davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (CA)

T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.
Consumer complaint received 2020-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (PA)

This company is providing me false information resulting in all 3 credit bureaus having negative information on my account. they keep sending me bills with a signature that is clearly not mine trying to claim i owe. i did not have a contract with these people. this negative account has been written off as bad debt which is incorrect. they are saying its a loan from a payday company which is illegal in the state that i am located. they have yet to provide proof on how i obtained this loan. they do not have the rights to legally collect the debt in addition there are not any places in my area that allow those type of loans. they are providing me the documentation that they wrote up trying to say that i agreed to the loan and i did not. they are only sending me letters with balances but no actual hard proof that this is mine.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Bank Of America refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
XXXX XXXX XXXX
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (RI)

I received a letter from Diversified Consultants claiming that they are trying to collect a XXXX debt from a XXXX account. I never had XXXX so I know this could not be me. 

I received the letter on XXXX/XXXX/2016 and instantly sent out a debt verification letter, in response they just sent back a letter with a photocopied bill. The bill showed just the name XXXX XXXX and nothing else. There was no signed contract or pedigree information. There are several XXXX XXXX that live in my area and I know that this is not my account. At the bottom of the letter they responded back with it said " this is not an attempt to collect a debt ' I recently got a notification from the credit bureaus that Diversified Consultants has reported negative information to the credit bureaus on me. This is not right and is illegal.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

We selected Sebonic Financial for our mortgage refinance. I believe they also go by the name of XXXX Financial. The reason we selected them was the low mortgage rate and costs to refinance. We have provided all the documents and responded on a timely basis. Each person I have dealt in their organization appears to be dragging their feet with the processes. They do n't return phone calls, information is lost, they tell me that they have all the documents and then they request more .... 

We are coming up to the end of our rate lock period. Now they are trying to extract additional payment from us for a rate lock extension. We have done everything to be timely in getting the appropriate paperwork to them, made arrangements to get the appraisal done, responded quickly to their requests, but over and over again, they drag their feet. It is as it the process is designed to get you to commit and then up sell you with rate lock extensions. I am starting to believe that they never expected to fund the mortgage at the rate they committed to. The whole process is designed that you ca n't get the process done in the rate lock period. 

Here are some of the tactics I have seen. Not just one, but a number of their people never return calls. They lose documents. They arrange for the appraisal, but the appraisers refused to accommodate any time ( weekends, evenings ) other than XXXX to XXXX. The person handling our loan told us that via email that they had received the appraiser the day after the appraisal. Then, yesterday they told us that it was n't received for 6 days. This was also in email. The person handling our loan gave us the wrong underwriter. The underwriter could not find our loan. Then, the same person handling the loan told me that the underwriter was the sales person which I knew was incorrect. 

In closing, their whole process seems to be a bait and switch. They sell the low rate and costs. Then, they drag their feet to close the mortgage refinance. Finally, they push for rate extension payment. My belief is they never intended to provide the rate that was locked in up front.
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I HAVE ACCOUNT THAT IS NOT MINE XXXX XXXX XXXX  # XXXX I NEVER HAD THIS ACCONT EVER I HAVE CONTACT MAY BE 30 TIMES OR MORE AND SAID THIS MINE VERY RUDE ITS IS A XXXX DEBT WHICH WOULD HAVE PAID IF WAS MY I HAVE DISPUTED WITH EXPERIAN WITH SAID VERIFIED
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

I received a check from my new employer for {$1900.00} and tried to deposit to my Citibank account. The teller let me know that it would take 5 days for it to show up on my account since I was a new customer which was fine. The next day I tried to use my debit card and it kept declining. I called the bank and they said my account was closed and they will send a check for the money in my account. I was confused and asked why since that was a real check from my employer. I went to my local branch and they couldn't give me anymore information other than my account was being closed. Every time I called Customer Service the rep would keep hanging up on me. I am confused as why a real check from my employer is being flagged as fraud.
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Received a notice from Portfolio Recovery Associates to pay a bill dated XX/XX/XXXX for a hospital bill from around XXXX. 
Amount is under just under {$1000.00}. 
This bill has been resolved for several years ( possibly prior to XXXX ) and is no longer a balance owed. They have tracked down addresses which have been out of state from where the bill originated and have continued to send notices.
Consumer complaint received 2017-02-12
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, XXXX, I sent a certified letter XXXX return receipt received XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX & XXXX of Capital One Financial Corp. To date I have not received a response from Capital One. The gist of the letter ( attached ) is that I was instructed to replace the Home Equity Line of Credit ( HELOC ) I had with Capital One as part of refinancing my first mortgage ( formerly with XXXX XXXX ) with them. My original HELCO with Capital One also served as overdraft protection to my checking account at Capital One. A feature I have always maintained was of utmost importance to me. As detailed in the attached letter to XXXX XXXX, after a month of receiving the run around from various departments regarding the overdraft protection status on my HELOC, I was told the bank no longer provides overdraft protection through HELOC! I could initiate transfers to cover any potential overdraft, but it would not happen automatically. Three times, the online system to transfer money from my HELCO to my checking has failed to operate. After speaking to four people in two different departments, Capital One still failed to resolve the issue. I ended up driving to the branch to get it done in person. To date I have been charged {$210.00} in overdraft fees. This is AFTER completing the bank 's own HELOC Overdraft Protection form as part of the application process. In short, the bank told me to change my HELCO for a lower rate and continued overdraft protection, then they turned around and denied me the overdraft protection, claiming that they no longer offered the service effective XXXX. Almost a year after they gave me the forms to apply for the exact service they claim to no longer offer and which I had been using for years prior. 

Finally I am very surprised and disappointed that I never heard from Capital One. I knew the President would n't respond personally and is probably completely unaware of the fact that I sent a letter to his attention in the first place, but the policies, practices and procedures of Capital One throughout this entire process has been anything but customer friendly. I might as well bank at XXXX XXXX!
Consumer complaint received 2015-10-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NV)

i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NJ)

Since XX/XX/2020, I have been attempting in vain to arrange for a payment plan on my account since I was adversely affected by Covid-19. I was laid off from work and could not pay my bill. I received a notice from XXXX XXXX XXXX that my account was in collections. I was informed that I would have to call back to arrange for a payment plan since a supervisor was not available. Since that time, I have called both XXXX and Barclay 's approximately 7 times to try to get this matter resolved. On XX/XX/2020, I was informed by XXXX XXXX of XXXX that Barclay 's had reclaimed the account as of XX/XX/2020 and that I would have to call back since he could not accept a payment from me. I also called Barclay 's on XX/XX/2020 and spoke with XXXX ( # XXXX ) and account manager XXXX, both of whom told me they could not accept a payment from me since it was being " charged off. '' On XX/XX/2020, I called and spoke with the Collections Department who also told me to " check back '' because my account had not yet been assigned to another collection agency. On XX/XX/2020, I called and spoke with XXXX XXXX who told me the same thing. There was a TV blaring in the background. On XX/XX/2020, I spoke with XXXX of the " Back Line Department '' and he told me the same thing. During this entire time, late fees are accruing, interest is accruing, and I am being negatively reported to the credit bureau. All I want to do is get on a payment plan and get back on track since I am now working again.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has me listed with XXXX for account fraud. I spoke to Bank of America and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

Prior to XXXX/XXXX/23 I had a mobile account with XXXX XXXX under XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX and terminated mobile services. After XXXX/XXXX/23 I did not use any service or purchase any product from XXXX XXXX nor did i receive any bill from them. On XX/XX/XXXX I received a demand letter from Convergent Outsourcing Inc falsely claiming I owed XXXX XXXX  $ XXXX without any information as to what specifically the bill was for. I called Convergent Outsourcing and spoke with an agent and indicated i terminated my phone service with XXXX XXXX in XXXX and did not owe them anything. The agent did not provide any information regarding countermanding my statement. I then called XXXX and spoke to XXXX and again explained i terminated service with XXXX XXXX in XXXX and did not owe anything- once again, XXXX XXXX  did not deny what i have stated. This to me seems to have the badges of fraud and I have made complaint to the Washington State AG office, as well.
Consumer complaint received 2019-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (WA)

CFPB Reference # XXXX New complaint with the same company. I have not heard back from AFR/XXXX. 
Now they have just sent us a new disclosure statement, it is incorrect. Because of their error they are expecting us to pay almost one hundred dollars more added to our monthly payment because of shortage. I would think that they could not do anything with our account until this is correct. I have not heard anything back from them, I have called, written, emailed. Attached is my balance sheet of our escrow account. 
I would really like to get this taken care of. Thank you, XXXX XXXX Loan # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX lease account payments have been paid in full, But the account is still showing a balance on my report of {$1300.00}. 

This {$1300.00} is false and I have no more lease payments open on my lease
Consumer complaint received 2018-03-16
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: EQUIFAX, INC. (CO)

Equifax refuses to correct my birthday and has been given proper legal documents to show correct year. They wrote on their file they sent to me they would not correct or change the information and their re investigation would not change the results even though I provided them with proof 2 times. What is wrong with Equifax? This needs to be fixed ASAP.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-09-14
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I 'm supposed to receive XXXX visa cards of {$12.00} each as a mail-in rebate for my purchase at Kohl 's during thanks giving last year. However I received only XXXX and i have been following up with Kohl 's customer support multiple times ( in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Every time I call them, I 'm told that the XXXX card has been dispatched again and I will have to wait for another 20days to receive it, which I never received. They dont give me a choice to speak to someone senior in the department to resolve this issue. I have screen shots of all chat conversations with the support
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, TransUnion and XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, TRANSUNION and XXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

In XXXX 2015 I went to Wells Fargo Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ). I deposited my payroll check as usual. It was not until I went to a local store to make a purchase that I was told my debit card was declined. I called the customer service line for Wells Fargo to inquire about the issue and was told it would take 3-5 business days to resolve and was told my funds were deposited and withdrawn on the same day. It is important to note that I did not make a withdraw request only a deposit. This was on a Saturday which left me without any money until the next week. Well on XXXX/XXXX/15 I again went to the same Wells Fargo bank to deposit my payroll check and again the transaction made by teller was that of a deposit and withdraw again leaving me without access to my money. I am not sure why this continues to happen. I have called the customer department and spoke with XXXX XXXX but again was told it would take 3-5 business days to research problem. I also spoke with XXXX Customer Service Manager and was told she could not speak to me over the phone due to confidentiality, and suggested I come into the branch. This is not acceptable to me as I would need to take time off work which would cause hardship. I feel like I have no other recourse than to file a complaint. I have been a loyal customer for over 20 years. 

Please advise,