BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a Bank of America credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that XXXX had pulled 2 hard inquiries ( 1 without my consent through XXXX ) and suddenly I was getting hit with an issue with a Bank of America credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with B of A is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.

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 2021-02-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint is about TD Bank, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
TD Bank offered a re-financing for my house, and I signed a XXXX rate-lock agreement with TD in XX/XX/2020. 
InXX/XX/2020, TD Bank said the existing lender could not perform a loan assignment due to COVID in order to close the re-financing, but asked me to wait and promised in writing to extend my rate lock until closing. 
Despite my weekly email follow-ups, TD Bank continued to ask me to wait. 
InXX/XX/2020, I informed TD Bank I could not wait any longer and wanted to close the re-financing without the assignment, and I was willing to bear the resulting additional cost. 
In XX/XX/2020, after my numerous attempts to get an answer from TD Bank, TD Bank informed me they would not honor the loan terms they promised to me. On XX/XX/2020, TD Bank promised in writing to refund me the {$530.00} in appraisal fee that I paid in good faith at its request during its underwriting process. I never received the refund. On XX/XX/2020, in response to my email inquiries, TD Bank representative emailed me and said he would check on the status of the promised refunds. 
After that, TD Bank stopped responding to my continued inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We had a XXXX XXXXXXXX XXXX leased and it was wrecked and was a total loss on XX/XX/2022. 

Our insurance company paid off the lease XX/XX/XXXX, this year. Due to our large down payment and the value of the car we had approximately {$7000.00} of equity in the car. Payment made was {$35000.00} and the payoff was approximately {$29000.00}. The difference is due to myself and my wife. 

Toyota Financial Services won't even confirm payment has been made, have not " processed '' the check, and have lied to me as I get a different story every time I call them. At this time they refuse to give us our refund due, or even a date when we can expect it. Their response is they are " very sorry for the inconvenience '' and they won't even transfer me to a supervisor. 

I am currently XXXX due to a XXXX XXXX and those funds would really help us. We had to payout {$4200.00} to lease another vehicle with them and we really counted on the equity. PLEASE HELP US! 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX prepared transfer papers for a lady with XXXX she states she payed him XXXX XXXX dollars for this service. I have a copy of the papers they make me the owner of XXXX XXXX dollars. The money is in Mellon bank of new York Mellon P'O.C. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX phone XXXX Mr.XXXX XXXX XXXX he has asked me for I.D . have performed every task that he has asked still no transfer of Funds. Ms. XXXX XXXX the donor offered me a percent of the fund an it was intented for the sick and homeless. Fact Mr. XXXX is in a Organization That helps people that are homeless and sick now see the connection and has been associated with Ms.XXXX  with church matters. The acronym for the Organization is ( XXXX ) this is a confict of interest on the part of him over seeing XXXX XXXX dollars. Then take into the fact he had the papers prepared for me to receive the funds. I would Appreciate your Agency looking into this matter. 
cc file XXXX XXXX By The Way Mr.XXXX XXXX XXXX is also a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am continuously receiving calls from a company called Great Lakes EDU about old school loans. I am XXXX and am no longer required to pay back the loans. I am being harassed by this entity, even after I block them ; but they still find a way to continue calling. I don't know what more I can do about it. The calls have been going on for 6 months. I have all the instances on my cable carrier. The most recent call was Friday, XX/XX/XXXX. The phone numbers from this company very. One number is ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to BB & t at XXXX XXXX XXXX XXXX Washington DC XXXX. I went to pick up a new temporary debit card Cause the permanent card was ordered but never sent to me. At the tellers window a bank employee by the name of XXXX refused to issue me a new temp card even after the bank issued me 10 without any complaint or issues about it. The temp cards expire so you are forced to renew them as well. I called customer service while there and it was discovered that the bank I went to listed above refused to reissue the card after cutting the old one in half making it impossible for me to access my account for no reason. Customer service said they blocked my account at the branch only and that it was not BB & t but only an employee at this branch that refused to remove the block for no reason. They refused to let me then withdraw money for no reason and had security pull me out of their branch when I asked them to work with customer service by phone. Im submitting a complaint to have this branch to unlock my account please have executives 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 explanation
Consumer complaint received 2020-11-06
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient automatically placed my loam into a disaster payment deferral in XXXX without my permission. I am in progress of trying to refinance my primary residence, and investment property. Although this did not impact my credit score, they placed a note on my XXXX credit report stating I am impacted by a natural disaster and that my loan payments are in deferment. I never advised I was impacted by a disaster, I never requested any assistance, but they made these adjustments without my permission. I am now dealing with questions as Im managing a refinance. I called and they apologized for placing this in a deferment status, and impact it had on refinancing. I said I want a better answer why they would do this without my permission and they could not answer this. This is highly irritating, an inconvenience and down right unacceptable they are able to make adjustments to my loan without my permission. The impact can not be undone for what Im dealing with and I cant understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted today to collect a debt and when I asked to verify the debt in writing the person refused and I was told that they had my social security number and they know where I live and where I work and that if I didnt take care of it now they were going to take care of it, one way or another. They also mentioned my sons full name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.

