davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

My PayPal account was permanently limited recently. PayPal just emailed me You can no longer do business with PayPal Reference ID : XXXX without any explanation. In the first time, I asked for help in PayPal account. For sure, they just said sorry without any explanation, even though any chance to explain. 
I tried to recall what happened and searched all keywords about PayPal Limitation Meanwhile, Ive kept trying to contact PayPal customer service 56 times. They told me surely I had highly risk suspicion to deceive and theres no way to restore my account. They didnt tell me which policy I disobeyed. They told me i will able access to withdraw my money after 180 days. 
I checked in my PayPal the only transaction was by {$10000.00} in XX/XX/XXXX of 2020. 

For along time I was working for a company in Arizona but I m from NJ. 
That company provided good benefit and after covid19 came I lost my job. 
I was thinking about the best place to put my money and try to made a business. 
My friend recommend to me use PayPal because is Safe for everything but after I received my money my experience has been really bad. 
I dreamed with start my business with this company But i m really feel hurt. 


In the las year I had hard time for resolve all my financial problem because after wait 6 month and i try to withdraw my money I couldn't. 

I have a family. my wife with XXXX pretty kids. The life here is expensive. 
My question is, is PayPal thinking about family support when they hold the money for 180 days? 
In XX/XX/XXXX, XXXX when I received the email for withdraw funds, I try many attempts but all time was failure. 
Right now is almost 9 months and my PayPal Account don't have any dispute or Chargeback. If I tried take out my money 3 months ago why they didn't help me if I made the request to that department?. That why one of PayPal agent made me a request to Backoffice department to help me made a Manual Withdraw in my account with specify all detail, but the request never was responded by that department. Instead the system put another limited for 180 days.

Now they said another limitation for 180 more days. That is really crazy how that system work and made the policy of company contradiction. 
That why I feel really frustrate when nobody want help me. I need support with my family and my babies, they are not wait XXXX  for eat milk, bread, eggs, Need paid School, get gas, etc., Medical bills.

I pray to get somebody want help me with my case. 
My email is XXXX XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account XXXX XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This letter is in response to your CFPB response with closed complaints requiring authorization ; it is not clear that I have attached my state ID and utility bill to certify that it is in fact me submitting the disputes, and you guys closing it without proceeding with your investigation as per my request to reinvestigate. I wrote to inform you that my credit report contains erroneous and inaccurate accounts that are negatively impacting my credit score.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I had a account with Home DepoXXXX who was funded by Citibank. I had made a couple of late payment from XXXX XXXX from XXXX due to lossed hrs at work but always paid. So l started making extra payments starting XX/XX/XXXX Im amount of {$160.00}, {$320.00} on XX/XX/XXXX and called to make {$120.00} on XX/XX/XXXX. I visited Home Depot to make a purchase and it was declined, knowing l had available funds to purchase. From there l called in to make another payment of {$120.00} on XX/XX/XXXX ( but didnt cause l was informed of my account was closed ) to an automated system for payment for it to inform me that my account was closed on XX/XX/XXXX. I was confused and aggravated. I reached out to customer service rep named XXXX on XX/XX/XXXX to ask was why was my account closed and she stated that she didnt know because she saw were Ive been making payments, XXXX researched because she didnt know why, then directed my to XXXX  numbers @ XXXX, XXXX, XXXX, XXXX, XXXX, went to customer service rep XXXX id # XXXX all on this day totaling XXXX hrs and still no answers why they closed my account! So l called next day XX/XX/XXXX and spoke with XXXX and others from XXXX pm est to tell me it was closed and they dont know why. I NEVER was informed of my account closed not once and they called every month for payment which l paid as if it was still open. All these calls were recorded. I was humiliated, misused, aggravated and l stated they had committed negligence on behave of my account and l would be suing and not making anymore payments until further notice. I have billing statements starting as if my account was still active, interest and late fees still occurring even after account being closed for more than XXXX months of me having no knowledge. I contacted a attorney and advised me that this indeed was negligence on Home Depot/ Citibank behalf. I didnt pursue the attorney due to job hours and COVID 19. Now the account has been sold to XXXX XXXX now XXXX XXXX and l was contacted by XXXX @ XXXX ext XXXX on XX/XX/XXXX l stated what happened and Im taking alternative actions for this matter. Can you please help because this is not in compliance with the Fair Credit Act
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I received a notice from PayPalXXXX  on XX/XX/2021 that my personal PayPal account in now Permanently ban limited and that I can not use the account to receive payments or do any type of money transfers. The Permanent Ban Limitation provides no explanation of why the account is now banned or why I can no longer do business on PayPal. There is a XXXX day limitation placed on the funds in the PayPal account. On the PayPal website there is no way to try to resolve the issue of having the Permanent Ban Limitation lifted and have the account reinstated. 
I have not violated any of PayPal policy agreements, I do not have any prior disputes, strikes, and limitations on my PayPal account. I would like a resolution of my PayPal account reinstated lifting the permanent ban limitation so there are no restrictions on my PayPal account. As well as an explanation for why the PayPal account was flagged for permanent ban limitation and what I would need to fix the issue to have my account back.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX account # XXXX .... This account is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my Experian Report as a charge off. This account should be reported " Included In Bankruptcy '' This company is violating Bankruptcy Laws and the FCRA. I am demanding a deletion.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Step 2 : What type of problem are you having? 

XXXX bank notification this morning upon waking up for a transaction. When we check the XXXX account Mr. Cooper took at two different times of the mortgage amount from our bank that made us negative balance. Of Note, we already paid mortgage bill for this month of XXXX XXXX. 



Step 3 : What happened? 

Me Cooper took an authorized mortgage payment from our XXXX bank account in two different instances of the said amount totaling {$4000.00}. 

Immediately husband called XXXX bank to notify them of the fraudulent charges, and me on the other hand called Mr. Copper ) XXXX, Texas ) and only to find out after 5mins waiting the call will just drop for no reason and says the operator you are trying to reach is unavailable right now. I did these two more times. It still the same thong, it drops the call after 5min of waiting. 

Check XXXX if Mr. Cooper is on XXXX, this found out on thwir post literally was just posted 26 min ago. saying the they were apologizing of those people who got impacted of the issue. The XXXX wont is a whole lot of money for a family of 5. 

On XXXX thread some of the customers were charge seven more times of their mortgage. This is unacceptable, we have a life to take care as well and this happened. 

Step 4 : What company is this complaint about?

Mr. Cooper mortgage company Step 5 : Who are you submitting this complaint for? 

I am the complainant.
Consumer complaint received 2021-04-24
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. (TN)

My credit report decreased 30 points the month of XX/XX/XXXX due to my spouses open account balances being included on my credit report. 
Credit bureau representative stated account didnt exist on my credit reports and he would mail me proof. Also, my points have decreased tremendously since the beginning of XXXX for no logical explanation.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I have been reaching out to all three credit bureau to remove all unverifiable and negative information off my credit report. I have had no updates. 
Please have them update and remove the information off my credit report
Consumer complaint received 2021-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

the inquiries were unauthorized and Ive tried multiple times disputing with the bureaus with no help. 
I dont recognize two inquiries on my transunion report one is a XXXX area fcu from XXXX XXXX and a jpmcb card from XX/XX/2020 2020
Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

I have paid XXXX XXXX now Navient every month until recently when I became unemployed and my wife could no longer afford to make payments to them on my behalf due to medical bills. I called Navient several times to see if I could request a financial hardship. They proceeded to tell me there was nothing they could do. I would just have to make the payments. I receive approximately XXXX to XXXX calls per day from them requesting money. Are there any options that I can take as to keep my credit in tack, thank you.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I signed up through American Express ' website on XX/XX/2021 when they were offering {$300.00} if {$3000.00} were spent in the first 6 months of opening a Blue Preffered card as well as XXXX $ annual fee for the first year. I was charged a XXXX $ account fee the first month. I filed a complaint, they refused to refund it with zero evidence the offer every changed. I provided cached web pages of theirs prior and after with the same offer. Third parties with the same offer. The customer service manager agreed with me on a phone call that the ruling did not make sense. Yet, they refused to offer a refund of the fees. I know the XXXX $ intro was there as I wanted to test if I would spend enough he first year to make the card worth it the next, or I would not have signed up.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (DE)

4 weeks ago I had {$560.00} taking from my account overnight when I made no purchases, card was in my possession, and I never left the house so I call " XXXX '' a supposed manager and he stated that there were several clearly fraudulent charges made by internet or fictitious internet companies and he was familiar with these " companies '' so he would send me a new card and issue the credit to my account immediately WELL THAT STILL HAS NOT TAKEN PLACE. THEY DID NOT EVEN CANCEL MY CARD AND ISSUE ME A REPLACEMENT CARD and to my horror today XX/XX/2021 I woke to discover {$150.00} missing from my account and immediately called, got transferred to another female manager this time and she stated her name was 'XXXX  ' and gave me a huge run around told me there was nothing she could do and to set up online access for my account issues and that she was not at liberty to tell me who spent my {$150.00} and then hung up on me. There is something very " fishy '' going on with this company who handles peoples money, they're only income for they're entire family and that is scary and there is someone or many someone's doing some very bad things with peoples finances and feloniously. I know several people whom have had similar problems with us bankreliacard and they never knew what to do or where to go to report them and to get they're money back and I just now have discovered this company and PRAY THAT YOU ALL CAN HELP ME RECOVER THIS STOLEN MONEY BECAUSE I AM DESPARATE
Consumer complaint received 2021-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

