davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (MO)

I am trying to connect my account to XXXX and PNC will not let me connect my account and it doesn't look like there is any other way for me add money. This happened a few months ago with XXXX, another investment app, and I keep being told that I need to invest but PNC doesn't seem to want me to invest and I'm getting fed up with this! It doesn't even connect to my XXXX anymore. This bank is feeling a little out of touch with how people are using their money in this day and age.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

I HAVE A XXXX XXXX CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR TRU XXXX XXXX XXXX XXXX  AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.
Consumer complaint received 2015-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX XXXX has taken an excessive amount of time to process a loan request for her client, which in turn is holding up XXXX closings contingent on closing this loan, which I am the seller. She has assured everyone involved that this loan is moving as fast as possible yet we seem to be getting no where. Every loan down the line is approved and waiting on XXXX XXXX to do her job in a timely manner. She has given XXXX possible loan closing dates with none going through. Now we are in the XXXX season and everyone expected to be moving into homes before XXXX which does not appear is going to happen. She does not return phone calls, text or messages. She sends one reply after hours so no one can contact her. Her client is upset, I am hot. Does this woman realize that she is affecting numerous loans and lives that are all contingent on her doing her job. We are losing locked in interest rates, past contract dates etc., and she says we should be able to get them extended because she extended her clients. It should not have to come to that and and it would n't if she would have been on the ball from the beginning. If she has to many responsibilities maybe she should be relieved of some so that the loan can be processed in an efficient manner.
Consumer complaint received 2020-06-24
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: Kelsting Group, Inc. (CA)

XX/XX/XXXX I was denied a line of credit which has NEVER happened to me - the report ( s ) pointed me to the fact that this particular / notorious company had put a mark on my credit over 5 years ago for an erroneous debt that their 'customer '' has nothing to do with in the first place - they have been called, written a letter ... written a CERTIFIED letter because they IGNORED the first one ... yet they still refuse to fix this problem - I rented a townhouse DIRECTLY from the owner/landlord - I lost my health then had money problems - moved out - owed rent - he ended up getting it all and his attorney filed a SATISFACTION of JUDGEMENT in XXXX - Their " customer '' who tried billing me for that SAME RENT ... sent their " bill '' to this notoriously corrupt and shady collection service in XXXX who used to have a different name for YEARS and had to change it to try to elude people in the area away from their terrible reputation - you can find PLENTY of online complaints and forums where people say the same thing I'm saying which is they claim debts they are NOT entitled to - Their " customer '' is a property management whatever that's responsible for the EXTERIOR / COMMON AREAS and NOT any tenants ' rent - Their " customer '' is The XXXX XXXX in XXXX XXXX PACIFIC CREDIT SERVICES in XXXX California USED to be CREDIT BUREAU ASSOCIATES XXXX I lived in XXXX  for 27 years - I heard PLENTY of horror stories about this place - their name changed but their practices have not - Next comes an Injunction suit including Compensatory and Punitive damages
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (DE)

I signed up to use Square ON XX/XX/2021 and FULLY disclosed what I would be using square for. About two weeks after I received transactions selling my digital products and digital webinar, My account was closed with no further information other than I violated terms of service. My account should not have initially been approved if the company did not agree with what I was selling. 

I have not been successful in trying to reach the company and have not received any responses to my emails. I also have funds in the account that were to be transferred to my bank and those funds were never transferred as well as my account being shut down. The company has sent ONE email with very little information and I was advised that funds will be held for 120 days, I may or may not receive the funds after that time.

**PLEASE NOTE : I have had NO chargebacks and no refunds. My customers are highly satisfied. This company has made kept my money during a pandemic and made it impossible to get any customer service to fix this issue. I am self employed after covid and have XXXX small children. This is devastating to my livelihood.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KS)

On XXXX XX/XX/2021, I received via US Postal Service a Cash App Visa debit card issued by XXXX XXXX. The debit card and underlying Cash App account are fraudulent, as I did not open either. 

On XXXX XX/XX/2021, I contacted XXXX XXXX via telephone to request the debit card be canceled. However, my attempts to contact Cash App, an online banking application by Square , Inc, to cancel the underlying account were unsuccessful as Cash App offers no means to report fraud via its website or telephone. Cash App only provides a generic mailing address for unspecified purpose. 

