davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020 PayPal sent me an email stating that they were closing my account and would be holding any funds in my balance for 180 days. The email did not contain any explanation of their decision to close my account. I was able after holding on the phone for several hours to speak with a live agent who said my account had been closed because of price gouging. He stated that I had been warned by PayPal and when I said that was not true he said that XXXX had warned me, which was also not true. XXXX did remove my listings because I listed a package of items which included hand sanitizer and masks and they stated that because they were having problems with price gouging they were only allowing authorized vendors to sell those items and were not accepting applications for new vendors. I was able to relist the original item with just the nitrile gloves with no problem and pricing was similar or less than all other listings on XXXX. PayPal had previously limited my account only due to the fact that my volume had increased so drastically that they were requiring invoices for the product I was selling and proof of ownership of the company which I provided and my account fully restored twice before this. When they arbitrarily closed my account and accused me of violating the acceptable use policy I had {$93000.00} as a balance. I was told that the hold was to make sure that there were no chargebacks on the account and the funds would be available in their entirety for me to withdraw after that time. Turns out 180 days later I received an email saying my funds were available only to find out that they had debited my account {$30000.00} with " damages to PayPal '' in the memo. I have sent messages and have only received automated responses from them and hold times are 2 hours plus if you try to call. I feel like PayPal stole {$30000.00} from me and can not even talk to anyone there to correct the issue. They force you into arbitration in there terms of service so attorneys will not even touch the case. I have already sent them notice of dispute and plan to initiate arbitration as soon as the 30 day notice is over.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: One Technologies, LP (UT)

We have been charged XXXX every month from XX/XX/XXXX to XX/XX/XXXX by " XXXX ''. We never signed up for any service or product from XXXX. We called them and asked them to stop all charges and refund our money. They said that they would " try ''. We have no idea how this company gained access to our bank account information. We did not give it to them. This company was fine XXXX XXXX for this fraud in XXXX and it needs to happen again.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IN)

On Saturday XX/XX/2020 at approximately XXXXXXXX XXXX I attempted an ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, IN from my Venmo checking account for {$260.00}. The ATM displayed a message that I did not have sufficient funds, although my balance showed {$270.00} available. I tried the withdrawal a second time and received the same message. I removed my card and no money was dispensed. Approximately 15 minutes later, the {$260.00} was deducted from my account. I immediately reached out to Venmo Support and was advised they would look into it because they show the money was dispensed. On Monday XX/XX/2020 I contacted XXXX XXXX XXXX  and they verified that the money was not dispensed to me. Venmo still has not returned the money to my account and efforts to communicate with them have not gotten any reply.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/20, I paid {$350.00} for refrigerator parts from XXXX XXXX XXXX XXXX XXXX. On XX/XX/20, I disputed the charges with my credit card company, Chase, since the repairs were never performed and the merchant had ceased communicating with me. On XX/XX/20, Chase ruled in the merchant 's favor because " the services were received or available to use '', which is completely false.
Consumer complaint received 2020-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

This is not the way to do business as your policy says that any account that gets locked by cash app so to that every account the user will be able to regain access within 24 hours back but in my case my account been locked since a month and its not the first complaint only I really got tired now for writing you the emails to unlock my account and Im not been able to see any response since a month and all my funds are stuck there and I have not been able to cash app all my money back into my account I have to pay my bills and dues and you didnt care about that neither you are responding on my case i guess you should return my money back as soon as possible and after that I think I should stop using cash app anymore in future and I think I want to share my experience with my friends and family so that they should also stop using cash app so that they will also not face the same problem please let me know as soon as possible when are you taking hold from my account so that I can use my funds back and I never face such a bad experience in my life and I got to believe now that this is one of the worst app that I shouldnt have used
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I initiated a refinance with Loan Depot and provided all the documentation and signed notarized loan documents on XX/XX/2020 as my loan processor assured me that my loan would close and funds would be disbursed on XX/XX/2020 to pay down my previous lender and begin my new loan with Loan Depot. 

In preparation for close on XX/XX/2020 ( a Monday ) I wired approximately {$9500.00} to the title company in closing funds which included loan fees and property taxes. On XX/XX/2020 I don't receive any confirmation from my loan processor or title company to confirm that the loan has been funded so I reached out to my loan processor for confirmation and she responded on XX/XX/2020 with " We have received everything from the title company and funding happened yesterday. The title co should have the documents recorded soon. '' On XX/XX/2020 I checked with my previous lender as well as my property tax account and noticed that the previous lender account is still active and does not show as paid and my property taxes have not been paid. I called my loan processor at Loan Depot again to ask for confirmation and she asked me to reach out to the title company to check. After calling the title company I was told that Loan Depot never released the funds. I reached out to Loan Depot again and have not been able to reach my loan processor or her supervisor on the phone to understand next steps on how to resolve this as the title company has both my closing funds and my property tax payment.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I Paid Mr.Cooper ( Who is servicing my loan ) XXXX dollars extra above the agreed mortgage payment. The extra XXXX dollars should have been applied to the principal, yet Mr. Cooper without any authorization made a double insurance payment to the home warranty account, in the amount of XXXX instead of the normal XXXX, and only applied. I called them and requested them to reverse the payment, but have failed to reverse it or reduce my principal in the amount of XXXX. After three attempts to get this corrected, Mr. Cooper informs me they are unable to reverse this payment due to it's been paid to a third party. My account was not outstanding, and I am not being charged interest on the home warranty, yet Mr. Cooper paid my home warranty to continue to keep their loan gaining additional compounded interest on the XXXX.
Consumer complaint received 2020-11-19
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. (GA)

On XX/XX/2020, I sent a second written request, requesting the Method of Verication of their investigation results per FCRA. It has been more than 15 days since I sent my inquiry, but I have yet to receive a response. 

On XX/XX/2020, I submitted a complaint to CFBP calling them out on their violations. They closed my complaint and responded, that my complaint regarding their investigation procedures does not appear to have been sent directly by ME?? How did they even determine it was not sent by ME??? or what procedures did they use to determine this? This XXXX me. I have included all docs needed so they can verify my identity, I even got all my docs notarized. 

This an insult and straight-up humiliation. Just because I am an educated person who knows their rights and what I'm talking about. I have kept a log and copy of all communication between Experian and me. This is stressful and it's causing an emotional toll on me. They are not following the law and I wonder how many people are they doing this to? These unreasonable reporting procedures and investigations have really damaged my credit.
Consumer complaint received 2020-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (MD)

I have an online account with SQUARE to process credit card payments. On or around XX/XX/2020 I did a transaction for {$1000.00} and was told {$300.00} or 30 % of all new transactions would be held in a reserve for 90 days to keep for possible refunds. The 90 days ended today and they have now changed the reserve period to 120 days. Additionally I have had this account over 3 years and I have never had a return or any issues with payments processed on this site. A 30 % reserve for 120 days seems ridiculous. I have used credit card processing by my bank and did not encounter this type of issue. I am closing my account but looks like an additional 30 days before I can do that.
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/XXXX XXXX a check in the amount of XXXX was mobile deposit into my account it showed a non credited deposit transaction. So I called customer service about the check that was mobile deposited into my account. And customer service informed to redeposit the check into the my account and therefore I did. I was under the assumption that all transactions was credited correctly due to there notification I went to purchase food for dinner on the XXXX of XX/XX/2020 and my card was declined therefore I called the bank customer service and they informed me that I owed them money due to the mobile check deposit transaction. I now owe the bank money {$1300.00} As of todays date I never received any notification of me owing them any money
Consumer complaint received 2020-11-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

On XX/XX/XXXX, I contacted Quicken loans and spoke to a representative about the possiblity of refinancing my home with them. I DISCLOSED that my Chapter XXXX was discharged in XX/XX/XXXX and if they would be able to assist me with a refinance. I was told " Most Certainly. We could do an FHA loan and possibly let you know your best options, if any others are available ''. I inquired on how I could proceed with the process. They told me I needed to speak with a XXXX  representative as he only represented XXXX  transaction. I was connected with a XXXX  rep to begin the process. My credit was pulled and I was then told I couldn't proceed due to the Bankruptcy. I requested to speak with someone in their customer relations department about reversing the credit pull given they provided erroneous advice that sent me down a path to nowhere and as a resulted pulled my credit impacting my credit score. They said they would investigate. I then spoke with XXXX XXXX ( XXXX ) on XX/XX/XXXX who called me to apologize for the reps misrepresentation but they would not reverse the credit inquiry. They only resolution was an apology and they told me they would address the issue with training their staff ... XXXXSO WHAT ABOUT MY CREDIT! That's so wrong on so many levels!
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello, Im shocked, surprised, XXXX  out both XXXX  and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (FL)

I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc. (CA)

I moved away from my old address in XX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (IL)

Cashapp/ Square Inc. closed down my account! They will not allow me to return my remaining balance in the app back to my bank. I have my bank XXXX linked to transfer the remaining funds but on the end of Cashapp/ Square, Inc. they wouldn't even lift a finger to help. Everything is automated responses and there is literally no actual person to contact to even explain the situation. At this point all I can do is stare at the number ( {$1800.00} ) on the screen. I just want my money back it's unfair that Cashapp/ Square,  XXXXnc. feels it's okay to reprimand me and pigeon hold the funds on my balance. At this point I consider this theft, I want to try everything possible before I take legal action involving a lawyer and judge. Unfortunately my hands are very close to being forced down that direction, if I can not receive any help.
Consumer complaint received 2020-11-19
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-29
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 have sent numerous letters to Experian regarding an alleged bankruptcy that appears on my credit that On XX/XX/2020, XX/XX/2020, and on XX/XX/2020, I sent them letters requesting them where did you get the information that they are reporting on my credit profile regarding an alleged bankruptcy that appears on my credit report. They claim it was verified but they have not provided any evidence of that " alleged verification ''. I have security freezes with companies like. XXXX, XXXX, XXXX, and XXXX just to name a few so there is no way of XXXX  being able to say that they received information from any of these mentioned companies.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Hello, My name is XXXX XXXX XXXX XXXX. I reside in XXXX California. Back in XXXX I signed up for Cash App. In XXXX I received a money transfer. A direct deposit for around XXXX dollars. 

I tried to send some of the money else to another person. My transaction was blocked for my protection according to the cash app. Not long after that someone unbeknownst to me was able to log in my account and remove my phone number and email addresses associated with that account. I was notified of this when the information was changed, but i was not at my phone and didn't notice until the next day. I have unable to gain access to my account. 

Since then I have contacted Cash App Support. 

today, XX/XX/XXXX, I received this response by email. 

Hi XXXX, We closed your case because it's been more than a week since we've heard from you. 

Please reach out if you still have questions. Here 's how : 1. Tap the profile icon on your home screen 2. Scroll to the bottom 3. Select  Cash Support Thank you, Cash Support For reference, your case # is : XXXX When i responded to this email that I have no way to cash out because I am still unable to login, i received this response. 

Hi, Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screen Select Support Navigate to your issue Need more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref