davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (CT)

**Consumer Financial Protection Bureau ( CFPB ) Complaint** Complaint Against Navy Federal Credit Union Regarding Unfair Overdraft Fees **To Whom It May Concern : ** I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ), headquartered in XXXX, Virginia . I have been a customer of Navy Federal since XXXX, and I have recently encountered issues that I believe warrant immediate attention. 

On XX/XX/XXXX, the Bureau issued an order against Navy Federal for engaging in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010. The Bureau found that from XXXX through XXXX, Navy Federal charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled, despite members having sufficient funds during the transaction. Furthermore, it was noted that Navy Federal was aware that members were unlikely to understand these unexpected overdraft fees.

Additionally, the Bureau identified that, through XX/XX/XXXX, Navy Federal charged overdraft fees when there were delays in posting credits to members accounts from person-to-person payment networks, even when those funds appeared to be available for immediate use to members.

As a direct result of these practices, my checking account has been closed and charged off due to similar issues regarding the illegal charging of overdraft fees. This has caused significant financial distress and damage to my credit report.

I am requesting the following actions : 1. A refund of the overdraft fees that were improperly charged to my account.

2. Reactivation of my closed checking account.

3. Removal of the charge-off from my credit report.

If my request is not fulfilled within 30-45 days, I will be compelled to move forward with the litigation process to seek {$1000.00} in damages for each inaccuracy reflected in my credit report and days without my checking account being reactivated and refunded.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security # XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TN)

In the middle of dispute with Chase Auto Loan regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. Chase did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust Chase Bank/Auto Loan. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust Chase would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting Chase would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016!  No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how Chase runs their business.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MO)

Good evening XXXX.XXXX, I understand your position, I have made payments to the citi prestige card ending in XXXX. 
I recently sent over documentation other than the stop payment order I issued on XXXX XXXX, XXXX. When I noticed that the payment was not received by citibank issued the stop payment to protect my account information I attempted to contact you via telephone yesterday and today both attempts were unsuccessful.I have attached via email and fax canceled checks indicating I paid double the minimum amount due for the prestige account I thought that by paying the current month and following month would keep the account current.I was not aware the account had gone past due I never received any contact from Citibank regarding any of my accounts when you stated my citi simplicity card ending in XXXX was past due I immediately made payment on the account. In addition, i would like to add that if I had received a statement indicating the balance and the amount owed for the citi simplicity card ending in XXXX. I would have made payment on time I have impeccable credit as you may have known to qualify for the citi prestige card you must have excellent credit. To my knowledge, Citibank had failed to inform by mail or telephone about my account status I have been with Citi for over 20 years XXXX.XXXX only when you informed me that my account ending in XXXX was past due was the only information that was sent to me stating the past due status.I will contact using the telephone you provided to give you more information to receive a better resolution than before. I am very thankful for your help in this situation. Hopefully, with the new information, i have provided will overturn your initial decision. 




Highest Regards, XXXX XXXX XXXX Contact information Home # XXXX Cell XXXX Email XXXXXXXXXXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaining about not assisting me with inaccurate credit report information. Inaccurate credit inquiries on report. 

XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX - XXXX and XXXX/XXXX/XXXX XXXX/XXXX - XXXX XXXX XXXX - date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX - date : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

In XX/XX/XXXX Ocwen told me they would work with me on a loan modification I had to make an initial payment of XXXX then make three consecutive payments on the first of the month I had automatic withdrawal so my payments were automatically deducted in XXXX I received a packet that said congratulations you qualify for a modification from XXXX to XXXX all I had to do was read it over and sign I did that and sent it back in XXXX they said the last packet contained incorrect information, mistake on their part and the sent me a new packet that I signed and sent back another mistake was made on their part and another packet was sent in XXXX and I signed that one and sent it back On XX/XX/XXXX I received a letter stating my modification was being denied because the paperwork was not filed on time I called them and was told not to worry because it was their fault and someone would get back to me Mid XXXX I got a email saying I needed to money gram XXXX XXXX or wire transfer XXXX to them by the end of XXXX and they would send the modification back through. I wired transferred the money Then I receive a call on XX/XX/XXXX that I owe them an additional XXXX for a miscalculation on their part which I have asked 3 different agents what was the miscalculation but no one could answer that question I also asked for something in writing which I still have not received On XX/XX/XXXX my XXXX was wired transferred back into my bank account and I was charged the XXXX for the transfer No letter, no call informing me that this was going to take place Called them and they said I had to do a transfer for the XXXX and the XXXX together I have asked to talk to supervisors or a number for someone in the states but they said they have no number Today I received a foreclosure letter stating they might be able to stop it if I do a loan modification I have read the many complaints about this company and I am scared I am going to lose my home because of their mistakes None of the payments I have made in the last 8 months have been applied to my mortgage and I recently got a bill saying I owed XXXX
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (PA)

In XXXX of this year, PNC Bank closed a XXXX card I held with it since XXXX. I filed a complaint with the Better Business Bureau immediately after. The facts are set forth below. The business was having issues with its mobile payment system. Despite informing its consumers via email, it refused to wave late and interest fees on my account as a result of its system malfunction. The business later closed my account and insisted that it was a my request, which is false. 

