davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (CO)

I received an offer for a US Bank credit card@14.49 % tied to confirmation code : XXXX. The offer must be accepted by XX/XX/2017. I applied yesterday XX/XX/2017 and the rate jumped to 14.74 % I work in the mortgage business so I would think the code locks me in at the 14.49 % rate and will change based on the Prime Rate after introductory signup. How can my rate change because the Prime Rate went up last week. That is n't stated on my bill. It states APR will vary, but no where does it state that the introductory APR will change based on the Prime Rate or what 's the sense of having a confirmation code locking in a current rate? On top of it when I accepted the card at the 14.74 % the print out stated my rate is 10.74 %. I do n't know what 's going on, but I do n't like the fact of not knowing what percentage my card is tied to and why cant I just get one rate quoted to me like the offer stated. I 'm also reaching out to the Attorney General. At this point I 'm not sure if this is fraud or why is US Bank continuing to change the APR in this case three times??? I feel this is VERY MISLEADING & CONFUSING on a consumer. If my term and conditions state 10.74 % on the accepted card and terms when my card was accepted. I would think that US Bank should be binded and honor their own terms and conditions!
Consumer complaint received 2018-04-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (WY)

GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I consolidated my federal student loans through XXXXNavient, but was never given a choice of the type of consolidation. I found this fact out when, after working almost 10 years as a public servant and making payments on my loan, I started the paperwork for the Public Service Loan Forgiveness and was told I did n't qualify due to my type of consolidation loan. I called Navient to find out why and was told because I did n't choose the right type of loan when I consolidated, but I was never given a choice back when I asked to consolidate the loans. It was all just done for me by the company. Of course this was over 10 years ago, and it was done over the phone. My only option I was given at this point from Navient was to consolidate my loan again to the right type, and basically start over with the 10 years and repayment process. By that time everything would be paid off, so really something I am not looking into. I am really disappointed in the Navient company, and feel like they are only out for profit, not helping the struggling student!
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, I called XXXX XXXX. to inquire about an offer I received in mail. I was ONLY inquiring. The sales rep asked for my social security number, and I immediately said, I'im not giving you my S.S. number because I do not want my credit report run at this time. I am only inquiring about your package. I have XXXX and was just checking to see if I can get a better deal for the money, and what was the catch with getting " same amount per month, no price increase for 2 yrs. Then he said OK no problem, just give me your name and address to to if we can have service in that area. After all as said and done, I found out I had to switch to XXXX XXXX XXXX phone service. I said thank you for your time, but i 'm not switching any phone service. Now, how they do it, I do n't know, but, the next day I get a notification that another Credit Inquiry went on my credit report with Equifax. I 've called about 20 people from XXXX and have names, ID # s, etc, and they all swore to me that they were gon na have it taken off my credit report ( s ). To date, they did nothing. I sent a letter, certified to XXXX XXXX and still, nothing has been done. I was told by an Equifax rep that XXXX XXXX needs to take that inquiry off their Data Base, otherwise, it automatically generates on Credit profile. Which is hurting my credit scores. Please help me get this off, so I do n't have to file Fraud charges against this salesperson for illegally getting into my credit report. I do n't know what info of mine he took from me, if any. Thank you, XXXX, N.C. XXXX / EMAIL ADDRESS ... .XXXX Please respond ASAP either via postal mail or email. P.S. I just read the bottom statement but do n't have picture of credit report to upload, buts it on Equifax. I can give you any info you may need to get it directly.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (MN)

I married XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to US Bank and I co-signed a loan for XXXX for {$75000.00} to refinance her house. We separated on XX/XX/XXXX and I moved out of the house. On XX/XX/XXXX, I went to US Bank and requested a print-out of the transactions of the loan. I saw that XXXX had taken out {$55000.00} without my knowledge and I was not contacted from US Bank that she was taking additional money. 
The first withdrawal happened on XX/XX/XXXX for {$25000.00}, and on XX/XX/XXXX she added {$30000.00} to the loan, both of these without my knowledge. 
I told US Bank on XX/XX/XXXX not to allow XXXX to increase the loan for any additional money. It was my money that made all of the payments of this loan. XXXX was not working or bringing in an income from the onset of the loan as she was going to school. 
US Bank had my cell number to contact me at any time ; and on XX/XX/XXXX XXXX from US Bank left me a voice mail saying that they were unable to stop XXXX from taking any more money against the loan. 
On XX/XX/XXXX I returned to US Bank and asked for another printout. It showed that on XX/XX/XXXX she withdrew an additional {$50000.00}. making it a total of {$100000.00}. of additional money XXXX withdrew without my authorization or signature. 
The settlement XXXX and I agreed to when settling our divorce was that I pay her {$78000.00}. and she was required to apply that to the loan so US Bank could rewrite the mortgage and remove my name from the loan. 
I am requesting that US Bank pays me {$100000.00} due to the unauthorized withdrawals that occurred without my signature of the transactions. Also, I want the additional money that I paid due to the interest and increased mortgage payments.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account/company name is XXXX/XXXX which is being reported on my Equifax credit report with a {$0.00} balance. 

Creditor Information : XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX )  XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account previously reported with a remaining balance. Upon my contacts, the information has been changed and it is now reporting a XXXX  ( {$0.00} ) balance with the following statement : " You've paid off 100 % of the original amount. '' However, underneath the Payment History it is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

I have also contacted the creditor in which I have received no form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please. 

Thank you!
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

I receive a large amount of cash as a loan from a company to do a loan consolidation. I went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance. The transaction was initially declined due to the daily transaction limits. Immediately I received a call from Chase 's Fraud department ( XXXX ) asking if the transaction was something that I was doing. I explained the transaction and asked if I were to be charged any additional fees by processing this transaction and was told NO. They then increased my limit for this payment, and I paid off the loan at the other bank. Days later I received a {$560.00} fee. I called customer service ( XXXX ) and was advised that it was a bank error and that It was approved to be refunded, and the money would be in my account today. I began processing additional transactions later that night. I called today after seeing the funds were not in my account and was told the transaction was declined because it was n't a bank error. I called today to speak with a supervisor ( XXXX ) who was very unprofessional and confused about her processes or her job responsibilities. I then asked to speak with her supervisor ( XXXX ) who informed me that this would be declined, not understanding the seriousness of what transpired. This is going to cause my NSF charges, and without this money I will not be able to pay my rent and incur additional late fees etc because of that. I 'm a good customer and have never had an issue with the bank or any bank for that matter, and just want them to honor the information that I received and refund me ( immediately ) the money that they stole. I will be looking for a new bank immediately.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a XXXX XXXX dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ XXXX ) and XXXX credit card ( $ XXXX ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Recovery Services, Inc. (AZ)

Southwest Recovery started calling my cell phone in approximately XXXX 2012. The first message said, " We have your social security number on our desk, it will be turned over to our attorney unless you call back before XXXX today! '' I called and they said the debt was for another person, it was n't my debt. Further, I found it was my husband 's ex-wife 's attorney bill. Her name is on the account. I received more calls & would select the option for " do not call, I am not the correct person. '' I even got a call after midnight. I have a screenshot of the phone call.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (UT)

Almost five years ago I was forced to file a chapter XXXX bankruptcy after years of battling with our health insurance and XXXX bills from my wife. She had a XXXX that caused her several complications and XXXX issues that continue to date. When I filed bankruptcy we met with a attorney and explained we would like to stay in our home and he suggested we try to modify with our lender to make our payment within our budget. We requested a modification and it was done around the same time as our bk filing. Our mortgage is with Nationstar Mortgage and we have had the worst experiences with them. When we initially refinanced with them we were told we could refinance into a lower rate/payment a year after we signed on our high and adjustable rate. We called them in a year our loan officer was no longer working there and they were not FHA approved so we could n't get out of the loan we had. I requested a payoff a couple weeks ago and it shows we owe over {$250000.00} with {$50000.00} in misc fees.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stevens Business Service, Inc. (PA)

on XXXX/XXXX/2015, I filed an dispute with Steven Business Service. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Steven Business Service to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Steven Business Service that not complying wit the FDCPA will put their company in a bad position with the CFPB. Steven Business Service never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Steven Business Service sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

In XXXX 2015 my wife and I requested our free credit reports from XXXX and in XXXX 2015 we requested them from Equifax , all XXXX online. Despite previously having gotten these reports online for several years with no problem and with no documentation required, we were both suddenly denied this by both companies and told we had to apply by regular mail, and to include numerous personal identification and financial documents. This is a nuisance and we inquired why, both in writing and by telephone, but were stonewalled and given no information. We were told simply that this is the procedure and no further information is available. The inconvenience is in having to assemble and mail these documents, wait several weeks for the reports to be sent, then having to scan them into the computer so as not to keep large amounts of paper reports on hand for years. Again, no explanation was given why we were denied, despite repeated requests.
Consumer complaint received 2016-07-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I am currently a customer of Chase. I got a pitch from them to join Chase Private Client. During they pitch they told me that if I joined I would n't be " nickeled and dimed '' for fees like other customers. They also said that if I joined it would separate me from the average sandwich maker who works in a deli. I thought both these statements were ethically ambiguous. Essentially if I choose not to join, I am " choosing '' to be nickel and dimed and also it would make me some sort of low status person like a sandwich maker? Insulting to every Chase customer and an insulting social outlook.
Consumer complaint received 2016-11-08
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Global DS Group LLC (NM)

