davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (KY)

I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so.
Consumer complaint received 2017-01-05
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NY)

I applied for a construction loan with a loan officer, XXXX XXXX. He was recommended by the builder we were using to build a modular home. XXXX XXXX was working for a bank out of XXXX and I met him in a basement to submit the application. After a few weeks, XXXX left the XXXX company and began working for Prime Lending -a Texas based company. He took my financial paperwork ( and never gave the copies back to me ) to the new bank promising it would be a better experience. Come to find out that the builder is not truly a builder and has no funds to pay contractors. Prime Lending does not vet their builders properly. The bank would not release any deposits to the contractors and the contractors would not work without money so I was forced to liquidate my XXXX to lay out funds to pay for work prior to the construction loan paying. I also found out they were advancing funds to the builder without my knowledge of what the funds were being used for and the builder 's contractors did not work on the house for months causing delays. during this time, I was requesting rate quotes daily as XXXX XXXX said there are 6 month rate locks. After a few days of emailed quotes. he stopped quoting me. He said getting rates thru his system was difficult. He never called me- never followed up even after rates started to climb.The whole reason for doing the end loan with them was to save the XXXX mortgage tax that I paid when I closed the construction loan. That was the carrot used to get me to do my permanent financing with them. I called XXXX manager, who did nothing, I contacted Prime Lending customer service and after 30 days of not a call or email back, I just emailed them and they turned me back to the loan officer for rate quotes. I believe Prime lending dropped the ball with quoting rates, I believe the builder and the loan officer are in collusion and Prime is responsible for not vetting the builder to see he had no funds to build a house. Their complaint department does not seem to take this complaint seriously. I would like to have my mortgage tax assigned to my new bank due to having to do all my own leg work, and the bank not quoting me rates in time to lock in to something reasonable - as rates have increased dramatically- was this a ploy as well. 
Their customer service rep ignored my request for assistance. I asked when his response would be and he said give him 30 days. It was after 30 days when I emailed him back to ask what was going on. The same situation was happening with XXXX XXXX. I only got rates when I prodded him. There was little communication and I believe I need to get this out to you so that no other " customer '' will go thru the experience I am presently trying to get thru.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (FL)

I made my first purchase with Pay Pal XXXX, 2015 and it was a promotional purchase. I 've asked to have my payment post on that purchase, but I learned they have n't been doing that until last month and now this month. The have me calling every month to put that money on that purchase and if I dont call they will place the payments somewhere else. Also I returned an item which they gave me credit for but they refuse to take it out of the promotional purchases and have it collecting interest. How am I going to pay interest in something I returned? I just made the call for this month and was told it was good for me to have the returned purchase still collecting interest. I dont know what else to do.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

PayPal is holding onto funds for a transaction that was fulfilled more than 2 weeks ago. 

On XXXX XXXX I sold a laptop on eBay and shipped it using XXXX the next day for a 24 hour delivery. By Wednesday the buyer had the laptop and at that time PayPal should have released the funds. 

Instead they claim that they did not receive a valid tracking number, which is patently false and which I attempted to help fix by re-sending them the tracking details XXXX3 times. The package was sent via XXXX : XXXX with XXXX number XXXX. It was provided to PayPal on the date of shipping. 

When I did not receive the funds after 7 days, I attempted to escalate the case directly with PayPal and again sent them the tracking details which they claimed were not valid ( several times ). I tried again escalating the case but I only ever received automated messages telling me the tracking details were invalid or other irrelevant or erroneous facts such as claiming my account was too new. My account with PayPal & eBay has been in constant use with only positive feedback for more than a decade. 

It is my belief they are holding onto funds, in this case {$600.00}, for longer periods in order to generate interest while they hold it for more than 21 days.
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (PA)

I used Paypal to make a $ XXXX monthly recurring donation to the charity " XXXX ''. The first donation was on XXXX XXXX 2016, and I used my XXXX credit card to make the transaction. I assumed the second and future donations would use this same payment method since I set it up to be recurring. However, on XXXX XXXX 2016, the funding source used for the second donation was my XXXX checking account that I have on file in my Paypal wallet. This is n't even my main checking account I use on Paypal, which is XXXX. And this change was done without my knowledge. I did not have sufficient funds in that XXXX checking account, which caused me a {$35.00} overdraft from XXXX. 

Why is Paypal allowed to default to another payment method which was different than the one I had selected for the first in the series of recurrent payments? It completely took me by surprise, and I was not informed in any way when I set up the payment, that my future payment methods would be changed automatically.
Consumer complaint received 2015-04-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

I submitted a complaint last XXXX to the CFB regarding PayPal and a dispute that I had with them from XX/XX/2006 PayPal told the CFB that they lifted the restriction on my account however they continue to place an undue burden on me utilizing the service in light of this. Frequently holding funds from transactions several weeks and issuing only generic email responses and not answering my calls when I call to complain. As a consumer this places an undue burden on me when I sell something on Ebay and have to wait an inordinate and uncustomary amount of time to receive my funds when post people receive their funds instantly from items they have sold and mailed. Yes, they even hold my funds after I have mailed and sent the items with a tracking number. This is particularly egregious because customers who purchase from the site have no alternatives to pay for products. Ebay who owns Paypal forces consumers to use their payment processing service PayPal. So I am stuck with no response from the organization and I am continuing to be punished for a matter from 9 years ago that I thought we resolved last XXXX XXXX with Case number : XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unfortunately i was hit by XXXX, i wanted to ask for my only XXXX late payment this hit my account. I was never late.
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX : I received a {$36.00} payment from a friend via CashApp. This same day, I attempted to transfer the {$36.00} to my bank account, only to receive an error message stating that I have " {$0.00} to transfer. '' The following message also appeared on the email notification I received after getting the payment from my friend : " Due to an issue with your bank account, these funds were deposited to your Cash App. '' I was required to " Accept '' the {$36.00} payment within the Cash App, which I did. 

I still received nothing. 

On XX/XX/XXXX : I attempted to transfer the {$36.00} again, and still got the {$0.00} error. I initiated a chat with a support agent through the app for help with this problem, and was told that it basically comes down to bank processing times, so I may have to wait to receive the funds the following week. I waited until the next Monday to try again. 

On XX/XX/XXXX ( Monday ) : I checked the app to still see a {$36.00} balance and no transfer to my bank occurred. In an attempt to troubleshoot, I tried troubleshooting, as suggested by a CashApp representative unlinking and relinking my bank account to no avail. I connected my debit card, and the transfer still would not work. Thinking it was perhaps because I didn't have a Cash App Card, I completed sign up to receive this card still for the transfer to not work. 

In an attempt to further troubleshoot, I initiated a transfer of {$36.00} to a friend, rather than my bank account, and when presented with the option of sending from my Cash App Balance or My Bank Account, I chose Cash App Balance, but the transfer took {$36.00} from my Bank Account! 

I have reached out to support no less than 10 times since XXXX, in an endless cycle of my case supposedly being elevated to another department, waiting to hear back from them within a weeka time only to have my case closed, then having to call to reopen it again. It is now XXXX. The app always shows {$36.00} in my App balance, but I can not transfer it, as I am constantly told I have {$0.00} in my App balance. 

To make matters worse, I am seeing dozens of claims from others across social media and the internet with very similar complaints.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act, Experian Information Services is violating my rights by reporting two accounts, XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) on my credit report. These listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) have violated my rights under 15 U.S.C 1681 section 602 A. which protects my right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian Information Services have reported the above fraudulent accounts without any written instruction and or contracts containing my signature as a form of agreement to my credit report. 

XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts have been disputed with Experian Information Services multiple times, with evidence of sealed, certified letters with USPS receipts. Experian Information Services has failed to conduct an honest and thorough investigation with proof of verification in regard to the above-listed accounts. Experian credit bureau provided a standardized, template response as a result of all my disputes over a three-year period, without evidence of the validity of the aforementioned accounts. The aforementioned accounts have not been verified with a legitimate signature or my written instruction to report on my credit. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are inaccurate and do not belong to me, constituting a violation of my rights as a consumer. XXXX and XXXX XXXX have removed these accounts from my credit report, Experian Information Services needs to do the same. 

As a result of Experian Information Services violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts ( XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) be removed from my credit file immediately.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2023 Capital One Attn : Payment Investigations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Correct Inaccurate Payment History on Credit Report Account Number : XXXX Case Number : XXXX Dear Sir/Madam, I am writing to request the correction of an inaccurate payment history entry on my credit report regarding my Capital One credit card account. This entry has caused a significant drop in my credit score, from XXXX to XXXX, due to a misunderstanding in transactions when I was trying to close my bank account with an auto payment setup. 

The inaccurate entry includes a late payment and delinquent record of {$25.00} in XX/XX/2023. 
This payment was made on time, and the {$25.00}??? delinquent amount was credited back to my account. 
The drop in my credit score is a result of this misunderstanding and has impacted my financial standing. 
I have never been late on any payment in my lifetime, and maintaining a strong credit history is important to me. 
Enclosed with this letter, you will find a copy of my monthly statement, which clearly shows the credited amount and supports my claim. I kindly request your immediate attention to this matter to rectify the credit reporting error and restore my credit score to its accurate level. 

Request for a thorough investigation into the matter and Removal of the ( ( incorrect ) ) late payment and delinquent record. 
an updated ( 3 credit Bureaus report ) reflecting the accurate information ASAP. 

Thank you for your prompt assistance in resolving this issue. Restoring the accuracy of my credit report and credit score is essential for my financial well-being. Should you require any additional information or documentation, please do not hesitate to contact me. 
I look forward to a swift resolution and appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX, Last 4 ss ( XXXX )
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I signed up for a Chase Total checking account and used a coupon for a {$300.00} sign up promotion after direct deposit. After several months of waiting Chase is refusing to pay out the promotion even though I received several direct deposits from my tenants.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I 'm complaining against this company for many reasons : # 1 I continue to receive documentation stating that these accounts are verified and yet I have proven that they are not - Equifax reports many of these accounts with historical payment data that clearly shows that I have been paid as agreed and yet reports the accounts with balances, collection statuses and other inaccuracies. I point this out and send the PDF reports as well as screenshots and still receive the same information each month with no difference in reporting. 
# 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have notified Equifax back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Equifax has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Equifax has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Theres XXXX accounts listed on my credit report the Equifax that do not belong to me and I have contacted all parties and sent a copy of my police report. I have also contacted a law firm that specialize only in suing credit bureaus. This company is called XXXX and I have been in contact with XXXX XXXX.