BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: VW Credit
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.

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 2021-08-06
Company: Experian Information Solutions Inc.
State: CA
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 hope you can help with a matter I am having with Experian. I have been trying to some issues solve on my credit report and XXXX  and XXXX  have already updated and fix the issues for some reason Experian does not want to do their job. 

In XX/XX/XXXX I file disputes with Experian on XXXX XXXX that it was paid as agreed. 
XXXX XXXX that I was never late on this account XXXX XXXX XXXX which is my Mortgage company they are showing a late payment I have never been late on my mortgage this was in error on their part and needs to fix.

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 2017-11-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.

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 2017-11-06
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi there, I had purchased 6 plane tickets between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX which I thought I was using my XXXX XXXX credit account and then I realized I was using my XXXX debit card which was linked to my Bank of the west account and I had no money on the XXXX credit so all the charges started going to the bank which I had almost XXXX in the account but not enough to cover the total cost of the tickets. While this is going on I am also disputing 4 charges XXXX, XXXX, XXXX and XXXX. The dates were wrong on the tickets which were XXXX and XXXX and the XXXX XXXX charges are for credit that I thought was being deducted and I was going to be given credit but they charged me XXXX each ticket which is also in dispute. My ending statement for XXXX XXXX was positive XXXX. Now my statement from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX I had a balance of XXXX and I was charged XXXX in overdraft fees. I called the bank and explained to them what had happened but they did not offer me any help and their fees on my statements just say fees for different amounts without any detail.Now XXXXXXXX has been trying to collect their money from for charges that I made using my XXXX XXXX card which remember I thought I was using my XXXX when actually the XXXX XXXX went to my bank account to get the funds that were not there.They send in each transaction you make twice to the bank so I get a charge of XXXX each transaction that goes into the bank. XXXX XXXX said they would help with some of the charges but I do n't understand my new bank account did not give me any options when I called them about this. So this statement I am now at - XXXX because I had a bank wire that came through the bank which was supposed to pay my rent not overdraft charges that I am so far in over my head with and do n't know what to do.I do not remember opting in to the overdraft protection or signing for it. I really could use some help The bank has really drained my account with fees and not offered any help. I now also have a XXXX balance on my XXXX XXXX debit card which was XXXX balance before all this mess. I do not know what else I can do. I really need help around this. I think the bank has taken way advantage of me and should not be able to charge me all that money which I am now facing eviction for lack of money they took from me. Please help XXXX, XXXX XXXX XXXX

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 monetary relief
Consumer complaint received 2018-09-02
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a collection account validation I sent a certified letter the Cadillac accounts receivable to validate the debt the debt was alleged on XX/XX/2014 the alleged amount was {$770.00} I have called them several times without any response all I've been is hung up on they will not validate this debt also it's in violation of the federal and state HIPAA privacy laws the Fair Credit Reporting Act the Fair Debt collection procedures Act and the definition of my character I would like to have you investigate this for me because I'm not getting anywhere with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded my car in on XX/XX/2018 at XXXX XXXX in XXXX ga they accepted the trade which is documented on my contract on XX/XX/2018 my payment for the traded in vehicle was due on XX/XX/2018 ( 13 ) days after i traded in the vehicle on XX/XX/2018 a late payment was recorded on me and my cosigners credit even though i had no ownership of the vehicle from XX/XX/2018 i have called the owner of the loan they say i have to get a paper from dealership i call the dealership was told they would get the document a week later i went to dealership because of no response and was informed they would get document but i may or may not help another few days go by nothing i have filled complaint with XXXX also reviewed on XXXX and now am in process of doing direct dispute with bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Grant Mercantile Agency
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was supposedly charged by an ambulance company in XXXX CA. I never received any correspondence from a company called Grant Mercantile, XXXX. XXXX XXXX, XXXX, CA XXXX, who evidently was charged with the collection. I have never received a bill or charge from either company. I have not received anything ever from either company. Now I am trying to obtain a mortgage and this supposed debt is causing my stellar credit rating to be substandard. I have spoke numerous times today with a rep named XXXX. The last time I spoke with her today, she told me the computer was shut down, she could not speak with me. She said the office closed, that here computer was shut down, and the office lights were shut off. This was at XXXX PST. If you dont know what time that it, its XXXXPST. 

