davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (MI)

I applied for the Navy Federal Credit Union XXXX XXXX credit card responding to a promotion that I had received in the mail which featured a {$200.00} cash back bonus when you spend {$2000.00} in the first 90 days. On XX/XX/XXXX over the phone with XXXX of their agents, I made this application. After joining the union and answering all questions I was congratulated on being approved for the card with a $ 500 monthly credit limit. I questioned how I could achieve the bonus with that low of a limit and was told that I would have to request an increase. On XX/XX/XXXX I made that written email request as directed and was denied. I was told that increases are typically given after 3 months. On XX/XX/XXXX I then called Navy Federal and asked for a supervisor in that department. I did get a supervisor but was told that that particular department does not take direct calls. It was explained to me that it is " customary '' to give out initial {$500.00} limits. Again questioning the possibility of gaining the bonus, the agent agreed it would be very difficult but said it could be done by making many small purchases and paying them off as soon as they post. That is ridiculous as nobody works their credit card like that! I suggest that Navy Federal is running promotions with little or no chance to achieve the bonus in hopes of gaining additional customers to more lucrative parts of their business. I believe that this should be stopped. I did immediately terminate my membership with the credit union and cancel my credit card.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact XXXX and XXXX, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact XXXX and XXXX multiples time and have never received a call back.
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

This is the same issue as I reported in complaint number XXXX. 

Despite their response to that complaint in which they stated in their letter dated XX/XX/2019 that " To alleviate any future concern or confusion, we have adjusted the payment schedule to disburse just one PMI payment per month. ", they have AGAIN removed two PMI  payments in the month of XX/XX/2019. 

Since my previous complaint they have disbursed PMI payments from my escrow account on the following dates : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Clearly the company 's letter in my previous complaint was a fabrication. 

I have attached Flagstar 's letter and also PMI transaction history since the inception of the mortgage
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

My Wells Fargo XXXX Bank Account was closed, Monday, XX/XX/2024 after XXXX  years with this bank account. I have been a Wells Fargo customer for over XXXX  years. I was told this was due to my physical address not being verified ; whereas my physical address must be verified in order to open the account. I believe my physical address was removed from my account. My business account is very active with XXXX figure transactions each month. 

I didn't know the account was closed until XX/XX/2024 ; only by calling and checking what " account closed due to address verification '' meant. I went into the local Wells Fargo XXXX on XX/XX/2024, to get a resolution and was unable. The banker present also tried to get me a resolution through the small business department and was unable to assist as well. 

This closure has negatively impacted my business significantly, My business payroll relationship and my loan company. These companies I have worked with for years, are unable to retrieve the funds from my now closed account, has tarnished the relationship with other accounts. Additionally, I have a XXXX person staff that CAN NOT be paid in a timely manner due to this closure. 

Wells Fargo did not XXXX me the opportunity to retrieve my funds out of the bank prior to closure so I may have access to my funds. Wells Fargo chose to mail XXXX checks for the amount of $ XXXX in the regular mail with no tracking and no estimated date of delivery for me to plan accordingly.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NC)

I received debt from CBE. It was for an internet bill. I was never informed from the internet company or CBE that I had debt through either of them. I had set up internet with them back in XXXX of 2022 and I had cancelled my service through them at the beginning of XXXX of 2022. I talked with the internet in XXXX of 2022 and I was under the impression that my account was closed and was not informed that there were any current charges needing to be paid.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I would appreciate your help obtaining a little information about my Capital One credit card account ending in # XXXX. They have made it virtually impossible to find out when the deferred interest on a balance transfer expires and interest is charged to your account. 

On XX/XX/XXXX I transferred {$19000.00} from another bank to my Capital One credit card using your balance transfer option with deferred interest. 

This morning I have spent over 90 minutes attempting several ways to find out from you when the balance needs to be paid in full to ensure no interest is charged to my account.

I have : - Searched your website for 30 minutes trying to obtain the information.

- Checked my account statements that you provide me each month.

- Attempted to chat with your customer service team but could not find this option - Searched for 10 minutes on your website to locate the customer service phone number.

- Called and spoke with a representative. After putting me on hold several times, she finally VERBALLY provided me the information and said it would be due XX/XX/XXXX. She then offered to email it to me, which I agreed. She put me on hold again and 10 minutes never came back onto the line. I hung up. 
- Called again and spoke with another representative. Again, she put me on hold several times and finally gave me the information VERBALLY. She them told me she could not provide it to me in writing. 
- Requested to speak with a supervisor. She transferred me to XXXX in XXXX, FL call center. He corrected the previous agent and said the balance is due to be paid by XX/XX/XXXX to avoid interest being charged. He further said he would not provide it in writing. 
Mr. XXXX, this information is not disclosed on your website, it is not on my monthly statements and it is virtually impossible to obtain from your call center representatives. 

Why have you made this so hard? And why won't you simply provide it to customers in writing. It's seems to me you're hiding the information so customers end up being charged the interest. 

I would kinda appreciate you providing this information to me in writing. 

I look forward to hearing form you. 
Thank you!
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (NV)

Company contacted me saying i owe a specific amount with no proof. Threatened to affect my credit if I didn't start paying. This occurred in XXXX of 2019. At that time I just found out i have stage XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and became XXXX. I started making payments. I have to renew my XXXX with California every 10 weeks so i did not receive income for 3 weeks waiting on doctor to renew my XXXX. I informed the company but they went ahead and reported the account to the 3 credit bureaus affecting my credit. One month had not even passed and they did that injustice to a XXXX person.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (FL)

This company is XXXX. My complaints have NOT been a nuisance! I AM A FLORIDA RESIDENT. Among other things, by law, you MUST provide me with your legal grounds for collecting in my state or else remove this account from my credit report! You all have been refusing to allow me my due diligence and have disobeying consumer law! Ive been submitting complaints here to no avail partly due to your 1-STAR XXXX RATING where other consumers have tried contacting you by CALLING or WRITING and either getting ignored like youre doing here to me or spoken to rudely, ALSO as youre doing here! Want me to write to you? I will DEFINITELY write to you with a lawsuit for illegally reporting this account!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, Survivor did attempt to have adverse information removed from his consumer profile. The survivor contends that there is no online dispute vehicle to process complaints via the company 's advertised dispute center. The survivor asserts that the respondents have made the process of removing and reporting adverse information very difficult and arduous task. Survivor noted that the respondents have previously removed the requested information. Through restructuring and reorganizing, the respondents have refused to comply with the bureau. 
Survivor contends and hereby states and declares that the foregoing excerpt is repugnant to the Constitution of Pennsylvania and of the United States of America and is thus XXXX XXXX. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/XXXX, ch. 645, 62 Stat. 685. ) - [ ] Legal tender isa form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt.

- [ ] 31 U.S. Code 5103- Legal tender United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts.

- [ ] ( 1 ) 18 U.S. Code 514 - Fictitious obligations- [ ] ( a ) Whoever, with the intent to defraud draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ;
Consumer complaint received 2023-03-11
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. (CA)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00}.
Consumer complaint received 2019-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: K A P S & CO (USA) LLC (CA)

This company placed a fraudulent debt on my credit. I have never received any communications from this company regarding this matter. This debt is not mine and they are committing fraud by placing it on my credit. This is a violation of the FDCPA, and I demand immediate removal of this debt from my credit reports and at no time should this debt be re-reported.
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

Yesterday morning, friend attempted to send me an instant cash transfer of $ XXXX from his city of XXXX, NC to mine, XXXX XXXX, CA using Western Union. At the office he visited on XXXX XXXX in XXXX, he was charged {$230.00} to send $ XXXX and was told the money would be available right away. He handed over {$4200.00} -- in cash, not using a check, just plain cash! -- to the Western Union cashier. He was given a receipt with a transfer tracking number associated with it. Moreover, despite him telling the cashier how to spell my first name ( XXXX ) three times, he misspelled it, " XXXX. '' My friend called the 800 number immediately to get this resolved, and they promised to resolve it and call him right back -- and they did not do so. 

As of the evening ( PST ), four hours later, I went to the Western Union on XXXX XXXX. in XXXX, CA, gave them the tracking number ( XXXX ), and attempted to get my $ XXXX. They told me that there was no transfer associated with that number. I tried to get the cashier to speak with my friend who was on the phone from NC. My friend also sent me a photo of his paper receipt, but the agent would not even look at it. He claimed that their office is a " third party provider '' with no access to any information, and that my friend would simply need to call the 800 number. When he called the 800 number, the person on the line said that the transfer was " under review '' but they would not connect him with the unit reviewing his ( cash! ) transfer. They said they would call him within 2 hours, but that commitment was not kept. They never called him yesterday. 

Today, my friend ( the money sender ) called once again to see what was going on with his/my cash. At this point, a Western Union supervisor told him that because of the size of the transfer, it was on hold and under review for 48 hours -- a different set of excuses than yesterday 's ( the 2 hour review period ) on the same 800 number. No one had told him this when he handed over {$4200.00} in cash at the  office in NC -- they gave him the impression that it was an instant transfer. Had we known of this 48 hour delay, my friend simply would have XXXX XXXX me a cashier 's check from his bank, and I would already have it, today -- for about 10 % of the cost! 

Western Union has {$4200.00} of our money and has been deceitful about the process. They advertised an instant transfer, which is why we used them instead of overnighting a bank check. But this was a lie. They still have our $ XXXX, and they have charged us {$230.00} for deceitful service. It not only feels like usury, but at this point, with our money missing, it is plain corporate theft.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (CO)

Quicken Loans reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with Quicken Loans and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

Quicken Loans acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on XXXX and XXXX  which is preventing me from refinancing my mortgage.
Consumer complaint received 2018-12-24
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: BARCLAYS BANK DELAWARE (KS)

On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ascendium Education Group (TX)

I am a member of the armed forces that received XXXX XXXX order to a combat zone. XXXX was notified in writing and via phone along with my other two student loan companies of my XXXX and I requested a forbearance until my deferment became active due to financial difficulty ( exact dates and times can be released upon request along with all documentation ). The exact month that I left for combat I have a letter from XXXX stating I was eligible for the SCRA and additional benefits if I were in a war zone, which I was, as long as I sent my orders to them which I did. That same month XXXX sold my loan to ascendium education. Ascendium education has these loans in a defaulted status currently and did so at that time within two months of my XXXX. I was able to do research when I got back and I contacted them with no solution. I am in good standing with my other two student loans and have been who did place my loans on hold. I have researched and found out that part of one of the loans in good standing is owned by ascendium too. How can ascendium state that they didn't know anything? You can look in the national data base and see all of my loans and all of my information. You can also look into the military side of things. This is not hard. So they dropped the ball somewhere but want me, the service member to pay the outrageous interest rate prices that have accrued because they messed up. They violated the Servicemembers Civil Relief Act ( SCRA ) and did not defer some of my loans. They would not listen to me when I tried to explain even though it is in black and white when you look at my account in the department of education national data base. The collections department is constantly calling from different numbers. They call my cell phone, my work and then they are hanging up, threatening, threatening to garnish my wages. I believe this is not only harassment, a violation of ones rights and fraud, it is also a federal crime to a service members right to be protected from such actions. I have written proof. I have proof they were notified. I have proof that they own both of my student loans one in which was placed in deferment appropriately and is still in good standing. They have dropped the ball. All I have wanted was them to take all that outstanding interest off, consolidate and fix those loans, take off all those fraudulent reports on my credit so I can try to begin a more normal life again. They need to be held accountable for abusing the authority they have over individuals money and their credit. Thank you for your support in this matter.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NH)

On XX/XX/year> I received an email stating a XXXX XXXX  credit card debt of {$1500.00}. I mistakenly went through the process of setting up automatic payments in the amount of {$120.00} for the past three months, this money has come out of my account to my own ignorance. I checked my own XXXX XXXX  credit card there was no evidence that those XXXXhree months of payments had been taken out of my debt owed. I called the company trueaccord to try and resolve this issue I gave them the account number that was in the email that they sent me. They realized their mistake took my card off file so it would not charge anymore payments but they are reluctant to refund my money that they took to pay this other persons debt I have asked for hardcopy information of all the transactions they are refusing to give me any hard evidence or paperwork on this matter I tried going to the XXXX XXXX XXXX They are not a part of that association. My bank is refusing to refund the money as well, stating since I set up payments unknowingly that it is up to true accord to refund the money which they are refusing to do as well. I am stuck without knowing what to do at the moment over {$300.00} of my money gone. My bank XXXX XXXX XXXX XXXX like I said is also refusing to refund the money. It seems like no one wants to own up to the mistake that was made costing me over {$300.00}.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

On Monday XX/XX/XXXX, I went to XXXX  XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX XXXX cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Consumer complaint received 2023-03-21
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. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.