davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have multiple business accounts closed by Bank of America in XXXX XXXX. Because my account was hacked 3 of our accounts and someone made a lot unauthorized wire transfers. BOA traced back those wire transfers and told me due to security reason they decide to close all our accounts. 

After account closed, we have two more transactions occurred, one is card payment refund $ XXXX. Second one is XXXX XXXX loan around {$750000.00} at XX/XX/XXXX. We already emailed XXXX that we changed bank account before, but XXXX still send money to our old BOA account. 

Ok, I start to a long journey to contact BOA to ask them release those fund. In the first I went to local BOA branch and banker told me they can not do anything and they have to call back office to see that found is returned back to XXXX or cleared by BOA. 99 % will return back to XXXX. Because my account was closed. But XXXX days later I can still see the amount is in my account. I keep calling BOA, the account closing department is the only department in-charge this kind of case. They told me those found is already cleared and right now is in BOA 's account. But I can not use it or withdraw it because our account status is closed. The only thing they could do is submit to close our account again and bank will issue cashier check automatically to our office. The estimate closing date will be XXXX. XXXX XXXX. 

I have no choice only wait. When I called XXXX. XXXX, they tell me the closing date changed to XXXX. XXXX. At XXXX. XXXX, it changed to XXXX XXXX. At XXXX. XXXX, it changed to XXXX. XXXX till today... almost 2 months. Again and again, BOA have no any explanation for why they hold our money for so many days. Just told me only the back office can approve fund release and they have not response my application at all. No one have their contact information inside BOA system. No one can get contact with back office. No one can give us a certain closing date. No one can take responsibility for the XXXX loan delay. We have to pay interest for the loan and BOA definitely will not pay the interest for us. 

On XX/XX/XXXX, BOA added - {$880000.00} on my account, still not issue cashier check. Like every time, no one could tell me what's going on and when will they close this account. 

BOA just kept those money does not belong to them and give XXXX to their client. I searched online for how to sue a bank like BOA, but unfortunately, no I can't, because of there some rules in agreement signed when everyone open account. I have nothing to do with XXXX fund in BOA, that fund is for save our company but now I can not touch it. I know this kind of things are not common to each business checking account. But for our business, those fund could help us a lot. I have no idea when we could get it.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair Credit Reporting act XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I'm writing to discuss a problem I found on my credit report. It says condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Consumer complaint received 2022-03-17
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. (GA)

In regards to the XXXXXXXX XXXX XXXX XXXXXXXX account listed on my consumer report. Ive allowed XXXX, XXXX and Experian a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (PA)

Good morning, I had to increase my Insurance coverage, so I had an additional premium that was due outside of my yearly premium. Originally when I received the bill, I noticed it had the wrong Mortgagee clause still ( my loan was sold from XXXX XXXX to Dovenmuehle. ) I faxed the bill to Dovenmuehle and called on XX/XX/XXXX. They stated with the bill being due on the XXXX, it wasn't enough time to pay out of my escrow account ( which I understood. ) I called my agent and explained the clause was wrong and I was going to pay out of pocket. They updated my policy and with this update, they faxed the bill to Dovenmuehle and  changed the due date to XX/XX/XXXX. I called Dovenmuehle back to explain that I was going to let the bill be paid out of escrow, since it was enough time. They stated they'd do this. 

I called back on XX/XX/XXXX to check the status. At this point, the bill has been sent to the company 2-3 times by myself and my agent. The person I spoke with said she received the bill, she even told me the premium amount so I knew she had the bill in front of her. I confirmed that I wanted it paid out of escrows and she stated it would be paid. 

I spoke to my Insurance agent on XXXX to see if they received the payment, they state they haven't. 

