davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WA)

In XXXX I opened an account with XXXX, both to manage my personal XXXX holdings and to support a XXXX related business I was building. I was able to open and use a merchant account, and used the Coinbase XXXX to process XXXX subscription payments for my business. 

In XXXX of XXXX my business had grown a great deal, and I had a number of recurring subscriptions to my service set up through Coinbase. In order to stay compliant with all the rules regarding identity, I updated the address information on my account, as I had moved from one state to another. This update triggered an automatic review of my account that has not been completed to this day ( XXXX XXXX XXXX ). This review process suspends all activity performed via the XXXX ; that is, all of my subscriptions were now unable to be processed, and new customers were unable to start subscriptions. 

I requested support from Coinbase, but this ticket has never been responded to. The net result of this long delay is all of my monthly customer subscriptions through Coinbase have expired and can not be renewed ; reducing the revenue stream of my fledgling business, causing confusion among my customers, generating additional support load for my business, and requiring development time to move to another XXXX.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a Bank of America customer for over 25 years. I have several bank accounts including an IRA account with XXXX XXXX over {$170000.00} plus checking/savings accounts totally over {$25000.00} On XX/XX/2022, I walked into the bank and deposited XXXX checks from the City of XXXX ( {$5000.00} ) and XXXX XXXX XXXX ( {$12000.00} ) ( both government entities ) with a teller into my checking account at Bank of America in XXXX, CA. When I asked the teller if there would be a hold placed on these deposits, he stated that the funds would be available the next business day. I was told that there would be no hold placed on the funds.In fact, the funds were credited to my account and made availble the next business day. 

However, on XX/XX/2022, the bank withdrew and deducted XXXX of the deposits for {$12000.00} and placed a hold on the funds for XXXX business days. I received a letter from Bank of America ( attached ) confirming this deduction. These are not personal checks. They are checks from government entities and should be honored per federal law, I should have been able to withdraw or use the full amount on the next business day because I made the deposit in person to a bank employee. 

Today, I called Bank of America and spoke to an employee asking to resolve this matter and return the funds to my account. He stated that the check could not be valid and they needed days to verify the funds even though the check is drawn on an account with XXXX XXXX XXXX. I told him that this was unacceptable as I was told that the funds would be available so I could pay my bills. He said that was BofA 's policy and I then stated that I would file a complaint to try and get my funds released.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/XXXX I submitted a request with Equifax.com to freeze my credit account. After submitting the pertinent information, I received a response " We 're sorry ... .we can not process your online request concerning an Equifax security freeze. To assist us in processing your request, please submit in writing the required items outlined below : Complete name, complete address, Social Security number and date of birth. '' to Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX*I AM NOT GOING TO SUBMIT THIS PERSONAL INFORMATION VIA MAIL IN AN ENVELOPE ADDRESS TO EQUIFAX XXXX!!!!!! 

After calling the automated Equifax Automated Information Request Line at XXXX, prompt # 3 Security Freeze and providing my state, social security number and numeric portion of my current address as requested, I have learned that my Equifax credit account is in fact FROZEN. I never received a 10-digit Personal Identification Number ( PIN ) for future reference to temporarily or permanently unfreeze my account in the future because at the time of my on line application/request, I was informed that my online request to freeze my credit account was unable to be processed at the time. 

I 've tried several different avenues of communicating my concern and frustration attempting to get instruction on how to proceed with handling this matter, and most of all, how I can gain access to and recover my 10 digital personal identification number ( PIN ). I 've called 10+ automated phone numbers i.e. Equifax Freeze Response Hotlines,  FTC Consumer Response Hotlines, and Consumer Financial Protection Bureau to get assistance with no avail to finding a solution to this problem.
Consumer complaint received 2023-01-12
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. (TX)

I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the Federal Law, Fair Credit Reporting Act, you are required to investigate and update, correct, or remove erroneous information being reported on my Credit File. You have not complied with the Federal law and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request p=of you to please correct my Credit File by updating or removing the following items off from my Credit Report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A check was deposited in Bank of America and few days later they hold the money and part of that money was spent, so I called the bank and they said I lost that money
Consumer complaint received 2020-10-27
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. (MO)

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX XXXX  {$83.00} 5. XXXX {$760.00}
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX/XXXX/17, I attempted to verify the status of a security freeze I have with TransUnion. I made 3 attempts to reach the Fraud Department, after the main customer service line told me I had to inquire through them. There is no option to check the status of an existing freeze without speaking with an agent. Each time I entered my case file number, I was either transferred to a line with a busy signal, or put on hold for about 5 minutes, then told by a recording to call back again later. 

I just want CFPB to know that TransUnion does not seem to have the capacity to be dealing with customers effectively who call on the phone. It was especially unnerving not to be able to get through to an agent in the Fraud department.
Subsequently, I have been able to go to freeze.transunion.com and find my freeze status there. This is a different website than I was given at the time I instituted the freeze. The other website still comes up, transunion.com/XXXX, but even after logging in, that website tells you it ca n't complete any action you try because of increased activity due to the XXXX hack.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

Due to COVID, my tenants unexpectedly breached their lease and I wanted to take advantage of the Federal COVID relief by forbearing three mortgage and interest payments on my loan. This was verbally discussed with my lender, US Bank, and they didn't charge me late fees for this period. 

I got new tenants and resumed payment on my loan on XX/XX/2020. I paid my XXXX and XXXX payments ( mortgage, interest, escrow for taxes and insurance ). US Bank submitted a Payment Deferral Agreement to me on XX/XX/2020 for a deferral of 5 months. 

I've spent hours on the phone trying to get them to change the Deferral from 5 to 3 months and they have been unable. Today I lodged a " formal internal complaint '' with them and created this CFPB complaint in an effort to get this resolved.
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

Original Debtor XXXX care Hospitalists XXXX XXXX XXXX XXXX XXXX NV XXXX Gave My Treat information along with XXXX XXXX XXXX, cost and dates of service to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which is a XXXX violations as collection agency can not have my medical records XXXX charged XXXX and the other XXXX which fraud
Consumer complaint received 2020-12-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a Chase XXXX credit card in XXXX XXXX because I received an offer from XXXX. My application got declined with the reason " previous unsatisfactory relationship with this bank ''. Chase closed all my credit card accounts in XXXX and never give me a particular reason for that. I contacted the Chase again and the associate could not give me any specific reason for rejecting my application.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, Experian, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2020-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX  have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WI)

My cash app was closed today. 

They only state I violated their policy. I asked which policy and they just refer me back to the policy. 

Cash app allows me to purchase XXXX  and withdraw and send it to an outside wallet. 

Is this no longer allowed? I do not reach over my limits. I need to understand why my account was closed. I believe it was in retaliation from my previous report on XX/XX/24. They are upset I reported issues with withdrawing and their fees.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1200.00} XXXX updated XX/XX/XXXX
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

Owned property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. XXXX XXXX was also a register co-owner register with XXXX XXXX WA. 
XXXX XXXX had a XXXX Attorney Chapter XXXX, this was my only debt. I had my pay garnished for two years, they made the payments and took more, when all of a sudden they dismissed the Chapter XXXX. 
XXXX XXXX started to make mortgage payments, all. UNFORTUNATELY the company, OCWEN Financial placed in a separate account, unknown reason. Regardless we hired another attorney, Florida Attorney, XXXX XXXX, charging us {$1500.00} for four month in a row. 
Finding all of this too much to deal with and getting no protection from anyone, we decided to make a move back to our family in XXXX XXXX, we purchased another home and moved out of the XXXX XXXX. We were contact prior to move by a neighbor who had a friend who dealt with real estate. We asked this person to deal with the house. 
We received a notification from OCWEN that the house mortgage was paid in full, and thanking me for my payment. WE KNEW NOTHING ABOUT A SELL, COULD NOT REACH OUT TO ANYONE for information. Now we find out that the house is FOR SALE at {$400000.00} which is its true value, We want to know what or when do we receive the monies outstanding due to us above our mortgage. 
There is something shady out here and we need to know information., We appreciate your time and consideration regarding this matter. We have never received any NOTICE, letters from OCWEN, and any CREDIT ding for late payments. We have emails from the Mortgage holder as late as XXXX stating all is fine. They went paperless but that does not STOP THE FORMAL PROCESS OF ANY FORCLOSURE, we have never received any notification and our location is noticed with the XXXX and others. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to my local Chase Bank branch and as always was directed toward their Indoor ATM/Teller machine. I first had to pull out cash from my IRS stimulus debit cards so I could transfer the funds to my checking account. The machine had trouble with this and only allowed me to removed a portion of my available funds that equated to roughly {$1600.00}. I then needed to deposit my businesses checks to my business checking account in addition to the cash I had just withdrew along with a few other personal checks. In total, the deposit was roughly {$25000.00} give it take a few XXXX dollars. After inserting the cash and then the checks, the machine began to process the items. Then out of no where it spit my money back out to me. I was shocked and very confused. So I took my cash out of the tray for fear that it would get stuck. Then the screen started to show a load symbol, then made a bunch of noises like it was processing my checks, and suddenly and error message popped up with instructions to call a 1-800 number. I grabbed a teller and they were very perplexed by this instance and instructed me to call. I called and spent nearly 30+ minutes on the phone with a customer service rep who had no idea what to do. He said they would send a team of researchers to investigate the situation in 10 days, and if there was no remedy, they would loan me the {$25000.00} until it was settled. The branch staff had said that this has happened before but never with this much money. So they just told me to deal with the customer service people over the phone. Ultimately, no action has been taken by chase or the branch staff to fix the machine and they then continued to allow other customers to use the machine and even directed them to use the exact ATM that had just taken all of my money without depositing it. I have people and bills to pay and checks that have been written, yet the branch staff nor the customer service reps seemed like they had any care to fix the situation. Please help me track down my money.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I called my bank Before I deposited my paycheck into to the account to make sure that my funds where going to be available the next day. i was GUARANTEED that my funds will be available XXXX at XXXX am. I went ahead and deposited my check and called after I did so to confirm that everything was OK and that I will be able to get my funds on XXXX and was told again that everything will be available XXXX at XXXX am. I called the bank this morning and was told that my check id being held and the funds will not be available until XXXX. when I asked why I was not given a straight answer and I was transferred to XXXX different departments until I was finally sent to the loss prevention team where I was told that they could n't confirm the check with the check issuer-er. I asked if they could please call again because I have NEVER had this problem with my job or my previous bank. I was told that at that time I could not be helped further. I called my jobs payroll department who confirmed that the check was good and there should n't be nay issue. Who also called the payroll bank and confirmed that the check was OK. I called and asked my bank to please call and try to verify again and they refused and that they are requesting that I get all this paperwork that my employer does n't provide.
Consumer complaint received 2020-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account has been reported inaccurately. I saw the report and the account has a lot of inaccurate information such as the payment history and the dates reported. The payment history does not report any late or charged-off remarks. This is absurd. If there is no late remarks at all.
Consumer complaint received 2019-05-16
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. (IA)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.