I made a payment to my account on its due date of XXXX XXXX, XXXX. There were continual issues with PNC 's mobile app that day ( this has been noted contemporaneously, and copies of said notice from PNC are attached ). Because of said issues, the payment was not submitted until after the cutoff time of XXXX XXXX on XXXX XXXX, XXXX. The representative I spoke with on that day coached me through making the payment via your website because of the issues with the app. They also confirmed making notation to my account of the issues, and assured that any fees in conjunction with the payment being potentially late would be reversed. 

On XXXX XXXX, XXXX, I advised a representative of my XXXX XXXX, XXXX experience, and asked that she review the notes accordingly. Her response was that her supervisor would return the interest to my account, but not the late fee. I replied that if, and only if PNC would not comply with its own policy concerning reversal of late and interest fees as well as the Fair Credit Billing Act ( FCBA ), I would institute proceedings to close my account. 

When speaking to the bank on XXXX XXXX, XXXX, XXXX XXXX credited my account {$25.00} for the late fee, and explained by admission, that what occurred on XXXX XXXX, XXXX was not standard protocol or PNC 's policy. And that PNC would not waive just interest, and not the late fee. Whether my inquiry to the Better Business Bureau prompted this response from PNC is unknown. But I was certainly not advised that it were returning the late fee as a courtesy, but rather to be in compliance with the bank 's own policy, which clearly was not carried out on XXXX XXXX, XXXX. 

While subjective, I would argue that PNC not complying with FCBA, and its own policies would be grounds to forcing my account closed. Further, if my account was closed due to misinformation and PNC 's position remains concerning reopening my account, which was only closed because of information and misrepresentation and non-compliance of its own policy, I have no choice but to request that the BBB document this matter for public consumption, and escalate this matter to the Federal Trade Commission, State Attorney General, and the three ( 3 ) major Credit Bureaus.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

spent one hour just now trying to dispute something and make a payment. while american express bills me for interest i was promised would not be, and which i will be unable to pay based on that. they wasted 70 minutes of my time with XXXX calls either answered with extremely limtied XXXX or transferred me to business.. sometimes you call you get business card sometimes you do not its random and its annoying. wastes my time so i still need to dispute XXXX dollar XXXX and get interest refunded and make a payment. in light of my time wasted today and being hung up on 2 times early am today i want my itnerest refunded was i was promised last year. To bill me for charges stemming from vandalism to my home is in poor taste. esp with what i endured now and have in the past. XXXX calls this am. and i was hung up on twice and transferred all over teh world i want interest refunded and XXXX dollars back from XXXX. period
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Dear CFPB, Please note I have tried disputing incorrect information on credit reports numerous attempts and they have yet to audit and remove permanently as stated incorrect address, name, and employment status and address. 
I have not supplied proof under the Doctrine of Estoppel by silence, XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to the fair credit reporting act ( FCRA ) section 605B. It's illegal to report information to credit without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Subject : Immediate Action Required : Erroneous Charge-Off Entry by XXXX XXXX To Whom It May Concern, I am reaching out to address an urgent and unresolved issue with my credit report, which involves an inaccurate charge-off entry reported by XXXX XXXX. Despite previous attempts to rectify this matter, the following critical inaccuracies remain uncorrected : Account Details : * Creditor : XXXX XXXX * Account Number : XXXX XXXX * Account Status : Charge-Off * Account Type : Installment * Date Opened : XX/XX/XXXX * Remaining Balance : {$0.00} * Last Payment : XX/XX/XXXX Primary Issues : 1. Incorrect Payment Record : The account erroneously shows a payment made in XX/XX/XXXX, which is not accurate. My records confirm no payments were made after XX/XX/XXXX. This error violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) regarding the accuracy of information.

2. Inaccurate Charge-Off Status : The account is misclassified as a charge-off. Per IRS guidelines and standard credit reporting practices, this account should be reported accurately, reflecting its settled or paid status without negatively impacting my credit report.

Legal Violations : * FCRA 1681e ( b ) : Mandates that consumer reports must be accurate.

* FCRA 1681s-2 : Requires furnishers to provide accurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the reporting of inaccurate information.

* FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Obliges prompt correction of reported inaccuracies.

Consequences of Errors : * Credit Score Impact : The erroneous charge-off has unjustly diminished my credit score.

