BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned a XXXX XXXX XXXX in XX/XX/XXXX. The lease was not up until XX/XX/XXXX ; however, I returned it early in connection with leasing a new vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. Both leases were through XXXX XXXX XXXX. 

The dealership promised to pay all remaining amounts due on the lease ( excluding excess wear and tear ). I received confirmation several weeks later from XXXX XXXX XXXX that no further amounts were due on my XXXX XXXX when I received the next statement that showed a XXXX  balance. 

In XX/XX/XXXX ( 5 months after returning the vehicle ), I received a bill from XXXX XXXX XXXX for {$310.00}. There was no documentation explaining why I owed this amount. I tried calling XXXX XXXX XXXX but could not get through. I left a message but no one ever returned my call. This was the first I ever heard that any amount was owed on my XXXX XXXX. 

Approximately, 3 weeks later, I received a call from a debt collection agency ( XXXX XXXX ). I explained the situation and told them that I was contesting the bill. They said they would put it in for challenge. I did not hear from any one again until XX/XX/XXXX when XXXX XXXX called me again. I once again told them that this was to be challenged and they told me they would come back to me. 

I finally received a letter on XX/XX/XXXX from XXXX XXXX. It included a description of amounts charged by XXXX XXXX XXXX and amounts paid. It ends with a balance of {$310.00} ; however, it never explains why these amounts are owed ( e.g. missed lease payment, fees, damage to vehicle ). It also claims this letter was sent to me on XX/XX/XXXX ( 4 months after lease termination ) ; however, I never received it.

On XX/XX/XXXX, I was finally able to reach someone at XXXX XXXX XXXX. They told me the amounts owed are for a missed lease payment. I explained to them that the dealership had agreed to pay all go forward lease payments. They told me " that was my problem '' and tried to connect me ( again ) to XXXX XXXX. I called the dealership and they told me that all lease payments were made. 

XXXX XXXX XXXX has submitted this issue to credit agencies and damaged my credit score.  They have also told me I owe money on a lease ( 5 months after lease termination ) but never provided me with any disclosure as to why I owe this money. They also will not even discuss this issue on the phone with me. I would like to know whether this is truly my obligation to pay and would like my credit score repaired. I would also like to make sure that XXXX XXXX XXXX provides full, adequate and timely disclosure of amounts due by their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions 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 disputed inaccurate information on my credit report with Experian. Experian responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at Experian regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). Experian never investigated so it 's clear they are willfully reporting false information on my report. Experian claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.

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 2017-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX/XXXX/XXXX my XXXX XXXX Account XXXX, with BMO Harris was closed with a balance of {$620.00}. I did an online chat with them and they said a check would be coming in the mail with 2 weeks. After 3 weeks I once again started a chat and they said to give it until the end of XXXX. Still no check. Just recently I called BMO Harris last week and was transferred over to a person who handles the checks but was not as her desk so I left a message. My message was never returned. It 's been almost 2 months and I am missing my {$620.00} from my closed bank account.

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 2022-04-06
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please help, I have disputed these items which I DO NOT OWE. This company has 12 items listed on my XXXX credit file. This is crazy

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank keeps charging me overdraft fees for things that have not been paid out yet ( the charge is still pending ) They also charge me overdraft fees out of order of occurrence. They post transactions out of order, giving me a false sense of account balance. Then they retro date transactions and take their fees and throw my account into overdraft. So any transaction that I make before they take their fees is now in overdraft after they take the fee because it is retroactively dated and pushed every transaction after that back as if it weren't enough money in the account when there was at the time of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Consumer Portfolio Services, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We obtained a loan with Consumer Portfolio Services through XXXX XXXX XXXX in XX/XX/2011. At the very beginning there was a foul up and after originally signing papers they had us come in and sign more because " something was wrong ''. Mistakenly I signed without reading and then was saddled with an exorbitant interest rate ( 18 % + ) and despite the fact that I was making the payments, which were now higher than originally expected, the balance was not going down. Then started a cycle of charges and being told by employees that I could not make payments through billpay ( which were free for me and posted to the company within 24 hours ), I had to go through XXXX XXXX each time ( {$12.00} charge per payment ). 

