davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2021, Venmo permanently deactivated my account due to unspecified " violation ( s ) of the User Agreement. '' At the time, my Venmo account had a {$310.00} balance. In the email notifying me about my account deactivation, Venmo also told me that they would hold my {$310.00} balance for up to 6 months, and potentially never return them to me. I appealed this decision via email on XX/XX/XXXX, and again on XX/XX/XXXX, but each time Venmo refused to return my money or cite any reason for Venmo 's actions. 

Venmo claims that their terms allow them to seize users ' account balances, keep them indefinitely, and never offer any explanation, appeals process, or recourse of any kind. If this practice is legal, hiding a provision of this magnitude in the T & C ( which users don't read ), is intentionally deceptive. If users knew of this policy, most people would not use Venmo. Under this policy, users funds are not safe on Venmo. Venmo offers debit cards, and clearly intends for consumers to use their app just as they would a checking account. 

I am not aware of any bank that is allowed to arbitrarily seize account holders ' funds, and Venmo clearly wishes to reap the monetary benefits of banking services while avoiding all of the consumer protections associated with conventional bank accounts. A cursory XXXX search shows that many other Venmo users have faced the same unexplained account closure and balance theft that I am currently dealing with. I am a graduate student with no regular income ; losing {$310.00} is a big deal for me, as it would be for most other people. In short, I am asking that the CFPB take steps to compel Venmo to give me my money back, and prevent them from doing this to others in the future.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (PA)

I have filed a dispute and it has been 30 days and I have not received any news back I have a medical collection on my account from a car accident which creditors know can not be on my credit report it violates me right and hippa.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (WA)

After resetting my password, temporary passcodes take 8+ hours to arrive. So when I attempt to login to my computer I have to plan my life a day ahead of time. XXXX   XXXX Back refuses to send me these passcodes
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On or around XX/XX/2021 we started the new construction loan process with BB & T/Truist for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.
Consumer complaint received 2022-12-17
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On or around XX/XX/2021 we started the new construction loan process with XXXX XXXX XXXX for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (KS)

Hi On XX/XX/XXXX XXXX, opened checking and saving account at Citibank. {$1000.00} to checking account, {$50000.00} for saving account On XX/XX/XXXX XXXX I received a letter from Citibank, " say they can not deliver my statement by email '', I went to my account check, and then found My all money was withdrawn by someone on XX/XX/XXXX and account was closed, but it is not mine. I checked, but my email address and phone both are correct. 

On XX/XX/XXXX and XXXX XXXX, I spent several hours to call, nobody can give me some reason and just told me my money was withdrawn and account closed. I called fraud phone, at first 2 people told me and ask me give time to check and then hang up my phone, Finally one lady told me I will receive a letter last week and express what is happen, but I don't receive this letter. I do not know how can I get this money back. so I ask you help.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XX/XX/XXXX Credit Report the same XXXX/XXXX  was showing as a collection. 

I am filing a complain against XXXX, XXXX and Equifax for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XX/XX/XXXX credit report and four years  later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

on XXXX i sent a validation letter to FCO, they failed to respond to my dispute. Under federal law this is a violation. i would like the removal of this alleged debt. 
As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Waypoint Resource Group, LLC (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

We applied for the HomeOwners Assistance Program in Wisconsin and were awarded XXXX that was sent to Wells Fargo on XX/XX/XXXX. 

They have refused to give us a breakdown of how the money was applied. 

Our Balance at the time of the Homeowners Assistance progran was XXXX with XXXX in a deferred status from XXXX. 

The payment from the state fund was to pay off the deferred amount and to pay the tax bill due from XXXX. 

Now the statement says we owe XXXX and there is still XXXX under deferred interest and they have given me the run around every time I call and will not send a breakdown. 

I believe they have violated our rights under the Truth and Lending Act because how could our balance be XXXX and they are sent XXXX and the loan balance only decreased by XXXX and they are saying we owe XXXX in back payments. 

This makes no sense. 