I am trying to sell my property in short sale and prevent foreclosure, but it does not appear who is the holder of the HELOC. 
After reviewing my documents, I called the lender that originated the HELOC, Flagstar, and told us that it was transferred to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The lawyer who is working the short sale, checked the public records to find the recorded assignment, but couldn't find it They called XXXX and they couldn't find the HELOC with my social security, then the lawyer contracted XXXX and Flagstar has given them the XXXX account number. 
I called XXXX on Friday XX/XX/XXXX, but they no longer have loan information. XXXX representative suggest that I check XXXX. No information found it. 
Please help me.
Consumer complaint received 2021-04-24
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: SYNCHRONY FINANCIAL (MN)

I usually check my XXXX XXXX to look at my credit. So two days ago XXXX XXXX I seen my score go from XXXX to XXXX and three unknown hard inquiries that Im reporting right now. But I have no knowledge of any of these inquirers.
Consumer complaint received 2021-04-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I, Consumer XXXX d/b/a XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. Pursuant to my initial complaint on XX/XX/2021, my federally protected consumer rights continue to be violated by this financial institution. Even after sending a cease and desist that was received on XX/XX/2021 by Bank of America, N.A., my rights pursuant to 15 USC 1692c. ( a ) ( 3 ), 15 USC 1692c. ( a ) ( 1 ), and 15 USC 1692d. ( 5 ) continue to be violated. My phone continues to ring at my place of employment and at inconvenient times with the intent to harass and annoy me even after receiving my cease and desist as labeled in Exhibit G.

Also instead of validating the debt as I requested, I received threatening letters as shown in Exhibit I from Bank of America, N.A. that demand I make payments to an alleged debt that they can not even validate exist with the intent to coerce me into making payments. If I do not make payments threatened to exercise remedy that is allegedly available to them via a fraudulent contract. This is a violation of my federally protected consumer rights pursuant to 15 USC 1692e. ( 5 ). Within the letters were the same profane language that I addressed in my initial correspondence which is a violation pursuant to 15 USC 1692d. ( 2 ). This letter was constructed to give me the false belief that I, the original creditor, owe an alleged debt in which I am not participating in collecting a debt from myself and is a violation pursuant to 15 USC 1692j. ( a ).

I have proof as shown in Exhibit H that Bank of America, N.A. violated by federally protected consumer rights pursuant to 15 USC 1692d. ( 1 ), 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ), and 15 USC 1681a. ( d ) ( 2 ) ( B ) in which Bank of America, N.A. damaged my reputation by reporting false balances and reporting a consumer credit transaction that involved the use of my credit card to XXXX that should have been excluded from my consumer credit report.

In addition to these repeated violations, I have yet to receive any validation of the debt and the invoice was not paid on time. I sent a follow up invoice with late fees as well as additional charges for repeated violations of my federally protected consumer rights.

I have provided the attachments from the initial complaint as well as the new Exhibits, return and certified receipts, Affidavit of Truths pertaining to the FCRA and FDCPA, and an updated invoice that reflects late fees and additional charges for repeated violations. Attached is also Notice of Default and Opportunity to Cure.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

I had a fraudulent charge of {$370.00} to my credit card on XX/XX/2020. I told my bank that it was fraudulent and that someone probably stole my card information and they just completely ignored everything I was saying to them.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I reviewed my credit report and noticed the following issues on my credit report : XXXX  XXXX XXXX THERE ARE SEVERAL INACCURACIES 1. The high balance IS INCONSISTENT WITH THE OTHER BUREAUS. The reporting information is supposed to be the same and accurate across all three bureaus please delete this account immediately!

2. The date opened is inconsistent with the other bureaus and is supposed to be accurate across all three bureaus please delete this account immediately!

3. The last payment date is inconsistent with all three bureaus and it's supposed to be accurate across the three bureaus please delete this account immediately!

4. The account type is inconsistent across all three bureaus and is supposed to be accurate across all three bureaus. Please delete this account immediately!

5. The credit limit is not reporting the correct information and should be reporting accurately across all three bureaus. Please delete this account immediately!

Please investigate and provide proof on how this account was verified. and delete this account immediately.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (NC)

We did a refinance earlier this year ( 2021 ). Our original loan was with Homeside Financial and we were refinancing with Homeside Financial. So, it should have been as simple as any transaction could have been. After four scheduled closings and a series of corrected CDs we did sign closing papers with numbers that did match what we were told and expected. What we didnt expect is that Homeside decided to keep a large portion of our escrow balance. I was told prior to closing that the numbers were based on us getting our whole escrow balance refunded. Then after the closing I have spent hours and hours trying to get an explanation. The closest thing to an explanation that I have gotten is that Homeside was off by {$790.00} on the closing papers and they decided to make up the difference by keeping our escrow money.
Consumer complaint received 2022-10-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Balance : {$330.00}