davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I opened Master Card credit card account with Citibank on XXXX XXXX. On XXXX XXXX I received e-mail from Citibank with " welcome offer '' for new cardmember to open XXXX more card account with attractive terms - XXXX miles bonus after spending {$3000.00} within first 3 months of account opening. 
So, I applied for the new card on-line, get it, fulfilled required terms ( spent {$3000.00} within 3 months ), but did n't receive XXXX miles to my XXXX advantage account. To resolve this issue I called to the Citicard Customer Service several times. 
Finally they told me that I 'm not eligible for this reward because you 've already get one within the previous 18 months. 
I 'm disagree with this decision because of following reasons : 1. Citibank initiated this deal and promised this reward on the proposal without any mention about " 18 months rule '' 2. No one document that I got ( welcome offer, online application form, Credit Card Agreement and benefits brochure ) contains the " 18 months '' rule. It looks like Citibank deliberately kept back this important information to encourage me to use their product.
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MS)

Around XXXX 2015 I added XXXX authorized user cards to my existing XXXX XXXX credit card accounts. These were not new accounts. They were only additional cards for accounts that already existed. A month later I discovered these XXXX additional cards are listed on my Equifax report as new accounts. I believe Equifax refers to them as " duplicate accounts. '' As a result the available revolving credit reported by Equifax exploded to {$67000.00}. I am seriously concerned that this, along with the fact that XXXX new accounts were added to my credit report, will significantly impact my ability to obtain future credit at favorable terms. 

I have filed a dispute will Equifax to correct this problem. I have called them and have been placed on hold for hours, but Equifax has not corrected their error. I am not sure that the telephone representatives I 've spoken with really understand the issue. It is extremely frustrating for me. 

I appreciate whatever help you can provide in order for me to correct the inaccurate information on my credit report.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/2020 my checking account was hacked at Navy Federal Credit Union. I reported the compromise XX/XX/2020 to the company that {$3800.00} was ACH transferred to another bank without my consent. Since the compromise the company will not answer my question or let me talk to anyone in the security department. In summary I am a victim of Identity theft and also bank fraud.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGES UNLIMITED, INC. (MN)

First, My husband and I had asked our relator to request that the builder we were using pay the closing costs. No offer was ever drafted to the builder and nothing specifically in the Purchase Agreement stated the builder denied the request, so we assumed our request was address and accepted, so we signed it. I know as buyers we should have follow-up with the request, but we assumed that the person we hired and were paying would do what we asked and advise us if the request was denied so we can alter certain things to fit our budget. 
Second, our realtor referred us to the loan officer she uses for most of her clients. We submitted the necessary information regarding the application process and we were pre-approved. Construction began on the property shortly thereafter. Well, 60 days prior to the estimated closing date approached, which was approximately 3 months after the application was completed, we receive a " Worksheet '' of the outlined costs associated with the closing and our monthly payments. The loan amount was wrong for one, so the numbers were completely off and it has us paying all the closing costs. Once we addressed this with our relator, we asked why an offer was never sent, no response was given regarding this, and she advised that she assumed we knew the builder was not going to pay any closing costs, so never professionally told us. The main issue here is we NEVER received a Good Faith Estimate during this process, 12CFR1024.7, which now I see if a federal requirement. My husband and I were not aware we were suppose to receive this document, that is not our job that is the lender 's job. My husband and I spent a month trying to configure numbers to make the agreement work not that we were required to pay ALL closing costs. Well, my husband and I were not able to commit to a loan that was too high and draining our savings account so we had to back out of the Purchase Agreement, losing our {$6000.00} in earnest money. We had no other choice. We do not want to end up in foreclosure.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I 've had the worst customer experience in completing a refinance on my home from CapitalOne, TWICE. The first time around the loan officer completely dropped the ball and did not answer any of the questions related to my loan and as a result it was closed. No one ever contacted me to inform me that the process had been terminated and I only found out when I called to get a status update. After complaining and escalating the issue to a manager, I was assured that I would be placed with a more " seasoned '' mortgage consultant who would ensure that all my concerns were addressed and help me to close on my loan. I was required to reapply again and the process went smoothly until my new loan officer failed to return every single phone call and email I made to request a status update on my loan. At this present moment I have no idea what is going on with the process and both the loan officer, her assistant and manager are unable to be contacted! The customer service at Capital One is awful! Its ridiculous that after I 've shared tons of private and financial information I can not get even XXXX response!!
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (CA)

