BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX I was contacted via telephone by XXXX XXXX, Lease Retention Manager/Client Loyalty from XXXX XXXX located at, XXXX XXXX XXXX. XXXX, CA XXXX. XXXX XXXX detailed a special offer for a " Loyalty Programme '' being offered by XXXX. The offer was followed up with an email confirming my VIN number qualified and asked me to come into the dealership to see my options on a new XXXX. 
XX/XX/XXXX I stopped by to hear more about the offer and to have my XXXX XXXX inspected. The offer to trade in my XXXX XXXX, as is, for a XXXX model was confirmed. I returned to the dealership Saturday XX/XX/XXXX to select a new vehicle for lease and return my XXXX model which was once again inspected by XXXX and confirmed the vehicle qualified for the Loyalty Programme, no additional fees were due. The transaction was completed that day. I requested something in writing stating the transaction was complete and no payment due other than my down payment for the new vehicle of $ XXXX. 
Early XX/XX/XXXX I received a invoice from XXXX XXXX XXXX titled " Turn-In Settlement Invoice '' $ XXXX. I contacted XXXX XXXX via email however as of today, no reply. I then filed a complaint with the XXXX. XXXX XXXX, General Manager of XXXX XXXX responded with a basic form letter. His excuse was/is not acceptable therefore my complaint with XXXX is unresolved. XXXX XXXX later contacted me via telephone and left a message stating he would like to clear up this misunderstanding. I replied via SMS as I wanted any correspondence in writing. He replied suggesting this was a misunderstanding on my part. No further correspondence with XXXX XXXX sense XX/XX/XXXX when XXXX XXXX told me I misunderstood the invoice of $ XXXX. XXXX XXXX XXXX has continued to send me the invoice that I have not paid. The consumer should not be made responsible for unethical business practices. XXXX is a huge corporation, the consumer is one person who is forever being bullied....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, About 1 week ago, I received a letter from Loan Dept. my acct # XXXX, stating that I am {$180.00} short in my escrow account, which is strange, since I have a balance of XXXX they would charge me XXXX dollars more a month for a year to make up the difference, I did the math, that comes out to {$380.00}, which is {$200.00} more than the original {$180.00}. Is this Loan Depot or XXXX XXXX? I am on a limited budget, my main source of income is XXXX, and can not afford any unnecessary increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Harley Davidson Financial Services Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Harley Davidson Financial Services still shows my account as a bad debt for collection with a balance of {$10000.00} although the account was included in my bankruptcy ( BK final XX/XX/2020 ). I have called into their customer service line XXXX separate times ( XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) to correct the reporting. They will temporarily fix the credit reporting and then the balance/collection will reappear months later on my XXXX, XXXX, and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Client Services, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owe XXXX XXXX about {$11000.00} for a credit card bill and haven't been able to make any payments for several months. This morning around XXXX XXXX, a male from Client Services at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO called a family member and harassed her about giving them my phone #, etc. She said she couldn't do that then they also told her that they knew she lived at the same address that I did and told her I owed over {$11000.00} to XXXX XXXX. 

I understand it is against the law for them to reveal that type of personal information and I would like this addressed with the company and the person that made the phone call. 