I contracted with Global DS Group to consolidate my payday loans an began paying {$1400.00} for 4 months, this amount became to much I was starving I ask to reduce my payment they said they could not and if I terminated my payment then I would loose all the money I had paid to that point. I had no choice but to stop payment and this company will not refund any money {$5600.00}.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CA)

XX/XX/2016 XXXX XXXX XXXX XXXX, CA XXXX Dear editors and readers, I am seeking help in recovering {$710.00} that was confiscated from my escrow account by the LenderLive Network, LLC my mortgage company in XXXX CO. 
The {$710.00} was the second Hazard Insurance payment for the same year. When this second payment was breached from my account it put my escrow account in a negative balance. 
The first time that I called them they admitted the mistake and said it should be cleared up by XX/XX/XXXX, when I did not hear from them I called back. This time I talked to a woman named XXXX who said it would take until XX/XX/XXXX to clear up their mistake, but in the meantime I would have to pay mortgage increase of {$100.00}, adding insult to injury. They want me to pay extra for their wanton negligence. 
Seeking advice ... Is there a Real Estate resolution board or a Real Estate fraud board? Small Claims court? 
Any help appreciated, XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi my name is XXXX XXXX, I live in XXXX California. I have a loan with NationStar Mortgage and iver been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX XXXX, 2015. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage and not live on a stressful day to day basis with the foreclosures. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.
Consumer complaint received 2016-02-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp. (GA)

My Auto loan is with Summit Financial Corporation in XXXX Florida. My loan papers given to me from the dealership at the time of purchase state that my " payment due date is the XXXX of each month, and considered late if paid ten days or more after the above stated due date and buyer will incur an additional {$50.00} late fee. '' Summit Financial has not given me any New paperwork to sign for any new due date or additional fees, but began telling me ( after my first year and a half ) that i am past due. They are saying i am due on the XXXX of each month and want me to pay micelllaneous charges but ca n't tell me what the itemized charges are. They do not send me a statement, but only a letter telling me i am past due, micellaneous charges of {$300.00} dollars, no new balance ( balance never changes even after they get payments ). They argue that I have the wrong understanding about the contract and they they do not recognize what the dealership gave me. Only what is on thier computer screen. I have noticed that there are others on a blog site that are having the same problems as I. Surely they can not change my finance terms without me signing a new contract. 
Please advise.
Consumer complaint received 2015-11-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have submitted XXXX complaints prior to this concerning the same company about calling me and harrassing me over the phone. I as well have sent this company a cease and desist letter about understanding my rights. I have also changed my phone number. They have called me at work and now they have again managed to find my new phone number and begin harrassing me more. 
I have explained to them i am under financial burden with a new job carreer that has cut my pay dramatically however they cintinue to harrass me. 
What does it take to get them to cease and desist. 
My attempts have no avail.
Consumer complaint received 2015-10-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions Specialist, Inc. (CA)

I was contacted by a debt collector XXXX for medical services. I moved out of state and did not receive bills for the medical treatment. I was unaware I owed this money. Now I 've been sent to collections for {$50.00}. Is there any way I can get this paid and removed from my credit report?
Consumer complaint received 2016-08-11
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CNG FINANCIAL CORPORATION (CA)

I was not made aware of this debt from XXXX Check N Go until I received an alert on XXXX that my credit had been adversely affected. This is NOT my debt. I did not take out this loan. I believe it was my either my mother or ex husband XXXX XXXX, who at the time was still my husband and was privy to all my information to apply for this loan online. I have asked the collection agency to provide documents with a hand written signature to show, as I am certain I did not apply for the debt in the amount of {$6100.00} XXXX XXXX Check N Go. They have not responded to my requests to provide documented evidence regarding the owner of the debt. An electronic signature is insufficient to prove it is my debt as my then husband and I had joint accounts, used the same computer, and thus would have the same IP address.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (OR)

I filed a police report, filed a complaint on identity theft, placed identity theft with XXXX, XXXX and XXXX that this debt was not mine and that my identity had been misused. XXXX XXXX has continued to place with collection agencies after I personally notified in writing and called.