davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-20
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. (CA)

On XX/XX/XXXX I filed a dispute with Equifax in regards to two tax liens that are on my credit file. On XX/XX/XXXXunder confirmation # XXXX reported that they had verified the information and used XXXX to validate this information. Equifax purposefully does not properly validate the information. 

They claimed to use a third party XXXX to verify information but have also failed to even do this. Even though using a third party to verify any information is not allowed under the Fair Credit Reporting act. What is truly very bothersome is the fact that XXXX themselves have vacated reporting this improper tax lien/public record information. As evidence, I am including the proof that XXXX has removed this invalid information from their records. The letter I received from XXXX was from XX/XX/XXXX. This clearly shows that XXXX had purged the tax lien/public information from their records. So that Equifax could obviously not have correctly validated this information with XXXX after my dispute of XX/XX/XXXX. 

I have also contacted both the County Courthouse clerk and IRS. None of these enitities or government officials have provided Equifax with any information and they have assured me that Equifax has also not made any attempts to verify this information at either the county and further, the IRS do not supply information to credit reporting agencies themselves. So Equifax is in full violation of the Fair Credit Reporting Act. 

So in other words Equifax continues to report incorrect information on my credit file and continues to not properly investigate and validate information. 

Further, after XX/XX/XXXX, the credit bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the ... Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. Equifax has and continues to violate the FCRA and federal government demands to clean up their act but they continue to damage myself and people of this country. 

I demand that this non-validated information be removed from my credit file immediately. 

Equifax has made not attempts to Validate this information and the source of the verification that they are attempting to use is a third party ( XXXX ) and even XXXX does not have this information in their records.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I wired {$20000.00} to Coinbase on XXXX XXXX 2017 and within a week they rejected my wire due to the names on the account not matching. I have yet got my money back after several calls and emailed to XXXX and to their bank in NY.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/XXXX i got a secured credit card from bank of america. I was required to put down a {$500.00} deposit to open the account. About 3 or 4 months ago I applied for graduation to unsecured credit and a return of my deposit. The banker told me that not only were they not required by law to give me my money back, but also I would only get {$250.00} back and not the original {$500.00}. I was declined for the graduation and today XX/XX/XXXX ( call started at XXXX EST ) I was told by a customer service rep that I was " pre approved '' for graduation and that I would definitely get my deposit back. Then she said it was only going to be {$99.00}. Something crooked is going on and Bank of America should not be allowed to just keep peoples money like this.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB, the payment on my Capital One credit card ending in XXXX was due on XX/XX/2018. I paid it the day it was due XX/XX/2018. As shown in the attachments. 
I was charged a late fee. 
Request to refund the late fee as well as minimum interest charge that was accrued on the the late fee.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My debit card was skimmed somewhere in XXXX Florida, I had contacted the bank when I noticed the activity, but they were quick to only take 3 of the charges, I had to complain and have them do the rest of them, now in mean time i overhear the same thing with a neighbor how there card has been used and it was also still in her purse, so we both got talking and come to find out a machine at the bank had a skimmer on it, which allowed them to obtain our information, the bank refused to give my money back and has taken off the contact option online for me to deal with them, under my aggreement they are liable for that and the other claims and yet are very quick to deny any fault, but when two months before I hit the wrong pin code they locked my card and gave me nothing but a hastle, and also at that time i changed my address which they did not do as well all this activity was not my spending habits, and they said that they do not have to contact me for anything and declined to pay my money back, this is unjust Bank of America is really bullying everyone
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX Bank XXXX XXXX accounts reported past due. Account reported open XXXX with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I closed on a refinance XX/XX/XXXX. My loan was funded XX/XX/XXXX and my previous lender, Dovenmuehle Mortgage, was paid off. They were holding an escrow fund of {$4300.00}, which was to be mailed to me within 2 weeks. As of XX/XX/XXXX, I have still not received a check from Dovenmuehle. I have called their desk 4 times and requested them to reissue a check. Each time, they stated the original check was mailed XX/XX/XXXX and that their policy was to wait 30 days from issue to resend the check. Escalating to supervisors did not change their response. 

