BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I financed a car through Westlake Financial back in XX/XX/2014 with a very high interest rate and monthly payment. I am in the process of refinancing that loan through my credit union ( XXXX XXXX XXXX XXXX XXXX  ) with a much lower interest rate and monthly payment. I have worked on my credit and paid the high car payment on time for 3 years and am now in a position to be approved for refinancing which was always my plan with this car loan. I have been calling Westlake Financial for almost 2.5 weeks and had very poor customer service and been give different information from everyone I have spoken with. I even spoke to a lead supervisor named XXXX XXXX and she was very rude and rushing me off the phone. I need a front and back COPY of the title to my car, in order for credit union to refinance. Westlake Financial is giving me the run around and saying they do not release that type of info. Basically, Westlake Financial is preventing me from refinancing my car at a lower interest rate and monthly payment by not providing my credit uinon with just a front and back COPY of the title to my car which is needed by the credit union to verify the car has no other lean holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ID Analytics, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
-Improper use of your report ( shared without consent, credit inquiries from unknown sources ) -Unable to get your credit report or credit score -Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) I have been working on my credit for the past year and a half and I am very proud to say that credit score for all three credit bureaus have really jumped up into the high 600 's. However every time I apply for a car loan I am denied. It is due to the company Sage Stream LLC reporting incorrect information and saying that my credit score is only XXXX. This is very disappointing and unprofessional as they say they work very closely with the three major credit bureaus however the information the release of me does not reflect that and it is causing damage and false information on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Ability Recovery Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While reviewing my credit report, I noticed this debt collector reporting wrong information damaging my credit. I have never heard nor received any correspondence from this debt collector. Instead, they have been reporting this debt on my credit.

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 2019-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Bank of America preffered checking account. I deposited a check ( from my XXXX checking account ) into my Bank of America checking account on XX/XX/2019. The bank has placed a hold on my check deposited until XX/XX/2019 ( for about 8 business days ). Their policy says they can hold my deposits for 2- 5 business days ( on their mobile app and their website- link below ) and upon calling they said it is upto the bank how many days the hold is for and they said their new policy is to hold deposits for 7 days. There is no policy document that I have from the bank that says that they can hold my money for that long that the bank made available to me. 
They said on the phone that since the deposit is from a new account they can not release my money. Their policy does not state anything like that. 

https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/

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 2019-02-16
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Told them to stop calling me at work XX/XX/19. 
Was told by them in a threatening manner that they will continue to contact me at work. Called Me at work XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion File # XXXX XX/XX/XXXX Employment Data Reported : Employment information is not right I have listed the correct employment that should show. Transunion keeps putting or has wrong information or Employment missing. I have also attach 2 companies I work for the past 2 years that's not showing and I uploaded a current XXXX XXXX XXXX XXXX Current Position on all Employment XXXX XXXX XXXX   XXXX Current XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX   XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past date Transunion has as Verified is incorrect because I have not work for XXXX XXXX XXXX since XXXX these are my correct Employment

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 2017-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX. I found a phone payment on my bank of America I did not make. This happened after I was issued a new card because of breech ( happens frequently ).

I talked with several people before getting. round. it took several more calls to start a dispute. No one could explained how a phone payment was made on my account. 

I am waiting for the dispute process to be completed. 

On XX/XX/XXXX. I found another charge for return check fe, because I stopped the payment I did n't make. I had to call and get it reversed. 

Bank of America seems to try and charge customers any way they can.

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 2019-02-16
Company: M&T BANK CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an outstanding debt with M & T bank and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( XXXX XXXX XXXX ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report

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 2018-04-16
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I logged into my XXXX account, I saw that my Mileage balance was XXXX. I had over XXXX miles on my account. I called XXXX ( XXXX XXXX XXXX Customer Service with Barclay Credit Cards ) immediately, and was told that my miles expired because I didn't use the card in 6 months. I was so frustrated because I pay the card monthly, so there is activity on the card each month! I was told that " payments '' don't count as activity. I am really upset, because I signed up for this card a couple years ago when I was flying XXXX, and the airline attendants that were " selling '' the card never disclosed to us that we need to use the card ( or what the definition of " use '' was according to XXXX ). The flight attendants stood there promoting and advertising this credit card, and so I applied because it looked like an attractive promotion, but they were extremely deceptive and unfair in the fact that all the terms were not disclosed to us. I called XXXX today and spoke to a representative and she told me in order to get my miles re-activated I had two options, I can purchased XXXX miles for {$25.00} or I can fly with XXXX within 2 months. That is ridiculous! I ended up paying {$26.00} with tax to get the XXXX miles so my total of XXXX miles would get re-activated. This is such an abusive and deceptive act. I want my miles credited back to me and my {$26.00} back. I don't feel that I should pay for this when the terms weren't explained to 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 2017-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Started a dispute with Capital One in XX/XX/XXXX to XX/XX/XXXX and I Told them I was having financial hardship at the time ... I contacted capital One already with the goodwill letter and they werent willing to change the status of late payments. I received a letter advising me that they were looking into it and I even contacted the CEO of the company and his assistant advised me that it would take 24 to 48 hours to hear something back still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I learned that Seterus had started foreclosure on my home. I did not receive a phone or letter. 

