davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Block, Inc. (TX)

After trying to send funds to my Church /Pastor I discovered that my account has been able to send funds " I was in violation of sending funds " I bank with the US government, Military.. What violation exactly!! Once I continued to look a little further I discovered that the Cash App to send and Transfer Funds had Been hacked! I immediately called customer support I found out that Cash App doesn't have live representatives take calls, so I sent customer support and email here 's what I got : From XXXX 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 screenSelect SupportNavigate to your issueNeed 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 This was the additional email that stated this : Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit theCash App Terms of Servicefor more information.

Thank you, Cash Support To be able to block or reverse money 's sent to a customer without explain or provide any details about how this decision was made on an accout that was hacked!!! Is very concerning so in other words Cash App ' a are the thieves! Is this what I'm understanding.. Your keeping customers money under a section 4 or 5 clause that says what exactly? If your account is hacked then we still keep your money!! 

Please advise on the next steps I've also made it very clear I'm not going to hesitate to prosecute any Hacker ( s ) to the fullest extent of the United State of America Law!
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

tried to transfer funds using the online app Cash App, when transferring funds the system would not transfer, so retried transfer and it went through. I immediately notice the transfer went through twice. I tried finding out on the app how to stop second transfer. Once I was told by friend to ask the receiver to transfer by asking for the amount using the request button. when they refused I went to XXXX to find out how to contact Cash App, there are no way to contact XXXX or Cust service using this App. I found away to contact Cash App & email the transaction information. I received a response saying Cash App was not responsible even it was a system error. I tried to escalate & always get same response Cash App was not responsible. Filed XXXX  complaint & Cash App still refused to refund the Amount of {$50.00}. 
Also I received a payment for {$40.00} using Cash App. Cash App received but was never deposited in my checking card. Contacted Cash App via email & have not got a response back.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (NC)

On or about XX/XX/2015 I discovered entries on my credit report that I did not make. There was an entry of {$4400.00} owed to an apartment complex that I new nothing about or had anything to do with. I contacted the police department and made an identity theft complaint. I also filed an identity theft complaint with the Federal Trade Commission. I sent copies of my FTC affidavit and the police report to XXXX, XXXX and XXXX XXXX. However, the item is still being reported by an ageny named Rent Recovery Solutions, LLC. Rent Recovery Solutions , LLC , is reporting this fraudulent information in my credit file. I was a victim of identity theft. I took all the necessary steps to resolve the issue but Rent Recovery Solutions is still reporting this negetive entry in my file.
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

In XXXX we were switched to Freedom Mortgage. We were in the middle of refinancing with our other company, but regardless Freedom acted clueless about what was going on. Once they realized we were refinancing we were instructed to make our trial payments and the paperwork for our final monthly payment would be finished up by their lawyers. So we made those payments and have waited and waited for our paperwork to disclose the new payments. Every week we call and no one can give an answer, their service people have taken all our payment info and then when they get to the final step it says they can't take a payment on this account due to refi. I even received a paper bill that no one can put a payment through for. Well, now it's XX/XX/XXXX and they still haven't done their job. We've been reported to the credit bureau as being 3 months past due on our mortgage, we are getting phone calls from the recovery dept asking when we are going to pay. It is incredibly infuriating. After months of absolute anarchy on their end, we FINALLY got their " supervisor '' XXXX to give us a call. He called at XXXX on a Monday night, incredibly inconsiderate and unprofessional. He put us on hold multiple times, once for almost ten minutes. Finally he claimed he could process our payments and when we were getting our checkbook he HUNG UP and when we called back " he had left for the day. '' Freedom has been giving us the run around while destroying our credit score for 6 long months.
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

I was several years ahead on my mortgage when I ran into problems XX/XX/XXXX. PHH said they would work with me and said if I made three payments of {$490.00} they would refinance with me at the end of the trial period. At the end of the trial period I signed the documents and sent them back. They refused to accept the agreement. This year I have been making payments still at {$490.00} per month and PHH refuses to talk to me, is slow crediting checks, hanging on to them up to 3 weeks before depositing, and refuses to give me a payoff amount, constantly sending me foreclosure notices despite the fact that I am still approximately 3 years ahead of my maturation date.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (KY)

on XX/XX/15 my entire cash balance of XXXX was transferred to another bank debit card at XXXX of which I hhave never done business.. The day before this or these hackers tried to move my money to a different Visa Debit card but it was not the right card or something. On that day, for the first tiime in over a year and half my account information was deleted, name, bank, phone, email etc and replaced with someone who used the name XXXX XXXX which doesn't seem a legal name. I have never been able to get the name of the bank card holder but it wasn't me.. This is just a few bits of the story but this bank obviously does not have protections to prevent my money bbeing transferred to a foreigh bank. Not a purchase for something. Transfer of all my monney. Local PD has report. I have never given my phone pin or the pin for the Cash App. There is not appropriate safety measures to protect our mooney and they have not replaced it provisionally. They say they can't determine if or not it was authorized. They have more than enough documentation and history to see I was robbed and I am victim. Stop thiis aand restore my financial position.
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. (NC)

Experian refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX   they REMOVED this account and I sent them the same Documentation What makes Experian so special I would really like to know? 

I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my Experian account as with a Past Due balance which is a clear violation
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion stated that they have certified proof that I do have a bankruptcy on file XXXX I requested this information to be sent here to the cfpb immediately the certify copy they give you the right to complete and have this continue on my credit report you failed to provide me with any information before you do not give me anything in writing except somebody else showed you something but you did not show that something to me with the supposed to be certified and I supposed to be made aware of who gave you the information to put on my credit report regarding a bankruptcy I still did not see that information requested be sent here do not send it any place else I will not accept it I'm requesting it to be sent here to the cfpb uploaded so it can be reviewed by me and the cfpb immediately.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

My account CashApp card and Bank Account was scammed by someone I don't know or has ever done business with name XXXX XXXX, name on the screen is XXXX. I have reached out to CashApp two times and they have failed to respond!

My CashApp account has been hit 11 times, because my bank card was linked to my CashApp card, which was a total of {$220.00} from my bank account alone! Then he hit my CashApp account that had a balance of {$180.00}. I am requesting immediate attention and full refund of {$410.00}. CashApp lacks the compassion and fortitude to protect their customer base! There system is designed to ask you if you wanted to send money to this person as they are NOT in your contact list, however they fail to ask if any transaction are approved before allowing someone to take money from your account. I have advised them I my concerns to the following agencies, as I can not afford to lose {$410.00} due to their lack of accountability I will be reporting this to the XXXX XXXX XXXX, The FCC, and Consumer Financial Protection Bureau. I would like a full refund and I will be closing this account. 
My old CashApp account was under XXXX XXXX. 
I can be reached at XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I had frozen my credit reports 2+ years ago due to the large data breech, and a desire to protect my credit. I now need my credit information to be available in order to change cell phone providers. I had no issue removing the credit freeze with XXXX  and XXXX. 

With Equifax, I am trapped in an automated black hole, and can not get this report unfrozen. The cellular provider I need to sign up with ( XXXX XXXX XXXX ) only uses Equifax. I have tried to login to myequifax.com, but am told to contact customer service after entering my login information ( I have also tried updating the password several times ). I have called a half dozen customer service numbers listed on their website, including the one I was provided when login failed, only to be directed to the same automatic phone tree, and told they can not complete my request, and then hung up on. There seems to be no way to speak to a live person, or to get this report unfrozen. I am at a loss as to what to do! Many message boards indicate this is a common experience of those trying to access Equifax. I am hoping the CFPB can provide some solution.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (TX)

When cashing a check they needed a picture of the check with VOID written on it. When I wrote VOID in big letters they still rejected the check. 
The transaction number is XXXX. I was cashing a check for XXXX dollars. It had a XXXX dollar fee so it was going to be XXXX dollars. I am XXXX XXXX and am using a XXXX account. I have a voided check worth nothing. I called multiple times but I was waiting for almost an hour on hold. I also sent a complaint to the XXXX  but they just said my complaint was only for information purposes and still didn't give me my check. They have the pictures of the front and back of the check and the voided check. They have to have a human check the pictures. Their program is too faulty.
Consumer complaint received 2020-06-23
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

My child support goes thru Way2go card. On XX/XX/XXXX a deposit from XXXX XXXX card was attempted but due to my error I didn't have all of my checking account number so the transfer can be completed. On XX/XX/XXXX XXXX XXXX XXXX XXXX rejected the transfer and sent it back the way it was sent. The tracking number that was provided from XXXX XXXX XXXX XXXX that show that they return the money back to Way 2 go card is XXXX. I file a complain with Way 2 go card on XX/XX/XXXX They sent me packet to fill out. Also during that time I was calling to make sure that I was getting the right information. That following Wednesday I was told to go to my bank ( XXXX XXXX XXXX XXXX ) to get a letter stating that it was rejected and fax it to XXXX and to wait 48 business day for the fax to received. I found out later that this was the wrong fax number XXXX. I received the paperwork on XX/XX/XXXX and mailed it on XX/XX/XXXX with a copy of the bank stating that they rejected. I then turn around and fax the bank letter to the correct fax number.. On XX/XX/XXXX I was told my case was closed and to contact my bank by call XXXX. I was assured by my bank they rejected. With way 2 go card I'm constantly transfer around the longest that I have been on hold is 4 hours waiting to speak with someone in pending dispute. I'm getting transfer to wrong department or I just get hung up. I'm disputing that {$1000.00} dollars haven't been placed back into my credit. Its seem as the Way 2 go card doesn't want to help me. Plus I'm being charge IVR of XXXX each time I call to get assistance with this account I have been charge nine time for XXXX for assistance on getting my money back.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at Trans Union or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX  that has affected my memory.
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. (GA)

XXXX XXXX  of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XX/XX/XXXX. I opened a XXXX credit card in XX/XX/XXXXwhich was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to experian and called and spoken with one of their supervisors who also recognizes XXXX error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.
Consumer complaint received 2020-06-23
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. (FL)

fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Effective XX/XX/XXXX our home mortgage was transferred to Mr. Cooper. 
In a letter from Mr. Cooper, dated XX/XX/XXXX, we were told ( 1st paragraph ) dont worry, the terms of your loan stay exactly the same. The letter lists mortgage terms as follows : a ) Current Interest Rate@ 4.25 % b ) Current monthly payment @ {$2200.00} c ) Payment due date @ XXXX of each month A following letter, dated XX/XX/XXXX confirmed a servicing transfer and again in the first paragraph stated, Nothing else about your mortgage loan will change. 
In XXXX of XXXX, we were granted a Tax Deferral Affidavit by the state of Texas XXXX county of XXXX for over 65 or XXXX homeowners. We are now XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX. 

The first letter we received regarding our taxes from Mr. Cooper was XX/XX/XXXX. It totally disregarded our tax deferral and demanded payment of {$18000.00}. We sent a copy of our tax deferral affidavit. 

Another letter followed on XX/XX/XXXX demanding proof of payment for taxes for XXXX through XXXX in amount of {$6900.00}. The next letter from Mr. Cooper demanded payment of {$18000.00} for years XXXX through XXXX. 

In XXXX of XXXX we continued to receive letters, last one showing a total of {$35000.00} owed Mr. Cooper with a demand letter to pay the entire amount or monthly payments of {$5600.00}. 

We can not afford to make this high payment! 

In conclusion, we are retired, on limited income. Both of us are physically unable to hold a job. Again, we are XXXX and XXXX XXXX XXXX. We are suffering mentally and physically from the pressure being put upon us from Mr. Cooper. The state of Texas granted us a Tax Deferral. Does Mr. Cooper not have respect for the laws of the state of Texas? It is obvious that this company ( Mr. Cooper ) has no respect for XXXX and XXXX XXXX.