* Financial Impact : The continued presence of incorrect information affects my financial health and creditworthiness. 
Requested Action : I demand the immediate deletion of the erroneous charge-off entry from my credit report. Given the severe impact this incorrect information has had on my credit profile, a mere correction is insufficient. I expect this issue to be resolved within 10 days. If this matter is not addressed promptly, I will pursue further actions, including legal remedies, to protect my rights. 
Thank you for your attention to this urgent request.
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

On XX/XX/XXXX I failed to pay my monthly amount due of {$620.00}.
On XX/XX/XXXX, I requested my original loan documents via fax and they were never produced.
On XX/XX/XXXX I received the first collection call at XXXX XXXX from XXXX. 

On XX/XX/XXXX I received a collection call form XXXX. 
I spoke to a representative of AES and told her that I could not continue to make payments because I had been unemployed and would not be able to catch up until XX/XX/XXXX at the earliest. She told me she would send it to the workout team and let me know. I asked them to stop calling me. I never heard back other than the constant harassing phone calls. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received a collection call at XXXX XXXX. from XXXX. 

On XX/XX/XXXX I received collection calls form XXXX at XXXX and XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX. I placed a call to XXXX and spoke with XXXX, Agent ID XXXX. I told her that my request for original loan documents had not been received and she said I would get them in another 10 days. I reiterated my request that they stop calling me since I was unable to pay my loans and that I would not be able to begin making payments until at least XX/XX/XXXX. She said they would not stop calling me until the loan was " processed out of their system ... in approximately 180 days. '' On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. 

On XX/XX/XXXX I missed another installment of {$620.00} plus late fees from the missed payment in XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received collection calls from XXXX at XXXX XXXX. and XXXX XXXX. and from XXXX at XXXX XXXX. 

On XX/XX/XXXX I received a collection call from XXXX at XXXX XXXX.
Consumer complaint received 2017-09-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX 2017 I reluctantly called experian and told them the collection company was n't able to provide me legitimate validation of the debt so it needed to be removed from my report. I was told they could n't delete information but would dispute it again. Two weeks later I got a letter saying the item was verified. I then asked what information did they get to verify this of which I was told they could n't tell me. They said the debt collector told them " to the best of their knowledge the debt was verified ''. Experian refused to show me their proof and all experian did was parrot the information which is n't right or legal.
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Our family left the country for two months XXXX XXXX, XXXX XXXX XXXX, XXXX ). I contacted Bank of America beforehand per telephone telling of our intentions and made on XXXX XXXX, XXXX a payment and explained to them this was specifically to cover any amounts due until our return this date, XXXX XXXX. On XXXX XXXX, XXXX our credit card quit working. I called the bank and after 30 minutes hold time I was told I would be charged late fees and penalties. ( total amounts yet unknown ). I feel these penalties are unjust & fraudulent as they were informed beforehand I would be out of reach to contact or make payments ( the {$2000.00} prepayment ). The penalties will reflect that I paid my bills late affecting my flawless credit as well as I feel the unjust fees. This I feel 100 % the fault of the Bank of America and ask for any assistance in resolving this dispute. I feel as this bank is falsely charging penalties causing myself and my family undue duress.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

After reviewing my credit reports I noticed an unfamiliar item that was in collections negatively impacting my credit. 

On XX/XX/XXXX I sent a letter to the collection agency asking to not only validate the debt but provide the method of validation and they did not. 

I received a letter dated XX/XX/XXXX responding to my request, however the debt was not validated, the letter was a verification letter. The information I requested was not received. 

On XX/XX/XXXX I sent a second request asking to validate the debt.
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

I default on my mortgage due to work related injury, and apply for help to Keep Your Home California and was able to get approve for {$39000.00} to Principal Reduction program ( PRP ). To Pay any past due amounts and reduce remaining balance of first mortgage and bring monthly Mortgage to an affordable.. 
So in months later Seterus, INC had send me a Loan Modification to sign and return and Seterus representative call me stating that the only way to get approve for the money founded to my account from " KYHC '' is by signing modification. next day later Seterus Manager XXXX XXXX Call me again asking for the sign modification, And said if they did n't receive with in a week they were going to reject my founded money back to " KYHC '' and the house would be foreclose. So I had filled out Documents to keep my home and have a reduce Monthly affordable payment. I send this documents back to Them sign. On XX/XX/XXXX I paid my mortgage ( {$1700.00} ) upon agreement and they call me back stating that I was short on my payment that my payment was suppose to be at ( {$2100.00} ) So I was short ( {$440.00} ) So I ask to explain how was that possible when I had filled a mortgage modification and I had a principal reduction to bring down my mortgage to affordable payment. and that was not affordable my payment when up {$440.00}, and is not on the documents that I had sign. 
Seterus Representative could n't not give me an straight answer and they got higher Supervisor to assist and She first said that it just gone up So that 's what I need to pay, And I told her to Explain why she said that Property taxes when up and It did n't and than she Said That because of PMI insurance, Then she said because of Shortage on property taxes or it could be something but she does n't know for fact..