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niladrishekhardutta
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test

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train · 10k rows

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I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Greetings! In accordance with the Fair Credit Reporting act XXXX Account numbers below are in strong violations of my consumer rights. XXXX XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX {$51000.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} To my understanding, in 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 that A consumer reporting agency can NOT furnish any account without my written instructions to do so. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: Macy 's Credit Collection department started calling me on a new account that was just established 3 weeks ago. Macy 's started calling my phone on Saturday XX/XX/XXXX and according to them the account today Sunday XX/XX/XXXX is only 8 days past due, so when they started calling me on XX/XX/XXXX the account was only past due by 1 day. I opened the account three weeks ago and I pay all my bills on the XXXX of every month or generally the weekend before. Macy 's doesn't know this ; but they are calling me over 12 times per day and the first calls start as early as XXXX XXXX ( as the call on Thursday XX/XX/XXXX ). They are calling with a blocked or unidentified caller id and while that is not against CFPB or Collection regulations ; the FCC suggests that no one answer blocked, unidentified calls or even calls from numbers you do not know who they are because of scamming and bad people. So what about any of these practices are good. Macy 's credit collection practices are breaking collection guidelines by calling more than 4 times per day and calling before XXXX XXXX during the week. This morning the calls started at XXXX XXXX according to my caller ID. I want this account paid in full and cancelled and I will never - ever shop at Macy 's again. XXXX XXXX XXXX {"issue":"Communication tactics","sub_issue":"Frequent or repeated calls"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I want to file a complaint on my credit card Discover for being dishonest and for not following through with how they were going to help me a Bait & Switch merchant ; they ( Discover Card ) basically conned and lied to me. I called and made a dispute on a television to Discover that I decline to accept when I got a receipt on free shipping I made online through a merchant but 2 hours later I got a call from the TV merchant they wanted to add {$380.00} more for shipping, I said cancel order right now and they would not but they call me ( the merchant ) to ask if I would approve to {$380.00} I said no but I called Discover Card to report the matter that I declined a TV purchase as I provided them a receipt stating I had the actual price on the item and not the price I was charge on my Discover card. Discover said ok, well investigate the matter and they appeared to believe I was telling them the truth but 2 weeks later, I look on my Discover account ( as Discover never notify me too ) and noticed they reverse the charge back on my account. They said I agreed to the charge and I said no I didnt, I send read the receipt, it says free shipping and I said I decline to accept order to the merchant but Discover said this and that but then they denied me they said they would step in to go after shipping fees and or trying to return the item since I gave them information they stated on the merchants website, they would take returns on a certain size ( Discover lied and didnt ) and they also told me that since I was unhappy with the outcome, they would give me a courtesy credit of {$500.00} ( Discover lied on that too ) Discover said we could call the merchant to ask them to take the TV back as I said they have information on their site stating but Discover card didnt do that either. I found it interesting when I spoke to the first person who took my information over the phone on my dispute and 2 weeks later, I spoke to another Discover claims person who wasnt helpful nor would she read the notes on my dispute to admit what the first Discover dispute person told me otherwise. The woman was basically denying me everything on my case and said we could offer you {$500.00} since your unhappy with Discovers decision but I never got the either. I reputably told the second woman at Discover that I said I dont think you understand what the case was told to me 2 weeks before, what Discover was going to do on this matter and your telling me a different story, I said read the notes. She said she did but was telling me a whole new story that if I had more evidence and we are not going to that the shipping fees into account either we promised you ; it was like I was being lied to the whole time. Discover had ignored the facts in my dispute that I canceled an order from a merchant who has a horrible customer rating online as I told Discover, read the facts I send on my case, I provided all the information on hundreds of 1-star reviews of people being ripped off etc etc besides my receipts, shipping label and emails I had on file. What I want is a complete refund, I was completely mistreated by Discover card disputes department but also lied to by their people on what they were going to do, they didnt do. Seriously, why would I use my credit card for protection on this matter, I thought I had confidence Discover would be there for me if I had a problem with the merchant but in this matter, Discover was not help and in fact I think they wanted the merchant to get their money so Discover could get interests from my credit for example because they had the facts right in front of them, plain and simple but they mislead me. On top of this matter, I am ready all the online reviews on Discover and its all negative information so its my view I am dealing with a credit card that mistreats their customers on so many matters that I have a reason to file my complaints because I am not alone on this matter. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: Chase closed all of my credit card accounts after reviewing my credit report. They said I have too many new accounts opened and too many recent inquiries, even though almost all of my new accounts shown are authorized user accounts on which I am not the responsible card owner. I have never defaulted or missed a payment with Chase or any other bank and I never carry a high balance on any credit card. I also have {$15000.00} in a Chase savings account and an auto loan with Chase. {"issue":"Closing your account","sub_issue":"Company closed your account"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Private student loan User complaint: XX/XX/2020 XXXX was added to my payment balance. XXXX this amount was said to be refunded. My total amount due has gone up and not assessments have been made. I have not added any private student loans in many years this account was consolidated private student loans. I have called the leader to try and get it taken care of they are not working with me. They have not adjusted the amount or tried to assist. Someone is scamming me. {"issue":"Getting a loan","sub_issue":"Fraudulent loan"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: Today XX/XX/XXXX at XXXX XXXX I found out they are trying to collect {$90.00} dollars from a bill that dates back to XXXX and they know it but still harass me. I asked them to stop calling and that 9 years have passed the agent tried to collect while I was on the phone again. So, I told him that I will contact you and hung up. They've been harassing me since XXXX by phone calls and posting the {$90.00} dollar on the XXXX XXXX application I don't know how they are doing that. This is an old bill that is passed the 7 year mark. I want them to take it off the app and stop harassing me. The name of the bill collectors is CBE Group their number is XXXX. These folks are tricksters no ethics they need to be closed down. These agents are probably doing this to all customers that have XXXX XXXX names, thinking that they don't understand English and their rights as a consumer. How many people are they harassing?????? I want them to take it off my credit report! Also to stop calling me, and to stop posting it on the XXXX XXXX app that I use for my medical services. {"issue":"Communication tactics","sub_issue":"Frequent or repeated calls"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Virtual currency User complaint: The company is coinbase pro that serves as a wallet and portal for cyrptocurrency. Without notice, Coinbase upgraded it's security protocol that required two factor authentication using a cell phone number. When myself and many others tried logging in, we were unable to access our funds because we had not setup cell phone numbers within our accounts. I have sent numerous correspondences with my Govt. ID and other verification documents but they won't respond ( beyond automated responses ). {"issue":"Money was not available when promised","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Federal student loan servicing User complaint: A payment of XXXX was not applied to my highest balance/highest interest rate loans. Loan sequence XXXX and XXXX should have been paid down/off, but instead they paid down XXXX and XXXX. XXXX of which were the lowest interest rate. {"issue":"Dealing with my lender or servicer","sub_issue":"Trouble with how payments are handled"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX {"issue":"Incorrect information on your report","sub_issue":"Personal information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XXXX XXXX original creditor XXXX XXXX - continues to report to Experian and XXXX a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late an open-end consumer credit plan as late for any purpose. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: On XX/XX/2019, COMPLAINTANT had applied for one of Wells-Fargo 's credit card products using online and phone calls. It was denied with reason " Identity can't be verified '' and representative ( s ) recommended visiting local branches nearby to complete this application. However, an application using identical name/address/SSN was granted credit line ( cards delivered ) with a different bank or had identity verified for leasing other merchants ' services without having to visit a branch or run into " Identity can't be verified '' problem. COMPLAINTANT asks that Wells-Fargo look into how this has occurred, as other applications pertaining to credit reports processed through major credit bureaus usually do not produce such results. It seems like a possible internal error within Wells Fargo. Though COMPLAINTANT recognizes and acknowledges Wells-Fargo 's right to refuse to service to anyone for any reason ( as long as it doesn't pertain to discrimination based on age/religion/gender/nationality ), COMPLAINTANT will retain the assertion to describe Wells-Fargo employees as having bias against the COMPLAINTANT, thus required unnecessary authentication procedures beyond what's already available, something they do not require onto others. Wells-Fargo can feel free to show that other applications were also rejected and had asked those applicants to visit a local branch for something that can be done online ( on the same criteria used against the COMPLAINTANT to have him visit a local branch ). {"issue":"Getting a credit card","sub_issue":"Application denied"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: Marital Home was foreclosed on in XX/XX/XXXX, and the time of the foreclosure my now ex husband and I were in the process of divorce. In XX/XX/XXXX, the ex was given the marital home with order to pay all financial responsibilities on the home. Despite calling XXXX XXXX to update my address, I was never provided with any information regarding when the loan was defaulted on, remedies which were being discussed between my ex and XXXX XXXX, any updated information about the foreclosure or any information what took place during this process or how to find out about anything on the loan for which I was responsible. Furthermore, I later discovered the ex withdrew my name off of the Homeowners Insurance policy prior to the divorce and added his son on the policy with XXXX XXXX. I also later learned that XXXX XXXX paid my ex a sizeable amount to vacate the premises and give up the keys to the home in return for his Right of Redemption. However, none of this information was ever discussed with me and I only found out the Home was actually foreclosed on in a subsequent divorce hearing in XXXX County Family Court. In addition, Ive had to answer in court process to XXXX XXXX for the HELOC Loan which was also secured by this Home. XXXX XXXX has had zero problems in reaching me by phone and mail, which it has sent documents regarding this lawsuit against me, which is currently in ongoing lawsuit. However, Ive yet to receive any information again regarding the information described above in 1st lien for this debt. The ex had the financial ability to pay both of these debts, however simply choose not to pay to ruin my credit, make sure I received no equity or the possibility of securing the home later. XXXX XXXX also changed both monthly bills addresses for the 1st lien and the HELOC lien to my exs company address, which was conveniently hidden from me. While I understand Regions Mortgage can not be held responsible for my exs lack of communication, I am appalled something like this is allowed to happen without any consideration of my input when I too was responsible for the Note. {"issue":"Trouble during payment process","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: This complaint is related to complaint XXXX that was listed as closed but is not closed. I spoke with a representative of XXXX XXXX to discuss that my PMI was not being removed. They very quickly stopped charging me PMI but the lady said i would be getting a refund of approx {$600.00}. I got a check directly from the mortgage insurance organization of {$270.00} but I have not received the rest. I have called the lady back several times and left voicemails and she is no longer returning my calls. I have been chasing up with her for over 2 months now to have no resolution. {"issue":"Trouble during payment process","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! Delete reported data NOT certifiably COMPLIANT XXXX XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. The other documents are attached to the previous compliant.XXXX {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Mortgage debt User complaint: I have several concerns about how my mortgage company has addressed my application for COVID relief and their follow-up in the months after being told I was approved. My account has always been in good standing, I've never had a late payment. I experienced job loss due to COVID and contacted them in XXXX to ensure I could continue to maintain my account good standing while I worked on securing other employment. I even continued to make payments during my COVID relief forbearance period. Please see the issues outlined below : XXXX ) False and inconsistent messaging about COVID relief process and repeatedly delaying approval -- - In XXXX I contacted Lakeview Loan, my mortgage company, to apply for COVID relief due to job loss. I called after the first of the month so my mortgage was technically late at the time. Instead of sending my application through they made a note in their system that my mortgage was not late and so I was not approved. When I contacted them to get clarification the customer service rep confirmed this was NOT the standard process and also advised that approval should never take more than 7 business days. It took over 30 days, multiple calls and ultimately an escalation to a manager to get my approval completed. In addition, each time I called for resolution they had a loan adjudicator contact me directly asking if I wanted to refinance. I felt that they were intentionally delaying my application in hopes I would refinance instead of going on forbearance. This caused a great deal of stress and concern on my part as I was trying to get approval before my company moved forward with eliminating positions. XXXX ) Inaccurate verbal and written communication about the status of my account -- - While I understand that XXXX would send letters notifying me of my balance and past due amounts, I began receiving alarming and false letters shortly following approval for forbearance. In addition, my account did NOT reflect that I was approved for COVID relief despite being told over the phone that my approval had been extended through XX/XX/2022. I had to contact XXXX several times via email and phone to get my account updated accurately. In short, the letters stated I had ignored their requests to have a face to face meeting about my past due balance. Other letters warned that my property may be subject to inspection and that I would be responsible for the associated fees. When I called to inquire about the letters above customer service at XXXX advised that they didn't know why I received the letters and this must have been " a mistake ''. XXXX. Deceptive debt collection practices -- -- I continued to receive letters in XXXX and XX/XX/2022 ( after I was told these letters were sent in error ). These letters didn't just state I owed a balance, what concerned me is that they still contained information indicating that I'd not responded to their offer for a face to face meeting or other attempts to resolve my account. It also said my account was now " in default ''. I called XXXX last month to once again attempt to get clarification. The person I spoke with in their debt collection department told me that these were " just informal letters ''. I know that no letter about a debt owed is ever " informal '' and it's extremely alarming that they would attempt to mislead me in this way. I feel very suspicious of this company 's intent and the way they handled my account. I am writing in hopes to get accurate/consistent information once and for all, to ensure the safety of my home and account standing, and protecting other consumers from their deceptive practices. I want Lakeview Loan to be held accountable for providing CONSISTENTLY accurate information about mortgage accounts. I can not believe anything they've shared because each letter or verbal communication from them contradicts itself. {"issue":"False statements or representation","sub_issue":"Told you not to respond to a lawsuit they filed against you"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: Portfolio Recovery is calling my house at all hours of the day/night. I do not owe a debt to anyone. I have told numerous representatives on numerous times that they have the wrong phone number. I chatted with a representative online who said my phone number would be removed from the list. They called me again, at XXXX tonight, XXXX days later. They are harassing me!! {"issue":"Cont'd attempts collect debt not owed","sub_issue":"Debt is not mine"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: A bad report was listed under XXXX Credit Score. We disputed with XXXX. We contacted the filer of the report, Credit Control Services ( or according to person the actual name is Credit Collection Services ). XXXX report shows entity name as Credit Control Services. Were told the initial collection request came from XXXX XXXX and XXXX XXXX. We contacted XXXX XXXX and XXXX, they showed no policies for us that had any collection attached. We then contacted Credit Control Services ( Credit Collection Services ) again who stated that the birthday and home address were not the same as they showed for the collection.However, it was put on our credit report. We have been speaking with XXXX agent who stated we should file either a police report or complaint to you for additional supporting documentation. Also, we have never received any notifications from XXXX XXXX and XXXX or from Credit Control Services. Thank you {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: in accordance with the Fair Credit reporting act. The List or accounts below Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 : XXXX, 2 : XXXX XXXX, 3 : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Private student loan User complaint: On XX/XX/XXXX XXXXsomeone tried to open up a fraudulent loan under my social security number at college Ave and XXXX I notified them that it was not me in the account was fraudulent and ask them to send me documentation to prove that the loan had been terminated in which I called on the XXXX XXXX XXXX XXXX trying to obtain documentation in which I have not received any and the company is not helpful whatsoever trying to clear up this fraudulent matter knowing that I'm the victim {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Federal student loan debt User complaint: Hi, I am writing this letter/notice of complaint because I feel that there are companies and agencies that are falsely impersonating U.S. Government agencies and personnel and as a result are and have fraudulently taken advantage of U.S. citizens such as myself. On XX/XX/XXXX, I was on the world wide web just browsing when I saw a Student Loan Relief Program ad and it was mentioning having a program that could assist people with consolidating and possibly eliminating Student Loan debt. The ad had some sort of XXXX number to call to inquire and see if you could qualify. Being I was suffering tremendously XXXX from coping with medical and student loan debt along with other problems, I was extremely curious to learn and discover if I could get any relief with my student loan debt so I called the number the ad listed and spoke to a gentleman whom said his name was XXXX XXXX. Over the course of about 30 mins, XXXX XXXX had asked me all sorts of questions such as my date of birth, social security number, income information, company and field information, household size and more. XXXX told me that based off my income and occupation of working for an agency that services the general public, I met the qualifications for the Student Loan Relief Program. He told me that to sign up for and to take advantage of the program, he would have to run a credit check on me to see if the program would finance me for what they called a service fee for the program but said that all I would have to pay would be {$39.00} a month for 2 years and gave the notion and promise that my student loans would be eliminated. XXXX then said that he would need to send me some documents via email for me to sign along with me sending copies of my paystubs for the past 30 days and I did so. When the email came to my email inbox, I noticed that it was from a two other and separate entities ( companies ) but all documents pointed one another back to the Student Loan Relief Department which to my ignorance and understanding was all the Federal Government. These two companies were the XXXX XXXX XXXX XXXX, and Equitable Acceptance Corporation. Per Equitable Acceptance, they were the company to run my credit for a request authorization and added and opened a line of credit in my name and account for the {$1300.00} that they stated they paid to XXXX XXXX XXXX XXXX to finance me for the program for services. Please note and be advised that to this very day, I have never been able to speak to anyone at XXXX XXXX XXXX to inquire about my case and account. Equitable Acceptance Corporation, however, are the company and agency whom are to this present day of XX/XX/XXXX, are auto debiting {$39.00} from my checking account. Over the course of 2 years, I have called Equitable Acceptance to inquire about the validity and justification of their program and all I get is a bounce around and shift of responsibility back to XXXX XXXX XXXX and the Student Loan Relied Department. Then about a year ago or maybe more, I began to receive emails from a company called XXXX XXXX whom Equitable Acceptance has added to yet another 3rd party ordeal. Representatives from Equitable Acceptance say that they hired XXXX XXXX to come in and handle the document preps for customers whom when recertifications are due. Once introduced to XXXX XXXX about a year ago, that is when I started getting a gut feeling that something was not right and began to feel that my identity, banking information and more was compromised and that I being taken advantage of so I immediately called into the Federal Student Loan contact line to inquire about my loan status. I was then brought to the awareness that what Equitable Acceptance and XXXX XXXX were doing was simply and solely placing my student loan accounts and payments on a deferment plan. My student loan debt amounts have not decreased at all and are very much still present. Just yesterday XX/XX/XXXX I called Equitable Acceptance Corporation to inquire about the length of time I had left before they would seize from auto-debiting my bank account and was told I still had over 18 months left to pay the {$39.00}. I then became utterly and extremely perplexed about what exactly it was that this company was actually doing for me versus to me so I asked for justification and proof and was told I would be mailed the documents showing and proving that Equitable Acceptance did indeed pay XXXX XXXX XXXX XXXX a total of {$1300.00} however I have learned that in situations like this, there is and will never be an actual file that would be provided to me to prove that Equitable Acceptance paid that amount of money on my behalf and are rightly justified in them debiting funds from me. All the while, I would be paying them nearly 5 years and would still have the student loan debt that I began with only the amounts will increase due to the forbearance and interests. Since having all these gut feelings and proof that someone is taking advantage of me by way of government fraud, I have searched the web and the Better Business Bureau to look up information and complaints against the XXXX XXXX XXXX XXXX and Equitable Acceptance Corporation and to my surprise many others have the same story as I do and feel compromised and scammed. {"issue":"False statements or representation","sub_issue":"Impersonated attorney, law enforcement, or government official"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Government benefit card User complaint: I am the XXXX XXXX XXXX XXXX and trying to assist Mr. & Mrs. XXXX in collecting their money from Direct Express. Mr.XXXX is an XXXX year old veteran and has been deemed incompetent by the VA. His wife XXXX has been named his fiduciary. In XX/XX/2011Mr. XXXX began receiving service connection benefits from the VA. He had these funds deposited monthly to a Direct Express Card. Due to his forgetfulness he put the card up and did not tell his wife he was receiving the money. His wife did not realize what was going on until I began to work with them. These benefits have been accruing since XX/XX/2011but XXXX XXXX refuses to give his wife access to the account since she is not on the account. As per their instructions I sent XXXX fiduciary letter, marriage certificate ( wife ), birth certificate ( wife ), NC Drivers License ( wife ), copy of original Direct Express Care and VA payments screens. Direct Express said that was not good enough and hung up..Direct Express requested to speak to Mr. XXXX but he is in a memory facility and deemed incompetent. Direct Express is not willing to help at all!. I even asked how to add his wife to the account and they hung up on me. Any assistance you could give would be helpful. Mr. XXXX desperately needs these funds to pay for his XXXX home care. The VA is unable to assist because the funds were deposited correctly. For additional information you can reach Mrs. XXXX at XXXX {"issue":"Trouble using the card","sub_issue":"Trouble using the card to spend money in a store or online"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/2020 I filed a complaint with CFPB in reference to a tradeline on Equifax which was reporting on my file multiple times ( 4X ) with XXXX XXXX XXXX Account number XXXX. Equifax responded to my complaint on XX/XX/2020. According to my Equifax report this tradeline was deleted from my equifax report as of XX/XX/2020 as you can see from my equifax credit report attached to this file and my XXXX XXXX report on XX/XX/2020 and my XXXX XXXX report on XX/XX/2020. As of XX/XX/2020 Equifax reinstated this tradeline without sending me a 5 day notification. This is clearly a violation of FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers 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. ( ii ) Notice to consumer If any information that has been deleted from a consumers 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. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Was not notified of investigation status or results"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX in regards to a care credit credit card ; the company is claiming there is an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX, 2017. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Payday loan debt User complaint: Someone took my information when I got robbed cause false info to appear on my credit making it hard for me to find opportunities such as leasing getting a car Ive been a victim of identity theft but was took young with little knowledge to file a police report {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the fair credit reporting act XXXX # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a Consumer Reporting agency can not furnish my account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional adjustable mortgage (ARM) User complaint: In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around. {"issue":"Loan modification,collection,foreclosure","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: Back in XXXX fraudulent charges were made to my account. I called Capital one and explained I did not make these charges. They opened a fraud investigation my money was returned however they are claiming the merchant refunded me as well which they did not. The so called merchant was using XXXX as a cover for their activity. Now here it is XXXX and the bank took two withdrawals in the amount if XXXX and after some debating will not put it back. They treated me like I was doing something wrong and now I feel my money is no longer safe with Capital one 360 {"issue":"Managing an account","sub_issue":"Problem using a debit or ATM card"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Non-federal student loan User complaint: Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. please look into this - I would like it removed. This loan has a drop {"issue":"Dealing with my lender or servicer","sub_issue":"Trouble with how payments are handled"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Vehicle loan or lease Sub-product: Loan User complaint: I have an account with Santander ( XXXX ) and have had issues with them non stop. On XX/XX/XXXX, I entered into an payment agreement to pay only interest on the loan for 6 months so that I can have a lower payment. I paid {$250.00} to start the agreement on XX/XX/XXXX and the payment agreed to begin on XX/XX/XXXX was {$270.00}. On XX/XX/XXXX, I made the first payment of {$270.00}, that day it looks like it was reversed. On XX/XX/XXXX, a payment for {$270.00} was made and a payment was not made for XX/XX/XXXX. In XX/XX/XXXX, my car was repossessed and I was told, in order to recover my car, I had to pay everything except for no more than {$250.00} that would assess to my account on the next statement. I paid a total of {$1900.00} for payments since XXXX ( is what I am told ) and fees. On XX/XX/XXXX, an unknown fee of {$380.00} was assessed to the account. No one is able to tell me what it is and clearly, it is more than {$250.00}. I was then told that my next payment would not be until XX/XX/XXXX. I also asked repeatedly for a break down of the {$1900.00} paid at the time of repossession. No one can tell me. I was told they should have collected the repo fees against the {$270.00} payment but, they collected the car with the {$450.00} payments instead of the {$270.00} ( an error confirmed by Santander ) so there should be money left over ... but there isn't. Since my payment wasn't due untilXX/XX/XXXX, XX/XX/XXXX ( per the statement {$780.00} was due- {$450.00} payment + {$330.00} ) I made a payment for {$500.00} for XX/XX/XXXX even though I was still supposed to be under the payment of {$270.00}. I received an XXXX statement stating I was due {$1300.00} ( {$450.00} payment + {$830.00} past due???? and {$76.00} in unpaid fees??? ) what are these late fees and past due balance??? On XX/XX/XXXX I made a payment for {$550.00} and called to inquire on this statement and how the credit report was being reported. How could I be past due so much if I am overpaying AND I " had to pay all fees including late fees at the time of the repo ''?? They told me I was up to date and had left over money for my XX/XX/XXXX payment and they were " fixing '' the issue in accounting, not to worry about it. I did not make a XX/XX/XXXX payment. My XX/XX/XXXX statement indicated I still owed {$1100.00} and all kinds of accounting had been done again ... but not to my benefit. I made a XXXX payment for {$450.00} and received three calls as of XX/XX/XXXX to " explain ''. One was a male who explained he would help me, placed me on hold and disconnected after being on hold for a long time. The other two times I XXXX from the executive offices called ( would not give me her employee ID and stated I could not contact the CFPB and didn't even know who that was ) she would not allow me to ask questions and stated I would not be able to speak to anyone else. When I explained they overcharged me when my car was repossessed because they collected payments for {$450.00} and not {$270.00} she agreed and placed me on hold, never to come back. Before she placed me on hold, I explained, they keep assessed fees that no one can explain, I needed a breakdown of where my money went when I paid for the repo {$1900.00} with the payment of {$270.00} plus a break down of the fees assessed to see if there is money left over. And I need an explanation of the fees assessed since I was told they were all included except for {$250.00}. I feel that this company is super shady and is on a mission to reposes my car. I have over paid on my payments and overpaid when my car was repo'ed and they are saying I am still past due ... .and my XX/XX/XXXX payment is {$550.00}. Please HELP!! This company is out of control!! And the reps don't know what is going on and keep telling me different things!! {"issue":"Managing the loan or lease","sub_issue":"Billing problem"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Domestic (US) money transfer User complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX transferred {$43000.00} to Chase Bank in Florida out of our account.. We were purchasing a XXXX XXXX XXXX XXXX XXXX XXXX. The motorhome did not arrive a scheduled. Called the XXXX XXXX XXXX XXXXXXXX on the the XXXX of XXXX to let them know. They contacted Chase Bank and they put a hold on the money. After several weeks of back and forth with our bank and XXXX they were not given much information at all. This has been going on for months. XXXX XXXX does not communicate with the Freud department at our bank at all. We found out 3 months ago that XXXX XXXX had now moved it to asset recovery. XXXX XXXX XXXX XXXX is unable to talk to anyone in that department to see what the hold up is. They have emailed consistently but do not get a response back that way either. The deputy that took our report has called and talk to the bank as well to let them know he has an open case on this. We still do not have or money back. Can you help {"issue":"Fraud or scam","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have been disputing my Date of First Delinquency ( DOFD ) for XXXX XXXX XXXX for months with Experian. Experian is not correcting it after promising numerous times to remove the information manually. XXXX, a supervisor from the Texas office called me on XX/XX/XXXX and said he was persaonally removing the delinquencies manually right then, and they should take effect within 48-72 hours. A call on XX/XX/XXXX to XXXX, another supervisor from the XXXX XXXX office, said nothing was done and the notes were vague and only read " All concerns addressed ''. I have proof of this from XXXX XXXX XXXX which I am attaching. The DOFD is XX/XX/XXXX and the account was brought current in XX/XX/XXXX. Please correct the DOFD and remove all late payments for this account. XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories. Late payments, called delinquencies, are deleted seven years from the original delinquency date of the debt after which it was never again current ... If you miss three payments in a row, your account would be reported 90 days late. The seven-year period would begin with the first payment you missed in that series. All three payments would be deleted seven years from that date. The date is called the " original delinquency date, '' or sometimes the " date of first delinquency. '' Please correct the date of first delinquency to XX/XX/XXXX and remove all late payments in that series through XX/XX/XXXX. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card Sub-product: Not Available User complaint: I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement. {"issue":"Other","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Vehicle loan or lease Sub-product: Loan User complaint: Regarding : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX. XX/XX/2022 I called to make a one time payment on behalf of a family member for {$240.00}. I specifically, and repeatedly advised their rep to not save my information for future payments, and that is was and one time only authorization. The rep reassured that my information would not be saved. XX/XX/2022 Another charge from this company for {$240.00} goes on my credit card. Unauthorized. The company has refused to refund my money. They have saved MY payment information to collect debt for a 3rd party without permission. This is fraud and unethical debt collection practices. {"issue":"Managing the loan or lease","sub_issue":"Billing problem"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: Please help my account was closed without my permission and Capital One said they couldnt do anything. I have been paying payments every day and have tried to hold this account up so I can fix my credit. This account has been closed without my permission and without my knowledge. All of the sudden one day I just couldnt log into my account. I am trying to buy XXXX presents and this was the only card I had to use and it had available credit for me to use but now they say they cant do anything. Please help I need to buy XXXX presents! Please help! {"issue":"Closing your account","sub_issue":"Company closed your account"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Federal student loan servicing User complaint: Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois. {"issue":"Dealing with my lender or servicer","sub_issue":"Having problems with customer service"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Federal student loan servicing User complaint: I applied for the total discharge due to XXXX. It got approved. But NAVIENT has marked my credit report 90 days late and on the XX/XX/XXXX it will be marked 120 days. My discharge was approved in XX/XX/XXXX. Thanks to NAVIENT. My credit report has DROPPED XXXX POINTS. Plus they are still charging me interest. RIGHT OWN THEY HAVE CHARGED OVER XXXX INTEREST. I have paperwork and emails where my loan was dismissed. This is affecting me buying a house with them continuing marking me late. Please do something. Thank you {"issue":"Can't repay my loan","sub_issue":"Can't decrease my monthly payments"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Payday loan, title loan, or personal loan Sub-product: Payday loan User complaint: This is the 2nd time I had to file a complaint with the same Amscot store. The first time thy tried to deny me the loan and corporate got involved and made them give me the loan.This time they are refusing to enter in my payday and keep entering in the day THEY want me to pay. I told them 2 times that my payday is on the XXXX and the first time she said okay and hung up the phone then they began leaving messages and I found out that she never entered it into the system to begin with. I am trying to pay it off as I have always done ON time but they always try to switch up the actual day of my payday. I am tired of trying to make them do the right thing. Please make management have them enter in the correct day which is the XXXX.They knew this when they gave it to me and eep trying to deny me services once again. this is clearly not right. {"issue":"Problem with the payoff process at the end of the loan","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX I used my Chime debit card to purchase gas at XXXX in XXXX, Missouri. At XXXX XXXX my card was used for a purchase at XXXX 's XXXX out of New York for {$150.00}. At XXXX XXXX my card was used again at XXXX 's XXXX for {$46.00}. Once I realized the charges were made I called Chime and advised them I did not make the charges and they canceled my card and sent a new one. I disputed the transactions and their fraud department almost immediately denied my dispute stating the charges were valid and that they would send me proof of how they came to their conclusion. I responded by sending them information that showed I was in XXXX XXXXXXXX at the time of the charges in New York, the phone number to the dentist 's office I was at an hour before I bought the gas, the address of the XXXX I was at, time stamps from their app showing I bought gas at XXXX XXXX XXXXn XXXX XXXXXXXX so it would be impossible for me to make a purchase in New York at XXXX XXXXXXXX but they have continued to state the charges were valid. I researched XXXXXXXX XXXX XXXX and found that they do not do online orders so it is not possible to order something online to have it shipped to me. I again asked for their proof and was told it would be mailed to me within 10 business days, only to discover it was e-mailed and when I clicked the link to view the information the link expired. I requested the information again and when I got the link this time, the link said I was not authorized to view it. I sent them a screenshot showing this and have yet to hear anything back from them. {"issue":"Problem with a lender or other company charging your account","sub_issue":"Transaction was not authorized"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: This is a on going problem where I asked XXXX bank for a increase on my credit card which I have had for 7 years. All on time payments and almost all my balances were paid early. Well they gave me this song and dance about me giving them all this information which they already have. I explained that after being a customer that long most banks want to raise the limit. Well this XXXX guy XXXX sent me this secure message that they dont do that. I found out accidentally at a meeting with other dav veterans that that exact bank done it for XXXX other veterans. Then in another secure message I was told by another customer service lady that they do give customers a credit increase after on time payments. I was lied to by an employee of this bank and still didnt get my increase. So I am XXXX XXXX off veteran who doesnt accept bs and I need help with this. They did have a guy from their corporate call me but he spoke so low you couldnt understand him. This happened twice I believe. His name was XXXX and I believe they were trying to play me. I am currently on hospice due to my time in service and I would appreciate someone helping with this. If customers cant depend on customer service and lies to them, what is the use. {"issue":"Other features, terms, or problems","sub_issue":"Problem with customer service"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: My name is XXXX XXXX, last 4 of social is XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX, DOB is XX/XX/XXXX and I authorize the Consumer Financial Bureau to submit this complaint and act on my behalf against Equifax Information Services, LLC. On or about XX/XX/XXXX, I requested Equifax verify or delete the following accounts : XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX I attached my proof of address, social security number, and drivers license as required Equifax sent a reply letter back stating that I did not provide sufficient identification, that letter is attached to this complaint. I sent another letter challenging that I did provide sufficient identification, and again provided identification. Equifax then said they were unable to locate a credit file for me. I then attached my equifax credit report to that response, and the identification required. Equifax then sent another response, more than 60 days later, stating that I did not provide sufficient Identification. I responded, attached my credit report again, and the identification, all of which is attached to this complaint. I intend to file suit in federal court if the items in this complaint are not immediately deleted for failure to verify under the Fair Credit Reporting Act upon receipt of this complaint, in damages in excess of {$75000.00}. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Investigation took more than 30 days"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: VA mortgage User complaint: This property has been under contract since XX/XX/2019. On XX/XX/2019 Roundpoint Mortgage confirmed that they have received all documents needed for the short sale review. On XX/XX/2019 we received a counter offer from the investor. The short sale was declined on XX/XX/2019, due to insufficient offer. The decision has been presented to the buyers right away and received a reply that they are going to submit a value dispute. I received the complete supporting documents for value dispute as of XXXX19. They said they are just being held up by the home inspection. I resubmitted the complete short sale package again and the complete supporting documents for value dispute as of XXXX19. Note : the initial offer is {$160000.00}. The buyers counter offer is {$200000.00} along with the supporting documents. Roundpoint Mortgage confirmed that the documents were deemed complete as of XX/XX/19 and it has been forward to the underwriter for short sale approval. The estimated timeframe for the decision provided was a maximum of 30 days. - Weve monitored the file almost everyday for update and to expedite the process as well. See Call notes below for additional information. XXXX19 - No decision yet on the short sale approval as of today. They have just gotten the title back on XX/XX/XXXX. They advised me that it's still under review, and to give them more time since they're reviewing for the Bankruptcy at the same time which has taken a bit longer, together with the uploading and imaging. They added, surely by next week they will have a decision. XX/XX/2019 Called Roundpoint Mortgage via XXXX and spoke to XXXX XXXX ( SPOC ). I asked her if they already have an update on the short sale approval since its been over 30 days already. I explained to her that we were told that the decision will be issued either XX/XX/XXXX or XXXX. She said the file still under review and they are doing their best that they can provide a decision as quickly as possible but at this point, they are still waiting on the investors decision. She also confirmed that on the XXXX of XXXX they sent out a letter to the borrowers address regarding an extension to their review. This file has been escalated already to the higher management to expedite the process. XXXX19 Called Roundpoint mortgage and spoke to XXXX . She advised me that the status is still 'pending ', she said that short sale can take up to more than 30 days. She confirmed that the documents are complete and was forwarded to the processor on XXXX of XXXX. The value was ordered on the XXXX. As of XXXX XXXX. 2019, notes from the liquidation supervisor said that once they received the value then they'll continue on the review. Will monitor the file. XXXX19 Called Roundpoint Mortgage via XXXX and spoke to XXXX XXXX . I asked her if they already have an update on the short sale approval letter since its been over 30 days already. She said the file still under review and they are doing their best to provide a decision as quickly as possible. At this point, they are waiting on the investors decision. While on the phone she sent an email communication to her manager to follow up on the escalated file. At this point, we are no decision yet and the file still under review and waiting for the investors decision. Can you please assist in making Roundpoint escalate this file? Thank you for your assistance with this matter. {"issue":"Struggling to pay mortgage","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I am writing to dispute the following information that is reporting on my Experian Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed is the police report and my Experian credit report . Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Vehicle loan or lease Sub-product: Loan User complaint: On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. I appreciate your help in looking into this problem, personal information listed below. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on. {"issue":"Incorrect information on your report","sub_issue":"Old information reappears or never goes away"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I got a wrong debt collection in my Experian credit report, and Experian declined to fix this mistake. Can CFPB help to solve this issue? Below are the time line. 1.Experion credit report wrongly showed 1 collection as below. However, I never had any interaction with the collection agency. This is a huge mistake somewhere. I checked 2 other credit bureaus, and they did not have this collection. 2. I called the collection agency phone number twice. The collection agency tried to search my account in various ways ( including my social ), and can not locate any account information or collection about me. However this agency is not willing to render any written form of evidence. They just asked me to ask Experian to verify it. 3. I opened an online dispute over Experion.com. Experian has the wrong data, and Experian declined to fix this mistake and kept it's mistake. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: On XX/XX/XXXX I purchased two televisions from someone on XXXX! I did not know the person so I used XXXX XXXX to protect myself! I met with the man at a public place, I paid him {$390.00} for two televisions and when I returned home neither of them worked. I immediately contacted Navy Federal to file a dispute. Two days ago I was sent an e-mail saying the amount never posted so there was nothing they could do, which was not true because you can clearly see the charge on my account! Today I get an e-mail stating they can can not comple the dispute, I must contact the person for a refund!! If I was able to contact the person for a refund I would not have had to file a dispute!! I am not going to sit back in a PANDEMIC and let you all steal money from me!!! Where is the consumer protection???? What is the point of you having a dispute department if you can not give people UNAUTHORIZED funds back!!! GIVE ME MY MONEY BACK!!!! {"issue":"Managing an account","sub_issue":"Funds not handled or disbursed as instructed"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for about a year now for a big purchase on my card. I contacted the Wells Fargo team and told them about unknown charges on XXXX/XXXX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking my card was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contact them again they tell me they are still investigating. More time went by, another call, and I was told I will not be getting a refund since my card pin was entered. When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I will not see my money. Please help. {"issue":"Managing an account","sub_issue":"Problem using a debit or ATM card"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Vehicle loan or lease Sub-product: Loan User complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CREDITACPT. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THIS REPOSSESSION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: back in late XXXX early XXXX i made some online purchases with a company called XXXX and as i received the packages and opened them several were not what i expected including a few having defects so just as it says on the back of the receipt i repackaged them sent them back with the corresponding reasons and why i had shipped back 1 package with 4 watches in it on XXXX XXXX then i also had refused delivery on 3 other packages as well and just gave those back to the USPS although i didnt have any of those 3 receipts i did take pictures of the packages to prove i did not except delivery now after i had returned those 3 packages i had received several more packages unfortunately i wasnt home to refuse delivery on those packages in total i kept 6 watches and returned the rest i returned a total of 13 watches having only gotten a partial payment on 4 of the 13 i have all my receipts including the USPS receipts stating that they had received the packages now i had been dealing with these folks off and on for 5 maybe 6 months and frustrated i contacted my bank to see what my options were as far as retreiving my money on XX/XX/XXXX the gentleman said give us a week and your money will be returnedthen couple days later i got a call from the XXXX corporate office accusing me of doing fraudaulent business when i have had these account just over 2 years and the only money i had coming in was my SSI in the amount of {$880.00} not sure what kind of fraudaulent business i could with that little of money but i guess anything is possible if XXXX wants me to go elsewhere thats fine but i should get at least 1 of 2 options 1 is all my money back from XXXX or all the merchandise and theres even a 3rd option give me back both cause quite honestly if XXXX had beeen paying attention who orders 17 watches and on top of all this due to the fact that someof the dates dont add up as to when they got paid versus paying someone back my account went negative over {$1600.00} which meant for 2 months i had no SSI no foodstamps NOT A XXXX THING and i still have XXXX kids XXXX of which have made me a grandpa also im well aware XXXX is accusing me of owing them over 400 some odd dollars which isnt true i owe them 1 payment in the amount of XXXX for a grand diver i made payment arrangements on and if they had not tried to cheat me out of over {$9000.00} XXXX wouldnt have canceled my card in XXXX of XXXX card ending XXXX once they pay me for everything i have coming i have no problem paying my debt with them should anybody have any questions they contact me via cell XXXX i have all receipts and USPS receipts as well {"issue":"Managing an account","sub_issue":"Problem using a debit or ATM card"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: These complaint os for XXXX and Experian who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have ZERO to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. XXXX AND EXPERIAN ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS XXXX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH EXPERIAN, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST YOU. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: At the beginning of the COVID crisis, ( in XXXX I believe ) Bank of America ( the credit card carrier ) contacted me and told me my payments were being deferred temporarily. I did not know until 2-3 months later that they were accruing interest as they normally would. I started making payments again immediately. This seems very predatory in the midst of a crisis. I'm sure the terms were in fine print somewhere but I did not ask for assistance. They just sent an email and automatically adjusted my amount due to {$0.00}. I could not even tell what my normal payment would have been if I wanted to keep paying. I accrued hundreds of dollars in interest on debt I would have been paying off. {"issue":"Other features, terms, or problems","sub_issue":"Other problem"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Private student loan User complaint: I'm a student of XXXX XXXX and that was scammed by a private student loan agency who the government has now allowed the student loans to be 100 percent forgiven {"issue":"Dealing with your lender or servicer","sub_issue":"Received bad information about your loan"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Bread Financial ( via Comenity Bank ) is issuer of my BJ 's Elite Mastercard. Since XX/XX/2022 company has failed to properly report my revolving balance to all credit agencies resulting in my credit utilization being higher than it actually this. This in turn has lowered my credit score for the past four ( 4 ) months. Currently the company is reporting XXXX XXXX of my account 's limit : {$1000.00}. My XXXX, XXXX, XXXX and current statements are {$0.00}. I have attempted numerous times to resolve this issue with customer service, but receiving no support except for the canned responses. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: On XX/XX/2020 at XXXX XXXX., Regions Bank closed our nonprofit 's organization checking account with very little and vague notification. Once I received the email, I immediately had to reach out to them to find out what happened, and when I was on the phone with the person helping me, he did not try to help us save the account or felt any kind of XXXX towards us to aid us in any way. We only received one email of notification from Regions Bank regarding this issue, and it was back in XXXX. There was a large amount of money in the account at the time. I called the national Regions number to complain and see what I could do about this. The person on the phone then was very polite and apologized for the inconvenience and frustration that we are currently enduring with this situation. {"issue":"Closing an account","sub_issue":"Company closed your account"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit repair services User complaint: transunion credit has billed me the last 2 months on my XXXX credit card - for the months of XXXX and XX/XX/2018 I have never signed up for any service fromtransunion and don't know how they obtained my credit card number. {"issue":"Unexpected or other fees","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX has violated my rights. XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX XXXX : # XXXX has violated my rights. XXXX XXXX XXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: I was illegally evicted from an apartment complex in 2013 and am still appealing the original sham court 's rubber stamp decision for the plaintiffs for constitutional, other statutory and civil procedural errors. The case is now pending in the New Mexico Supreme Court, Case No. XXXX. I believe that is enough to have the debt removed from my credit bureau reports. However, my sole income was and remains SSDI, which is exempt from collection. So the CRA is breaking two laws. My friend, former roommate and co-appellant in the pending NMSC case, XXXX XXXX, is DECEASED. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Collected or attempted to collect exempt funds"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I recently checked my credit report and found that someone had been applying for something in my name. I have already notified the credit bureaus regarding a fraud alert. These are the three inquiries that I located that are unverified and unauthorized : 1. XXXX Date of Inquiry:XXXX 2. XXXX Date of Inquiry : XXXX 3. XXXX Date of Inquiry : XXXX {"issue":"Improper use of your report","sub_issue":"Credit inquiries on your report that you don't recognize"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Federal student loan servicing User complaint: I would like to work online for my school to pay off debt for my XXXX XXXX cant get anyone to assist in getting me started my health will not allow me to compete in any service oriented jobs to wash the loan or get rid of half amounts I am of age now and this is causing me a lot of unneeded stress Thanks for a solution I have many friends younger than I am a their student loans are eradicated and this is very disturbing and negatively effecting my over XXXX XXXX unnecessarily my loan have been hanging over my head for over XXXX yrs and nothing has been done except delayed only to come back on my report and now I cant go out in the workforce {"issue":"Struggling to repay your loan","sub_issue":"Can't get other flexible options for repaying your loan"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Other mortgage User complaint: I agreed to short sale my home with Nationstar for a set amount, less than what I owed, however, the home sold for more and Nationstar was made whole. At the time Nationstar executed the Purchase contract they agreed to give me {$36000.00} in relocation fees, which they are reneging on. XXXX : XXXX - Short Sale - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX : Nationstar XXXX No : XXXX : XXXX Bank Account No : ****************Re : Relocation Funds for Seller XXXX and XXXX XXXX XXXX find the XXXX XX/XX/XXXX bankruptcy documents. The Discharge and Final Decree from the XXXX Bankruptcy Court, XXXX California XXXX XXXX ) lists XXXX XXXX ( taken over by XXXX Bank XXXX as a creditor, and confirms the debt was discharged. Attached also find the notification from the creditors meeting, confirming the date of recording, and that the court has determined the date of the lien is XX/XX/XXXX. This can be also be confirmed by the title report in your possession, and has been confirmed to us by the Nationstar 's attorney at XXXX Foreclosure Corporation. Also, attached please find the Notice of Motion for Relief of Automatic Stay, Proof of Service of Notice for Motion for Relief of Automatic Stay, and Relief from Stay. In the bankruptcy, only the XXXX lien, which is the mechanics lien, and the XXXX lien, the deed of trust now held by Nationstar, were not discharged. All other debts, including the debt of XXXX XXXX, the lien for which is now held by XXXX Bank, were discharged. The bankruptcy documents clearly show the XXXX XXXX debt as discharged. The bankruptcy documents clearly show that the only XXXX valid liens are the mechanics lien, and the Nationstar deed of trust, and these same documents confirm that the XXXX lien is the mechanics lien, and the XXXX lien is the Nationstar deed of trust. This information is all a matter of public record and is easily available from the XXXX Bankruptcy XXXX, XXXX California XXXX XXXX ). XXXX is not entitled to any funds from the sale of my home they did not exercise their rights within the Bankruptcy court nor did they show up for any of the proceedings. {"issue":"Loan modification,collection,foreclosure","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting act 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. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Bank account or service Sub-product: Checking account User complaint: I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable. {"issue":"Problems caused by my funds being low","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with XXXX XXXX XXXX but they are trying to collect for XXXX XXXX . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency. {"issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Payday loan, title loan, or personal loan Sub-product: Installment loan User complaint: Im very upset with company onfalse advertising and false information to get you inloan. However im trying to pay off loan and has contact company several time for pay off amoutn and i get different and amounts every time my credit showing for th amoutn of XXXX still owed however wheni reach out to company it stay XXXX or XXXX which is more than I took and i been paying on loan since XX/XX/2018. Im filed several compliants on company with no resolution I just wont out of loan {"issue":"Problem when making payments","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Savings account User complaint: I recently opened a high yield savings account with XXXXXXXX XXXX. XXXX month later, they froze my account without ever contacting me or providing an explanation why after calling them several times. They have held my money hostage. On XX/XX/XXXX, I paid my mortgage, condo fees and made transfers to a vanguard account and another bank checking account from my XXXXXXXX XXXX high yield savings account. On XX/XX/XXXX, Bask bank froze my account without ever contacting me. I noticed since I happened to try and login into their account. I called customer rep and was told my account was frozen due to an investigation. Was never told why, how long it would take. I was lied that I would get an email from their dept that handles such investigations and never did. On XX/XX/2013, Bask bank requested money back from every account I paid a bill or made a transfer to on XX/XX/XXXX. 11-12 days later. I am now delinquent on those bills, have late fees and still need to pay those XX/XX/XXXX payments again. With funds that I don't have since XXXX has take all my savings and frozen them. This is the worst company I ever dealt with. Stay away at all costs, I don't know how they can take someones money hostage, request 12 days later money back from paid bills and still be in business. {"issue":"Managing an account","sub_issue":"Funds not handled or disbursed as instructed"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose prepaid card User complaint: On XX/XX/2019 I bought a XXXX XXXX, by NetSpend prepaid debit card and loaded {$50.00} dollars on it. As of today XX/XX/2019 I can not use the card. Today I was told that I can not withdraw any cash I could only make in store purchases with it. I also was told I can not transfer money from this card to another. {"issue":"Trouble using the card","sub_issue":"Problem using the card to withdraw money from an ATM"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached. {"issue":"Incorrect information on your report","sub_issue":"Account status incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: Identity theft this account was open by whom I had no authorization of this account. I XXXX XXXX am filing a identity theft report on the account with Navy Federal. {"issue":"Opening an account","sub_issue":"Account opened as a result of fraud"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: My first letter went on XX/XX/XXXX and XX/XX/XXXX disputing a verified account on my credit report XXXX XXXX XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate and also the reported balanced owed change every month. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit repair services User complaint: Equifax exposed my information without me knowing. A lot of inquiries when I wasn't even applying for anything. {"issue":"Confusing or missing disclosures","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: This company is constantly call my phone all day. Plus they reported the debt to my credit file tthat is damaging my credit and life. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened or suggested your credit would be damaged"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: I have sent this information to Equifax too many times to count they are out of time I do n't want an investigation opened I want this account removed as the letter states it not far that I must wait and wait and wait why they do nothing but call and give them my info SS # and address to verify I have an account I am request a final time the that this account with santandr is removed from my credit report they are giving my information away in order verify an account that should be removed I had a inde independent arbitrator on the phone the last time we talked Equifax in not doing things right or legal {"issue":"Improper use of my credit report","sub_issue":"Report improperly shared by CRC"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: On X/XX/17 or close to that date I applied for a co-branded credit card with Bank Of America and XXXX XXXX. I was denied, and the letter sent in the mail was not specific. It stated that I was denied maybe to a relationship I have with Bank of America. I have a HELOC loan that I have paid on through a bankruptcy ( my name may actually not be listed on the HELOC ) over 10 years ago, and I also have 2 credit cards acquired with Bank of America after the bankruptcy. The BK is well past the 10 year mark and I have excellent credit up in the XXXX range. The BK was related to my husbands business and we kept all of our personal debt including the HELOC loan which he actually used to pay his employees for several months during the financial problems. I felt compelled to repay this debt because it was associated with our home. I did not realize it would continue to cause issues after the 10 year mark. I am wondering what is the cause of my denial when I have excellent credit and have stayed current and continue to stay current our HELOC. This does not seem fair according the to the rules of fair credit reporting. {"issue":"Getting a credit card","sub_issue":"Application denied"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I am very frustrated and saddened that this keep happening. I been trying to close this card for years and this company would never close it. I don't use this card at all. I recently checked my credit and they put a late payment on my credit that is not correct. They are saying the annual fee of the card caused me to be late. I didn't charge this card or purchase anything so a annual fee can not be counted as a late payment. Remind you I been trying to close this account for years. They are taking advantage of me by keeping this card active so I can pay them a fee every year which is fraud. they have done this a few years and its a violation of the FCRA. I have never been late because i simply dont use the account and it should be closed. {"issue":"Incorrect information on your report","sub_issue":"Account status incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In XX/XX/XXXX I asked for my credit report and they keep changing the dates on XXXX XXXX has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. Experian has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years. {"issue":"Incorrect information on your report","sub_issue":"Old information reappears or never goes away"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: company for whatever reason pulled my credit report, it was not authorized and now I have another inquiry on my report... collection agencies has NO reason to pull a credit report as I didn't apply for credit and its NOT required to report a bad debt. My Theory : they pull your report, looking for bad debts to hassle you about, in an attempt to make money!! bad practice! {"issue":"Improper use of your report","sub_issue":"Credit inquiries on your report that you don't recognize"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Mobile or digital wallet User complaint: On XX/XX/XXXX my friend sent me XXXX $ worth of bitcoins on my coinbase wallet. I tried to reset my password on coinbase account since I have not used it in a long time, when I did It logged me out from all the devices and now they have this 2F security system which sends you the code on your phone and everytime it does that it sends me the wrong code! it never recognizes the code it sends me and it says " error invalid '' everytime. I tried to reach out to coinbase by Email, live chat, phone and all the social media and I am not getting any response. I want to unlock my account and send my money to my bank account and be done with COINBASE! they are scam website!!! Please help Thanks in advance {"issue":"Managing, opening, or closing your mobile wallet account","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 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 {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: This is my first complaint that I ever sent, but I can't express my fillings about how Credit Bureaus neglected my rights as a consumer and violated the law. I have sent to Credit Bureau agency disputing letter regarding accounts on my report that MUST BE REMOVED. My first letter was mailed on XX/XX/2022 and every other 35 days, All my mail was sent with certified receipts and return card. So I keep my records. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, - I'm providing these accounts number as they appeared on my credit report. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. For your convenience am including with this complaint : copy of my driver license, copy of my SSN card, copy of proof of address, FTC report, I have also submitted FRAUD Report. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: CHASE is reporting a balance from a charge-off account to XXXX that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and XXXX. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Payday loan debt User complaint: On XX/XX/, I sent a letter to National credit Adjustors asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days. {"issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/2019 This is not mine. 2. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine. 4. Identity Theft TD AUTO FIN Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XX/XX/XXXXAccount Number : XXXX This is not mine. 7. XXXX XXXX Account Number : XXXX This is not mine. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: The Credit Agency continues to report a debt that is not mine and is being verified as my debt by XXXX/XXXX who no longer handles the debt they sold it to XXXX, but they continue to verify it as mine. I have not heard from XXXX XXXX. but the agency has not delete this item from my credit profile, they are dealing with XXXX/XXXX who no longer handles this debt but they are responding negatively. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: XX/XX/2019 I contacted J P Morgan Chase Credit Card Services Requesting Chase Letters confirming my two credit cards ( Amazon and XXXX accounts ) were closed and charged off. The two Chase credit card Representatives refused my Request of Chase Bank written confirmation letters of Card Closures and charge offs and written balance of each of the two accounts. I need these letters for a US Federal court action to prove ill reparable financial harm against me committed by another party. This case is in the XXXX XXXX Circuit Court of Appeals awaiting Appointment of an Attorney for myself. I find my legal request of accommodation most disturbing while at the same Chase demands full payment. {"issue":"Struggling to pay your bill","sub_issue":"Credit card company won't work with you while you're going through financial hardship"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: I received a email from a lexington law firm below and also a copy is attached to this complaint. I felt I was contacted improperly contacted. Threatened to contact my employer to garnish my wages and the sheriff to come to my home. My name was not in the email- just a threatening message of contact I have not received before. No one has sent me anything in the mail. I check my mail everyday and weekly. I keep all mail in case something like this happen saying they tried to contact.me. I have not in this lifetime received received any form of contact or mailings from this scammed credit repair law firm. A real law firm will not call due to law official telling everyone to be aware of scammers who ask for personal information or want credit card information to pay for a debt over the phone. The email will be attached to this case I was not able to attach above {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened or suggested your credit would be damaged"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I submitted a dispute letter for account listed on my credit report and inquiries on XX/XX/2020. I have not heard anything from Transunion regarding my dispute and I also sent them a demand to comply letter that they have not responded to regarding unverified information being listed on my credit report that damaging my credit score {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Investigation took more than 30 days"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Government benefit card User complaint: My balance shows I have enough to make a purchase but the my card keeps declining {"issue":"Problem with a purchase or transfer","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: I was contacted by Southwest credit system I regards to debt that was already paid with XXXX XXXX XXXX I sent them receipt and email showing that it was paid they continued to harass me about the debt and say they cant understand the receipt.. I advised them they can contact XXXX or XXXX to clarify it was paid they refused. I would like them to stop calling me and submit this back to XXXX or XXXX this should not go on my credit because it was already paid. Also now that I try to contact them they send me to voicemail. I had to call from a different number to reach someone. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: Carrington Mortgage is reporting I was late the month before going into forbearance, which I was not, I was going into forbearance. {"issue":"Incorrect information on your report","sub_issue":"Not Available"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: My debt to XXXX XXXX XXXX was sent to a 3rd party collection company in XXXX. My balance once sent to collections was a little over {$1800.00}. I made payments of {$75.00} directly to XXXX & XXXX on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I returned the rental instrument ( sax ) on XXXX/XXXX/XXXX to the XXXX & XXXX store, which should have credited at least another {$800.00}. I then made additional payments directly to the 3rd party collection agency ( Transworld Systems ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$75.00} each time. I have spoken with XXXX & XXXX and they told me that I need to speak to Transworld Systems and that there was nothing that they could do. They confirmed that any payments that they received from me were sent directly to Transworld. I called Transworld Systems and they had no knowledge of any payments made to XXXX XXXX XXXX, or of the instrument being returned. They told me that they would look into it and update my balance. I disputed my credit report twice and the balance still shows the original amount. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}
I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: I would like to see if you can accept additional documentation on my original claim. I called earlier and XXXX said I could not since it had already been sent to the company. I have a copy of a check sent to me by Bitcoin for $ XXXX that I was supposed to send to a bank in California for safekeeping from the hackers. I did that, then I started getting suspicious when they asked for another {$90000.00}. I emailed Bitcoin and asked for a copy of the font and back of the check with no response ever. I have also made 2 police reports that I made, 1 with the intake policeman at the police station, then it was turned over to the fraud department. They didn't deal with it at all. I contacted the FDIC and was referred to you. Please inform me of anything I can send in addition to what I have already sent in that would help to determine my case. I am XXXX XXXX XXXX next month and do not deal much on the computer and know what is expected in correspondence of this magnitude. This money was withdrawn from my retirement account as part of my daughter 's inheritance and she is very ill at the moment so I wanted to give it toher early. I can send you copies of the check and the police department. The hackers told me I couldn't go to the Bank to discuss this because they thought it was an inside job. That made sense to me because I never have that kind of money in my checking account.. I would like for the CFPB to wait until the decision has been made because I was told by the police not to communicate with Bitcoin or the hackers again after that. I don't want the hackers to be aware that I am delving deeper into this. I am old and not in great helalth, worked hard for my retirement. Please help I can fax the info to you or email it. {"issue":"Managing an account","sub_issue":"Deposits and withdrawals"}