davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have disputed a transaction on XX/XX/22 for {$32.00} from XXXX XXXX. I did not make this transaction with my capital one credit card. In fact, capital one admitted this was a fraudulent charge and sent an email alert. See attached for screenshot. However, after filing a dispute, Capital one refuses to reverse the charge and claims that the card was present. Yet, Capital One refused to provide any proof to me of the transaction. I am just suppose to take the " word '' of the representative from capital one as final. Also, there is no option from Capital One to appeal either. Well, that is NOT good enough according to federal laws regarding fair debt collection and fraud. I can tell you that I did not visit a grocery store of this name. My only suspicion is that while at the pool at XXXX resort, my card was in possession by the waitress. It is possible that someone went to a store, swiped a transaction under an fictious or alias store name, which then triggered the Capital One to identify the fraudulent transaction and alert me via email. It is possible since that is a large resort with many stands. Regardless, it is NOT possible that I made this transaction.
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit, Inc (TX)

Volkswagen Credit never disclosed my right to dispute the debt. 

I submitted a debt dispute to Volkswagen Credit. I have been told that they do not have to provide debt validation. Another agent informed me that they will not provide the documents that I requested, but she could submit what they send for a debt validation, which is a debt validation cover letter, copy of the contract and the payment history. - I still have not received this. 

I was told that they dont respond or deal with people like me who use sovereign person language. 

I have requested a notice to rescind from Volkswagen Credit and they refuse to submit the proper documentation to me. I have asked for this 3 times. 

In writing and on a recorded line, they continue to violate my XXXX and FDCPA. They refuse to disclose my documents and the information that they are obligated to.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

In 2012 Hurricane Sandy had totaled my truck. I was told that my insurance at the time, XXXX, had paid out the value of the truck and the GAP insurance would cover the rest. In 2012 I also had a XXXX XXXX so I took the information as fact and never followed up to make absolutely sure the balance was gone completely. I just had my credit pulled and it is saying they had charged off a balance on the account. I just called them to try and tell them what the situation was but they just wanted the balance and wouldn't acknowledge the fact that I had GAP insurance at all.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My school tax and city tax were incorrectly documented in my escrow account. I provided Citizens Bank with the accurate amounts for both but neither had been updated. They paid the correct city tax amount of {$3500.00} in XX/XX/XXXX but did not update the amount on the escrow account which they kept at {$25000.00}. I called the company multiple times over the course of 4-6 weeks ( XX/XX/XXXX until XX/XX/XXXX ) to have these updated and each time I was told it was in process. When I would call back, I was informed that nothing had been done yet and they would resubmit. This happened on multiple occasions. I was even told that I would have a manager call me within 24 hours to talk about this, but I was never called back. This also happened multiple times. I kept calling with frustration because my mortgage payment is off by almost {$5000.00} with these incorrect tax assessments, and I was frantically trying to get my payment adjusted to the normal amount, but Citizens could not get it together to make any adjustments. My school tax bill which is {$18000.00} which they also paid and have documentation of from the township remains at {$31000.00} on the escrow account. I finally called 2 weeks ago and was promised it would be " expedited '' or at least no longer than XX/XX/XXXX to be figured out. Today is XX/XX/XXXX and it has not been rectified and I am on the phone with Citizens again today and they are unable to resolve my issues. This is terrible customer service and business practice. They have no intention of making good on any of their promises and are causing me to pay thousands of dollars more than I need to keep in escrow at a time when not a lot of people have cash sitting around. I have no confidence in this bank nor do I trust any of their monetary practices. In what business is it acceptable to have such bad accounting practices. It is completely unprofessional. I have called Citizens so many times to resolve these issues but no one can help me so I am looking for an outside entity that can help me. I will never use them again for any type of mortgage or loan. I simply not trust the business practice or ability to manage money. Fortunately they have documentation of all the phone calls I have made with their empty and fake promises.
Consumer complaint received 2022-04-29
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: CCS Financial Services, Inc. (CA)

I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : Credit Collection Services and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (CA)

Received a phone call and they left a message threatening law suit and contacting employer etc., for a " Citi Financial '' debt that was owed by XXXX XXXX, unless I call the number they left me with a reference number of the collection notice. I have blocked the number but they keep using different numbers to call from. I have the phone number they want me to call back at and a " File number '' they left me in a message. The person sounded like a male XXXX XXXX, during the first call that I returned to number XXXX and subsequent calls were by a person sounding female XXXX  person. 

The phone numbers of these calls are as follows : XXXX XXXX - 1 XXXX other number - XXXX File Number they provided was XXXX When I called unknowingly first time to the XXXX number listed above the Male XXXX American was very threatening and telling me that they will go to my employment place or home to collect!! 

I called Citi Bank with whom i had a Mastercard credit card, and they said that my credit card balance has been XXXX  for past 4 years and that there is no outstanding balance on my card which has since been cancelled. They took down the XXXX  number from me and told me they will investigate that caller ( s ).
Consumer complaint received 2021-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax reporting agency is not complying with the fair credit act.. i have submitted atleast 4 times a dispute for XXXX medical bill for XXXX  XXXX  XXXX. Ive have countless conversation and always promise it will be resolved and yet they never look into it, they want to get me off the phone. 

In addition, i sent in my photo id. ss card to them numerous time to remove inquires that was unauthorized on my report. again no one wants to take the time to assist. 

XXXX  and XXXX  received the exact same request! and removed it off of my report immediately.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

They declined my claim for a fraudulent purchase on XX/XX/2024 for XXXX. ive been very loyal to chase and it saddens me that theyve declined my claim. Theyre removing my XXXX credit.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX # : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States 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 furnish an account without my written instructions
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

For no reason my account has been on hold for several months ND my money has been d fr several monthsXXXXthe bank sad they will not talk to me over the phone at all and I must come in to a branch which XXXX plusmiles away I went to the branch on the XXXX # th of this month to verify my identity however the correct depFtment was closed dforr they were supposed to. I got to the bank at XXXX pm they don't close til XXXX. They refuse t help meat all I verified my identity and the sill Wont release my funds at all for no reason .they refuse y re me there name r employee number so. Can reference the whole situation. Management is not willing t help me T all they said it's because of a transactions stayed was grad which is not true I never did that. They are holding my money illeally
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

Nelnet became my loan servicer after the XXXX moratorium. When the moratorium ended, they sent me a reminder last summer and offered loan repayment options. I applied for income-driven repayment in the summer but because they could not process it timely they placed a forebearance on my account. Later they told me repayment would commence in XX/XX/XXXX and then changed in to XX/XX/XXXX. I sent in the first payment of about {$250.00} which they said would be my monthly repayment. Towards the third week of XXXX, I received email from Nelnet and then XXXX  that my account was overdue. I went to the account and saw that it was credited with the amount I sent. I called Nelnet on XXXX XXXX and spoke with someone after being kept waiting for more than one hour. When I asked what was my monthly repayment amount, she said it was {$1000.00}. I told her I was told it was {$250.00}. She looked into the account and agreed with me. When I asked why my account was still showing overdue payment when they had received my payment, she looked into the account and said the amount was not correctly applied and it would take two months for that to be fixed. She said the only option for me to stop receiving the overdue notices was to ask for a forebearance until the error on my account was fixed. I asked for the forebearance which she said was processed. Becuase I did not receive any communication confirming the forebearance, I decided to send in the payment for XXXX. My account it still showing payment is overdue. My wife is also experiencing the same problem with Nelnet. They have changed the amount she is owing.
Consumer complaint received 2022-04-29
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: Torriere Holdings INC (CA)

I made a previous CFPB report about XXXX. XXXX retaliated, giving my information to the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. These two companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to XXXX who didn't hesitate to place it on my credit report. This is not a coincidence.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (GA)

I was involuntarily laid off from XXXX XXXX on XX/XX/2019. I recently contacted Macy 's XXXX XXXX to inquire if I had credit protection benefits with my card. I was advised on XX/XX/XXXX that I did and given reference number XXXX. Rep stated that I should receive mail in 10-15 days for next steps ( where to send in information, etc ). I requested to receive by email and was told 3-5 days. I called again on XX/XX/XXXX and s/w XXXX and was given another reference number XXXX. I requested for a supervisor and was told none available and that someone would call me in 24-48 hours. I have yet to receive a call back. This rep could not locate any information from the previous rep. I called again XX/XX/XXXX and s/w supervisor XXXX who once again could not provide any information and stated that she would send request to resolution team. Today I receive a letter in the mail dated XX/XX/XXXX, stating " Dear customer, we are in receipt of your request regarding your recent inquiry and your request is currently under review. Please allow up tp 30 days to complete this review. We will contact you once our review is complete. 

When I called today, the rep transferred me again to XXXX who was unable to provide any information. 

