davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc. (VA)

-- Square processed three transactions for {$5000.00} each, totaling {$15000.00}, between XX/XX/XXXX to XXXX, 2019 in exchange for {$520.00}. 

-- The cardholder 's financial institution disputed the charges despite extensive work that was done, so Square extracted {$15000.00} from my bank account on XX/XX/2019 while the case is considered -- This {$15000.00} is in addition to the {$520.00} Square already collected upfront in exchange for the original transactions. 

-- When asked what the additional {$520.00} they are holding is in exchange for on XX/XX/2019, Square was unable to provide details of expenses. Square also indicated that there's nothing else they can do to make a case to the cardholder 's financial institution, despite additional evidence of the original transactions. 

-- Evidence of the services provided to the cardholder in exchange for the transactions, including hihg-value video and media work products with the cardholder appearing in them, were provided to Square as requested, and Square transferred this material to the cardholder 's financial institution. Square indicated that it has done nothing else to make my case to the cardholder 's financial institution and is unable to submit additional evidence for 90 days. In the meantime, I'm left holding all the risk, including an additional {$520.00} which Square has not itemized.
Consumer complaint received 2021-08-17
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. (TX)

Please note that I have made 2 attempts to resolve this issue. ETransUnion is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed.

They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XX/XX/21 : Contacted CapitalOne regarding a {$59.00} membership fee charged to the account for our Venture card. We asked to have this fee waived, but were told this was not possible. It was explained that the Venture Card provides benefits including 2x miles for purchases. Given COVID, and the fact that travel is not happening, these benefits hardly outweigh the membership fee. We do not carry revolving account balances and hardly use the card enough to warrant any such fee, because we would never recoup through the benefits.

After reviewing our options, we decided that downgrading the card would be the best choice since travel is not possible at this time. 

XXXX We called CapitalOne again to downgrade the card from a Venture to a Quicksilver card. It was explained that our miles would convert to cash rewards ( less than what we previously had ) and there would be no membership fee. However, even with a downgrade, we would still be charged the annual membership fee for the Venture card. We asked to speak to a manager and to have an explanation of why we would be paying for a membership to a card we have just downgraded. I.e. paying a membership fee but not realizing the equivalent benefits ( as the downgraded product, Quicksilver, does not have the same rewards as the Venture and has no annual fee ). The manager did not offer any explanation or offer to waive the fee and simply stated that they have the right to charge us this fee. Eventually, he hung up on us. 

It seems highly deceptive and borderline illegal to charge a membership fee for a product you no longer use. Capital One customer service is beyond deplorable, especially given the current climate.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX does not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (GA)

XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX has responded and admitted this is fraud on my account.I have attached this letter. XXXX and Equifax are not removing this from my credit report.
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed. 

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.
Consumer complaint received 2021-08-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (CA)

My mortgage loan was transferred/sold from XXXX to Mr. Cooper on XX/XX/2021. I was attempting to pay the loan off completely in XXXX of 2021 to avoid having to deal with the new loan servicer. 

Mr. Cooper is showing an unpaid principal balance of {$55.00}, XXXX. I have sent them multiple documents as proof of an unpaid balance of {$0.00}. 

I have provided all of these documents to Mr. Cooper. 

Please find attached : XXXX and XXXX bank Statements showing payments to XXXX to pay off the loan. ( Attachments 1 and 2 ) A Payoff Statement from XXXX dated XXXX in the amount of {$200.00} and an unpaid principal balance of {$0.00}. ( Attachment 3 ) A XXXX Monthly Statement from XXXX showing large payments in XXXX and an unpaid loan balance of {$0.00}. ( Attachment # 4 ) A XXXX Monthly Statement ( dated XX/XX/2021 ) from Mr. Cooper indicating an unpaid principal balance of {$55.00}, XXXX. ( Attachment # 5 ) Log of some of the many calls/emails to Mr. Cooper to resolve this. 
XX/XX/XXXX, XXXXReceived a digital payoff statement from Mr. Cooper ( Attachment # 7 ) and a Digital XXXX Monthly Statement XXXX Attachment # XXXX ) XX/XX/XXXX, 2021-Called and left a message and sent an email to XXXX XXXX about the status of my balance. 

XX/XX/XXXX, XXXXEmailed XXXX XXXX and the Research Incoming address for Mr. Cooper a copy of the payoff Statement and the XXXX Monthly statement from LoanCare. 

XX/XX/XXXX, XXXX-Called and left a message for XXXX inquiring about the code change. XXXX called back and said the code change had nothing to do with the change to the unpaid balance amount. 

