davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a Home equity loan that was opened in XXXX XXXX. Huntington National bank has sent me a letter dated XXXX XXXX XXXX saying my ten years for my access of funds expire in four months. Then someone from Huntington calls me and takes my income information and sends me a letter that they need to get my income to debt ratio corrected. So they want to increase my credit line at a higher variable interest rate of 4.50 % presently 2.50 % and pay off my car and credit cards. It sounds good but they did the same thing last year and that guy said I did n't qualify for the new loan since I retired and so nothing changed, I could access my credit line and just pay interest if I want. Both time they said if I do n't get the new loan I will need to have a 20 year loan and pay monthly payments 5 times what I am paying now. I do n't understand why did n't this happen in XXXX XXXX instead of now? I told this last lady that I guy from your bank called me for the same thing last year but I did n't qualify for a new loan and she said well I will check but have not heard back from her about that. Just an email saying how happy she was that I was initially approved for the loan but needed to send in all my income proof. And another lady would be calling me. I just do n't understand any of this? Are they just trying to get me to pay more interest and a larger loan?
Consumer complaint received 2017-01-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

When I checked my credit score, I noticed that Portfolio recovery had made a derogatory remark against me. I filed a complaint and emailed them asking for a detailed summary of what I owed and what it was for. I never received a detailed statement, and I also started receiving missed phone calls at XXXX and XXXX from the company. This is unprofessional and I am very upset that my credit score which was rapidly Improving, keeps getting hit by an account that I never agreed to.
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (AZ)

I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CO)

I ordered an online personal income tax software package from XXXX XXXX XXXX XXXX on the XXXX website on XXXX/XXXX/16 using a US Bank Credit Card for {$27.00}. I never received the e-mail with the download code, so I could never gain access to the tax software. I contacted XXXX & XXXX XXXX, XXXX and US Bank in order to get the software or get a reversal of the {$27.00} charge on my credit card. All refused to assist me in getting the software or a credit. US Bank gave me a credit on XXXX/XXXX/16, but then reversed the credit on XXXX/XXXX/16.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AR)

XXXX XXXX ( XXXX XXXX ) is considered as fraud to me I have contacted Equifax to remove this account because its fraud which has been reported to me and was removed from XXXX & XXXX, I have contacted them a few times about this account.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WV)

RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX.
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Genesis Lending (FL)

I attended XXXX campus in XXXX XXXX to XXXX XXXX in the XXXX degree. I was forced to open a private student loan through the campuses financial company. They called it a Genesis loan. The loan amount was for XXXX. It was to cover the difference of tuition that my federal student loans did not cover. I currently have XXXX in federal loans due to this school that was found to have fraudulent financial practices such as inflating tuition and making students take out these private loans. I need help in forgiving this loan due to the fraudulent financial practices of my school.
Consumer complaint received 2016-09-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (MA)

I have XXXX loans through Discover Student Loans which I took out for my XXXX education. Over the past few months I have called to let Discover know that I am returning to XXXX status, starting an XXXX program. On each call I have received different instructions about the process for getting my loans deferred. To err on the side of caution, I submitted proof of enrollment online on XX/XX/XXXX. I recently received a letter back in the mail claiming that my request did not " meet their requirements ''. They list an arbitrary, onerous set of conditions for exactly how the letter from the school must be formatted and what it must contain. This process is, prima facie, an obstruction of consumer rights. I am attending a worldwide renowed, top-XXXX business school, and it does not offer a letter of proof of enrollment meeting their baseless criteria. Since their phone support techs have been misleading and offered contradictory information repeatedly in the past, and Discover is trying to obstruct my contractual and legal right to a deferment, I am submitting this complaint.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home.
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (KY)

I opened my Discover account under a promotion they were offering to receive {$300.00} cashback for signing up with them before XXXX XXXX, 2015. I opened my account on XXXX XXXX, 2015 and deposited {$250.00} at that time. The terms of the offer were as follows : Open to current Discover credit cardmembers or deposit customers, excluding current or previous XXXX XXXX customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code BonusXXXX ; and 2 ) at least two Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. 
I did have a Discover Savings account, set up direct desposit in the amount of {$250.00}. The first direct desposit was processed XXXX XXXX, 2015 ; the second was processed XXXX XXXX, 2015. This was well within the 90 day requirement. It has been well over 30 days since meeting this and I have yet to receive my {$300.00} cashback bonus.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST NATIONAL BANK OF OMAHA (GA)

My credit card stopped working so I contacted the bank and was told I was over my limit. I pay my balance every month and only use the card for small charges like gas once a week. My identity was compromised and over XXXX charges were made in XXXX 2015. The CS rep took the information and I paid the charges I was responsible to pay. I mailed a letter denying the fraudulent charges and made a police report. Several attempts have been made to talk to the bank since discovering the fraudulent charges. I keep getting a new statement showing I still owe the charges and interest.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (WI)

Have a XXXX call me saying he is with XXXX dispatch or XXXX thats working in XXXX to attempt to collect a debt or finalize a court summons on a debt I do not owe. They have called me recently Thursday XX/XX/XXXX and Monday XX/XX/XXXX. After calling me and leaving me a voicemail they have also called my family. On Thursday they called my XXXX on her home phone. Which is a number I never once used. Monday they called my Husband XXXX, Sister XXXX, Brother XXXX and Father XXXX. My sister had from them calling a previous time told them she was filing a complaint again them for calling her. Making sure they do n't call her again. Clearly they did. My father XXXX they called on his corporate line. This line does not come up his name but the name of his Employer.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX at XXXX am I called to make a payment on my car loan. I told the customer service representative that I would like to make a payment on my loan and she said XXXX I have your loan number. I provided the loan number to the representative and she indicated that it was a XXXX account number and I had reached Huntington National Bank. We sent the information about your new number on Friday with your new loan number, have you not received it. I indicated that I had not received it. 

The representative was not friendly and had a tone when I was not a Huntington National Bank customer. I provided my SSN and the make and model of my car. She said that my payment would be 30 days past due, I indicated that 30 days would be on Monday and this is Saturday. They said that they do n't process payments on Saturday and it would reflect at END OF DAY Monday. I volunteered to bring cash into a branch and she indicated that it would not change anything. 

Why are they open on Saturdays and accepting business if they do n't apply payments or deposits on Saturday? XXXX could take deposits and apply payments on Saturday. This is unfair and deceptive, I did not ask to be a Huntington National Bank Customer, I was very happy at XXXX. Now a big conglomerate bank has purchased my bank and they do n't give enough notice to tell me that the practices have changed. 

I want Huntington National Bank to not put a bad mark on my credit for this payment as I do n't believe that there was timely disclosure that I would be moving to a bank that is OPEN on Saturday but does not apply payments or deposits on Saturday.
Consumer complaint received 2016-07-11
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (IA)

Western Union Prepaid XXXX XXXX, has extended my dispute to XXXX calender days, which I know is illegal by federal regulation XXXX, in the process of dispute, is it required that a financial institution resolve all disputes between XXXX and XXXX, then 30 days, but only after not being able to find what they are looking for. Then by law, they are required to give a decision after 30 days. And if the evidence doesnt give either way, then they are required to send a letter, stating that it was unfounded due to insufficient information. XXXX calender days to make a decision, I do n't think so.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, Equifax and XXXX who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be several thousands of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NJ)

TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan. 
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ). 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

My credit report reflects inaccurate information and Equifax needs to correct and update the information on my credit report. The account listed as Common Wealth of VA account # XXXX reflects an inaccurate balance of {$1800.00}. In XXXX 2015 approx. {$120.00} was paid and on XXXX XXXX, 2015 the remaining balance on the account was paid down to a XXXX balance. Receipt/confirmation # XXXX is proof of the {$1700.00} payment which brought the account to a XXXX balance up to XXXX XXXX, 2015. The current month is the only month due and can not be legally reflected unless 30 days elapse without payment. XXXX 's payment is due but it may not be reflected on my credit report unless the balance has not been been paid by XXXX XXXX, 2015. 
Even though this account was brought current, and paid to a XXXX balance, Equifax failed to update this account and falsely reports a {$1300.00} past due balance as the account status. In addition the account status provides a false statement that that amount is a a delinquency of more that 120 days. That is not true and Equifax had corrected such claims in prior disputes. The account history shows that the account was always paid on time. This is true as reflect by the furnisher 's records. Those records caused Equifax to make the payment history correction prior to this recent error but some how they have re-entered previously removed information. That balance no longer exists but when it did it was not to be listed as delinquent because their was a payment agreement from a court, and as the data furnisher 's records confirmed during the prior dispute, I was never 30 days late let alone 120 or more. Equifax must refer back to the documentation it received last time and remove this item from my credit report because they have failed in their obligations under the Fair Credit Reporting Act. This erroneous information has unfairly jeopardized my credit score and I was negatively impacted in my business and regarding an credit request with XXXX XXXX XXXX. Equifax must update the balance to XXXX, account status to current and inform XXXX XXXX that my credit report was updated and that my credit score has also been updated.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me. 

After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint. 

Yesterday, my wife had an incoming call from XXXX but she did not answer the call. 

This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint. 

After I got off the phone with him, my wife told me they attempted to call her again yesterday. 

I want to file a complaint so they will stop harassing us.
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (MD)

the amount of XXXX is owe to me by XXXX XXXX XXXX and I received a beived a personal check and it had insufficient funds. account was open by a person I did not do business with and it had the contractor signature on check. Need to expose this person he does not scam anyone else.
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (CA)

I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

There is a 2011 entry on Equifax 's report for me that I disputed in 2011 ... it reared it 's head again yesterday attempting to get power in my newly purchased condo. The collection agency named ( spoke with " XXXX XXXX '' at XXXX ) realizes that the last name of the person responsible for the debt is XXXX ... I am XXXX. I have discovered that Equifax did nothing to get this error removed from my report and they are totally non-responsive about it now. I need help from someone with authority to provide it.
Consumer complaint received 2017-03-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (WA)

To Whom It May Concern I am getting jerked around by Sun West Mortage Company. 

What happened is when I first set up my automatic payment I wanted to make a {$1000.00} dollar payment each month. It would cover the payment and anything else was to go to principal. 
Sun West Mortgage Company decided to raise my monthly payment from {$890.00} to {$930.00} That was no problem since I was paying a XXXX dollars per month or so I thought. Turns out they added the {$100.00} the {$930.00} equaled {$1000.00}. It was {$39.00} more than I requested to be taken out. 
Subsequently, I did not have the extra {$39.00} but I did have over {$1000.00} dollars in the account. They said I had insufficient funds so they docked me {$15.00}. I know it does not sound like much but they threatened me with a bad credit score if I did not pay up immediately. I tried to call them over a half dozen times and one day in particular I was disconnected three times and that really chapped my hide. 
Sincerest regards XXXX