davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NY)

After an initially delightful and responsive initial period, Citibank reneged on their written promises and confirmations. I will never get a loan from Citibank nor would I ever recommend getting a mortgage loan from them. 

Earlier this year, we found a condo that we fell in love with and made an offer. After getting our mortgage shopping done, we chose Citibank because they offered us an initial rate of 3.375 %, which was fantastical and better than the rate we could get at our own bank. 

Signing a contract for 90 days after getting our pre-approval, we were ready to close and move in. From the moment underwriting began, it became a nightmare. The amount of documentation required kept ballooning again and again with each time the lender assuring us that we were complete. 

After weeks of this, Citibank 's attorneys then caused even more delays, which my attorney fixed in fifteen minutes of writing an indemnification letter. At this point, our purchase agreement had long since expired, and it was only by the kindness of the sellers that we were able to keep our considerable escrow deposit. I had multiple written assurances from the bank that the rate would be locked in at 3.375 %. 

With underwriting complete, we set a close date. Just a week and a half before the close of the property, we received an email from Citibank -- a day after they had confirmed our original interest rate -- that they were going to hike the interest up to 3.5 %. They did this because they had to pull my credit report again causing my score to drop. This hard inquiry was completed WITHOUT my permission and WITHOUT notice. 

After several days of protestations, I spoke with the VP of lending at the bank, who said there was nothing he could do. I could either pay XXXX more dollars in discount points or risk losing my XXXX of dollars in escrow by going to another lender. This was simply extortion. I was left with literally no acceptable options. 

We reluctantly agreed to pay the discount points and closed just days later, but I will never get a loan or recommend Citibank for another mortgage. They do NOT keep their written word or deal in good faith.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (RI)

We received a letter from Macys regarding a purchase on our credit card that neither one of us made. Good news is Macy 's declined the purchase so account was not charged. Instructions indicated to call Macy 's which I did and spoke to XXXX who could not or would not provide details about the purchase other than the attempt was made on XX/XX/XXXX but could not be completed. I asked if our account was hacked and the response was yes. I asked if there was an announcement about the hacking and response was no. Thought all hacks had to be reported. Account was closed at my request.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I would like to draw your attention to XXXX XX/XX/year>- I sent my complaint letter to Regions Bank, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 

I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 

I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Regions Bank never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WI)

To whom it may concern, Please I need some help here. I have not received my merchandise a Samsung tv that I ordered on line. On or about XX/XX/2016 I saw an ad on craiglist for a sansumg tv XXXX so I inquired to the phone number listed XXXX I talk to a XXXX XXXX and his email address is XXXX XXXX XXXXXXXXXXXX. He said he has just started working there and said the tvs come from California. I asked him to send me an invoice and price on priority shipping. From this email he sent me an invoice and requested I send him my credit card info.So I sent him my credit card information couple of days later I asked for the tracking number after a bunch of the run around no tracking number was sent and communication stopped. I have copies of the conversation that was via text and the invoice for the tv. Please this is a fraudulent transaction. I did n't receive any merchandise. Figuring this is an open a closed case with my credit card company. I explained to my credit card company the fraud they told me it was a dispute matter and said they would reverse the charges. Atfer doing a dispute with the credit card I pretty much got the run around with the dispute process. On the invoice it says 14 day money back guarantee. which the credit card company refused to look at it. as of right now citi closed the dispute. Talking with citi they informed me this is a taxi company. not the company on the invoice.
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (CA)

In XX/XX/year> I was approved for a payment arrangement to pay {$1300.00} on on XX/XX/year> to keep my account current, and not be reported past due. The payment arrangement was due to financial hardship that I am experiencing due to total, permanent, XXXX. Navy FCU never informed me that despite the payment arrangement due to my qualifying circumstance of XXXX that my account would still be reported as 30 days delinquent. This should not have happened. I specifically requested a deferrment due to my qualifying hardship of total permanent XXXX. It was approved but the institution deceived me by reporting my account delinquent. The deception was evident in my mobile and online banking as it displayed my approved payment arrangement while reflecting my loan to be in a current, on-time, payment status. My online/mobile banking never indicated a past due status during the timeframe that this payment arrangement was in effect, as my attachments demonstrate.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NV)

I cancelled my previous Citi Costco card earlier in XXXX XXXX, 2016 after a call from Citi fraud for a charge for XXXX cents. I was told there were no other suspicious charges. I was told to check my statement for any other suspicious charges. There was a cash ATM withdrawal for {$600.00} from XXXX XXXX that same day. I was told it would be investigated. I got a call on XXXX XXXX from Citi from a XXXX number saying they were investigating my case and wanted my social security number, and asked to send my wife 's and my driver 's license by fax. I told them to email me as it seemed suspicious. They said they would email to my gmail address on file. I did not hear anything for 2 days and called the citi customer line on XXXX. The agent I spoke to said that no one from Citi had contacted me and it was likely fraud. He told me to report it. I reported it to my credit monitoring agencies and put a complaint with the FTC and Social Security Administration. He also told me that the charge of dollar XXXX was resolved and I would be credited the amount back to my account. I signed up for extra ID theft monitoring based on what he told me that it was likely ID theft. 
You can imagine my surprise when I logged into my account on XXXX XXXX, 2016 and saw that the investigation was closed and I was liable for {$600.00} + charges. 
I make XXXX a year and as a household we make XXXX a year. I nor my wife do not need to withdraw cash from an ATM with a credit card. We are not stupid to pay a {$35.00} charge for withdrawal from an ATM. We had not even set up a PIN for cash withdrawal. 
The only reason we have this card is because we have Costco and this is their new card. 
I called on XXXX/XXXX/2016 and was told the Citibank Security Ops dept was closed. Apparently no one else can help me. Thus I am filing a complaint with the CFPB. 