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 2020-05-04
Company: EQUIFAX, INC.
State: TX
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:
ALL FTC VIOALTIONS ATTACHED AND FILED TO THE FTC ABILITY RECOVERY SERVICEDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute Show 5 More Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 47 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 21 accounts, 17 potentially negative View All Inquiries show tooltip button For AccountsBy Employers 23 hard inquiries Not Disputable Online. Details Public Records show tooltip button Bankruptcies No public records reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to login to my PHH mortgage account and for several days, I get errors and can not get logged in to check payments and balance. Their phone number directs clients to login to " XXXX '' which takes the client to a page 'click here to login to our new portal '. That quickly fails with one of a few " Internal errors ''. I've tried several times today, XX/XX/XXXX, and both days last weekend, XX/XX/XXXX and XXXX. They now have no staff on the weekends and with the current virus situation, it is imperative their customer login actually works.

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 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: DISCOVER BANK
State: MN
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:
After I applied for this account, Discover agents had been trying to stop me using this account by all means. They first started with asking for me for XXXX form and State ID information. After I had submitted those forms and information, I asked an agent if the information I submitted was good, he said yes. And then a few days later, another agent contacted me and said that they could not approve my information. So I asked for the reason, she could not explain it clearly to me, just saying that you may need to reapply later.

And after Discover closed my account on XX/XX/XXXX, I called the customer service center to check what exactly happened to my account, the agent then responded with the statement that " there is a duplication of my social-security information, and the accounted was closed because we received no response from you. '' Ironically, I have never received a phone after my ever since the second Discover agent contacted me.

So I tried to reapply, but every single time, Discover declined my application for the reason that there is an existing Discover account. Honestly speaking, I don't know how Discover operate my account, but it seems that did not close my account completely. Now I could neither use my account nor reapply for it. And I also received a message that Discover had reported to the credit bureau for the forceful account close, which had significantly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: GB Collects, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
These XXXX XXXX obtain all of your debtors information, their personal information, your contracts with those debtors, the amount owed, you sign a contract with them that they counter-sign thus making it a full on contract, and then, start making up reasons to saying that they " are not a good fit for your company. '' They are incredibly lazy, do not want to do any work, want you to do all the work for them, unethical, breach contracts, and do nothing but disrupt and disorient your business and debtor collection process. Please investigate and advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I attempted to send {$370.00} to a friend at work who arranges sympathy bouquets and meals for bereaved co-workers. 

The following is the email I received from PayPal : Dear XXXX XXXX, As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$370.00} for, " Benevolence fund. '' Please provide the following information : An explanation of the reference to " Benevolence fund. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To  access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email XXXX. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal XXXX Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 


I am unaware that any financial institution or company is allowed to ask for this amount of detailed and frankly personal information for a money transfer of this small an amount. Do we live in former XXXX XXXX or XXXX XXXX? I would ask that you contact PayPal and investigate this practice XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XX/XX/2015, I purchased a XXXX XXXX from XXXX XXXX XXXX and it was financed by Westlake Financial. Two weeks after the purchase I was contacted and told that I needed to come back to the dealership and resign some paperwork. I was told that all the information was the same. I signed the paperwork and left. A few weeks later I received a bunch of calls from services looking to sell me Gap insurance. I was confused because when I bought the car I purchased Gap Insurance and told the salesmen that Gap insurance was the most important part of the deal because I had an issue years ago where a car of mine was totaled and I didnt have Gap insurance. After receiving all these calls, I called the dealership and asked if Gap is insurance was on my contract and it wasnt! The salesmen fraudulently took it off the original contract and had me sign a new contract without it. Along with the excessive interest I was charged, I was completely taken advantage of. Since then, the dealership was sued by another client and I received a settlement in the mail of a XXXX  XXXX dollars. The vehicle was eventually repossessed after 4 years due to not being able to afford the excessive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently denied my graduate student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " Midland funding '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX  XXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: TX
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 have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015

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