I suspect Square, Inc. has purposely structured Cash App in this manner to avoid the administrative burden of handling consumer complaints. I believe Square, Inc. thereby cynically facilitates criminal financial activity by frustrating consumer fraud reporting. I request you examine this issue and hold Square, Inc. accountable for allowing this abuse of my personal information.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an account with Bank of America, and I was scammed today for a concert ticket by a man or women who had a fake account on XXXX named XXXX XXXX XXXX, and has a XXXX account in the name of XXXX XXXX ( XXXX ). I was scammed a total of XXXX dollars.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (ND)

I stayed at XXXX XXXX in XXXX and XXXX, ND at least 5 times between XX/XX/2020 and XX/XX/2020. They demand a {$25.00} hold on the account for accidentals, but they are using an algorithm to calculate random amounts at any denomination and holding periods for any duration of time without limit. The first was over {$450.00} and wasn't released for at least a month. The last was a {$25.00} posted charge when I was not present to give them my card after they listed an approx. {$82.00} hold instead of the {$25.00}, 5 days eariler. The bank refuses to allow any dispute process for abuse of pending transactions and demands that you can only dispute charges once they are posted. An authorized approx. {$120.00}, depending on how many times I stayed there, was held at approx. {$1000.00} over 3 months with no legal policy to request to dispute authorization to place permanent seizures of funds in accounts by merely listing them as pending and never either posting them or removing them. After the third incidental hold, {$25.00}, posted to my account totaling incidental fees of over {$130.00}, and I wasn't there to authorize any hold, I tried calling the bank for 4 hours after disputing transactions and they would not allow me access to the account stating that verifying my identity was not authorization to an account and I have to verify the status of transactions under dispute to access the account, every representative pretended to transfer me to another representative or supervisor, one person claimed to be a supervisor and transferred me into the call system instantly, and they refused to close the account because they won't answer the phone or stay on the line.
Consumer complaint received 2020-06-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Navient has called me over 30 times since XX/XX/XXXX, every day 4 times a day. Based on information from the Government all student loans should be on forbearance, As part of the federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education ( ED ) owned loans until XX/XX/2020. 

They have charged me every month since than. I logged on today the past due fees were still there and my forbearance only had only 43 days left. In addition, it'slisted that I have a payment due in XXXX ... Why am I being billed in XXXX if the forbearance is current until XX/XX/XXXX? 
They reported delinquency to the credit bureau over 60 days. How is that possible if my payments were discontinued, per federal legislation payments were suspended on XX/XX/XXXX? Furthermore they sent me a text message asking if I need forbearance, I responded yes.. 
I am in the process of filing a compliantwith the XXXX, Pleaseadvise Navient to remove delinquencyon my creditreport, and make my acct current. I have been paying on time for about 3 years ; I stopped when Covid 19th started. Please fix this
Consumer complaint received 2020-06-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.
Consumer complaint received 2020-06-23
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. (FL)

I submitted a dispute on two collections accounts from the same company listed on my Exp. credit report : XXXX XXXX Acct # XXXX & # XXXX with Experian. The first dispute process came back as a verified medical collections. 

I sent out direct dispute letter and followed the process that Experian required for the next step. The sent out a letter XXXX  to the address listed on the Experian Credit Report. The items came back undelivered to the address listed. I was unable to validate the debt with a direct dispute with XXXX XXXX. I then submitted follow up dispute to Experian and showed proof of all documents XXXX  and letters and request Experian to DELETE the tradeline. Experian closed the new dispute and said it was verified/updated. These items do not belong to me and I have no information. Experian is reporting inaccurate information and continues to report it in violation of FCRA.
Consumer complaint received 2020-06-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I had a BestBuy credit card through Citi, and had been making manual online payments directly from my bank account information that was setup in Citi. In XXXX I set it up to do auto-pay, and the first payment was to come out on my next payment date, XX/XX/2020. XX/XX/XXXX came and went as usual, I just assumed the payment went, it always did. I never got any kind of notification from them, but evidently they tried taking a payment ( the account shows a credit ) and then on the same day it showed a reversal in the same amount. I contacted my bank and they said there was no transaction attempted at all. Citi is claiming that it must have been incorrect banking information, but it was the same information I had used before, and it is the same information I used immediately after to pay off the account. It's bad enough they get you for a late fee after that and brush you aside, but then they reported it on my credit and now my score is roughly 60 points lower because of this. I have contacted them a few times, the first was essentially a brush off, the second time was when they blamed bad bank account ( which worked every other time but that one ). I'm not sure how my bank account information magically changed that one day for a payment not to work, but evidently it did.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020 I used the Venmo App to send money to my family in XXXX XXXX to help them during COVID. I sent {$100.00} and it was debited from my bank account but it was never deposited into my family 's debit checking account. Venmo claims that it was sent to an active Venmo account, but my family did not receive the funds to their checking account. Their checking account was verified by depositing XXXX and XXXX into their checking then it was withdrawn but the {$100.00} was never deposited. Both of us contacted Venmo and our banks and no one has resolved the issue. It has been about a month. How do I as the sender get my money back OR make sure that the recipient receives the {$100.00}. I have contacted lawyers and Senator. I was led to also reach out to you. 