Fast forward to today, XX/XX/XXXX- the bill is due. I call Dovenmuehle to check to ensure payment went out. The agent states that the bill was received but no one on their end had opened up an order to issue the payment on the account. I ask why, and he states the agent I spoke with on XX/XX/XXXX " messed up ''. I ask what can be done, but he states very little with the payment being due today. They can overnight, but it would still be late. I ask how this can happen when I specifically asked them to pay it and he keeps saying sorry but that it was Dovenmuehle 's fault. He explains premiums outside of the yearly payment aren't always paid, but I state, again, that I spoke to several people to ensure this payment is processed. I stated to the agent I spoke with today that I authorization this payment through my escrow agent. Two agents advised me on separate occasions that the payment will be made out of my escrows. According to the agent, I did everything correct by stating this payment was to be made. Dovenmuehle is at fault for not paying my premium like me ( the customer ) requested -- several times. 

I am now in the situation to pay my premium out of pocket today due to the neglect of Dovenmuehle Mortgage. Mistakes happen, but this needs to be addressed. It needs to be corrected by the company because they are clearly and admittedly, at fault. My escrow account is set up to handle these payments so I don't need to budget for Insurance and taxes out of pocket.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IL)

My mortgage was transferred from The Money Source in XX/XX/XXXX. I was informed by the XXXX XXXX XXXX XXXX that my taxes not paid and sold. I went to the XXXX  XXXX  to find out what was going on since Ive always paid my taxes and insurance through escrow ; they shouldve been paid. I was informed that XXXX mortgage company paid the taxes late and XXXX XXXX sent the tax payment back to the XXXX mortgage company during this time I was transferred to XXXX XXXX. XXXX XXXX  claimed to have paid the taxes that were never paid during the month of XX/XX/XXXX. XXXX mortgage claimed they also paid the taxes. XXXX XXXX  claimed that my mortgage increased tremendously because they had to pay taxes that were never paid. XXXX XXXX  received a balance for the taxes in XX/XX/XXXX. I was informed of this after they exclaimed my mortgage increased {$800.00} due to an increase in taxes and insurance. I spoke with several people in the tax department for XXXX and XXXX. XXXX then claimed that my escrow account was short due to delinquent taxes. Ive communicated with both companies and was told several different things since XX/XX/XXXX. XXXX XXXX  says that they found some of the money missing in my mortgage account, decreased my mortgage from {$1700.00} to {$2600.00} in XX/XX/XXXX, to {$2300.00} XX/XX/XXXX, now to {$2100.00} XX/XX/XXXX. XXXX Mortgage company stated that they sent both my escrow balance of {$3700.00} to XXXX XXXX  in XX/XX/XXXX and the unpaid tax check in XX/XX/XXXX. After XXXX XXXX  admitted to receiving the tax refund, they exclaimed that they would be resolving the missing escrow check with XXXX. I later contacted XXXX XXXX  myself, they stated that they would re-issue the escrow check to XXXX and that XXXX should have it no later than 7 10 days. XXXX XXXX  later contacted me stating that XXXX is claiming I had a negative escrow balance which still makes my escrow account short. I have never not paid into my escrow account. XXXX and XXXX  XXXX  have not resolved nor located the missing {$3700.00} from my escrow account. Each time I call I am told something different. I am now paying an additional {$400.00} a month due to their lack of competence. They stole my escrow and is refusing to give it back.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  GA XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-17
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. (GA)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX GA XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Wednesday XX/XX/21 Wife sent me {$140.00} at XXXX and I made a withdrawal at a atm around XXXX. On her account for Cashapp, it shows that she sent me the {$140.00} but on my account for Cashapp it does not show this. Also, when adding everything up since the moment I got paid that day it doesn't add up and I am missing {$140.00}. I have contacted cashapp multiple times with almost every customer service associate either hanging up on my wife and I or not listening correctly, then assuming that there isn't anything wrong. But multiple times customer service couldn't find my account, even though i was giving them all the information. I have sent them screentshots of what it's supposed too look like if someone was too send money then withdraw. Also, times on when transactions taken place do not match up. I have reached out multiple time both call and email but no one is helping with the matter. The screenshots taken are of my end of the app, the statement is from Cashapp. As you can see things do not match up. Please advise on this matter
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc. (CA)

