davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

This is filing another complaint against Wells Fargo Bank. I returned a call to Wells Fargo Debit/Atm Corporate Office. I Spoke with XXXX, and explained to her my grievance. She said she would look it up, and assign a case agent in this case. And XXXX told me that it would take ten working days to research. Ten working days? She was not a help at all, and does not help in my situation. I need the Well Fargo Bank to give me back my money immediately. Today, I checked my account and found out that they have taken {$45.00} for overdraft fee, and they have taken {$12.00} out of my checking account for Transfer Fee. There was a reversal of {$120.00} in my savings account, but they have taken the {$45.00} as overdraft, how in the world they keep taking money after money to a zero account and keep charging me with overdraft fee after overdraft fee? I have attached the activity I have in my account. This bank keeps getting my money from each of my account. They would reverse my other fee, and then take the money out to pay them the overdraft fee? This company is a vulture in the industry. How in the world the WF would not know that the hold in this account has been a mistake from the XXXX ( XXXX ), and the XXXX has already faxed their release of my account XXXX, XXXX in XXXX XXXX, and another in XXXX XXXX? They have taken money in EACH of my accounts, including the account of my son! What kind of business practice was this? Are all banks like this? Again, the XXXX claim was their mistake, if WF want to charge someone, they have to charge the XXXX who keep making mistakes in withholding my money although I have already told them and gave them the documentation that I have been a victim of Identity Theft! This was not my fault, why is it my family and I would suffer on this? I do n't know why it 's so easy for this bank to withhold my account immediately, but it 's so difficult for them to return it back to my account. Are they investing that small amount of money first that 's why they wanted to keep it for 24-72 hours? Everything is electronic now and it 's not making any sense to me that it will take them 24-72 hours to return my money. It 's my money, it 's already in my account, they just withhold it. To put it back, click on an option to return and then it 's back in my account, that 's it. I was told by the XXXX representatives, ( XXXX, XXXX, XXXX, XXXX ) that it 's their policy, and that 's how long the process is. So, it took them a minute probably to process the withhold in my account, and it 'll take them 3 days to return the money back to my account? It 's not making any sense especially that they have been told that the hold was a mistake, and that they have received a release fax from XXXX. This bank is very frustrating, and I ca n't say enough but this was not a good business practice, this is a fishy business practice. This bank will set you up to failure.
Consumer complaint received 2015-08-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to short sale my home XX/XX/XXXX due to financial hardship. BofA agreed to the short sale but there was a purchase money XXXX mortgage ( also with Bank of America ) and they refused. The home went to foreclosure XX/XX/XXXX and sold back to original investor XX/XX/XXXX. BofA keeps reporting a balance due on my credit report which is harming my credit score and Inaccurate. In California Purchase money XXXX mortgages are supposed to be charged off when the property is liquidated. There is no recourse in this state. They are reporting a charge off but with a Balance. They keep changing what there reporting on my credit also. I have XXXX credit reports with them reporting different things on each one. I feel like there purposely trying to damage my credit by repeatedly reporting wrong dates and balances. I 'm sick of dealing with BofA, they are crooks!
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (GA)

Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX lists an amount due of {$6500.00} XXXX XXXX highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (NV)

My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.
Consumer complaint received 2015-08-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

My wife and I had to short sell our home in XXXX 2010 due to financial reasons. I had XXXX mortgages on the home and Citi Financial was a XXXX Lien as a HELOC. Upon closing, they provided me with a settlement letter that they would report to my credit report as a {$0.00} balance with a {$0.00} monthly payment. It 's been over 5 years and they 're still reporting both a balance and a monthly payment. I have been calling their credit dispute department for several months to no avail. I have documented evidence that I 've sent the requested information several times and they have not complied. The requested documentation was ; a full copy of my tri-merge credit report showing the Citi Financial loan with the balance and monthly payment, a copy of the satisfaction letter and a copy of the completed and executed HUD from the closing on the home showing CitiFinancial being paid. This information has been faxed to them on several different occasions. I confirmed this afternoon that it was received by their Credit Dispute Department and their Recovery Department and they have done nothing to help me. My wife and I are now back on our feet and have not missed a mortgage payment in over 5 years. We 're trying to qualify for a new home and this item is preventing me from doing so. I have had countless conversations and have lost count of how many hours I 've spent trying to get this resolved and every time I call they tell me that it 's not the correct department and have me send the same information over and over again.
Consumer complaint received 2015-08-12
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MA)

I went into an agreement with Global Client Solutions to settle XXXX outstanding credit card debts however I did not realize that they would be only responsible for passing off the debt to a Law Firm while both companies would be collecting separate fees upfront. I expected to pay a fee for any service but ended up paying {$510.00} for an entire year before my XXXX settlement was reached and at which time I had to come up with {$1100.00} to enter the agreement with the creditor. They take the fees upfront before any settlement is reached which in turn makes a difficult situation even harder. They promised that they would settle the debt for XXXX % or less of the original amount however my XXXX settlement was actually XXXX % of the original amount which by then is equivalent to me paying the full amount only difference being I payed the other XXXX % in fees split between Global Client Services and XXXX XXXX XXXX. They did settle the XXXX of my XXXX cards for XXXX % of the original amount which is the only success story from this experience but they arrange things strategically so that they only do it at the end of month after they take their fees even though I wanted to settle earlier to avoid excessive fees. Its all set in their favor so they get as much fee from the client as possible. I was also charged Pay-By-Phone Fees by their partner company XXXX XXXX XXXX every time they arranged a settlement with the company representing my creditor. I was also charged a one time Non-Refundable Legal Deposit of {$500.00} the very first month.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Subject : Billing Statement Dear sir/madam, This letter is regarding my Home Depot Credit Card Interest rate. I must begin by saying I have been a loyal customer since 2015. I have always paid my dues on time and I always pay more than the minimum requested. Home Depot uses promotions as an appealing way to entice their customers to join their credit card services. I signed up for the home depot card with the entry offer being 12 months zero interest. So, I was quite surprised with I opened my online statement and see that I went from a zero percent interest rate to a {$210.00} interest charge, especially being that my bill was only a remaining balance of {$560.00}. When I called Home Depot to discuss the large interest charge I was told the following : Customers are given zero percent interest rate for the first 12 months. I kindly asked where home depot came up with the calculated large amount considering the remaining balance was so low. The representative went on to explain that in the fine print of the final statement it states that if the remaining balance is not paid before the final statement, then the customer is charged a 12-month interest rate of 25.99 % for the year. The representative went on to explain that no one can assist with adjusting the rate and I have no option but to pay the increased rate.
So, Home Depot went from what I thought was a zero percent interest rate to now a rollover interest rate of 25.99 %. So, 25.99 % of {$560.00} is {$140.00}, yet I am paying a 37.6 % interest rate for the year. So, not only am I blindsided with their fine print agreement but I am being charged interest on top of the interest rate. I feel betrayed that I as a loyal customer for 3 years with no tardiness and paying more than the minimum due that Home Depot would not do more to personally notify their loyal customer of such an increase and make matter worse do nothing to assist them. This is a way for conglomerate companies to take advantage of their loyal customers and charging an in-interest rate of 37.6 % is outrageous.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I just was made aware of the CFPB 's Consent Order against Portfolio Recovery Services ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by Portfolio in the amount of {$3600.00}. Portfolio did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by Portfolio along with my XXXX credit report showing negative action from Portfolio.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? 

My receipt printed with a {$3.00} POSITIVE BALANCE! 

These NSF are completely unfair, your online application completely and utterly sucks. 

So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. 

I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a pre-approved application to XXXX credit card ( XXXX XXXX ). First off, the inquiry is from a pre-approved offer, and should be listed as a soft inquiry, so as not to damage my credit report. Second, XXXX XXXX denied the application and listed my credit score as XXXX which is also incorrect and not in my credit report. How do I proceed. Thanks for your help.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

I currently have a mortgage with BB & T ( initially XXXX Bank ). The mortgage is on a home I purchased in 2005 for at the time was my Primary residence. We have since converted this to a rental property as the home was no longer able to accommodate our growing family, and we were unable to sell due to market conditions. The mortgage is what would now be considered a predatory loan ( XXXX Interest only 1st 10 years ). In the past month the payment has ballooned as the loan has modified to its amortization stage the payment has increase by more than doubled what is was during its Interest only Phase from {$480.00} per month to over {$1100.00} per month. XX/XX/XXXX anticipating this change I reached out to BB & T to see if they were able to work with us on a refinance or loan modification. We were told we were unable to refinance due to the currently loan to value of approximately 130 %, the loan was not qualified for the HARP program as it is not backed by XXXX or XXXX XXXX ( we are told it is a BB & T/XXXX loan ). In XX/XX/XXXX we proceeded with the Modification/loss mitigation request as we were told this was our only option. After countless hours of works and endless documentation requests over almost 4 months we were told we had been declined for modification to a 30yr fixed program, leaving us only XXXX options keep making a payment we can not afford or let the home go into foreclosure. The reason for decline was that our current rents received cover mortgage payment. What BB & T failed to account for while delivering this decision is that there are Property Taxes, Home Owners Insurance & HOA Fees tied to this property that also require monthly payments. When factoring in these amounts we are at a significant loss.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the Experian credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!
Consumer complaint received 2017-07-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PROPEL FINANCIAL SERVICES LLC (TX)

Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud