davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

On XX/XX/XXXX I made 2 transfers that involved my other bank accounts without any issue, and 1 on XXXX XX/XX/2023, shortly afterwards I received an email saying that they put my account on hold and that I'm supposed to call them and so i did. I explain to 4 different people in Fifth Third of what is going on, they said that they use a 3rd party application for these transfers and it was not able to provide that I am the owner of those bank accounts, i told them i am the owner and i can provide them with the account statements. However, they do not accept account statements being emailed or send electronically, they want me to come to a branch and show it to them. I asked them where is the nearest branch to where i live and they told me it is 9 hours and 56 minutes away, i ask them is it reasonable to ask me to drive or fly all the way there just to show account statements, i also asked if they will reimburse my travel expenses if i do and they said no. 
They blamed me because i moved away from their branch, I guess that they dont realize people do not always live in the states where they opened their account or that moving out of state is a foreign concept to them. Eventually, they gave me 2 choices which are close the account or drive 9 hours and 56 minutes just to show them account statements that can be send electronically. I told them you can close the account but the funds that i have in the account can either be send in a check after 30 days or i can withdraw it through their partner ATM which there is a fee to that. I dont understand why they need to keep XXXX of my money for 30 days if they choose to close the account today. 

In 2023 where any other bank accounts including IRS accepts electronic documents, apparently Fifth Third does not. In addition, i also would like to add that i have shown every good faith that i have, yet Fifth Third treats their 3 year long customer like a criminal and at the same time they dont want to provide a reasonable way for me to provide the account statements and they keep my money XXXX for additional 30 days, just to let you know, Fifth Third also withdrew my money from my other account then put the hold on my account, which if you think about it is highly unethical. Moreover, the total amount of money after the transfer is a little over {$4000.00}. 

For the customers, I hope you read my case with Fifth Third and think twice before opening an account with them, and as for CFPB I hope you view how unethical they operate and make an example of banks who hold their customers money XXXX.
Consumer complaint received 2016-02-22
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (OR)

I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account never been late XXXX XXXX XXXX XXXX  number XXXX. I have attach the proof of my on time payment. 
It has come to my attention that there are errors on my credit report. Case law in XXXX XXXX XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or fix it. I am demanding the proof be provided that these accounts are in fact late or removed late payment. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. Please make the requested corrections on the following account XXXX XXXX XXXX XXXX number XXXX Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. Please provide me with an update report within the 30 days established by law
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OH)

In XXXX I opened an account with Chase Bank in XXXX Ohio. On Saturday XXXX XXXX my wallet was stolen and my debit card was utilized for multiple transactions totaling in {$880.00}. My wallet was stolen at about XXXX XXXX, and I was unaware of its absence until approximately XXXX. I had miss placed my phone and was unable to call to report it stolen so I used a disconnected cellphone through its wifi capabilities to message an ex of mine whom I still shared an account. He called the visa card fraud agency at XXXX to report my cards stolen for me. First thing Monday XXXX XXXX I went into my local bank to report my card stolen. My personal banker spoke with the fraud department personally and filed the claims on the fraudulent activity for me per their specific instructions and informed me the money would be back in my account within 5 days. On XXXX XXXX I filed a police report with the local police, report # XXXX. On Friday XXXX XXXX I called the call center after work to find out the status of my claim and I was informed it was being denied because it was filed improperly. On Monday XXXX XXXX I went back in to my local branch to have them refile the claim since they were the ones responsible for the way in which the claim was originally filed and again my personal banker called and went through the process of filling the claim as he was instructed. Again my claim was denied, this time they said it was because of the short length of time in which I had been in business with them. I again requested to have it reviewed, this time the claim was sent to the executive office and again it was denied. This time they claimed it was because I was able to access it from a mobile device but I had not yet called to report it stolen. They acted as though they did not believe me that I was using a disconnected phone via wifi, and refused to acknowledge the fact they failed to deactivate the card after my ex-partner had called and reported it stolen through visa. I went into the branch the following day to see if there was anything they could do and they spent over an hour on the phone until they were informed there was nothing they could do for me and that they were to inform me Chase was terminating our relationship. On XXXX XXXX I received XXXX checks from Chase in the amounts of ; XXXX, XXXX. The XXXX for XXXX is the exact amount for XXXX of the fraudulent charges, the other does not match any of the charges. I do n't understand how they can pay me out for XXXX of the fraudulent charges but not for the remaining charges if they claim it was due to my behavior/actions.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a collection account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX Account Number:XXXX Date of Collection : XX/XX/2023 Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Equifax and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. Sincerely,
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

I applied Chase XXXX XXXX Credit Card on XXXX/XXXX/2016. To meet to minimal spending for sign-up bonus, I used it to made purchases about {$2500.00} on the weekends. But they suspended all of my Chase credit card on XXXX/XXXX/2016. After a call to Chase Customer Protection department, they assured that I would get a phone call in XXXX 7 business days. Until today ( XXXX/XXXX/2016 ), I never get any call from them. And I already pay off all the balance in both accounts last week. I have more than {$800.00} in XXXX accounts, which I can not use.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (VA)

XXXX XXXX XXXX XXXX ( XXXX XXXX ) on the behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated several laws attempting to collect a debt. Information was disclosed to my spouse ( non-signer ) and suggestions were made that I was having an affair and a XXXX. This same XXXX XXXX threatened to have me arrested at my home or place of business. He would find me and take me in. I acknowledge that I owe the debt and made partial payment today in an effort to resolve but my rights and the law were violated in the effort.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNT : XXXX XXXX.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NC)

I am a US citizen and was interested in buying a horse from XXXX. A local XXXX, XXXX XXXX, was contacted by my buyer agent to perform a pre-purchase XXXX exam of the horse. XXXX XXXX was instructed by email to follow the usual procedure for these exams, which is to begin with a review of medical records, if all is well, then proceed to a physical exam. If anything important is found, stop the exam and contact us for authorization BEFORE proceeding with more expensive tests such as XXXX, etc. He agreed to this arrangement in writing and required my credit card information before scheduling. 
On examination, he noticed an XXXX on the horse 's XXXX. The medical records revealed the horse had XXXX a few months before ( and was NOT disclosed to us by the owner ). This is a significant finding and disqualified the horse from purchase. Instead of stopping the exam at this early stage and notifying us, as agreed, the doctor instead continued billing with expensive and unauthorized testing totaling {$3900.00}. 
I tried to resolve this with XXXX. I offered to pay him {$200.00} for his review of records and initial physical exam of the horse when he first saw the XXXX. No response. 
A credit card dispute was immediately started with Chase. Multiple documents and expert opinions supporting my request for a chargeback were submitted. In good faith I made the same offer of {$200.00} which Chase accepted payment. The dispute for the remaining {$3700.00} dragged on. 
Over 4 months later, Chase rebilled me for the {$3700.00} amount. I will appeal this decision again and institute a complaint with CFPB.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NJ)

I 've had issues with Nelnet and the distribution of payments since I began paying off my student loans a few years ago. An article for the CFPB suit filed yesterday against Navient caused me to look into my own payment history. Sure enough, for the last XXXX months, my payments have been distributed to only XXXX of my XXXX loan groups. This issue has occurred on multiple occasions and normally handled with a call or a Live Chat session ... until the next time I look at my account. The reason I get from the representative is that since I voluntarily paid more toward the XXXX loan group ( added money on top of my autopay ), they were distributing my automatic payment to the other XXXX groups in an effort to catch up. This XXXX loan group, although I am ahead on my scheduled payment, stays idle and collects interest. For the last XXXX months, my automatic payment has not been distributed to all XXXX loans and I am collecting interest on this neglected XXXX loan group. 
In addition, you are able to autopay more than the minimum but that will be distributed throughout all of your loan groups. Nelnet makes you need to go to a different part of their site to specify an additional payment to any XXXX specific loan group. One of the most efficient and effective way to tackle student loans is to target the highest interest rate loans. Nelnet makes it inconvenient to pay by specific group by not allowing you to automatically pay extra to any XXXX specific loan group. 
This is a regular occurrence for me, and with the recent claims against Navient, I would not be surprised if this was occuring with Nelnet as well. I am diligent in paying off my student loans, but I am submitting this complaint on behalf of the thousands of other students buried in student loan debt who are potentially being taken advantage of.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (AZ)

The J.P. Morgan Chase Hamp Modification Executive Office in XXXX, Ohio is stonewalling me by not completing my resolution for a XXXX Lien Modification. They have been claiming for 4 months that the U.S. Treasury has not given them my correct address based on the information received from my XXXX lien holder XXXX, which did grant me a XXXX lien Hamp modification. They are lying, using the cover of " government inefficiency '' to accomplish their goal of trying to make me give up on this process. The Chase # is XXXX XXXX. Please! I need help. Thanks. 
Committee
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC (CA)

I called the trans world system inc to inform them that they purchased a debt that has been resolved and to contact the originator creditor, but refused to and asked me to provide proof that I do not have as a co-signer.and threatened of legal proceedings.
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!!
Consumer complaint received 2015-08-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (SD)

Barclays bank took {$9700.00} from me and instead of paying off my Barclays account off, they sent the money to XXXX XXXX XXXX and paid that amount on the card I had there. I contacted them several times and told them what had happened. They investigated and sent me a refund check in the amount of {$9700.00}. After several weeks and additional conversations with them, I cashed the check and sent them a payment of {$9400.00} to pay off my account. After a few days, Barclays stopped payment on the refund check. This caused my checking account to be overdrawn by several thousand dollars. I contacted them to ask them what was going they said we stopped payment on it because that would put them in the hole because XXXX XXXX XXXX has the original money. They never contacted me to tell me that not the cash the check. I held it for almost a month. I asked them why they sent the refund check in the first place, I never asked for one. They had no answer for that. I talked to a Supervisor ( XXXX ) and he said that they really messed up. Also, he said the only way I would get the money back was to get XXXX XXXX XXXX to refund me the money. I told him why would have to do that. It was n't my mistake. Barclays should be asking for that money back. They have done nothing in the last two days. I 'm now short {$9700.00} dollars.
Consumer complaint received 2015-03-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX).  This left me on XXXX so I defaulted on this loan.  I have been trying to sell my home to pay of this loan.  Last year, Wells Fargo agreed to reduce the balance of the loan.  I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale.   The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer.  When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount.  So I said:  "Is your letter of XX/XX/XXXX a lie?"  They said, "yes."  

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

CFPB helped me with this matter back in XX/XX/XXXX.  It has an old case number, but we need a new case opened up on this.  The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate."  So I will not give you the old case number unless you ask for it.  However, with my email address you can see the transaction.  Thank you so much for your help.  I am trying to settle my debts with the sale of my home I built in 1987.  I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies.  Thanks for your help.  I really am grateful for the CFPB.  Best wishes, XXXX