davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a formal complaint and request for investigation into the retaliation and unfair business practices of both Bank of America and XXXX. 

I filed complaints against both of these banks for egregiously excessive bank fees and charges related to unfair credit card charge backs on my business account experienced from unscrupulous ex law firm clients and wherein our previous merchant service " XXXX XXXX '' " shot first and asked questions later '' and withdrew large amounts of money from our account and then maintained their illegal and unethical policy of " holding my funds '' for 90 days or more, even if we provided XXXX XXXX proof of credit card authorization and permission and signatures from those clients. 

Those clients may not have liked the work, or liked our final billing invoices, but they certainly authorized such payments. 

After these unlawful charge backs our bank accounts were negative for 90 days, and every single XXXX placed in these accounts were sucked into XXXX theft. 

Meanwhile all automatic ACH Payments and checks already submitted were denied and humongous fees as high as {$170.00} were assessed by these banks for each failed ACH transaction. 

To make matters worse even though I called in to put stop payments on checks and even to remove automatic ACH transactions for insurance, advertising etc, these banks refused to heed or listen to me and continued to assess these huge fees again and again, thus driving these accounts further into the negative. 

After I filed complaints with the XXXX and Consumer Financial Protection Bureau and other agencies, these XXXX banks responses were to close my accounts in a retaliatory fashion, " write off '' this manufactured and false " debt owed, '' and then forever BLACKLIST me and my law firm business ( using my social security or business tax ID number ) from ever opening up a bank account with them in the future. 

2 weeks ago I was denied a ban account opening at Bank of America in XXXX NJ because of this unfair " blacklisting. '' It seems that because I merely exercised my right as a taxpaying American who was victimized by these banks 's and merchant account behavior, coupled with the unfair and illegal methodology exhibited by XXXX XXXX XXXX XXXX ( another previous recipient of my complaints to the CFPB and XXXX, as well as a lawsuit which I won ), that I have been illegally and unlawfully BLACKLISTED and prevented from opening a bank account with these XXXX banks, as well as other banks, because they apparently share this false information against me, thus causing other banks to also deny me an account or give me trouble and difficulty if I do in fact manage to secure another bank account with a different bank. 

Please aggressively investigate, and advise. 

Kind regards, XXXX
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX Bank of America represented to me some of the fees and costs assessed to my mortgage included an amount used to pay off the XXXX XXXX lien, but it remains unpaid to date. I have requested a detailed account and accounting of the XXXX fees and costs assessed to my mortgage and do so again. I have not received any response from Bank of America to date in this regard.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

Misleading sale practice Complaint Description : Agent XXXX XXXX pulled my credit report without my permission nor did I sign any papers giving her consent to do so. I spoke with her concerning renting one of their properties. XXXX XXXX stated it was ok for my mother to fill out the application and stated we had to pay the XXXX dollars before seeing the rental property because she had other clients who wanted the home. I and my mother asked her not to pull our credit report several times, even calling the office speaking with XXXX XXXX asking whether XXXX had pulled my credit report because I did n't want it pulled knowing that she did n't have all of my information to rent a home and she told me she would wait before pulling my credit report until she got all our information before processing with the application. XXXX told my ( Mother ) it has n't been pulling after calling her several times asking her as well, later finding it had been pulled without my consent nor did I sign any papers for them to do so period. They refunded the XXXX dollar charge because they were ask not to pull my credit report now they need to remove the inquiry. I never agreed to become indebted of the pulling of my credit report.
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (VA)

I am trying to receive a letter from US Bank regarding the sale of my previous property as a short sale because I am in the process of purchasing a home. Also, I am trying to get my credit report corrected regarding this mortgage. I have been calling them daily for over a week. However, US Bank keeps denying me this info and their supervisors do not return calls as promised.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I lost my Bank of America Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Bank of America on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries on my credit report : XXXX XXXX XXXX, XXXX/XXXX/16, XXXX XXXX XXXX, XXXX. The unauthorized inquiries do not belong to me.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

Re : # XXXX US BankI received a lengthy " meaningless '' response dated XX/XX/XXXX by mail from US Bank from XXXX XXXX, Customer Care Specialist, that " did not address the real issue. '' They provided nothing other than what is already known by myself and hence, the reason for my complaint. 

