davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (CA)

Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits. 
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high. 
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no. 
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount. 
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking. 
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

My account was disconcted last year because i could n't work with the payment on XXXX 2015. 
The amount they are reporting is almost 5 times more that it originally was ... 

And will not pay something i do n't owe.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF THE WEST (MN)

We started XXXX loan applications together with Bank of the West. BofW told us the loans would be handled as a package and they required that the loans all close together. In fact XXXX of the loans was for our primary residence which required a 72hr rescission/hold so the funds for the other XXXX loans were not available. The loan process was extended multiple times due to XXXX appraisal and other 3rd party delays, yet BofW at XXXX point decided to charge us roughly {$1500.00} in rate extension fees, but only on XXXX loan. The delays were compounded by poor communication and organization on the part of BofW and yet we paid the cost, in our opinion.
Consumer complaint received 2016-12-26
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have been receiving the following email for several months about XXXX a week from Regions Bank. 
I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them. 
Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images. 
Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history. 
Because we value your time, we are emailing this information to ensure you are notified as soon as possible. 
Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account. 
Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page. 
Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX. 
Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails. 
Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX. 
Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (GA)

I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.
Consumer complaint received 2017-02-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: QC HOLDINGS INC (CO)

I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on XX/XX/XXXX and XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (TN)

I obtained a XXXX XXXX in XXXX of 2015 on a lease. Last month they filed a late payment with the credit bureaus. As a result I can not get my mortgage that I was pre-approved for. According to my payment history I have made 19 payments, which is one payment ahead of schedule. I have had to call every other month due to the poor finance department record keeping. I contacted the finance department a few hours ago and asked them to contact the credit bureau to remove the late payment. Their response was that they can not call and have it removed. My KIA MOTOR FINANCE act number is XXXX. I have had countless phone calls in regards to my act. The one month that I was 1 day late, I contacted them to let them know that I would be paying it on that day and they reason why I was late. My husband passed away on XXXX XXXX and I was dealing with his death, the estate and removing his possessions from his apartment. They told me that it would be noted and that there would be no problem.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hunt & Henriques (CA)

In response to complaint # XXXX Debt Collection Law Firm Hunt & Henriques I have enclosed copies of a judgement defendant XXXX that this law states it belongs to me. I have no contractual agreement with Hunt & Henriques nor XXXX. Hunt & Henriques must permanently cease and desist. I have also fied a complaint inquiry with the Attorney General office state of California. I have also filed a formal complaint with the Federal Trade Commission for violating the FDCPA. A formal investigation should be conducted by your agency against this Hunt & Hemriques. Thank you for your cooperation.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (PA)

Barclay 's bank issued a new XXXX XXXX XXXX card to me in 2015 that I did not request and then sent it to the wrong address along with subsequent statements and eventual termination notice. I live at XXXX XXXX XXXX but the account was associated with my name at XXXX XXXX XXXX By the time I learned of the issue the account had already been closed for nonpayment. The representative I spoke to on the phone told me that nobody I could speak with on the phone could reverse the negative impact on my credit report once an account had been closed. The agent also confirmed for me that no purchases had been made on the card but that I had been assessed an annual fee that then accumulated interest + late fees and eventual closure of the account. I obviously can not be expected to respond to correspondence that is not sent to my correct address, let alone pay an annual fee for a credit card that I did not request or use.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

i bought a new car thru kia finance the monthly payments are due on the XXXX of every month I enrolled in auto pay to have it withdrawn automatically from my checking account on the XXXX of every month, I called to cancel auto pay because I decided to pay myself on the due date every month I was told that my DUE DATE was changed to the XXXX instead of just my request for auto pay on the XXXX when I brought this to the attention of XXXX supervisors I was informed that the DUE DATE could not be changed for a year!!! I explained that it was an error on their part not mine and was told that there was nothing they can do they made the mistake I never wanted the DUE DATE changed
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

My credit report is displaying improper information that I have disputed several times for the past 2 years. I have consistently called and disputed the information for all XXXX credit burials. Not only is the information up 8 years old but its against the law. It has caused me financial hardships and I am currently still trying to find away to remove the information from my account.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Delinquent account — 
Company: BB&T CORPORATION (NC)

I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NJ)

I'am filing a complaint because of what I feel is predatory and misleading fees charged to my small business account with BB & T . A little more than 1 year ago, my local bank Susquehanna located NJ was taken over by BB & T. Since then I have been getting attacked with fees and charges on my account which Susquehanna never charged. I recently closed my account due to a XXXX charge which turned into {$66.00} in just one week. 

Here is what they do and how it works. BB & T charges your account {$2.00} if you do not take your money out of a BB & T account. In some cases this may exceed a 50 % charge to get {$10.00}. ( XXXX from the ATM machine and XXXX from BB & T ) There are some machines which charge XXXX to take your own money out like the local XXXX store using XXXX. So here is the latest which happened last week. I took a remaining {$40.00} out from my account leaving a balance of XXXX cents in my account. The next day i was charged {$2.00} and an additional XXXX for an overdraft fee. They then charged me approximately XXXX dollars per day for each day the account remained negative. 

I 'm not perfect and I have paid overdraft fees with this bank before, but to allow me to take money for which the very next day they will be charging me an overdraft fee is beyond dishonest. If they need the XXXX, then my available balance should be reduced in order to cover their fee. But by doing this they have become the most dishonest bank in New Jersey. It is my belief they are aware of this dishonest practice but like most large conglomerates the fines will be worth the income to their bank. Please investigate this and let me know if there is a class action lawsuit filed as I would like to get my money back. This is not the first time they did this and I had to learn the hard way how cynical they have become with this practice. 

Thank you in advance XXXX
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Berman & Rabin, P.A. (MO)

my niece went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) it has since closed because the company that bought it has filed chapter XXXX bankruptcy I was appalled when I found that my government allowed such a transaction to take place how do you not know when a college has been placed on probation and had lost accreditation. You the government has allowed not only her but XXXX to be put in financial ruin and now I have been drug into this nightmare and I am demanding my money back. I have found that the XXXX now called XXXX has been sued for wrongful business practices and that my niece has a letter that states her loan has been forgiven but we have a bigger issue and that is a company called Berman & Rabin @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX. These people sent letters to financial institutions to seize money for this bogus loan and they picked up on a CD I had in MY NAME FIRST my niece 's name second at XXXX XXXX XXXX from XX/XX/XXXX here 's were you may want to check the illegal activities of this transaction I WAS NEVER EVER SENT ANYTHING FROM THIS BERMAN & RABIN I WAS NEVER EVER ATTACHED TO A STUDENT LOAN I NEVER EVER SIGNED ANYTHING FOR HER STUDENT LOAN what did happen was I WAS CALLED BY A REP FROM XXXX XXXX XXXX THAT THEY HAD TO RELEASE MY CD TO THESE PEOPLE TO SATISFY THE DEBT that should have never been issued because the so called college was told by the accreditation commission NOT TO ENROLL ANY NEW STUDENTS BECAUSE THEY LOST THE ACCREDITATION ALL OF THIS IS FROM A SENATE INVESTIGATION. This is Consumer Fraud, Predatory lending and the XXXX Merchandising Practices Act 407 sections 1 & 4 she was never told the school was not accredited plus she was told the class credits would transfer to other colleges or universities, section 2 the XXXX book she has is not even for the USA its for laws in the XXXX she and the rest of the people that went to that place never used that book. How can someone allow this to happen I 'm sick of how she & her mother has been treated by this berman & rabin the abuse they have been put through both are suffering not only monetarily but emotionally something needs to be done and now. I know for a fact she has been fighting this for 6+yrs and now the fact from our own US XXXX has proof that she and all that went there should have never been burdened by a student loan they have been deceived and she was not of sound mind and body anyway we as a family were dealing with the illness and eventual death of her father my brother so in XX/XX/XXXX she should have never signed any document for anything she was in a severe XXXX for over a month after his death she was off work for one month I know.
Consumer complaint received 2015-08-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MA)

We have a mortgage with M & T Bank and we have been approved for a modification under the HAMP program ; We are grateful for that, however M & T Bank assigns the mortgage to XXXX XXXX XXXX XXXX, and XXXX becomes the servicer of the loan, albeit on a temporary basis. 
Our complaint is that M & T Bank, throughout the HAMP application process and subsequent to successful completion of the HAMP Trial Period Plan, continues to sendout letters and account statements reflecting not only inaccurate financial figures, but also a veritable " blizzard '' of mailings that hit us as very intimidating, alluding to potential foreclosure proceedings. Since M & T Bank has assigned the mortgage to XXXX, they are technically no longer the loan 's servicer, and should not be sending such mailings. 

After much angst caused by the intimidating mailings, calls to XXXX result in our being told to just ignore the M & T Bank mailings, despite that many of the mailings specify that we must respond in writing within a certain time period.
Consumer complaint received 2016-12-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWORTH MORTGAGE LLC (PA)

We got Pre approved for a home loan in XXXX 2016. The first time my husband and step applied and was approved for a XXXX loan. We found a home within two weeks and started the process. Within the three months from XXXX to XXXX 2016 we had the most horrible experience with Cityworth mortgage. We could hardly get ahold of our lender, they caused issues with step father which made us restart the process using my name my mother and husband. After turning in all paper work that was requested our closing cost kept going up, the closing date kept getting pushed back, and we tried to reach someone over our lender but kept getting told he is the supervisor. Even our realtor had a terrible time with him. We have multiple emails with no response multiple calls with no answers or return calls. And a couple of days before closing our lender calls and backs out of the loan. We were in the process of selling our current home and had everything packed up ready to move with electric and gas ready to be turned on and home owners insurance which all had to be canceled. Every problem we encountered our lender should have been aware before hand and he never told us unless we continuously called him to finally get an answer. The company is anything but professional. They do not answer questions and make you think things are okay when you finally talk to them to find out that things are not okay two days before closing. We got behind on bills and everything from what cityworth put us through no one should have to work with a mortgage company that is so incompetent.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

*This item XXXXXXXX XXXX  is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (NY)

XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.