Sincerely XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year>, I noticed an inquiry from Bank of America on my credit report that I did not authorize. I have not applied for any credit or services from Bank of America that would justify this inquiry. This unauthorized inquiry has negatively impacted my credit score.

After discovering the inquiry, I contacted Bank of Americas customer service department on [ insert date ] to dispute the inquiry and requested its removal from my credit report. Despite my request, the inquiry remains on my credit report, and I have not received a resolution. 

I am asking that Bank of America remove this unauthorized inquiry from my credit report and take steps to ensure that my credit is protected from further unauthorized actions.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC. (NY)

Ive been calling Santander bank since XXXX of 2023 on the status of the {$2200.00} that was in my account when they closed my checking account. Since then they claim theyve mailed out a check of my balance but I never received it! I even stressed this because I was moving in XXXX and in XXXX I gave them my new address yet I still havent received funds till this day. Its been 9 months!
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (FL)

I have mailed several certified letters to this collection agency and they continue to negatively report on an account that i have advised them does not belong to me. The event went n to threaten me to reopen the debt and sue me. to also " Be careful " how i responded to them because it could put me in harms way. That they would not stop the collections and continue to report. I have all of the documentation and communication with them.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (MS)

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX  American woman to do business in this country..... I want this and any all-other violations removed ASAP!!!
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I signed up for a grain account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, grain has reported this charge off inaccurately on my credit report deliberately harming my credit score. Experian and XXXX has conspired to allow this error to harm my credit score.

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

TRANSACTION IS BANK OF AMERICA TO BANK OF AMERICA XXXX FROM CLIENT WAS DEPOSITED ON XX/XX/XXXX FUNDS WERE DEDUCTED FROM CLIENTS ACCOUNT - in the meantime ... our account showed the check on a pending hold... on XX/XX/XXXX funds showed deposited XX/XX/XXXX again they were put on hold customer service and bank officers at XXXX XXXX XXXX do not have an explanation as to why the funds were reversed and the funds are on hold for another XXXX to XXXX hours. Bank of America is showing funds are paid from my clients account. 
this is NEGLIGENT AND AND STOPS THE FLOW OF BUSINESS WITH MY CLIENTS AND VENDORS TO BE PAID WE ARE OVER THE AGE OF XXXX AND ALSO STOPS OUR DAY TO DAY INCOME. 
BANK OF AMERICA IS VERY FAST IN CHARGING MISERABLE XXXX A MONTH WE HAVE XXXX BANK ACCOUNTS WITH BOA XXXX OF THEM BUSINESS. ENOUGH IS ENOUGH I STILL DO NOT HAVE AN EXPLANATION XXXX OF MY XXXX TRANSACTIONS WERE ALSO PUT ON HOLD FOR XXXX DAYS EACH ONE FOR XXXX AND ANOTHER ONE FOR XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, My name is XXXX XXXX. There are a lot of accounts, incorrect addresses and names mentioned on my credit report for both Transunion XXXX XXXX that I do not recognize. 

Thank You.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Thursday XX/XX/XXXX, a deposit of {$1100.00} was being put into a Bank of America ATM machine at XXXX XXXX XXXX., XXXX CA. After it took the money in the machine the screen said transaction cancelled and shut off. No receipt was given or money returned. Checking account was never credited. My husband proceeded to go into the branch and was told by the Manager that there was nothing they could do and just provided the customer service number and that due to banking error they would give us our money immediately. Called Thursday and opened a claim and asked for it to be escalated due to hardship. The money was for us to pay part of our rent. Called again on XX/XX/XXXX and was told a claim was never opened so they proceeded to open one. I asked to speak to a manager and was denied of that. Was told that a tech needed to be sent out to review the ATM machine. Called back on Monday XXXX and still nothing had bene done and was told that it was never escalated as a financial hardship so would be doing then. I've been mislead by what was being told to me. I called XX/XX/XXXX and was told it was pending for a temp credit and would be there by today XX/XX/XXXX. Money is still not credited. This is negligence on Bank of America due to their banking error and resulting in financial loss on our end. I told them i was given till Tuesday XX/XX/XXXX to pay the rest of my rent and they did nothing but mislead me by several associates. Called today XX/XX/XXXX and was told they denied the hardship escalation and would issue the money by XX/XX/XXXX. I first called on XX/XX/XXXX and i told them how can it be denied as a hardship when it was a Bank of America error. Bank of America doesn't think having to survive and pay bills is a hardship. Had an associate tell me I should have known this from when i signed the paper when i was XXXX XXXX XXXX. I'm XXXX XXXX XXXX now. It's really mind blowing how much urgency they put into situations like this and misleading all their associates are to the customers. I've been with Bank of America for 20 years and will be closing my account after this gets resolved if it ever does. My family members will also be closing out all accounts as well.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IL)

My card had unauthorized charges. Im in the military my phone was also compromised. Navy federal gave credits and took them. They are so unfair they never fight for me fdic insured and small amounts. They always charge me back. I want my money back asap.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : XXXX