Eventually the car was repossessed and despite paying $ XXXX to the company ( original loan was less than {$25.00} ) I was sued for another XXXX and am now having my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
please review documentation and remove inquiries.

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 2019-07-08
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am attempting to sell my home and pay off my home loan with PHH Mortgage. PHH has been awful to work with. I attempted to obtain a pay off several times on their website, which does not work and I advised them it does not work. My attorney, under my authorization has contacted them several times over the previous several weeks and has been unable to obtain a pay off amount. It seems like they make the process difficult, confusing or technically difficult to avoid customers paying off. I am extremely frustrated and as you can see, my attorney is also. PLEASE HELP ME! We need my payoff statement faxed to my attorney at XXXX From : XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : XXXXXXX To : XXXX XXXX XXXX ; I am still waiting on the official third party payoff statement : yours was good for providing a figure, but we need the official one as a third party generated and with full remittance details. I should have had my request filled on Wednesday, or Friday, or by now this morning. I am beyond beyond frustrated with PHH and their call center. I have faxed the requests twice in XXXX, twice on XX/XX/XXXX and twice today and they refuse to acknowledge acceptance, generate a statement for me, or provide an email address so that I can ensure the faxes are getting to them. ( My fax system shows all XXXX of the requests were successfully transmitted. ) Can you call them at XXXX and ask them to fax the statement for loan nr XXXX to me at XXXX, please? I will note for my files that all PHH payoffs going forward will have to be ordered by clients. Ive spent over an hour on the phone today as well as all the transmissions and its beyond my tolerance levels. I am sure you are over it too, by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: I.C. System, Inc.
State: CA
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:
After reviewing my credit report I found a collections on my report from IC Systems Inc. The original debt that was stated on my report was from XXXX XXXX. I have never had an account with XXXX XXXX. My mailbox was broken into several times over the last 5 years. This account was open fraudulently and I contacted the collections agency several times to delete this from my credit reports. The collections agency has not delete this account yet. This is not my debt and I have never had an XXXX XXXX  account and want this collections deleted ASAP.

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 2022-04-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX. 
After many, many offers I applied for XXXX corporate revolving credit line on XXXX/XXXX/XXXX. ( ref # XXXX ) After 1 week I received letter they can not grant credit because they are unable to verify personal garantor`s identity. I found the phone number contacted them it is XXXX XXXX.They told me that they use adverse action against me because they can not verify the phone numbers I have provided.I explained them that the phone numbers I have provided been my numbers for over decade.My personal cell phone is XXXX XXXX XXXX contract phone and my home phone is landline XXXX XXXX and its still on my name. 
And I also told them that I have a credit card with XXXX XXXX with same contact information.I offered them every possible way that they can verify my identity, even by going to any bank or store.They keep telling me that the only way to verify is a phone number, and if their system does not identify you then they turn down application. 
They act against equal credit opportunity right.They unfairly just refuse to cooperate and help consumer to verify their identity. 
When the supervisor was trying to help me she forgot to mute my line and I heard how she was talking to her colleague and they were saying that they can see my phone number in a system but they can not use it as verification. 
Eventually they just told me that they can not help me. 
Even thought I work all my life to have perfect credit, I spend lots of money on paying them interest, but today they are refusing to offer product.

