davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Company responded USAA Federal Savings Bank said : Explanation of closure XXXX XXXX, we regret the frustration and inconvenience you experienced as a result of this matter. Our research found that when the payment was received, we were unable to identify where the payment was to be applied as it did not reference an account or member number. As XXXX XXXX, of our staff, informed you, the {$350.00} payment was posted to your credit card account. XXXX XXXX submitted a request to the consumer reporting agencies to have the XXXX through XXXX 2016 late payment reporting removed from your credit report. In addition, credits totaling {$56.00} posted to your credit card on XXXX XXXX, 2016, for the interest and late payment fees that were incurred. XXXX XXXX remains available should you have any additional questions. We appreciate you allowing us to review your concerns and respond to you. 
Relief On XXXX XXXX, 2016, credits totaling {$56.00} were posted to your account for the late fees and interest charges incurred on your account. 
{$56.00} UNRESOLVED COMPLAINT : With numerous attempts to contact XXXX XXXX at XXXX, to resolve this issue for updates on when this item will be removed ; I have remained unsuccessful due to miscommunication of not returning my phone calls. Per discussion, XXXX XXXX informed me that my final payment would be {$14.00} which was paid on XXXX. Also, during the discussion I was informed my credit report would reflect a change in which I also have not seen. Instead, my score continues to drop do to USAA failing to update payment status to my account. At the beginning of this process my credit score reflected a XXXX, due to the defects of USAA I now reflect a XXXX. Please assist on removing such indecency from my report eliminating further harm to my important credit history. I am looking to purchase a home and this deficiency has ruined my reputation to the upmost worst reflection of my character and history of responsibility. 
BOTTOMLINE : I am still receiving negative activity to my report corresponding to failure upon USAA updating the status of my account. Please represent a paid in full amount and/or remove from credit report completely. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of {$140.00} I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, XXXX XXXX, 2016, approximately XXXX, entered my personal information, and the new representative verified I have more than substantial funds. He then proceeded, put me on hold, and came back to inform me that they in fact could no expedite " my '' funds, despite the verification. I had met the needed requirement, but they had not only misinformed me, but demonstrated a motive I am unaware of. As I paid a large amount of my credit card, that I did not have to, I could have paid my regular $ XXXX monthly payment. I find this unfair practice to perhaps have an ulterior motive that should be investigated. I am not only significantly affected by this, but have taken financial action I did not need to, as I could have saved myself roughly {$120.00}. Upon expressing my frustration and what I believe is wrong about this matter I was told their is nothing that can be done and was transferred to, I believe, a Senior manager. She informed me the same thing and upon seeing what she could do and further wasting time, told me their is nothing that can be done, however, she said she can credit my card only {$50.00}, which does still not resolve this issue. Despite her efforts to assist, I was informed by this same representative that funds can not be expedited, in the first place, on secured cards. Now I am unsure how the previous XXXX representatives were not aware of this as they should be subject to know the rules and policies of the company they represent. As such mislead and misinformed activity can be avoided. However, I find this as a motive on their end, in which I have paid of more on my credit card than I was subject to. I will be closing this card with them as soon as possible. And I ask that this be investigated and resolved in light of the significant affect is has on me. Thank you.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track.
Consumer complaint received 2017-01-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After over four years of applying for a Mortgage Modification on a Balloon Loan ( originally purchased from Countrywide Mortgage in an example of Bait and Switch Predatory Lending XX/XX/XXXX ), and waiting for Bank of America 's delays for those XXXX years, BOA made an offer called a " Home Equity Loan Modification. '' 1. The loan was NEVER an Equity Loan. It was always a Balloon Loan. We have the original loan documents that prove this. ( The loan was signed at the same time as the larger loan. Countrywide split the loan into XXXX the day of the signing ) 2. The documents in the offer needed to be signed and returned by XX/XX/XXXX. We did not receive the package until XX/XX/XXXX ( We were in Florida for XXXX and had our mail stopped for a week. We have evidence of this ) 3. The offer did not contain a monthly payment amount. ( when we called for more information, we were told the monthly payment would change because this was a " flexible rate home equity loan line of credit '' This was the first time we ever heard this. ) 4. The offer did NOT contain an interest rate for the loan. ( I believe the bank is required to disclose all the terms of a loan in the loan documents. ) 5. This offer is a BALLOON loan offer. The total amount due ( around XXXX dollars ) is due XX/XX/XXXX. According to the CFPB website Balloon loans are no longer allowed. 
6. The XXXX number provided on the loan offer is no longer used by BOA. We had to speak to XXXX different representatives over the phone to find out that XXXX is no longer checked for messages. We left three messages on that number and never received a return call ) In conclusion, Bank of America is acting as a predatory lender, violating truth in lending requirements and violating the CFPB regulations.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2016 I made a deposit of {$900.00} via ATM. My account was overdrawn for the first time. I have deposited many checks from the same issuer in the past and have never had a hold placed on one until now. I called Wells Fargo and they advised me they could not remove the hold because the funds were not verifiable. I explained to them I have deposited many of these checks in the past and this is the first time they have placed a hold on one. They told me to call the issuer and verify funds are there. I did just that. I called XXXX and sent email ( see attached ) and funds are present to cash the check. I called Wells Fargo back and they said they still ca n't remove the hold from the account. I told them I felt as if they are doing this now because I have a negative balance and they just want to collect more fees from me. I have been with Wells for 20 years and have never had this issue. I sent email to XXXX and advised them the bank was saying the funds are still not verifiable. I then went into a branch office. The supervisor there told me she called XXXX and they banker would not verify funds available. She told me she would waive XXXX in fees. I then asked why they are placing a hold of nine days or more on this one check. She repeated that they could not verifiy funds. I advised the accounting folks at XXXX and again they are advising me the check shows as cashed on their end and cleared the account. Whom am I to believe at this point? The company who stands to gain from my misfortune in overdraft fees or the company who issued the check? I am still getting fees from Wells Fargo and plan to close all six accounts with them. I need to know why they can hold my money after the issuer confirms it has cleared their account? They are only doing this as policy to collect additional charges. A customer service specialist I spoke to stopped just short of agreeing they are doing this to just collect more in fees. See emails and copy of check attached.
Consumer complaint received 2016-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSWORLD SYSTEMS INC (AZ)

I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days. 
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue. 
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore. 
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016. 
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL) (FL)

With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Franklin Collection Service, Inc. (FL)

I ordered XXXX service. XXXX XXXX XXXX setup XXXX accounts. ( why I do n't know ) I was only serviced by XXXX account and paid on time every. They took me to collections for the implementation fee of the XXXX account. I disputed the charge and they removed it. after a few month they re-established it in collections with another collection service. I called them and all I get is that the account is in dispute. 
When I closed my account with XXXX XXXX XXXX they even gave me a refund for my overpayment. 
It was in collections with XXXX XXXX XXXX on XX/XX/2016. AS per XXXX " The creditor agreed to remove charges and/fees, This account is settled '' Now the collections shows up again with XXXX from Franklin Collections services Inc. my valid account number with XXXX XXXX XXXX was paid in full. As shown on my invoices the activation for my account was charged and paid by me on invoices XXXX and XXXX copies attached. When I closed my account with XXXX XXXX XXXX I was refunded the credit that was due me ( copy on final invoice attached ).
Consumer complaint received 2016-11-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I want to file a complaint about Wells Fargo. I do not recall ever opening the account for the XXXX XXXX Credit Card, which leaves to believe i was one of the victims of their scandal. Because I am afraid of the damage that would be inflicted on my credit report, I have decided not to close the account at this time. Instead in recent months, I have decided to start using this Credit Card. In addition to the complaint that I want to file for them opening an account in my name without my consent. I want to compain about how unsatisfied I am with the service of this account and want to express my displeasure with them as they have not responded to my direct inquiries. The credit card in question takes approximately 3-4days to post a transaction, which I believe is completely unacceptable and believe it is a huge security risk to my account as I am unable to monitor transactions as closely. For example, if I were to use my Wells Fargo debit card, it is almost instantaneously posted to my online profile as a " pending Transaction '' I should expect the same kind of fast service with this other credit card. I hope this gets fixed immediately!
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting Experian I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the Experian representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the Experian rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My bank is Wells Fargo. On XX/XX/XXXX, I made a XX/XX/XXXX mortgage payment by bill pay of {$3000.00}. I did this without knowing that my wife set up automatic withdrawals for the mortgage payment. The payment posted and as a result the XX/XX/XXXX mortgage was paid. The following day, Wells Fargo withdrew XX/XX/XXXX payment of {$3800.00}, thus putting my checking account {$2800.00} in the red. After repeated calls and internal transfers, the Wells Fargo claimed it could not replace the funds or reverse the transactions because they ( people XXXX were not allowed to intervene. As of this writing, my account remains in arrears. I am told it could take another 4 days to resolve, but in the mean time, I am unable to access cash, and other automatic payments are being kicked back thus resulting in further fees and aggravation. Wells Fargo is the worst bank in the world!
Consumer complaint received 2016-11-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: General Motors Financial Company, Inc. (NY)

GM Financial was sent a formal notice on XXXX/XXXX/2016 to validate and verify the debt they where attempting to collect on. No validation received. A second notice demanding validation was sent on XXXX/XXXX/2016 and GM Financial responded by sending forged documents, falsified records and documents with information whited out.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion 's system had a glitch where they added back all the inquiries that had been removed and they never notified me that these items were being added back to my report. I know that this is a direct FCRA violation. My score rightfully went up after the removal and then went back down when inquiries were re-inserted. I have tried contacting Transunion for 2 days for assistance, but I get hung up on, transferred to dead air, transferred to supervisors I never asked for, or just placed on hold and no one ever coming back. I am trying not to get upset, but it seems that I am unable to get anywhere. Could someone please provide me with a resolution? I would greatly appreciate it. Thanks.
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I started GE money credit card for my teeth and vet bills XXXX years ago. I lost my job in 2008 and consequently lost my residence and became homeless. I received XXXX XXXX years ago and live in subsidised housing. I continued to pay XXXX the minimum and XXXX XXXX to this day. The current hardship from Synchrony Bank to pay my loan off is {$55.00} a month for the next for 4 years. I also pay XXXX XXXX {$30.00} a month to pay off another balance. Both would no longer charge interest. I have duly paid these companies in the years that I have had them. How does one justify extortion from these companies that want even more.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (TX)

I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues.
Consumer complaint received 2016-11-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (OR)

This is a medical bill that I had set up payments with the hospital to pay and then lost my card and got a new one and forget to change it with the hospital by the time I call the hospital to set it up again 60 days later it was transferred to a collector ( my fault I should have called sooner ) I called the collection agency professional credit service ( who I had n't received any paperwork from, the hospital had my address and managed to send all the bills after my XXXX to my correct address but the agency decided to send them to my parents who I have n't lived with for 10+ years ) to schedule payments and she informed me my bill was now {$2700.00} instead of what I had paid it down to with the hospital of {$2500.00}. When I asked why that was she informed me they would be adding 9 % interest to my bill each month until I could pay it off ... WHICH SEEMS CRIMINAL! I started looking at if this was legal and the only thing I could find is that debt collectors ca n't charge me more than my original contract which I assume was the original bill from the hospital for just over {$3000.00}
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX my Capital One credit card account had an unauthorized charge of {$620.00} from XXXX XXXX and {$34.00} from XXXX. These charges were immediately disputed as fraudulent activities. Capital One has closed the account and reissued me a new account. But the same amounts from the same merchants were charged to my account repeatedly every month since XX/XX/XXXX until XX/XX/XXXX in spite the multiple attempts to change my account no. and credit the same amounts. I have spent multiple hours speaking to multiple agents in numerous occasion about this matter. On XX/XX/XXXX, they made a resolution and concluded that they were missing a credit of {$620.00}. But on XX/XX/XXXX, Capital One issued a rebill of the same amount they credited on XX/XX/XXXX. On XX/XX/XXXX, I made another phone call and requested a written explanation and/or computation about this long-drawn issue. According to Capital One they will escalate the said matter and give me a resolution and a follow up phone call within 72 hours. No follow up phone call was received nor a conclusion given. This issue has consumed so much of my time without any resolution. Despite several complaints, they have not resolved the issue in accordance with resolution prescribed by federal regulation. In my limited research I noted under EFTA ( reg e ), a financial institution is required to resolve the issue within 45 days. This has become a burden of mine for a year now. I have been a good customer of this company since XX/XX/XXXX and has been a responsible consumer since. I appeal to your good office to assist me finalize this matter once and for all.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses XXXX Experian. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to TransUnion and XXXX and I still have not received my credit report.