davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My parents set-up a trust account 3 yrs ago due to health issues and to make it easier for my brother & I to have access to their financial accounts once they passed away. They listed me as the first trustee and my brother as successor trustee. Chase Bank is making us work to get to the money. Here are some of the things that have happened : 1 ) Chase lost the form that my Mom signed listing my brother & I as the beneficiaries of one of her accounts - we had to hire Mom 's attorney to do additional paperwork at a cost of {$500.00} to get the account moved into the trust so we can access it ; 2 ) I was asked to create a NEW trust account with my name, SSN, and Federal EIN number in order for Chase to move the old trust funds into the new trust account ; 3 ) Now I am being told that I have to create another trust account because they are unable to move the original trust funds into the newly created trust fund ( different EIN and SSN numbers is the excuse ) ; 4 ) the trust account was frozen after my Mom passed away but when we needed to access funds, they were able to unfreeze the account but then the problem with getting some funds was that " someone '' had started reinvesting the money. This was odd because we were told that XXXX was the person in charge of Mom 's account. We had n't authorized any reinvestment of the account.
Consumer complaint received 2017-07-10
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. (CA)

Hi, I filed a dispute with chase bank on XX/XX/XXXX. They sent me a letter that the dispute was resolved in my favor and the credit should appear on my next statement and online immediately. It has been over a month and nothing yet. I purchased 5 phones over the course of a few months and a screen protector. I have returned all of them and received refunds, but there is an extra charge for an item I never purchased. Chase keeps giving me the runaround when I call them. This is a XXXX charge that they are not reversing. Not sure how I can prove I never received an item I was charged for. If I never had it in possession I cant prove this.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA did XXXX unauthorized distribution out of my escrow account in XX/XX/XXXX. I called numerous times for them to resolve the issue and they say it is a system issue and that they need to " reconstruct '' the account and that they need more time to solve their system issue. I have personally calculated all the escrow payments and disbursement and get back to their " incorrect '' ending balance that they are saying is correct. I have given them time to fix the issue or provide a solution that has n't been resolve from my first call on XX/XX/2016
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I deposited a check made payable jointly to me and my wife into a joint checking account with my endorsement. I have done this before at my bank 's branch without any problems. Most recently I deposited this check without any problem. The teller accepted the check for deposit. 

Days later the funds were removed from our account. Our balance overdrew, and we were told my wife must endorse the check. Supposedly the check ( which has already been endorsed by one of us ) is in the mail back to us. It has been a week, but we do not have it. We were told, at first, there was a XXXX tracking number ; now there is no tracking number after all. 

Had the bank refused the check without endorsement from both parties, it would have been endorse by my wife in twenty minutes. Instead the bank took the check, then took the funds, and it has not given either the check or the funds back.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Written Equifax Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail Equifax XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, 1997 When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement
Consumer complaint received 2017-07-10
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: EQUIFAX, INC. (TX)

These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XXXX however the company did not post it CLOSED until XXXX the Credit Companies are reporting an ok Rating from XXXX thru XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

I received a promotion email from Wells Fargo on Tue, XXXX XXXX, 2017. In summary, the promotion is, spend {$10.00} on the App Store or XXXX using my Wells Fargo credit or debit card and earn a {$10.00} statement credit. <P/>I enrolled the promotion and spent eligible purchase but have not received the {$10.00} statement credit. I contacted Wells Fargo directly but received only generic and template emails. <P/>Wells Fargo stated that I did enroll successfully but my purchase has not met their requirement. In order to receive the statement credit, I need to purchase with XXXX devices. <P/>However, there is no statement of the XXXX device on the fine prints explaining the promotion. I 've attached the email and secure messages between Wells Fargo and me. <P/>I sent the promotion email that I received from Wells Fargo as a proof/evidence but they did not even read my email and replied back to me with template email.
Consumer complaint received 2017-01-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2017 I went into a Chase branch in XXXX XXXX, MI to apply for a checking, saving, and credit card. I was approved for the checking and savings accounts, which offered a {$500.00} bonus ( {$300.00} for checking and {$200.00} for savings accounts ) for creating both, provided a few conditions were met : namely, setting up Direct Deposit for the checking account within 60 days and depositing and keeping {$15000.00} into the savings account for 90 days. I made an initial deposit of {$1500.00} into the checking account, and {$15000.00} into the savings account, fulfilling all the conditions except direct deposit, which I was in the process of setting up. The offer stipulates that the bonus would be deposited within 10 business days. 

I began using the account as I normally would for a primary checking account. I made a mobile deposit of {$5.00}, and initiated an ACH transfer of {$100.00} from my old checking account. 

However, just two days later, I received a phone call from XXXX XXXX, the CSR who set up my accounts at the Chase Branch. He informed me that Chase was closing my accounts in the next 10 days, and that I would need to come by the branch in the next couple days to pick up a check for the balance of all my accounts. I was told no bonus would be given, despite me having met the conditions thus far. Conversely, I had no disqualifying behavior according to their terms ( e.g. I had never taken advantage of a previous checking/savings bonus ) Chase breached this contract on their own, is holding {$16000.00}, and should now have to pay the {$500.00} bonus I would have earned if they did not take this action. 

In short, I relied on their promise to pay me a {$500.00} bonus and would not have set up these accounts but for that promise being made. In return, I received nothing and Chase is earning interest on my money while making a false promise. This is unfair and Chase should be held accountable for their promises and advertisements.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC ()

DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (IL)

I was attending college to become a XXXX when I found out I XXXX. I was out on XXXX by my doctor due to being sick and XXXX. I told my program director about my issue and we decided that taking the rest of the quarter off would be for the best. A few weeks later I received a letter in the mail from the school stating that I was being terminated from the program due to my " lack of attendance '' and that I could not return back until my loan was paid in full. I had since been informed that there was no documentation about my request for the time off and that, since there was no proof, there was nothing they could do. I 've been applying for income based repayments and deferments that put me at {$0.00} payments but interest is still accruing. I now have XXXX children and I 'm trying to resolve this issue. I 've tried everything I can think of. Interest is still building and at this rate I fear I 'll never be able to get ahead. i just want this as resolved as I can possibly make it.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (AR)

Made a payment on my credit card on XXXX/XXXX/16 - checked balance today and found out the payment is on hold. Told by agent I had made too many payments the previous month so they placed a hold on the account. Transferred to supervisor and advised the hold was random and authorized by law and that the Federal Reserve had placed a hold on the payment even though it had cleared my checking account. Stated the hold would be in effect for an additional four days ( 11 days total ). I contacted the Federal Reserve and they stated there was no law putting a hold on payments by the Federal Reserve and they referred me to you.
Consumer complaint received 2016-11-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (OH)

This company called Midwest Recovery System said I owed XXXX. 
When I checked my credit report I notice they put it in collections I dont owe this debt. I am so furious .I called this company with XXXX from the fraud dept This guy I talked to was very rude told I dont owe this. Then I said I never received anything about this. 
all of a sudden I got a document from them thru email. How about that showing up I want this off my credit report.I. gave him info all of a sudden I got a document.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (FL)

I have 2 different deragatory marks on my credit report that I am disputing because they are false One on the XXXX end for {$3900.00} and one on the XXXX side for {$2100.00}. I have paid and continued to pay the direct hopsital on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted Gold Key directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (VA)

I have an unverified account from LVNV Funding on my credit reports. I have repeatedly disputed this account with LVNV Funding and the credit bureaus. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that LVNV Funding provide verification of the following : XXXX. The original application or contract XXXX. Any and all statements allegedly related to this debt XXXX. Any and all signed receipts XXXX. Original date of default and collection activity dates XXXX. Whether you purchased the debt, and if so, the amount paid for the debt. 
XXXX. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 
I demand that the account be removed from my credit reports and that LVNV Funding cease all communication and collection activities until providing verification of this supposed debt.
Consumer complaint received 2017-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I used Venmo to sell an event ticket ( which I only found out after the fact I could n't do or I would n't have done it ). Venmo cancelled my transaction of over {$1200.00} and took the money from my account. The issue is n't with the {$1200.00} ( if it is indeed fraud then I may be out that money and just have to " XXXX XXXX XXXX '' if you will ). The bigger issue is the over {$490.00} that is still in my Venmo account that I can not transfer to my bank account. Venmo is holding this money " hostage '' essentially. I have not heard back from their customer/account representatives and I need this money returned to me as soon as possible so I can use it to pay critical bills.
Consumer complaint received 2016-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My mortgage company is charging me excessive escrow amount. I bought my property XXXX, XXXX. This was a new building. The taxes on the land only was XXXX per XXXX. In XXXX the property was assessed and the additional amount for the improvement was XXXX covering XXXX XXXX to XXXX XXXX an eleven month period. my total for XXXX was XXXX and my XXXX estimate is XXXX. Their escrow analysis shows my taxes as {$18000.00} which is wrong. They use the XXXX as taxes for XXXX and as added assessment for 11 months. I have been trying since XXXX to explain but and have my escrow at an accurate amount but they refuse to have an accurate amount. 
Thanks for your help in this matter. 
My Mortgage company is Ditech, XXXX XXXX TX. Tel. # XXXX
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

To whom this may concern, I am worried that either through identity theft or inappropriate account management a number of unauthorized Wells Fargo & Company accounts may have been opened without my permission. 

I kindly ask that Wells Fargo & Company provide me with all of the current and former account numbers opened using my personal information and the signed contracts / deposit agreements authorizing the opening of those accounts. 

Sincerely Yours,
Consumer complaint received 2016-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Cadillac Accounts Receivable Management (MI)

collection agency contacted me about a medical bill, a single bill. But when they reported it to credit agencies, they listed it as XXXX separate bills, and then lumped it all together into a XXXX bill to the credit monitoring agencies. I only have XXXX unpaid bill that the Veterans Affairs did not pay, not XXXX. If I add up the XXXX bills they broke the XXXX into, it 's more than what I owe total. I owe about {$3700.00} that the VA did n't pay, but if you look at the claims, I owe almost {$10000.00}, which I do not.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I went through debt consolidation with XXXX. One main financial continues to call me to set up a payment or to get more money from me. They have agreed to the consolidation and have continued to harass me. Forced me to pay XXXX dollars after they agreed to the consolidation and called me 4 times since the agreement.
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc (AZ)

I received my credit report and found a collection from the best service company. I disputed this information with the company. In response, they sent me statements as verification of debt. I have no validation of how this account became allegedly overdrawn. Mere statements do not show a detailed explanation of how these accounts became overdrawn. The statements that I received show XXXX different balances. This is not validation of a overdrawn account. I do n't know what caused this account to be allegedly overdrawn except for there was some form of a bank debit return item. I do n't know what that is? Where is the documentation of this bank debit return item? What was returned? Why was it returned? This information was n't provided to me at all. I never received any form of notice that I had thirty days to dispute the debt before it became valid, I was informed after receiving the statements that my credit report would be updated and there was no reason to not pay the balance. This is a clear violation of my FDCPA rights. XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

These statements do not meet the burden of validation or verification.