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 2017-10-04
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently received a letter from LJ Ross & Associates about a debt from XXXX XXXX XXXX XXXX Michigan for a bill for my daughter, stating that I owe them for a medical bill that was unpaid. I had spoken with XXXX 's a couple different times prior to that to tell them that they submitted the claim wrong and they would need to resubmit it. I had another child last year and I met all of my out of pocket expenses with insurance so it should have been paid. Once I got this communication from LJ Ross, I called them in regards to it. They told me to contact XXXX 's about the dispute. The visit in question was an emergency visit for my older child. She was experiencing a significant number of XXXX XXXX, which we have sine had XXXX at XXXX 's to correct. The emergency room visit was coded as " XXXX XXXX ''. Insurance does not recognize this as an emergency and that was not the reason that we were there. We came because it was late and my daughter suffered from multiple, painful XXXX XXXX I talked to XXXX 's and they told me that any new disputes had to go through LJ Ross. I contact LJ Ross another day and they tell me that they can not do anything and that I have to speak to XXXX 's about this wrong diagnosis code. I call XXXX 's back and explain the situation on another day and the representative hangs up on me. This is not the first time that this has happened. It takes alot of time to call these places in the middle of the day, when they are open and you are working but you get nowhere. Between 2 hour insurance holds and the games that the hospitals/collection agencies play, you are between a rock and a hard place. The XXXX that happened in XXXX was fully paid for because I met everything with insurance once having my newest addition. This is absurd that i have to keep fighting with them about these things but they wo n't help or investigate. Then, this week, I find that they have now put this on my credit report and I am seeking to resolve this asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lender is one of a growing number which appears to be subjecting penalties targeting XXXXs who invoked forbearance protections in violation of VA Circulars not limited to XXXX, XXXX, the Cares Act, and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principal, seasoning of the loan does not apply per 38 USC 3709 ( d ). In XXXX I applied first for an equity line of credit. When that failed, I then applied for a VA Type II cash out refinance also in XXXX. The lender erroneously insisted because covid forbearance resulted in credit reporting suppression until XXXX of XXXX that no payments were made until XX/XX/XXXX. I explained that I continued to make payments despite forbearance credit reporting suppressions. Nevertheless, my applications where canceled because the lender insisted, I needed to make 12 months of payments for the equity line of credit. In the alternative, I would need to make 6 months of payments to obtain a VA backed refinance. 

When I explained to the lender no seasoning is required under the exception for Type II cash out refinances, my concerns were ignored, and my loan application was canceled despite superior credit worthiness. It is particularly inherently predatory and discouraging to XXXX for lenders to apply seasoning to all VA backed loans in violation of the statutory rights to the cash out refinance seasoning exceptions under 38 USC 3709 ( d ). Lenders are not allowed to consider XXXX an unsatisfactory credit risk since the Veteran received some type of Covid emergency relief. Pentagon Federal explicitly used deferred payments, or the appearance thereof based on credit suppression, as the sole reason to deny credit. This per XXXX XXXX by telephone and memorialized shortly thereafter by email seeking confirmation on XX/XX/XXXX. Even though I tried to reason with the lender outside of this process, such attempts are fruitless.

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 2022-02-02
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Asked for validation of account the account has been reported as charge off but still showing a balance which is in violation of the consumer law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a balance of {$100.00} on cashapp and I cant deposit it. I thought it was because I lost my card and requested a new one.  Once I got my new card I tried to add it to the account and it wouldnt accept it. When I go to cashapp support it doesnt have a phone number for customer service. It says my account is closed and I did everything it says to do in order to transfer the remaining funds to my account and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had extensive difficulty dealing with Equifax. XXXX was by far the easiest, most responsive company to deal with, and Equifax is just completely fraudulent. Equifax not only refuses to remove inaccurate information, and once it is removed, will just place it back on there the next month, but they also would not allow me to have a Security Freeze even with an FTC report and police report. This went on for over seven months, and then, I finally spoke with someone who said they will only do it if I give them the police report AND pay a fee. That is not acceptable. However, because I am dealing with extensive identity theft, I was extorted into paying the fee. Unfortunately, I paid with my checking account, which I will not be closing because Equifax has compromised ALL of my personal data. I want the return of my fee, and I will be going to court over the data breach caused by Equifax. Had they done what I needed earlier, I would not be in this position. I hope this company goes bankrupt and we never have to deal with them again. They were always the company that had inaccurate information and would n't fix it, so it is not a surprise that they would have a hack of this nature. They are consistently unprofessional, non-responsive and derelict in following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I checked my credit report to find that Bank of America is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from Bank of America to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and 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 explanation