davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (NC)

XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (LA)

On or around XX/XX/XXXX XXXX the XXXX XXXX at Wells Fargo Bank closed and froze all my money, due to a business deposit that came in my business name, which they reasoning was it was a third party deposit meant for another party. I had tried for months and months to prove to that department I was the owner of that business which I was deny countless of times. In the midist of that I became XXXX  XXXX  homeless lost my car and my kids. I had stuffer alot of pain and hurt as years pass without them giving in I got a email in XXXX of XXXX from Wells Fargo XXXX department informing me that another person was added to my account that had been closed since XXXX. I knew I didnt give anyone other than me to have control over my account. I was unable to even get in the account the only people was able to get in the account was lost prevention at Wells Fargo Bank. Someone in that department added a person on my account without my permission to sign over the XXXX that they had froze 2 years before that email came to me in XX/XX/XXXX. On XX/XX/XXXX I file a complaint with the CFPB after XXXX long years hardship pain and stuffering and a fraud vitiam of this bank the money was release to me, but it dont stop there the money was from a loan that needed to be paid so the money that has release was paid to the lender, due to me losing everything after Wells Fargo held my money for so long the repayments grew bigger and bigger. Before I take legal actions against Wells Fargo for fraud pain and stuffering lost wages I am asking CFPB to settle this with them making a afforder for all I had went thru after they close my account wrongfully for four years held on to money that was much needed my biggest issues that they use and lied like I added a person on my account to move money out the account so the money wasnt able to draw more money. They added the other person on my behalf to make it seems as if the account was unclaim the truth was they closed the account they sent my money to unclaim money I am seeking help with this.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: COMMONWEALTH MORTGAGE, LLC (IL)

OnXX/XX/2016, Irefinanced my existing mortgage and closed on a new loan with Commonwealth Mortgage , LLC in the amount of {$250000.00}. 
The rates and associated closing costs that Commonwealth initially provided me changed after multiple times after committing to proceed. The Closing Disclosure paperwork at Closing did not match any I had seen to date - nor did it match the final version I had signed off on three days beforehand. 
Both prior and after receiving the final disclosure to review on XX/XX/2016, I was concerned with its accuracy and both called and emailed multiple people at Commonwealth who encouraged me to sign off without clarity implying that a potential discrepancy was likely do the payoff schedule dates. ( See attached correspondence reminding me of potential loss of deposit ( {$500.00} ) if not signed off on. 
Since closing, XXXX DID ADMIT that there was an error in my loan estimate and I 'd be receiving a refined based on their oversight. Commonwealth then informed me that they would be seeing my loan to XXXX XXXX XX/XX/XXXX XXXX. 
The notices I received from both lenders regarding loan transfer on XX/XX/2016 reflect different principal amounts ( Commonwealth shows a principal balance of {$250000.00} and XXXX shows {$240000.00}. 
More importantly - both lenders amortizations schedules differ from one another - and neither adds up to the amounts associated with the total proposed to pay over the life of the loan ( or principle/interest/TIP ) on ANY of the Loan Estimates or Disclosure Estimates provided throughout the process of refinancing - or at closing. 
To-date I have requested, a revised final closing disclosure multiple time that matches an amortization schedule and have not received either. Because my initial payment on the loan is due this month - and it 's more than two months after the date of closing, I 'd like assistance in reviewing all of the documentation I 've compiled to support this timeline in an effort to get clarify, revised paperwork and possibly revised rates to reflect what was initially quoted to me in order to secure the loan. 
I look forward to someone 's reply and hopefully a resolution to the lack of clarity and accurate documentation associated with my new loan. Please advise if there 's someone I can send a more detailed summary with emails/rate estimates/disclosures and closing documentation, which outline ( and prove ) the oversights relating to refinancing with Commonwealth Mortgage. 
In addition to my address, I 've also included my phone and email. Thank you in advance for contacting me at your earliest convenience.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.
Consumer complaint received 2015-10-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (NJ)

A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (OH)

I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Michael Wayne Investment (NC)

XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Consumer complaint received 2015-09-04
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (SC)

TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Arnold Scott Harris, P.C. (IL)

Arnold Scott Harris, attorney at law, issued a letter via USPS mail that I owe XXXX. The amount due for payment does not match the total amount balance in the description in the bottom of the page. They also claim to be an attorney or is communicated by an attorney ; threaten that my property and XXXX from bank account would be seized. It does not even say I can dispute this bill and that paying this debt could stop collection activity. This bill is fraud and should be vacated. I would like other payments made to Arnold Scott Harris to be investigated for the legitimacy of the bills.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation (SC)

When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CT)

THIS IS NOT MY DEBTDear XXXX, Dear Billing Dept Manager, I am writing this letter to confirmed that this is not my debt. And stop contacting me. 
I do not have any responsibility for the debt but you 're trying to collect. And you did send to RPM Collector. 
I am very upset to received this notice from you and RPM Collector LLC. 
I have paid on XXXX/XXXX/2015 with total {$100.00} by my credit card XXXX at XXXX XXXX XXXX # XXXX XXXX, XXXX, CT XXXX. ( Reference receipt ). After 7 days I have received XXXX more bills, I did call to Customer Service to make sure, and the teller told me " you paid already ''. Later a week, I am still received XXXX bill and RPM Notice on XXXX/XXXX/2015. 
And I did send the letter to answer about this debt at RPM on XXXX/XXXX/2015 but I am still received another letter to collect money from RPM again on XXXX/XXXX/2015. 
So I need you have to verify with your Billing department 's XXXX about this problem. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 
If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your help, Sincerely,
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I have numerous exchanges documented about this ongoing issue -- which is the point of this complaint. Paypal is refusing to cancel my account after many exchanges by phone email and app messaging, citing policies that allow it to wait 180 days ( 180 days -- not a typo ) to close an account that has " ongoing transactions '' -- which in my case are fabricated by PayPal, as the vendor they cited as having a hold on my account had stated in writing is not the case -- which Paypal reps are simply flatly ignoring and attempting to gloss over with their typical compliment/apology/empathy " writing style '' eg " We understand how frustrating it must be. '' REALLY. No, they must not or they would cancel my account as I do not wish to do business with a company that is technically emotionally abusive. 

My complaint is specific to the ( again : fabricated ) obstacles PayPal imposes to closing an account. I am demanding that my account be closed BECAUSE of this kind of obfuscation and complete lack of transparency by PayPal, which obviously is what they train their " customer service '' staff to uphold. Responses in their help-message dump reflect this and are all but incoherent as well as inaccurate and irrelevant to a customer 's questions -- deliberately. It has to be deliberate, because the alternative to not mislead is so simple to accomplish.
Consumer complaint received 2016-11-15
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AZ)

My XXXX yr old mother, who lived in a gated community in XXXX was convinced to sign a reverse mortgage agreement with Wells Fargo Bank, in XX/XX/XXXX. She had to be moved to assisted living late XX/XX/XXXX & her house had to be sold, which it was, 7 year / 3 months later ( XX/XX/XXXX ). She received {$250.00} a month thru that time. That means that she received from Wells Fargo Reverse Mtg. $ XXXX At the Closing, Wells Fargo Took {$62000.00}, Leaving my mother with next to nothing, on a house that was PAID OFF, previous to starting the reverse Mtg. That 's nearly triple payback of what they paid to my mother. She 's now nearly destitute -- -Shamefull !!!
Consumer complaint received 2016-09-21
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (FL)

QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by Wells Fargo as master servicer of XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX XXXX, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX Brokers Conduit filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is XXXX plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, XXXX XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Consumer complaint received 2016-06-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

For the past month, Wells Fargo has been unwilling to send/transfer money from my IRA account to XXXX XXXX XXXX XXXX for Single Premium Annuity product I purchased. I have provided them with the necessary paperwork and have visited the XXXX, GA branch on two different occasions to resolve this matter. The personal banker has sent the requested paperwork interoffice and I over-nighted the same paperwork. I received a call from the XXXX, GA branch on XXXX/XXXX/2016 and was told the IRA department has not received the paperwork. I have a 30+ year relationship at this bank. I ca n't understand why this process is taking so long.