When I called today, they stated they would send another check with no tracking number. If I did not receive it in 30 days, I could call and have them re-issue a check. When I asked for them to overnight the refund check, they stated it would have to be escalated to another department. I would receive a response with 24-48 hours if they would decide to overnight the check. 

These are all classic stalling techniques. I do not know if Dovenmuehle is a solvent entity since my mortgage was purchased by them without my knowledge or consent. It is unacceptable that they can hold on to {$4300.00}, stone wall me, and refuse to expedite service when they are in the wrong.
Consumer complaint received 2018-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America seems intent on charging us for additional flood insurance coverage on our property that they hold the mortgage on. This is a yearly struggle in which they send us numerous letters stating that the coverage is insufficient and stating that they will charge us roughly {$2000.00} for additional coverage. In the most current year we have been working with the property 's insurance company, XXXX, to supply them with the information since XX/XX/XXXX. While the property ( which is a multi unit resort ) coverage has not changed substantially in the ten years we have owned our condo unit, BofA annually sends us these letters threatening to charge us for unneeded coverage. This past year they have made the process even more difficult. Below is a copy of  the letter I sent them today. 

We have just received the sixth request, dated XX/XX/XXXX, from you for flood insurance coverage on our condo located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX. We and our insurance company, XXXX, have supplied you with this information multiple times so far, yet cant seem to satisfy your need to attempt to charge us for additional coverage, which appears to be your goal. These notices date as far back as XX/XX/XXXX, and we have responded to each and every one with the information requested. 

As recently as XX/XX/XXXX both I and our XXXX representative spoke with your department in an attempt to determine what was still needed, and to supply that information. On that date, XXXX faxed you the entire flood policy for the building that our unit is located ( there are three policies in total that cover the entire resort ). I was told by one of your representatives that this was all that was needed, just the policy for the building that our unit was located in. He could not explain why we seem to have had more scrutiny regarding these policies than in years past, when a policy declaration sheet was sufficient to satisfy your department. Not that it hasnt taken months in past years to satisfy these requests, but this year has taken six months to get to this point, and you still arent satisfied. It certainly appears that upselling additional insurance is the goal here. The basis coverages provided by the resorts insurance company have not significantly changed in the ten years that we have been dealing with these annual requests. 

The latest request indicates that the flood insurance coverage is insufficient, and calls for additional coverage at a cost of us of {$380.00}. This is exactly the same request that we received in a notice dated XX/XX/XXXX, and was responded to by XXXX with declarations in early XX/XX/XXXX. How is it that now we are receiving yet another request? 

This latest request follows another one just received, dated XX/XX/XXXX. In that one your department threatens to charge us {$1900.00} for additional flood insurance coverage. We responded to that exact notice dated XX/XX/XXXX in XX/XX/XXXX as well, and again on XX/XX/XXXX as outlined above.
Consumer complaint received 2018-01-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. 
On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. 
Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. 
Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. 
To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. 
I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. 
On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. 
We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (CA)

