davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NM)

I called Citibank multiple times between XXXX XXXX XX/XX/2022 ( including chats ) to transfer money from my Citi XXXX XXXX account to close on a mortgage loan due to close XX/XX/XXXX. I was told so many different things by different representatives and feel I was truly misled. Here are a few of the things I was told : 1. You can't transfer money over the phone. You have to do an online transfer. 
2. You can transfer up to {$50000.00} per day. 
3. Our online transfer system is down. It is a known issue that we are working on. 
4. I can do a phone transfer for you. Please give me the routing and account number. I was put on hold and transferred back into the queue. 
5. You can only transfer {$10000.00} per day. 

I had to talk to multiple people just to get the complaint escalated into the Executive Response Unit only to be assigned to a trainee who had extremely poor customer service skills. When I asked to speak to her manager she told me no I had to deal with her. 

I finally ended up having to close my checking and savings account to get a cashier 's check so we could close on our house on time. I don't even know at this time how many representatives threw me cold transfer back into a queue to start totally over. I have no idea how many hours I ended up spending on the phone trying to get this situation resolved. I had been a customer with Citibank for 15 years. Not once did anyone acknowledge the fact that I was a long time customer. I also do not feel anyone in a leadership podition was truly made aware of my concerns or offered a true apology. 

I really would like to request every call ( or chat ) be reviewed between the dates mentioned above ( including every call segment where I was thrown back into a queue ) for quality purposes so that management can understand the opportunities they have with their employees! I also would like to receive a true apology for all I had to endure and the level of stress it caused.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

Coinbase.com is the exchange I used to buy the crypto-currency coin XRP. I stored my coins on coinbase.com and I used the coinbase vault feature to store my coins. I have been trying to withdraw my coins out of the vault, but they are stuck. 
The security feature has me approve my withdrawal through a primary email then secondary email. I click on approve withdrawal and I get sent back to coinbase and nothing happens. My coins don't get withdrawn. 
If I try to make another withdrawal then I get an error code that I have to complete my first withdrawal, even though the withdrawal cancels itself if I don't approve within 48 hours. 
So I am completely stuck and coinbase support isn't responding.
Consumer complaint received 2021-11-22
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: DISCOVER BANK (TX)

To whom it may concern : I had made two purchases from the same seller on XXXX, on XX/XX/2021 and XX/XX/2021. The purchases were for the same item, a security camera. The first purchase was made by " making an offer '', and the second purchase was done by using the 'buy it now ' option. Despite purchasing two cameras, from the same seller, the seller only shipped one camera. They initially disputed that I purchase ( 2 ), given they are a new and ignorant seller that isn't aware how to operate the XXXX platform. After numerous secure XXXX messages back and forth, they finally realize and admit that they made the mistake. All correspondence was provided to Discover during the dispute process, since the seller never returned the money for the camera they did not send. Despite this, Discover sided with the merchant, XXXX, in a highly discriminatory favor. XXXX provided Discover with a tracking # confirming receipt of the package -- clearly missing the fact that delivery does NOT MEAN EVERYTHING WAS DELIVERED. Only 1 of 2 cameras was delivered. Again, secure, original, XXXX messages from the seller admitting they didn't realize XXXX cameras were purchased was provided and still Discover chose to neglect this information and allow a fraudulent transaction to remain on my account, violating the member agreement to accurately and properly investigate and advocate for their customer.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-02
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. (NC)

On XXXX I sent dispute letters all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. I appreciate your assistance!
Consumer complaint received 2020-06-21
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. (AR)

