davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NJ)

Dear CFPB, I am writing to file a formal complaint against Navy Federal Credit Union for the unlawful closure of my credit card account, which took place on XX/XX/year>. The circumstances surrounding the closure of this account raise serious concerns regarding potential violations of several federal consumer protection laws, and I am seeking the CFPB 's immediate intervention in this matter. 

Background of the Situation : On XX/XX/year>, I was contacted by a representative from Navy Federal 's in-house collections team regarding my credit card account, which was two months past due. During this conversation, I was informed of financial hardship options designed to keep my account active. The representative assured me that my interest rate would be reduced to 3 % for a period of 12 months and that Navy Federal would be evaluating my eligibility for an additional financial program. At no point was I informed that my account was under consideration for closure. 

However, on XX/XX/year>, just three days later and prior to receiving any further communication about my eligibility for the financial program, Navy Federal closed my account without notice. This abrupt action was unexpected and contrary to the information provided during the XX/XX/XXXX call, during which I was led to believe that my account was still active and being reviewed for assistance. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violation : Navy Federals failure to provide complete and accurate information about the status of my account during our XX/XX/XXXX conversation violates the FCRA. The closure of the account without proper notification has likely caused adverse effects on my credit report, and I was not given an opportunity to address or prevent this negative outcome. 
Fair Debt Collection Practices Act ( FDCPA ) Violation : The communication from Navy Federal was misleading, as I was led to believe that my account was being offered hardship options and would remain active. The sudden closure of the account, without disclosing that it was being targeted for shutdown, constitutes deceptive and unfair collection practices, in violation of the FDCPA. 

Breach of Good Faith and Fair Dealing : By failing to inform me of the true status of my account and then closing it without warning, Navy Federal breached the implied covenant of good faith and fair dealing. I was denied the opportunity to make informed decisions regarding my account and was misled into believing that it was being maintained in good standing. 

Truth in Lending Act ( TILA ) Violation : Navy Federals actions may also constitute a violation of TILA, which requires creditors to provide clear and accurate disclosures about the terms and conditions of credit. The failure to inform me of the impending closure of my account while discussing potential hardship programs falls short of these requirements.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Someone stole my Wells Fargo debit card and had used it at a branch in XXXX XXXX XXXX nv to withdraw {$600.00} from my checking/savings acct and deposit 2 fraudulent checks to My checking acct on XX/XX/23. I reported the incident to Wells Fargo and to XXXX XXXX XXXX police. Wells Fargo never investigated my claim and had closed my case.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (FL)

Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 
A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. 
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). 
You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days. 
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information. 
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

I opened an online joint checking account with Citibank on XX/XX/XXXX for me and my daughter. Apparently, my full address did not come over with the online application. I sent over a cable utility bill to verify my daughters address with the application and they did not accept. I called back to resolve and never heard back ; however, I received emails to fund the account through the Citi app, which I did. 

On XX/XX/XXXX, I called to ask about debit cards and was told the account was locked and not opened due to a discrepancy between the address on the application and proof of residence documentation. I offered to send over the lease with correct address with both joint owners and Citibank refused offer and will not proceed to open or unlock account. 

In the meantime Citibank sent me emails indicating the account was open and asked me to deposit funds. I transferred {$15000.00} by ACH to the Citi account and it was accepted ( even though the account was technically in review ). Citibank has locked this account, will not open the account, and refuses to return the {$15000.00} in funds by rejecting the deposit and sending it back. 

Citibank has never contacted me between XX/XX/XXXX and XX/XX/XXXX to tell me there was a problem with this account. I called them to ask about debit cards and found out the account was not opened and locked. Citibank offered me no time frame or path to resolve. I was told that 30 business days from application they would start close out process and eventually they would mail me a check for the funds when process was complete ( even though they have been told they do not have the correct address and will not update ). Citibank offered me no alternative. I just want my {$15000.00} sent back by ACH from the account of origination. 

As a side note, I was solicited by Citibank with a promotional offer to open this account as a valued credit card customer. My correct address is on file with the credit cards and Citibank refused to use their own information to validate my address with this account.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX  required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to XXXX, XXXX and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

XXXX of this year I purchased a XXXX XXXX XXXX. The dealer approved me for the loan. There was conditions to obtain the loan, though. Ally Financial told the salesman that I would have to buy gap insurance and a extended warranty. I asked the dealer that I can get GAP insurance thru XXXX and was open to extended warranties. He told me that Ally Financial would be the best option for this because it would wrap everything into one company and that Ally would most likely to approve the loan once I had these added to the loan. I asked him why, he told me that the buyer from Ally said, since I had a filed BK in the past and since the car was a high end car to fix and the the car would be protected and my best interest to go with Ally for this. So, I did what what I was told to do. Covid 19 came along in XXXX. I made the first payment, then reduction of work at work closed our business down. Ally said I could take three months of extensions on the loan. On XX/XX/XXXX I was hit head on by a drunk driver and totaled and she had no insurance. After 1 month in the hospital and losing my job. I got right on the XXXX to pay the car off. XXXX paid out XXXX and then I had a refund from the extended warranty which XXXX posted on my account, I think Ally said it was XXXX and then I started the most lengthy process of retrieving several documents to file the GAP claim. After getting all the documents to Ally GAP claims division. Ally received XXXX. I got a call from a lady, she stated we dont cover the extensions in the gap claim and we hired a third party company to recover the documents for us. So Ally left me owing XXXX. So the cards were stacked against me from the start. I have no way of getting this paid.Also, I thought the money from the extended warranty was refunded back to me, this was also taken by Ally in their own GAP coverage explanations. I am borrowing monies now, from friends and family to pay this. I am also looking into filing a law suit for Deceptive trade practices because engages in this business practice-they have there own formula of choosing what they are going to pay and not pay. Due to ALLY XXXX serious mental anguish, and now have starting to take medication for XXXX and XXXX.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MI)

I reported this problem to the company on XX/XX/XXXX and again in this email on XX/XX/XXXX : Hello, I had a very troubling conversation with one of your employees that I have outlined below. He was trying to steal thousands of dollars from me and my wife. I assume that you can review the recording. What are your thoughts? 
Thank you -- -- -- -- -- Forwarded message -- -- -- -- - Date : Thu, XX/XX/XXXX at XXXX XXXX  Subject : Re : Caliber Home Loans Refinance To : XXXX XXXX XXXX  Ms., Thanks for your email. I believe the conversation that I had with your associate and the information I received may fall under the umbrella of predatory lending. At very least it is definitely unscrupulous and immoral. I suppose I should turn this over to the Attorney General or some other governing body to see what they think. 

Your representative quoted me 3.25 %, which is the going rate, plus {$1500.00} in closing costs, also about the going rate. He also wanted to sneak in an astonishing 3.5 discount points, hoping perhaps that I would not notice or understand. He assured me it was fine because it could come out of the equity and not cash I had to bring to the closing. I asked him for the resulting APR and he said he could not provide it. He went on to say he could potentially do better on the points but it would not be reflected in the paperwork. He tried to sell me a loan at an unbelievably high price that would have been far worse for me than what I already have. He was evasive and dishonest. 

My local bank confirmed a refi should be at 3.25 % with closing costs between $ XXXX {$2000.00} with 0 points. 

I could not be more disappointed in Caliber Home Loans. 

Is there a governing body or supervisor that you can please refer me to? 



On XX/XX/XXXX the company responded : The Customer Resolution Department at Caliber Home Loans , Inc. ( Caliber ) received your recent inquiry regarding a loan application in which you feel may fall under the umbrella of predatory lending. Caliber is dedicated to ensuring that our customers have a positive experience throughout the loan process. 

On XXXX I replied : Thank you for your email. Have you completed your review and research? 

