davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (NY)

I have had a loan refinance pending with Flagstar Bank since XX/XX/XXXX. To clarify, my credit, income, loan to value, debt levels, etc. are all well above any minimum underwriting thresholds. Flagstar currently owns the mortgage that I am refinancing. 

I received a Conditional Approval Letter on XX/XX/XXXX. The letter had vague conditions listed to complete the loan, so I attempted to reach both my Loan Officer and my Loan Processor. The Loan Officer 's number immediately goes to voicemail every time ( dozens of calls ) and the Loan Processor 's number does not work. I have left voicemails, emails, and messages using Flagstar 's online portal service. I also have called the main line for Flagstar to escalate.

To date : From my Loan Officer : I have received 1 form email that did not acknowledge I had questions and one phone call which said things would be taken care of, but not follow up. 
From the Main Line ( escalation ) : 4 separate calls have resulted in promises that a supervisor would call back, but this has not happened. 

Over the weekend, I got a call from an appraiser ( 22 days after the Conditional Approval letter ) saying he got an order to schedule my appraisal, but then had a subsequent order to cancel the appraisal. I have no correspondence from Flagstar about any of this. 

In the beginning of XXXX, I will have my second loan payment due since starting my refinance. Flagstar, through their incompetence, is creating unfair lending practices by stretching out the length of time of their refinances so that they may charge the higher interest rates. Either that, or they are making the loan process difficult in the hopes that I will not complete the refinance and they will hold the loan on their books with the higher interest rate.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NJ)

On XX/XX/XXXX I had {$600.00}, {$600.00}, {$230.00} of my unemployment go to my cashapp account and they never made available to me. On XX/XX/XXXX another {$690.00} was sent to same account and a week later nothing to this day have been sent back to unemployment or made available to me. I logged into unemployment changed my direct deposit but my back money of {$3000.00} was sent to cashapp account giving a total of {$5100.00} and still saying they dont or dont see however I received plenty of payments from unemployment to this account so the account numbers was correct so I closed account and been asking them to sent back to unemployment so they can reissue them to my new account at XXXX bank and they refuse to as of XX/XX/XXXX
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I submitted a balance transfer from my BANK OF AMERICA credit card to my XXXX credit card.The balance transfer went to the wrong XXXX credit card. I put a stop to the transaction on XX/XX/2020 at XXXX XXXXXXXX and was told they stopped the transaction.The money was transferred regardless. I called Bank of America was told it would take a couple of days to have them reverse the transaction. On XX/XX/2020 the transaction was still valid. I called them and they opened case XXXX. Was told that they would contact XXXX and fix this situation. I called back on XX/XX/XXXX to check status was told it can take up to 30 days for them to fix the error. I called back on XXXX the XXXX for status was told the same and they assure me it was being taken care of. I called back again on XX/XX/XXXX and again was told it would take 30 days and to check back after the 30 days. I called again XX/XX/XXXX, was told by the agent that she checked with her supervisor and it was all on target for the 30 day mark. Now after 30 days I called XX/XX/XXXX and was told by an agent nothing Bank of America can do. I called back and this time the customer service agent advised that the reversal was cancelled and she could not see the reason and that she will put in the request again with the appropriate group. she also told me she talked to her supervisor and that they will take care of this.The transfer is for more than 10K. I called XXXX and was told nothing they can do to help me, that Bank of America needs to contact them directly. Please help me.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

I have reached out to bridgecrest 3 times about hardship due to the global pandemic. They emailed me telling me they will not help me and continue to harass me ( today they called me 17 times back to back ). 

At this point I am feeling threatened and scared to answer my own phone. I have told them my situation via phone and email. There is no need to call me almost 20 times a day ( from 7 different numbers ). We are in a global pandemic, I dont need this additional stress!
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (TX)

I have tried for two days to contact Experian to have unauthorized requests for my credit history removed from my credit report. I have been unable to file the dispute online using either a document or the online portal or by phone. The company does not even provide an avenue for a consumer to speak to a person even in the instance of fraud and their error. I want these unauthorized notations on my credit report removed. Furthermore no company should be allowed to be run this poorly there should be an avenue where a person can get an issue particularly in the instance of fraud addressed. If this firm is going to be a member of an essential cartel and maintain private records on private individuals they need to both safeguard this information and have a viable customer interface.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

