vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. <P/>I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. <P/>XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. <P/>Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. <P/>Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. <P/>Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. <P/>Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. <P/>The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! <P/>I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. <P/>THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! <P/>I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. <P/>I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. <P/>I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! <P/>Help me! I believe I have been intentionally deceived. Do what must be accomplished. <P/>Thank you. <P/>XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A request was forwarded to Experian regarding multiple accounts requesting them to provide verifiable proof of the negative events they are showing on my credit report, and to date, I have yet to receive any information to confirm that the information they are reporting is accurate or correct, needless to say, they continue to report INCOMPLETE accounts. I have contacted Experian 's office on XXXX XXXX, 2017 and spoke with XXXX ( in the Disputes Department Team Paragon ) the  United States and advised of this and he placed me on hold and did a conference call with one of the creditor 's in question. I asked XXXX if they did this upon my initial request, why in fact are we doing this again. According to him, they did n't do this before, they only sent an automated request and awaited the company 's reply. I advised him that this is not a reasonable investigation according to the FCRA and them continuing to report incomplete account information is complete violation of the FCRA. According to XXXX, the companies are allowed to report whatever they want to report and Experian ca n't do anything about it. I reminded him that this is willful and malicious violation of the FCRA and self admittance that they are n't in compliance and are not able to verify anything that the companies are reporting. He stated there is nothing that can be done. <P/>We finally were connected to XXXX at XXXX XXXX XXXX XXXX, which was one of the accounts in question. I asked if XXXX if they received a credit dispute from Experian and he confirmed the dispute came over on XXXX XXXX, 2017. Per XXXX at XXXX XXXX, he stated that the request came over that the needed to verify name, address and DOB. I advised him that this was not the nature of the dispute sent over to them. I asked XXXX at Experian to refer to my letter sent over and he did and he stated they disputed the account as " NOT MY ACCOUNT ''. I advised him that nowhere in the letter does it state that and hence the reason for the account still reporting incompletely. Per the information on the updated credit report, it reflects that the account was " updated '', HOWEVER, there is no new, updated or changed information on the report. <P/>We were able to contact the Office of the President of XXXX XXXX XXXX XXXX  and spoke with XXXX ID Code : XXXX who confirmed the information came over as they needed to confirm the account holder 's name, address and personal information. ,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was working with Lexington Law Firm 's and they told me that the amount of  XXXX  and  XXXX  was taking of my account but here it was n't off my credit, so i called Lexington Law Firm 's and they told me, for me to get any information i would have to pay again. A year i paid them  XXXX  a month and i cant get no help from them, what do i do to get the amounts of my credit that Lexington Law Firm 's told me they did ... .and how can i get my money from Lexington Law Firm 's since they didnt do the job that i paid them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CBV Collection Services Ltd.

Complaint narrative:
these people start calling me at  XXXX  in the morning and as late as  XXXX  also sometimes on the weekend. I had to change my phone number and cost me money  I d ont have to spare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a   XXXX   XXXX   XXXX   on  X/X/17  I paid  XXXX  in cash and a trade in of a   XXXX   XXXX   XXXX   for    XXXX    in which they deferred another  XXXX  up in  four  payments of   XXXX  . The first payment made on  X/XX/17  the motor blew up and I was without a car for a week and was n't reimbursed for my rental for almost  three  weeks. I was informed that the replacement motor was also defective so they were going to give me a newer model   XXXX   XXXX   in which his all transpired on    XXXX   . I then realized they had made the mistake on the payment dates and I called them and they adjusted that for me which took a few days. Well on     XXXX   XXXX   XXXX     I realized that they had n't pulled my payment out I called and realized my credit card had been stolen and money in my account was compromised. So I called my bank they stopped the card issued me a new one and I kept in contact with CNAC to let them know as soon as I get the new card payment would be made. During all this myself and Co-signer   XXXX   XXXX   had both changed jobs. In which I disclosed to CNAC as well. So on  XXXX  I received my new card spoke with a  XXXX  we tried to run the payment  three  times did n't go through, it was after bank hours so I had to wait till sat  XXXX  to call bank they realized something was wrong with cars said they would issue anothe r one. Well Mon day was a holiday. Tuesday  XXXX  when I got off work tried to call to make payment and CNAC was closed.  Forty five m in later repo people were at my door. I called CNAC on  XXXX  right at   XXXX   XXXX   to make a payment was treated very rudely and disrespected put on hold fo r five m in then was told management made a decision that they were n't going and further with the relationship with me. O trie d two mor e times to make the payment which by   XXXX   was only 12 days late and in the amount of  XXXX . I just want my car back and continue to work and provide for my family. Please help me I feel this is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX2017 I filed a dispute with Western Union Netspend Prepaid Card company, regarding unauthorized charges, totaling {$320.00}, on my account. There were multiple charges. I sent a letter of dispute to the card company and after 10 days, they issued a provisional line of credit for the amount of the dispute. On XX/XX/XXXX2017 I received a notice from the company stating that {$200.00} of the dispute were found to be valid charges. The notice stated that my account would be charged for the provisional line of credit. The remainder of the charges ( {$110.00} ) were found to be unauthorized and the line of credit is made permanent. I am enclosing pictures of my letter of dispute as well as the notices I received. None of these charges were made or authorized by me. XXXX of the charges that was found to be unauthorized was made to the same merchant on the same date as the charge that was found to be authorized. I have contacted my card company concerning the results of their investigation and the representative insisted that the charge was valid and that the investigation is closed and ca n't be reopened. The representative informed me there is nothing else I can do. I then requested the account be closed, which they obliged. I do not want to be charged for purchases that I did not make or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
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.
State: AL

Complaint narrative:
I FILED CHAPTER   XXXX   IN  XXXX . AFTER 7 YEARS  XXXX  AND  XXXX  REMOVED FROM MY CREDIT FILE. IN  XXXX  AT THE 7TH YEAR MARK EQUIFAX PLACED ON MY CREDIT FILE AFTER 7 YEARS OF NOT REPORTING. I ASKED FOR THEM TO REMOVE THEY STATED WILL STAY ON FOR 10 YEARS. WHILE THE OTHER   XXXX   BUREAUS HAVE REMOVED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: C/C Financial
State: FL

Complaint narrative:
Good afternoon, I called Merchants Preferred Lease-Purchase Services several times, and I did not get a concrete answer or solution to my issue. In XXXX, I called and planed an automatic additional payment of {$150.00} of my agreement. The initial agreement was for {$1000.00}, including {$49.00} that I paid when I received the agreement. On XX/XX/XXXX I called to finish paying the outstanding balance of {$270.00} ( amount indicated by the company by phone on the previous call ). I made six payments in addition to the first one of XXXX XXXX already mentioned, so I paid a total amount of XXXX .
<P/>
When I called to make the final payment, they told me that my final payment date was actually on the XXXX, not XXXX, the one thing that neither agrees with the information previously received, nor with the e-mail sent by you. The email sent by you onXX/XX/XXXX indicates that the recurring fee would be deducted on XX/XX/XXXX, so It is not consistent with the date they previously mentioned. In addition, in my agreement the first payment wasXX/XX/XXXX. <P/> I contacted them not only by e-mail, but by phone a lot of time, and they always told me that the supervisor would contact me, which never happened. They told me that they would check my calls to verify the information they had been giving to me, however I never received that call. On XX/XX/XXXX ( yesterday ) they called to advise that I have to pay more.
<P/>
I sent letters to them, which I am attaching to my complaint, however I never received response.
<P/>
I have been not only punctual in my payments, but also I program additional payments with anticipation. I am a responsible person with my debts and my obligations and my intention is to keep myself as such.
<P/>
For all the reasons stated above, I requested a stop payment on my bank and They are NOT authorized by me to debit any other payment from my bank account.
<P/>
I have been waiting for their e-mail or call, since XX/XX/XXXX. <P/>
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a chase sapphire preferred credit card sometime in  XX/XX/XXXX  to  XX/XX/XXXX . After a few months and a couple of transaction, I decided that I did not like the card and ask the representative to close my card or convert it to a different without a fee, as the  Chase Sapphire Preferred card ha s an annual fee of {$95.00}, which is waived the first year.  <P/> Fast forward to  XX/XX/XXXX , and I have n't used the card in many many months ( almost a year ), and I find out that my card has n't been closed and I 've now been charged the annual fee even though I c ontacted Chase to close/change   my card almost a year ago.  <P/> I do n't recall how I contacted them and there is no record of my initial contact because if I did it over the phone, I did n't record the conversation, and if I did it online on their secured messages, they purge the messages on their end.  <P/> This is a deceptive practice b y Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I filed a complete loan modification application on XX/XX/XXXX. Following that, the bank filed a Praecipe for sale on XX/XX/XXXX. At around the same time, SPS informed me that I needed additional 'Required Information ' in order to review my account for a loan modification. Around XX/XX/XXXX, I learned that a foreclosure sale had been set forXX/XX/XXXX. I filed with SPS all of the " Required Information ' on  XX/XX/XXXX, which was 39 days prior to the sale date of XX/XX/XXXX. As a result of having a complete application, and the updated 'Required Information ', SPS should have taken steps to stop the sale pursuant to federal law. However, what has been happening instead is almost everyday since XX/XX/XXXX, SPS has come up with a new piece of 'Required Information ' that they then tell me will take 4-5 days to evaluate after I submit that newly-required information. If there was new information required, it could have and SHOULD have been given to me all at once so that the whole process could have been completed within a week. And by 'whole process ', I mean the process of establishing what, if anything, was still missing. Instead, it 's been nearly three weeks since I submitted a complete application, and SPS still ca n't tell me if they have everything. At the same time, they 've refused to stop the sale. This appears to be a deliberate attempt to inflict emotional distress, and to that extent, its clearly working. I 'm confident that when I call back later this week that they 'll find something else new, and another 4-5 days will be added to the ongoing agony of having the sale date hung over my head like a sledgehammer. It 's truly unconscionable. In addition, I have repeatedly asked SPS to 'Cease and Desist ' any and all collection activities on this account since they have failed to properly Validate the Debt per two letters I sent them via certified mail. Instead, they simply respond that they we '' Cease and Desist COMMUNICATION with me, but they are still moving forward with collection ( IE foreclosure sale ) of a non-validated debt, in clear violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired inXX/XX/XXXX. <P/>Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Emailed Customer service per their instructions the way to revoke auto withdrawls from bank account on  XX/XX/XXXX . They did not honor my request and withdrew on  XX/XX/XXXX  causing an overdraft.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased the vehicle from XXXX XXXX on XXXX XXXX 2017. I was financed by Westlake financial, the same day as purchase, as the sole lien holder of the vehicle. I paid bothXX/XX/XXXX and XXXX 's payments on XXXX2017 to the lien holder of Westlake financial accruing to the total of {$450.00}. On XXXX/XXXX/2017 at approx. XXXX XXXX My vehicle was repossessed by the seller, being XXXX XXXX, who was not the lien holder at that time, or currently, yet they are telling me that the finance company is forcing them to buy back the car. But when I spoke directly to the finance company they told me they would not do that for one late payment, especially when it had been paid. When the dealership has been paid and is only the seller and has no legal claim to the vehicle in the state of Florida as the only party that can order a repossession is the lein holder.

Company response to consumer: Closed with explanation