I also want to ensure that they don't try to harass me or my family or try to retaliate against me while I'm trying to pay off this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After reviewing my Best Buy/CITI visa statement, I have been getting charged a debt protection fee since at least XXXX of 2018. The accumulated total for those fees since XX/XX/2018 is {$450.00}. I never agreed to any type of protection service and I am not exactly sure when this fee started to appear on my statement ( I can only go back to XX/XX/2018 ). I recall a similar incident with Best Buy some time ago before the Best Buy credit card transitioned to a CITI Visa. I asked them to remove the protection and credit me back and they did. Today I spoke to Best Buy and they agreed to remove the protection going forward but a refund would have to wait 30 days to see if it was approved or not. So they have been charging this fee for nearly 2 years but I have to wait 30 days to see if they will approve crediting me back. There are no guarantees it will be credited back to me and from the research I have already done, it appears most folks are not successful in receiving a refund from Best Buy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage account with XXXX XXXX was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. XXXX acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, XXXX report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive open an capital one debit card to learn I also had a credit card that was being used I called in numerous times about this account when I open a XXXX XXXX  account I also learned that that same capital one credit card balance was on my credit report I never had use this card and I am being held responsible for a card I never had any knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I don't really know what section my issue goes under. I attended XXXX XXXX XXXX online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Midwest Recovery Systems
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems ( " MRS '' ) is attempting to collect a debt that I do not owe. MRS placed a negative inquiry on my XXXX credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase XXXX  put out a press release clearly stating that while trading of XXXX would be suspended on their platform XXXX would still be available for withdraw. I have sent several emails to customer support over the last 10 days and received not one meaningful attempt to help withdraw my funds. They are hiding behind " technical issues '' and indicating operator error. After reading that countless people are having the same issues I believe it safe to say it is not the latter. I'm really curious how this not theft or fraud? Coinbase XXXX  had no problem converting my USD into XXXX and charging me exorbitant fees to do so. Now that I would like to withdraw the currency I can't and I find it suspicious to say the least. I would expect more from a company looking to go public than to hold millions, if not billions of consumer funds hostage. This is a major injustice and I'm shocked it is not front page news.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had disputed some transactions on my SSI direct deposit company, XXXX, when I ask for a refund, they say it was my fault. I live on a fixed income, and would not waste my money for un-necessary transactions ONLINE. help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full so i don't know how they are saying i owe XXXX cent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Knight Adjustment Bureau
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have Knight Adj Bureau trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and Knight Adj Bureau will not remove it. 
The charge off was back in XXXX, K.A.B. opened the file on XX/XX/XXXX. 
So how can XXXX XXXX  charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email today, XX/XX/2020, after XXXX XXXX, read Bank of America decided to close my credit card account with them on XX/XX/2020. I don't owe any money on my Bank of America Credit Card. So, I telephoned Bank of America and was transferred about five ( 5 ) times to different persons. The last individual ( female ) told me a collection agency sent to them about me. The lady sayed she was going to get her supervisor or manager on the telephone whom never spoke. I let this lady know that both President Obama and President Trump made Veterans Choice Program for us veterans to go to doctor. I further stated that I provided pre-authorization letter to doctor a few years ago that is supposed to pay for doctor bill by the Federal government. I stated that Bank of America should let me respond to any negative information provided to them about me before taking any negative action against me or closing my credit card account with them. I told the lady about how I have been discriminated against in similar fashion during my lifetime, now being a senior citizen. Lady placed me on hold again and did not come back to telephone. I told lady I am going to file a complaint if she doesn't open my credit card account back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Gatestone & Co. International Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company has called me several times to attempt to collect a debt with a company I have not done business with ever. I have told them multiple times I never had an account with the company. Never lived at the address they claim they sent a letter to that address. 

I don't even have any information to challenge the account. They are telling me I have to work with the creditor to get this marked as fraud. That's not my responsibility for an account I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax report was Merged with my sister. I attempted numerous times to resolve the issue through them. They could not confirm my account for me. They reported that I had an extra mortgage and numerous extra debts that did not belong to me. They referred my to their website but will not verify my information due to close SSN / Names. Very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our account was enrolled in auto pay. PNC stopped taking the payments. We never received any emails or letters form them informing us of any issues. The only attempt at communication was AFTER the loan was already late. Last payment taken was for XXXX of XXXX and no attempts to reach us were made until XX/XX/XXXX from their collections department. They also never provide confirmation emails or otherwise when a payment is successful. The payments should not have stopped being withdrawn since auto pay was enrolled for the duration of the loan term. They initially tried telling us we were never enrolled in auto pay and all our payments had been single pay made every month. This is easily disproved since the last time we logged in was XX/XX/XXXX of XXXX. Meanwhile all payments had been withdrawn with no problem. They then tried to shift blame on us by saying the auto pay had expired and we forgot. Yet when we go online to enroll auto pay it says we can't because auto pay is already set up, another lie. We didn't hear from a manager after trying to escalate. This has cause my partner and I 's credit to drop 86 and 120 points. Absolutely disgusting! We want these derogatory marks removed from our credit since they were the ones who without warning or cause stopped collecting payments. Then refused to provide any kind of notice or communication to allow us to remediate the situation. Any other financial institution sends our immediate communication when auto pay fails. Not PNC evidently.

Company response to consumer: Closed with explanation