I have submitted requested documents multiple times to this company but they refuse to acknowledge and accept them. I dont know if they are unable to see them or what is happening I was instructed to send " ( i.e. *receipts*, invoices, emails ) that *displays the merchant contact information, transaction date/time, transaction amount, and cancellation details. * '' Which I have provided multiple times and still my complaint is not being filed. At this point I feel there is miscommunication. I have requested my request for a dispute be sent to someone else but nothing has come of my complaint thus far. I just keep literally recieving the same email requesting the same details that i have sent time and time again with no further instruction or filing of my complaint.
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

On or about XX/XX/XXXX, I bought {$100.00} worth of bitcoin on cashapp. I want to make a withdrawal. They need ID which is fine. I scanned my DL and they said it needs to be a US ID. Oregon is in the US. They did, within the last year, change the design of our DL. I contacted their support ( which is only by email ) they gave me an IRL to upload pictures of my ID and a selfie of me holding it. I did this. Several days later I contacted them to see if they have received it. The email sent me through the same process. I dont think real people are answering the emails. So I tried a couple more times and got the same canned reply. On XX/XX/XXXX I received an email they are closing my complaint because they hadnt heard from me. Now they wont respond at all. I called the bank which they work with. They said they dont deal with cashapp issues. Now I am contacting you
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CA)

I have been in contact with CashApp support over the past few weeks on 2 merchant refunds that were issued by XXXX to an account I had closed back in XX/XX/2020. XXXX XXXX is the issuer of the prepaid debit card in which CashApp calls CashCard. XXXX refunded {$55.00} and {$320.00} to the debit card in XXXX and XX/XX/2020 respectively. 

I was told initially by CashApp that since my account was closed, the refunds would be returned to XXXX. I contacted XXXX last week and was told that the refunds were never returned to them and in most cases the bank will issue a check to my address if the account is closed. CashApp refuses to help me and instead insisted that I verify my identity by providing my $ XXXX from the account that I closed along with other information such as phone number, email address and mailing address associated with the account in which I was able to provide. 

They have also refused to tell me their policies for merchant refunds to a closed account. It would appear my money is inaccessible and CashApp is giving me the runaround. I have notify them that I will be filing a complaint if several solutions in which I have offered is not executed. I can't believe the obstacles I have to jump to verify my identity on a closed account. From a legal perspective, $ XXXX is not a verification criteria. I have provided my full name, mailing address, email address, and phone number along with the last 4 digits of the prepaid card. I would be happy to provide my social security information if needed to get this resolved.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX at XXXX I received a call from Bank of America with an authorization code that I didnt request since I didnt request it I got worried and went online to check my account I noticed a Transfer done through XXXX Of {$3400.00} I immediately called my husband to see if he had lost his card he said he had his card with him So I started to call the bank XXXX I was calling the bank I was still online and saw another transaction made of {$1600.00} The wait time to talk to a representative was too long and they said they were gon na call me back when he was my turn I called my husband again to let him know what was going on then I continue to call the bank until I was able to reach them made a Claim and also I made a police report right the next day which was the XXXX that same day I also called XXXX to let them know what was happening and they sold me the XXXX app XXXX business days later I called the bank and they had rejected my claim because they say all the transactions were made through my phone which its impossible because I have the phone with me Also XXXX gave me the call log for that day which show a lot of calls to the bank before I got the authorization code those calls were not made by me and also after I receive the three station code there are a lot of calls missing from the catalog like the ones I made some with my husband and the bank which I have proves with a picture of my XXXX recent call log that I did make also on my Husband call log theyre there right before I got the call with the authorization code there shows a call for 55 minutes that started at XXXX XXXX which is impossible that I have done because I was talking to my sister at that time I also have proofs of me talking to my sister for 20 minutes so that call is impossible for me to have done on the XXXXOf me I received an email from XXXX saying my Sim card has been removed I have tried many times to contact XXXX and they say they dont know how all of this happened They say its probably a glitch or they dont know how somebody else took over my phone I requested Bank of America To reconsider my claim and I also sent them all the proofs that I have that someone has been getting into my phone also I sent them the police report and I havent heard back from themI did a little research online and saw theres a lot of people complaining of the same thing happening to them so I dont understand why Bank of America isnt backing us up
Consumer complaint received 2020-05-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One in XXXX after I noticed my savings account had been closed. I was told I had exceeded the amount of withdrawals on this account, and Capital One chose to close it. The bank has no copies of its correspondence with me about this matter. I sign up for customer alerts and have received other secure messages about this account. Had they contacted me through the portal and given me an alert that this account was going to be closed, I would have been able to stop the withdrawals : It was an honest mistake where this account was linked to my XXXX account, and when my CC expired, this became the default payment for many small payments, like to XXXX or XXXX. 

