davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (GA)

For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME. 
For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address. 

In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address. 

I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account. 
- When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch. 

Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States. 

I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch. 

Please provide instruction/direction on how to regain access to my accounts.
Consumer complaint received 2016-11-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Midwest Recovery Systems (IL)

I received an email on my credit report that I have an alert. When I looked it up. It stated that I owed XXXX XXXX group {$740.00}. I was never notified of this from Midwest Recovery. I spoke to the manager and he stated it was taken out on XXXX XXXX with XXXX. I told him that I did not have an account with them and why was I not notified of this before it went on my credit report. He stated that he did not have my number or address, but he told me my address on the phone when we spoke. Then the date on the credit report said they recieved this on XXXX/XXXX/XXXX. He also say that it came from a third party but could not give me the numbers of the creditor or three party who is XXXX XXXX XXXX
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Consumer complaint received 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I have a large amount of unjustifiable debt accumulated from a University I went to several years ago. Essentially what has happened is the school let me attend classes there for 3 years while I racked up a lot of student loan debt, and then due to a university error ( which I have on their letterhead admitting fault ), they kicked me out of school against my will due to them not having accepted the last semester 's financial aid payment. 
Since, according to them, I owed an outstanding balance to that school, they refused to send transcripts to any other accredited college in the country, preventing me from getting any sort of degree to pay for that debt. This took over 5 years to resolve, and basically what this means is that they let me collect debt, and then deliberately prevented me from having any way to pay for that debt for the next 5 years. I now live across the country from that school, with no degree from there, and since I was never able to transfer credits to another school, everything I ever did there is completely useless, as I was prevented from any attempt to further education from an accredited college. 

I feel that, under the Borrower 's Defense law, I should not be held responsible for this large debt due to the fact that they deliberately prevented me from having any way to pay for that debt for 5 solid years ( unable to get a degree and therefore unable to acquire a job that allowed me to pay off that debt ). 
I have been trying to find someone to help me get rid of this debt for so many years but no one ever returns my calls. I have spoken to consumer advocates, lawyers, ombudsman group, etc, and no one says a word to me. 
I have made every loan payment in full on time every month and I owe more now than I did when I started out, and now my loan payments have become unmanageable because of this and this year I will start to have serious problems with this unjustifiable debt. I should not be held responsible for almost {$30000.00} worth of debt when I got kicked out of school against my will due to an error that they have admitted to. 
Please help me with this. I have all the documentation to support what I 've said.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MD)

I made a payment for my auto loan on XXXX XXXX according to my normal payment schedule. I was involved in an auto accident on XXXX XXXX and my car was deemed a total loss. A claim was filed with my car insurance company that same night and I was contact by a claims representative a few days later to conference call with Chase Auto Finance to obtain payoff information. My insurance company XXXX paid their portion of the loan ( {$6000.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. My GAP insurance carrier paid their portion of the outstanding balance ( {$1800.00} ) in a check dated XXXX which posted to my account on XXXX XXXX. I then received a notice in the mail stating that Chase had submitted negative information to my and my wife 's credit bureaus. So I contacted Chase on XXXX to find out what had happened and was told that my account was over 60 days past due for a balance of {$14.00}. I had received no correspondence from Chase of any remaining balance due on my account as the proceeds from my auto insurance and GAP insurance should have covered the entire outstanding balance. However due to delays in submission of the paperwork by Chase to XXXX including the Letter of Guarantee ( XXXX needed to ask for this to be sent at least 3 times before they could have a check issued ) additional interest/fees had accrued so this was not the case.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NJ)

Ive deposited a large sum of money into my cashapp account to send to family who are struggling during this pandemic. I then tried to send some money to a family member and it stated my account has been temporarily locked for 24 hours. The next day I tried to withdraw my money and it stated my account is still frozen. I then proceeded to email them in order to find out whats going on. I got no response. The next day I then tried and it still stated my account is frozen. Mind you its the third day I have family who needs me. I tried withdrawing my funds because its big money I cant loose this money. And I got the same message. I emailed them some more and got nothing back. So I sent a complaint with consumer finance and the next day XXXX today ) cashapp unlocked my account. Finally..well it dont stop there. I tried to link my card to my cashapp account in order to directly deposit my funds since cash app made me frustrated. And they wouldnt let me. I tried multiple cards and nothing. I went back to the atm to try and withdraw and it kept saying I have no funds. How do I have no funds if I see it in my cash app balance? Its like the money is a ghost. On top of that they sent me an email stating my account is about to be deleted and to withdraw my funds. But how? If they wont let me. They are just trying to steal my money.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I tried to send money to my friend of XXXX dollars and it kept declining which it never does in the past. After that I said probably it will work if I send it through bitcoin but it also didnt work. After I sold my bitcoin and tried to withdraw my money, it locked my account. I tried emailing them 10 times but they never responded and I have money still in the app which I cant get out. THIS IS CASH APP and they are trying to scam me.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

I would like to have case # XXXX reopened and addressed. The authorization was once again faxed ( I have a copy of both the authorization as well as the fax confirmation ) to PHH mortgage on XXXX/XXXX/16 at XXXX. I called again today and once again they have no receipt of the authorization. The number that I called was the number I was instructed to call from a voicemail that I received this afternoon. When I called, I was told that they once again could not help me because of no authorization and that they could not provide me with any information as the loan is in foreclosure and it is with the attorney. The attorney that they are referring to is XXXX XXXX XXXX XXXX XXXX, XXXX. I had previously received a letter from them dated XXXX XXXX, 2016 ( addressed to XXXX XXXX, the " unauthorized 3rd party '' ) mentioning foreclosure in a sentence. The letter also states that a dispute should be submitted in writing within 30 days ( I sent a letter via certified mail XXXX/XXXX/16 to dispute ) and a response will be sent back to me via mail. It is now XXXX/XXXX/16 and the only correspondence I have received is a voicemail from XXXX/XXXX/16 from XXXX at ext. XXXX stating that they had received my letter and I was to call them back. I returned the call that afternoon and left a message for XXXX. I have yet to receive a return call or paper correspondence via mail. 

Also on the XX/XX/XXXX mortgage statement it says that " The first notice or filing required by applicable law for the foreclosure process has not been made. '' My original complaint ... Case # XXXX. None of the issues in that complaint have been addressed nor has the dispute I submitted in response to PHH 's response to my original claim been addressed. 

I have since my original complaint filed for a refinance of the mortgage solely in my name. I have been denied on the basis of Garnishment, Attachment, Foreclosure, Reposession, Collection, Action or Judgement and Unacceptable Payment record on Previous Mortgage, however the mortgage with PHH is not on my credit report. The bank that I had applied for the the refinance through said that they had contacted PHH mortgage. They were given information regarding the loan. So how could that bank receive information but I can not? Since I am still according to PHH " an authorized 3rd party, '' how could they have been authorized to disclose anything based on my application which was solely in my name? 

I am not being helped by PHH mortgage and now they have stood in the way of me obtaining a loan in my name with another bank ( which was approved and I paid for the appraisal ) so that I can keep my house.
Consumer complaint received 2020-05-25
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: Mid-South Adjustment Co., Inc. (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, Mid South Adjustment, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2020 I received am email alert from Cashapp Square cash that my account was locked due to unusual activity detected. When I tried to sign in i had to confirm my identity to have access and i got a message that the funds was not accessible for up to 48 hrs. After over sending over 10 emails to customer support no one has unlocked the account I can not gain access to my money I have no access to a live representative. Please help me retrieve my money from cashapp.
Consumer complaint received 2019-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a health supplement on a trial basis. Company charged me XXXX in fees in XX/XX/XXXX Within 14 days I cancelled the trial. The company billed me {$79.00}. 
I disputed the charge with Capital One credit card customer service. 
Capital one gave credit of XXXX to account. 
I filled up the documentation required by capital one and sent on line in XX/XX/XXXX. 
Capital One reversed the credit and charged the amount back into my account. 
I re-disputed the account. 
Every month Capital One kept adding late fees. 
I have paid {$55.00} in fees in fees so far. 
Last I called Capital One to close the account. 
I was recommended I resend the paperwork I sent them in XXXX which I mailed to them. 
I keep getting late fees on the Late fees. 
Company would not close account. 
My credit is being affected due to amount past due. 
Credit card companies should not be allowed to add late fees on late fees. This is like 100 % interest.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Collection Systems, Inc. (AZ)

I have been trying to get XXXX and the collections company-NAT'L CR MGT to remove this from my credit report for the past few months now. and no action has been taken. I originally agreed with XXXX to start paying on my balance XX/XX/XXXX. However, medical issues came up from XXXX, so I called and informed a rep I would resume payments XX/XX/XXXX and wanted to ensure it would not go to collections. And they told me that was fine, I could resume payments at that time. XX/XX/XXXX, I contacted XXXX to resume payments and was informed it went to a collections agency. I was extremely upset. I contacted the agency and also XXXX to get this removed from my credit report and nothing has been done. XXXX is trying to go off the email communication for the original payment agreement, but refuse to go by what I was told over the phone as well ... I have paid XXXX a lot of money out of pocket, and have XXXX small student loans with them that I pay ON TIME every month. it makes no sense I would purposely neglect this debt. 

The collection agent who originally called me from NAT'L CR MGT was so rude and talked to me like I was a 2 year old. He was very combative. When I explained to him I would make payments to XXXX, I am just trying to figure out why they sent this to collections ... his response to me was : " Well then I will just tell them you are refusing to pay altogether. " .. I said No! I am not refusing to pay, I am trying to figure out what they told me they would not send it to collections and still did. and he responds stating the same thing : " I will just tell them you are refusing to pay. '' He was basically trying to slyly threaten me into paying. I asked to speak to a supervisor and informed I did not want him calling my phone ever again because he was trying to lie about my issue to XXXX. I also complained to XXXX but they have done nothing but say they can only go off of email record and not over the phone, which is not fair to me.
Consumer complaint received 2016-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Revenue Recovery Corporation (SC)

I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

I met a seller on XXXX  who promised me goods if I paid him. I paid them using Cash App and once they recieved the money, they blocked all forms of communication with me. 

I have no personal information of the seller and cash app will not reply to my emails. I tried back charging the money XXXX {$800.00} XXXX but cash app settled the dispute in the seller 's favor because he told them " it was a money transfer ''. I have evidence and proof that we agreed an exchange of money for goods and even in the payments on Cash App, I specified the money was for goods. 

I am down {$800.00} and can not contact Cash App because they closed my account due to trying to backcharge the amount.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OH)

For the past 7 year I have been charged XXXX on my credit card and when I called discover card they said they could not tell me because it has been more than 7 years. They said it was for a cash advance but could not tell me for sure or how much the cash advance was. Every month they out the money but cant tell me why. My limit on the card is XXXX  in7 years ve paid over XXXX for this charge. I told them I dont ever remembering doing a cash advance and if I had charging me XXXX a mont for 7 yer shouldhave for any advance. They said they cant tell if there was a an advance credit ant that it was my fault for not calling sooner
Consumer complaint received 2019-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have filed several letters to Experian and XXXX regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.