent activities. The results were as follows : A ) XXXX Credit Bureau- a name that was not mine nor associated with me was deleted. They also deleted the incorrect apartment number which appeared in the report and added the correct one. XXXX also deleted the Citibank/Citicards as well as the XXXX XXXX XXXX fraudulent credit card accounts from my credit file. \nB ) XXXX Credit Bureau- They updated my personal information. They also deleted the Citibank/Citicards fraudulent account from my file as well as the XXXX account. They however, kept the XXXX  XXXX XXXX fraudulent account, claiming it was verified as accurate. \nC ) XXXX Credit Bureau- They also had the incorrect apartment number in the report. ( I wrote them a second letter and asked them to update their records with the correct information. They stated that the Citibank/Citicard fraudulent account was verified as belonging to me. They however, deleted the XXXX XXXX XXXX and XXXX fraudulent accounts from my credit file. \nOn XX/XX/XXXX, XXXX I received a letter from XXXX XXXX XXXX . The letter states that after conducting their investigation, they found that : \" we were unable to find eveidence that the tradeline displays on the bureau '' ; therefore, they do not hold me responsible for this account. \n\nOn XX/XX/XXXX, XXXX I spoke with a representative from XXXX XXXX XXXX XXXX She stated that they had received my letter along with supporting documentation on XX/XX/XXXX. She stated that the account had been closed, however, there was an open investigation into the account. \n\nOn XX/XX/XXXX, XXXX I once again called the Fraud/Security Department at Citibank . I asked them why I continue to receive billing statements from them if this account had been closed because of fraudulent activity as per the letter from Citibank dated XX/XX/XXXX. They were dismissive and kept switching me from one customer service representative to the next. One of the customer service representative finally stated, they would investigate and would send me another copy of the Statement of Fraudulent Application. When I inquired as to why I had to submit another form if I had done so previously, she simply stated to complete it and send it back to them ( which I did ). \n\nOn XX/XX/XXXX, XXXX Since I continued to receive billing statements from Citibank , I submitted a second letter, via certified mail/return receipt to Citibank , with supporting documentation about the fraudulent account. \n\nOn XX/XX/XXXX, XXXX I received a letter from Citibank ( dated XX/XX/XXXX ), stating that they had completed their investigation and found that I was responsible for the account in question based on the following : \" you received benefit from balance transfers to your XXXX XXXX XXXX account ''. They further state that they request the discontinuance of any further phone calls or written correspondence with them. \n\nOn XX/XX/XXXX, XXXX I received a letter from XXXX  XXXX XXXX XXXX The letter states that after conducting a review of my claim, they state : \" We wont hold you responsible for any transactions, interest charges or fees associated with this account. \n\nIn summary, Citibank, has declined to accept that the account opened in their bank under my name was a product of fraud because according to them I received benefits from a transaction into a XXXX XXXX XXXX account. They have failed to understand that the XXXX XXXX XXXX account was also opened fraudulently as the bank, XXXX XXXX XXXX, acknowledges on their letter sent to me on XX/XX/XXXX. \nIt is now XXXX and I see no resolution to this problem. Citibank does not want to hear any more of my claims and further, does not want me to call or write to them. \n\nI respectfully ask Citibank to close this account which now has a balance as of the XXXX Statement of {$7900.00}. I also request Citibank to cancel this account as it was opened fraudulently using my personal information. \nI hereby, seek the assistance of the Consumer Financial Bureau, to assist me in contacting Citibank and explaining to them what I have aforementioned. \nThank you so 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": "card", "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/3634452", "source": "cfpb", "group_id": "cfpb/ecdee85b0a3af6eb5580", "variant": "clean", "length_bucket": "long", "chars": 6814, "company": "CITIBANK, N.A.", "date_received": "2020-05-03", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "ecdee85b0a3af6eb55804ad750ec973d304cefbfb63f581e0c1a8153cae5a25d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. \n\n1. I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND YOU HAVE ME LISTED AS LATE ON THESE DATES LISTED AND I DEMAND THEY BE DELETED FROM MY CONSUMER REPORT.XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HENDERING MY CHARACTER AS A CONSUMER.\n\n2. I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HENDERING MY CHARACTER AS A CONSUMER. \n\n\nper usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. \n\nDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.\n\n15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGGENCY CAN NOT FURNISH AN ACCOUNTWITHOUT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. \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 ( 1 ) ( 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 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against companines listing inaccurate information, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.\n\nFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 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\nPlease help me I have studied these laws in the fcra and i just want justice for my consumer report 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/8194284", "source": "cfpb", "group_id": "cfpb/57cbe28dc35a884eb638", "variant": "clean", "length_bucket": "long", "chars": 4296, "company": "Experian Information Solutions Inc.", "date_received": "2024-01-21", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account information incorrect", "text_sha256": "57cbe28dc35a884eb638dfb29e445067fecca9639d97080201ec4991077e8e33", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Beginning in XXXX, my wife and I noticed multiple fraudulent charges on our checking account from multiple debit card transactions. We immediately reported them to our institution, USAA, and began the process of recovering the funds. Provisional credits were given to us, however all but one transaction was then taken back by USAA who claimed they were all legitimate transactions and offered no rationale for the findings. The sum total of this series of fraud was {$89.00}. Only XXXX transaction refund was maintained for {$2.00}. \n\nLater in XXXX we noted that there were XXXX fraudulent checks that cleared our account totaling {$370.00}. As soon as we saw them, we again contacted USAA to report the fraud. Also, seeing their fraud team 's inability to conduct a thorough investigation, we immediately uploaded on XXXX XX/XX/year> scanned copies of our signed passports as evidence showing that the signatures on the passports are markedly different than those signatures on the fraudulent checks. The bank then determined that XXXX of the checks for {$140.00} was legitimately fraud and then USAA sent us an affidavit for the second check to ensure that we in fact did not benefit from the {$230.00} check. This was signed, notarized and sent back to USAA who claims to have never received it despite me having proof of it being delivered by XXXX. Resultantly they have taken back the provisional refund of {$230.00} on XXXX XXXX without any communication to us. We found this out by examining our account history. This rescinding of the refund has cost us overdraft fees as a result.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10138488", "source": "cfpb", "group_id": "cfpb/780a50fbfd3073fa635d", "variant": "clean", "length_bucket": "medium", "chars": 1590, "company": "UNITED SERVICES AUTOMOBILE ASSOCIATION", "date_received": "2024-09-16", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Cashing a check", "text_sha256": "780a50fbfd3073fa635d4acdbcfda8864bf37c76755480d24ee1c9b0efd98643", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I submitted a complaint to CFPB in XX/XX/XXXX regarding the harassment I continue to endure from Discover Student Loans for repayment of a private student loan that was taken out on my behalf in XXXX. The company provided false information in their response to my complaint and they continue to harass me. In XXXX or XXXX, the Discover XXXX XXXX Agent I spoke with told me that the only alternative payment option was an \" interest only '' repayment period, but she informed me that the monthly charge was only marginally different from the minimum monthly payment ( approximately {$200.00} ) and I explained that I still could not afford that due to my financial hardship. She apologized and told me unfortunately there were no other options. Prior to the \" No Calls '' notice allegedly being applied to my account on XX/XX/XXXX, I had requested Discover stop calling me multiple times before and after filing this CFBP complaint. My requests were repeatedly ignored. Once I had submitted this complaint, I began to document the ongoing harassment more diligently and I can confirm that I answered calls from Discover and verbally requested for the calls to stop because I had already filed a complaint of harassment. The dates I have record of this were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I then proceeded to block the Utah number when they would not stop. Shockingly, I began receiving calls via another number on XX/XX/XXXX. Again, I verbally requested that the calls stop, and thankfully the frequency of calls decreased after this, but I was still being contacted sporadically. On XX/XX/XXXX I was called again, and to the best of my memory I asked to be transferred to another department who might be able to help because I had no idea what to do at that point. I had no means to pay what they were demanding, and I had already reported the harassment. Furthermore, I reviewed the promissory note they provided to CFPB and I could not locate a hand-signature nor a certificate of electronic signature verifying that this document was legitimate. I have no recollection of this document and was unaware of the terms of this loan. I have no reason to believe that this is a binding agreement. \n\nI continue to receive emails and postal mail threatening me that my loan will be due in full if no action is taken. Discover has provided no manageable repayment options that fit my financial needs. To reiterate, it was my understanding that my father took out a small student loan of about {$13000.00} with Discover to supplement my federal loan package to afford me the ability to complete my XXXX XXXX XXXX at XXXX University. The application process was completed by my father and it was my understanding that this private loan was similar to the Parent PLUS loans he also applied for on my behalf. I had no knowledge of the conditions of this loan. I have explained my circumstances to more than one Discover XXXX XXXX representatives. At one point, they offered me a 6 month period of forbearance, and informed me that they would re-evaluate my repayment options once this period ended. When the period ended, they did not offer me any repayment options that were matched my financial circumstances. They told me that I could opt for interest-only payments, but this was still above $ XXXX, and I told them I do not have any disposable income to allocate for this. My financial circumstances are such that I am currently receiving XXXX XXXX and XXXX in order to make ends meet. I have had this conversation with multiple representatives from Discover Student Loans, and they apologize but tell me there are no other options. I have received calls from their collectors even while attending church on Sundays. I asked them to stop multiple times and they disregarded my requests. If the minimum payment had been $ XXXX I would have had no issue paying it, but they insisted this was not possible and any partial payments I made would have no effect on my minimum monthly payments, so I would continue to see \" late '' charges accruing. Their harassment has caused an undue burden of stress that has severely impacted my mental health and job search ability. I am left feeling hopeless with a useless XXXX XXXX and a private student loan that has ballooned to almost {$20000.00} with all of the late fees and accrued 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": "struggling_to_repay", "src": "cfpb_issue_student_loan"}}, "_meta": {"id": "cfpb/8868498", "source": "cfpb", "group_id": "cfpb/9c49b044026594dd4f58", "variant": "clean", "length_bucket": "long", "chars": 4331, "company": "DISCOVER BANK", "date_received": "2024-04-26", "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": "9c49b044026594dd4f58005d418ddcf1534bcd76d4950459564a22e6bce21441", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX sent an email saying they are closing all debit card account. I tried to login. I can't. I emailed them to request they liquidate my account and return my money to my XXXX account. They are trying to force me to sign a contract with a different company in order to get access to my account. I DO NOT ACCEPT THAT CONTRACT. I DO NOT AGREE TO THE TERMS OF SERVICE AND WILL NOT CLICK I AGREE TO SOMETHING I DO NOT AGREE TO. They are trying to force me to share my ID with a company that has nothing to do with my bank. My identity has already been stolen and uploaded ID copy used to open other accounts because of you!!!", "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/6352001", "source": "cfpb", "group_id": "cfpb/4fc6de84e94f87898a09", "variant": "clean", "length_bucket": "short", "chars": 622, "company": "ROBINHOOD MARKETS INC.", "date_received": "2022-12-22", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Funds not received from closed account", "text_sha256": "4fc6de84e94f87898a09297078ee22499834dc108948ca7c67d90d3993d58406", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "On both XX/XX/XXXX & XX/XX/XXXX I was contacted by your office, which appeared on my called ID as XXXX, KS on XX/XX/XXXX, when I answered there was no body there. The call was placed on my cell-phone and a number of XXXX appeared. When I called, no one answered. I was again contacted on XX/XX/XXXX with the caller id showing XXXX, KS again I answered and no response. This time it showed a number of XXXX, which I called back and spoke with XXXX XXXX who identified himself as a collector for Stellar Recovery in an attempt to make a demand on a debt to XXXX XXXX from XX/XX/XXXX. When I advised XXXX XXXX this account was past the statute of limitations he said No it certainly is not. Before I progress with the rest of the facts, let me state under Kansas States Annotated 60-511 A creditor must bring an action-based on a contract that is expressed or implied but not in writing, an oral contract within three years. As there was never any written contract for service this was in-fact a time bared account. This act of collecting on a time barred account in its own is in violation of 15 USC 1692e subsections 807 ( 2 ) ( A ), as the legal status of the account is time barred to which XXXX XXXX disagreed with, keep in mind, his answer must be truthful under the FDCPA. I was then transferred to a supervisor XXXX XXXX and asked why my caller ID just shows XXXX, KS to which she stated We use an auto-dialer ). This is in violation of two laws. First, the TCPA that The FCC has determined that debt collection calls are not telemarketing calls. Therefore, under the rule the FCC has stated that with respect to autodialed or prerecorded debt collection calls, to the extent that they do not contain telemarketing messages, would not require any consent when made to residential wire line consumers, but require either prior written or oral consent if made to a consumers wireless number referring to 47 C.F.R. 64.1200 ( a ) ( 1 ). At no point, did I ever consent to my personal cell-phone number to be called. Additionally, the way your caller ID shows is XXXX, KS, but it is not just the name that I argue is a violation of law, it is the fact that the phone number that appears is a XXXX, KS number, when your office is clearly in Florida. Such action constitutes a violation of the 15 U.S. Code Section 1692f ( 5 ) Causing charges to be made to any person for communication by concealment of the true purpose of the communication. Obviously I have the right to determine what calls to accept and what ones not to answer. By concealing the true caller on the caller ID, your office has engaged in deceptive practices and as XXXX XXXX admits this is an auto-dialer, I am wiling to bet I am not the only consumer for whom your office has done this to. Additionally, I was never given the opportunity to dispute the bill.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2553124", "source": "cfpb", "group_id": "cfpb/59e1e535411651f85f0f", "variant": "clean", "length_bucket": "medium", "chars": 2827, "company": "Stellar Recovery, Inc.", "date_received": "2017-06-15", "product_raw": "Debt collection", "issue_raw": "Communication tactics", "sub_issue_raw": "You told them to stop contacting you, but they keep trying", "text_sha256": "59e1e535411651f85f0f9dc4975093ecb11b8b142db908b29be6007d9389ebba", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( Experian and XXXX ) but XXXX came back as unverified and was removed from report. \n\nXXXX 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/6909090", "source": "cfpb", "group_id": "cfpb/6908246738d0834553d0", "variant": "clean", "length_bucket": "short", "chars": 320, "company": "Experian Information Solutions Inc.", "date_received": "2023-04-30", "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": "6908246738d0834553d0ce71bc6bcb2e5efe8a253697907330917263dca3f0bb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have an account with Coinbase. I initiated a {$12000.00} transfer from their website coming from my XXXX XXXX  account. The transfer was successful. Coinbase initiated a 2nd unauthorized {$12000.00} transfer that was declined by my bank. Coinbase then proceeded to remove XXXX XXXX ( XXXX ) from my account ( the equivalent of {$12000.00} ). There never should have been a second transfer attempt, Coinbase had the proper amount of money transferred to them, and they had no right to steal any of my assets. I have been emailing them and trying to contact them since XXXX XXXX. They do not have any way to contact them directly and they do not respond directly to my emails. I do not know what to do ... The attached file clearly shows the $ XXXX transfer from my XXXX XXXX account. The other attachment shows where I purchased XXXX then sent it out on XXXX XXXX. Then it shows a negative purchase ( removal ) of XXXX from my account on XXXX XXXX. They do not show and never credited me for the $ XXXX transfer shown in my bank 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": "money_transfer", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/4149209", "source": "cfpb", "group_id": "cfpb/5550bd0e9ceb3951d350", "variant": "clean", "length_bucket": "short", "chars": 1040, "company": "Coinbase, Inc.", "date_received": "2021-02-18", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Other transaction problem", "sub_issue_raw": "", "text_sha256": "5550bd0e9ceb3951d350cdb8b247b5279067e1070d900337f373237aeca14060", "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 I called my previous mortgage company, NewRez/Shellpoint Mortgage to advise them I was refinancing my loan and to not make the XX/XX/2020 county tax payment. The title company for the refinancing paid the county tax payment on XX/XX/XXXX and their system would have blocked any attempt by NewRez to send a duplicate tax payment. \n\nOn XX/XX/XXXX I received my escrow refund from NewRez/ShellPoint for just {$3600.00} which is minus the {$8600.00} tax refund. I tried resolving this issue with NewRez by calling them to ask that they research the issue on their end and to send me the missing escrow funds immediately. I was simply told their records showed the payment was made and that there was nothing I could do but file a dispute. I said, \" That's why I'm calling! '' They provided me with a fax number ( who faxes anymore? ) and an email address. I have emailed them my dispute which seems unfair since I already verbally advised them of my dispute by 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": "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/3844181", "source": "cfpb", "group_id": "cfpb/c1cba03ad772d92860ff", "variant": "clean", "length_bucket": "short", "chars": 977, "company": "Shellpoint Partners, LLC", "date_received": "2020-09-14", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "c1cba03ad772d92860fff74a82c718d2d2d2625f5b91c14b4b42109b5d2df054", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "TransUnion XXXX XXXX credit error all should be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$750.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$15000.00} Needs Attention I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. \" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719, 1 may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Please verify the debt as required by the Fair Debt Collection Practices Act. Engelhardt V. Gravens ( Mo ) 281 SW 715, 719, 1 may presume that no proof of the alleged 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": "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/9729191", "source": "cfpb", "group_id": "cfpb/602f239ce4fc013576af", "variant": "clean", "length_bucket": "medium", "chars": 3029, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-08-06", "product_raw": "Credit reporting or other personal consumer reports", "issue_raw": "Incorrect information on your report", "sub_issue_raw": "Account status incorrect", "text_sha256": "602f239ce4fc013576afb11f4d5479d996ba8e4642678c7c74ed80efed36d07f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "It has now been nearly 8 months since I submitted my PSLF application. Mohela confirms I have made more than the required 120 payments however they have failed to discharge my student loans. This is absurd and unacceptable. Payments will soon be resuming and I would appreciate it if Mohela could finally take some action on 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": "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/7460853", "source": "cfpb", "group_id": "cfpb/ac7e83b69fe5417bad8f", "variant": "clean", "length_bucket": "short", "chars": 336, "company": "MOHELA", "date_received": "2023-08-29", "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": "ac7e83b69fe5417bad8f70280966ff10c1e64228b24ca0c1c086cf88f0136b08", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made a substantial payment of {$5300.00} to Synchrony Bank ( Care Credit ) in XX/XX/XXXX. Thereafter, a non-promotional charge of {$350.00} appeared on my balance. I immediately called to rectify the discrepancy and have been advised that it would take up to 60 days to resolve. Several supervisors have subsequently reviewed the account and agreed that the charge should not be reflected on my account and adjusted. I have also been charged interest each month for the non-promotional balance ( I have never made a non-promotional purchase ). As of XX/XX/XXXX, I spoke with a supervisor and was told that it would take another 60 days to resolve. The following are ll my notes with Synchrony/Care Credit : XX/XX/XXXX spoke w/XXXX following payments will be allocated from {$5300.00} payment recvd : XXXX : {$630.00} ; {$1300.00} ; {$1500.00} ( {$2000.00} original purchase ) ] ; XXXX : {$1100.00} ( entire amount ) ; XXXX : {$290.00} ( entire amount ) ; XX/XX/XXXX : {$390.00} balance - {$320.00} to be paid ( OWE {$75.00} ) ALL INTEREST FOR XXXX PROMOTIONS TO BE WAIVED {$710.00} XX/XX/XXXX ( XXXX XXXX. ) t/c XXXX ; advised that they are working on adjustments will be done by XX/XX/XXXX ; she waived {$710.00} new balance prior to adjustments {$1800.00} [ should be updated in 2-3 days ] XX/XX/XXXXXXXX XXXX XXXX XXXX ) t/c XXXX re adjustment of payments and reflection of accurate balance ( {$1300.00} ) ; explained everything she did say there was a non-promotional charge ( {$360.00} ) that should no reflect ; we both went over the account ; {$140.00} discrepancy ( came from {$1500.00} account that was showing {$1600.00} ) w/out {$140.00} discrepancy and removing {$360.00} non-promotional, total {$1400.00} ) {$5300.00} PAYMENT WAS NOT ALLOCATED PROPERLY ( APPLIED TO XX/XX/XXXX BALANCE AND NOT XX/XX/XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX ) t/c XXXX ; discussed recent electronic correspondence ; we discussed duplicate {$900.00} payment ; stated XXXX ; advised that they are working on adjustments will be done by XX/XX/XXXX XXXX she waived {$710.00} new balance prior to adjustments {$1800.00} [ should be updated in XXXX days ] ; XXXXXXXX XXXX. spoke w/XXXX he said that the non-promotional balance that says terminated will update/drop off ; he said that changes were made on XX/XX/XXXX ; only balance remaining is the {$390.00} balance that expires in XX/XX/XXXX and {$1000.00} balance ( {$1200.00} original charge ) balance left for XX/XX/XXXX expiration XX/XX/XXXX ( XXXXXXXX XXXX ) t/c XXXX re terminated charge ; she said that she got a XXXX involved and they will update the account to reflect balance XXXX XXXX terminated charge of {$350.00} ( change ) ; she said it XXXX take XXXX billing cycles XX/XX/XXXX ( XXXXXXXX XXXX XXXX -t/c XXXX re interest charge for XXXX ( {$8.00} on XX/XX/XXXX ) ; she said that she does not want to remove any interest charges because someone is working on this matter ; I was told that went the terminated balance is updated, the interest charge will be removed XX/XX/XXXX ( XXXXXXXX XXXX ) t/c XXXX re status of removing terminated charge ; advised that I have been charged interest for two months for the terminated charge and was told that it would take 60 days ; she checked with a manager ; after a long hold period, she advised that the manageXXXX, XXXX, did see that the terminated amount should not reflect on the amount owing, including the interest, and that she was going to send to Accounting for further action/removal. She said once the account is accurately reflected, the amount will be updated and any interest removed. \n\nXX/XX/XXXX ( XXXXXXXX XXXX. ) t/c XXXX; asked to speak w/supervisor ; XXXX XXXX ( supervisor ) -explained the entire terminated balance and interest; explained that this issue has been going on since XXXX ; it has been agreed with more than one supervisor that balance should not be reflected for terminated balance and that no interest should be incurred ; XXXX checked into this ; agreed that charge and interest need to be adjusted, but he said that it would take up to two billing cycles ; he stated that he would submit on a high priority", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/7800342", "source": "cfpb", "group_id": "cfpb/a9e84ce9e43d3ed39749", "variant": "clean", "length_bucket": "long", "chars": 4134, "company": "SYNCHRONY FINANCIAL", "date_received": "2023-11-03", "product_raw": "Credit card", "issue_raw": "Fees or interest", "sub_issue_raw": "Problem with fees", "text_sha256": "a9e84ce9e43d3ed397496411fe2c03b07f0bf6d042fd668fcd78a0d755d9bfb7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a vehicle that was financed by Wells Fargo. My vehicle was repoed by Wells Fargo without proper notification and extra fees were added to the bill. I read a notice about the lawsuit against Wells Fargo for this practice. I bought the vehicle, XXXX XXXX XXXX, in XXXX at a dealership in XXXX, Ohio.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6478915", "source": "cfpb", "group_id": "cfpb/683d7161e6b8ea84bd59", "variant": "clean", "length_bucket": "short", "chars": 303, "company": "WELLS FARGO & COMPANY", "date_received": "2023-01-25", "product_raw": "Vehicle loan or lease", "issue_raw": "Managing the loan or lease", "sub_issue_raw": "Problem with fees charged", "text_sha256": "683d7161e6b8ea84bd593fa3565b0b37384cfc463d8da40988815acdd687f1f7", "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 logged into Mr. Cooper 's website to pay my mortgage. The site listed a {$850.00} escrow shortage stating that my mortgage would increase to {$1400.00} if not paid. I paid the {$1300.00} that was my regular mortgage payment then tried to pay the {$850.00} escrow shortage. Mr Cooper took out {$1300.00} pulse {$2200.00} which is the total of the escrow shortage and the then mortgage payment. Mr Cooper took out a total of {$3600.00} instead of the {$2200.00} intended to pay them. I immediately called Mr. Cooper and informed them of the discrepancy and was told that it would take 14 to 30 days for a refund. This was unacceptable so I called my bank XXXX. XXXX refunded both payments The {$1300.00} as well as the {$2200.00}. I waited a few days then went back onto Mr Cooper 's website to make my payment which was {$1300.00}. By this time there was a late fee assessed of {$15.00} so I paid that as well. I waited three days later then tried to pay {$400.00} towards my principal Mr. Cooper took out {$1800.00} instead of the intended {$400.00}. Again I complained to Mr Cooper and was told about the 14 To 30 days for a refund. So I called XXXX to stop payment on the {$1800.00}. In the meantime I noticed that none of the {$400.00} had been posted to the principal it was all allocated the made up appraisal and legal fees when i asked about these legal fees i was told that these were fees form XXXX upon further research I paid these XXXX XXXX fees last XXXX, Upon speaking to XXXX XXXX a Mr Cooper agent on XX/XX/XXXX about all the fees i was charged by this time my account was showing that somehow I was showing missed payment for XXXX XXXX and XXXX. I went around and around with this woman then I was told that the reason for the delinquency was Mr Cooper had paid XXXX XXXX. as well as XXXX XXXX. I informed her that XXXX XXXX was cancelled and should have never been paid. XXXX XXXX assured me that XXXX was going to mail the refund to me. As the refund was taking so long to come in the meantime trying to salvage my credit report i paid the {$1400.00} on XX/XX/year> after receiving that payment Mr cooper then stated that I owe another {$1700.00} because of the {$5400.00} that they paid out to XXXX XXXX. but the account would be corrected. XXXX returned the check to me. XXXX sent the check to Mr Cooper. I found out the same day as wellsfargo bill pay sent out the check for the {$1700.00} I tried to cancel that check through my bank and was told it was too late to cancel the check. I emailed and called XXXX XXXX to inform her that she had lied to me and that the check from XXXX  was returned to her on XX/XX/XXXX, XX/XX/year> After speaking to you by phone an hour ago. as you so rudely informed me that Mr Cooper is refusing to refund me the {$5400.00} that XXXX  insurance sent to Mr Cooper instead of me. Here 's how I am requesting that my {$5400.00} is applied as the following payments. I have informed my bank to stop payment on the check in the amount of {$1700.00} do not cash the check from XXXX XXXX in the amount of {$1700.00} as stop payment was done XXXX at XXXX The {$1700.00} that Mr Cooper claims is my Mortgage shortage {$1400.00} Payment for XX/XX/XXXX {$1400.00} Payment for XX/XX/XXXX {$850.00} should be unapplied funds and I will owe {$540.00} XX/XX/XXXX None of this was done Mr Cooper now claims that there is no record of the {$1700.00} which has cleared my bank even tho XXXX XXXX called me and claimed she had to get XXXX online with me. The last time I got online with XXXX she had them send the check to her so I wasn't trusting her again. But two day later a XXXX XXXX from Mr Cooper called and he claims he had no record of the {$1700.00} payment from XXXX. And that my account is now current and my next payment is due XX/XX/XXXX in the amount of {$1900.00}. Mr Cooper has received {$8600.00} from me in the month of XXXX and refused to refund my {$1700.00} that was not due at all. increased my monthly mortgage by {$560.00} this can not be legal. Still stating that I owe for may they are holding a sum of {$970.00} in unapplied funds for whatever reason. I have requested that Mr Cooper mail me a 24 month statement of all transactions on my account since their records are different from the online records. This has not refund of happened yet and I am still awaiting my the {$1700.00} which I did not owe for the month of XXXX. I definitely want to see how the {$5400.00} was applied to the account. Mr Cooper is falsely reporting lates on my credit report when there has been no lates. This is not right Mr Cooper is creating unnecessary hardships for consumers. Mr Cooper is breaking the law by misapplying funds to enhance their own agenda. You can refund me my {$970.00} as well as the {$1700.00}.", "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": "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/8819776", "source": "cfpb", "group_id": "cfpb/07a7d807980d105f061f", "variant": "clean", "length_bucket": "long", "chars": 4784, "company": "Mr. Cooper Group Inc.", "date_received": "2024-04-20", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "Trying to communicate with the company to fix an issue while managing or servicing your loan", "text_sha256": "07a7d807980d105f061f0c8114c1200448e86964cde344fb50c26735a6d4ac18", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "CONVERGENT OUTSOURCING , INC . \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a regulation under the FDIC Act known as Regulation 5000, which acknowledges an unsecured debt as a different classification from standard to sub-standard. On day 120 of default, all interest, late fees and overdraft fees cease, and the basis of debt id re-evaluated. On each of these collections the standard has been violated as both entities are using a 180-day default method, which means both the accounting and its subsequent collection process is a violation of my rights under the Fair Debt Collection Practices Act. In essence, both collection processes are VOID, and must be recalled by their respective original creditor. I am a XXXX American citizen who believes that my rights are being violated and my civil rights are in total violation under the Civil Rights Act. \nI make the following demands : XXXX ) A true copy original of my credit application, and XXXX ) A complete accounting under FDIC Regulation XXXX guidelines. \nI, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. \n2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. \n3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. \nI respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. \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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3852462", "source": "cfpb", "group_id": "cfpb/4974c28ab7f40cf43701", "variant": "clean", "length_bucket": "medium", "chars": 3332, "company": "Convergent Resources, Inc.", "date_received": "2020-09-17", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "4974c28ab7f40cf437010ab2efff52c13e7f18749681e1972c3c7bd46cdf34bd", "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 early XXXX XXXX, I fell victim to a multi-layered scam operations run by XXXXXXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Charles Schwab account to fraudulent investment firm.", "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/9601795", "source": "cfpb", "group_id": "cfpb/85b454382831d615a03e", "variant": "clean", "length_bucket": "short", "chars": 242, "company": "CHARLES SCHWAB CORPORATION, THE", "date_received": "2024-07-25", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "85b454382831d615a03ea6c1c51c71f34f5fef19610b8facf44d1c11c8f25966", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "In XXXX I opened a TD BANK checking account ( AC # is attached to a picture ) in the Town/ City of XXXX XXXX , NY . I worked in the area for the summer and it was the closest bank to where I lived, about a XXXX - XXXX minute walk to be exact. I got my account on XX/XX/XXXX ( I will attach images to prove this fact ), and I got a checking account as well as a savings account with them. About a year passed while in XXXX I saw that there was a hold on my account and I could not get to use my debit card or use my XXXX account and I don't have access to my login anymore either, I called the bank and they said I had to come into the branch to get the issue sorted out. I kindly informed them that would be impossible for me because of the whole covid 19 pandemic I was not able to travel. They were adamant that I need to physically come into the branch to fix to issue. Fast forward to XXXX when I finally get back a chance to come to the USA, I immediately go to visit the TD bank branch I had signed up in XXXX, and to my surprise, the bank was not there anymore they had discontinued that branch. So I went to go visit the TD banks in XXXX and XXXX. Both branches told me that my account was closed out. So I ask them where the money was that was in my account. I had a total of approximately {$4000.00} USD in my accounts the last time a checked before they locked me out. {$2000.00} in checking and {$2000.00} in savings. They told me that I should have gotten a check mailed to my address on file and when I informed them I did not receive a check they are giving me a number to call ( XXXX ) XXXX saying that's the demarketing department when I call the number it brings me to an automated voice system that takes your message, promises to call back in 2 days and never does ..when I return to the branches informing them that nothing happens when I call the number and that I need help to get my money back they are telling me there is nothing they can do so at this point I think TD bank stole 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"}}, "_meta": {"id": "cfpb/5756510", "source": "cfpb", "group_id": "cfpb/31dcc07d64adfd5f2dd8", "variant": "clean", "length_bucket": "medium", "chars": 2015, "company": "TD BANK US HOLDING COMPANY", "date_received": "2022-07-11", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Problem with customer service", "sub_issue_raw": "", "text_sha256": "31dcc07d64adfd5f2dd8ad904293fcd6d7f09c39bc058dfe94cc2a2964a5c75c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am applying for a loan since beginning of XX/XX/2020, to buy a property. My credit score was good, but since I had a medical debt, my lending company thought it was best to pay off the debt so that my credit score could go up of many points more and it would be great for my application. The only thing that I had to do for it was to call ALLIED DEBT COLLECTOR and pay it off and get a proof that the debt was paid off. So I called the first time on XX/XX/XXXX to resolve my case and paid my amount due of {$250.00} for XXXX in one single payment. I was told by XXXX that it would take 60-90 days for the credit bureau to show it online. Explaining that I needed a proof ASAP for my lending company that my debt was paid off, I asked if I could get a proof send by email. I was told no, they never send anything by email but by mail. I gave my full address and was told that the letter would be sent right after the debt was collected, which as the next day. \nI have since, checked my mailbox every single day. I NEVER got any mail that is more important than just store advertisement. I called my banker several times on recorded line talking and keeping updates on weather this letter came into my mail or not, and the answer was always NO of course. \nIn the last 10 days I tried to contact ALLIED again several times, at least 5 times without any response. Then I contacted my banker again explaining that it has been over 35 days since the debt was paid, that nobody was answering the phone at ALLIED and that on my XXXX XXXX it was showing that the debt is paid but I could not do anything without this letter. Few days ago my banker told me that my credit score went down! I was shocked since I have nothing else, no debt at that point, credit cards all paid off and no late payments. my banker said that the only way for me to have that number up again, being able to close the loan AND the closing of the property is to get this proof from ALLIED. That is the only thing that put everything on hold. There is NO other way. The closing date has also been postponed several times. \n\nSo I called ALLIED again and spoke to a first person ( don't remember the name ), then to an XXXX, then to another person, then to XXXX and then again to XXXX. To all of them I explained my request of the importance of this letter and proof of pay off and that the letter never came in my mail. I asked to all of them if it was possible to resent this letter to me in a faster way, such as email or fax or expedited. \n\nThe only thing that made sense of all the conversations and calls is that they all said was : \" the account was closed on XX/XX/XXXX ''. \" it takes 60-90 days to remove it from the bureau ''. \nOtherwise, one person told me : \" the letter was sent out the next day '', \" it has to be reviewed before sending, then it gets in your mail after 20 business days '', or \" we never send a second letter, or same letter twice. Once it is send out, it is over '' Another said : \" we never sent out letters once it is paid off '' Another one said : \" we sent out letters 14days after the payment has been made, then it takes another 7 to 14 business days to get to your mail '' or also \" well for us, the letter has been sent out so whatever else is none of our business and there is nothing else we can do ''. \nOne person said : \" we can send it to you by email, but not the same letter that the bureau but a proof of account paid off. '' Last night I had checked my credit score and credit informations online, where it was written that the debt was closed online on XX/XX/XXXX. So none of the phone conversations made sense with what was showing online. \n\nRegarding the call operators, one of them did not appreciate that I requested to talk to a supervisor, he said that the supervisor would \" maybe '' call me back but that was not sure. I could not even speak to the accountant department, because I was not allowed to. Someone else told me that today the request to talk to a supervisor could be made and the supervisor would \" maybe '' call me within 42-72hours,  but not even certain of it. Although I said it was an extremely urgent matter. There was nothing to do beside waiting the \" uncertain '' phone call and also IF the supervisor would be able to send another letter or any proof of any way. \n\nI was also told over the phone that I had to check with my local post office, which I did but there was nothing for me. But also told : \" For us it was sent out, so ... it is not up to us ''. I even proposed to pay for an overnight expedited mail, but was told that this is not up to us anymore since it had to be reviewed before mailing out. '' A review from the accountant department before mailing a copy of the letter that was already paid over a month ago and sent out? \n\nI am now in stand-by stupidly waiting to get an answer, phone or just a proof by mail ( if it was ever sent out, which I truly don't believe so ). If sent, why is it also so difficult to sent the same letter a second time? It is not my fault if I never got it. \n\nNobody cared enough. I called my banker several times again, all phone calls are recorded by them so I have proof of that, and I know your phone calls are recorded too. \n\nI told everyone how extremely important and urgent this situation was for me, for my loan, to get a new copy because I never got the mail and I was supposed to do the closing for my property already Monday XXXX, then postponed 2 more times. Now probably another time but I don't even know when. The seller is getter me in trouble for it, the title company is seeking for explanations, my real estate agent has more work to do. I have no idea what to tell them. I am lost, confused, stressed out, frustrated and lied to. All of this for one single letter that would unblock everything for my husband and I. It makes me look very unprofessional in front of everyone. All this for a small loan that has been ready to be send to the title company weeks ago. Just for this matter my husband and I are ashamed. \n\nAllied has not been cooperative in any way. This situation is extremely ridiculous!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3746725", "source": "cfpb", "group_id": "cfpb/92b274b6d28e556be672", "variant": "clean", "length_bucket": "long", "chars": 6112, "company": "Allied Collection Services, Inc. (Nevada)", "date_received": "2020-07-15", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was paid", "text_sha256": "92b274b6d28e556be67285ff42de6aebf0416cc9ac163e2f8b8acc02b27ab44f", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Debt Validation and Complaint against XXXX XXXX  ( subsidiary of XXXX XXXX ) This letter is being sent to you in response to your XX/XX/2020 Debt Collection attempt on the debt I purportedly owe to XXXX XXXX  ( formerly the XXXX XXXX XXXX ), which is a part of XXXX XXXX XXXX XXXX who controls XXXX as of today. \n\nOnly a legal owner of the debt can collect the debt, IF it was the actual debt and IF this debt exists. XXXX XXXX, in its own words to Federal Agency ( SEC ), never was an owner of my Note, while my transaction was with totally different parties and totally different nature that XXXX misrepresent to me. \n\nIn reality, I was paid for providing financial Services to Big Investment Banks masqueraded as extension of credit by XXXX ( a sham conduit ) to be deceptively drafted into a high-risk securitization scheme operated by XXXX XXXX , XXXX XXXX XXXX, and other large Investment banks, under leadership of Federal Reserve. To the wit, I was paid to issue a Promissory Note which was used by Big Banks as a base of their securitization scheme without any compensation to me or royalties for use of my - plus return the only payment for my financial services if I use it as a credit card. \n\nAccording to current report filed by XXXX, XXXX XXXX XXXX, one of the real parties and the main underwriters for XXXX XXXX XXXX XXXX I, who purportedly issued {$1.00} XXXX shares backed in part by my identity, made about {$10.00} per {$1.00} paid to me for my financial services, which means received at least {$16000.00} as unjust enrichment. \n\nNone of this was disclosed to me at the time I issued a Promissory Note. According to XXXX, XXXX ( IF it were an owner of my purported debt - must record my Note as an asset on their bookkeeping ledger ; and write off any balances IF they received any extra profit on top of disclosed. \nAccording to XXXX  XXXX XXXX Prospectus, XXXX XXXX was a Sponsor, Originator of Assets and Servicer ( but not the owner ) Central Index Key Number : XXXX while XXXX XXXX XXXX was a Depositor Central Index Key Number : XXXX into a XXXX XXXX  Execution Note Trust, Issuing Entity of the Notes Central Index Key Number : XXXX, XXXX  XXXX  XXXX XXXX  I, Issuing Entity of the Collateral Certificate Central Index Key Number : XXXX, where XXXX  and some other Big Banks acted as Underwriters. \n\nThe Collateral Certificate ( one, for all {$1.00} XXXX ) was issued via book-entry system owned by XXXX XXXX XXXX XXXX XXXX XXXX and assigned to its subsidiary XXXX XXXX XXXX, as the sole Registered Shareholder, through its parent holding company the XXXX XXXX XXXX XXXX XXXX self-regulated companies, as the only beneficiary of the Certificate where XXXX XXXX  was a sham conduit sponsor ; originator of assets and servicer but never OWNER of the underlying assets aka my Promissory Note. \n\nAccording to Prospectus ( Form 424B5, filed with SEC ) Delivery : The notes offered by this prospectus will be delivered in book-entry form. Except under limited circumstances, purchasers of notes will not be entitled to have the notes registered in their names and will not be entitled to receive physical delivery of the notes in definitive paper form. \n\nIn other words, XXXX XXXX, who was a Sponsor, Originator and Servicer, but not the Owner of my Note ( as disclosed in Prospectus ) via its underwriters, XXXX XXXX XXXX, ect. offered INFORMATION about my Note for SALE via book-entry system owned by XXXX  and XXXX XXXX XXXX while the entire transaction with me was a camouflaged as a demand to repay my only compensation for financial services to Big Banks who made at least $ XXXX from trading my identity ( aka identity theft ) on the open market. \n\nNone of real parties or real nature of my transaction was disclosed to me, as well as profits from trading derivatives information about The Certificate held by XXXX XXXX XXXX on the open markets. All without my knowledge or consent, no need to say without any compensation while I am entitled for at leat 20 % of royalities from ALL trades by ALL parties engaged in this transaction. \n\nBe 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 ; or explain based on which authority you can collect from me. Please provide me a copy of retainer for Blitt & Gaines by their purported client, 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 imaginary certificates via XXXX/Cede book entry system, 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 XXXX and not XXXX 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 to say without fair compensation. Based on my estimate, parties who involved in my transaction received at least {$16000.00} revenue by selling my securitized data to investors who are NOT my creditors ; while only returned me {$1600.00} as a one-time payment for issuing a Promissory Note based on which XXXX  and other Big Banks ( acting under glimpse of XXXX, who is merely an originator but not the owner of any Notes ) sells their derivatives and other unregulated securities, which XXXX expects me to return them with interest. 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 {$3300.00} owed to me by XXXX XXXX XXXX plus treble damages for fraud plus treble damages for racket via local racketeers with legal licenses XXXX XXXX XXXX, XXXX and their mob member XXXX XXXX. \n\nPlease provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by XXXX XXXX in accordance with XXXX. Was it placed as a receivable to XXXX 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 byXXXX. \n\nPlease 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 ; or to pass my information to any third parties such as XXXX or XXXX XXXX XXXX. 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. \n\nAt 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 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 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"}, "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/3929973", "source": "cfpb", "group_id": "cfpb/851f473899f8a84b8fba", "variant": "clean", "length_bucket": "long", "chars": 10789, "company": "Blitt and Gaines, P.C.", "date_received": "2020-10-31", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "851f473899f8a84b8fba11f7f4e5eba6de2ede52cb3991d47af499814a5d3a84", "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 found when logging into my PayPal, that charges I was unaware of were present on my account. Upon this realization, I looked into my other payment processing accounts and found similar instances in Venmo of unauthorized payments that were additional to ones that I had done myself and authorized. I promptly reported these transactions through the correct support systems and assumed I would be taken care of accordingly. \n\nOn XX/XX/XXXX, I received a number of emails from PayPal support making me aware that additional cases were created for me, and that XXXX of my XXXX initial cases were closed and settled in the sellers favor. \n\nNone of the cases that were created for me are viewable on my side of the website. The case that had been closed had all but one of the transactions that I had reported included in it. \n\nLater on in the day, however, I found on my PayPal account that I was received a refund for one of the transactions I had reported for {$470.00}. These were XXXX of the transactions that were in the case that was closed. Additionally, the Dispute ID presented in the notes of the transaction I was never made aware of ; it was not XXXX of the cases that were created that were aforementioned. I was presented in the notes of the transaction the following : XXXX USD ; XXXX Credit has been processed and claim is now closed. Please refer Dispute ID XXXX. Thank you. \n\nWhat had confused me about this refund was that I received no emails regarding the refund, no emails regarding the case creation of XXXX, and couldnt and still cant find the case in my closed cases in the resolution center. Furthermore, the transaction that had been refunded was in the middle of a slew of other fraudulent transactions that had taken place that day. This led me to call the number provided by PayPal to get further information and clarification on what was going on. \n\nMy experience with the XXXX PayPal associates I had spoken to was agonizing and beyond frustrating, namely XXXX who I was escalated to who ended up hanging up on me. \n\nThe first associate I spoke with was very helpful and attentive. I spoke with her and made her aware of the confusion I had. That I had been refunded XXXX of my transactions but was presented a Dispute ID that I was unable to view. Additionally I made the associate aware that this was a transaction that was in the middle of others, and that if this were determined as fraudulent, why would the other fraudulent activity not be identified as such either. Ultimately, the associate saw the same thing on her side that I saw on mine, XXXX cases, and was put on hold while she escalated my issue. \n\nComing back from hold I was greeted by XXXX who I re-explained my discrepancies to. This is where my frustration began, as XXXX consistently tried to tell me not to worry about things rather than answer my questions. I made the associate aware that I was presented a dispute id that I could not view and that I was confused how only XXXX transaction from the same day in the same time period was identified as fraudulent. I was asking if the other hidden dispute cases were still pending or if they were somehow determined as not fraudulent. I was only given the runaround by the agent. When referring to the dispute Id presented in the refunded transaction, the agent tried to tell me that Dispute IDs and Transaction IDs were the same thing. This is where my frustration surmounted, as it became clear that I was dealing with someone who was unaware of what they were talking about. I told the agent that hes clearly wrong as theres a Transaction ID listed for the transaction, and a separate, different Dispute ID listed as well. At this point I asked all to transfer me to his supervisor or manager as the incompetency I was dealing with for such a serious matter was inexcusable. I was promptly hung up on. \n\nI called back again and spoke with the first agent on the phone. I explained for the third time what I was dealing with. The agent made me aware that the calls were recorded and that they would use them to further examine my case. Ultimately, however, the call ended with no clarity as I never received any dispute IDs, statuses, or actual help other than being told they would reopen my case. Its imperative to point out that : This case was closed, and a transaction from within the case was refunded, so to be told that the case would be re-opened was no help as thats where much of my confusion initially stemmed from. Are there dispute cases that exist external to this XXXX case I can see? Why was only XXXX transaction refunded but the others from the same day and time not? I was left in the dark. \n\nI greatly need assistance in dealing 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": "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/9766889", "source": "cfpb", "group_id": "cfpb/5e2c37fc00a5722d5ef1", "variant": "clean", "length_bucket": "long", "chars": 4734, "company": "Paypal Holdings, Inc", "date_received": "2024-08-13", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "5e2c37fc00a5722d5ef1b4418c8ad6c19089ba3f2f18aabcdb5ffc0f6bac97a8", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Navient Account No : XXXX We refinanced our home to payback the largest amount of my son 's school loan due to the excessively high interest rates that were are being charged. The mortgage company delayed the original closing by 19 days so I made an additional payment to my school loans which became due between XX/XX/XXXX ( when we were supposed to close ) and XX/XX/XXXX. The mortgage company being the idiots they are did not pull another closing amount but just told us the company could refund us the over payment. Navient received their money on XX/XX/XXXX ( I have a registered receipt with the date and person receiving our payments ) only credited the money to our account on XX/XX/XXXX and then kept the extra {$1200.00} overpayment. I looked up the instructions on the Navient website on how to send in the payments and followed the instructions indicating the two loans to be cleared and the balances to be refunded. Navient chose to ignore these instructions. I have called them 3 times and on the last two occassions they indicated they would be refunding the balance - the first person said by direct deposit as that is how they get paid and the second woman said they would mail a check. This was over 6 weeks ago and they are still holding 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/2926961", "source": "cfpb", "group_id": "cfpb/94709aa080fb562447f5", "variant": "clean", "length_bucket": "medium", "chars": 1267, "company": "Navient Solutions, LLC.", "date_received": "2018-06-05", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "94709aa080fb562447f5fe144cea00ec9de874f36243f1123a9a17d53a534a21", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "When i process a charge through my debit account, the transaction will appear on my online banking app as \" processing ''. This amount that is processing is deducted from my overall available balance, and reflect in my available balance. The bank has confirmed this to be true. Once a transaction is issued into pending status, the funds from that transaction, are no longer available. However, days later, when my bank account avail balance falls below the \" pending '' charges amount, the status of the charge changes from pending to processed, and my account falls negative. They then return the transaction and charge me a fee unless i deposit funds, or my savings account balance transfers and covers the transaction. This is alarming because, originally, the charge was already deducted from my balance, and appeared as not avail. and was allocated to the transaction. This has been an ongoing incident and i have mentioned this to the bank on numerous occasions. Transactions will sit in \" pending '' status for days and days, being processed up to 7 days after the initial transaction. In many cases, the funds process once my account balance falls below the amount of the pending transactions, in which case i am charged a fee and the payment is returned. The most recent incident, was the bank reflecting 6 charges that had been processed days earlier as \" completed '' and paid. They used my savings account to cover the charges, and i had no access to my savings account money, in order to transfer, or withdraw. The bank places my funds from the savings account on \" hold '' to pay the transactions that could not be covered by my checking account. On my mobile banking app, and as well as at the bank, these 7 charges reflected as \" completed '' and paid. However, later in the morning a transaction from XXXX came through my account and over drafted my account. This was a XXXX error and has happened in the past. I was educated by the bank the previous times i needed to call the merchant. In which case, i was going to allow the bank to return it, and contact XXXX directly. The next day, Santander returned all transactions on my account and charged me 8 over draft fees. I called and was told XXXX came out FIRST and was the reason the rest went over drafted ( payments that had already been in a pending status and reflected as taken out of my avail balance days before ) I requested a transcript from the bank, indicating this as the case, since my negative balance ONLY reflected the XXXX transaction, and not all 8. As a consumer, that would look as if, everything else went through and processed except the one XXXX charge. This is exactly what the bank account reflected. I then spoke to a supervisor who explained everything was processed at the end of the day, and if the funds aren't avail in checking or savings everything rejects. I elaborated that my bank account did NOT reflect that, and there was no way for me as a consumer to know, those items were not paid, she offered to return up to 3 fees, but that i was responsible for the rest because it was not their error. I elaborated again, that when something is indicated as pending, the funds for that charge are removed from your account, and placed on hold. This was again confirmed. In which case, when the 7 pay pal transactions were placed on hold, the funds were removed, allocated to pay the XXXX charges, and were not available for me to spend out of my account. Yet, when they were completed on XX/XX/XXXX, they caused me to become over drafted due to the funds being \" unavailable ''. I was charged 8x for returned items, that they had said, were deducted when placed into a \" pending '' status. This is a common occurrence. I have to continuously monitor my account and keep extra funds in order to avoid being charged a fee when the bank decides to move the status from pending to completed. Even after being reflected in my balance. The last tine this happened i was told the computer \" glitches '' if too many items are processed and returned at once, in which case it returns all of them. No one could provide me a transcript of my charges or funds, and i was told this is how this bank \" works '' double charging customers, or misleading customers into believing an item is paid, and completed, only to return it the next day, or 2 days later. There is no way to guarantee an item as paid, and available funds, since the bank misleads its customers with the online banking by showing items as paid, but then returning them. There is no way to ensure the consumer, the items are paid, when the online banking is not reflecting accurately.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4357066", "source": "cfpb", "group_id": "cfpb/2a875b02117420d48af4", "variant": "clean", "length_bucket": "long", "chars": 4638, "company": "SANTANDER BANK, NATIONAL ASSOCIATION", "date_received": "2021-05-06", "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": "2a875b02117420d48af4f55c114544c19404d6a896f72c88abc0b0ac2026c9d5", "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, Arizona XXXX Date of Birth : XX/XX/XXXX  SS # : XXXX To Whom It May Concern, I am writing to express my deep concern and frustration regarding several egregious violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my life. I am seeking your assistance in rectifying these issues and enforcing my legal rights as a consumer. I kindly request a thorough investigation into the matter and the removal of unverified accounts from my credit report. \n\nViolation Details : Creditor : XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \nRelevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \nRelevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Creditor : XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. \nRelevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Creditor : XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. \nRelevant Section : Section 623 - Responsibilities of furnishers of information to consumer reporting agencies Code : 15 U.S.C. 1681s-2 Creditor : XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.\n\nRelevant Section : Section 623 - Responsibilities of furnishers of information to consumer reporting agencies Code : 15 U.S.C. 1681s-2 The inaccurate personal information on my credit report pertains to my addresses, both current and previous. The incorrect addresses listed are as follows : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I kindly request that you take immediate action to correct this inaccurate personal information on my credit report, in accordance with the FCRA. The relevant sections of the FCRA that pertain to the correction of inaccurate personal information are as follows : Violation : Inaccurate Personal Information Relevant Section : Section 611 - Procedure in Case of Disputed Accuracy Code : 15 U.S.C. 1681i Personal Impact : These inaccuracies on my credit report have had a profound and distressing impact on my life. For years, I have strived to maintain financial responsibility, only to be unjustly burdened by inaccurate reporting. These discrepancies have hindered my ability to secure loans, obtain fair interest rates, and even find suitable housing. The emotional toll of constantly navigating these challenges has been overwhelming, causing stress and anxiety that affect both my personal and professional life.\n\nI share a personal story that illustrates the emotional toll of these inaccuracies. [ Insert your personal story here, providing a detailed and emotional account of a specific incident where the inaccurate information negatively impacted your life. ] Request for Action : I implore the Consumer Financial Protection Bureau to thoroughly investigate these violations and enforce the protections granted to consumers under the FCRA. Furthermore, I kindly request the removal of the unverified accounts from my credit report, thus restoring my fair and accurate credit standing.\n\nI understand that your agency plays a vital role in ensuring that consumers ' rights are protected, and I am relying on your expertise and dedication to justice to rectify this situation.\n\nI appreciate your attention to this matter and your commitment to upholding the rights of consumers like me. I look forward to a prompt resolution and a positive outcome. \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": "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/7423229", "source": "cfpb", "group_id": "cfpb/cfb145f86610e8507cfc", "variant": "clean", "length_bucket": "long", "chars": 4593, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-08-18", "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": "cfb145f86610e8507cfc776f2af11a6fe27a0727da5819212a092fd127d77d16", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "As a customer of Citizens bank, I have had an issue relating to an overdraft line of credit and an outstanding balance that I was not made aware of for over 4 years. Citizen 's bank apparently has a history of class action lawsuits against such a matter and I would really appreciate someone's assistance with this serious matter. \n\nTo briefly summarize the circumstances ; I have been banking with Citizens since my XXXX studies in XXXX at XXXXXX/XX/XXXX in XXXX. Ive visited the bank very often to make sure my account is in good standing. Im always assured, yes, all is okay, etc etc. by the local branch managers and anyone I speak with on the phone. I receive bank statements in the mail - and everything looks OK, as does my online portal. \n\nWell, much to my dismay and to a huge surprise, I noticed a 51 point drop in my credit score from Citizens in the month of XX/XX/XXXX for a {$1700.00} charge. VERY confused, I called my branch manager. He along with a colleague of his, ran my social security number, and assured me I had no loans associated with my name, my balance is {$0.00}, etc. They said my account is in good standing and to not worry. Well, I said, obviously something is going on - please investigate immediately. This was then raised to the Chairmans Office. \n\nIt turns out, since XXXX of XXXX, Citizens has been pulling from an overdraft line of credit - that I wasnt aware of nor have I been contacted over through email, phone, my online portal, or printed mail statements. Apparently, when I first joined the bank, I agreed to this line of credit. I, however, did not agree to unfaithful business practices with Citizen 's and not being made aware of the fees due for the past several years. \n\nTrust me, I would have paid the overdraft charges, had I known, and would not have succumb to the monthly interest rates and charges, all unknowable to me. \n\nFor further information and some of the most prevalent points per this matter ; 1 ) I have not once received any mail explaining the {$1700.00} overdraft charge and counting. This has been accruing for the past 4+ years, and while I always receive Citizens mail, this 'overdraft ' charge has never been included yet the fees and interest have continued to compound year after year. I have recent mail from Citizens to demonstrate this and included this within my complaint. The Office of the Chairman 's verbal response was, 'you should have known better. ' Once again, my phone number and address have always been kept up to date - and it is not my fault that they did not update my email address within their system or contact me through the online portal, mail, or phone, which I have always been reachable via. \n\n2 ) Interest and fees, have been piling on for YEARS as a result of a somewhat minimal initial overdraft charge - and again, this issue would not have ever been brought to my attention had I not checked my credit score by coincidence myself. Otherwise, this problem would have probably persisted for years. I'm grateful I had checked my credit score myself recently. \n\nNo one at the Citizens bank branch in XXXX ( XXXX zip code + phone calls ) noticed or made me aware of this apparently accruing overdraft line either. If Citizen 's Bank EMPLOYEES dont know about it, and they WORK at Citizens, how can I be expected to? Blame has been put on me, however. \n\nXXXX ) I asked the Chairmans office to provide me the information relating to what caused the initial overdraft charge and how many fees, interest, etc. Citizens has charged as a result. The representative advised me I had to go through all 4+ years of statements myself - because that wasnt her responsibility nor does she have the time. \n\nFrom my initial calculations, it appears almost the entirety of this sum is an accumulation of charges from Citizenss itself - and my initial overdraft fee is negligible. \n\nAnd to be clear, I have NEVER seen this information before NOR is it made evident on my online banking portal. I also have not received any email statements. \n\n4 ) Due diligence has clearly not been made by Citizen 's to contact me. This charge unbeknownst to me, and apparently even Citizens bank, since XXXX. \n\nI have been involved in conversations with my branch manager at Citizens bank ( who has been responsive and kind ), and a representative from the Office of the Chairman ( not helpful in recognizing the problem XXXX since XX/XX/XXXX. I also tried to email XXXX XXXX, VP of XXXX XX/XX/XXXX, on XX/XX/XXXX and received no response. \n\nOn XX/XX/XXXX, I met with my branch manager in person in XXXX, PA - and had no choice but to pay this line of credit off in order to prevent it from hitting my credit score any further, and have closed my account. \n\nI am now in the process of complaining to additional financial institutions as there has clearly been a huge deceitful activity from Citizens as they did not make any, whatsoever, sufficient attempt to contact me regarding the charges over the four years. \n\nMy bank manager has also written a letter supporting this matter - as this information was not visible to himself either. Please accept this letter as support. I have also included screen shots of a recent letter, again, not explaining this nearly XXXX charge and no messages within my online Citizen 's portal. \n\nThis case has not been resolved and I would sincerely appreciate your help in this matter, and helping make me whole again - both financially and in regards to my credit.", "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": "unexpected_fees", "src": "cfpb_issue_personal_loan"}}, "_meta": {"id": "cfpb/3263240", "source": "cfpb", "group_id": "cfpb/1604efcb903cfe9a7724", "variant": "clean", "length_bucket": "long", "chars": 5472, "company": "CITIZENS FINANCIAL GROUP, INC.", "date_received": "2019-06-03", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Charged fees or interest you didn't expect", "sub_issue_raw": "", "text_sha256": "1604efcb903cfe9a7724fffa1ea0dc46c9a9d2f280f2a2513b6dc4bd7dd8eedd", "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 having more consistent problems for some reason. You may have to read all of this email and previous sent emails to somewhat understand what I have been going through, just with this. On my American Express Serve debit card, there is a \" Cash Pickup powered by Ria '' feature that I have been unable to use for some reason. Serve claims that this feature is available to all Serve cardholders that have verified their email. I am also unable to add an email to my account for some reason and get an error. Over the XXXX I somehow lost my XXXX XXXX card and had to use the Serve instant debit card transfer option to add money, which has a {$200.00} limit, to my Serve account so that I could use a ATM. This feature mysteriously stopped working for me after a few times, and only gives me an error message every time I try. \n\nI had the idea to transfer all of my money out of Serve onto my XXXX XXXX XXXX XXXX. Then I found out just XXXX  that I can't buy money orders with my XXXX XXXX XXXX for some reason : XXXX XXXX XXXX So then I find that what I guess is the only solution, to close the XXXX XXXX XXXX that I have also had for some time and pick up the cash at XXXX which would close the card. I have had my Serve card and account since XXXX. It has expired and I just received a new one. \n\n\nXXXX XXXX XXXX My current Serve balance is {$2900.00} and it still won't let me do the XXXX XXXX XXXX for {$2500.00} which is the limit. I have contacted XXXX, and tried to do the bank transfer with them, but they locked my account and have been waiting for days for any help with this. They claimed it was rejected because of ID verification, and I sent them all of it. My photo ID front and back, a picture of me holding it, a picture of a recently delivered item from XXXX, a picture of the shipping label that I purchased, screenshots of my Serve account. But I am still unable to log in and am still waiting on their customer service. \n\nAnd was told here : XXXX XXXX XXXX, XXXX regards to purchasing a money order at the local XXXX XXXX. \n\nIf the American Express card you are using is a bank debit card then yes you can use either debit or cash to purchase a money order \" And from XXXX XXXX XXXX XXXX XXXX XXXXXXXX \" Yes I have the information from the money order help pages. I am trying to make sure my payment cards will work in the store. \n\nDoes it matter if it is a prepaid or : normal '' debit card? I have been experiencing some crazy problems every day, trying to get money orders sent for an important transaction that I have to complete involving purchasing money orders and sending them with a XXXX XXXXXXXX XXXX XXXX envelope that I purchased. \" They responded : \" Recently you requested personal assistance from XXXX XXXX XXXX. Below is our response and a summary of your request. \nReference # XXXX Response : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX XXXX Thank you for contacting back to us. \n\nXXXX, do not worry you can purchase money orders from store through your debit card whether it is prepaid or a normal debit card. \n\nIf you have additional questions, please reply to this email and I'll be more than happy to assist. \n\nTake care- and I wish continued health and safety to you and everyone whom your cherish and XXXX XXXX. \n\nSincerely, XXXX, XXXX XXXX XXXX '' \" Hi, thanks I was just wondering if my debit card will work in-store to purchase a money order? I have an American Express Serve debit card, with sufficient funds for what I need, but have been getting declined for some reason trying to purchase money orders at the XXXX XXXX, and the supermarket. I contacted Serve customer support and they said that there are no restrictions preventing anything. I was also told by XXXX that it will work if it is a debit card with a pin, which is what it is. If that doesn't work, I have a XXXXXXXX XXXX XXXX too, which is a XXXXXXXX XXXX with the Serve card as the preferred method. \n\nThanks, XXXX '' \" I recently tried to purchase money orders at the XXXX XXXX. I gave my mother my American Express Serve debit card to pay with. It says on the website that I can use debit cards, and that American Express is accepted at retail. But, she returned saying that \" it couldn't be done because the person told her that it is a credit card and not a debit card. This is an important purchase for me, it is for a vehicle purchase and seems to be the only way that I can pay the dealer. I also have a deposit on it. I want to be sure that we can go to the XXXX XXXX and purchase the money orders that I need, and the fastest mail with a tracking number, without any more problems for some reason. My card has sufficient funds available. I will try using another XXXX XXXX? She might have went to the XXXX XXXXXXXX XXXX XXXX XXXX, I don't know. \n\nThanks and XXXX XXXX XXXXXXXX XXXX '' Thank you for any assistance, XXXX I need to complete this payment, so I need to be able to purchase money orders with my debit card, which should not be a problem at XXXX or XXXX and I have confimed this with every customer support involved. I tried XXXX XXXX at XXXX, a feature of the Serve card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, but all were unable to be approved. The ATM limit on a Serve card is {$750.00}, and am being left with no choice but to go to the ATM on my bicycle every day and buy the money orders with cash. \n\n\nXXXX Your case has been successfully submitted to XXXX. Your case number is XXXX Your email has been sent. \nThank you for contacting XXXX. Please find your service request number below. You will receive a confirmation email soon. Click Close to return to the Email Us start page. \n\nService Request Number : XXXX My name is XXXX XXXX and I have been trying to make a payment to XXXX XXXX XXXX. I have the payment on my Amex XXXX XXXX XXXX XXXX XXXX ). They sent me their bank info which is XXXX XXXX XXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX. I would like to finish the transfers, instead of mailing money orders. My debit has it's own account and routing numbers, and I have sufficient funds. \n\nI have been having difficulties attempting to purchase money orders. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again. \n\nThey said that I can pay the remainder on my vehicle with bank transfer \" Here is our bank info for you to bring to your bank to initiate the transfer. Please be aware our bank will not accept XXXX transfers or on-line bill pay checks. '' I tried to send a XXXX direct to bank transfer, and was declined. The payment is {$2800.00}, and there is a balance of {$2900.00}. \n\nLater contacting XXXX since there is nothing else yet : My name is XXXX XXXX and I have been trying to make a payment to XXXX XXXX XXXX. I have the payment on my Amex XXXX XXXX XXXX XXXX XXXX XXXX. They sent me their bank info which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to finish the transfers, instead of mailing money orders. My debit has it's own account and routing numbers, and I have sufficient funds. \nI attempted to do the transfer with XXXX, and it was declined and my account \" locked for security purposes '' while waiting for the bank account verification deposits on my Serve account, and I explained in the email this situation, but have not received any response yet. \nI have been having difficulties attempting to purchase money orders. I have contacted each customer service and have been assured that there are no problems and that it should be working, and to try again. \nThey said that I can pay the remainder on my vehicle with bank transfer \" Here is our bank info for you to bring to your bank to initiate the transfer. Please be aware our bank will not accept XXXX transfers or on-line bill pay checks. '' I tried to send a XXXX direct to bank transfer, and was declined. The payment is {$2800.00}, and there is still a balance of {$2900.00} on my Serve account waiting for me to complete payment. \nI need to complete this payment, so I need to be able to purchase money orders with my debit card, which should not be a problem at XXXX or XXXX and I have confimed this with every customer support involved. I tried XXXX XXXX XXXX at XXXX, a feature of the Serve card, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, but all were unable to be approved. The ATM limit on a Serve card is {$750.00}, and am being left with no choice but to go to the ATM on my bicycle every day and buy the money orders with cash, which is really not an acceptable option for me. For just XXXX example, right now it is pouring rain outside. \nXXXX XXXX This is for a vehicle that I have a deposit on and recently purchased most of the parts for. I finally placed the deposit on XXXX, and have been trying to pay the remainder since then, with sufficient funds in my account. \n\nBefore this, I had to withdraw all of the money that I had saved for this with ATM transactions from my XXXX XXXX card, which also kept being declined for some reason, so that I could load the Serve card with the money, so that I could pay for another vehicle, where the seller suddenly backed out after I finally sent {$2800.00} to him with XXXX transactions of {$1500.00}, {$700.00} and {$600.00}. He suddenly refunded my money after informing him that a tower that was trying to set up had backed out and said that he can't take the job after asking if I could pay with XXXX, just because it would be easier, when I had his requested deposit on my Serve card, after trading in all of my video games at XXXX for the money. XXXX of the transactions were immediately refunded and available but the {$600.00} \" was refunded by echeck '' so I had to wait for that to eventually clear back into my Serve card. Avoid XXXX XXXX too, ok. \n\nXX/XX/XXXX Parts delivered to wrong address, XXXXXXXX XXXX  packages with a picture of delivery at a house with a red door. I walked up and down XXXX XXXX and could not find it. There was also some kind of work being down down XXXX XXXXXXXX XXXX XXXX XXXX XXXX A few red front doors but no packages or the wrong XXXX house. There was a knock on my door and was informed that my orders were in front of XXXXXXXX XXXX  house on the corner, and had to go get them. \n\nXXXX XXXXXX/XX/XXXX, I woke up to find XXXX ATM decline charges of XXXX on my Serve account. I am sure that I did not sleep walk to the ATM and that it didn't leave this house when I was sleeping. There are XXXX text messages from Serve.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6361829", "source": "cfpb", "group_id": "cfpb/feb0a9781a24a1c058ad", "variant": "clean", "length_bucket": "long", "chars": 10653, "company": "AMERICAN EXPRESS COMPANY", "date_received": "2022-12-26", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem with a purchase or transfer", "sub_issue_raw": "Card company isn't resolving a dispute about a purchase or transfer", "text_sha256": "feb0a9781a24a1c058adf07866dcde82fdc541cf4025ea27744eb6e57583726b", "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 email from Chase, where I have a credit card, that was asking if I recognized a charge of {$170.00} at XXXX XXXX  that was declined. I responded by selecting 'No ' in the email and checked my online banking app for other activity that was potentially fraudulent. There were four other transactions from that same day that I did not recognize and believed were fraudulent. ( My partner is an authorized user on the account with a card, and she did not recognize the transactions either ). I contacted Chase by phone and notified them that I had both cards in my possession and that I did not recognize the charges, believing them to be fraudulent. Within a day or two, the charges were subsequently removed from the list of recent transactions appearing in the mobile banking app. \nThe four charges, totaling {$400.00}, included : {$100.00} - XXXX # XXXX {$110.00} - XXXX  # XXXX {$170.00} - XXXX XXXX {$11.00} - XXXX XXXX XXXX On XX/XX/XXXX, I missed a call from Chase, who then called my parents ( whose phone number may have been previously listed as an additional contact # ). I called Chase back and was told that the charges would be rebilled to my account. The only explanation given was that their system said the card chip was used for the charges, and that it is impossible to counterfeit the chip in their card. I repeated the fact that neither I, nor my authorized user, made those purchases, and that I did not agree with their decision to rebill them to my account. \nGiven the limited explanation for rebilling I asked to speak with someone who was familiar with the decision, or who was involved in making the determination to rebill. I was told I would receive a call back after the holiday weekend, but that the transactions would post to my account that day. \nAfter not receiving any further communication from Chase, I schedule a call with a banker at my local branch on XX/XX/XXXX and explained the situation to her. She was very sympathetic, understanding, and professional, but after she transferred me to the fraud prevention team I received the same response. That because it is impossible for Chase 's chip to be compromised, I was responsible for the charges. I asked if there was any additional detail regarding the charges or merchants that could help me understand what had been purchased, or where exactly. The fraud recovery analyst ( XXXX ) told me that there was no additional information he was able to see regarding the transactions, but that I could escalate the case for a second review of the charges. I was surprised that a secondary review had not already been initiated given my initial disagreement with the rebilling, but responded that I wanted the case to be escalated. I also asked him how the XXXX XXXX charge of XXXX ( that had been declined ) was coded, and he said the chip was present. I am still looking for an explanation of how that charge ( that was attempted with the chip present ) could be considered fraudulent and declined, but that other charges made with the chip that I am disputing are standing because \" it is impossible to clone or compromise the chip ''. \nI have still not heard from Chase 's fraud recovery team as of XX/XX/XXXX. \nThe banker at my local branch in XXXX 's XXXX XXXX XXXX XXXX ) submitted a customer complaint on my behalf given my frustrating experience dealing with these fraudulent charges being rebilled, and I have since received a call and voicemail from Chase 's branch complaints team regarding my experience. While I intend to call them back and discuss my poor customer experience with the fraud team, I feel it is important to bring to the CFPB 's attention the way Chase handles disputed/fraudulent charges. I have been been a cardholder with Chase for at least five years, and have never given them any reason to doubt my assertion that these charges are fraudulent. Because the transaction codes show the chip as present at the transaction, and they believe that the chip can not be compromised, they do not consider fraud as possibility and as such, have not performed a good-faith review of the charges following notification from a customer that they are suspected as fraud. Relying on that chip, and the validity of the transaction codes, should not release them from duty of care to their customers to actually review a charge reported as fraud. When I asked about one of the vendors ( XXXX XXXX XXXX I was told no information was available on them. \nThank you for your review.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3858014", "source": "cfpb", "group_id": "cfpb/6d2f8d990545fe2e5f5e", "variant": "clean", "length_bucket": "long", "chars": 4507, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-09-21", "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": "6d2f8d990545fe2e5f5ee0dd31fad628f18fbe356bafac28a00c3a61600fee02", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My husband and I went into Chase bank located off XXXX XXXX XXXX in XXXX, Texas and opened a business account. This is the account the bank rep instructed us to get due to the amount of deposits we would be making. We had a live Chase check totaling {$15000.00} from my husbands place of business. They cashed and deposited those funds that day, XX/XX/XXXX at XXXX. We were told our funds would be released by XX/XX/XXXX at the latest. On Monday, XX/XX/XXXX our entire account was restricted. My husband was told they needed his social to verify the account. He was at Chase Bank on XX/XX/XXXX - XX/XX/XXXX for XXXX hours each day trying to work this out. He was told there was no social verification needed. They needed him to verify the origination of the check. He brought in the company CEO and Manager from his job and got that taken care of. My husband requested the account to be closed and a check to be issued. They would not complete this on the spot. They said they put in for the account closure and he should receive a cashiers check within XXXX business days. On XX/XX/XXXX my husband called to verify this had been done and if they issued the check, as we had not received it. The customer service rep stated no request was submitted and our account was currently active and restricted. Today, XX/XX/XXXX, he went into the same Chase Branch and got a different story of what he needed to do from 2 different people. The branch manager would not come out of her office to handle this even though he requested her assistance. He finally stated his wife needed the branch managers name and the district managers names as she would be filing a CFPB Complaint as this is no way to conduct business, and XXXX XXXX came out to help him. She is the branch manager. This issue was still not resolved. XXXX  stated she would 'dig deeper and get everything reversed '. My husband walked out with no cashiers check, no active/unrestricted account and our funds are in Limbo with this bank. We verified and brought in every single piece of personal identification requested, we still do not have access to 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/5352155", "source": "cfpb", "group_id": "cfpb/511c1aada7392b14815c", "variant": "clean", "length_bucket": "medium", "chars": 2118, "company": "JPMORGAN CHASE & CO.", "date_received": "2022-03-22", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Deposits and withdrawals", "text_sha256": "511c1aada7392b14815c849ed47e48c9cbbfe877805484067d679e442cabb2ba", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4606042", "source": "cfpb", "group_id": "cfpb/35c2c99ec282ee98486b", "variant": "clean", "length_bucket": "short", "chars": 288, "company": "WELLS FARGO & COMPANY", "date_received": "2021-08-05", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "35c2c99ec282ee98486ba164cfc618eb93d5b2c5c3479dee75b9f2831bbe8a27", "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 on all my credit due to my credit being used unauthorized all my accounts are under review and this company contacted my employer and threatened to continue calling a place of business that doesnt be long to me unless I took care of 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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3752069", "source": "cfpb", "group_id": "cfpb/f2184eb314f5c070dea7", "variant": "clean", "length_bucket": "short", "chars": 261, "company": "The Receivable Management Services LLC", "date_received": "2020-07-18", "product_raw": "Debt collection", "issue_raw": "Threatened to contact someone or share information improperly", "sub_issue_raw": "Contacted your employer", "text_sha256": "f2184eb314f5c070dea70a9c3c9adf9b5b759b70ec6519c88b08e127b0781e0d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was in Forbearance with my mortgage lender due to XXXX XXXX related financial hardships, they gave me a 2 month extension on my forbearance, giving it an end date of XX/XX/2022. I spoke with them shortly before the end of my forbearance period was to commence, and they informed me they would be sending a packet/application to be filled out for their Underwriting Dept to review the best options moving forward with the reconvening of my loan payments while address the additional Forbearance deficit. On XX/XX/XXXX, on the launch date of the government HAF program-XXXX XXXX I immediately applied. My application was submitted fully complete with all required supporting documentation. I was contacted the following week to re-sign two authorization forms, which I did within that week and re-submitted. All required documents and phases of my application have been completed-time and date stamp, XX/XX/2022 @ XXXX. During my last conversations at the end of XXXX XXXX with my lenderXXXX XXXX. I was advised my loan was potentially being sold. I was advised any payments granted by the XXXX would be submitted to the new lender when their information became available. I was told in the meantime I would still be receiving the packet my lender had previously told me would be sent out in XX/XX/2022, at the commencing of my ( extended ) Forbearance period. I was also advised I should not make any payments until they were able to review my completed paperwork-as it would not be applied to any current payments due. \nIn XXXX and XXXX a man came to my home taking pictures-advising my loan has been reassigned and that he was simply conducting routine monthly photographs per the lender. He was unable to give me any documentation nor provide me the name or contact info for my new servicer. In XXXX I began receiving calls from a XXXX number, I typically do not answer such numbers, assuming them to likely be spam. At the end of XXXX one of the calls resulted in a voicemail left on my cell phone-upon listening to the message I was made aware that a company by the name of AmeriHome was trying to contact me. Still assuming it was likely a sales solicitation to refinance, I returned the call. After several transfers, I was told that I was in an active foreclosure with a sales day, a month away on XXXX XXXX. I was in complete shock and demanded to understand how this could be. I was given a state local number to call, and told that I needed to speak to someone at that number, as they were the foreclosure dept. When I tried to explain that I was in the middle of completing my next steps to proceed at the close of my forbearance when my loan was apparently transferred to them without proper notice or instruction as how to contact or proceed with the new servicer-I was met with ghastly denial and was in fact told that they ( AmeriHome ) has always had my loan. \nI was told that they would send a packet out that must be completed before the XXXX to avoid sale but would take 7-10 business days to arrive. Once again advised to call the foreclosure department. I hung up and proceeded to call the number provided, and I reached a legal office. I left a voicemail on a Friday afternoon at XXXX, XX/XX/XXXX. I was in a complete panic, overcome with worry, confusion, and immense anxiety the entire weekend. I looked up my application status on XXXX and found the status stating XXXX XXXX Authorization Needed-set up. This lead me to believe they have been waiting on a response from the mortgage company to proceed with funding disbursement. On Monday I contacted the XXXX customer service line promptly at XXXX. The associate I spoke with advised she would unlock my account and I was to update the section of the application regarding my mortgage lenders contact info. She proceeded to hang up on me when I inquired further as to how to ensure this would be addressed and that I had a time sensitive foreclosure sale impeding. I went through my unopened mail and found a statement from XXXX most recent from AmeriHome and XXXX other correspondence from XX/XX/2022, also a payment statement. No where did it indicate I was in default or in threat of foreclosure. It did mention my delinquent payments-from my forbearance period, though the forbearance itself was not mentioned at all. There was a piece of paper with a Hud Counseling agencys contact info include separately, stating it was provide by the law office whom I had contacted on the previous Friday and indicated it was on behalf of them and XXXX XXXX dba XXXX XXXX?? Yet another mortgage name given, making it impossible to decipher what information I should even update my XXXX app with to ensure it the correct lender and mortgagee clause be provided. I was able to schedule a phone appt for later that day with XXXX of the HUD counselors from the agency provided in that included sheet of paper. She proved to be a wonderful and most helpful resource. She struggled to find any indication of AmeriHome as having a judgment or even a delinquent account status reported to my credit, she could not find any info on the upcoming sheriff sale that had been mentioned by two diff dates in the one phone conversation I had with AmeriHome. She advised I reach out to my local sheriffs office, which I did and they were unable to find any information on a foreclosure sale of my home, let along a scheduled auction sale in a month. I decided to try the law firm again, as they had not returned my call/message from Friday and the HUD counselor thought they might have more info as to the true status of my mortgage and verify or deny upcoming sale. I was advised they would have had to attempted to contact me 5 weeks prior to the scheduled sales date and on 3 occasions. I was transferred several times within the lawyers office staff voicemails, 2 of which were full and I could not even leave a message. I called back and demand I be able to speak with someone, I would hold if need be but I had a time pertinent matter to address. Finally I was given a staff member who proceeded to tell me she didnt know what I was seeking, that my loan servicer was Cenlar-after I had to stop her and request she spell it, as this was yet another lender I was being told was MY mortgage lender. I asked if i could get their address and phone number to contact, and also to provide XXXX. To which she responded, \" I dont know that info ''. When I inquired about the validity of a foreclosure sale-she told me she could not comment on that and would have to wait for her \" servicer 's report. I told her I didnt understand what that meant and that I was working with a HUD counselor who had advised me there was a 5 week timeline requirement-which clearly we were outside of, as the conversation was being had on XX/XX/XXXX, with an alleged sales date of XX/XX/XXXX which I had no paperwork on and both her office and the local county sheriffs office had no record of any such paperwork being served by either offices-nor a request to deliver in the future. She told me she didnt know anything about a sheriffs sale but they would have their sale, but she could not comment on when that may or may not take place. I expressed my deep uneasiness with the lack of information from anyone yet a vague non committal reference to a potential sale by all parties I had reached out to. She said she didnt know what I was needing, and hung up on me. \nI reached back out to the HUD counselor who instructed me to attempt to log in my online account from my previous and last known mortgage company, XXXX XXXX to see if I had received any correspondence to inform me of the sale of my mortgage and provide me with the information that AmeriHome was now my new lender and their contact info, also when this might have taking place. I attempted to access my previous account but was denied access. Due to the continued lack of information and general confusion, and nearly purposeful uncooperative nature or willingness for any of the involved parties to take responsibility and give direction as to the the actual mortgage servicer, status of loan, or foreclosure, and scheduled sale/and or remediation options, the HUD counselor informed me she would like to bring my situation to one of her supervisors. At the end of the business day she called back with some advice from her supervisor and her opinion that my previous lender, XXXXXXXX XXXX and/or my new lender, which was determined to be AmeriHome-had neglected to properly and accurately transfer my loan for servicing. Among the issues Ive stated, and in addition to-My forbearance period and dates were not correctly accounted for, and the extension was not included nor mentioned to the new servicer. This seemingly has caused the appearance of longer delinquent period, over 90 days, than the mortgage in actuality was at the time AmeriHome bought it, in-what we now learned from the Notice of Sale document we called BACK to the law office for the 5th time and were able to request, after being specifically advised what to ask for by the HUD supervisor-on exactly XX/XX/2022. The day the XXXX program launch for applications to be submitted and I subsequently submitted my application, at that time showing XXXXXXXX XXXX as my mortgage lender, which they were. \nI am now working with the HUD counselor to proceed with options to equip myself with the pending sale. I am beyond flabbergasted and appalled at the treatment I have received thus far and the seemingly nearly purposeful concealment of information I have the right to as a consumer, particularly concerning my largest purchase to date in my XXXX years, and undoubtedly my greatest asset. Aside from the blatantly inconsiderate and counterproductive unprofessional encounters I have had thus far-can we for a moment consider the cruelty to be so flippant and irresponsible regarding another persons home?! I am a XXXX  mom with XXXX children, who saved my entire down payment myself while making {$12.00}, prior to being laid off during XXXX I had never been late or missed a single payment on my mortgage. The day I closed on my home is and was one of the best moments of my entire life. I take great pride in the fact I was able to give my children a safe, consistent, and stable place where we dont have to rely on anyone or be separated due to lack of space or affordable housing in the rental market. I am astounded that the customer service, providing of information I can not otherwise obtain, and the literal battle to be given what should if nothing else, and surely not short of LEGALLY is due me. Ive had far better service at almost any drive thru Ive been too at this point then I am receiving from the holder of my mortgage. I have been physically Ill with worry and anxiety over the situation alone, and meet with an almost sabotaging agenda principle to merely gain information, I am apparently being held responsible for holding-yet it is literally being withheld creates a rather desperate and counterproductive futile chasing of ones own tail-so to speak. Considering that Foreclosures, are by their very nature a time sensitive and time obligated occurrences, it is simply unacceptable to allow lenders, services, and the third parties they employ to fulfill tasks on their behalf, to continue to operate with such a flagrant disregard and negligence for the consumers right to information, resolution options, timely and transparent access to documents, and contact information that can prevent the default or foreclosure of their mortgage loans. Particularly in regards to undermining the help for FHA and other government backed loans, when such allocated funds become available-especially following any national or world crisis, such as we saw and continue to see with XXXX XXXX. It is my sincere hope that the remainder of my attempt to work with the mortgage lender now holding me seemingly hostage in an active Foreclosure, will prove a better experience than the lack of such diligences and void of business principles and their seemingly unimportant integrity to adhere has brought us to this day. \n\nThank you greatly for your time and consideration in this matter. My apologies for the overly wordy and unedited copy-I was not planning to share in the depth at which this became. I truly am shocked and concerned for my fellow American homeowners, who have gone or will go through a similar experience with their lender or this particular servicer. I doubt most have the tenacity to even continue to pursue what should not be a scavenger hunt of wasted precious time and energy to obtain in the first place. I know I have been left with an overwhelming sense of mistrust, disregard, and almost malicious opposition where I never imagined I would. Shame on 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": "struggling_to_pay", "src": "cfpb_issue_mortgage"}}, "_meta": {"id": "cfpb/6022630", "source": "cfpb", "group_id": "cfpb/207e72e5e82a5d2cc692", "variant": "clean", "length_bucket": "long", "chars": 12761, "company": "AmeriHome Mortgage Company, LLC", "date_received": "2022-09-27", "product_raw": "Mortgage", "issue_raw": "Struggling to pay mortgage", "sub_issue_raw": "", "text_sha256": "207e72e5e82a5d2cc69298bc40bf3a335f372d0d55f8c907cb200db200540dc5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. \n\nParamount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. \n\nRegards, 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/2744962", "source": "cfpb", "group_id": "cfpb/4b799e1aa82b1ac04049", "variant": "clean", "length_bucket": "short", "chars": 579, "company": "Paramount GR Holdings, LLC", "date_received": "2017-12-03", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "4b799e1aa82b1ac04049261ac10ae7176a2d61f395f5071de7deb8d112391f27", "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 misplaced my debit/credit card ending XXXX, the only card I have with Chase Bank. I was in the midst of a camping trip and figured the card was just lost somewhere inside my car in the mess of clothing and camping gear. I checked my account each day for new activity, and I kept an eye out for the card. On XX/XX/XXXX, I noticed some transactions that I did not make. I immediately called my bank at XXXX XXXX, made a claim, and told them to cancel the card. The representatives on the phone assured me the card was cancelled, and told me I would be receiving another card shortly. He told me that there had been ATM withdraws in XXXX XXXX, Nevada. I told them I had not been to XXXX XXXX in at least one and a half years and there was no way I made those withdrawals. They asked me what the last transaction I made was. I told them it was a debit at a thrift store in XXXX XXXX, California on XX/XX/XXXX. They asked me to look at each transaction and tell them if I recognized them. Only then did I realize the extent of the unauthorized transactions. I looked back and discovered several ATM withdrawals per day for {$80.00} each, all of them made in XXXX XXXX Nevada, with most of them being initiated before I lost my card. I was very clear with everyone I spoke to that these unauthorized transactions could not have any relation whatsoever to the card being lost on XX/XX/XXXX. They were separate issues. They asked and I told them that I never gave anyone my pin. I never let anyone use my card. I did not authorize these transactions. The representative on the phone told me there were cameras at the ATMs so they would be able to view those to determine whether this was me. I expressed great concern that these unauthorized transactions were not caught earlier by the bank since I was making transactions in my hometown, hundreds of miles away on the same days and at similar times using the same card, and there 's only one card. I asked that they note this for the investigator and they said they did. I was told I would receive a document that outlined the unauthorized transactions, and that I should review that and if it was correct, send it back signed and they would analyze my claim after that. I never received any document to sign and return. I received a text from my bank on XX/XX/XXXX at XXXX PM asking if I made an {$80.00} withdrawal on XX/XX/XXXX. Of course I had not made any withdrawal since earlier that day when I had called and cancelled the card. I did not notice the text until XX/XX/XXXX. I responded \" NO ''. A representative from Chase called me immediately after that text. I answered and they asked me about several more ATM withdrawals that had occurred AFTER I had called on XX/XX/XXXX to cancel my card. I asked why someone was being allowed to withdraw money from my account if I had cancelled the card. The representative seemed confused and told me I had NOT cancelled the card. I had just made a claim about unauthorized transactions. Then she noticed that a new card was already being sent to me, and she apologized and said that for whatever reason the card did not actually get cancelled. She assured me it was now cancelled and nobody would be able to use it again. I had to hang up at that point because I was needed in court ( I 'm an XXXX XXXX and a Judge was motioning for me to come back in the court room ). On XX/XX/XXXX I received a text from my bank telling me that they had decided to give me a temporary credit on my account of {$0.00}. I called customer service to inquire why. I was placed on hold for over 5 minutes, and when the representative came back on the line, she told me that the {$0.00} credit was a mistake and that the credit would post to my account within a few days. On XX/XX/XXXX, I received an email from my bank telling me that they had investigated and determined that these transactions were \" valid '' and that my claim had been denied. I called customer service on XX/XX/XXXX to inquire as to the details of why their investigation led them to this determination. Two different representatives told me there were three specific reasons that led to this determination : ( 1 ) I reported that the card was \" lost '' ( as opposed to stolen ) on a date prior to the date of the last authorized transaction ; ( 2 ) I told them that I did not give the pin to anyone and I did not write it down anywhere ; and ( 3 ) I could not provide a reason as to how someone else would have my pin. In other words, they determined that it must 've been me making these withdrawals since I did n't lose the card until XX/XX/XXXX. They would not tell me what their definition of \" valid '' was. When I asked if they had considered any other facts, such as the fact that these ATM withdrawals happened at the same time that I was making transactions in my hometown, they would not answer me or they answered \" no ''. When I asked if they had reviewed the videos from the ATMs where the withdrawals were made, they would not answer me or they answered \" no '' and told me I had to subpoena those videos. I asked them to send me the tapes of the conversations I had with the claims department and they refused. I asked them to send me documentation of the details of the investigation and they said I would receive them in about 10 business days. In total, there were XXXX unauthorized ATM withdrawals made on my account between XX/XX/XXXX and XX/XX/XXXX. Each of them was for {$80.00}. That 's a total of {$1600.00} that was taken from me while my bank stood by and watched. The unauthorized withdrawals have ceased now.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2776244", "source": "cfpb", "group_id": "cfpb/0bb42a5eadd068c85d2a", "variant": "clean", "length_bucket": "long", "chars": 5600, "company": "JPMORGAN CHASE & CO.", "date_received": "2018-01-10", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "0bb42a5eadd068c85d2a551a1caacc7743f03386da31b48b6abfff01a1c129ca", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "My principal applied for a mortgage loan at Truist on XX/XX/2023 and was unlawfully denied. Regardless of the reason of the denial, I have the right to credit. Withholding access to my securities, is security fraud, extortion, trust fraud, breach of contract, interference with commerce, malpractice, breach of fiduciary duties, etc. Truist Financial are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act ; the very same laws that the corporation tells us they abide by. Since you are denying access to my securities and credit, please retract my application and stop profiting off of my securities without my consent. I believe my security ( the application ) was securitized without my knowledge and consent. I have sent the CFO ( the federal reserve agent ) of Truist correspondences and tenders, specifically a Notice of subrogation on XX/XX/2023, Unauthorized Denial of Mortgage Loan and a durable power of attorney on XX/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": "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/7668030", "source": "cfpb", "group_id": "cfpb/95b49f899ccdad35c5b8", "variant": "clean", "length_bucket": "short", "chars": 974, "company": "TRUIST FINANCIAL CORPORATION", "date_received": "2023-10-09", "product_raw": "Mortgage", "issue_raw": "Applying for a mortgage or refinancing an existing mortgage", "sub_issue_raw": "Application denials", "text_sha256": "95b49f899ccdad35c5b81d5d1f74f44721cdf823318f028cde2fc508f4bf1afd", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had a checking account with Wells Fargo back in XXXX up until I believe it was XXXX. I deposited a check that was given to me from a person I know. That check was given to him from his lawyers estate account. It was for {$5000.00}. I already had a account with my money in it too. I deposited the check through the atm at night. I didn't take any money out at all. I also deposited {$100.00} cash throught the atm. Like I said I never took a dime out that night. The next day I went to get food for my kids and swiped the card it said declined. I called the bank and they told me my account had been shut down for fraud. I said what fraud. They told me for the {$5000.00} check that had been deposited the night before. The check was not in my name but my friends name. He had signed the check for me to deposit it. The money was to go to someone else and I was the only person that could get it to him. I told the bank that I needed that check back. They told me that it was being held and it was being investigated. I told them well I want my money that I also already had in the account and the cash I had deposited that night. They told me that I had to talk to the fraud department. I called the fraud department and got the run around there too. I told him I needed my money back from my account and the check. They said the only way I could get the check back is if the person whos check it was written out to came in with a license to get it. That person had left town and was going to be gone a while and I was to handle things for that person and thats why I was given the check. They said that they couldnt give it to me. I talked to the lawyer who gave that person the check because it was from the lawyers account. They wouldn't give it back to the lawyer either even thought it was his check. The lawyer even told them that I was supposed to have the check and confirmed everything. I asked the guy on the phone with the fraud department that I needed all the rest of money that was in my bank account prior to that check and also the cash I had deposited that night. They kept telling me that they had to wait for the investigation to finish and they were holding all my money. Im a XXXX mother with XXXX boys and they took all my money shut my account and wouldn't give me nothing of mine claiming I did fraud when I didn't. I called the manager at the Well Fargo and told her I wanted the money that was already in there and they put me and my kids without any money. She told me that she would send me the final statement with a check for my funds. I got the letter about a week later with just a closing statement and no check. I kept calling and would get the run around. I spoke to the manager again. She lied and said she never said she was sending me a check and kept telling me there is nothing she can do I have to call the fraud dept. I called them again and once again they refused to give me my money. I got so fed up and stressed out about it I finally had to just let it go and let them steal my money. This all happened in XXXX or XXXX. Then out of no where I get a letter from Wells Fargo in XXXX stating that they messed up and shut my account down for fraud when it wasn't and they made a mistake. They gave me a {$150.00} they said for my funds that were in there and a some to make up for their mess up. Seriously!!! I had more than that in my account and they want to give me less and what like {$50.00} for their mess up. Actually they gave me nothing for their mess up and didn't even give me back all the money I had in my account before they wrongfully closed my account without notice or anything. If I owed them money best believe I would have to pay interest on all that money for as long as it took for me to pay them back. They already put me through a lot of stress and problems by leaving me and my kids without any money and closing my account for no reason. Then they basically slap me in the face with this letter admitting they messed up 7 years later and on top of it not even give me all my money back and say they gave some to make up for their total XXXX up that really left me and my kids in a bad spot!! I would like to sue them. They stole my money and apologized later and gave me back just a little of it. I never deposited the check in hopes of sueing them. I figured if I deposited the check it might be agreeing with the amount they gave me and I might not be able to make them be held accountable for this crime. I still have the letter and the check they sent me. I would like to know what I can do to get all my money plus interest for the XXXX they put me and my kids through for no reason. Its crazy that a bank can just steal anyones money like that and they get away with it. I want something done about it. Im sure it has happened to a lot more people than me and someone needs to speak up about these companies getting away with stealing peoples hard earn money and leaving them without any.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/5939302", "source": "cfpb", "group_id": "cfpb/7573db9b7c66e5e9ebee", "variant": "clean", "length_bucket": "long", "chars": 4966, "company": "WELLS FARGO & COMPANY", "date_received": "2022-09-02", "product_raw": "Checking or savings account", "issue_raw": "Closing an account", "sub_issue_raw": "Company closed your account", "text_sha256": "7573db9b7c66e5e9ebee6a60d87f761410b898fa02e65721b7df2828ed241a8a", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I am not able to get into my online account for Direct Express. When I call the number on the back of my card I am asked to enter my PIN number. I don't enter my PIN number i am hung up on. I can only hear XXXX transactions on the phone. I have to wait on hold for XXXX to XXXX mins to speak with someone. My card does not work at the gas pump. I get charged for purchases I did not receive. I am not refunded and I can't get any 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/6195075", "source": "cfpb", "group_id": "cfpb/1587280d8cafa1a4c87a", "variant": "clean", "length_bucket": "short", "chars": 435, "company": "Comerica", "date_received": "2022-11-12", "product_raw": "Credit card or prepaid card", "issue_raw": "Trouble using the card", "sub_issue_raw": "Trouble getting information about the card", "text_sha256": "1587280d8cafa1a4c87af3bb69c3fbbd2aec433f7285a50ae569bf4a7af2b492", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. XXXX was XXXX owed. According to \" FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term \" consumer '' report or does not include reports containing information solely as to \" transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer 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"}}, "_meta": {"id": "cfpb/7902270", "source": "cfpb", "group_id": "cfpb/b44bc02d8001b2d3947f", "variant": "clean", "length_bucket": "short", "chars": 773, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-11-25", "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": "b44bc02d8001b2d3947f973e2daa9be42a9f8bec1b6b20df7e3d2683e46ceaa9", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I initiated a refinance on a loan XX/XX/XXXX. I was approved for {$2600.00} to pay off {$1000.00} balance and to obtain {$1500.00} in my account the following day. On XX/XX/XXXX, the funds were not in my account. I contacted QuickCredit and the representative informed me that I selected the option to receive funds by mail. I informed the representative of my emergent situation and asked if I could change the method of payment to direct deposit. The representative could not change due to the \" binding contract ''. However, I was ensured that the funds were mailed on XX/XX/XXXX and that it would take 7 - 10 days to receive. By XX/XX/XXXX, I still hadn't received the check/money order. I call QuickCredit again and explained my situation from the beginning ( as mentioned above ). The representative stated she was going to investigate and track the check/money order and email me back no later than 4 hours. After 4 hours, I did not receive an email but did receive a call regarding a missed payment. When I returned the call, I again explained to the representative my issue and that I will not be making a payment since I have not received the funds. The representative at this point claimed she could see the notes regarding the investigation/tracking of the money order and that it would take 48 hours for a resolution. A few hours later, I received an email from the representative I spoke with earlier that day on XX/XX/XXXX. The email indicated the money order was actually mailed out on XX/XX/XXXX not XX/XX/XXXX. No other explanation provided. In disbelieve and frustration, I called the company again after receiving the email and demanded that I receive the funds via direct deposit. The representative stated that could not be since the check has already been mailed and to allow 7 - 10 days to receive the funds. On XX/XX/XXXX, I called QuickCredit to inform them I have yet to receive the funds in the mail. The representative placed me on hold to investigate and stated the money order was mailed out on XX/XX/XXXX not XX/XX/XXXX and to allow 7 - 10 business days. At this point, I may be getting the runaround and need assistance. The company has marked me with two late payment. So instead of owing XXXX I owe XXXX for funds I haven't 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": "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/5944585", "source": "cfpb", "group_id": "cfpb/822c50645941bd13b437", "variant": "clean", "length_bucket": "medium", "chars": 2268, "company": "NCP Holdings, L.P.", "date_received": "2022-09-02", "product_raw": "Payday loan, title loan, or personal loan", "issue_raw": "Getting the loan", "sub_issue_raw": "", "text_sha256": "822c50645941bd13b4374578b0848a4b045da9f1c5e65ca22daa602c67845a49", "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 vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a 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": "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/2921866", "source": "cfpb", "group_id": "cfpb/2840bd1d30a68d3f29ff", "variant": "clean", "length_bucket": "medium", "chars": 1464, "company": "ALLY FINANCIAL INC.", "date_received": "2018-05-31", "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": "2840bd1d30a68d3f29ffaa30d24f165355f43dbaca5258d83ffc850ac4f9cd28", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Last month while on Synchrony Lowes credit card payment site to pay my bill I noticed a drop down box where payment options were which I had never noticed before. My checking information is present in that area. I clicked on it and saw that there was another checking account below mine that was available to pay my bill with. Problem with that is we do not have a second account. I called and spoke with them and they assured me it had to be mine as they ca n't see my account information. I called my son as he is a XXXX to my husband being the XXXX and found that he has a Lowes card as well. It was his account information on my account. He does n't live at our address nor has he since he had that account. Never has he paid his bill from our computer nor have we from his. After going back and forth and taking a picture of this I deleted his checking account info from mine. Yesterday I got on Synchrony JC Penney credit card payment site to pay my bill. Again I noticed a NEW drop down box. My son 's information is on our account on it as well. He has NEVER had a JC Penney account. I called and was assured it was n't them. It had to be our bank that went into Synchrony 's credit card sites and added their information. Really? I asked for a supervisor, spoke with her, taped the conversation, as did she. She told me she would I.T. look into it after I pressed her. I asked for a return call and she told me I would not be getting one. They do n't do that. Since then I took to social media and several others have had the same problem. This scares 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/2680788", "source": "cfpb", "group_id": "cfpb/c10b3f5348f23cdc5e75", "variant": "clean", "length_bucket": "medium", "chars": 1564, "company": "SYNCHRONY FINANCIAL", "date_received": "2017-09-21", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Privacy issues", "text_sha256": "c10b3f5348f23cdc5e75a8d1f9a45e5b03015cbb73423dda89923550163f423c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I have had a Coinbase Pro account for a while. I was told that I needed to update some information on my account. I realized this was asking about a Coinbase account ( implied to be distinct from Coinbase Pro account due to different websites entirely ). I then proceeded to take steps to delete my Coinbase account, as I do not use Coinbase ( only Coinbase Pro ). The process disclosed that I had about {$2.00} USD worth of XXXX in the account, and before I could close the account, I had to withdraw or donate the {$2.00}. I, of course, chose to donate it. There was no disclosure that I would also be closing my Coinbase Pro account and forfeiting the significant sum of money that I had in the account. I reached out to Coinbase support via email ( as there is no way to speak with an actual human unless your phone number is associated with the account ), and received a wholly unhelpful response from the support team after waiting about a week. It was as if the agent did not even read my email. I promptly responded to clarify the situation and have not received a response after several days. There are several reports of this happening to other people, and clearly Coinbase has not taken steps to close this loophole in which they get to steal customer 's 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": "money_transfer", "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/6017966", "source": "cfpb", "group_id": "cfpb/a036037ad19dcc71f8db", "variant": "clean", "length_bucket": "medium", "chars": 1272, "company": "Coinbase, Inc.", "date_received": "2022-09-24", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "a036037ad19dcc71f8db9c0ff05051b0262ff8072d4463080890b6a04dbee528", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I purchased XXXX  XXXX tickets for my family members with my chase credit card. The tickets were not honored because my family members did not have my credit card physically present while boarding.The manager on duty on XXXX XXXX flight # XXXX  XXXX from XXXX to XXXX on Friday XX/XX/2020 did not allow my family members to get on board. No boarding pass were issued. My family members were present at the counter and were denied boarding. The surveillance cameras at the counter will show that all of them were present. One of my family member sent feedback to XXXX XXXX online for the problem they were facing. Due to COVID-19 my family members were stuck at the airport for five days.There was no way I could have sent them the original card. I called via video link to speak to the manager on duty. I sent him copy of my ID, showed my original card but he refused! It was an emergency. I could not let my son and other family members sit at the airport any longer.I had to purchase new tickets for them to go home. Please see attached copy of new tickets from another airline. \nI tried to contact XXXX XXXX numerous times but due to COVID, my calls could not get through. I even made visit to their office in XXXX XXXX but I could not get any help. \nI disputed XXXX XXXX tickets transaction number XXXX for the amount of {$3900.00} dated XXXX with my chase credit card. The XXXX XXXX never provided the services by not allowing my family members to board on the flight. Chase denied my dispute stating that \" The Merchant has provided the information showing they believe the charge you are disputing is valid ''. \nThe only information was provided that the flight was on time to XXXX! \nI requested the credit card company ( Chase ) to ask the merchant to provide the boarding passes if the services were provided to my family. But no response! \nPlease contact me if you need any additional information. \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": "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/3862701", "source": "cfpb", "group_id": "cfpb/3d41b573dbb07b536d23", "variant": "clean", "length_bucket": "medium", "chars": 1920, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-09-23", "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": "3d41b573dbb07b536d2307b73a36f3945b6e2841fe66430454209896eb7f0258", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XX/XX/2019, I was a victim of fraud. Someone contacted me via XXXX   posing as a friends business. This individual asked for my number and contacted me via cell. My cash app information was requested to \" allegedly '' send funds as I was a winner of a contest. The person called me was able to successfully send themselves funds, I recieved notifaction for the 2nd transaction, I became uneasy and realized this person was an imposter. I then took a screen shot of the conversation via direct message via XXXX and Cash app support was contacted immediately regarding the fraud. Cash app support responded to my complaint and instructed me to dispute the transactions with my banking instituion. I filed the banking dispute with XXXX  XXXX XXXX. Cash app received notification of the claim from XXXX, then closed my account. I attempted to speak with someone regarding this and I was advised that my account can not be re opened. Cash app support also advised that \" no additional information could be given ''. There were a series of additional communications sent as a reply to XXXX. This email address is the only known email that I have been able to successfully respond to, however, when sending mutliple communications to XXXX, I began to recieve bounce backs emails stating that the XXXX is unmonitered and that I would need to submit via app within the profile where you will find the support link. \n\nOnce I have submitted my ticket to the support via app within the profile, XXXX repsonds to my email XXXX the same response as the previous email sent advising me to submit via app within the profile via help link. This is what I call \" going in circles ''. This is very frustrating when trying to escalate to have this resolved and re open my account. \n\nAs a soultion, I created a new cash app id from my secondary phone number XXXX with a new email address. The banking information however did not change. Cash app would not activate the new id and closed this account as well. I am alarmed by this as I am not sure why this would be an issue as I did not complete fraud. I emailed cash app support from the new account and recieved a response stating my account is closed, no further information can be provided, and to read the terms and conditions. \n\nIt is understood that cash app is not the only mobile cash application, however, as a consumer I would like to excerise the right to file a complaint requesting assistance in this matter with CFPB. At the present moment, especially with the global covid pandemic crisis, we are living day to day during an unprecedented time. The last thing I would want to do is to force a person to risk themselves to find a money transfer location while the world has literally been titled on it's axis. Only business in operation are essential businesses. To be frank, money services are found in retail stores in which some are closed. For those that remained open, there is a risk of infection when heading to the stores along with everyone else. \n\nSquare Inc support was contacted and I was verbally told Square inc support can not help with cash app as this service is not managed by live representative. I then asked if there was corporate office to write to, I was advised there was not a corporate office or dept I could esclate this matter to for review. It is my hope that I will save consumers the headache of unfair business practices as it relates to mobile apps & the internet. Below you will find the cash app claim number. \n\nCash App 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": "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/3590825", "source": "cfpb", "group_id": "cfpb/b9ee7eb0be695cb68bf0", "variant": "clean", "length_bucket": "medium", "chars": 3511, "company": "Block, Inc.", "date_received": "2020-04-02", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Unauthorized transactions or other transaction problem", "sub_issue_raw": "", "text_sha256": "b9ee7eb0be695cb68bf03083be47023aab741cb44a559ffea44c0717e68daa81", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I