davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (GA)

This situation is related to the Covid-19 Pandemic and the subsequent CARES ACT. 
Lender Navy Federal Credit Union ( Mortgage Arm ) Complaint : Misinformation Regarding Home Loan Forbearance of VA loan. 

Lender is not providing accurate information regarding loan modification options for specific loans to include VA loans to military members. 
Members participating in CARES where told by Navy Federal employees to make payments when possible as making payment when possible would not jeopardize the Forbearance Status. Once some payments were made the lender stated any payments made prohibited participation in the CARES modification program. Lender sent threatening letters stating CARES participant was delinquent ( even though payments were made on-time ) and the home could be foreclosed upon and negative credit reporting would be made.

Member contacted lender who stated they failed to provide updated information to members regarding VA guidance which required a 90 day delinquency to participate in forbearance program. 

Navy Federal Credit Union ( NFCU XXXX failed to process loan modification as stated. NFCU stated a missed XX/XX/2020 payment would be moved to the end of the loan term since that one month was the only missed payment. NFCU subsequently forwarded XXXX payment to XXXX, And XXXX to XXXX making XXXX appear delinquent. In reality XXXX and prior months were paid on time. 
Navy Federal Credit Union is providing false, misleading, and/or outdated information to members increasing the risk for their military member base to face credit harm, foreclosure, or financial stress during the COVID-19 pandemic. 
Individuals in both the collection department ( XXXX ) and the loss mitigation and loan modification departments ( Supervisor XXXX XXXX ) acknowledge members were provided incorrect, misleading, or outdated information regarding their loan status and mitigation options. Members are discouraged from leaving forbearance programs, and accurate details regarding the timeline and structure of loan modifications are not provided to members. 
A recorded and time stamped phone call is available on Navy Federal Systems for XX/XX/2020. Time frame for phone call XXXX. 
Member received a certified letter threatening foreclosure and or negative credit reporting for a member participating in the CARES ACT. 
XXXX XXXX removed property from the CARES program on XX/XX/2020 after failing to modify the loan as promised. 
All payments are current, but the threat of foreclosure or negative credit reporting still looms over member to whom no remedy was provided.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (AL)

I filed a charge back claim due to the company I paid not fulfilling the contract and did not show up to complete the job they were paid to do. I did not receive the money back for the work I paid them to do that they did not complete.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (TX)

We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (NJ)

Equifax did not update the Status field. The accounts are paid as agreed under the new contract but in Equifax the status field is still showing as " Charge Off '' and " Collection Account ''. These accounts were paid as agreed, under a new payment plan/contract. When Equifax shows " Charge Off '' on the status field it gives the illusion that these accounts were not paid when in fact they have been paid. Therefore the status field is a false statement as it is not the current status of the loan. If the company was paid as agreed on the secondary contract, then the Status field should reflect that. This is how the other reporting agencies handle these type of cases. Again, it is a new contract and it is ok to show under additional field section the original contract information which is " paid for less than full amount ''. However the current status of the loan should be what is reflected under the status field which is " paid as agreed '' under the new contract. 

Equifax only added an additional comment on the file which is pretty much useless because additional information is not showing the actual/true status of the loan.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

For the last 6 years, I have been trying to address two Capital One credit card accounts with the financial institution. One account ( ending in XXXX ), Capital One continues to charge two separate interest rates one for general purchases and one for cash advances. More than 6 years later, Capital One is still charging me for a cash advance that occurred in XXXX. Yet when I look at my previous statements, there was no cash advanced shown on the statement. In fact, XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX, phone number XXXX, ext. XXXX sent me correspondence showing dates and amounts of cash advances beginning in XX/XX/XXXX through XX/XX/XXXX. In addition to her letter, Ms. XXXX sent a stack a papers - which consisted of previous statements, which was a clear indication, Capital One is hiding something, " theft! '' when I try to reach out to discuss this matter - I just receive a blanket voicemail message with no name. However, when I go back to look at those statements, there are no cash advances whatsoever on at least 5 entries. A copy of this letter was supposedly sent to CFPB as well. 

