davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WI)

We never received our property tax check. We called US Bank in XX/XX/XXXX. US Bank told us they were fed exing the property tax check. We never received it, and followed up with US Bank in XX/XX/XXXX. US Bank promised to wire funds directly to the government where the property taxes were to be paid. We received confirmation from US Bank that the property taxes were paid XX/XX/XXXX XXXX. In XX/XX/XXXX we received a notice from our village that the property taxes were not paid. Followed up with US Bank XXXX XXXX. US Bank noticed that only {$80.00} was wired for our taxes. They said they would cover any penalties and pay the taxes. Followed up with village today, XXXX XXXX, and taxes are still not paid. Followed up with US Bank. They are now still researching.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (DE)

I opened a savings account with XXXX. I scheduled a transfer of {$200.00} from my discover cash back checking account on XXXX XXXX they said it would be in the savings account on the XXXX it is now the XXXX I checked my savings account the {$200.00} is not there I checked my XXXX account and {$200.00} posted and it said " reverse ach withdraw '' I called XXXX and they said my account was suspended from doing transfer why? I have NEVER done a transfer from this account ever. I have been on hold for 20 mins now and no one can seem to figure it out they just keep saying I 'm reviewing the account let me place you on another hold. I rarely ever call customer service for any company because I like to do things myself I 'm an advocate at a bank the last thing I want to do is be that angry customer but no one can help. I need answers!!!!
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CA)

I have been a customer of Discover bank for almost 7 years and I have always been following their rules and made prompt payments. ( My credit score is excellent. ) Last month they sent me a short notice saying that my account will be closed, effective immediately. This was highly unanticipated since I never did anything wrong and it will greatly affect my credit history.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

Equifax is reporting inaccurate information on my credit report that is a violation of the Fair Credit Reporting Act. 

I disputed XXXX XXXX XXXX XXXX accounts on my credit report, XXXX and XXXX and the accounts were never marked as in dispute. This is a huge violation of the Fair Credit Report Act where I can be entitled to {$1000.00} for each violation. Please delete XXXX of these accounts from my credit report. 

Another big problem is that Equifax continues to report XXXX Chapter XXXX bankruptcies on my credit report which is a huge mistake. How can that be possible? Chapter XXXX Bankruptcy with docket number XXXX states it was dismissed so why is it reporting on my credit report? 

In regards to Chapter XXXX Bankruptcy docket number XXXX, they are listing the asset amount and exempt amount as {$0.00}. That is so incorrect. How can they get away with reporting this inaccurate information when I have disputed it multiple times with them? 

Now for the biggest violation of all. 

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1200.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX, XXXX Balance : {$5700.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1500.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$5600.00} All XXXX of these judgments need to be deleted from my credit report.
Consumer complaint received 2020-01-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

I have on several occasions since graduating to defer or even ask for info on my loan and getting options to lower my payments. They would not give me options and often times they would refer me to scare tactics and make me feel uncomfortable and force me to agree to higher payments
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I am a new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Around XX/XX/XXXX I disputed a negative item on my credit report for all XXXX bureaus. I was successful on the deletion. In XXXX this same collection account resurfaces, under a different collection agency. After some google searches i found out it was technically the same agency they just changed their dba. I received an alert thanks to XXXX of the reinsertion. I disputed it immediately unfamiliar with the charges, just like last time. Now it comes back " verifiable '' within 6 days of the dispute. A week later it hit my Experian file, I dispute with them as well and again they " verify '' within days of the dispute date. I know it takes a little time for sites like XXXX to update to show a collection. I not once received written correspondence telling me this collection was being reinserted into my credit report. And after some digging I found out the credit bureaus have 5 days to let me know. It is now XX/XX/XXXX and I have yet to receive correspondence from Experian nor XXXX. Hopefully it does n't hit my transunion file as well as I have n't received anything from them either.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I am a victim of fraud from XXXX and their false promises of employment ; I have tried several times to request help from Navient and they are refusing to assist me. I am stuck with a XXXX debt with no hope of repaying because I can not find work in the field that I trained for because of the lies of XXXX a school that was closed by order of the US Department of Education. I am asking for the same treatment as other victims received including tax-free loan forgiveness. I have read on several websites of these programs and Navient only tells me, there is nothing they can do I will have to pay the loans in full. No exceptions. 

Also, they have a " Private loan '' in my name that I never authorized, I 've talked to a few people and they told me the loan was paid to the school ... however, there are no records!!! I am paying for a loan I never asked for!!!
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have sent Experian dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Experian. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Experian to remove this information from my credit file.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc. (FL)

CBE debt collectors continue to call me daily, several times a day even though I have asked them not to call my cell phone. I have logged XXXX calls since XXXX, with today being XXXX. They need to stop calling and mail information if they think I have a debt to them, although, I have never heard of them until now.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

I looked at my credit report the other day and noticed that there was a new account on it. It only showed up under equifax and has not shown up on trans union. The new account does not belong to me. It is a XXXX XXXX XXXX credit card that was opened in 2004 and has a balance of XXXX, with a previous balance of XXXX. I have never banked with XXXX XXXX XXXX, do not have a credit card with them, and do not have an account that dates back to 2004. This card does not belong to me, but is showing up on my credit report. I am worried that this was cause problems and would love for this issue to get fixed asap. I appreciate your understanding and help with this matter. Thank you so much!
Consumer complaint received 2016-10-26
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: DISCOVER BANK (UT)

I applied for a Home Equity loan from Discover Bank. They took 2 months to process my request and refused to do an actual appraisal on my home, thereby lowering the amount of the loan, raising the LTV, and raising the APR since their rate is based on LTV and loan amount. I was forced to go to another lender to get an accurate appraisal so that my loan application was processed correctly. The other lender appraised my home for {$55000.00} more than Discover who refused to use anything but county records to determine the appraised value. This difference allowed me to obtain the full amount of the requested loan that I asked for at less than XXXX % LTV where discover reduced the amount available to me and said I was at a XXXX % LTV even with the lowered loan amount. I want the loan inquiry removed from my and my husbands credit since they refused to acquire accurate information to process my application and this additional inquiry is dropping my FICO scores.
Consumer complaint received 2015-07-05
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last XXXX digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a sobordination and dragged feet so long i lost my money i paid for it. interest rates went up so high i cancelled it they owe me that money for this XXXX. I have already filed that complaint. they said they were calling because of that complaint. Should that not be in writing? I am again saying that they are wrong and filing again. no response to my complaint in writing. response on phone from a chemical company? Professional? what are they hiding?
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

CHASE AUTO FIANCE HAS ILLEGALY PULLED A COPY OF MY TRANSITION AND EQUIFAX CREDIT REPORT FOR VECHILE LOAN I NEVER APPLIED FOR, RUNNING INQUIRIES AND CAUSING A MIXED FILE! I WANT THIS FIXED IMMEIDETLY AS I HAVE NO RELATIONSHIP WITH THIS BANK AFTER THE FRACAS THAT OCCURRED A YEAR AGO.
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CT)

I called the Chase credit card company to check the payment allocation rules before taking a Cash Advance. I was informed that a repayment would be allocated first to the Minimum Payment Due and after that against the highest interest balance. I took the advance. A while later when I was able to repay the advance, I checked my account online. The Cash Advance balance was showing, as was the Minimum pPayment Due. I made a payment sufficient to cover both. None of the payment was allocated to the Cash Advance balance. When I phoned to enquire they said I repaid it too early. I had to hold the Cash Advance Balance until the next statement. I do not think that is fair and i was not informed of that when I enquired before taking the advance.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (NY)

my name XXXX XXXX XXXX i get supplment secuity payment XXXX to account XXXX XXXX rounting num, ber XXXX on XXXX/XXXX/2016 loacl office XXXX XXXX XXXX XXXX XXXX ny XXXX. input direct deposit netspend ace elite card XXXX my socail secuity XXXX account XXXX. on XXXX/XXXX/2016 unipt XXXX XXXX XXXX XXXX account for paayment XXXX/XXXX/2016 ssi/ socail secuity XXXX account XXXX frame transaction account bank cards
Consumer complaint received 2017-01-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (GA)

In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.
Consumer complaint received 2016-08-13
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (VA)

I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
Consumer complaint received 2015-04-18
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

The Navient loan company has been calling me repeatedly requesting me to repay my loans. I am XXXX and earning no income so I am unable to repay currently. In addition I just had a baby so I have been exhausted from caring for her. They will call sometimes every hour and have even woken the XXXX. Yesterday they threatened to call the police on my dad and today they told my husband they would ruin my credit. I am so tired of being harassed. I know I need to repay the loan and I will as soon as I begin earning income when I XXXX from XXXX school next year.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (LA)

XXXX have potentially negative on my account even doe i haven miss a payment. in XXXX XXXX XXXX contacted me and wanted me to send them paperwork for payment for XX/XX/XXXX and XX/XX/XXXX. i could n't and they was taking about taking my car if you take a look at my account from XXXX XX/XX/XXXX tillXXXX XX/XX/XXXX never miss a payment. I end up paying XXXX extra notes to catch up because i did n't have paperwork, now XX/XX/XXXX enough payment is missing. that potentially negative need to be removed. also my account started at XXXX XXXX and it still have n't move bal XXXX after 21 payment made please invastigated this company.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

My Brother passed away XXXX XXXX XXXX. I turned in his bank card to First Merit Bank Monday XXXX XXXX XXXX so that no one would be able to use it. I provided his death certificate with my ID. I was told when the account sat inactive for a period of time the funds would be released. It is XXXX XXXX and I receive a bank statement every month showing a {$1.00} fee being charged for the bank they have. The account has activity by First Merit for a card they have in their posession, the account will not ever sit inactive with them doing this.
Consumer complaint received 2016-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (PA)

Sallie Mae is engaging in harassment tactics to attempt to collect payment. From having XXXX, I know that it is not legal for companies to engage in such practices. They call me several times PER DAY, and many of the calls are during work hours. This is completely inappropriate. It is also entirely inappropriate for them to call my mother during business hours. As of today, I have written them a letter demanding that they stop immediately. I will file an additional complaint if they do not adhere to my demands. Any of the times I have answered their calls, their agents have been incredibly rude and/or condescending. I will not stand for this kind of treatment.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CO)

I had a Chase XXXX XXXX credit card. I had around XXXX XXXX frequent flier miles when I signed up for the card. XX/XX/XXXX I lost the card and asked for a replacement. They never sent me the replacement. XX/XX/XXXX I was charged an annual fee for a card they had not replaced so I canceled the card. This week I went in to book a flight and they said I have XXXX miles. Late last year I had almost XXXX miles and had been paying my card until XX/XX/XXXX. How can they all of a sudden just decide to cancel all of my miles?
Consumer complaint received 2016-08-16
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (GA)

A collections agency, I believe it is XXXX, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. XXXX has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.
Consumer complaint received 2015-05-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

In XXXX I was a patient in XXXX XXXX Hospital in XXXX XXXX, Texas. At the time I was a student at XXXX XXXX XXXX, which I obtained insurance through my tuition. My insurance had taken care of my doctors visit/hospital stay. Now 8 years later ( XXXX ) Pioneer Credit Recovery is calling my work stating they are going to garnish my wages for these past due debts that I supposedly have from that previous hospital stay.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

Navient has made it absolutely impossible to change to an income-driven repayment plan. Every time I submit something it claims I failed to submit something else. I 've sent everything at least twice now. Now, it claims because I did n't include the word " gross '' on my income statement, they will not approve me for income-driven repayment. My loans were put into deferment during this period without my permission, which has cause my interest and balance to go up by at least {$1000.00}. I told them I would pay the full amount until this was resolved but I was still put on a deferral program.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: MS SERVICES LLC (WY)

On multiple occasions, MS Service of XXXX WY have tried to contact me at work. Not only do they not verify who they are speaking to before they tell who they are, but they have been told on numerous occasions ( the most recent being today XXXX/XXXX/15 at XXXX XXXX ) not to call at work. The women who calls even started the conversation with I know you told me not to call at work so I will be quick. They havent even sent letters or called my home phone, just harassed me at work.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (SC)

i was looking at my equifax report. it shows that i opened an account with XXXX on XXXX my bill due is {$370.00}. I have not had XXXX in over a year and i had it for atleast 5yrs. I do not believe that this bill is mine. I was with them for almost 5 years and never sent in a late payment or have ever been contacted for having a bill.