davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I visited a Wells Fargo located at XXXX XXXX XXXX XXXX in XXXX, NJ on XXXX/XXXX/15. I went inside to make a withdrawal from my checking account. The teller that assisted me was named XXXX.In processing the transaction XXXX advised me that my savings account was closed.I informed her that I knew and that the account was closed because it was initially opened by a branch manager without my permission. XXXX then persisted that I needed to reopen the savings account to avoid the $ XXXX monthly maintenance fee. I told her I was avoiding the fee already by participating in a different activity which also allows me to avoid paying the fee. She told me that the fee is only waived if my checking account is linked to a savings account and simply said " we can reopen that for you today it 's no problem ''. I told her I would think about it, took my withdrawal and left. The information XXXX gave me was completely inaccurate and misleading and was simply an attempt to get a " sale ''. I may not have looked like it because I was dressed in shopping gear, but I work for a bank myself and I know a little about deceptive practices that some individuals use to meet their sales goals. If I did not have inside knowledge, I may have once again fallen victim to these deceptive practices.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all three Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX Receivables as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (AZ)

I have been retiered for a number of years. My XXXX pension is giving me less and less dollars each month due to the constantly stronger dollar. 
Now I am starting up a small XXXX in order to make some extra income. To start up even a very small XXXX takes some money. I asked my bank, Chase, for a small loan but they did not even let me file an application. 

During this start up time money has been very tight and now and then the balance on my bank account dips under XXXX and I get hit with tons of fees for INSUFFICIENT FUNDS. 

During the past 12 months the bank has hit me for {$1300.00}. This is unacceptable. I am sure their lawyers have it covered so that it is legal but is it moral? NO! 

I had a fight with XXXX Bank about the mortgage on our house. Needless to say it is no longer our house. XXXX was very unfair in their dealing and they just recently agreed to pay a penalty of close to $ 1Billion for their wrongdoing! 

I took this info in writing to my bank office in Surprise, AZ but 2 months later I have still not got any answer.
Consumer complaint received 2015-05-22
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (PA)

I received a pre-paid debit card that was serviced by the Citi Pre Paid Program. Unfortunately, due to a financial hardship and in the midst of moving to a new house, I misplaced my card. When I recently found it, the card had expired. Citi refuses access to the funds or send me a new card because they say the card has expired. I do not think that is right or fair. I would be ok if they charge a monthly inactivity fee but at least return the remaining funds to a hard working individual consumer who lives from paycheck to paycheck. Thank you.
Consumer complaint received 2015-05-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (ID)

Flagstar Bank would n't let me make a payment on-line like I do every month because they blocked me, instead they called asking for payment, added a {$20.00} late charge which is fine but then added another {$15.00} phone fee charge and didnt tell me they were charging me the {$15.00} phone fee. I feel this is an unfair practice!
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

Subject : New Complaint Regarding Chase Bank - Prolonged Hold on Company Funds ( Over XXXX Months ) Dear Consumer Financial Protection Bureau, I am writing to file a new complaint regarding an unresolved issue with Chase Bank, building on a previous complaint that was closed without resolution. My company, XXXX XXXX XXXX XXXX, has had funds totaling {$48000.00} held by Chase Bank for over XXXX months, severely impacting our ability to operate. 

Background : Following my original complaint XXXX, a representative from Chase 's back office department, XXXX, contacted us and assured us that the issue had been resolved, and that a cashiers check would be sent shortly. However, instead of receiving the check, we saw the funds deposited into our Chase account on XX/XX/2024. Initially, we believed the matter had finally been resolved. 

Unfortunately, just XXXX day later, on XX/XX/2024, our account was restricted again due to Chase 's internal systems mistakenly flagging the funds as suspicious. Despite numerous attempts to explain that the funds were deposited by Chase 's own back office, the customer support team has not been able to resolve the issue. 

Since then, the account has been permanently closed, and the funds are once again being held " under investigation. '' This has created an endless loop of account closures and restrictions, with no resolution in sight. Our company urgently needs these funds to pay salaries and suppliers, and this ongoing hold is causing significant financial harm. 

Attachments : Screenshots of the deposited amounts. 
Screenshots of the restriction notice received on XX/XX/2024. 
Email from Chase stating that they are going to close the account.

Request for CFPB Action : I respectfully request that : The CFPB reopens the investigation into Chase Banks handling of our funds. 
The CFPB ensures the immediate release of the {$48000.00} currently held by Chase Bank. 
Chase Bank provides clear communication and a resolution timeline to prevent further delays. 
The repeated account closures, contradictory information from Chase 's departments, and prolonged hold on these funds are causing severe operational difficulties for my company. We kindly ask for your urgent assistance in resolving this matter. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (AZ)

When I started out going to school, I was forced to get a private school loan from Genesis Lending, XXXX. XXXX XXXX, OR XXXX, I started in XX/XX/XXXX and was paying Genesis Lending from the time I started, and XXXX University and XXXX have a Law suite right now with over charging me and other students like me, I put my trust in them and now I am forced to pay higher school loans, I think this part of my school loan should be FORGIVEN, I have called Genesis Lending today XX/XX/XXXX and they basically told me to just keep my account current, so please help me and forgive this loan. Genesis Lending phone number XXXX. Thank you for your understanding. I was only trying to better myself and get a good job and XXXX XXXX XXXX University took advantage of my and others as well, I am so upset that this could happen, so please understand I am not made out of money!!!
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CT)

On XX/XX/XXXX I received a Short Year Escrow Account Disclosure statement from XXXX because the servicing of my account was being transferred to SunTrust mortgage ( I had an escrow balance of XXXX ). SunTrust ( ST ) sent my first invoice on XX/XX/XXXX. I will note that my mortgage with green tree was $ XXXX, once moved over XXXX XXXX that amount was reduced to {$1300.00}, and according to ST my escrow balance was {$2300.00} - I paid the XXXX on XXXX. Then on XXXX/XXXX/14 I received another invoice from ST in the amount of {$1600.00} - I paid that in XXXX installments of {$830.00} on XXXX and XXXX. Then on XXXX I received another letter XXXX XXXX indicating that they have reviewed my escrow acct and determined that I was owed {$660.00}. I XXXX XXXX to dispute this because my account was with them for only 1 month and did not understand how they could have already assessed my account to determine an overage. I called on the date of receipt XX/XX/XXXX and spoke to a cust. svc person. She told me there was nothing to be done, that I must deposit the check. I told her that my property taxes have increased and offered to fax a copy of which I did. No response from ST. I then continue to pay XXXXXXXXXXXX ( XXXX installments of {$840.00} XX/XX/XXXX & XX/XX/XXXX ), and then was billed for {$1400.00} of which I paid XXXX installments of {$840.00} on XX/XX/XXXX & XX/XX/XXXX. I then got a letter from ST indicating that I was in arrears and owed. I was told that they do not take biweekly payments, but then was offered a biweekly payment setup. I signed up that on XX/XX/XXXX and was sent a letter indicating that the deduction would take place on XX/XX/XXXX. The following month I was sent another letter indicating that I was in arrears, and was then informed that I needed to pay 1 month ahead. Their documentation states that the customer will pay a 13 month payment in the bi weekly program. It seemed reasonable because instead of XXXX payments of {$720.00} it would be XXXX. Based upon my calculations I will have paid 15 months from time I was acquired XX/XX/XXXX to XX/XX/XXXX. will be XXXX Then I received an email from ST on XX/XX/XXXX indicating that my escrow was short {$260.00}. then I contacted ST on XX/XX/XXXX. received another letter from ST on XX/XX/XXXX indicating that escrow was short {$620.00}. I paid it and received an email on XX/XX/XXXX indicating that amount was received. Today I receive my mortgage statement from ST and they indicate that I owe {$3000.00}. I have been paying SunTrust all along, and on time. I do n't know what to do and have not had success when taking with their customer service reps. 
It is imperative that I have someone from the CFPB address SunTrust on my behalf, I feel that they are trying to force me into an unnecessary foreclosure or are trying to bully me in to paying additional funds unnecessarily. Please help and stop the unnecessary harassment.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (CA)

My social security number was found on the dark web. I am concerned that some entity will attempt to open up a checking account or a financial account in my name using my identity, and social security number.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

ProCollect Inc. tried to collect a debt from me from XX/XX/2010. I never received a bill from the original person ( s ) and now 5 years later, this debt is on my Credit report. This is a medical bill from the physician that I never received. In Texas, this is past the statute of limitation and I have asked ProCollect to immediately remove this debt from my Credit Report. I have a daughter that will be heading to college shortly and this can ruin her financial aid if I cant apply for a loan to help her in school. I am asking for assistance in removing this debt from my credit report and to stop ProCollect from doing this to other people. This company needs investigating. Thanks
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I filled out a request on-line to Transunion in XXXX, 2015 to investigate a fraudulent reporting on my credit report. The request for investigation was for a line item on my credit report from XXXX XXXX, # XXXX, for a collection of {$410.00} that was from the XXXX XXXX XXXX XXXX in New Hampshire. I explained to Transunion that I did not bring my animals to that veterinarian, and further explained that when I called the vet to dispute the charge, the vet said the bill was for the animal " Willow ''. I explained that the animal in question was my x-wifes cat that she purchased years after our divorce. The vet also stated that the address on the account was my x-wifes, as well as the phone number on the account. Only the name was mine. Therefore, the vet removed my name from the bill but they did not remove the amount from collections. Therefore, I was disputing this amount on the collections with Transunion. Unfortunately, I never heard back from Transunion. When I called back in XXXX of 2015, they stated that they could see the request on-line, but the request never made it to the correct office to investigate my complaint. I then gave a second complaint over the phone, explaining all of the above. Transunion completed their investigation and came back with the result " VERIFIED, NO CHANGE ''. Therefore, I would like to file a complaint against Transunion for 1, not acting on my original request for an investigation into a fraudulent reporting on my credit report. But also 2, for completing the second request and coming back with a " VERFIED, NO CHANGE '' finding with all of the evidence clearly exists to show that this is a fraudulent charge.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (PA)

The company calls saying i have a dept of treasury debt i tell i dont they claim i do i tell them to sent me proof been over two months no proof and they continue calling when i told them to sto Company name CBE holding someone name XXXX XXXX
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (IL)

I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I need to know that you are really the company I should be dealing with on this debt. 
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them. 
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company. 
I also need to know how you calculated the balance you say is due. 
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement. 
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default. 
This agreement needs to be signed by a person in your firm with the appropriate authority. 
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me. 
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

I filed for a loan modification with Chase sometime in XXXX and Iwas called several times by Chase for the same documents overand over again. Then when all my documents were finally in andwent to be processed, I was denied a modification. I lost myjob, so I am not earning the money I use to make, but I amemployed or underemployed as the bank likes to call it. I do n't feellike I was helped enough, but given a rushed solution of doing ashort sale. I want to stay in my home if possible. Thank you.