davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Credit Services, Inc. (NC)

I have been trying for years to have my loans rehabilitated by the National Credit Services. I check my credit report on XX/XX/2021, and see that my loans still show that I am in collections. 

I called National Credit services and they state the last payment that would put my student loans in good standing FAILED. And because that payment didn't fail in XXXX I would have to go back through the program allowing the defaulted loans to stay on my credit report for another 9 months. 

I never received any communication about a failed payment and if I did I would have happily provided new details for my last payment to have my loans in good standing. National Credit Services even has a record that I contacted in XXXX. I called in XXXX to find out why my loans weren't out of default and I was told that paperwork needed to be submitted to have my loans returned back in good standing and that I should wait for communication from the Department of Education. 

The resolution I am seeking is that I am able to make my last payment so that my loans can return to good standing so that I can have the ability to rent a home.
Consumer complaint received 2018-05-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

We were affected by Hurricane Irma and were in forbearance based solely on location of mortgaged property ( XXXX, Florida ) which was in a PDMDA. After the forbearance period Freedom Mortgagee must offer Rate and Term modifications at the conclusion of the forbearance period based on the criteria found in Handbook 4000.1 III.A.3.c.iv. ( C ). 

Freedom never did this. They immediately began assessing late fees and reporting a delinquency to the credit bureaus.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

My Cash App account was hacked. Noticed that there was XXXX w/d from my Cash App that was linked to my debit card and ultimately my checking account. I reported the fraud to XXXX XXXXXXXX XXXX immediately and I reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied my claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. 
I tried to start the dispute process over with Cash App and the case is still not closed. I can not reach anyone for assist other that slow email back and forth. There is no customer service for Cash App other than email which makes it very difficult and slow to resolve a claim. 
This has been going on for months. XXXX  XXXX XXXX reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021 ; they state I should work with Cash App. 
Cash App would not assist me but now say they are working with our bank. 
This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. 
XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX. I need help with this dispute. I need Cash App to reimburse me the fraudulent transactions and I would like to close my account out afterwards and the customer service and fraud prevention is terrible. 
My email is XXXX and phone number is XXXX.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (PA)

I not getting my money from Cash App mobile phone company. Somebody is hacking into my account # XXXX of XXXX XXXXXXXX. I believe that donald trump or his delegee is hacking into my account and the XXXX XXXX XXXX in XXXX XXXX maryland. Somone is hacking my money when i am putting my name on something eapecially my Cash App account. I need my funds. 
Cc : cnn Cc : cbs Cc : abc
Consumer complaint received 2018-05-27
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. (AZ)

I contacted the the corporate office at XXXX XXXX XXXX XX/XX/XXXX, I asked them to send me statements to validate dates and amount of my credit card account which is reported to the CRAs incorrectly. They sent me a copy of a contract instead. The amount of the charge off on my credit report is incorrect. The payment history is also incorrect. It looks as if the account is still not 7 years old when in fact it is already over 7 years and should not be reported anymore. I would have taken care of this debt a long time ago but they will not give me the correct balance or statements to show how the balance went over 700 dollars. 

Here is what they done. I had a XXXX secured card, it was graduated to a unsecured card with a XXXX dollar limit. Instead of returning XXXX dollar deposit or crediting my account XXXX dollars they charged me XXXX dollars. I argued this back in XX/XX/XXXX but got no where with them. I stopped paying the bill. 

8 years later they are still reporting this.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (VA)

I made a few corrections Your case # is XXXX I am part of a group in my church which a few weeks ago required that I download Cash App on my phone so that I can transact business on its behalf. The leader of this group deposited {$200.00} on this App. A representative from Cash App contacted me a few days after the aforementioned deposit was made and informed me the App I downloaded had been hacked and that the hackers could have access to all my personal information including my bank accounts and convinced me I needed to withdraw all my funds from my bank accounts and transfer these funds to Cash App so they could protect my funds and ensured me I would get all my funds returned to me as soon as possible. On XX/XX/XXXX I withdrew {$2400.00} from my XXXX  XXXX XXXX  account and withdrew {$1000.00} from my XXXX XXXX XXXX XXXX account and transferred these funds to Cash App. Days went by and they never returned my funds to me. I complained to them about returning my money and XXXX XXXX a XXXX there assured me my money would be returned to me as well as an additional {$360.00} to compensate me for inconveniencing me. I have called and texted and still no money. In the last conversation XXXX XXXX said he would call me back on XX/XX/2021 and no mention of when they would return my money to me. I have a copy of his texts assuring me my money would be returned to me promptly. I need my money ( {$3800.00} ) asap along with {$200.00} my church deposited on the App. Please help me get these funds returned to me asap.
Consumer complaint received 2018-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

It was on XX/XX/2018 and it was on XXXX and i purchased off of a stranger online using XXXX and it was a mistake i figured since they used it in the banks which my bank being td bank they are still saying i cant get my refund it was {$140.00} i lost and im pretty mad we dont get any type of protection so i decided to report the account of the person and make sure that he doesnt do it to anyone else i tried talking to my bank and nothing was done for me
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (WA)

I have used the cash app by Square for 4 years to send and receive payments from my roommate. Out of the blue the past couple of months every single payment that I send to my roommate I am given the message that it could not be completed for my protection. My roommate can turn around and send me a payment and it will auto accept and deposit into my account.

Everytime I ask Square through their support I am told that it is for my protection and the money will be returned to my account after 3 days and to use another service to finish the transaction. They don't say why or how its for my protection it just is.
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XXXX XXXX XXXX and Bayview Loan Servicing is attempting to foreclose on my home with a fraudulent assignment transfer. Section 201 of the pooling and servings agreement states that all assignments and transfers had to be conveyed before the cut off date of the trust filed with the United States Securities Exchange. I contacted Bayview loan, I stressed my concerns and disputes they stopped the foreclosure sale, and told me that they would be sending a workout package, and I have not received. We made a phone to the case manager, but my calls have not been returned. I filed an affidavit of Fraud by an Expert XXXX XXXX XXXX in XXXX Superior Court XX/XX/XXXX on this fraudulent assignment that being used to conduct this foreclosure. I also revoked the power of attorney that i signed XX/XX/XXXX. I removed XXXX XXXX XXXX XXXX from having the right to signs attorney in fact for me, and everything is recorded in XXXX Co Superior Court. 
Bayview as not responded to my debt validation letter, proof claim, or my QWR This was a loan that was apart of the GLOBAL WIDE SETTLEMENT
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Neon Newco Corporation (AL)

On XX/XX/2018 a netspend rep informed me that my account was eligible for the XXXX fee plan and provided a credit to my account on the XXXX that was charged. Netspend has continued to charge me a XXXX fee for XXXX and XXXX. A netspend manager acknowledged I was told the fee would be XXXX but has refused to rectify.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

My name is XXXX XXXX I set up a small business in my home which is known as " XXXX XXXX '' which is a small store for food, drinks, catering services and other professional services. 

I started Processing payment with square and square decided to deactivate my account without telling me when I'll be able to withdraw my funds after I sent the documents they asked for. 

I will never use square again because the people who got my service took the money back and square couldn't protect me in the charge back process, all they did was to refund and rule in the customer favour. 

Well, I have over {$2000.00} in my square account which square has taken the money because they don't allow me to withdraw it and they can't tell me when I'll have access to it. 

I've tried to resolve this with the company by emailing them but all efforts proved abortive. 

I want to company to tell me exactly when I'll withdraw my funds as I've read thousands of negative feedbacks from people who used square to process payment used square to proce
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (TN)

i took a mortgage out in XXXX. it was a 15 year and had 2 HELOC accounts as well. 
sometime in XXXX my finances changed and i filed for chapter XXXX bankruptcy XX/XX/XXXX. 
the chapter XXXX was dismissed in XXXX and was refiled XX/XX/XXXX. 
the mortgage was paid thru the second chapter XXXX. when chapter XXXX sent me records of the first case it showed the mortgage was paid on that one as well. i did not think it was but they have been paid all along. 
in XX/XX/XXXX the bank sent chapter XXXX a refund of {$1000.00} for over-payment. 
this was on a HELOC payment of {$170.00} per month. 
in XX/XX/XXXX the second HELOC payment of {$130.00} per month was shown as paid in full/stop payment in a letter from First Tennessee Bank to the chapter XXXX office. 
the chapter XXXX was discharged in XX/XX/XXXX and i was directed to pay the bank directly. 
XXXX i sent a check for {$480.00} to the First Tennessee as instructed by the chapter XXXX office. 
aware that this was approaching i contacted the bank through C/S and at the branch to find out how much was remaining on the payments starting in XX/XX/XXXX i spoke with about 15 different people and have no clue as to the balance on the mortgage. i emailed XXXX XXXX and they sent me back to customer service. 
it is my opinion this has been paid, but i am sending another check today. 
after all that has happened i think anyone would want to know what they owe.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DE)

Memorandum To : Cash App From : XXXX XXXX ( XXXX XXXX ) CC : CFPB ( Consumer Financial Protection Bureau ) file Date : XX/XX/XXXX Re : Refund for Unauthorize charges made on Cash App Account Mr./Mrs. Representative : On XX/XX/XXXX. XXXX at XXXX XXXX I initially advised Cash Support team of unauthorized charges. 
In XXXX I was instructed to reach out through my app concerning this issue, and I did. 

On XXXX XXXX I was advised that Cash App Support team would respond quickly concerning this issue.. 
It wasnt until XX/XX/XXXX at XXXX XXXX I received e-mail from cash App Support Team indicating they had found a {$5.00} transaction from XXXX XXXX cash card on XX/XX/XXXX. However, never really informed me of what transpire with the establishment ( covering who, what, when, and why ) this charge took place ; at the same time recommending disabling reissuing my card through the app. nor a refund from the establishment or a credit to my account, or even finding out the establishment information, because I dont have that information. 

On XX/XX/XXXX cash App support team closed my case with out solving the issue as to unauthorize charges. 
On XX/XX/XXXX at XXXX still have the same issue as before still not resolve. Im still getting unauthorized charges, especially 3 times or 4 From XXXX XXXX XXXX XXXX card.These charges started XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There 8 charges on this day, and each charge was {$5.00} per charge ; coming from the same establishment ( XXXX XXXX, XXXX XXXX XXXX  ) totaling {$40.00}, and you mean Cash App Support team are unable to make contact and refund my money that was taken from me? 

As a consumer I'm not being treated fairly in the financial marketplace ; pursuant to enforcing federal consumer financial laws, which holds financial service providers accountable for their action. 

I should not have to jump through hoops to be refund money that was taken from Me, and I should have a contact number to speak with a representative. 

Respectfully submitted
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (WA)

On XX/XX/XXXX I was notified by a Credit reporting agency that a collection account had been added to my credit report. 
I was not aware of any debt I had as I don't have any past due bills. 
I filed a online dispute through XXXX. 
On XX/XX/XXXX I received a letter from a collection agency Southwest Credit saying that I owe XXXX {$280.00}. I called the number and asked to have the negative credit report removed until there was the 30 day time period to verify the debt. 
The person had no idea how to handle to call and forwarded me to a recording where I had to leave my name and phone number. 
It appears this company has been " collecting '' this account since XX/XX/XXXX and states it is 3 months late. Although I have not had a notice or phone call as to a debt. 
This so called debt was brought up last year around this time by XXXX and when I disputed it XXXX could not verify it and the negative report was removed and that was that. 
Now this collection agency has bought it and trying to collect on a debt that is not valid and has reported contacting me. 
They said they sent a letter to an address lived at over 7 years ago. Yet today I got a letter in the mail at my current address 9 days after they reported late collections on my credit report. XXXX was given current address and phone number last year while verifying that I did not owe the debt.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

2 transactions from Cash App were fraud. A person was impersonating as a social media influencer/to be somebody else who performs reading services which resulted in me losing {$130.00}. 

My bank XXXX somewhat tried to dispute the charges but Cashapp barely tried to investigate the matter which resulted in my bank having no choice but to close it out. 

I never received the services and my bank advised me to take care of this with Cashapp who refuse reinvestigate and closed out my Cashapp account without prior notice. 

Please keep in mind of the following : I have claims against Cashapp for violations of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, et seq., Cashapp unlawfully required a host of information to be provided as a condition precedent of opening or investigating a dispute or resolving a dispute in a consumers favor. 

The EFTA requires that a bona fide investigation be conducted once a bare minimum of information is provided by the consumer. 

Cashapps error resolution process violates the EFTA by explicitly placing the burden of proving the unauthorized transfer on the consumer ( and denying disputes on grounds that the consumer has not met his or her burden of proving that the transaction was unauthorized ). The EFTA requires the opposite, providing that Cashapp is liable for allegedly unauthorized disputes where Defendants can not show that the transaction was in fact authorized. 

cash app error resolution process also violates the EFTA because it deny claims without providing any explanation or providing to the consumer the documents Cashapp reviewed during the investigation. Both an explanation of the denial and a notice of the right to request these materials are required under the statute. 

The EFTA places sharp limitations on consumer liability for unauthorized transactions. For example, If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumers liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.. 12 CFR Sec. 1005.6 ( Liability of consumer for unauthorized transfers ). See, 15 U.S. Code 1693g ( Consumer liability ).

20
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (ID)

On XX/XX/2019 I called Citi Cards/ CitiBank to pay off my remaining balance and close my account. I made the payment over the phone in the amount of XXXX. Citi cards then proceeded to close my account. So I thought. In XXXX I started the process to refinancing my home and pulled my credit reports. At that time I saw that this account was reporting negative on my report and still showing a balance of XXXX. I have disputed this with the proof of my bank statement three separate times and each time they say that the evidence I provided was not valid and that I need to show proof of a cashed check. I have explained to the credit bureaus, Citi Cards, and also the collection agency they apparently sent me to and not a single one understands or is willing to accept that I made the payment over the phone so there is no physical check. Just the proof of withdrawal from my account. The fact that nothing other than paid in full and closed as of XXXX of 2019 should be reporting on credit is very frustrating and I have not been able to get this squared away. 

The only correspondence I have received says the were able to locate the payment but that citi credited the payment to another account. Now citi just reported this account to my wife 's credit which she was never on this account. At this point all negative reporting needs to be off
Consumer complaint received 2021-09-15
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)

On, XX/XX/2021, a client of mine paid me via an ACH transfer via Square. They put a 4-day hold on it which is their normal operating procedure. On XX/XX/2021, I was informed via email that they deactivated my account and informed me they would hold any money in the account 90 days before they would release it. The amount they received from my client was {$120.00}. The only way they would let me resolve the issue was to issue the client a refund, which I did, and arrange for payment differently. Fortunately, my client paid me in a different method. I attempted on contacting Square.Com on the phone to no avail. When I finally did get through, I was not able to talk to a person, instead, I was inputting information into their phone system. I was informed that because they deactivated my account they would not put me through to anybody and that no other information was available. In short, I am a very dissatisfied customer and they delayed my ability to work for an entire day. This is unfair to me, my clients, and extremely unprofessional. I requested they contact me via email regarding this issue which they have refused to do.
Consumer complaint received 2018-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I am in the XXXX XXXX and I had my repossessed car returned to me. I agreed to the terms of the loan being rewritten under the new interest rate of 6 %. I have added my mother to my loan to manage it. I sent the email to XXXX XXXX he confirmed that this took place. My mother has made several calls to pay my loan with no luck. I will soon have a late fee and a ding to my credit due to her not being able to make any payments. I was also told that my loan started over when the car was returned to me which did not happen. There was also extensive electrical damage done to my car in which I have forwarded some of the bills to XXXX XXXX. He said that he would call us back to settle this matter but never did. My mother called this past week and spoke to XXXX XXXX and was told Im busy right now Ill call you back which he never did. All we want to do is have this loan rewritten as agreed and make a payment. My mother is the only one who can do this until I return from training. I was also told that the repo that appears on my credit would be taken off and that has not happen either.