XXXX paragraph, XXXX line states : " The available balance reflects funds that are available in your account for your use and is used to determine if an overdraft occurred on your account. " The " issue and problem '' is and has been they did not reflect any negative balances before I withdrew funds and ONLY added excessive fees after two to three days after withdrawal therefore creating a cascading effect on my account. This exact issue occurred after I closed XXXX checking/savings account at XXXX branch XXXX XXXX XXXX and opened a new account at the XXXX XXXX branch. It is US Bank 's computing system and the lack of US Bank 's attention to detail and dates of transactions that have created a financial hardship I am still attempting to recover from and will not recover from until XX/XX/XXXX 

I also filed a complaint against the XXXX XXXX branch 's manager after her rude demeanor and her lack with the English language in addressing the very same issue I have found myself confronted with. I have since closed my account with the XXXX XXXX branch and will have no further affiliation with the US Bank XXXX. 

In hindsight - I should have been with XXXX XXXX where I have had a checking/savings account where I never had this issue even when I used overdraft protection over the past ten years with XXXX XXXX ; never.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

I paid off my son 's XXXX XXXX loan in XXXX of 2009. Last year Navient contacted him at work and threatened him with collection if he did not agree to begin making payments. Not understanding that this was not a debt he owed, he agreed. When the amount they were demanding went up after 9 months, he contacted me. I sent them all of my documentation proving the loan had been paid in full three weeks ago. Nothing has been done to erase this debt, nor have I been able to reach a supervisor in the fraud dept -- today I have been on hold for almost two hours. This is ridiculous! I want this loan removed, and the money he sent them under duress refunded.
Consumer complaint received 2016-08-02
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (OH)

US Bank National Association dba XXXX XXXX XXXX has failed on several instanced to adhere to the terms of THEIR card holder agreement. After enticing that my tax refund be direct deposited to my card through a {$10.00} credit advertisement the company refused to post the funds to my card. I was THEN informed that they only take deposits up to {$5000.00}, which varies greatly from the terms of their agreement. In XXXX XXXX, prior to filing my taxes, I contacted customer service for my XXXX XXXX thru XXXX XXXX bank statements to help me with filing my taxes and was told that they no longer had access to my records. I advised them that Federal law mandated that the keep these records for a number of years, the rep had no knowledge of the laws and advised that she would escalate the matter and have their superiors contact me. I am still waiting for that call back. In XXXX I used the card for incidentals at XXXX hotel. XXXX XXXX charged my account in excess of the amount the vendor attempted to hold and refused to credit it back after the vendor released the hold. I spent over 8 hrs on the phone with various reps who pretended that they could not release the hold, when paragraph XXXX of their agreement provides a means to do so with written authorization from the vendor. I advised XXXX XXXX that they were in violation of THEIR agreement and the rep, XXXX stated she could not further assist. On XXXX XXXX I requested an arbitration hearing and to date I have not received a hearing date or any information regarding the status, resulting in 3 additional calls. It is my opinion that XXXX XXXX preys upon individuals with financial troubles and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The prepaid card is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this " benefit ''. Each month I have to call in and I am told the phone reps can only see that I earned the benefit, but have no way of tracking if the benefit was used by an unauthorized party. When I requested an inquiry on the matter I was advised that someone would call me back within 48 hours to let me know. To date, I have NEVER received a return call from my numerous inquiries. Please review the attached information and feel free to contact me for more details regarding the atrocious disregard for the financial laws of the State of Ohio and the United States.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was recently denied a refinance on my present mortgage by Bank of America. 
They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called XXXX made XXXX separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

The loan modification CONTRACT documents say I should pay one amount. The loan account statements say my payment is a different number, a higher amount. Why? This servicer 's documents are harder to read and comprehend than others ' I have seen. Is this failure to communicate an error on their part or mine. I thought that the contract amount was the amount that I should pay, not amounts after the signing by the parties. The amounts on page XXXX of XXXX, XXXX of XXXX, page XXXX of XXXX, and XXXX of XXXX are different numbers, and conflict with the loan modification contract amount on pages XXXX and XXXX.
Consumer complaint received 2016-04-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (LA)

I had a loan with TD auto finance. I refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX sent TD a check to payoff the loan and they have proof that the check was recieved by someone at td on XXXX XXXX. Since then they have not cashed the check and they are trying to get me to continue paying them. I 've called them multiple times and they ca n't seem to figure out what happened to the check. I showed them the proof it was recieved and they keep writing a note on the account to research the problem. That 's all they ever tell me. They even spoke to carter federal and admitted to them that their cashiers department is backed up. Well here we are a month later and in 4 days my account for td will be 30 days over due and it will be reported to the credit agency. I have excellent credit and I do n't want it ruined because of a company 's incompetence and failure to cash a check and post it to my account in a reasonable amount of time.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a complaint to Transunion thru the CFPB, that I am a victim of identity theft. 
Transunion responded that they verified fraudulent items. I would like to know how is it that a fraudulent account belonging to someone else can be verified, how and when
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

Equifax Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Consumer complaint received 2016-06-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.
Consumer complaint received 2015-10-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (OK)

We are receiving phone calls ranging from 3-8 times a day from the day that the payment is due until 7 days before I can set up a payment to pay the loan. I receive emails and messages as well. If they ca n't reach me on the home phone within seconds they call my cell phone.
Consumer complaint received 2015-11-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

This is an ongoing issue with TD Bank. 

The Bank is refusing to accept a CERTIFICATION OF TRUST in Lieu of a Trust Agreement despite a Florida law ( XXXX ) to the contrary. 

Please investigate the business practices of TD Bank, specifically in Mortgage Origination as it pertains to Trust requirements.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

The state of Kansas filed a State tax Lien on XXXX/XXXX/XXXX, for tax XX/XX/XXXX-XX/XX/XXXX.The last time I owe a home was in XX/XX/XXXX.file CHAPTER XXXX BANKRUPTCY DISMISSED/KANSAS DOCKET # XXXX. I move out of this house in XX/XX/XXXX.On XXXX/XXXX/XXXX order of sale for this house. On XXXX/XXXX/XXXX ORDER OF CONFIRMATION OF SALE. THIS ACCOUNT HAS BEEN RE-AGED BY THE STATE.A COPY OF XXXX CASE # XXXX SHOW TAX PERIODS DUE FOR XX/XX/XXXX-XX/XX/XXXX.THE DATE OF FIRST DELINQUENCY UNKNOW. THIS ACCOUNT INACCURATE AND OUTSIDE THE STATUE LIMITATION. ON THE TRANSUNION CREDIT REPORT SHOW ME LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. AND BEFORE THAT AT XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. THE STATE SAYIN I OWE TAX FOR XX/XX/XXXX.COPY INSIDE. THIS WAS RELEASED AND TERMINATED.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/19 THEY BILLED XXXX OF UNAUTHORIZED CHARGE AND I DISPUTED THAT AMOUNT THEY GAVE ME THE CREDIT FOR THAT. 
XX/XX/19 THEY REBILLED THE DISPUTED AMOUNT AGAIN WITHOUT PROOF NOR EXPLANATION.
Consumer complaint received 2019-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada (NV)

This collection of {$160.00} does not belong to me, it has been effecting my credit since the date showing on XXXX XXXX. I have not used this service I am being billed for, this account needs to be removed from my credit history and credit score. 

Thank You.