I am getting the run around as if they not want me to utilize the benefit. No form to complete, no call back, no information from anyone on why it is taking so long to receive paperwork to initiate this process. Yet, I am still unemployed and required to continue to make payments while someone reviews my claim. However, as of today, no claim has been submitted because no one can tell me if /when I will receive it. This is very frustrating and stressful. I need help in getting this resolved. I am unable to continue making payments.
Consumer complaint received 2022-04-29
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. (CA)

I made a previous CFPB report about Transunion. Transunion retaliated, giving my information to the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. These XXXX companies began harassing me almost simultaneously by phone until I sent a validation letter asking them to contact me via mail only, explain why they think I owe them, list the breakdown of the total amount I owe, and my signature on the original documents from the original creditor. I asked them to do this within 30 days. They instead reported the debt to Transunion who didn't hesitate to place it on my credit report. This is not a coincidence.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

I have had major issue with Ocwen mortgage as y loan servicing, and now they are PHH, same bad practices. But recently I had to file bankruptcy to protect my home, I purchased my home in 2007 for $ XXXX, had a refi with Ocwen which actually was a modification after was completed, and they charged me {$20000.00} after applying the payments I continued to pay into a type of escrow, I called XXXX and was advised to refinance and leave Ocwen. I tried to leave with 3 different mortgage companys but they had to stop my refinancing due to Ocwen failure to send a valid payoff. Now I have had to file bankruptcy due to the loan servicing in XXXX my bankruptcy balance with PHH is {$56000.00}, loan balance is {$240000.00} and a negative escrow of over {$12000.00} ( not sure what for ) so I owe PHH {$50000.00} more than what I narrowed in 2007, my payment that was agreed in bankruptcy was my 2007 payment of {$1600.00} but they bill me every month twice that? Is the only way to get help with the Utah Attorney General? How do I protect myself and not loose my home when I have proven several times I can make my payment but they continue to XXXX me over? I need help! I am a single mom and cant afford to loose my equity and at the same time I dont deserve to loose my equity in over inflated fees?!?!!
Consumer complaint received 2024-03-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I have several credit cards with XXXX Bank XXXX I have a XXXX card that I use for my business that had a {$XXXX0} limit. This card is vital to my business. I use this card religiously and pay it off completely as fast as possible. Despite this they reduced my credit lime from {$XXXX} to {$XXXX}. This considerably damages my businesses ability to repair houses and buy items for my tenants. 

They also have reduced my credit limit on all of their cards without warning damaging my credit score without cause.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FRESNO CREDIT BUREAU (CA)

Creditors Bureau USA has contacted me several times regarding an expense for a test conducted by XXXX XXXX that was covered by my insurance. XXXX is intentionally trying to double-bill me. On XX/XX/20, I was contacted by them again after my insurance company, XXXX, confirmed that I should not be billed for the expense. The caller lied on the recorded line and said that he spoke with XXXX and that they said that they did not cover the test. I requested not to be contacted by Creditors Bureau on a recorded line with the same caller. Today, XX/XX/20, I received an additional threatening call on a recorded line from Creditors Bureau USA even though I had requested to not be contacted by them again. The caller said that he erased my phone number, but they will continue to try to contact me even though I requested that they do not on the recorded line. Both Creditors Bureau USA and XXXX XXXX have tried to extort me for a bill that I do not owe money on because my insurance plan covered the test.
Consumer complaint received 2021-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (PA)

I have been a Citibank customer for many many years and I had applied for a personal Loans and was denied. My fellow co worker down the same and they got approved and their credit was worse than mine and I honestly think I was denied because of my XXXX and XXXX XXXX. I feel there are very unfair practices with then. They separate me by XXXX and XXXX XXXX.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

We didn't make the following purchase, however, Citi bank denied our claims. 
XX/XX/2022 $ XXXX # XXXX XXXX XXXX  XX/XX/2022 $ XXXX # XXXX XXXX XXXX  XX/XX/2022 $ XXXX XXXX  # XXXX XXXX XXXX XX/XX/2022 $ XXXX # XXXX XXXX XXXX The reason for citibank to reject our claims is that their investigation indicated that the transactions were made at a chip-enabled card reader. Our cards were with us, and we physically stayed in the XXXX for the month of XX/XX/2022, and we can provide proof of that. We never made the transactions.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (IL)

I have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

Dear cfpb, I am experiencing extreme hardship at this time. I made arrangements with Synchrony Bank and Care credit. I thought was going to be activated. One for {$180.00} the other for like {$80.00}. We made arrangement for auto pay for XXXX monthly payment for both accounts. Synchrony did not activate autopay. This put me behind, and now they are requesting double payment. I do not believe that I am responsible for that payment during the time in which they did not activate my account.. I can not afford a double payment at anytime. I asked for them to change my payment to accommodate my finical situation, so that I may be more able to honor my committed payment arrangement. I do thank you for reducing the payment to {$180.00} but the denied my request to change the payment date to the XXXX so I could be certain that the money would be available early in the month. This is the unfortunate reality of situation I'm currently experiencing. But that amount of payment is still harsh considering my circumstances.
Consumer complaint received 2023-03-24
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: CITIBANK, N.A. (NJ)

THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX