davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

In 2006, I obtained two ARM loans for investment condos, which I thought were " Interest Only. '' However, my XX/XX/XXXX mortgage bill included a {$620.00} principal payment, which raises my total monthly payment 78 %. Between the two loans, my monthly payment has increased {$1200.00}. The loan Servicer says there was an Addendum to my note at closing that included a provision for adding a principal payment after 10 years. Reviewing the note, I saw that in an Addendum titled " Interest Only Addendum '' there were XXXX sentences that refer to a principal payment after 10 years. The actual Promissory Note and this Addendum both have paragraph after paragraph referring to interest rates ; the starting rate, the amount it can increase, the index, how it 's calculated, maximums, etc. But in the " Interest Only Addendum, '' there were only XXXX sentences that mention principal payments. Further, when the Servicer sent me a letter a month prior to the Principal payment inclusion, there was only one reference to a principal payment, in a table calculating all monthly costs ; escrow, taxes, insurance, interest, etc. Otherwise, the entire two page letter refers only to an interest rate calculation that will change my monthly payment. No mention of a principal payment at all. If the Lender or the Servicer is going to require such a significant amount be added to a monthly payment that results in an increase of 78 %, they should make that fact much clearer and provide information about how such increases are calculated and if there are any limits on such increases, just as they do with great detail regarding interest rates. Also, this Servicer had the audacity to charge me a {$55.00} late fee when I called to find out why they had not deducted the entire monthly payment from my checking account. I found out the day I called was less than 24 hours after the " grace period '' so a payment over the phone would cost {$10.00} and there was a late fee of {$55.00}. All this after I had contacted them numerous times checking on the correct amount of the payment and had a stellar 10-year record of making my payments on time. A very unfair situation due to misleading and deceptive documentation.
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (CA)

In 2014, I lived for a year at XXXX XXXX ( XXXX ). After moving out I was asked to pay for carpet replacement. The carpet was not in a good condition when I moved in and I was surprised they expected me to pay for brand new carpets when there werent new carpets when i moved into the apartment. I tried to explain and reason with them to no success. They have since reported me to collection and placed a derogatory mark on my credit history.
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I had XXXX deposit accounts with JP Morgan Chase. A Checking and Savings. Upon calling to check my account balance on XXXX XXXX, 2016, I was informed by the telephone representative that after investigation, Chase has decided to terminate our banking relationship and has closed all my accounts. When asked why, they explained that they do n't have to disclose any additional information in regards to the matter. I explained to them that my direct deposits from my employer were scheduled to hit the account the next day. She advised me that all of my cards have been deactivated and that I would have no access to any of my funds. When I asked when I could get my funds, she stated that I would receive a cashiers check in the mail, 7-10 businesses days after the close of my account. Today is XXXX XXXX, 2016. I have spoken with multiple representatives who have all told me different versions and dates associated with this matter. To resolve the confusion, I requested documentation of the the date this " investigation began, the date it was completed, the date both of my accounts were closed and the ending balance for both of those accounts. Along with documentation of the date my remaining funds were mailed out. Loss prevention and the fraud department both told me that there are no such documents available. When asked if I could receive a tracking number for the check, they explained that tracking numbers are only provided to customers with {$5000.00} or more. Everyone else is on their own. I then escalated my issues to the executive office, where I spoke with someone by the name of XXXX. He informed me that those documents do exist, but for internal use only. When I asked him where this information was located in the terms and agreements for my deposit account, he said it 's not. And if I wanted to get that information, I would have to obtain legal representation. So here I am. I have yet to receive my remaining funds in the amount of {$400.00}. I have had to pay multiple late fees for various bills, I could n't pay my sons tuition because at the time, all my funds were tied up in the account. He has now been dropped from his program. I understand that they can close my account whenever they want, but this is insane. I ca n't even get documentation to verify the numerous lies told to me. Please let me know if there is anything I can do, or if I am just at the mercy of the bank. Thank you.
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

I received an email that a dispute I filed yesterday with XXXX  was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on XXXX website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me. 
She then gave an email address that is invalid. I attempted to live chat with several more agents on XXXX website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2017-03-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (OK)

On Tuesday, XXXX XXXX, I applied for a checking and savings accounts online with BBVA Compass Bank. I was accepted and asked to deposit {$25.00} for each account ( {$50.00} total ). The next day, I authorized BBVA Compass bank to withdraw the funds from my account. They withdrew the funds and verified this via email. In addition, I checked my account the verified that the funds had been withdrawn. Once that was completed, I was given the information to set up online. I did that by creating a user name and password. I was told that the funds would not be available for 2- 3 days and I would receive a debit card in 7-14 business days. Again, this communication was via email. I logged into my account via the web on Wednesday and Thursday. On Thursday, XXXX XXXX, I received an email stating that my user access had been disabled. There was no indication on the email as to why it had been disabled. However, the email stated that, " If you believe this change was made in error, or if you have further questions, please contact ... '' I contacted the number in the email 3 times. The first call was answered but I had been on hold for nearly 10 minutes before a representative answered the line. By that time, I had to go ( I was on a break at work ). I called in the afternoon and waited 30 minutes on hold before hanging up. Finally, later that day, I was able to speak with a representative. Her name was XXXX and I explained to her from the beginning that I did not have the account number. This was because this information was not given in an email ( I understand completely ) and I had not received any written documentation at the time. She said that was fine and she would be able to verify me in other ways. Which she did. Once that was completed, she placed me on hold and said that more documentation was needed. She told me what information was needed and where to email it. During this interaction, I began to feel as if I was getting the run around. The representative told me they had not received payment from me. I explained to her that her company sent emails stating they had received funds. In addition, the funds were taken from my account. I began to feel uneasy and told her I wanted to cancel the accounts and receive a refund. I asked to speak with a supervisor. She placed me on hold and said that a supervisor would call me back in 48 hours. I questioned this because it was Thursday evening. I asked her if they made calls on the weekends and she said they did. On Friday, XXXX XXXX, I emailed the required documentation to BBVA and requested that the accounts be closed and I receive a refund immediately. I later received an email from XXXX XXXX stating that they had received my information and that my information had been forwarded it to 'corporate investigations ' for review but my concerns have not been addressed by this bank ( why the online access was disable and why they show they had received no funds ). In closing, I want to close these accounts and I want my money returned.
Consumer complaint received 2018-08-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (KS)

Speedy cash opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are XXXX  XXXX XXXX XXXX I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc. (SC)

I was making payments on a returned check and working with manager of Advance America. Another employee from a different location verified funds and took my check to the bank and picked up {$630.00} out of my account. I did not owe that amount because I had already paid {$300.00} on my bill. She never admitted to making an error and refunded my money of payments. Money was taken from me when I did not authorize it nor expected this to happen. I did not owe that amount and want an investigation in XXXX, SC. When company takes your money it forces you to write another check to get your money back. I was trying to pay out of debt instead of starting back over. Snatching cashier 's check from someone 's account replaces Company 's money. That is what is cycle of debt where you have to be trapped when your money is gone how you going to pay your other bills or live until you get paid again. This is so unjust that I hope a closer look is taken for customer 's views instead of company paying lobbyists for laws to allow such treatment to people of our USA. The money made from this big company Advance America is a XXXX company. We advertise helping America when they take money from citizens and give to XXXX. How dishonest is this world? Using poor people to pay for other 's wealth is morally wrong. Most people with money have savings to go to in time of need. Poor people use payday loans ca n't afford to leave money and not get it back. There has to be an end to this cycle of debt. Help!
Consumer complaint received 2015-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

I am a college XXXX. I opened an account at Chase online and deposited checks ( {$300.00} or less ) via mobile banking from kids in my XXXX, whose home accounts are in various cities. The account was suspended by the Fraud department and they are trying to verify with the maker of the check that they were intended to be made out to me. They will not utilize a cell number to make that call and in some cases, the accounts are in the parents ' names and they do not bank with Chase. Chase is surprised that these non-customers are not answering their calls or returning their calls. The checks have cleared their accounts already. WHy would these parents return a call that they may believe is a solicitation from Chase? In the meantime, I have bills to pay and the whole of the account - even my own personal funds, are frozen. I received a written notice today that his account will be closed. I never received notice that availability of the checks was being delayed. I have spent several hours ( and I am not exaggerating ) trying to resolve this. In the meantime, I am unable to get cash. All for a total of XXXX checks that equal less that {$2000.00}.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

I received a XXXX for $ XXXX from my Mortgage lending company regarding a home owners insurance claim for year XXXX. XXXX is for non employee compensation - in this case, my insurance company sent funds to my escrow account ( due to home owners loss ), whom held my insurance money and disbursed to me as needed to repair my home. 

US Bank states it was reported correctly, but will not follow thru with their reasoning. I am looking to get this resolved but US Bank is unwilling to research further. 
My ex husband use to be on this loan whom claimed bankruptcy in XXXX. " I '' did not file and I have never missed a payment but US Bank claims they can not call, email me, etc. because of bankruptcy which was discharged in XXXX. " I '' have been advised by US Bank to request the Bankruptcy to be reaffirmed. I have repeatedly told them, " I '' can not reaffirm something '' I '' did not file. US Bank has treated me unfairly and rudely since the XX/XX/XXXX filing even though they have received every penny in which I owe them and on time. I feel US Bank will not look in to IRS question above simply because of this bankruptcy which has not affected US Bank in any way. 
I am looking for answers on the XXXX I received, as i believe it is in error.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

The XXXX XXXX XXXX Tradeline is inaccurate. 

The Account Type - is not a Credit Card, it is/was Flex Spending The Terms - is N? A and should be Monthly, making this account incomplete The Payment History is wholly inaccurate - it has a 30 day stamp XX/XX/2016, when today is XX/XX/XXXX - and they were PAID in XX/XX/XXXX, making this account inaccurate The PAYMENT HISTORY is missing for XX/XX/XXXX, making this account incomplete and in direct contradiction to a 30 day Late Stamp The BALANCE History is missing for XX/XX/XXXX, making this account incomplete and in direct and in direct contradiction to a 30 day Late Stamp The Closed Date/Date of Status - is inaccurate. 

Please verify the Account details - and update the account, or delete the tradeline.
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NC)

My lender is Nelnet for Federal student loans. I did not choose this company, rather it was assigned to me. I have applied recently for refinance with another company but was denied. I have good credit and have never missed a payment. Over the past year, I have had multiple cases where my payment amount due changes without any notifcation. This can include my payment due amount not matching my statements, not matching between emails and on site and increasing month to month when I am on a graduated repayment plan ( this is supposed to increase every 2 years -- not monthly ). In addition, when I have reached out for clarification or to question these changes and increases, the company is not helpful and does not explain the differences or the reasoning to me. I do n't feel like my money is safe with the company and I do n't feel comfortable with an ever changing payment amount. It is hard to budget and to feel confident that I can pay my monthly payments when I can never plan on what is due as the amount can change even as quickly as the day before it is due.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION (TX)

I was contacted in XXXX of XXXX from a company by the name of XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, TX XXXX for the collection of credit card debt, the representative 's name was XXXX XXXX. The contract/settlement agreement was for {$2100.00} from XXXX until this amount was paid in full. I provided my bank account information allowing an auto draft of {$75.00} to be deducted each month. This company informed me that I would be notified once the debt was paid. This did not happen, this company collected an additional {$1200.00} from me, which resulted in having to close my account, and report this to my bank as fraud. I did not discover this until XXXX of XXXX. I was completely taken advantage of and exploited. All I was trying to do was settle this credit card debt out of court. I tried multiple times to reach out to this company, however ; they no longer exist. This is a violation of my consumer rights and I need to file a complaint.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XX/XX/XXXX & XX/XX/XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XX/XX/XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XX/XX/XXXX & XX/XX/XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I had gotten a loan from XXXX XXXX around XXXX for my education. I started paying it monthly after graduating and getting a job. On XXXX/XXXX/XXXX after 11 years, I received an email from XXXX XXXX congratulating me on paying off my loans. All of a sudden I started getting Navient another company telling me I need to pay them. I called and spoke to XXXX XXXX with a gentleman by the name of XXXX on XXXX/XXXX/XXXX who was very rude and did not help out. So, I ended up calling XXXX XXXX again and noone would help assist me. So, on XXXX/XXXX/XXXX I sent an email to XXXX XXXX from XXXX XXXX who is the Customer Advocate, she emailed me back regarding receiving my email. However, I never heard back from her again. I called her back since she stated if I had any questions to call her and I left a message and never heard from at all. I have attached the email stating I have paid off my loan. I only needed the loan for XXXX quarters. My loan is completed I should not be getting charged still.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have submitted a dispute with all the XXXX bureau 's Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked XXXX hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am screwed no matter what.