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to Transunion, XXXX, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I am writing in because the discover card practices are unethical and are hurting all consumers I opened an account with discover I applied for the card in XX/XX/XXXX and it took them almost a month verify me and my information to open the card ok I star using the card and then in XX/XX/XXXX they ask me to release my tax information to them to verify my identity. I have never had to do such a thing for any CC company I did not feel comfortable with this I called the company they said yes the emails legit and we nee to verify who you are. I initially scanned in my SS card and DL. Then I told them I have card that have a way higher limit that did not required al the Hassel and struggle. they the said ok well Ill close your account. I asked them to escalate higher in the company as I do not believe its fair to the consumer to take a hit twice one for you to run credit them to close it. SO NO ONE CALLED OR FOLLOWED UP WITH ME THEY CLOSED THE CARD. My credit was hit again as I have a new account closed and then they added remarks closed by grantor so now that 3 total negative hits. This now has also happened to my Son account. they need to be stop we as consumers work hard to maintain or build good credit with the struggle in the economy for them to be adding extra obstacles just because they are a big credit agency is not at all fair. this is happening to many other and they need to stop and be held accountable. I rather them had just denied me from the beginning at least that would have been just one hit I would have had to take.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I was made aware by a Capital One fraud alert that there were some suspicious activity. I further need my account and realized that someone made unauthorized transactions and withdrawals. I immediately called Capital One to dispute the transactions. They then canceled the current debit card and reissued another debit card. However, I was never in possession of any debit card from Capital One because someone was stealing the mail at our residence and had intercepted the mail before I could get it. This also occurred for the replacement debit card. It was intercepted and subsequently withdrew more money and made more transactions on my account. As previously before, I was not aware until I received an alert and I then called into Capital One. Capital One decided to freeze my account and I went in and changed my password because my password had been compromised. Capital One then performed an investigation and determined that all the doodled transactions were authorized and no error occurred. They also decided to close my account and relinquish our relationship and informed me that I would not be able to open a checking or money market account with them in the future. They also told me that if I wanted any information regarding the investigation, that I would have to contact the police and they subpoena the bank to give the information. At no time was I asked to complete an affidavit or sworn statement to confirm that those transactions were unauthorized. I had to call Capital One to find out that the transactions weren't going to be reversed. I was unjustly, unfairly treated by Capital One and wasn't my money back. I've also had two credit cards that I possess with them for a few years and never had any fraud activity going on with those accounts. Why would I start work a checking account containing my own money.
Consumer complaint received 2020-06-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MA)

This is a pick a pay loan that was found by the courts to be illegal. Tried to get a loan mod since XXXX .sn.servicing sent me loan mod packet .then said we owe to much to quality. Its not my fault XXXX XXXX dragged there feet for 11 years
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$990.00} After having realized that my debit card was lost on XXXX, I have noticed 4 transactions that were placed without my authorization or consent. The transactions were placed on the dates and times listed above. I have immediately reported the card stolen and have disputed the above transactions as fraudulent. The Bank has failed to notify me in a timely manner regarding the fraud, although the account displays a pattern of large transactions within a 27 hour time frame. The XXXX XXXX did not place a security freeze on my debit card within the time that the transactions were placed, which allowed for the approval of 4 identical large transactions to acquire successful authorizations.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NC)

Citibank has done " discrimination '' to my profile by putting the restriction on my credit profile. 
When I applied for XXXX XXXX XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX, my application has been denied that the restriction has been put on my profile or social security number due to the fraud occurred on an old Citi card back in XXXX ( more than 3 years ago ). 

Since then I have had major deposit accounts including Citi XXXX checking account along with Citi XXXX Savings Account with a highly good standing. 

But Citibank has issues only with providing a credit card and has put a credit restriction. 

I want to raise it as a concern and malpractices followed by Citibank that they have discriminated me along with several others whom they think are not profitable customers.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ZWICKER & ASSOCIATES (DE)

XX/XX/XXXX : -Contacted Zwicker and informed them of the 7 months previous company XXXX refused to accommodate me. Informed them of my needs and desire to take action against XXXX to remove inappropriate derogatory marks on my credit report. 
XX/XX/XXXX : -Received info on account via snail mail. Couldn't log in using the account number and sent a follow up email with a screenshot of the error asking for assistance. 
XX/XX/XXXX : -Asked again via email for assistance to address my outstanding debt. 
-Received email back with the note that the debt was sold to another creditor, with an offer to provide more info but no actual info and no explanation for them ignoring me for 3 months. My guess is that they knew XXXX wildly violated the XXXX and they didn't want anything to do with that. However, they still denied me accessible communications the entire time they were involved. 

