davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (CT)

We have had a TD HELOC with a XXXX year draw period and a XXXX year renewal. ( This 5 year renewal product is no longer offered by TD ). As we approached the renewal ( XXXX XXXX, XXXX ), TD sent us a letter informing the we needed to submit last XXXX years income verification. My husband is XXXX employed and his XXXX tax returns were not yet available. 
We called several times to discuss requirements. With each call, there was no record of our previous call. On XXXX XXXX, we received final notification indicating that all paperwork needed to be filed by XXXX XXXX, XXXX ( 3 Business Days ). Due to holidays, we missed the deadline and were told that the exception could NOT be made. This experience was surprising due to the Office of the Comptroller of Currency ( OCC ) guidelines on Home Equity Lines of Credit Nearing their End-Of-Draw period : Contacting borrowers through outreach programs. Management should begin reaching out to borrowers well before their scheduled end-of-draw dates to establish contact, engage in periodic follow-up with borrowers, and respond effectively to issues. 
After speaking with several people in the TD Branch network ( XXXX XXXX ), we were told that an exception was possible. ( XXXX indicating that she had difficult time contacting Loan Servicing too ... would not answer phone ). 
Last week, we faxed my ( XXXX XXXX ) XXXX years worth of XXXX and XXXX XXXX tax returns. The fax cover letter indicated that XXXX XXXX tax returns would follow. 
XXXX we receive a letter from TD, indicating we were denied due to insufficientincome verification. XXXX again, pushing us into a repayment phase. 
We have an excellent credit score and significant net worth so if we could find someone to help us, there is no reason for us to renew our draw period for the additional 5 years that are outlined in our note. 
We have now applied with our local credit union and anticipate approval shortly ; however, our preference would be to continue with TD for the additional XXXX years.
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called TD Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but TD Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?
Consumer complaint received 2015-07-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

At TD Bank I cancelled my debit card since there were unauthorized charges, after the card was cancelled the bank allowed charges to be taken from my account. I went to the bank to close my account and the bank personnel said do not close the account just cancel the card so I did. They refuse to dispute the claim stating that the charge was valid without any documentation. THIS WAS AN UNAUTHORIZED CHARGE THAT THEY REFUSE TO DISPUTE IT
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

I have had an account with td bank for less than 90 days and I have received over XXXX dollars in overdraft fees even when I 'm not using my card. I hate this bank. Everyone I go to the bank off XXXX XXXX in XXXX, I ca n't get a manager. This is the most unprofessional business I have ever come accross. SHUT THEM DOWN
Consumer complaint received 2015-12-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (MO)

We are working with financial assistance programs. CHECK N GO keep calling my place of work my wife place of work XXXX cell phones everyday. They are informed that we working with the company have legal paper saying there company agreed to terms they are harassing us and our work place
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I have been trying to to resolve XXXX credit card accounts by paying smallaount for each of them But Citibank has been sending their formattedletters without any specificity or without letting me know about myproposal. They say they responded before but their response isuseless. I hope this time they let me know if they will accept total {$1000.00} for settling both accounts.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We represent XXXX XXXX XXXX regarding a foreclosure. While we represent XXXX XXXX in his foreclosure, he has been attempting to modify his loan and has had a complete package submitted with the lender for over a year. The lender has come up with every excuse not to properly review XXXX XXXX and has now refused to even ask the Court to continue a trial, in which the Plaintiff is seeking to obtain a judgment against XXXX XXXX in complete and utter disregard for 12 CFR 1024.41 ( g ) ( " a servicer shall not move for foreclosure judgment '' ). Recently, notwithstanding a review which has been going on for over 18 months, with updated documents being sent every time they are requested, SPS requested a XXXX to be submitted. This is one of the first documents required, so their requesting this document over a year into the review is a bit shocking. Nonetheless, on XXXX XXXX, 2016 the document was faxed to SPS. 
SPS has completely disregarded the requirements that the CFPB specifically enacted to deter behavior such as the behavior of SPS regarding this modification " non '' -review. 
Below is a brief background over the last few months ... 
1. After being in review for a modification for over 18 months, on or about XXXX XXXX, 2016, SPS requested a copy of the Defendants ' profit and loss statements, and the documents were sent within ten days of the request. 
2. On XXXX XXXX, 2016, SPS acknowledged receipt of a complete application to review the Defendants. 
3. Notwithstanding SPS acknowledging a complete package eleven days prior, on XXXX XXXX, 2016, a new request for information was sent by SPS. 
4. As XXXX has done for over eighteen ( 18 ) months, the Defendants immediately complied with the request and the responsive documents were immediately sent to SPS. 
4. On XXXX XXXX, 2016, Plaintiff 's counsel advised that a checkbox on the XXXX was incorrect. While this is one of the first documents SPS should have reviewed several months ago, they shockingly requested this document be corrected less than 35 days after acknowledging a complete package. 
5. Nonetheless, as the Defendants have done for several months, upon receipt of this newly requested information, Defendants submitted the information to SPS. 
6. Additionally, on XXXX XXXX, 2016, SPS confirmed a complete package.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We have submitted paperwork for a loan modification to SPS. SPS will not work with us on a modification due to prejudice of supposed home value. Our home is in a nice area and SPS is overvaluing the home. Our home is now in foreclosure status. SPS wants the home back to sell. SPS has not been helping us in our time of need. The lender consistently had prejudice reagaring the home value. We have seen what the homes have been selling for and it is a lot less then what SPS is estimating. We have been charged excessive fees by SPS making it harder to get a loan modification. We were constantly being asked for the same documents over and over.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I need your assistance to address this incorrect account on my credit report. I am concerned because this has harmed my reputation, and I need your support. Your mishandling of my credit report has devastated me, and your inaccurate reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased an automobile through XXXX and it was financed with Santander Consumer USA. I had to have a co-signer to ensure that I could get the car. The car was totaled in an accident that I had where a tree was in the road and due to low viability, I drove over the tree. My insurance totaled the car out and there was a renaming balance left on the finance. During my finance I was harassed by agents telling me that my car was up for repossession and I was not even 60 days behind on my payments. I have requested validation of the payments that they are reporting to my credit history. This has damaged my from getting credit with other creditors. I would like for this to be removed from my credit report and ensure that it is not sold to another company who will then report it.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (VA)

on XXXX I was contacted at XXXX on XXXX I was called not once, not twice not even three times but 5 times after 2 messages were left on the same day not even 2 minutes apart both a minute long. I have been in constant contact with this company to advise them I was part of a settlement program and the lady very rudely told me she had no idea what I was talking about. I have been with this company since XXXX and have been in constant contact. My husband will be leaving for XXXX soon and my mother will be going through her XXXX after battling XXXX. this has been a rough 8 months and I have kept them informed every step of the way so for them to harass and call me and not have anything notated of what is going on is absurd and frustrating disheartening. We turned the car in on XXXX/XXXX/XXXX at XXXX I informed them of that. we do not have another car and we were told the payoff was sent on XXXX/XXXX/XXXX. I can not control the situation but it does not give them the right to harass me.
Consumer complaint received 2015-10-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I qualify for the XXXX buyback. I 've gone about XXXX to XXXX time over the years to get the problem fixed. Most recently 2 weeks ago. So I asked how much I would get for my truck if they were to buy it bac they offered XXXX I owe about XXXX. My problem is I bought it new in 2013 I have n't used it recently becouse of the risk that 's involved but I do n't want to give it away to XXXX. My total cost with financing is XXXX I 've paid about XXXX I owe XXXX. I have about XXXX recalls on it do I qualify for the lemon law for the reason they do n't have part for it and have n't had any till present day. My vin number is XXXX
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Last year, XXXX XXXX company sent me a reservation pre-approved card number to apply for, by asking me to provide my SSN and bank checking account number for processing which I did. Later to know that {$300.00} was taken from my XXXX XXXX checking account by XXXX Bank without my concern. I did n't receive any credit card from them or open an account with them so I quickly called on my Bank to dispute that payment and it was refunded. Now that I have received a credit card from XXXX XXXX Bank, just recently and I have realized that there were some XXXX inquiries that affected my credit score, when I traced the source it has been revealed that I have opened an account with XXXX and has been closed, which to me I did n't because XXXX did not issue any credit card to me with their credit limit, therefore, I am disputing those XXXX information because it is inappropriate and irrelevant to my credit report. I once again plea for a dispute for the removal of that credit report. Thanks for your kind consideration.
Consumer complaint received 2016-06-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

See the following attachments regarding the short sale in XXXX for property we owned in XXXX, NY : 1. Letter XXXX from Wells Fargo - Short Sale Approval. 
2. XXXX Statement XXXX Wells Fargo - XXXX loan balances shown. 
3. XXXX Form XXXX {$140000.00} for Mortgage Loan - XXXX. 
4. XXXX Form XXXX {$79000.00} for Home Equity Line of Credit - XXXX. 
The total is {$220000.00} for both XXXX Forms XXXX See page XXXX of PMA Statement for Loan balances totaling {$500000.00} + {$91000.00} = {$590000.00}. The Short Sale Approved was {$390000.00} shown in the Wells Fargo Letter dated XXXX XXXX, XXXX. The loan balances less the sales price equals {$190000.00}, which we were anticipating the total for the XXXX Forms XXXX, not the total {$220000.00}. 
After many transfers to different departments, I spoke to several persons on XXXX XXXX, XXXX requesting proof of how the XXXX Forms XXXX were calculated. I was told that a " Work Order '' would be sent to the department which issued the Forms XXXX so we would receive the information in 10-12 business days. 
As of XXXX XXXX, XXXX no information has been received from Wells Fargo.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to zero. I just pulled my credit report and the balance reflected right now is not zero, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes XX/XX/XXXX, and paid accordingly XXXX. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off XXXX and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent and faxed Transunion this about a XXXX account on my credit report : " This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by you in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
More specifically, under the provisions of FCRA 611 ( a ) ( 2 ) ( B ), you were required to have forwarded all relevant information I provided by you to the creditor for their investigation of my dispute. I request identification of any information that you choose not to forward to the creditor, and whether you used the automated XXXX process. Response to this request is required, under FCRA 611 ( a ) ( 7 ), within 15 days of this request. '' They have still not responded, so the law states this must be deleted.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (CA)

I received a texted phone number on my phone. I called and it was Wells Fargo Bank asking if I wanted to reopen the credit card application. I stated I did not apply or open a credit card account with their bank. I was asked a series of personal questions to validate my identity. I only answered yes and that was my phone number which matched what they had. The other information was not me. The bank representative stated I contact my bank and all the credit bureau to place an alert. I proceeded and put an alert on my developed credit. No other transactions were done to my credit cards or any other accounts.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Ally Auto has abused their privileges of collected on accounts. I am currently due for 1 payment and have received daily phone calls from them regarding this. I did speak with an associate and advise that the payment will be made within the 30 days. Nonetheless ; I continued to receive phone calls ; I spoke with someone again on XX/XX/XXXX and advised her that the payments will be made, not setting up a promise. Well, today I get a call from my Brother-in-Law ; whom is not listed on the application, stating Ally requested a callback. How can this happen? Why would they stoop so LOW? 
I 'm seriously taken back, how can they call someone not listed as a point of contact and it 's not even past 30 days. So I called and asked to speak with a manager ; the lady prior said, " it 's how we do things ''. Once the manager got on, I advised him of the matter and he only asked when will I be making the payment. I advised him that we have n't reach 30 days and I spoke with his employee. Did n't understand why they would call someone not listed on my loan. Is their need for an attorney?
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (UT)

We have been charged over {$2000.00} in bank fees from Wells Fargo Bank due to our business checking account in XXXX, over {$750.00} in XXXX for many instances that are n't making sense to me. An account will show a positive balance and more than needed to make a purchase, the following day will be debited over - $ 1- {$25.00} ad multiple bank fees causing the negative balance. I have called Wells Fargo Bank 800 # several times once I could n't get cooperation from the branch level. I have yet to receive any cooperation at either level and most recently still have n't received any movement forward with a call back from a manager level as I 've requested. 

Also, in XXXX, realizing they opened a checking and savings account without our permission and additional check/debit cards, I placed a complaint with the banking branch manager. The savings account debits resulted in multiple bank fees.
Consumer complaint received 2015-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OR)

On XXXX XXXX, 2015 I called Wells Fargo customer service to report unauthorized charges on my account. I was told there would be a stop pay order put in. When I went shopping I was unable to use my cards. After looking into this I found out there was a hard hold put on both my primary account and joint account. I am unable to access any of my money and was told it would take up to XXXX business days to resolve. I am now unable to pay bills or buy groceries. My personal banker and bank manager made numerous calls about this but did not get anywhere. They could not even identify who put the hold on the accounts or why, and found no one to help us. I have made numerous calls to the numbers I 've been given, and just keep getting transferred back and forth, and never reach someone in charge.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

the XXXX sold me a car later they do n't want to financial more for this reason they took a car and report y my credit report involuntary repossession but contradictory they report no missed payment in my credit report, but a few day I call this company so they talk it is not their fault.