Please assist.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

I initiated international wire transfer from my Citibank account on XX/XX/2021. I transferred XXXX $ to beneficiary account. Beneficiary has account with XXXX  XXXX XXXX located in XXXX. 
Since money wasnt received by beneficiary, I called Citibank to get the update. They asked me to provide few more details ( IFSC Code of beneficiary bank and purpose of transfer ) and amended the wire transfer. Citibank provided XX/XX/2021 as available date for transfer. 

I contacted beneficiary after XXXX XX/XX/2021 to check the transfer status. The beneficiary hadnt received amount. 

Citibank suggested me to check with beneficiary bank. I asked beneficiary to contact his bank. Beneficiary banks manager informed that they havent received any amount for his account while Citibank said that they have already sent an amount to beneficiary bank. 

Since then, I have reached out to Citibank multiple times to get the status on transfer. I also requested to initiate trace request for the transfer but they dont provide me any meaningful update. Every time I call, they assure me that they are escalating this case with Citibank back office and will call me back with update. I receive no call or message from them and this cycle repeats. 

Last time I called, they mentioned that theyre unable to get any response from Citibank XXXX ( intermediary bank ) and dont know if fund is with Citibank XXXX ( intermediary bank ) or XXXXXXXX XXXX XXXXXXXX ( beneficiary bank ). While earlier they clearly told me that fund has been made available to XXXX  XXXX XXXX ( beneficiary bank ). 

Ive called multiple times Citibank to know the status. Ive also asked them if they need any extra information from me or beneficiary person. It has been more than 2 months since I initiated the transfer. But I havent received any solution yet.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, XXXX, transunion, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (MA)

My American express with XXXX XXXX had a balance of XXXX ... .I was on a payment plan of XXXX a month. In XX/XX/XXXX payments were made... XXXX for XXXX and XXXX for XXXX ... this brought the account to paid off status..in XXXX they still withdrew the XXXX... even tho the account is paid. My understanding is that I should be reimbursed ... ..when I speak to the agents one states I owe XXXX ... ..another said I overpaid by XXXX cents .... it is my understanding that I overpaid my account and I want to be reimbursed
Consumer complaint received 2021-10-04
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. (MO)

I have disputed an accountt with XXXX XXXX ( Formerly XXXX ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX has payment status reporting for XXXX as `` not more than two payments past due '', TransUnion as `` 30 days past due '', and XXXX as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, Transunion as XX/XX/XXXX, and XXXX does not have a close date reporting. XXXX actual report has late payment reporting XX/XX/XXXX, Transunion 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XX/XX/XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/XXXX.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

In 2010 Bank of America opened illegal account without my consent and has been committing wire fraud and mail fraud relevant to this account for over 12 years now, very similar to the illegal accounts opens by XXXX XXXX that you sued recently.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

This complaint is for validation of the alleged debt within 30 days. The company RMP LLC is on my credit report reporting an alleged debts of {$100.00}, {$510.00}, {$370.00}, {$510.00}, {$220.00}, {$67.00}, and {$53.00} the company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX I contacted Citi Bank to close my checking account. At that time all funds became unavailable and I was told they would send me a check for the outstanding balance. 

It is now XX/XX/XXXX and I still have not received the funds from my checking account. 

I have contacted Citi Bank no less than 13 times ; 9 times via their online chat support and 4 times via phone. 

Each time I've been told the account has been closed and that funds would be mailed. However, I've been given different time frames for the issuance of the check ranging from " 1-2 days '' to " 30-60 days ''. I've also been told that the delay is due to a 'fraud hold ' for which I've contacted Citi Bank twice ; each call has taken at least 60 minutes to complete and each time I've been assured that the hold has been lifted.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc. (OH)

XXXX  XXXX  hosp/ XXXX XXXX XXXX XXXXeleased personal information to a third party that breached HIPPA laws in an attempt to collect a medical bill. The third party is CMRE financial services. The date reported is XX/XX/2018 in the amounts of {$280.00} and {$290.00}. I requested validation of the debt CMRE reported I owed and the company sent me an itemization of private medical records that I never authorized for release.