davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC (MD)

False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. 

The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. 

On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. 

I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I called and closed my credit card account. At that time I asked if there were any pending fees, charges, etc that could mean I still owed money. I was told there were not. I had paperless billing on so I was not receiving written statements. Account was closed and 3 months later I received a bill for XXXX {$50.00}. I called up and was told that there were pending fees and now those fees had fees on them because I had failed to pay them in a timely manner. I argued with the service representative and was transferred to a manager who said that because I had been a good customer they would remove all fees, balances, etc. I told them to please note that on my account and turn on paper billing so I could get a record that the account was finally closed and done. One month later I received a bill for {$65.00} including late fees, etc. I called and they claim there is no record of me speaking to them last time and that my only option is to pay the money or watch the balance continue to rise.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

This company made me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact you numerous times and conveniently you are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Your agents have asserted that they will not return my money. This entire ordeal is sketchy! It has been my experience, while speaking with other companies such as Impact Knowledge. During the month of XXXX, my full time employer was working me XXXX hour shifts per day, six days a week. I made the executive decision to suspend my coaching sessions wherein a representative would XXXX XXXX XXXX train me on how to build my website my coach agree. My sessions were nowhere near completion. Then without notice you switched my coach. The new coach ONLY mission was to encourage me to register new credit cards my XXXX name, so I could be stuck in more debt, instead of starting business, appropriately. To date, I have yet to receive the product as described. 
I advised my credit card company of the situation, and the simply refuse to open up an investigation on my behalf. I even told offer this company the opportunity to remedy this situation directly. They told me they were XXXX company but charged me as a completely different company. Please get my credit card company to consider this matter seriously.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK (TN)

XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX. 
XXXX XXXX TN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN
Consumer complaint received 2015-04-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OH)

I have a collection/charge-off listed on my credit report of {$40.00} to Pinnacle Credit Service, LLC. I 'm not disputing that I owe the money, but I ca n't get any information from XXXX on what the debt is for or even how to pay it. I have emailed and left voicemail with no reply.
Consumer complaint received 2015-06-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: HOVG, LLC (CA)

A lady name XXXX XXXX called me at XXXX today from ( XXXX ) XXXX saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( XXXX ) XXXX ex : XXXX and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for {$2700.00}. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I had plenty of opportunities to pay by mail and that I was receiving a lot of mail from them, which is n't true. I did receive some mail a while back, but I had no way to pay off the debt at the time. I told her I 'm willing to pay {$40.00} per month now, which is what I can barely do, because I only work part time and I school part time, but I would prefer to do it via mail, not over the phone. She then transferred me to her supervisor. She repeated all the details of the debt for me. I told her again I 'm only willing to pay by mail and I do n't have a check card, I have an old Debit Card that only works at ATMs. The supervisor then asked for my banking information since I ca n't do the checking option. I refused again and said only by mail and she just asked " why is that? '' I hung up, which probably was n't the best thing to do, but they were hounding me for information I did n't want to give. Also, having the lady, XXXX XXXX call and say a case has been to my SSN for fraudulent activity makes it seem like I 've done something illegal. I had no insurance back when I took the ambulance ride. I saved the voicemail XXXX left me and the other XXXX women who I talked to said the conversation was being recorded. The case number XXXX left me is XXXX.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

i made a deposit yesterday and my account was in the positive. this morning they charged me {$12.00} for overdraft. i have overdraft protection on the account in the amount of {$70.00} and the amount they said the account went {$4.00} in the negative. i looked at the account this morning and it was never in the red or minus and yet they charged me {$12.00}. last month they charged another overdraft fee of {$12.00} for the {$0.00}, that 's right, XXXX XXXX cents they said they had to cover. again the account on line was never had a negative balance
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OH)

trying to obtain credit reports from XXXX and Equifax someone else had to set up a account now I ca n't even dispute on because they state 's I do n't know my grandmother 's name, come on now a few bank are mad and I need them to correct payment histories an balances I have a wrongful foreclosure on my credit report and I can provide supporting document but I need where I guess no one can access accounts online seeing how this is not the XXXX time this has occurred when my email address has n't changed in over 7 years but my grandmother 's name have?? come on now this not fair also that there 's numerous inaccurate information being reported and I 'm just trying to correct it and move on in the financial world but this is holding up the process.
Consumer complaint received 2015-09-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (UT)

A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. 
I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. 
I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After an initial denial of a modification request based upon a job loss resulting in an income decrease of XXXX figures, Bank of America sent us a " settlement offer '' which stated unconditionally that our second mortgage of XXXX would be reduced in principle to XXXX, with resulting payments, etc, and not to accrue interest. The letter stated that it was a " settlement in full ''. There were no conditions mentioned, nor any restrictions. We contacted our " recovery analyst '' with a few questions. Would there be any pre-payment penalty? No. Were there any conditions on the settlement, including conditions on the sale of the home? No. After making these payments for 8 months, we decided that since were were no longer under water, to get a better handle on our finances we needed to sell and move into a rental home. Nearing the close of escrow, after a request from the escrow agent, B of A stated that the payoff balance was XXXX! The original XXXX, less the payments we had made since the " settlement in full ''!! They have told us that the payoff can not be paid from the proceeds of the sale of the home. This is the XXXX time this was ever told us. We spent thousands on repairs and inspections. We will now fall out of escrow. After being lied to ( It 's the law '' they told my husband. I, an attorney called back and stated I wanted the Code section on which they relied, then they stated it was probably an internal rule ). They consider this a short sale now. My request ( which would be for them to accept the XXXX, XXXX without regard to the origin of the funds, so we can sell our home, but I know this is not realistic ) is to provide better communication and information. Also, B of A has a " notice '' problem. This condition was never stated in writing, nor orally. They MUST be required to publish this information. It is a critical condition and materially affects the terms of the " full settlement '' which is not really a full settlement, more like a conditional forbearance. They have a legal problem with this, and when they get someone who has the time and patience, they will be facing another class action. What I really want now is to let our first foreclose, and let B of A get 100 % of NOTHING.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Was with cell carrier XXXX for several years and decided to upgrade to a better phone through XXXX XXXX XXXX. Was current with my monthly payment of just over XXXX per month. After changing, I received a bill from XXXX for {$320.00}. They just give me the excuse of early termination and old equipment charges. Now it shows up on my credit report. It 's a scam that other people I know had to deal with but, just paying this money seems like paying a ransom or something.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (FL)

I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

My Wife and I are looking for a joint mortgage, but we are denied because ~XXXX years ago XXXX and XXXX XXXX failed to update XXXX judgements as Paid-In-Full. Now the home I want may slip out of out hands as I " try '' to present court receipts to the XXXX agencies. Because there was XXXX Judgement in each of our names, this is an auduous process. By phone, hold times are a joke. Online, I must recieve credit reports before adressing the issue on each company. Email contacts for this issue are not posted, and snail-mail contact will insure the only home sharing property lines with my parents will belong to somebody else. This is not a disputeable issue, this a factual issue will much documentation that was not updaded by the companies. 

This also means that my car loan, my car lease, my credit card payments have been based on incorrect information. For years my wife and I have been subject to injustice due to failue to conform with the Fair Credit Reporting Act.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

I got a message on my phone that someone was added as a wire transfer recipient. I tried to log into my account, but the password had been changed. I was able to sign in with my phone using touch access. I saw that there was someone added as a recipient and money had been wired out of the account. I called the bank and asked them to cancel the transfer. While on the phone with the representative XXXX more transfers came through. The representative had asked if I had called in earlier in the day, because they showed that someone had called in. Someone had stolen my account information and was accessing my account. Even though I called right after and during the time the transfers were posted the bank was not able to stop the transfers and I had to file a claim. Throughout the process I was told that it could take up to 10 days for there to be a resolution and the money returned to me. My claim was filed on XXXX and as of today XXXX the money still has not been returned to me. I have called the bank multiple times and been transferred around every time even though I follow the instructions on what options to push. Every time I call they tell me a different option or who I need to contact. I have spoken with " managers '' or senior specialists multiple times and all but XXXX did not seem to know or understand the bank 's process or how to handle my claim. The last manager I spoke with on XXXX advised that the money would be back into my account by the end of the day ... it was not. I have probably spent between 6 and 8 hours on the phone attempting to get this issues resolved ; always with different answers and nothing ever really being done. While writing this up I am trying to call the bank right now and have been on hold for over 20 minutes. I 've had to hold off on paying certain bills and it has been somewhat of a struggle stretching out the money that I do have that was n't in my bank account.
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I deposited a check with mobile phone feacture for a payment check received for my XXXX daughter to my Wellsfargo. Money posted to my account and I tranfered the money to my XXXX 's account. The check turned out to be flaudurent and both our accounts were immediately frozen for all activities pending to be closed in 10 business days. I was not alerted about this action until when I tried to post an online transaction and could not therefore I called the customer service. I went to one of Wellsfargo branch, gave the copy of the check and I opened a police case. I have been a customer with the bank for over 22 years with no issues, and when they froze my account, all bill payments scheduled were not sent although I had positive balance. When Wellsfargo processed return check transaction, a return check fee was posted aganist my account. Also they posted an overdraft charge fee since my current balance did not cover the returned check vallue. I called Wellsfargo and requested them to move the funds from my XXXX account since that account had the money for the posted check and also to remove the overdraft charge but to no avail. Both my and my daugher accounts were closed with no consideration at all especially after being a customer with them for over 22 years and since I was a victim of flaud myself. Wellsfargo sanded me with transactions fees over {$50.00} dollars, my accounts are now closed and I am waiting for the check for the account balance. Their customer service was horrible and the last agent I spoke to hangup on me. I feel violated both by Wellsfargo and the papetrators of the fraud. Wellsfargo should evaluate each case by facts and not have a one policy for all.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc. (FL)

I informed the third party company 3 months ago I am unemployed and homeless and will not have any monetary payment until I get back on my feet. They continue to call me repeatedly XXXX a day leaving voicemails and threatening to take legal action.i
Consumer complaint received 2015-06-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (NJ)

Lowes XXXX XXXX XXXX calls every day demanding we pay in full on the phone today. Payments are set up in the computer and are taken out every 2 weeks. A payment was posted today ( XXXX ) and they still call demanding we pay in full now. We should not be getting phone calls if we have payments set up online to automatically to come out and see they have been coming out. The other problem is you talk to someone in XXXX who does not understand you, speaks broken XXXX and uses a fake name to represent themselves. No one looks at records until you are basically talking down them after tey have totally frustrated you.
Consumer complaint received 2015-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (PA)

On XXXX XXXX, 2014 I received from Roundpoint Mortgage a trial modification plan the interest rate offered was 5.5 % acceptedThe final mortgage modification was changed and the interest rate was incised. 
The Roundpoint Mortgage performed criminal activities and have to closed down the see link below : XXXX