XX/XX/XXXX, XXXX-According to a soft pull of my credit report, I do not have a debt to anyone for a mortgage. It appears to be paid off. 
. 
XX/XX/XXXX, XXXX-Spoke to XXXX. She requested additional copies of the bank statements in PDF format. I emailed them to her. She also asked me to reach out to XXXX XXXX to inquire about the code being changed XX/XX/XXXX, XXXX-Made a third monthly payment for a loan that I was trying to payoff XX/XX/XXXX, XXXXFinally got connected to XXXX XXXX, Executive Resolutions Team and sent her pictures of bank statements showing off paying down the loan in XXXX and XXXX. 

XXXX XXXX-Loan Balance changed from {$0.00} to $ XXXX ( Code was changed? XXXX XXXX XXXX XXXX XXXX Made 2 monthly payments for a loan with a {$0.00} balance to avoid late fees after getting a text from a debt collector XX/XX/XXXX, XXXX XXXX ( needed to change a code-thought they could pay off the balance from escrow ) XX/XX/XXXX, XXXX-Requested a payoff statement via email ( talked to different 2 reps ) one was never sent XXXX XXXX-Called Mr. Cooper multiple times inquiring about the status/balance of the transfer I am not really sure who is more to blame, LoanCare for not applying the payoff amount to the payoff balance ( they applied it to the escrow account ) or Mr. Cooper for not resolving the unpaid principal balance with all of the documentation that I sent them.
Consumer complaint received 2021-07-29
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. (FL)

Please delete these unknown items from my profile. I want to buy a house now for my family and recently I saw accounts that do not belong to me. They are not mine and I do not want to have them. I am begging you as its very important for me. I believe I am a victim mainly victim of Identity theft. So kindly asking you to help me and make investigation in order to remove it.
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX, I received a foreclosure notice from my county in the amount of {$1300.00} for the XXXX year. It did not state what type of taxes or any other years. I contacted my bank and they asked me to email the notice in. I called the county I live in and they stated that the previous years school taxes ( XXXX ) were not paid, which is why the notice went out, but on XX/XX/XXXX they were PAID IN FULL. 
I sent endless emails and spoke with a representative in the tax department that stated they would disregard the email and helped me understand school taxes. 
On XX/XX/XXXX, my school taxes ( XXXX year ) were paid to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. I confirmed with the school because I XXXX XXXX XXXX XXXX on XX/XX/XXXX that my tax check had not yet been received. In addition, on XX/XX/XXXX, a check was sent out for {$1300.00} for taxes that were " unpaid '', but I had already confirmed with the county that they had been paid on XX/XX/XXXX. I called Newrez to speak with a woman who gave me a lecture on paying my taxes on time. I found out the check was mailed to the wrong address, an address that XXXX XXXX XXXX has not used in over 2 years to collect taxes. In addition, no one knows where this mysterious check for {$1300.00} went. I contacted Newrez on several occasions and could not get in touch with someone in the tax department. I sent several emails requesting phone calls. No one responded. I have filed several XXXX complaints and a complaint with the NYS Department of Finance. I am currently on the phone with them and they are still refusing to cancel or stop the check that was mailed out over a month ago and refund it to my account. That money is owed to me. Nowhere in my agreement does it say I am to pay someone else 's taxes that were paid back to him in our closing agreement.
Consumer complaint received 2019-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

Square Recovery contacted me, by letter dated XX/XX/2019, about an unpaid balance on an account. The letter states that there is a negative balance of {$17.00} on the Square account ; and that I agreed to a digital invoice plan but they have not received my payment. Further, the letter stated that the account could be sent to a third-party collector.

I contacted Square after receiving the letter, and told them that I do not have a Square account ; and that I don't have a digital payment plan with them. They stated that I needed to file a police report and contact the FTC.

I did file a police complaint to indicate the fraud ; however, my complaint is against Square for creating a fraudulent account for someone else ; sending past due invoices to my home address ; and stating that they are going to involve a third-party collector for a fraudulent account. I asked them to resolve the balance by closing the account because it does not belong to me or my home address, but they would not.
Consumer complaint received 2019-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Accidentally sent money. IT WAS QUICKLY REFUNDED BACK TO ME, BUT I CAN NOT ACCESS MY REFUND AND I DONT KNOW WHERE THE MONEY WENT. AS ITS NOT HIT MY BANK ACCOUNT YET. CASH APP IS SCAMMERS AND I WANT MY {$300.00} ASAP!! THAT MY LIGHT BILL MONEY & IM IN THE HOSPITAL AND WILL NEED MY LIGHTS ON FOR MY XXXX  XXXX
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

To whom it may concern, My name is XXXX XXXX, I have a mortgage with PHH Mortgage, I am writing this letter because I recently requested mortgage assistance with my mortgage company PHH Mortgage. Upon my request for mortgage assistance much to my surprise I was charged a fee of {$100.00}. I requested the assistance because PHH Mortgage previously sent me documentation that no fees will be charged when requesting for mortgage assistance ( included ). I have reached out to PHH Mortgage regarding the fees charged and PHH has rejected my request to refund my account. I would greatly appreciate it if my District Attorney will please look into this for me. 
Thank you in Advance XXXX XXXX, PHH Mortgage Account # XXXX Property Address : XXXX XXXX XXXX, XXXX AR XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

