davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

So I have a bbt credit card. The bright one. U went on vacation and stop and used it at several gas stations. Got back and noticed a fraudulent charge for XXXX. Reported it to XXXX XXXX. They disputed the charge and sent me a new card. They did not say they were going to close the account and open a new one. When bbt did this. It dropped my credit score significantly. I need help resolving this issue. Please contact me at  XXXX. thank you.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I checked my credit file recently and noticed a drastic decrease. The decrease was due to a closed navy federal card. No one from navy federal notified me that my card was closed. Several months ago I was unable to use my card. A representative told me the card was closed temporarily and will reopen after 10 days. I still have access to the account information on my mobile banking but I am unable to use the card. I filed a complaint against navy federal and asked that a supervisor calls me but no one ever reached out to me. I am a XXXX XXXX and any drastic changes to my credit file and score will negatively impact my ability for any XXXX loans. I have filed disputes against merchants with navy federal and instead of investigating my disputes, baby federal closed those disputes. Those same disputes were filed with my other bank against the exact same merchants the same time I filed with navy federal. My other bank communicated with me by phone and email every step of the way. When new information was needed they called me to request information. They did their investigation which resulted in my favor. My funds were refunded back to me after their investigation was complete. Navy federal fails to do investigations. Instead they close the disputes and close my account.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NJ)

I have opened Citibank Account Package ( including interest checking and savings accounts ) and enrolled to Citibank {$400.00} Checking Offer. 
Owner of the eligible accounts must make the Minimum Deposit in New-to-Citibank Funds, within 30 calendar days of checking account opening according to the Offer Terms and Conditions. 
I received only a banks confirmation letter dated XX/XX/2020 to prove my checking account opening. I didnt receive any other information of account opening, which is confirmed or contained a particular date. 
Based on this date i made a minimum deposit of {$15000.00} ( wire transfer ) on XX/XX/2020 which was the latest appropriate date within the 30-day period. 
However my first bank statement indicated statement period from XX/XX/XXXX to XX/XX/2020 that means my accounts was opened on XX/XX/2020 and Im not eligible to the Offer because my minimum deposit was late. 
Thats absolutely doesnt match all the information bank provided for me. 
Citibank doesnt provide me with important information about my accounts on time, all procedures during accounts opening was confusing and not clear to understand my rights and obligations. 
I tried to talk about the issue and wanted to confirm my eligibility for the Offer with Customer Service by email. Citibank representatives refused to explain my eligibility and didnt resolve the problem. 
Citibank answer : We understand your promotion eligibility inquiry. You will need to wait the promotion fulfilment time frame, which is up to 120 calendar days from the date to all the terms and conditions were met in their entirety.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Dear CFPB : In a conversation with several staffers from Citibank, I was informed by credit card payments were placed on hold because there were of large values. Keep in mind I made a payment of {$5.00} on XX/XX/XXXX and {$600.00} on XX/XX/XXXX. I contacted my bank after the monies were withdrawn by Citibank. Its XX/XX/XXXX and the balance is incorrect and Citibank refuses to update the correct balance. In addition, Citibank informed the credit bureaus that my available balance was still below {$300.00} which is well above {$1000.00}. Citibank has failed to provide me in writing the reason ( s ) for said hold and I've reached out to them on three separate occasions to no avail. I have submitted a separate CFPB complaint about a similiar situation in early XXXX, when Citibank representative XXXX informed me this once occurs once a year to all their clients well apparently this is the fourth time a payment was delayed to be reflected on my account for more than 2 weeks. 

I'm seeking an immediate release of all funds and an increase of credit or {$600.00} worth of credit applied to my account for the inability to use my card and the incorrect reporting of my balances to the credit bureaus. 

I'm also requesting CFPB investigate Citibank unethical and scandalous withdrawal processes.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond.. Portfolio Recovery Assoc FALSELY is listing on my report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them. I submitted a complaint for this through the CFPB website and they sent me a generic letter stating I owed this debt as proof and that it was a XXXX account. I have NO XXXX accounts and those have already been disputed and taken off of my credit report years ago. Nevertheless, Portfolio Recovery continues to report for many many years that I have not been making payments to them. I will not make payments to a company I know nothing of for a credit that I did not owe and has been already disputed and removed. Portfolio Recovery this is reckless and fraudulent practice. You should not be able to damage people and their lives this way.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts have Inaccurate and erroneous information on my credit file. I have n

otified Notified Trans Union on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. They have not verified, any of the debt that they are claiming belongs to me. I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One. XXXX XXXX an account was opened. That account ended in XXXX. 
After a XXXX XXXX payment was recorded as late the card was paid to {$0.00} and then not used. 