I appreciate your time in looking into this matter.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (OH)

When I was a minor ( about XXXX years old ), I received care from a local XXXX in the XXXX Ohio region by the name of XXXX XXXX. Under the arrangement, I would go to XXXX appointments and they would bill my parents for the appointment. About a year and a half ago ( at which point I am XXXX years old, which is a few years after I stopped going to the XXXX  ) I noticed on my credit report a debt in collections. I called the collection agency and found out the debt was sold to them by XXXX XXXX. I knew this could not be legally my debt as I had never signed any agreement with XXXX XXXX to bill services in my name ( which is essentially opening an open-end credit account ), I never received statements from XXXX XXXX notifying me of the debt and its balance, and I was not of legal capacity to contract as a minor. After I found this out, I immediately sent a letter to both XXXX XXXX and the collection agency requesting debt verification. While the collection agency did confirm that they could not verify the debt and ultimately deleted the account, I never received any response from XXXX XXXX. About 6 months later or so, my brother calls me asking how to handle a debt in collections, and I find out that XXXX XXXX sold the exact same debt amount to the exact same collections agency and put it under my brother 's name instead ( and I don't even think he went there ). Regardless, XXXX XXXX is flagrantly violating TILA, FCRA, and other credit regulations related to the transparency, disclosure, and authorization of debt. When confronted by consumers about their violation of the law, they choose not to respond to the consumer, and instead try to pass off their faulty debt to a different party altogether. I believe it is in the best interest of all current and future consumers in a financial relationship with XXXX XXXX that their credit, billing, disclosure, and authorization practices are audited to ensure compliance with all applicable federal regulations.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

I've been trying to set up an investment account for ages. I tried with PNC originally to set up a brokerage account and they were unprofessional with me. Now that I'm trying other online services the company won't let me do an account transfer.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Ditech sold my mortgage loan in XXXX XXXX and my XXXX XXXX payment was due to a separate bank. I made both XXXX XXXX and XXXX XXXX payments with XXXX check ; both payments were made, in full and on-time. Ditech then repurchased the loan, less than 30 days later, XX/XX/XXXX and created a disaster. 

Ditech associated my original loan with the incorrect property address, they began mailing things to an address that does n't exist, they had people other than my husband and I listed as borrowers, they transposed our dates of birth and associated completely incorrect social security numbers to the loan ( SSNs that do not belong to my husband or I - perhaps they belong to the listed borrowers?? ). Ditech also changed the payment amount of our FIXED RATE loan and failed to accurately post the payment made in XXXX XXXX ; due to the incorrectly applied XXXX XXXX payment, every payment since then shows up as a late payment and my account has been past due for 60+ days according to Ditech XXXX 

For XXXX weeks neither of us could even speak to anyone at Ditech because all of the loan information was incorrect so we did not know the information needed to get through the security prompts. I have been getting collections calls constantly and because the loan account numbers, social security numbers, dates of birth, borrower names and property address were all incorrect at the time of the loan transfer, this is an issue that must be corrected at the corporate level ; wherever the original changes were made to the account information. 

Today I learned that since nothing is matching up on the original or the current, repurchased account, the folks at Ditech can not even see my XX/XX/XXXX payments and my original Ditech account and my current, active Ditech account are not linked to one another. This gives me concerns about the validity of the loan that 's assigned to me via Ditech ; I 'm not even certain my husband and I are the appropriate borrowers for that loan. This is especially concerning since the social security numbers, borrower names, home and property addresses and various account numbers did not reconcile at the time of the loan transfer. 

I have requested copies of the promissory notes associated with the original Ditech and the repurchased loan but have not received one reply. I have been referred to XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) in Ditech 's corporate office for assistance but all she does is refer em to customer service and they can not assist. 

I have been told numerous times that the issues with my account can not be corrected at the customer service level ; they must be corrected at the corporate level. I 've been referred by both customer service managers and collections managers to XXXX XXXX ( XXXXXXXXXXXX ) in the corporate office to resolve ; she has been aware of this for more than 6 weeks and has failed to take any action whatsoever.
Consumer complaint received 2020-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.