Meanwhile, this ENTIRE time, I've had the money to pay off the full amount. I have just been continuously and repeatedly denied basic accessibility. This wasn't an issue when XXXX XXXX was servicing the loan themselves. I purposely tested their site for accessibility before choosing them for my personal loan.
Consumer complaint received 2020-06-21
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. (GA)

I FILED A DISPUTE WITH TRANSUNION XX/XX/2020 AND XX/XX/2020 THEY FAILED TO REPLY
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Closed on conventional mortgage refinance XX/XX/XXXX with XXXX XXXX XXXX ( " XXXX '' ). 
Made 1st payment of {$1700.00} on time to XXXX on XX/XX/XXXX ( Loan # XXXX ). 
Received notice letter dated XX/XX/XXXX that loan servicing was sold to PHH Mortgage services ( " PHH '' ), which is currently under consent order with State of Georgia for failure to comply with servicing standards. 
Have received no written communication, mortgage statement, or other similar billing statement from XXXX/PHH Mortgage to determine new account number and how to make monthly payment, or to determine current mortgage balance, escrow account balance, or payment breakdown information. 
Made attempts to gather new account information with PHH Mortgage with no success. 
By consent order, PHH Mortgage must adhere to significant rules ( servicing standards ) governing its mortgage servicing and related activities as part of a Consent Order entered XX/XX/XXXX, which PHH Mortgage has failed to comply.
Consumer complaint received 2020-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion did not fix or delete the errors I presented to them. They instead elected to scan my dispute letter through their e-Oscar system and leave it at that. They DID NOT conduct a reasonable investigation per FCRA requirements. This dispute letter WAS NOT typed up by a credit repair organization. I have to say that because the CFPB keeps accusing me of using one and closing my disputes. The first attachment is the dispute letter I sent to Transunion. The second attachment is what they sent back.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Mortgage with Wells Fargo A/C # XXXX I purchased my house during initial stage and Covid pandemic and I got good deal on it. 
Since then home prices sky rocketed in my neighborhood and my house has appreciated significantly. 

I asked mortgage lender to review PMI and they sent me letter dated XX/XX/2021 and gave me two options to apprise the house to show LTV ratio to 80 % I followed broker appraisal and since house has been appreciated so much, the LTV ratio is close 60 %. 

However, lender is unwilling to remove PMI and wants me to show significant improvements to home. This seems ridiculous because technically I have more than 30 % stake in the house. The clause of significant improvements is an excuse for the lender to guarantee PMI money stream for long period. 

Besides, I have excellent credit score and never missed a payment.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

My complaint is against the Experian credit reporting agency. I tried to access my free annual credit report and they refused to give it to me, instead requiring me to provide a written request with documentation. When I provided my driver 's license as part of my ID, I blacked out my photograph and my driver 's license number because I am not required by federal consumer law to provide these items for a copy of my credit report. They rejected my request and said to resubmit my driver 's license. 

I tried to access my Experian file online but they demanded my phone number. I am not required by federal consumer law to provide my phone number for a copy of my credit report. I do not want my phone number on my credit report. 

I tried to call Experian but could not get through to anyone, the number was a pre-recorded message that only addressed credit fraud. 

I want the annual credit report I am entitled to by federal law without being harassed by this company for information they are not entitled to.
Consumer complaint received 2022-06-30
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: LEXISNEXIS (TN)

On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (SC)

Citi Bank locked my account. When I call to try and talk to inquire about the problem they tell me, We cant give you any information and then they hang up. I made a complaint with CFPB previously and they responded that they sent a letter to a verified address. I havent received any letter to my address. Looking at similar situations on XXXX and XXXX website, other consumers are stating Citi is sending letters to previous addresses. I only live and have access to my current address. How am I going to receive a letter at an address I no longer live at. Citi bank locking peoples money is a reoccurring thing. Please help me recover my funds. Attached is my bank statement from the account my funds were transferred from.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MD)

I opened a US Bank personal smartly checking account XXXX  on XX/XX/year> and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I had {$460.00} in the account. I have not received it back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.