In XXXX XXXX or XXXX XXXX Capital One marked the account as closed. 

In XXXX an unsolicited offer of credit was made with an account number ending in XXXX. 

Capital One is now claiming the XXXX account is the same as the closed XXXX account. 

Capital One and its XXXX alleged XXXX attorneys refuse to provide the contracts used to create the XXXX account.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

I was charged XXXX in interest fees in XXXX. I was also charged {$5500.00} in XXXX. 

All these interest were resulting directly from ( 14 ) disputed disputed transactions, and ALL interest was legally to be refunded / removed from the account. 

Wells Fargo did refund me the actual amounts of the 14 transactions in XXXX & XX/XX/XXXX, but none of the interest were removed except for a small {$310.00} interest credit. 

I have complained several time about it to no avail. last time XXXX responded to me in a letter that all interest were adjusted as shown on the statements between XXXX and XXXX XXXX but this is factually incorrect as the 14 credits I did receive on the account are only the original amounts of the 14 disputed transactions, but no interest were adjusted ( except for 1 credit of {$310.00} ). i latter spoke with Wells by phone, and after the rep realized he was wrong, all of a sudden he changed the excuse to say that i was not entitled to a refund for the interest credit because I never paid for the interest. that's also not true because the 14 disputed transaction credits were applied to pay off the entire outstanding balance which balance included the {$23000.00} interest that accumulated on the account since XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2020-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: American Student Assistance (MA)

In XXXX I went to college took out students loans has some difficulty sometime paying them I was a divorced at that time I finished college since XXXX I have paid my loan on and according to jobs and job loses. Now here we are in XXXX. 

I borrowed XXXX XXXX paid back XXXX XXXX towards the loan paid back XXXX XXXX in interest and still owe XXXX XXXX plus more interest They started to garnish my pay take my taxes and that is when I tried to do bankruptcy I am now pulling out of bankruptcy because they can not discharge a student loan. 

It is very unfair for a loan to to charge me over XXXX XXXX for a XXXX XXXX loan How can I go about getting involved in a class action suit against them taking advantage of me. They are nothing but predators, putting me deeper and deeper in debt when in reality, My loan has been paid off almost 2 times plus. I need some help
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2017 I deposited {$960.00} to the new Chase atm in XXXX XXXX, Florida. The machine made a whirring sound for a few minutes and then stated that there an error and the atm gave a receipt. 

Sequence # XXXX " Deposit to Chk Acct XXXX This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase bank or call XXXX ''. I did NOT leave the atm for about an hour, while I called the number and spoke with a representative that claimed she would credit my account {$960.00} within the hour while the issue was under investigation by the claims department. The money was not deposited the next day so I had to call back & the claims department saw no record of that being told to me. They credited my account the {$960.00} and took information from me in case they had to reach me for any questions concerning the investigation. 
XX/XX/XXXX, {$960.00} was taken out of my account without any notice from Chase Bank 's Claim Department. I called and was told that there was no money in the atm and the claim was denied. I was also told that they would not look at the camera. I went INTO the branch & the branch manager,  XXXX, said she would personally look into it. She called the Claims Department and faxed over the receipt that stated there was an atm error with my deposit. The " Escalations '' department stated that they would resolve the issue in 24 hours. They did not. The branch manager called back and they told her they never said that. Even the branch manager stated that she has never seen such incompetence in 15 years at her job. The Escalations Department then claimed it would take 7-10 business days. I have no heard anything and called them today, spoke to 4 people in 20 minutes and finally spoke with " XXXX '' who stated it was against company policy to give an agent #. XXXX told me the claim was denied, that they looked at the video and did n't see anything which is a LIE. So either, the guy who checked the atm stole {$960.00} from a single mother who had never over drafted or Chase Escalations Department defrauded me out of {$960.00}. I do  not understand how this is even remotely acceptable. XXXX told me his supervisor would call me in 24-48 hrs to tell me  what he already said. I told him I wanted this resolved and he said the issue was resolved but I just did n't want to accept it.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-05-01
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I did not make the citizens bank inquiry on XX/XX/2019 and reported it as fraud to citizens bank immediately and disputed the inquiry with XXXX and XXXX did not remove the dispute.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