The company did not reply The company sent me follow up applications documents dated for XX/XX/XXXX. That might be the date that I first spoke to them about the refinance. The loan documents did include the 3.5 discount points that were proposed during the call.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (TX)

On XX/XX/2020 my car was reposed by this company by a fraudulent repo driver. That lied about the location he picked the car up from as well as his tdl number wasnt found anywhere. My car was reported stolen with HPD only to find out more than 2 hours later it was repossess from a different location whatcha is untrue. I made arrangements and paid more than I was supposed to Im not understanding how Im behind when its drafted from my account. When I inquired about my account on day 1 I was told I was 197 delinquent and the next day ( less than 24 hrs ) I was informed my account was 287 days delinquent. Which is it.. I just want my money back that is claimed I didnt pay
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, we reserved a unit that is offered through XXXX by XXXX XXXX XXXX. The XXXX listing said that a {$200.00} pet fee was required. That same day, we received an e-mail from a user identified as XXXX XXXX ( e-mail address XXXX ), asking for the {$200.00} pet fee via PayPal. We paid the fee using our PayPal account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a request for another {$200.00} for a cleaning fee from a user identified as XXXX XXXX XXXX XXXX  ( e-mail address XXXX ). We grew suspicious, because the payment through XXXX included a cleaning fee and because this e-mail did not match the prior one. We did not pay the requested additional {$200.00} cleaning fee. Instead, we used the XXXX app to contact XXXX XXXX XXXX  and they said both requests were fraudulent. 

We informed PayPal that these requests were fraudulent, and requested that the XX/XX/XXXX payment of {$200.00} be refunded. PayPal declined our request.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was a victim of identity theft in XXXX of this year. At least one other bank account was linked to my Bank of America ( BoA ) credit card account in my name and my previous two payments in the amounts of {$1800.00} and {$810.00} were " refunded '' to the account ( s ) in question. Pursuant to section 609 ( e ) of the Fair Credit Reporting Act, I requested from BoA all documentation relating to the fraudulent transactions including bank account numbers and all records of phone numbers used to activate or access the account. With my initial request, I included a copy of my driver 's license to verify my identity, a copy of XXXX Police report no. XXXX, and a copy of FTC Identity Theft Report no. XXXX. One month ago, XX/XX/22, I received a BoA customer service agent XXXX, who informed me that she could not provide any of the requested information and that BoA would only provide that information to law enforcement. I brought to her attention that the victim is entitled to that information directly. They have had more than 30 days to provide the requested information and are now in violation of federal law by refusing to do so.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (AL)

My vehicle was repossessed on XX/XX/19. When I purchased the vehicle the air- conditioning system did not work. The salesman assured me that the problem would be corrected. It never was, the salesman quit the job and the dealership went into new management. The new owners would not work with me on any level.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (OH)

Hello, I am a XXXX XXXX and i am trying to do a cashout refi for a borrower. This borrower 's current mortgage is held by BSI Financial Service. The borrower 's credit report shows him having a 30 day late on his mortgage back in XXXX. The borrower was never actually late. This was a result of an error on BSI 's end while onboarding the borrower 's loan from a recent service transfer. 

The borrower tried to have BSI correct there error. In XXXX, BSI sent him a letter stating that the 30 day late was reported in error. They said that the late would fall off of his credit report within 30 days. Fast forward to XX/XX/XXXX, and the 30 day late is still reporting. 

I have a service at my company where my credit provider can rescore/adjust the credit report. All my credit provider needs is the same letter that BSI sent in XXXX, but with a date on it after XX/XX/XXXX. ( We can not use the one from XXXX ) The borrower then called to have them email it. They said they would and they didnt. I then called ( Myself and my company are an authorized 3rd party ) and tried to get them to send the letter with a new date. They said they would and after a week they did not. I called again and had the same conversation, they said they would send it and did not. A week later i called again, and had a very similar converation, except this representative told me that she could not verify me as a authorized 3rd party. I asked who i should send the signed borrower 's authorization form to. She gave me their customer care team 's email. on XX/XX/2022 i emailed the BSI customer care team a new signed borrower 's authorization form and requested that they respond when they receive it. Five days later, no response. XX/XX/2022, i sent another email following up. 

After that, i XXXX the company and read XXXX  reviews. it seems that this is common practice for them. Someone said that they will not help you unless you get the CFPB involved. Please help. My borrower will greatly benefit from getting this cashout during such a hard time, and can not because of the actions/inaction of BSI financial services.