It all started sometime back in XX/XX/2013 when I was a loyal and good customer of 3 banks  : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , & XXXX XXXX. I had my bank accounts at the three banks including my 3 checking accounts that this complaint is in reference to. On the same week in XX/XX/2013, a very small mistake was made at the 3 banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. The same happened at XXXX XXXX XXXX. Before I was able to return back to XXXX XXXX to resolve the issue, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Early Warning Services. I have resolved the issues with all 3 banks and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Early Warning Services to remove the negative reporting. I also sent these letters to Early Warning Services as proof. Early Warning Services has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Early Warning Services has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Early Warning Services database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My XXXX XXXX has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Early Warning Services. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I applied for and was approved for the Chase XXXX XXXX credit card. After receiving my card in the mail, I attempted to link the credit card with my existing Chase bank online account. I have been banking with Chase for 12 years so when I received multiple errors, I called Chase for support. They informed me that I would have to go in person to a branch to fix the problem. I went to the branch in XX/XX/XXXXand told them my situation. They said that the social security numbers on my accounts do not match and to fix that problem, they gave me a form to fill out at the branch. I filled out the form and the banker took it and told me that my accounts are now linked. From XX/XX/XXXX - XX/XX/XXXX, I received no notice that anything was missing or that Chase needed anything from me. In XX/XX/XXXX, I noticed all my bill pay was being rejected or returned. I personally called Chase on XX/XX/XXXX to see what was wrong with my accounts and they informed me over the phone that my accounts are now locked due to missing information regarding my social security number. The person on the phone informed me that I must fill out the necessary forms at the branch and have them scan it right away so that my account can be unlocked. I went to the Chase branch on XX/XX/XXXX. I waited ONE HOUR before any bank teller could help me. I told him my situation and he gave me another form to fill out. I completed the form and was told that it would take 3-5 days before my account can be unlocked. I waited until the 5th day and on XX/XX/XXXX, I called Chase again. They informed me that there was still a form missing and that the banker did not give me the correct forms to fill out, as a result, my accounts will all be closed and there was nothing I could do about it. I told the lady on the phone that I really needed my money so that I could pay bills because it was the beginning of the month. She informed me that if I called back in the morning, I could ask to have my check overnighted to me so that I would not have to suffer late fees as a result of their errors. I called back the next morning and was informed that the check was already in the possession of UPS and there was nothing they could do.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

Chase mtg reporting account XXXX as XXXX owing and 120+ days past due. It reports open X/2007 with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with Chase mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all 3 major reporting agencies
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a business checking with truist bank. I opened an account with truist on XX/XX/year>. I funded the account with {$100.00} dollars, on XX/XX/year> I XXXX {$100.00} dollars from my truist account into another account. Literally since that day I have yet to use the account of even made any major deposits into my account. I play on splitting deposits from my other existing accounts and this one but before I had the chance my someone obtained access to my debt card and charged {$80.00} from a merchant called XXXX on XX/XX/year>. Again I have yet to fund this account or make any deposit since that initiation date of XXXX the account balance was at {$0.00}. So you would understand how Im surprised as to how anything would be charged on an account that has a XXXX balance at the time. I called truist to let them know whats going on, they make a claim only to have found out that on XXXX the claim was reversed. Now I ask myself how can that be when i literally did not make any purchase they said the reason was because i authorized it simple as that. No proof, no evidence just that i made the purchase. This is beyond preposterous and ridiculous it makes absolutely no sense. On top of me being charged for something i did not authorize I was also hit with a over draft/ returned item fee for {$36.00} dollars which makes even less sense when there were XXXX dollars on the account to being. This is proof that everyday these companies have less and less respect for customers who empowers them and keeps them running everyday.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On late XX/XX/XXXX I made a cash deposit of {$2500.00} into my Chase Checking account at a Chase ATM located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States The ATM malfunctioned screen went blue saying : transaction cancelled and returned {$700.00}. Then it spit out my card and kept {$1800.00}. And didnt log it into my checking acct. I double checked my balance and immediately called the 1-800 number on my atm card for assistance from customer service. They took a report and said that the funds would be put into my checking acct. 
that did not happen! 
The next day I went to the branch manager at the XXXX branch of the bank and she was very helpful and they put the {$1800.00}. Dollars into my acct. several days later they removed it without notice on XX/XX/XXXX at midnight. 
That put my acct into a negative balance scenario they have exploited the scenario to charge me over and over again fees and charges. Ive tried to speak with representatives at the branch and they want to help me but refer me to claims on the phone and the representatives on the phone are very rude and refuse to listen to me. Subsequently I pass by that atm daily and even though they insist the ATM was checked and my funds were not found I caught them replaceing the entire ATM in XXXX XXXX and took pictures. 
I immediately went back to the bank to discuss once again they put me on with claims the representative refused to identify herself except by first name XXXX and she told me the claim was over the money was not found that she could not help me and that they use a third party vendor for their ATMs and maybe I should contact the third party with questions about the incident. 
This situation ruined my holiday my kids holiday and now threatens my credit score and I need help please.