Cashapp around XXXX XXXX yesterday started charging a lot of people double for certain purchases. In total I got charged double for 6 separate purchases. They took {$150.00} from me. They made one update once yesterday and then didnt bother to update anyone at all anymore. They took everyones money double charging them and then dont say anything else for the rest of the day. Not even a prediction for a time frame of when this will be resolved. Absolutely horrible and shady practice from this company
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Horrible customer service, shady practices and really rude manager. I went to deposit a check with cash back and the guy runs the check, says I cant get cash back but can take check to XXXX to cash then bring back the cash for deposit. He STAMPED the back of the check stating " this would allow XXXX to cash it ''. I go to XXXX and they cant cash it BECAUSE ITS STAMPED ON THE BACK! I then go to Chase and talked to manager who is extremely rude. XXXX female manager that sits in office directly straight ahead when you walk in. She was really rude, short and sarcastic then tried to blame me although her worker is incompetent. 
Another teller deposited check, told me it would be available in morning. When the morning came, check was placed on further hold because it shows as a duplicate deposit! Loss prevention says it was because the man STAMPED THE BACK OF THE CHECK! Now my bills are behind, and I cant purchase the car I was attempting to buy ... This is the worst branch and people ever. The have shady practices and I wonder if there is some type of illegal activity they are doing.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In regards to the XXXX XXXX and XXXX account listed on my consumer report. Ive allowed Transunion, XXXX and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my bluebird card. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX  app looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {XXXX  Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$XXXX}. XXXX part After submitting my complaint with pnc bank by Consumer Financial Protection Bureau they investigated and found fault on their side and did a chargeback. I then contact bluebird to reopen the dispute and gave them the information and document that show i was to be issued back my XXXX. XXXX sent me a letter saying pnc didn't return the money that have completed their review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion XX/XX/XXXX XXXX email response to CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX ISSUE Incorrect information on your report, states : After reviewing your complaint, we are unable to process your request because we were unable to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. Please be advised, in the complaint you stated there were attachments ; however, there were none provided. 
Attachments have been repeatedly provided to CFPB and XXXX for the last 8 months. Result : resolution avoidance and still no effortless or otherwise means for temporary credit freeze lift. The XX/XX/XXXX CFPB entry apparently had an IT issue ( glitch ) and did not allow attachments. There were 3 attempts to attach. In addition to XXXX were XX/XX/XXXX XXXX and XXXX attempted attachments. To hopefully immediately rectify each of the 37 issues a copy of this XX/XX/XXXX CFPB new communication is also being immediately emailed to XXXX and XXXX. 

The 37 disputed items, unresolved for now 9 months, are again attached in files named : TransUnion XXXX XXXX XXXX DISPUTE and EXTREMELY URGENT_ OBSTRUCTION of Credit Freeze Lift and XXXX Adverse Account.pdf and TransUnion XXXX XXXX XXXX credit report 37 disputed items.pdf. 
Please resolve the 37 items. Best contact is XXXX. Please note CFPB again denied the upload of the above 2 files.  Please contact XXXX for these 2 uploads.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MO)

DEPT OF ED AND MOHELA BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. MOHELA HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I noticed that someone had used my debit card to purchase XXXX  worth of stuff from the merchant XXXX  in one single day. I have fraud alerts set up on my account and none of the transactions that day were sent to me via text for verification. On XX/XX/2022 Well Fargo issued a provisional credit to my account for the full amount above. Today, XX/XX/2022, the provisional credit was reversed and Wells Fargo is deeming the transactions as authorized. The merchant, XXXX, says they believe the transactions were made by me because my ID was on file but I have no idea how this is possible because I have never opened an account with them. I didnt hear anything from Wells Fargo and then today i get an email saying my account is negative. Makes no sense at all