I just made a large payment on this account in XXXX XXXX and Capital One is still charge two separate interest rates, which I view as interest rate gauging and illegal charges. I am aware of the most recent lawsuit in which a class action lawsuit accuses Capital One of forcing their customers to pay unfair credit card interest on transactions that have been paid off. For instance, if a consumer makes a {$100.00} purchase and pays {$99.00} of it by the next billing due date, one would expect that this remaining balance would be subject to interest. This is what has happened to me repeatedly. Capital One customers who pay off purchases, in full, in a given month are often shocked to find that they are still charged interest on their next months. Capital One for more than 6 years has been charging me interest rates per month ranging from $ XXXX {$100.00}. If I make a general purchase, then the interest rate for the cash advance increase as well - even though no cash advance was made. 

I am also experiencing this same issue on my account ending XXXX. I addressed this issue as well, but Capital One never responded to the erroneous charges where interest rates where nearly {$85.00} per month. 

When I asked the customer service representative for a lower interest rate on both credit card accounts, I was denied or told I have the lowest possible APR available. I am certain this was done out of malicious wounding as a lower rate would result in less profits for Capital One. 

Please refer to The Capital One Credit Card Interest Class Action Lawsuit is Dress v. Capital One Bank ( USA ) NA, Case No. 4:18-cv-40064, in the U.S. District Court for the District of Massachusetts ; as these same practices have been captured in the lawsuit. 
CFPB failure to address this globally is partly responsible
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (VA)

I noticed on XX/XX/year>, that Citibank had sent me an email congratulating me on opening an account. They provided my username and asked me to log in. I contacted their fraud department by email and asked the account to be closed. 

On XX/XX/year>, I received a second email saying that my debit card had been shipped and would be arriving at my address in the mail soon. I called Citibank to report fraud and get them to close the account, but they would not do so without the full card or banking account number, and told me to contact the Trade Commission.
Consumer complaint received 2022-08-26
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I have sent letters to the credit bureaus in regards to inaccurate and false accounts and inquiries that was and is being reported to my credit report. I am being taken advantage of and ignored. The consumer laws says that failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days. The accounts being disputed should be deleted now. I demand the accounts be deleted immediately or i will file for litigation due to the stress these fraudulant items have caused me with no help from the credit bureaus. My personal information was impacted by the XXXX and XXXX XXXX XXXX data breach as well as my personal information stolen from my personal possession in XXXX. 

These accounts are adversly affecting my credit report and hindering me from maintaining an accurate report and from obtaining credit. I have filed complaints with the Federal Trade commission and XXXX XXXX XXXX due to these fraudulent accounts becaus I have no knowledge of the accounts. I refuse to keep sending in letter to be told that I am not my self even though I am sending in my License, social security card and a utility bill providing sufficient identity verification AND I have called numerous times in regards to not receiving update to the letters sent! I will not wait another XXXX days to hope a response/update will come.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX Account Number : Ending in XXXX XXXX  ID : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication thank you for reaching out.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

OUR COMPLAINT I have reached out to my bank advising that i was charged an incorrect amount by a hotel while I visited XXXX. I explained that the hotel charged me {$2800.00} when i was supposed to be charged {$1300.00}. on XX/XX/21 I faxed the bank a 9 pages including, detailed email conversation with the hotel, the amount the hotel was reserved for and a full explanation of what happened.. On XX/XX/21 I then received a letter advising that the bank did not receive my documents and needed more information. I contacted the bank and spoke to XXXX with ID XXXX in disputes and was advised that on XX/XX/XXXX all 9 pages that I faxed were received and uploaded and she does not know why they are requesting more info as the letters faxed before has all the necessary info. On XX/XX/XXXX I again faxed the documents to the bank. Today I receive another letter dated XX/XX/XXXX advising that they did not receive the information and will reverse the credit of {$1500.00} on XX/XX/XXXX. This has been a problem as its the second time this has happened. when I call the bank i am not allowed to speak to the actual person working my case and a lot of communication gets lost creating a very bad experience. I have provided the bank all the info that they requested as attached below and They have confirmed receipt of this, yet still another department is stating that they didn't and making decisions on this. Again the bank reopened this and asked me to send them documents which I submitted 8 documents on XX/XX/2021 and confirmed receipt which I have attached and again they are telling me I did not send them documents. I have sent email convos with me and the hotel confirming the correct amount to be charged, statements showing the incorrect charge and the bank is disregarding them. Today they have reversed XXXX advising that they did not receive documents.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I fell behind mortgage payments since the outbreak of the pandemic in XX/XX/XXXX. In XX/XX/XXXX, I filled out Borrower assistance form per instructions from XXXX XXXX, account manager from Fay Servicing. XXXX XXXX told me that I was under consideration of deferment of payments and I had nothing to worry about. 

On XX/XX/XXXX Fay Servicing initiated foreclosure lawsuit against me by filing XXXX XXXX. I called XXXX XXXX immediately and he told me that the foreclosure was a mistake and I had nothing to worry about. I was offered deferment and my first payment is due in XX/XX/XXXX. 

I told XXXX XXXX that I will catch up all the late payments by XXXX. Please stop the foreclosure against me as I have been harassed by XXXX of real estate flippers on daily basis. 

During the phone call with XXXX XXXX in early XX/XX/XXXX, I made three monthly payments and more one payment in XX/XX/XXXX. On XX/XX/XXXX I was served with lawsuit before I had the chance to make all the missed payments. 

On XX/XX/XXXX I wired all the missed payments plus {$3800.00} recoverable corporate advance to Fay Servcing to reinstate my account. 

The account was re-instated on XX/XX/XXXX as I was told. 

Since I have been current in XX/XX/XXXX, I have made timely payments in XXXX and XX/XX/XXXX. I will continue to make timely payments in the future. 

Fay Servicing has told me that I am out foreclosure process. However, the legal case is actively against me in the court house and my entire family has been harassed by the real estate flippers. The flippers thought they can buy this property cheap before auction, they visit the property, they send mail and most painfully they call on every single phone number our family has on daily basis. 

We want to be free from this pain and suffering from this unjust foreclosure action against us. I have contacted the Fay Servicing counsel repeatedly begging her to file proper legal paper to get me off the court house foreclosure public information. It has been over two months and no formal dismissal paperwork has been filed. 

I have no additional money to hire an attorney to compel the foreclosure dismissal.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute with TransUnion on XX/XX/2020. I was informed by their telephone support representative that the results were mailed on XX/XX/XXXX to my PO Box . According to my USPS Informed Delivery account, the mail piece arrived on XX/XX/XXXX, but my postmaster says it was misdelivered to a different PO Box and can not be recovered. After another call to TransUnion. I was told that results can not be re-mailed, and that they are not responsible for post office errors.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Praxell, Inc. (AZ)

My Mango card had 4 unauthorized charges from XXXX on XX/XX/2021. I closed my card immediately and got a new card sent to me and followed the process to dispute the charges in order to have the {$210.00} ( 4 charges of {$52.00} ) returned to my account as soon as possible.

I have contacted the company multiple times by email with no resolution, and upon once again contacting them after 90 days since my original dispute, this is the response I received : " Good afternoon, Thank you for contacting us. The merchant has declined our claim for the charges associated with your dispute. We have been working with the processor to reclaim the funds.

Sincerely, Dispute Support '' Again, it has been 90 days, and Mango Disputes Support continues to stonewall me, with no return of my funds yet.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ BANKRUPTCY/ INACCURATE INFORMATION AND INQUIRIES from my credit report immediately
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (MS)

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all fraudulent accounts.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AL)

They have called every day for Months several times daily. From different numbers. While am at work and even at night. 
Called 6 times in a row on day. 

XXXX XXXX XXXX XXXX provided horrible service. I have on record with them how much of problems I had with this system it's on for the termination of the contract that I owe, because no one informed me it was a 2 YEAR CONTRACT!!
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (TN)

So I've had the crypto.com app for a while now and have been using it to start learning and investing in crypto. This past week my account got shut down and they refuse to return the funds that I have put in and acquired this entire time. I have no idea why it was locked or why they are refusing to help me. I just want my money. They say they have the right to freeze anyone 's account that violates their terms of service but I haven't read a single thing in there terms that I have done for them to close me out. The worst possible time for this to happen