The lender approved this clients file for a streamline modification and only provided this information to the clients XXXX XXXX - the client nor our office was made award of any approvals - the lender took it upon themselves to only provide this info to the XXXX XXXX - The lender refuses to speak to our office even with the XXXX XXXX letter that has been provided giving us consent to speak on the clients behalf - The lender also has out TPA and still refuses to speak with us - the client was approved a few weeks ago and got a denial letter from the lender due to the XXXX XXXX not accepting the terms of the approval - No only with this NOT his decision to make, but the client XXXX and XXXX XXXX were NEVER made aware of the approval or terms to accept or deny the modification. We feel the lender is not handling this file as it should be to assist the client in the best way possible.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

For four weeks ( starting around XX/XX/2020, if not before ), I have been unable to access my HSBC US checking account either via the website or via the HSBC US mobile app. Consequently, I am unable to check my balance or perform any other operations, which is especially difficult at a time of such uncertainty. 

I have been making almost daily attempts to access online banking. I get as far as the prompt to enter my user name. After clicking Next, I get a generic error message. On the website, this message reads simply : Error Occurred The system is currently unavailable, please try again later. 

On the mobile app, it currently reads : Service unavailable We're sorry, this service is temporarily unavailable. Please try again later. XXXX ( For a while, it previously read along the lines of ERR_GENERIC_NO_TITLE. ) On Thursday, XX/XX/XXXX ( over a week ago ),  I contacted HSBC via the online chat. After being asked to provide some likely irrelevant information such as whether I had tried using a different web browser, I was told that the issue was not down to any problem with my account, and that it should be fixed within one day. Since that time, I have not received any contact from HSBC, and the issue persists.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: E*TRADE BANK (TX)

I originally received an insufficient funds notice from E*Trade and I do not have an account with them. I then pulled a XX/XX/XXXX consumer file and indeed had an inquiry from E*trade on there. I called E*Trade and they advised me that I do not have an account and that nothing exists. I then wrote a formal dispute to E*trade with the letter attached and the consumer file and have yet to hear back. Getting someone on the phone to help is very difficult as well because I do not have the account number in question. Please help me resolve this account and make sure that it does not impact my consumer file.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX our area was significantly impacted by Hurricane Irma and declared by FEMA as eligible for individual assistance. My home mortgage is owned by XXXX XXXX and serviced by Bank of America. The assistance program is established for federally backed loans to provide relief from Hurricanes Harvey and Irma. 

An overview of this program is included for your convenience. Available at https : //www.fhfa.gov/XXXX The effect of the storm has caused significant and immediate loss of income and moderate damage to our primary property/residence XX/XX/XXXX. I made my initial request for Forbearance to Bank of America. They stated that they would forebear the loan until XX/XX/XXXX with a credit hold. They then explained to me that I would have to repay the entire amount of the past three months and the month of XX/XX/XXXX. I explained that this was incorrect and did not follow the program. 
XX/XX/XXXX I called BofA mortgage assistance program and talked with XXXX XXXX who then transferred me to XXXX XXXX. During these discussions, I explained that Bank of America forbearance program does not meet the federal guidelines. They again explained to me that they would forebear the loan for 90 days and at that time I would be responsible for repaying the entire back amount and the monthly payment in XX/XX/XXXX. They also explained that the credit hold would take place during the forbearance but then the credit hold would be removed and the loan would report to the credit bureau. In essence, they are going to increase the balance due on the note for 90 days and then make it all due. They are then going to report to the credit bureau that I have an unpaid balance that is past due. 
I explained the federal guidelines published by the XXXX XXXX I clearly stated to the representative that Bank of America is not following the Federal guideline. 

I am requesting 6 months forbearance without having to repay the mortgage all at once at the end of the 6 months as per the federal guidelines.