It was closed in XXXX, which is the same month where I moved from XXXX  to XXXX. I never received such correspondence and have never received the check they were supposed to write to me to a new address. I asked Capital One to send me documentation and copies of their correspondence to me, and this is all they could provide : Regretfully, we are unable to obtain copies of these specific communications that would have been sent to you. However, we were able to confirm where these communications were sent to and when they were sent. All excessive withdrawal and account closure communication ( s ) were sent to the address we have on file. Communication regarding each excessive withdrawal was sent around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Subsequently, the account closure letter was sent around XX/XX/XXXX. 


** Capital One boasts about its user-friendly experience and use of technology. If it can't even provide its customers with consistent and accurate electronic communications, I think it needs to reevaluate how it serves customers and how it positions itself in the market. 

I have provided a Capital One Customer Service Manager with an updated address. I was not allowed to change it on the portal since they closed my account and I am no longer a customer. I am hoping they will retrieve that information and send me my check from my account closure soon.
Consumer complaint received 2020-05-27
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. (AZ)

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE XXXX XXXX XXXX FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  XXXX XXXX AND TO TRANS UNION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.
Consumer complaint received 2020-05-26
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: BARCLAYS BANK DELAWARE (CO)

The card involved in this issue is a Barclays US Visa. I ordered some merchandise online on XX/XX/20 which posted to my Barclays card on XX/XX/20. It never arrived. I contacted the seller on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. They initially replied to the first email from XX/XX/20 on XX/XX/20 and said it was on it's way and then they never replied again. I filed a dispute Barclays on or around XX/XX/20. They never contacted me to resolve my dispute and just sent me a letter dated XX/XX/20 saying that they were closing my case and not crediting me the {$110.00} that I was charged by the merchant since the merchant provided proof of shipment and delivery. After I did research I found out that the merchant had sent me just a swatch of fabric in an envelope ( so they could provide tracking if asked ) and not the merchandise I purchased ( I was trying to purchase a pair of leggins and a shirt ). Once I saw that Barclays had closed my dispute I sent them a letter to the address the provided in their letter with the 10 days after receipt that they requested that I get back to them if I had more information. I provided all my emails to the merchant, a photo of the swatch I received in place of the merchandise I ordered, documents showing the links for the merchant were now no longer good and a letter explaining what happened. ( I still have copies of all and am attaching below. ) I also tried to call Barclays XX/XX/20 and XX/XX/20 and could never get through to anyone. I was on hold for over 45 min and then was disconnected. I did get a call back from a dispute manager, XXXX, almost a month after I sent the letter and I explained what happened and she said there was nothing they could do as I originally opened the dispute as " no merchandise received '' and since I got the swatch it wasn't a " no merchandise '' dispute it was " incorrect merchandise '' dispute and now since it was filed that way there was no way to change it so I was out of luck. I advised that this merchant was committing fraud and they said they there was nothing they could do and the {$110.00} would stand on my account. I asked to close my account immediately and she said she couldn't do it but she would transfer me to a customer service agent. She put me on hold. XXXX then came back on the line and said they were all busy and they would have to call me back. No call yet. Of course, another delay with this company. This is what they are supposed to do as my creditor. So as of now, I have nothing accomplished with Barclays : I have to pay for the {$110.00} fraudulent charge and they won't even let me close my account. 

Barclay Case ID : XXXX Manager Call Back Case # : XXXX ( XXXX at Barclays )
Consumer complaint received 2018-07-26
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. (GA)

I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX? XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (OH)

IQ Data called me today XX/XX/2020. The representative did not properly verify who I was before going into detail or give a balance for the account in there office. I was confused. Then when I asked to set a payment arrangement I was told no because I wouldnt qualify and need to pay in full. The collector told me this would negatively impact my credit report. Also I tried to dispute a portion of the balance which show refused and said to have the original creditor refund me after I paid them? I asked for a manager who did nothing but threaten me the whole time. I offered XXXX a month on the balance of XXXX he refused and said I would be sued if I dont pay in full now. I tried to make a payment today of XXXX and then XXXX starting next month until the balance is paid other then a small amount I wanted to dispute. He told me no and told me to mail in a payment. The manager flat out told me they were coming after me if this debt wasnt paid in full today or this month. These are abusive and aggressive collection tactics and I told them that. They didnt care. I requested no more calls and valuation of debt. They are impossible to talk to and I have no idea how I will begin to pay this because they refuse to work with me in any way beside XXXX in full. Please help!
Consumer complaint received 2020-05-26
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. ()

I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX XXXX XXXX. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like 500 points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX XXXX XXXX so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.