got a promotional later frome chase bank stating that I am pre qualify for a promotion of XXXX interest for 18 month, on XX/XX/2023 I decided to go ahead and apply for that credit card, I must say that I have enough credit cards and I don't need more, the only reason I opend this credit was just because the 18 month XXXX interest promotion, after I applied online for the card I called to see if I got approved and they said yes and that the card is on its way and I should receive it in the mail, I believe there even was a confirmation of the 18 month XXXX interest In that conversation... \nOn XXXX I checked my credit spending history and noticed that they are charging me interest! I called to cheek why are they charging interest, the first customer service responder was a lady and she said that it's a mistake and that the card should have the promotional XXXX interest, she even reversed the interest charges Back to my card and said they are sorry... \nAfter that she said she will transfer me to an account supervisor to fix the problem so I won't be charged interest on my card in the future, the supervisor checked and said that they are charging me interest because this card has interest on it and when I say that I got the XXXX percent XXXX interest he checked and said that I was not qualified for that promotion! He said that I should have Read all the small details which I did and nothing said clearly that the may decide not to give me the promotion even if they approved me for the credit card! \nThis is very deceiving and bad business to lower customers to sign up for a credit card because a specific promotion and give them an approval for the credit without the promotion which is the only reason for opening the 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": "card", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/7872450", "source": "cfpb", "group_id": "cfpb/c5ff658127344aaf2138", "variant": "clean", "length_bucket": "medium", "chars": 1749, "company": "JPMORGAN CHASE & CO.", "date_received": "2023-11-19", "product_raw": "Credit card", "issue_raw": "Advertising and marketing, including promotional offers", "sub_issue_raw": "Didn't receive advertised or promotional terms", "text_sha256": "c5ff658127344aaf21381ca3c453d28932b4fe31d5dba524fb7ab6458b4f4b1e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "First National Bank ran a fraudulent and intentionally misleading campaign to get new customers they had no intent of honoring. \n\nFull offer details. \n\n1 Present this promotional offer code when opening a new FNB personal checking account XXXX XXXX, XXXX, XXXX XXXX XXXX or XXXX XXXX. A {$50.00} minimum deposit is required when opening an account online. To receive the {$400.00} direct deposit reward, the following conditions must be satisfied : 1 ) Set-up and have a qualifying direct deposit ( s ) totaling {$2500.00} made to your new personal checking account within the first 90 days after account opening ; and 2 ) your account must be in good standing once the above conditions are satisfied. Then your {$400.00} reward will be credited to this open account within 15 business days following the 90 days after account opening. Your qualifying direct deposit ( s ) needs to be an electronic-type deposit, similar but not limited to, paycheck or pension from your employer, government benefits ( such as Social Security ), or other affiliated depositors. To receive the {$200.00} reward, 15 customer initiated debit transactions must be made from your new personal checking account within the first 90 days after account opening ; debit transactions could include POS, PIN, ATM withdrawals, transfers to other accounts, mobile banking, online bill pay, wire transfers, personal checks, and XXXX ; 2 ) your account must be in good standing once the above conditions are satisfied. Then your {$200.00} reward will be credited to this open account within 15 business days following the 90 days after account opening. Offer valid for new personal checking accounts opened XX/XX/XXXX through XX/XX/XXXX. Offer subject to change without prior notice and may be terminated or extended based on response. Offer does not apply to multiple checking accounts. Existing FNB checking accounts or accounts converting to another personal checking account are NOT eligible for this offer. You can receive only one new checking account reward related offer per household per calendar year ; bank employees and members of their household are not eligible for this promotion. FNB may offer multiple promotions to its customers at one time. Even if you met the requirements for multiple promotional offers you are only eligible for and will receive one promotional reward offer. Checking accounts closed by customer within 180 days of opening are subject to a {$50.00} account early closing fee. Some of our checking accounts do accrue interest based on balance, for example : our XXXX Checking account currently pays .01 % Annual Percentage Yield on balances of {$2500.00} to $ XXXX. Depending on the checking account chosen the rate may vary. Interest rates are variable and are good as of XX/XX/XXXX, and are subject to change at any time. Fees could reduce the earnings on the account. See the Consumer Fee Schedule for further information on fees applicable to this account which is available at an FNB branch. To the extent required by law, First National Bank will report the value of this reward to the IRS on Form 1099 MISC. Any applicable taxes are the responsibility of the account holder. In the event that we determine in our sole discretion that your account does not meet the eligibility criteria or the activity on your account does not qualify to meet the required conditions, we will not be obligated to credit your account with the reward payout. \n\nOffer available at the XXXX, MD, XXXX, VA, XXXX, NC and XXXX, and NC ( DOWNTOWN ) FNB locations. \n\nPROMO CODE : XXXX Offer Ends : XXXX XXXX After opening an account, and following every step along the way to get these benefits, they were denied to me because I was 'out of area ' from the promotion. I live 12 miles away from the XXXX, VA branch. My zip is XXXX, the bank is XXXX. \n\nIf they had no intent of honoring this offer, they should have told me originally when I signed up for the account. Not after 4 months of waiting. None of that communication happened and they allowed me to sign up, fund, and use this account for months, and only after I requested the promised bonus did they deny my request. This is a malicious and intentionally misleading marketing practice.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4126780", "source": "cfpb", "group_id": "cfpb/36ffdc26ae46af05734e", "variant": "clean", "length_bucket": "long", "chars": 4232, "company": "FIRST NATIONAL BANK OF PENNSYLVANIA", "date_received": "2021-02-09", "product_raw": "Checking or savings account", "issue_raw": "Opening an account", "sub_issue_raw": "Account opened as a result of fraud", "text_sha256": "36ffdc26ae46af05734e8342668f765c2f7b674216e021b7429a378be9424267", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I sent the communication to this company as follows : National Credit Adjusters P.O Box XXXX XXXX XXXX XXXX. \nXXXX, KS XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give XXXX any written instruction to do at the request of National Credit Adjusters. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. \n\nUnder 15 U.S.C. 1681b Permissible Purpose 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. \n\nUnder 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. \n\nUnder 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. \n( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. \n\n\n\nAs previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2020. I have never done business with this company. \n\nI will include the official letter 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": "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/4388212", "source": "cfpb", "group_id": "cfpb/9675e09ec13ee6523a7e", "variant": "clean", "length_bucket": "medium", "chars": 2161, "company": "National Credit Adjusters, LLC", "date_received": "2021-05-19", "product_raw": "Debt collection", "issue_raw": "Attempts to collect debt not owed", "sub_issue_raw": "Debt was result of identity theft", "text_sha256": "9675e09ec13ee6523a7e7258c0280873e24b94e2e2b9e1858bc4b6c0aac014ec", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "An ID THEIF applied for and received a credit card in my name from Chase Cardmember Services ( Chase Bank ), who subsequently closed account due to concern about validity. They informed me via a letter referencing \" my Account '' ending in XXXX. I called their ID Theft line XXXX and asked for further information about the application, to pass on to law enforcement. Chase Cardmember Services refused to release it to me unless I put the request in writing, along with a copy of my Govt-issued ID and an Affidavit from the FTC. \n\nThat is a lot of work and additional exposure to gain access to information they clearly have available but are reluctant to share.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3672442", "source": "cfpb", "group_id": "cfpb/e496eef5709c4e5633c7", "variant": "clean", "length_bucket": "short", "chars": 662, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-05-28", "product_raw": "Credit card or prepaid card", "issue_raw": "Other features, terms, or problems", "sub_issue_raw": "Privacy issues", "text_sha256": "e496eef5709c4e5633c7acb7f263f205b91e10a074f782a28a1c7c8b7b08ad67", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I Bought a vehicle XX/XX/XXXX from XXXX XXXX XXXX i specifically ask to have gap included in my finance charge when financing the vehicle. The sales agent was like ok we'll add that in there for you and they never did. I recently sent a letter of recession to the dealership on XX/XX/XXXX they claim my claims were baseless. I followed up with letters i haven't heard a response from them or gotten a remedy.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6324208", "source": "cfpb", "group_id": "cfpb/1780a59f613008feea74", "variant": "clean", "length_bucket": "short", "chars": 408, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2022-12-15", "product_raw": "Vehicle loan or lease", "issue_raw": "Getting a loan or lease", "sub_issue_raw": "Confusing or misleading advertising or marketing", "text_sha256": "1780a59f613008feea743cc3a6bc0de63561f9df7eb320d43b3ac6c43d8ccb39", "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 we had a fire that completely destroyed my shop and damaged the roof on my main house. My insurance company deemed the shop a total loss and {$13000.00} damage to the roof of the main house garage. I received the check that was endorsed and sent to my mortgage company, Freedom Mortgage. Since that time, Freedom Mortgage lost, XXXX has fought me every step of the way. I have sent in all the required forms the invoices for work completed by contractors, and they have not released any funds to pay the contractors that have completed work. The contractors will not sign a lien waiver without getting paid, every time XXXX contact Freedom Mortgage they add additional requirements to being able to draw funds. So far they have paid for a partial materials list and thats all the concrete is done and they have not paid for the concrete. Every phone call is never answered by the same person in communication is not the same with any one phone call. Additional requirements are added every time. We are trying to rebuild our shop and repair our house garage. I cant talk to a supervisor that can make a decision that has helped us at all. Please help get freedom, mortgage loss department cooperating with a client who merely wants to rebuild what was lost, but cant do it without funding.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/6315458", "source": "cfpb", "group_id": "cfpb/9e8e1cb37cb928333e97", "variant": "clean", "length_bucket": "medium", "chars": 1303, "company": "Freedom Mortgage Company", "date_received": "2022-12-13", "product_raw": "Mortgage", "issue_raw": "Trouble during payment process", "sub_issue_raw": "", "text_sha256": "9e8e1cb37cb928333e971fcf1a9225148e2aa028d846a7b0971f8a678ee93736", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "After calling the CFPB with questions, this is my second complaint ( XX/XX/18 ) about the same problem in response to complaint # XXXX ( also XXXX ). My original complaint was met with a response from the company that was patently absurd, completely different from what I was informed on the phone and I would like someone else to review the complaint. \n\nMy previous complaint was abruptly \" closed with explanation '' on this website as if the company and I had resolved the matter, when in fact the company was so egregious in its own response they chose to NOT have their response open to the public, instead hidden from view. \n\nI challenged the company 's response and heard nothing back whatsoever ; as if they could just forget about the complaint since the CFPB waits for thousands of similar complaints against the same company to act upon trends. \n\nPrevious complaint in its entirety : Consumer Financial Protection Bureau, On XX/XX/2018 I received a report from my XXXX   credit management account that my credit details had changed ; XXXX  noted that my 18 year old credit card account with XXXX ( Account # XXXX ) had suddenly closed without warning. This was a credit card account I had been actively using every month, used less than 1 % of the extended credit ( {$13000.00} ), and faithfully paid off the balance every month. The XX/XX/2018 paper billing statement ( attached to this as a PDF ) from the credit card company XXXX mailed to me ( statement date XX/XX/2018 due on XX/XX/2018 ) said nothing of closing the account or needing to extend the account date. I called the number on the XXXX  credit card ( XXXX ) for further information. After verifying my account, I was told my credit account was closed due to returned mail concerning renewing the account. I never received an e-mail or a phone call to verify the return to sender mail and I was still receiving their same monthly paper billing statement in the mail as I did every month ( it wasnt being returned to them and it had the exact same mailing address they had on file ). The expiration date on the card was XX/XX/2018 and I asked if we could simply reinstate the account, but I was told emphatically that it was impossible to do so and the ONLY way to continue doing business with XXXX was to open and reestablish a new credit card account. I escalated my concerns and spoke to a manager, but he replied with the same excuse ; the account was closed ONLY because they received back the letter ( return to  sender ) they had sent to extend the account. The manager then said he could send a letter stating the same. My reply was how would he know if that letter would even make it to me in the mail or get returned? He agreed and I explained to him how ludicrous the situation was, what my credit concerns were and the fact that I would report this to the ConsumerFinancial Protection Bureau. I even asked how could an 18 year old credit account be closed due to something as petty as returned mail without some kind of human oversight ; ( I am a XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX ) meaning no business I know or operated would think about closing an active, 18 year old account with NO derogatory actions without reviewing it first especially if there were no way to reverse the action. My concerns with the above are twofold : 1. I  have just lost an 18 year old credit account on my credit file. I am XXXX years old and had three long term open credit accounts ( 15+ years each ), maintain a low to mid 800 FICO with all three credit reporting companies, paid off my prior mortgages, no car payment, have no other debts and pay every credit account in full every month. Now I only have two active accounts in my credit file. Lose - Lose Situation With My Credit a. Closing the account will adversely affect my credit ratings, lower my FICO scores which will cost me money and individual negotiating power via higher APR rates and less attractive loan level pricing adjustments/credit offers in the future ( according to all three credit reporting companies ). b. Opening a new account to reestablish business with XXXX credit card company will also adversely affect my credit ratings, lower my FICO scores which will cost me money and individual negotiating power via higher APR rates and less attractive loan level pricing adjustments/credit offers in the future ( according to all three credit reporting companies ). 2. They closed my account, all the while continued to send monthly paper billing statements with no warnings of account closure/account renewal and I didnt violate any of the terms of my account. I would certainly understand closing the account if I violated the terms we had agreed to ; late payment/no payment, inactive account, over extend credit, etc. But, in this case I did nothing wrong. It seems as if they wanted to open a new account with a dubious industry close and switch tactic so they can change the rate and terms to favor them better in the 10 pages of new fine print. Obviously, thats difficult to prove from where I sit, but it seems as the only likely motive for closing such a long standing account without human oversight. I understand other citizens have more important situations and there is nothing you can do to reinstate the account, but I feel I have a legitimate complaint about this financial giants industry tactics and would like them noted in the public record somewhere and have this information sent from your bureau over to a complaint review board/executive process at XXXX  for their review ; if it ever would make it that far or ever get the attention it deserves. Thank you for your help with this matter. Cordially, 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": "closing_the_account", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/3096485", "source": "cfpb", "group_id": "cfpb/30c5bff25947907d8d9d", "variant": "clean", "length_bucket": "long", "chars": 5686, "company": "CITIBANK, N.A.", "date_received": "2018-12-11", "product_raw": "Credit card or prepaid card", "issue_raw": "Closing your account", "sub_issue_raw": "Company closed your account", "text_sha256": "30c5bff25947907d8d9dfdd633cad27bb7144667e128fda4d2cb6dd893df40f5", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Bank of America : On XX/XX/XXXX, I was the victim of theft from my personal checking account. During the afternoon of that day, through a back door program called XXXX, my account was accessed, password changed, and for what must have been XXXX hours computer thieves ( XXXX ) cancelled my notification requirement for on-line banking, ( XXXX ) contested Debit card charges for about XXXX weeks prior totaling {$710.00}, ( XXXX ) somehow ordered and verified a XXXX transfer XXXX XXXX XXXX in the amount of {$710.00}. On the morning of XX/XX/XXXX, I was notified by email that all of this had occurred. I immediately contacted Bank of America customer service and the fraud department to report this. I was able to change my password, filed a claim for the loss, cancelled the claims the \" hackers '' ordered, and was assured that the funds would be returned. DID NOT HAPPEN. \n\nI have been around and around with the bank fraud department. They have alleged that the transfers and theft activities came from a \" device used before '', which is not true, and have refused to provide the proof which on XX/XX/XXXX, they agreed to do so. I was told that it would take up to XXXX business days, long since passed. \n\nI called again and the fraud department has refused to even consider this claim. Now I a getting threated by the bank to close the account, which I do not care about, but to report me for credit. I have attached the information that I have in writing including emails from the bank from XXXX and up to yesterday. \n\nWhat I am seeking is return of the {$710.00} to the account, at which time I will deposit what is required to bring the account to \" XXXX '' and will close it. A sad state given the long term relationship that I have had with them going back in some form to XXXX as XXXX  XXXX XXXX! \n\nYour assistance is appreciated.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10173809", "source": "cfpb", "group_id": "cfpb/c526835f0191e83ae81b", "variant": "clean", "length_bucket": "medium", "chars": 1843, "company": "BANK OF AMERICA, NATIONAL ASSOCIATION", "date_received": "2024-09-19", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Problem using a debit or ATM card", "text_sha256": "c526835f0191e83ae81be291906349e714285f6f499e31536a6d8d56cbe61f84", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Medical debt from XXXX XXXX was turned over to XXXX XXXX XXXX. They turn the collection over even if you are making payments. I now make my payments, at 13 % interest, directly to the collection agency. I recently questioned them as to how my payments are credited as they structure the debt by individual invoice. As an example, one invoice may be for {$15.00}, another for {$40.00}, etc. They told me that the payment is split evenly amongst the invoices. Therefore if I have 5 invoices {$5.00} of my {$25.00} payment will be made to each invoice.By my calculations, depending on the balance on each account, the debt will never be paid as that {$5.00} will go to interest and not to principle. I would like to assign the payments to particular invoices so that I can get them paid off. What options do I have as the company insists that that's their policy and I have no other options? \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": "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": "false_statements", "src": "cfpb_issue_debt_collection"}}, "_meta": {"id": "cfpb/3216099", "source": "cfpb", "group_id": "cfpb/78c98f945fe388bf38d8", "variant": "clean", "length_bucket": "short", "chars": 900, "company": "Ray Klein, Inc.", "date_received": "2019-04-18", "product_raw": "Debt collection", "issue_raw": "False statements or representation", "sub_issue_raw": "Attempted to collect wrong amount", "text_sha256": "78c98f945fe388bf38d8719eb3c74b5f17f38afd4e53c40ac52bf10d3008f44b", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  {$6700.00} XXXX XXXX XXXX {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10025896", "source": "cfpb", "group_id": "cfpb/01986b30dab9ecc7c774", "variant": "clean", "length_bucket": "medium", "chars": 1508, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-09-06", "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": "01986b30dab9ecc7c7745480ce05b67e55722380c77d77b50677f90bb6a7246d", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I called on XX/XX/2023 to find out what repayment plans I qualified for. I was told I qualified for a Graduated Repayment plan and that I would receive an email confirming the plan. It is now XX/XX/2023 and nothing has been updated or changed on my account. I have not received an email either. I have called 5 times and sat through 4 hour hold times only to be told that it has not been reviewed yet. The company keeps extending how many business days it will take to process. I have been told 15 business days, 29 business days, and 31 business days. It has now been 36 business days. My payment is due on XX/XX/XXXX, and I can not afford the current repayment plan. This does not seem legal or fair to 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/7696502", "source": "cfpb", "group_id": "cfpb/e61eb145d57bdba38e46", "variant": "clean", "length_bucket": "short", "chars": 708, "company": "EdFinancial Services", "date_received": "2023-10-13", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Problem with customer service", "text_sha256": "e61eb145d57bdba38e460293d9928e608bde2d42a89384a8679e45216883876c", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "Chase has completely misled me regarding financial assistance programs and payments regarding that program. I fell behind on my credit card payments in early XXXX while searching for work after the birth of my son and my account was closed as a result. When I was financially stable, I contacted Chase to provide me with a program that would allow me to bring my account current and make monthly payments. This was XXXX of XXXX. I was informed by a Chase representative that I would make a {$400.00} payment to bring my account current and then I can make a monthly payment of {$110.00} until the balance was completely paid in full. I distinctly asked if I would be able to make this payment until my balance was paid off and the answer was yes. I was also informed that the $ 110 monthly payment was more than the monthly amount due, so I would actually be able to pay off the balance faster. Automatic draft payments were set up from my bank account on XX/XX/XXXX to ensure I would never miss a payment. However, in XX/XX/XXXX, my credit score decreased by 31 points on XXXX and 21 points on XXXX  and XXXX due to being behind payments over 30 days. Even though for a year every {$110.00} payment successfully came from my bank account, never late. I was completely baffled, so I contacted Chase. I was informed by XXXX ( an Account Supervisor ) that the I was not on a fixed monthly payment assistance program as I was told Im XX/XX/XXXX, but the program was just to bring my account current. Once I made the {$400.00} payment, Chase was at will to utilize a variable interest rate to change my monthly payment from that point on. I was protected from this variable interest rate until XX/XX/XXXX because I was under a promotion that allowed me to pay 0 % APR. Once that expired, I had a near 25 % rate and increasing the minimum monthly payment to over {$110.00}. Since I overpaid the minimum due for about 6 months, it wasnt until XXXX that I was shorting my monthly payments. This would not have been an issue if Chase had simply contacted me to let me know the changes on my account. However, I was not informed of ANYTHING. Chase has my email, phone, and address, but I received 0 attempts at contact. XXXX at Chase said that she sees MULTIPLE statements were being returned back to Chase undelivered ( proving I had not received the information ) and that the phone number ( that I had for over 10 years ) was deemed disconnected after ONE attempt to call me in XXXX of XXXX. Additionally, no emails were sent to notify me of my account because it was a closed account ; however, Chase continued to send me promotional emails. I explained my issues with the lack of communication and the misleading of the assistance programs and XXXX issued an investigation. The investigation returned results that were not in my favor because Chase had effectively tried to reach out to me regardless of it being clear that they NEVER spoke to me regarding the changes in my account. It is clear that I had no issues making payments because they were being paid on time for an entire year. I would have gladly made adjustment to my automatic payments had I known that the rate had changed. I am now on a new assistance program ; however, my credit still reflects a lowered credit score after Chases poor service to contact me regarding my payment changes on my account. I have even disputed with each credit reporting agency and nothing has changed because their records show that on XX/XX/XXXX I am {$28.00} past due. My issue is that a Chase representative told me that I can make $ 110 monthly payments until my balance was paid off, set up automatic payments, and then Chase NEVER informed me of the changes on my account, which was the reason I fell behind and caused a 21-31 point decrease in my credit score.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3871496", "source": "cfpb", "group_id": "cfpb/5e1894c660b173f16780", "variant": "clean", "length_bucket": "medium", "chars": 3811, "company": "JPMORGAN CHASE & CO.", "date_received": "2020-09-29", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "You never received your bill or did not know a payment was due", "text_sha256": "5e1894c660b173f1678077b267416273a9c6e5ce06b5c0fe053c9e2db83cccfe", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "According to the federal government, loan payments had been deferred and this showed on my ancient statement as well. I did not make a payment for a couple of months then was charged a late fee. I immediately payed ( XX/XX/XXXX2021 ) and tried to contact someone for clarification which sent me information on other payment options. An unauthorized payment was made from my bank account from Navi ent on XXXXXXXX XXXX,2021. When I called to question, they said it was made from my account, that I had mistakenly paid. I had not logged into my account since XXXX/XXXX/21 nor was I set up for autopay. I immediately deleted my bank account information to stop Navient from making more unauthorized payments.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/4985119", "source": "cfpb", "group_id": "cfpb/1f927c96d50b534bd990", "variant": "clean", "length_bucket": "short", "chars": 705, "company": "Navient Solutions, LLC.", "date_received": "2021-12-07", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Trouble with how payments are being handled", "text_sha256": "1f927c96d50b534bd990584417ae936352ebba51d90b147f96f0d03c7c928a32", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "This is what I keep saying to them both verbally and in written communication : ( I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) There were 3 fraudulent charges placed at a vendor named XXXX  ( which is a store that does not even exist in the state that we reside ) on XX/XX/XXXX in the amount of {$150.00} ( yet only {$50.00} was taken ) per transaction which are unauthorized and still showing as submitted disputes within my app rather than received and I have contacted Venmo NUMEROUS times. The transactions hit my sons account on XX/XX/XXXX. \n\nCase Number : XXXX ( XX/XX/XXXX ) I was told I would receive an email from the dispute department with an update of the status of the investigation of these fraudulent transactions. The only email I have received is from XXXX stating I would be receiving an update in the next couple of days and that was XXXX weeks ago and I never received any communication after that. \n\nI was told it would take XXXX days to investigate these transactions just because it is my teen sons account. If these disputes began on XXXX documented. Since these transactions occurred at a store that does even exist in the state where we live and he just turned XXXX he can not go XXXX miles down XXXX XXXX without my permission so he most definitely did not go out of state as I have an app that shows me where he is at all times and it also records where he has been. If you need the documentation of his driving and destinations I can gladly give you that information. \n\nThis has put me in a financially difficult situation and I would like to have some sort of acknowledgement that someone is AT LEAST looking into it. At this point I would think everything should have been reviewed but every time I ask for an update on the app either they tell me the dispute has not been filed ( I believe I heard that twice ) or they escalate it to the dispute department which comes with a They will reach out via email and again I have had communication with anyone which, as stated before, there was XXXX email in actual regards to this situation and the other emails are requesting a survey to be filled as to how my experience was and I will tell you right now I have not answered those or taken those emails because I am thoroughly DISGUSTED at the business procedures from Venmo. This is BEYOND ACCEPTABLE. \n\nHere is a copy of an email I received on XX/XX/XXXX : Hi XXXX, XXXX from Venmo Purchase Support Team here! \n\nI'm sorry if you haven't received any update about the dispute on your teen account. I don't want this to be a negative experience for both of you so let me check this out and help you! \n\nUpon checking the status of the disputed transactions below, I see that your dispute is still being investigated by our Account Specialists that's why you haven't receive any communication from them yet. Your dispute is of utmost importance to us, our experts are actively working on it, and we kindly request your patience for just a bit longer. We anticipate having a comprehensive update for you within the next couple of days. \n\nAuthorization - XXXX # XXXX for {$150.00} on XX/XX/XXXX Authorization XXXX XXXX # XXXX for {$150.00} on XX/XX/XXXX Authorization XXXX XXXX # XXXX for {$150.00} on XX/XX/XXXX In the meantime, you can check the status of your dispute at any time by navigating to the Disputes section in the Venmo app.\n\n1. Go to the \" Me '' tab by tapping your picture or initials 2. Tap the Settings icon near the top of the screen 3. Tap Get Help 4. Select Disputes 5. Tap the dispute in question Once there you can view the details of all your ongoing disputes.\n\nIm sorry for the inconvenience and I hope this information helps out. If there are any other questions that I can answer for you regarding this matter, please don't hesitate to reply here and Id be happy to further assist! \n\nBest, : XXXX : ( XXXX ) XXXX ( XXXX XXXX  to XXXXXXXX XXXX XXXX, seven days a week ) : Chat with us on the Venmo Mobile App XXXX XXXX  | Venmo Support Do you see the words Your disputes are is it the utmost importance along with you will be hearing something within the next couple of days? A couple indicates 2-the NUMBER 2. Have I received any updates? NO! Have I been able to see any progress or updates within the app for these disputes? NO! \n\nI know Venmo is not registered with the XXXX XXXX XXXX  but your parent company, Pay Pal, is and at this point I will be filing a complaint with the XXXX  against Venmo and XXXX along with filing a complaint with the Federal Trade Commission if I do not have this situation resolved IMMEDIATELY. \n\nI would like to know what is going on and I also would like to not be stuck on a chat session for XXXX hours as that is what it normally takes with all the transferring of departments, queue position holds and let me reach out and ask delays. \n\nNow, I sent this same exact wording on XXXX, XX/XX/XXXX : I have the transcript from that conversation and was told that I would receive a new escalation/reference number within XXXX hours and SURPRISE SURPRISE NOTHING! I was told no number was generated because the case manager emailed the disputes team directly. Again, NOTHING! No email, no new numberno communication. I was told that it was being put through to the highest escalation that it could be and I am thoroughly DISGUSTED with this entire process. \n\nEven if you need a little more time that would have been ( please note the use of the past tense ) IF I HAD RECEIVED SOME SORT OF COMMUNICATION BUT I HAVE NOTHING! \n\nI have tried calling XXXX but there is no option for help with a dispute nor an option to speak to someone.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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": {"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/9106961", "source": "cfpb", "group_id": "cfpb/bd3acbf819b94712fb59", "variant": "clean", "length_bucket": "long", "chars": 5737, "company": "Paypal Holdings, Inc", "date_received": "2024-05-27", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Funds not handled or disbursed as instructed", "text_sha256": "bd3acbf819b94712fb59a3784ad6ed1094666b70dccb26df86dc762d61215193", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX XXXX XXXX Post : I called to have my loan payments smaller. They offered me a program, and said it would lower my payments. Currently I pay about {$800.00} am month in student loans. On the phone the teller said I was approved and took my first payment. They then set up a direct payment method for the next XXXX. They took the second payment. I received a email saying I was late on my loans and owed them late fees. They said they sent me an email letting me know I WAS NOT approved, after they verbally said I was and took my money. They then offered the program to me again, same things, and now I have credit marks on my credit rating for late payment for 4 months, and had to pay all the late fees. They just kept taking money from me. I have been paying for over 10 years and the loans are the same amount. There was no one I could call to help, and they just kept charging me more money the more I called to fight the charges. It is disgraceful what they get away with, and there is nothing a regular person can do. These loans have taken any opportunity of me having a car or buying a house. There is no regulation on them, and they just keep robbing people with their late fees and interest fees.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2295779", "source": "cfpb", "group_id": "cfpb/85b23762750862c63b21", "variant": "clean", "length_bucket": "medium", "chars": 1211, "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": "85b23762750862c63b21c2fb6f9b297a7e012b0a3379deba03c55c396af0b3a2", "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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A states I have the right to privacy.\n\n15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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"}, "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/7833636", "source": "cfpb", "group_id": "cfpb/0a7735f167464756a47b", "variant": "clean", "length_bucket": "short", "chars": 869, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2023-11-11", "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": "0a7735f167464756a47bdf30595df3fdd3e00fd03f84d0b4eece05ee9fef0083", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I entered into a signed agreement with XXXX XXXX, a representative of XXXX, XXXX XXXX on XX/XX/XXXX. The system, she said would be delivered and installed by XXXX : however, delivery and install of the XXXX system did not happen until late May. The sales pitch was that I would have virtually no electrical bill due to solar systems production and that I would receive a tax rebate of {$7700.00} to facilitate the early pay-off of the system if applied to the XXXX XXXX installment plan. The system was financed through Sunlight Financial at a rate of .99 % if payments were XXXX which resulted in a monthly of approximately {$100.00} and some change. This payment would change and increased to {$140.00} and some change if the rebate in the amount of {$7700.00} was not applied or paid toward the principal by the due date on or before the XXXX month. Well, the stated rebate-promised/stated rebate never happened. See the video link below. \nhttps : XXXX? XXXX Now back to the install of solar system. Upon the completion of the system, I began to receive utility bills XXXX times more than I was paying without the system. I called the company XXXX XXXX XXXX XXXX ) to tell of this acute increase in my billing statement. It wasnt XXXX XXXX that I spoke with, but a XXXX was now the spokesperson for the entity. She vowed to assist me the problem and find some kind of resolution. I repeatedly told her that it appeared as if the solar system itself was the cause of the sharp increase. My usage went from XXXX kilowatts to XXXX hr. per month immediately after the system was put in operation. She and others blamed the utility company and agreed to speak with them to make sure that the meter readings were correct and to make sure that the surplus or over-production of solar power was being credited towards the bill. We called them all-we called the servicers and the delivers of the electricity to determine if all the settings and meters were properly in place. All of them assured us that everything concerning the meter setup was in place and correct. Months of this would go on-back and forth with providers and the delivery company. By this time, I am on my third provider due to not being able to satisfy payment of the humongous bills -- XXXX, XXXX, and XXXX. XXXX promises to have technician out to home to affirm a correct and proper install of the system and a promise to pay the high bills from the utility companies by the owner XXXX & an associate named XXXX XXXX XXXX father was part owner of the entity with XXXX. In the meantime, Im trying to mitigate as much as I possibly can. I scaled back my usage of all power that my family could stand. I am XXXX to 7 months into the system when finally someone come to check the system. I can not recall the name of the person but all he said was that the meter is running backwards and that faut lies with the delivery of the XXXX. So, I move to deal with XXXX who says in return that the issue is the system itself the installation thereof. \nI call XXXX & send out blast texts to all XXXX associates and representative on a regular to see if anyone could or would rescue me from what Ive encountered. I had to do this every chance XXXX got-sometimes very early and sometime very late because the answering of my call had become null and void. Finally I get a call from a XXXX or a XXXX who says my dealing is not with him but call XXXX. I ask who XXXX and he is tells me XXXX XXXX is the owner of the company. I called him and he said that someone would be out to check out the system. Again months go by and still no one shows up. I again start to call and or send out blast text to get some attention. I get a call from XXXX XXXX who tells me I can not be bugging his team so early. He said for me to deal with him only and not be sending out text messages to them guys again -- he begins to isolate me. My dealing with him proved futile as well. I was told by his reps/associates that my high billings would be taken care of until they could get to the bottom of the issue. He told me to send him my billing statements that amounted about {$1500.00} for and he sent a check for like {$600.00}. Again, months would pass with no response from the company. I continued to mitigate the expense of powering my home. I also became suspicious of the XXXX XXXX XXXX entity and started to investigate and inquire answers online. I made claims and reports to BBB. I had roofers to install extra wind turbines which amounted to {$1200.00} in the roof which I never needed before. XXXX installed, light bulbs changed, new heat pump XXXX unit all of which I never needed prior to the installed solar system. I even called the manufacturer of the installed inverter to see what could be done to alleviate the high energy cost of powering my home and to tell of an out of business rumor of the entity. On XXXX different occasions I spoke with a XXXX XXXX, XXXX XXXX who suggested I move on and locate another entity to service the system because the system appeared to be grossly under producing from the interview on the phone. In following their suggestion no one but no one would consent to touch the work of another company or XXXX due to possibly liabilities. Also to get someone to work on or check out the system could possibly cancel out the warranty that supposingly came with the equipment. They gave a lot of reasons for not assisting in the efforts and said that it would be at least $ XXXX for the efforts not including travel to my site. XXXX reason they gave really caught my attention and that was the fact that many of these XXXX did not obtain proper permits to install the systems and suggested that I write or contact the agency for licensed electricians. To add salt to the injury, I went to the XXXX of XXXX to see if I could obtain information on the licensed electrician who performed the install only to found out that no such permit to perform any electrical work on my home was obtained. There I spoke with a XXXX XXXX who told me that no permit existed for such a job! Now I am faced with legality issues and transgressions of city ordinances. I thought to seek legal avenues, but no lawyer would even consider the issue for me. They all suggested that I stop all payment, but this would further jeopardize a perfect credit reporting that is already tarnish by the utility companies reporting not pay outstanding monthly bills. \nXXXX stated above, I am left to take actions of reporting, researching, and investigating in my own hands since no resolution was arrived at. This is what I have so far : XXXX mounting complaints against XXXX XXXX XXXX XXXX XXXX BBB ( all are similar to XXXX XXXX, communication, & etc ; XXXX out of business and/but operating in the same industry under a new name and identity -- Sunset XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts of XXXX XXXX, OK against XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX https XXXX XXXX XXXX XXXX XXXX XXXX... ) I spoke with the XXXX XXXX attorney, XXXX XXXX, to ask if I could join XXXX XXXX a witness in the case. He thanked me for the call and offer but stated that he was not sure if there would be anything profited but that he would keep my contact information should anything positive come out of the suit. I am the one who told him and the BBB that the entity was using another name to maintain his devious practices in the industry. XXXX. Sunlight Financial LLC has its share of complaints and perils-internal & through the BBB. By way of email correspondence, I received approximately 6 months worth of installments notifications. I knew this because I had to register my account online to make the payments. When I noticed that no billing correspondences were no longer coming through the email system, I went to the customer portal to check what was happening. Some how or another I was direct or directed to call a Launch Servicing ... I also discovered an email from them dated XX/XX/XXXX stating... Dear XXXX XXXX, There is an important document available for you from Launch Servicing, LLC for account number ending in XXXX. Please log in to your online account and select XXXX Account, then Account Documents and Correspondence to view this important account communication. \n\nPlease do not respond to this message. To respond, send a message from your online account or call us at ( XXXX ) XXXX. \n\nYou are receiving this email because you signed up for electronic communication through XXXX XXXX, XXXX. If you would like to stop receiving email notifications and resume receiving paper copies of your account documents, you XXXX change your delivery preferences once you are in your online account. \n\nThank you, The Launch Servicing, XXXX Customer Service XXXX '' At this point, I am asking questions because I had never heard or had an account with any Launch Servicing, so I called the number. Sunlight XXXX never disclosed any such information or a transfer of the account to me about any intent to have a XXXX XXXX handle the installment payments. Neither did I consent to such a move or transaction. I had no choice in the matter but had to continue to pay to keep my credit report in good standings. Now, as a result of the unbeknown transfer, on my credit report it shows I have XXXX separate accounts for the original installment XXXX XXXX XXXX XXXX XXXX for XXXX XXXX transaction. The impact is and has an erroneous affect on my credit worthiness as it relates to income to debt ratio! Also, Launch Servicing reps are not any assistance to my cause at all. I reported to them case and argument, first on XX/XX/XXXX with no results until XX/XX/XXXX stating Message about servicing XXXX, The email that was sent on XXXX \" Hello XXXX XXXX, Please see attached XXXX letter XXXX issued in XXXX. We understand you XXXX be experiencing some issues with the performance of your system. However, Sunlight XXXX is not responsible for maintenance of the solar system. If damages have occurred or an item needs to be addressed, we recommend reaching out to your systems manufacturer, or a solar provider in your area to get the item serviced. '' XXXX Customer Service '' Prior to that response, the reps said that should request a postponement of payment form until a solution could be found and arrived at and if the issue isn't solved continue to request the postponement. I did that and it was granted. But here is the kicker, I called be to see what was the hold up on arriving a solution to my case and the rep said that it had been closed so she had to open another case for the same complaint. Also my advised \" file again for a postponement was denied because they said to that I needed to make the request closer to the due date? Wow! I not sure how much closer I should have requested before payment and draft taken place. I am cursed if I do and damned if I don't, huh? This is my plight with this company XXXX XXXX XXXX, XXXX XXXX, & Launch Servicing! All the while my payments have been timely and my part of any agreement made has been upheld to the best of my ability and with integrity. The consumer deserves better!", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/10059162", "source": "cfpb", "group_id": "cfpb/857598601e2e3434d58c", "variant": "clean", "length_bucket": "long", "chars": 11124, "company": "Sunlight Financial LLC", "date_received": "2024-09-08", "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": "857598601e2e3434d58c4ff43622f72803109d18fba6673ba2928d1789d910d0", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I 'm currently preparing to apply for graduate school. I pay my XXXX loans monthly to XXXX and XXXX. On XX/XX/XXXX, I was notified of a hold on my XXXX XXXX University account preventing the release of transcripts when I attempted to have them sent to another school. \n\nI called the following day ( XX/XX/XXXX ) to inquire, and was told by my University that my XXXX loan  was 24 months past due and had been sent to collections. \n\nI was surprised. I had never received a bill for this loan or any contact about it. The university representative explained that my mailing address had been changed twice, which I had not done. She said it had been changed internally. The original mailing address was correct, so I have no idea where anything has been sent for two years. They also had an outdated phone number that has n't been in use since XX/XX/XXXX. \n\nHowever, she said, because I had opted for electronic notification, statements were being sent to my university email account. \n\nHaving been out of school for three years, I retrieved my university email account. I found zero  emails had been sent to me in regards to this loan. \n\nI did receive many emails asking me to sign the exit interview, the most recent from XX/XX/XXXX. I remember these emails because despite having signed it multiple times, it was never processed through XXXX 's poor website. It eventually worked, however XXXX still shows that I 've never signed it. \n\nSo, I used the Live Chat feature on XXXX 's website after reading horrendous reviews about their phone-based customer service. This Live Chat did not answer my questions and, at the end, was edited by XXXX and does not reflect the actual transcript. Below is the transcript, and please note the edits XXXX made to this conversation : Chat transcription : XXXX XXXX XXXX : Hello XXXX, thank you for using Live Chat! One moment please while I access your account. \nXXXX XXXX XXXX : Hi there! Thanks. \nXXXX XXXX XXXX : I have now accessed your account, how may I assist you today? \nXXXX XXXX XXXX : I actually just found out about this account today. Apparently, I 'm two years past due, but have never received a letter, email, or bill in relation to this loan. \nXXXX XXXX XXXX : This account has been assigned to collections and XXXX XXXX  is no longer servicing it. The loan is now with XXXX XXXX XXXX. and you can contact them at XXXX for assistance. \nXXXX XXXX XXXX : Can you tell me why I never received a bill? \nXXXX XXXX XXXX : Did you have a valid mailing address on the account during the time it was with XXXX  XXXX? \nXXXX XXXX XXXX : I don't know, since I never knew about this account. If all information came from my University, then there should have been. \nXXXX XXXX XXXX : Either way, you will need to contact XXXX XXXX XXXX., we can not assist you with this account. \nXXXX XXXX XXXX : I understand and appreciate the phone number. However, I still do not understand why Heartland never contacted me about this loan. If it 's not in collections, which affects my finances, this is a major concern. \nXXXX XXXX XXXX : Now in collections* XXXX XXXX XXXX : The account show bills as having been mail every month to ( correct mailing address was here ) throughout XX/XX/XXXX. \n\nXXXXMy replies, which were not read nor responded to by XXXX : XXXX XXXX : That is the correct address, thank you for checking. However, I never received anything. \nXXXX Sir, Im going to assume youre a real person and not a robot. Ive known about this loan for about two hours, and in that time Ive found a wealth of information online about others who - like me - never received bills in relation to their loans. I dont want the headache of contacting the XXXX or Consumer Financial Protection Bureau, or calling a lawyer. I want information about what methods were used to contact me, and records of them. \n\nXXXXThe next update to the chat erased my previous two messages. XXXX 's responses appeared in the chat transcript with inconsistent time stamps, not in the chat itself. These replies did not appear until the chat had ended : XXXX XXXX XXXX XXXX : Also, late letters and phone calls were issued throughout the year. \nXXXX XXXX XXXX : The account was reassigned to collections in early XX/XX/XXXX. \nXXXX XXXX XXXX : May I assist you with anything else today, XXXX? \nXXXX XXXX XXXX : I do apologize, due to no further response I will be ending the chat. If you are still in need of assistance, please do not hesitate to begin a new Live Chat session with us or you can also contact our office by calling XXXX and any of our representatives will be more than happy to assist you. We are here Monday-Friday from XXXX XXXX-XXXX XXXX Eastern Standard Time in our Call Center and we are available on Live Chat Monday-Friday from XXXX XXXX-XXXX XXXX and also on Saturday from XXXX XXXX-XXXX XXXX. Again, we do apologize we missed you but look forward to assisting you in the future. Have a great day and thank you for using Live Chat! \n\n\nMy concerns are three : 1. XXXX XXXX has a near-unanimous reputation from consumers for being deceitful, difficult, disrespectful, and cutting corners. I do not understand how they 're still contracted to handle student loans by public, government-funded institutions.\n\n2. My mailing address given to XXXX has been my parent 's home for eleven years. That it was internally changed twice to non-existent addresses seems incredibly odd, especially since I received my diploma in the mail without issue. Further, that XXXX in the Live Chat claimed my original address was what they had on file makes no sense. XXXX 's office informed me that XXXX had a different address. Before I could log in to the Live Chat, I had to provide my address. I believe the address XXXX provided during the chat was copied from this form, and they lied. \n\n3. This loan has now been given to another company, XXXX XXXX XXXX, without my knowledge until today. The original balance was small, only {$1000.00}, but now totals over {$1500.00} due to late fees for bills I never received. I received zero  emails, phone calls, letters, bills, or any form of contact. The last email about my loan was as stated earlier, on XX/XX/XXXX, asking me to once again sign the exit interview from XXXX. I have not received any contact from XXXX XXXX XXXX or XXXX about this loan. \n\nI have a major ethical issue with so many universities across the country using this universally detested and shady company for collecting on debts. Yes, collections agencies get a bad reputation. But what XXXX  XXXX has done to many consumers, including myself, is wrong. They are clearly comfortable making continuous clerical errors in order to turn profits off of fees. I was shocked to see the Live Chat transcript edited so heavily, but after reading dozens and dozens of stories about this company I 'm no longer surprised and simply disappointed in my university for using this company in the first 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": "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/2773528", "source": "cfpb", "group_id": "cfpb/ff24640a50dc529a781e", "variant": "clean", "length_bucket": "long", "chars": 6921, "company": "HEARTLAND PAYMENT SYSTEMS INC", "date_received": "2018-01-05", "product_raw": "Student loan", "issue_raw": "Dealing with your lender or servicer", "sub_issue_raw": "Received bad information about your loan", "text_sha256": "ff24640a50dc529a781e9515fb44f2bb84221c49fce46a9063294dea76c0edbb", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make 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": "debt_collection", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/3152977", "source": "cfpb", "group_id": "cfpb/5a5ba2bd3b0a6b241fad", "variant": "clean", "length_bucket": "short", "chars": 904, "company": "Firstsource Business Process Services, LLC", "date_received": "2019-02-15", "product_raw": "Debt collection", "issue_raw": "Threatened to contact someone or share information improperly", "sub_issue_raw": "Talked to a third-party about your debt", "text_sha256": "5a5ba2bd3b0a6b241fad851be38259a1ea8e9b6b0724f62a553fc5379f68fb9f", "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 report what I believe is wrongdoing by XXXX XXXX   and to ask for assistance. I am part of what is called the Public Service Loan Forgiveness program but have, over a number of years, found that the company makes it very difficult to make payments \" count '' towards the requisite 120 payments needed for loan forgiveness. This is not to mention other programs I've been a part of over decades now which have promised forgiveness after ten years, etc. and then punted my loan down the road only to have to qualify for another such program.\n\nWhen I applied for the PSLF, I obtained the required Employer Verification and started paying through this program. I have taught at XXXX XXXX XXXX XXXX, a XXXX, XXXX XXXX recognized employer, for over 25 years. I have far exceeded the XXXX qualifying payments in my public service, making on-time payments over decades. \n\nAs for this particular program and its eligibility, I have been told on more than one occasion, that I qualified for the PSLF program and my Employment Verification was up to date. A few years ago I called again to make sure that payments were qualifying and was told no, that I was enrolled in the wrong payment program and that none of my payments count towards the PSLF. To date, I have accrued only XXXX qualifying payments. And today I discovered that because I failed to re-certify my XXXX XXXX XXXX XXXX, my current payment will not count either. I have been making qualifying payments for the last few years ( let alone the last 20+ ), how could they not count towards the PSLF? I wonder if there is a class action suit against this entity yet for people who are doing all they can to qualify, certify, etc. for a plan that, at every turn in the road, seems to be nearly impossible to achieve? It makes me wonder if XXXX XXXX  XXXX is actively making sure that borrowers will never be given loan forgiveness under this program. Here are just three examples of how these unfair practices are making sure that millions of people don't every repay their student loans : 1. Today I spoke to a very helpful operator who ( finally ) informed me that the XXXX XXXX XXXX XXXX XXXX should be submitted every year, 90 days before the deadline. I have NEVER been told this before but have been aware that at some point my account seems to be kicked off of the right type of repayment plan and to another one making me ineligible for the PSLF. \n2. That if I pay even a bit more than my PSLF requires ( wanting to offset the crazy interest I am accruing ) my PSLF payment will not qualify. So I am penalized by wanting to pay more. How would I EVER know this? \n3. The Employment Certification policy is murky at best. I've been told to fill one out and send once a year, or just every couple of years. And, the way to even find the form is confusing not to mention that the form itself VERY closely resembles the wrong form - the application for forgiveness. \n4. The fellow I spoke to today also informed me that sometimes the computer splits payments making it appear that I/people didn't make a PSLF qualifying payment. \n\nIs there anything that can be done? I am at my wits end, I have worked for an eligible organization for 25+ years, doesn't this count for anything or am I just to be at the mercy of this administrative, bureaucratic, fraudulent system? Is there a such thing as retroactive qualifying payments? Do I have to comb through the system trying to find whether the computer has split a payment thereby disqualifying my payments? \n\nThank you for your attention and for your time, it is truly appreciated.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/3199440", "source": "cfpb", "group_id": "cfpb/2ea6c4e5e46539898540", "variant": "clean", "length_bucket": "medium", "chars": 3619, "company": "AES/PHEAA", "date_received": "2019-04-02", "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": "2ea6c4e5e465398985403600e42de5f7e4a198c1b4ca72648af88d4f1566264d", "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 made a payment of {$1500.00} on my BMO Harris Bank credit card, by check from my XXXX XXXX checking account. While the bank deducted the sum from my bank checking account, they did not deduct that amount from my credit card statement. \n\nI called them and then wrote them on XX/XX/2021. In XXXX, I received a letter asking me to call them, which I did. I was told that someone would get back to me. In XXXX I wrote to them again. To date, I have heard nothing else from them. \n\nThe matter has yet to be resolved in my XX/XX/2021 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": "making_payments", "src": "cfpb_issue_card"}}, "_meta": {"id": "cfpb/4941158", "source": "cfpb", "group_id": "cfpb/f9834faea1a07733ddd4", "variant": "clean", "length_bucket": "short", "chars": 554, "company": "BMO Bank, N.A.", "date_received": "2021-11-23", "product_raw": "Credit card or prepaid card", "issue_raw": "Problem when making payments", "sub_issue_raw": "Problem during payment process", "text_sha256": "f9834faea1a07733ddd432c6574d6cded7c0b81bebaec9a066149926a21286f8", "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 XXXXXXXX XXXX XXXXXXXX XXXX I am a victim of a XXXX XXXX, XXXX, and XXXX. The federal government is involved in entrapping me into a death trap along with the state and local agencies and are trying to cover it up. They electronically harassed me for over a decade and entrapped me into bad positions time after time. I am now married and have children so they are now causing marital issues and XXXX my children and are being held for XXXX. This is a XXXX XXXX and XXXX committed by the United States of America and Comerica Bank. This is XXXX and XXXX. You individuals and entities are now gambling with my families future and lives. XXXX XXXX the XXXX can steal money from my safety deposit box and change the key lock XXXX degrees just to give me a XXXX XXXX and hurt me financially and cause me life long XXXX XXXX. Now XXXX XXXX the XXXX wants to file a restraining and protective order on me? What kind of bank is this? I had to change my safety deposit box from box number XXXX to box number XXXX. If you didn't know then now you know that branch should be demolished along with the employees to never be allowed to work in the financial fields or banking center ever again. I go to the hospital for a XXXX XXXX because I have irregular XXXXXXXX XXXX  because of this bank Comerica in XXXX XXXX and the hospital lies to me and tells me it's just chest pain and proscribed XXXX. What I need is XXXX treatment because the nurse told me it was irregular XXXX XXXX. So this is considered attempted XXXX. I know several people who have XXXX or have serious health issues due to the same problem you caused me. Why I'm not dead I don't know. These individuals and agencies believe they can just block my game winning touchdown and murder me well they are wrong. I'm coming after everyone and everything. I am asking for XXXX XXXX dollars or people will pay for what they did to me and my family and I can guarantee that XXXX XXXX. I'm from New York and I learned this lesson a long time ago. Never let anyone block your game winning touchdown no matter the consequences or repercussions may be. So I will be taking Comerica Bank all the way to the Supreme Court myself if I have to and I will bring XXXX on the XXXX and employees at Bank. My advice to you is shut that branch down and pay me my money. That's the bottom line. XXXX failed to protect me as a customer. He also failed to protect the bank and everything attached to that branch including individuals and every entity involved. \n\nIn the mean time I would like XXXX XXXX XXXX XXXX and the XXXX police department and all federal, state, and local agencies to cease and desist all operations immediately for discrimination and hate crimes. You will be getting a legal cease and desist and also a restraining order from my attorney. Until then stop all illegal entrapments and the violations of the constitution and civil rights. Please confirm receipt of this message. XXXX XXXX XXXX XXXX has been accompanied by other individuals to target me and my family in an attack and conspiracy at or around the date XX/XX/XXXX at Comerica Bank in XXXX and the bank XXXX XXXX XXXX tampered and XXXX money with my safety deposit box to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and cause financial damage to my family during this XXXX pandemic. Why is this special agent stalking us and why they is she approving illegal activity for these individuals are not federal agents nor do have our permission to electronically XXXX  us and set death traps during this pandemic. I have a clean criminal record. This has caused us to have XXXX XXXX and high anxiety. These individuals are pretty much impersonating a special agent. They do not have special agent badges and they can not be involved in illegal activity that harms us. My family would like to gain a cease and desist order from these individuals and then file a law suit against them. Thank you please call me at XXXX and email me at XXXX you can look up all my banking and investment history with my social which -- -- XXXX and date of birth XX/XX/XXXX and legal name 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": "managing", "src": "cfpb_issue_bank_account"}}, "_meta": {"id": "cfpb/5335521", "source": "cfpb", "group_id": "cfpb/5e127c2cf6a2e52f7d03", "variant": "clean", "length_bucket": "long", "chars": 4110, "company": "Comerica", "date_received": "2022-03-17", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "5e127c2cf6a2e52f7d03c71524878f3d1e36e82bd3186831f99f9e5377fda813", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after 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": "bank_account", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/1579858", "source": "cfpb", "group_id": "cfpb/e66e8f64cbed6cc28986", "variant": "clean", "length_bucket": "short", "chars": 664, "company": "PNC Bank N.A.", "date_received": "2015-09-25", "product_raw": "Bank account or service", "issue_raw": "Deposits and withdrawals", "sub_issue_raw": "", "text_sha256": "e66e8f64cbed6cc289866f70f3d0c5a33cec6622e5a8c8348c424253fabb6815", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported 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": "personal_loan", "src": "cfpb_product"}}, "_meta": {"id": "cfpb/2372702", "source": "cfpb", "group_id": "cfpb/bb90af81443900bb729b", "variant": "clean", "length_bucket": "short", "chars": 277, "company": "Populus Financial Group, Inc. (F/K/A Ace Cash Express)", "date_received": "2017-03-06", "product_raw": "Payday loan", "issue_raw": "Applied for loan/did not receive money", "sub_issue_raw": "", "text_sha256": "bb90af81443900bb729bc6cf1de46af21d82658bfa260b6e1498030a0f0c3928", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "CREDIT CORP SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I checked my XXXX credit reports and found an assumed collection account XXXX @ {$260.00} with CREDIT CORP SOLUTIONS 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 XXXX 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 ( XXXX ) a statement that unless the consumer, within XXXX 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 XXXX days allotted. After receiving my response letter with receipt, t\n\nhis 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. My credit reports also show that CREDIT CORP SOLUTIONS 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\nreports. 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 CORP SOLUTIONS 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 XXXX 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/8600330", "source": "cfpb", "group_id": "cfpb/ac33f59e7632f98dfb35", "variant": "clean", "length_bucket": "long", "chars": 4450, "company": "Credit Corp Solutions Inc.", "date_received": "2024-03-21", "product_raw": "Debt collection", "issue_raw": "Written notification about debt", "sub_issue_raw": "Didn't receive notice of right to dispute", "text_sha256": "ac33f59e7632f98dfb35bbe8b5b1e41407090ada782dd33970e29762a60a5716", "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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.\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. \nPlease investigate if every piece of information is correct. If not, please remove it from my credit report. \n\nXXXX there is some inaccurate information reporting. \nXXXX Account XXXX : XXXX Delete this account. \n\n\n2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. \n\n\n3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. \n\n\nXXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nXXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n\nXXXX there is some inaccurate information reporting. \nXXXX Account XXXX : XXXX Please remove it from my credit report. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX MOTOR Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. \n\n\nXXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Delete 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"}}, "_meta": {"id": "cfpb/8648039", "source": "cfpb", "group_id": "cfpb/c4af489dee8e967b8d8b", "variant": "clean", "length_bucket": "long", "chars": 4679, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-03-28", "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": "c4af489dee8e967b8d8b9a4469515937e97b2e803de9388aedcabaf6daa9d67e", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "I made a purchase on XXXX for a XXXX XXXX  and paid using Paypal. The item I received from XXXX was obviously a counterfeit item, and not an authentic XXXX. I requested a return through XXXX, but was notified that the seller was actually a third party merchant who was selling through XXXX, but not actually XXXX ; and therefore, I can not return the item to XXXX and had to arrange a return through the actual merchant. However, that merchant ghosted and does not have valid contact information posted anywhere. \n\nI disputed the transaction for fraud through Paypal ( Case ID XXXX ). After Paypal 's review process, I was told to mail the counterfeit item back to XXXX ; however, the address provided by paypal ( which I had to upload tracking information for ) was not a street address. The return address provided by Paypal was : \" Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, United States '' Following the www address just leads to a blanked out contact information of the third party merchant. I called Paypal no less than 3 times and sent numerous correspondence regarding this issue ( which according to the customer service representatives was acknowledged and documented ) and submitted screen shots of what's behind the www address that Paypal sent, to prove that there was no return address. \n\nRegardless, PayPal closed the case and derailed any derailed an appeal ( opened by their phone CS team ), since \" it is [ my ] responsibility to return the item '' and that they were complacent in allowing the fraud to occur unless \" i can prove that I returned the item ''.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/2846380", "source": "cfpb", "group_id": "cfpb/4bcbb5558ede3b0fb37c", "variant": "clean", "length_bucket": "medium", "chars": 1597, "company": "Paypal Holdings, Inc", "date_received": "2018-03-18", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Fraud or scam", "sub_issue_raw": "", "text_sha256": "4bcbb5558ede3b0fb37c98015891da74f18b1d07c0d08d0b8f4f1da9ca2bdbc7", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}
{"state": "XXXX, TRANSUNION, and XXXX have all violated the Privacy Act of 1974, the FCRA, as well as me the consumer I have notified all XXXX corporations of this matter and they have still not yet complied which now puts all corporations under willful non compliance and puts them into civil liability being that I have already filed multiple disputes and complaints with the CfPB. I urge XXXX TRANSUNION, and XXXX to do their utmost due diligence and remedy this situation and stop violating my consumer rights and privacy as well as federal laws and codes. Under the Privacy Act of XXXX Important Definitions ( XXXX ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports The Privacy Act of XXXX then goes on to state : ( 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 ( XXXX ) to a consumer reporting agency in accordance with section XXXX ( XXXX ) of title XXXX. \nAgain they need prior written instruction of the individual to whom it relates. Which EXERIAN, TRANSUNION, nor XXXX never had my consent and surely not my written consent. \n\nAny and all consent to XXXX, TRANSUNION, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. \n\nSection XXXX ( XXXX ) of title XXXX States ( XXXX ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of XXXX ( XXXX XXXX. XXXX et seq. ), the head of an XXXX, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( XXXX ) the head of the agency has established procedures to ( XXXX ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way XXXX, TRANSUNION, and XXXX have violated not only the Fair Credit Reporting Act but also the Privacy Act of XXXX There are also OPT OUT LAWS in place to further protect the privacy of consumers. \nPART XXXX - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. \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 : ( XXXX ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( XXXX ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) 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 XXXX, XXXX, and XXXX. \nEvery company owes the consumers a privacy notice before they furnish any information to our consumer report. \nThe XXXX says under 12 CFR 1016.4 Initial privacy notice to consumers required. \n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( XXXX ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( XXXX ) of this section; and ( XXXX ) 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. Section ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( 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\n15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. As you can now understand the reporting of this account to my consumer report is not only a violation of FCRA and privacy act of XXXX but the LAW as well laws that were put in place to protect any information about a consumer that the consumer wishes to keep private and away from public record. XXXX, TRANSUNION, and XXXX have violated these Acts, Laws and Codes that were stated in this complaint and have been repeatedly put on notice about this matter. If XXXX, TRANSUNION, and XXXX continue to refuse to delete this account from my consumer report they will now be under civil liability due to the fact I have already informed all XXXX corporations of these matters and they have not yet complied with LAWS CODES and Acts they agreed to adhere in order to conduct business. \nI the consumer have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after I notify them. They have given me unreasonable means to opt out so I have had to write my own CFPB complaint directing them to stop reporting this account related to XXXX in accordance with the laws, acts, and codes listed above. Lastly XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and TRANSUNION, are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that \" A consumer XXXX exercise the right to opt out at any time. '' I am opting out of XXXX reporting services.", "questions": {"product": {"type": "choice", "instructions": "Which kind of financial product is this complaint about?", "criteria": {"credit_reporting": "Credit reports, credit scores, or credit repair", "debt_collection": "Collection of a debt", "mortgage": "A mortgage or home loan", "bank_account": "A checking or savings account", "card": "A credit card or prepaid card", "student_loan": "A student loan", "money_transfer": "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/8854135", "source": "cfpb", "group_id": "cfpb/e502c7e39306f33d712b", "variant": "clean", "length_bucket": "long", "chars": 6725, "company": "TRANSUNION INTERMEDIATE HOLDINGS, INC.", "date_received": "2024-04-25", "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": "e502c7e39306f33d712b498239fdb82da6736b495d6ea88a55d6e6a2ee4e5443", "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 I recently purchased a cashiers check from the XXXX and XXXX location in XXXX De, the fee was {$8.00} the amount was XXXX written out to XXXX XXXX  I was informed I needed 2 separate cashiers check to go back to chase I went Tuesday XX/XX/12 the same teller had me sign the cashiers check her manager XXXX whos the branch manager came over wrote on the check not used for intended purposes and told me my funds would be available the next day. Today is that the funds are not available I was told to call XXXX option XXXX cause it was hold on the cashiers check they would remove it, I waited on hold 1hr and the representative got back on and said my account is being restricted and closed not sure no answers and the branch hasnt returned my call. These funds was for me to close on a property yesterday and I really need the balance no one could give me any reasons and at this point I just want my funds released and to be done with chase. I was at the Branch on Tuesday for 40 min while the branch manager XXXX attempted to assist me and today I spent an hour on hold to be told My account is being closed. Please help this is holding my funds hostage. \n\n\nXXXX XXXX Sent from XXXX for 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/4804538", "source": "cfpb", "group_id": "cfpb/4a8de577b0de2b1ec2ee", "variant": "clean", "length_bucket": "medium", "chars": 1222, "company": "JPMORGAN CHASE & CO.", "date_received": "2021-10-13", "product_raw": "Checking or savings account", "issue_raw": "Managing an account", "sub_issue_raw": "Banking errors", "text_sha256": "4a8de577b0de2b1ec2ee5b5f1f7c5cac3339add103d6e0ca46e5976bd13c7ef9", "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 opened a PayPal account and on the XXXX of XXXX my funds I program to my PayPal cash direct deposit was received and I was notified sum of {$1200.00}, almost immediately even while still expecting my PayPal card which after I received havent being able to activate due to the closure I need this sorted and my PayPal released so I can have access to 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"}, "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/4284666", "source": "cfpb", "group_id": "cfpb/8be7326dd8344fd40789", "variant": "clean", "length_bucket": "short", "chars": 379, "company": "Paypal Holdings, Inc", "date_received": "2021-04-09", "product_raw": "Money transfer, virtual currency, or money service", "issue_raw": "Managing, opening, or closing your mobile wallet account", "sub_issue_raw": "", "text_sha256": "8be7326dd8344fd40789eed8315e04540dffd1322d8dc73abc8b5908c4be9149", "provenance": {"source": "CFPB consumer complaint database", "via": "hf:davidheineman/consumer-finance-complaints-large@44cfa170a402e254407470275ce05d7dcaccde30", "rights": "US government work (public domain)"}}}