I only found out by calling on a status of a payment that had not been credited to my account. 

I had paid this loan late but always made consistent payments. I sent in two payments in early XXXX, on XX/XX/XXXX, but the company returned them. 

I have until XX/XX/XXXX to bring the loan current. My concern is the failure to be notified. I did receive some mail from the company, but not an official notice telling me the property was in foreclosure. 

This is wrong. It doesn't matter what the company has done to help, or my loan is modified. It's just wrong, and it is not ethical.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower, XXXX XXXX Account # XXXX, Account holder not the borrower US BK XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX  Account # XXXX, Account Holder Not the borrower XXXX Account # XXXX Account holder not the borrower XXXX  Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX  Account # XXXX, Account holder not the borrower XXXX XXXX Account # XXXX, Account holder not the borrower XXXX Account # XXXX Account holder not the borrower XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # XXXX, Account holder not the borrower XXXX XXXX XXXX Account XXXX XXXX, Account holder not the borrower XXXX Account # 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
Consumer complaint received 2018-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please reference case XXXX and credit Acceptance account XXXX. Bi received a letter from Credi Acceptance legal aid XXXX XXXX. As a result we were placed in a do not call list with Credit Acceptance. But they denied any other wrong doing which is expected from such people. 
The issue at hand is my wife has called two days in a row trying to make the payments and the representatives proceeded to verbally harass and abuse my wife. She started calling 3 days after the due date to make this payment and the recording we have on hand prove the abuse and just downright ugliness we have to endure when calling. Todays date XX/XX/2018 she calls again to make the payment and she gets off the phone in tears from the verbal assault. This is the absolute last time I report this information. Next time I am suing Credit Acceptance because we have the recording now of their abuse Ive nature to people who actually pay. I got on the phone today with a manager named XXXX and she was extremely apologetic. I made the payment and foretold her of the actions getting ready to be against credit Acceptance. They have been sued so many times due to their actions and this time those cases will be referenced and show a history of abussive communications.

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 2021-07-06
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:
Hello, I kindly ask you to delete these accounts because I do not recognize them and they are not mine at all. Suddenly they appeared in my profile so basically this is an error in reporting or I became a victim of identity theft. I do not accept it because its killing my score. SO REMOVE THEM

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 2021-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I notified checking account withdrawn {$140000.00} without my signature on XXXX XXXX the bank cancelled my request without my signature or admission on XX/XX/2020. 
My attorney called and letter to the bank to redeem for {$150000.00} on XXXX. 
My attorney called and letter to the bank to Reopen Claims {$150000.00} on XXXX XXXX the bank send letter that can not re-open without declaration on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize or give any information for this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX INQUIRY DATE - XX/XX/2017 2017

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 2019-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 a letter from Capital One advising my secured credit account, and Kohls Charge Card has been canceled, due to, " Principal owner ( s ) past, present or pending legal action. '' I contacted Capital One. The person I spoke with advised she can not give me any information besides what was stated in the letter. She further advised checking my local or county court system. I asked how was the background check completed if I did not give consent. immediately her demeanor changed and she quickly ended the call. I never gave Capital One consent to c
onduct a Criminal History background check. I further checked the terms and conditions, and nowhere is stated that a Criminal Background check, is consented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
2 statements attatched. One showing a hefty XXXX  dollar fee and the other showing one below a dollar that is extremely easy not to notice if you aren't always reading every bit of your statement.

Charged me debt prot fee i never agreed to. I have filed a report once but their response was that it was all my fault for not noticing the charges. That i had been signed up since 2008 which is when i was XXXX  and jobless so WHAT IS the purpose of this fraud insurance anyways? We know though.

Either way they took my money without my permission and are refusing to give it back just because I " did not notice ''. Well, i notice now. Never used it. Didn't know it was there. I want my money back and am not going to EVER stop until I do.

If someone took XXXX   dollars from my wallet and I did not notice for awhile then found out later they dont get to tell me " Oops, you didn't notice for awhile. OH well. '' Shouldn't be hard for them to refund for money they took for free anyways.

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 2017-12-03
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The date of this collection appear on my credit on XX/XX/XXXX ; I think it was for at the month of XXXX rent for my apartment which was already paid in full after I moved out. I had no idea that I owed XXXX to my old Apartment complex however they did not even notify me by mail or via phone. I have my document of vacating my apartment without any charges on the statements of my account but now I have a collection that will stay on my credit until XX/XX/XXXX. I paid my bill and the Manager was not nice to me and she tried to threaten to damage my credit report and have me thrown off the premises or take my property with my permission. I paid my rent and the bill for a year and 2 months. They also extend my lease contract for another month to get more money out of me.

Company response to consumer: Closed with explanation