I was contacted in XXXX by Target Store 's credit card division to inform me that a TD Bank/Target Store credit card application had been submitted at XXXX of its stores in North Carolina, and Target suspected it was fraudulent. I confirmed that the application was in fact fraudulent and Target informed me that the application and account would be terminated. Target followed up with a paper mail affidavit for me to complete, which I completed and mailed back to officially close the fraudulent account. Additionally, I contacted the XXXX bureaus to place an active fraud alert on my credit file. This week when checking my credit, I learned that the TD Bank-Target Credit Card Account was officially opened despite the extensive prior communication on the issue.
Consumer complaint received 2015-07-31
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (ME)

I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.
Consumer complaint received 2015-04-09
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CNG FINANCIAL CORPORATION (CA)

Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC (CA)

In XXXX of XXXX I was offered a forbearance loan by XXXX XXXX then in XXXX of XXXX I was transferred to XXXX XXXX for a loan Modification, now I 'm working with XXXX XXXX as of XXXX XXXX, all with the LoanCare Servicing company. In XXXX California passed a law that the loan servicing company had to provide you with a written letter that your loan modification servicer was going to be changed to a different person. I have been tossed around by XXXX different people and each has a different answer to any question that I ask. I 'm being told now that my final loan medication will take 90 days to complete during which time they will continue to report my loan to the credit bureau as being late. I have made all of my forbearance loan payment and trial loan modification payments on time and yet I 'm continued to be punished by them. This has caused my credit to be greatly effected. And I demand someone look into the practices of the LoanCare because every call to them yields a different answer.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I made two payments XXXX XXXX and XXXX XXXX in amounts of XXXX usd each for a total of XXXX for XXXX XXXX mortage of XXXX. ditech shows my account as late and after receiving call from their rep on XXXX XXXX, agent winsdor stated he saw the two payments and he would fix it, monday XXXX XXXX when i called the rep stated nothing was done and she would take care of it. on XXXX XXXX as promised by ditech it would be fixed i spoke with Supervisor XXXX, stated it was not fixed since they are having problems and would not be able to fix it for 30days. in the meantime they are sending me late payment notices. 
when i make my XX/XX/XXXX payment even after XXXX 's promise that payment will be applied for XX/XX/XXXX, i know it would default for XX/XX/XXXX payment. ditech is ir-responsible in their duties and should fix this problem instead of sending me late notices and making calls for why the late payment.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-09-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (MI)

A request was made through customer service to stop an online payment scheduled from Chase Bank. 
The payment was stopped and the amount was credited to my account. I had informed the merchant that I am stopping the payment as I had already paid them and the merchant acknowledged the same. 
However the bank delivered the cheque to the merchant, and Chase customer service did not informed me that the bank will deliver a cheque to them irrespective of stop payment. The merchant submitted the cheque which was bounced and their bank charged them {$50.00}. 
I have to pay for it as my bank delivered the cheque. 
There is a flaw in the chase online payment as they should have informed me that cheque will be delivered and I could have communicated same to the merchant.
Consumer complaint received 2016-09-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

They took over a mortgage from my current bank. I attempted to keep my interest and payments low. I did not want a payment over XXXX like I have had before with original bank. They manipulated my account to where I was forced to pay XXXX a month in mortgage. Much higher then I agreed to pay originally.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am filing this complaint due to Chases handling of unauthorized transactions made via XXXX from my account. The dispute process has not yielded a satisfactory outcome and appears to be inconsistent with the protections provided under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.

The unauthorized transactions are detailed below : A transaction dated XX/XX/2023 for {$300.00}. 
A transaction dated XX/XX/2023 for {$320.00}. 
Two transactions dated XX/XX/2023, one for {$580.00} and another for {$1100.00}. 
The total amount disputed is {$2300.00}. 

Upon discovery of these transactions, I promptly reported them to Chase, categorically stating that I had not authorized these transfers. Contrary to my explicit denial of authorization, Chase concluded that the transactions were legitimate based on IP address and geolocation data matching my typical banking activity. 

I wish to highlight that this determination does not sufficiently rule out the possibility of fraudulent activity, where my personal banking information could have been compromised and used in a manner that mimics legitimate banking behavior. 

The nature and pattern of these transactions deviate significantly from my regular banking activities and, crucially, I have not received any benefit from these transactions, nor were they made with my knowledge or consent.

Chase 's decision not to credit my account for the disputed amount during their investigation is a matter of concern and suggests non-compliance with Regulation E, which stipulates that consumers should not bear the burden of unauthorized transactions once properly reported.

I urge the CFPB to facilitate a review of how Chase has handled this matter. Their response has been inadequate and dismissive of the substantial likelihood of fraudulent activity that has adversely affected my financial security.

I am prepared to furnish any additional information or documentation that may be required to substantiate my claim.

Thank you for your consideration and I anticipate a just and prompt resolution that upholds the consumer protection standards set forth by the EFTA and Regulation E.
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC (NJ)

I contacted credit center in regards to a medical account I recently noticed in my credit report, Working with a financial counselor we mailed out a debt validation letter on XX/XX/2021. It has been over 45 days since I reached out to them and they have yet to validate this debt I don't recognize, A direct violation of the fair credit reporting act..
Consumer complaint received 2016-08-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (NJ)

Ditech and the credit bureaus are falsely reporting as of XXXX XXXX, 2016 that my last mortgage payment was on XXXX XXXX, 2016. Ditech and the credit bureaus are falsely reporting that my account status as of XXXX XXXX, 2016 is " past due. '' I have written the company, and when I called the company on XXXX XXXX, 2016 I was told that they only report to the credit bureaus every six months. It is not acceptable for the company to have false information in my credit report for a six-month period.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I opened a checking account at Chase Bank in XXXX, NY with a coupon guaranteeing a {$200.00} rebate with direct deposit. I told the clerk I was a secondary name on another chase account to ask if I still qualified. She went to a manager to check and came back with an affirmative. I complied with the direct deposit stipulation but hadnt received the rebate months later. When I asked at the branch they said I didnt qualify. I wouldnt have opened the account if the bank representative said I didnt qualify at that time. Obvious misrepresentation to get me to open an account.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is listing 2 Credit Cards with XXXX XXXX XXXX  as new accounts therefore affecting my Credit Score. I closed these accounts XX/XX/2018.
Consumer complaint received 2016-09-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

have reached out to capital one by mail and as they are4 a bank and they refuse to call me and when i do call them they refuse to transfer me t multiple depts the correct department to change and modiffy due date to reflect my social security check and i was told at one point if i call back and pay XXXX to get my account current they could change my due date and suspend al further late fees ; i also did reach someone who mentioned my credit limit was XXXX but i somehow owe XXXX currently ; capitol one case number XXXX each time im transferred they ask me to verify my identity each time ; i need you to reach out to them and get someo0ne in senior collections to process the suspension of all late feees dept and change my due date and i would like an investigation how my credit limit is XXXX and was told XX/XX/XXXX i did a atm withdrawel and in six monthsthe balance has grown by over XXXX mr XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX STATEMENT. XXXX SENT XX/XX/XXXX {$200.00} & {$280.00} TO COVER MERCHANTS NOT DELIVERED ITEMS. ( XX/XX/XXXX BOTH THESE ARE NEW CHARGES. ) ** XX/XX/XXXX TOTAL CREDITS APPLIED THIS PERIOD ARE {$910.00} ALL CREDITS ARE PERMANET FROM MERCHANTS. USAA REVERSES MERCHANTS CREDITS NEVER PROVIDING PERMANET USAA CREDITS APPLIED TO BALANCE AND USAA STEALS THE MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS. USAA FABROCATES FRAUD PLACING TEMPORARY CREDITS TO BEGIN AN INVESTIGATION XX/XX/XXXXXX/XX/XXXX ** AFTER MERCHANT PAYS XX/XX/XXXX {$200.00} & {$280.00} MERCHANT CREDITS STOLEN AFTER MERCHANTS PAID FOR UNEARNED INCOME TO STEAL MERCHANTS CREDITS AS THEIR OWN. SEE TRUTH ON STATEMENT XX/XX/XXXX.