davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/year>, a wire transfer of {$2300.00} ( Including {$25.00} wire transfer fee ) was taken out of my XXXX checking account. It was wired to a/an place/institution unknown to me. 

On XX/XX/year>, I noticed that my email ( that I use with Chase bank ) seemed crammed with junk mail and unusual solicitations. I checked all my bank accounts. All were OK except for my Chase bank account. My Chase checking account had {$2300.00} wired out, and now I have less than {$150.00} in my Chase Checking account. 

I called Chase immediately and filed a fraud report with the Chase agent. I was never notified of the wire and did not authorize the transaction. She advised that I call back on Monday, a business day when the Chase wire team will be back at work again. 

I did so, and called Chase several times after that, as directed. I was told it will take up to 5 business days to resolve my claim. I reiterated that it is fraud and I did not authorized or initiate the transaction. I froze my accounts and changed my passwords. 

I have never wire any money from my Chase accounts, and I have been a Chase customer of 20 years. I have always used paper checks and the free ACH for transfers and payments. This is apparent from all the records. 

I just got off the phone with Chase again. I still do not have my money back and received no updates on the situation. I am told now it will take longer than 5 business days. It appears I have no other option except to wait. I asked but was not provided with a time frame of how long this will take. And more importantly, I was not assured that I will get all my stolen money back. 

I am very upset that a huge bank like Chase can simply wire out all my money in an instant, and I am left to wait at their mercy while they " continue their investigation. '' I have been patient and given them more than 5 business days, as it was first told to me. 

I hope CFPB will let us consumers have a say on if we ever want wire transfers out that we be contacted first, as an option to safeguard one 's money in a bank. 

The only timeI ever used a wire-tranfer in my life was when I purchased my house and I was indeed spoken to and contacted by my banker at XXXX XXXX  XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I opened an account at the XXXX store to save money on my account. It was through Synchrony Bank and was an automatic withdrawal every month. On XXXX I closed the account and asked what the balance was and paid two amounts on that day. Confirmation numbers are XXXX and XXXX. I destroyed the card at that time. A month or two later, I started receiving notices about a late payment on my account. I tried to find out what was going on with the account and told them I had closed the account in XXXX. They could not tell me what the amount owed is and I wondered if it was the automatic withdrawal with Verizon. I told them I had started paying it through my debit card. On XXXX, a letter was sent to me about my inquiry. It was not responsive to what the issue was. They wanted information about incorrect sale amount or merchandise returned. On XXXX, I opened a dispute about the issue. In XXXX or XXXX,, my credit monitoring service let me know my XXXX score dropped XXXX points in one day, I thought because of this problem. I had another account through Synchrony that I had had for several years, Care Credit. I had never had a late payment in all the years I had it. I found out they decreased my credit limit from {$6000.00} to {$160.00}. I think my balance at that time was {$150.00}. I talked to someone about this on XXXX. They said they had sent me a letter about this and I told them I never got it. I asked her what the letter said, and she named off every imaginable reason that credit would be lowered or denied, including no property ownership, which is not true. I asked for a copy of that letter and I never received it. I tried to use the card once and it was declined. I have continued to be harassed by daily phone calls and letters and emails regarding my account that is past due. I was told on the phone once that charges must have come in after the account was closed. I never got information about what charges. Then, earlier this week, I got another notice from the credit monitoring service that my XXXX score had decreased because of a late payment from Synchrony. I havent had an account for a year and a half!!! Can you please help me? I am nearly XXXX now, live in an RV on minimal social security with my developmentally XXXX XXXX. I just cant deal with this and dont deserve this treatment.
Consumer complaint received 2018-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NC)

I applied for a Vehicle loan and was turned down because XXXX XXXX reported debts I knew nothing about, XXXX XXXX sent a debt letter to a third party, address I don't live. 

Under the Fair Debt Collection Protection Act, a debt collector can not disclose personal information to a third party without the written signed consent of the consumer.

Also under the same act, A debt collector by law has to give the consumer 30-days to dispute, and ask for validation.If not then the debt collector must delete the debt  for good. 

but instead, XXXX placed the debt on all three of my credit reports. 

Also violations under the North Carolina Consumer Protection Act.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (GA)

I quit my job on XX/XX/year>. I have a high-deductible health insurance plan with an associated HSA account . I opted to set up COBRA for health insurance, which allows me to continue contributing to my HSA plan. I set up my COBRA account, and a new HSA account was associated with the COBRA health plan. New HSA debit cards were issued, and this process took several weeks. 

On XX/XX/year>, I received an email from my old company stating that an audit had shown that they had missed crediting me with a payment to my HSA account. They said they would work with the custodial bank ( UMB ) holding my account to temporarily release it back to the company to fix the issue. Their fix involved marking me as an employee, which automatically closed my new UMB HSA account, canceled my newly received UMB HSA Debit cards and transferred money to another UMB account. This happened without UMB bank notifying me or requesting my ok or permission. This canceled tUMB HSA Debit cards, which I was just issued, were declined at the pharmacy and my doctor 's office. This is what caught my attention. When I called the UMB Bank they said the account was closed and I needed to speak the 3rd party administrator - XXXX XXXX - since they were the ones that closed the account. 

When I talked with XXXX XXXX, they blamed the HR department of my old company, saying they reactivated me as an employee, which caused the cascade of events. I can't even get reimbursed online because I no longer have the XXXX debit card associated with the account. I cut it up once I received my new UMB HSA debit card. 

So here I am, having to pay out of pocket for my medical expenses while XXXX, UMB Bank, and my former employer all point fingers at one another. This is a horrible way to treat someone when it comes to their own hard-earned money. There is very little recourse for me except to wait for it to be straightened out, but it only took them 1 day to snatch my access. This is not right or fair. My former employer was trying to do the right thing but they should have never been allowed to access my account once I quit the company. XXXX and UMB Bank should have recognized that I was their customer not my former employer.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (NV)

I signed up for a Wells Fargo XXXX XXXX XXXX to transfer balances from other credit cards to their 0 % balance promotion. They did not disclose that it would take two-weeks and I had a balance that would incur a deferred interest amount by the XXXX of XXXX. I paid the balance and asked them to stop the transfer. I went into a Wells Fargo branch and asked the banker assigned to call and cancel. The Active cash rep told the banker they could not because the transfer had been completed. I contacted Wells Fargo 6 times from XX/XX/XXXX to XX/XX/XXXX to have this and another transfer created by mistake cancelled but all I was told was that I would have to have the monies sent back from the creditors they over paid. 

I have since asked them to refund the monies and cancel the account. I have only received an email acknowledging my XXXX email and nothing regarding the physical onsite attempt to correct the transfer and nothing from the XXXX phone calls. Today the XXXX of XXXX I have a new balance of {$10.00}, XXXX that includes {$3900.00} of overpayments that I had tried to stop. I believe I have been given false information and taken advantage of. I wish to have the account closed, as I have requested many times.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

I talked to a Citibank representative on XX/XX/XXXX. I complained about a new monthly service fee. They helpfully reversed the fee and told me I needed to wait for my Citi->XXXX transfer to complete before closing my account. 

I called again on XX/XX/XXXX. The representative sent me a code over SMS to authenticate and asked me to authenticate in the mobile app. I did both of these successfully, but he said he also needs my debit card number. But a savings account doesn't even have a debit card. He said he couldn't transfer me to another agent because we weren't authenticated, and he said I should call back at another time and provide my [ nonexistent ] debit card number. I asked what else I could do, since there is no debit card, and he said that there is no other next step.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

XXXX XXXX XXXX XXXX Todays date XX/XX/2024 Dear, CONTRACT CALLERS INC Thereby dispute the validity of the alleged debt listed below Entirely. 
I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt. 

To credit reporting bureau this account was a deleted from my account in another debt collection name now it is reporting a new fraud collection I ask for this account to be deleted ACCOUNT NAME : CONTRACT CALLERS INC Original creditor : XXXXXXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$3100.00} Balance updated XXXX XXXXXXXX XXXX Original balance {$3100.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$3100.00} past due as of XXXX XXXX. 
Status updated XX/XX/2024 Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name CONTRACT CALLERS INC Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (ME)

I was notified that I qualified for student loan forgiveness. My Department of Education account reflects no loans on file. The three credit bureaus also show these accounts as closed and inactive. Aidvantage sent me a notice saying my student loans were coming due. I told them that wasn't true and offered to provide documentation. They stated that I still had loans. If the holder of the loans- the Department of Education- says there are no more loans, then there are no more loans.
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

MACYS/CBNA {$1000.00}, In this account it was sent out to the wrong address which was stated on many of the bills as XXXX XXXX XXXX, XXXX, CA XXXX. The address was completely incorrect, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had a XXXX XXXX XXXX this address where my other bills were forwarded to my XXXX XXXX XXXX I had to make the proper change before moving. For about 1 year, Macy 's was sending my bills to the wrong address Documentation has been mailed to me with the incorrect error on my credit report. I contacted them on XX/XX/XXXX, to make the proper changes, but was too late and my account had been sent out to the collection agency at XXXX and XXXX. 

The latest settlement offer was from client services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Account XXXX XXXX settlement offer of {$620.00} before XX/XX/XXXX
Consumer complaint received 2020-04-27
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}
Consumer complaint received 2024-05-06
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: National Credit Adjusters, LLC (TX)

This complaint is to formally advise NATIONAL CREDIT ADJUSTERS that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second dispute and I have had no correspondence back from your company in over 45 days. Specifically you : -Trying to collect a debt past the statute of limitations- FDCPA violation XXXX Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, \ '' Admission by Silence\ '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards,
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

Reference XXXX. You closed the complaint even though I told you I had not received a response. As of XX/XX/XXXX, I have not received a resolution letter from Nationstar ( DBA Mr Cooper ). They said they sent to me. Please send it to me directly. Given the overall lack of communication from Mr Cooper, I have zero trust that they sent a response.
Consumer complaint received 2018-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, XXXX, and TransUnion to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (VA)

I want a full refund on my private student loans for having attended XXXX  XXXX XXXX XXXX Fraudulent school and receiving your predatory private student loans. 

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX. As a matter of fact, XXXX XXXX were investigated and found to be a scam school by the Department of Education. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX, and my Fed. loans were discharged and my credit repaired. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Consumer complaint received 2016-10-07
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Hi Wells Fargo Bank Employees Ripped of Customers XXXX XXXX #? Accounts I Banked there, I, m Very Sad, and Appauled at this Bank, I made a Business Account in the Wells Fargo Bank, To Start a Co, when the man wanted me to use my XXXX XXXX XXXX and Bank Card, he said the Machine was n't Working about 6 Times I Slided it through? very Fishy Scene, I think theres a Hint to my Account involved in the Wells Fargo Bank Rip off s of Me, Period, I Banked my SSI Checks there for over 7 Years? I would like a Full Legal Document Stating, What are my Restitution Rights for being, Depressed, Angery, and Not Trusting Any Bank up the Street XXXX of Them? I would like a Full Total of my Rights of Whats Owed to me = From this Sick Rip off, Legaly Stating Amount $ $ to be paid to me, and Mayby I, m going to Take to Court? Please asap By