On Friday night XX/XX/24 I purchased tickets through a travel agent XXXX XXXX   XXXX  with my cashcard provided by CashApp. This was for XXXX tickets for her entire family as a treat but company flagged it and did not issue tickets. The amount was pre auth but funds did not post. Money is now out of my account and I cant not use. I contacted CashApp became the contacted they released it back and would talk to bank to have the authorization to have payments returned so I can use the funds to purchase elsewhere. This is where things go wrong. CashApp does not have a customer service number do you to contact them. This in itself is crazy in todays world. You have to email them in the app and wait 24 hours for response. A lot can happen in 24 hours. Needless to say they are misleading consumers, taking their money, read the complaints about them online. My merchant wants fo speak to them to Expedite the case but they wont give me a phone number for a even an email for the merchant to reach out to them. Does not seem like they want to help at all. You can only get help within the app but no response for 24 hours of longer. You can XXXX  them and they refer you back to app. How does anyone get anything resolved if there is no customer service. Every other app has a customer service number you can use. This is truly unacceptable. 


Please help the consumers with this as this is not right. They are now allowing you to buy stocks and bitcoin but doesnt have a customer service number?
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

Around XX/XX/2021 I applied for a Rooms to Go credit card with Synchrony Bank. After applying for the card I was told they need more information and to call a number. I called the number was told I needed to do the ID Verify via my cell phone. Went to the website once I put in my information the site said it was blocked and to call a number if you need assistance. So I called had them unblock the site and did the video and submited front and back of my Drivers license. I called back and was told the application was denied and that I will need to wait for the decision letter to come. On XX/XX/2021 I get a email from the bank saying they have my decsion letter was ready. I accessed the letter it says " To protect your identity, we checked data sources to verify information on your application. These databases may include, but are not limited to, public records, phone directories or social security databases. 
Additionally, our customer service agent might have asked you questions to verify your identity. 
Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. 
Thank you for your application. If you have any questions on this letter or our decision to decline your application, '' I am not sure how they can not feel confident it is me when I did a whole video with my ID on there website.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (FL)

Purchased a firearm through XXXX XXXX XXXX. Used XXXX XXXX. Paid 1st payment via ACH on XX/XX/21 & called to pay account in full ( 90 days option ) on XX/XX/21. This company is in violation of our contract and it is now void. I've instructed XXXX to recover my funds. I will keep the property as settlement. 

XXXX will : Provide a " paid as agreed '' letter to XXXX XXXX ASAP. 
Will acknowledge their mistake in writing Will stop further collection actions Remove my name from their systems Will never report anything to any credit bureau. 
Will acknowledge that I have been awarded the leased property as compensation for this epic attempt at theft. 

Anything less and I guess we have to deal in court and I have my records. 

Consumers must have a method to punish businesses that steal lie and cheat.
Consumer complaint received 2021-08-17
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. (NV)

There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (CA)

I began contacting this company to exit forbearance at the end of XXXX XXXX. It's XX/XX/2021. 0 progress has been made. 
The retroactively added 3 months of late payments during the forbearance period, so we can't refi away from them. 
A HELOC company said we were in default, but we were never informed of this. 
I told them I would be leaving the country for weeks leading up to XXXX when I left. While out of the country, they called the XXXX XXXX POLICE on ME, while I told them I was out of the country - who harassed my tenant/future partner on the house. This is absolutely an abuse of taxpayer dollars. Whoever made that call needs to be fired/held accountable. 
When I returned home in XXXX, I found a letter dated the day they called the police. In it, they threaten my mortgage if a PACE lien is not cleared from the title. ( FHA loan ). 
In addition, they offered a " trial repayment '' plan in this letter. This is fine, but it started before I returned and no one informed me this was happening to plan for a way to pay it while I was gone ( requires paper checks sent to a US address ). I could have paid anything digitally/bank wire, but I couldn't send a letter from XXXX to XXXX! 
I opened a CFPB complaint, they said they would have their lawyer contact me to work it out. It's been an additional 2 weeks with no updates or answers to our questions. 
In the meantime, this means their additional mortgage trail period payment is 16 days late and I still can not get an answer to some basic questions : 1 - I do not know how long the liens will take to be removed from the title. So where does that leave us with the threatening letter? 
2 - I do not know if M & T has been paying the escrow - or if we're still in the " special program '' that you never cashed the checks for. If so, we will need the total for our civl trial against XXXX  ( CA AG found the contractor guilty criminally ) 3 - If the liens are removed - how long to M & T to adjust the balance owed so we can see the best way forward for us?

4 - what's the status of " missed payments '' during the foreclosure period.