I was on the phone with my mortgage broker. It was infuriating. That this company, Grant Merchantile, can actually ruin a credit history I have spent a LIFETIME to keep pristine, and ALWAYS above 800, is insulting, and criminal. 
I would appreciate a call ASAP. This is unacceptable, and their license should be revoked. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is related to my previous complain. It was researched but not detailed. I didnt agree with the companys response as it does not cover everything. Please refer to CFPB Ref No : XXXX especially the feedback. I can not reopen the old ticket so this would be a new ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the original debtor ( XXXX XXXX Hospital ) the following amounts : XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$140.00} I was contacted by MiraMed on XX/XX/XXXX by mail that I owed {$60.00} on XX/XX/XXXX. I contacted XXXX at XXXX who verified a XXXX   balance with them. 
on XX/XX/XXXX. I contacted XXXX at MiraMed who said she'd send a balance verification to XXXX XX/XX/XXXX. I contacted XXXX at MiraMed who was disgustingly rude and disrespectful when I tried to discuss the issue again. 
XX/XX/XXXX. I contacted XXXX at XXXX, she verified the XXXX balance and agreed to escalate the issue with MiraMed and request a Paid In Full letter be sent. 

MiraMed would call various times between then and now and I would explain it again and they would agree to look into it. 

Between XX/XX/XXXX - XX/XX/XXXX, MiraMed called ( 5 ) times about this debt. 

On XX/XX/XXXX, I mailed XXXX and MiraMed copies of the cleared checks my bank sent to XXXX electronically. 

Since XX/XX/XXXX, they have only left two messages attempting to collect a debt. 

I've paid my debt in full to XXXX, MiraMed isn't owed any money. These two companies had a miscommunication and refuse to resolve it and meanwhile Miramed continues to harass me over the issue. I'm requesting debt collection practices be stopped and a paid in full letter be sent. Thank you In the attached file below, my bank could not separate the payments I made to XXXX during this time period but each check ( upper left corner ) and letter ( Re : ) is marked with the correct account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is another complaint regarding XXXX XXXX. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at XXXX XXXX & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at XXXX XXXX, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with Northland group now known as Radius Global Solution and they are no longer handling my account due to the inaccurate information that was provided to them by XXXX XXXX due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: BlueChip Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for an online payday loan from a company called bluechip financial dba XXXX. This is a tribal lender governed by the XXXX XXXX XXXX of the XXXX XXXX XXXX. 

Borrowed XXXX back on XX/XX/2018 and got approved. I was also on the brink of being evicted and needed to pay my rent plus a late fee. My payment terms for this XXXX dollar loan ... XXXX a month for 8 months and a final payment of XXXX. I agreed thinking to myself that as soon as the principal balance became low enough, I would pay the loan in full to save on interest. I said yes to automatic ACH debits from my account. I didnt realize that after making my payments faithfully for 6 months, I would have to still pay more than I borrowed tp pay in full ... XXXX I have paid XXXX on this XXXX loan so far and can't afford to pay them anymore. I also contacted the dept. Of financial institutions in my state and was emailed that they dont have a license to operate in my state. This loan is therefore ILLEGAL.

I have put a stop payment order with my bank and even though I have three months left on this loan, I refuse to give anymore " free '' money to an illegal and predatory lender who only cares aboit lining their pockets. 

I am also a XXXX XXXXXXXX XXXX patient and need to buy XXXX XXXX meds to manage my condition. I want to enjoy my money, not shovel it to these predators. XXXX for a XXXX dollar loan is ENOUGH. Also, since I put in a stop order for future payments, access to my XXXX account is unavailable. IDK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America does not reduce the balance owed on the day a payment is made, and instead lets the interest accumulate for an additional 2 calendar days before crediting a payment toward the balance owed. Please see the screen " grabs '' from my two accounts. 
Thank you for working for the Consumers!

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 2018-09-02
Company: Internal Check Systems, LLC
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:
I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX  they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and XXXX XXXX and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud

Company response to consumer: Untimely response