BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
This communication is in reference to the lack of response after three letters Ive sent in order to address the egregious actions undertaken by the car manufacturer financing company, during which they took possession of the vehicle by breaching the peace of my home in the middle of a global pandemic, after I had paid on time and in full all 36 payments agreed upon in the lease contract.

The country is under a National Emergency due the to the COVID19 pandemic which has impacted the entire United States, and is now the worst impacted country in the world. There is a mandatory lockdown in my state of Florida and weve been virtually told to stay home to prevent from spreading or catching this coronavirus for weeks now. 
Moreover, the US government has been trying to help those of us that have been impacted by this catastrophe that has left us without the possibility to work and earn our wages. 
Nevertheless, the car company has a financial arm that found nothing better than leaving me without transportation during these critical times and as though that were not enough, its also attempting to pass a liability of $ XXXX to me in these extreme economic circumstances, despite the fact that I paid for the lease contract in FULL by continuing to refuse to work with me in order to purchase the vehicle. 
Please help me address these issues once and for all so that I can resolve this matter amicably, rather than through the legal court system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20
Company: Servis One, Inc., Titusville, PA Branch
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I spoke with 2 different reps on XXXX18. My loan was recently sold to XXXX XXXX XXXX. I've been trying for a week now to make a payment, but every time I log into their system, all my account details are blank and there's a message to contact customer service. I just assumed they hadn't gotten everything transferred over. When I finally contacted the two previously mentioned reps, they stated I had a cease and desist letter on my account from the previous servicer. I explained to them the letter just dealt with them not contacting me by phone because I got fed up with repeated reminder calls, etc. Btw, I'm not behind on my payments and I don't run behind. I just don't want robocalls. I was instructed that I can't have that request with XXXX   unless I completely remove all requests for no contact. Essentially, what they are doing is preventing me from making a payment unless I agree they can contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Binance.us has had my account locked and all my trading is disable. I can not withdraw my money or continue to trade I have sent a countless amount of tickets and the problem still has not been fixed. No real resolution just tickets stating they received my tickets. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: OK
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: Was not notified of investigation status or results

Complaint:
I submitted certified letters to XXXX, Equifax, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?

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 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We tried using our credit card, BofA, the week of XX/XX/XXXX. Started at a restaurant, was declined for about {$65.00}. I sat there and waited about 5 minutes to talk to the fraud dept. and they said there was nothing wrong with the card and it was XXXX to use, so we tried again and it went through. Walked across the hallway to a clothing store, declined again for about {$25.00}. I called from that store, on hold for about 15 minutes, they said there was no reason it was denied and to try to use it gain. We walked across the hallway to a jewelry store, again was denied for about {$600.00}, called and waited about 25 minutes this time for a fraud rep., she said there was nothing wrong with the card and I insisted to speak with someone else. The new rep said she saw that I should have received a text asking if the purchases were correct, I did not. She, like the other 4 said and insisted the card was now working and no more problems. I tried again at the next store for about {$42.00} and it was declined again, this time the fraud rep said the cards were deactivated but could not tell me by who or why but that they were fixed and I could use them.I ended up using my XXXX credit card for all the purchases that were declined except the restaurants. 
I insisted on a letter stating all my problems and why they were caused and she told me I would receive a letter in the mail with in 10 days. Of course received nothing. 
Today. XXXX, tried using our same card again, ( we have had no problems the last several weeks using it ), the card was declined again at a car wash. I called and spoke with 2 different fraud reps, saying someone had deactivated both our BofA cards, could not tell me who or why, could not give me to anyone else to talk to about why that happened again and that they sent us 2 new cards XX/XX/XXXX, when we just received a new card 2 weeks ago. They are extremely frustrating and seem to just close accounts for no reason, or at least their reps say they have have no idea why any of this was occurring.We have a $ XXXX line of credit and at the most use about XXXX a month and pay it off every month. And no matter how many times we were declined, we did not get any tects telling us, and eventualy did get 2 e mails way after the problems occurred.

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 2019-04-08
Company: Security Credit Services, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account from a debt collector named Security Credit Services that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had to leave my job inXX/XX/XXXX due to XXXX XXXX XXXX   requiring XXXX. I had to take early retirement due to the cost of a XXXX XXXX. I was then and am now on a fixed income. I contacted Toyota Financial Services prior to the due date of XX/XX/XXXX requesting an extension due to the timing of the start of retirement benefits. My extension was granted and they sent me a confirmation letter dated XX/XX/XXXX, Account # XXXX. That letter confirmed the new next due date would be XX/XX/XXXX. On or about XX/XX/XXXX I saw where Toyota was going to take the {$600.00} for the XX/XX/XXXX payment through automatic withdrawal from my checking account. I immediately called their Customer Service and was told that I needed to cancel the automatic online and I did. I was further instructed to go to my Bank and issue a stop payment on the withdrawal which I did. Apparently, the stop payment somehow changed the next due date from XX/XX/XXXX to XX/XX/XXXX. The Customer Service Agent that instructed me to stop payment did not inform me that it would change the terms of our agreement specified in the XX/XX/XXXX letter. Still struggling financially in XX/XX/XXXX, again due to the retirement benefit from SS being delayed an entire month and Toyota 's insistence I was late on my payment contrary to the agreement in theXX/XX/XXXX letter, I contacted them again.

The Customer Service agent this time looked at theXX/XX/XXXX letter and told me I was correct and it would be fixed including a change to my due date from the XXXX of the month to the XXXX of the month to allow my retirement check to be received and payment made on time. It never happened. I contacted their Customer Service again.

This time the Agent told me because of the stop payment, instructed by them in XX/XX/XXXX, the payment I made in accordance with the XX/XX/XXXX in XX/XX/XXXX was credited to XX/XX/XXXX making me a month late. Another extension was granted that I thought was suppose to straighten it all out and show me current. I will make another payment today, XX/XX/XXXX for {$600.00}. I can do no more. However, they are assessing late fees each month that I feel is unfair and not right.

I contacted them, once again when I made the XX/XX/XXXX payment on time and asked again that they fix it by 30 days so I could begin restoring my lifelong good credit. They denied my request in a letter ofXX/XX/XXXX. I am frustrated and will not allow them to assess late payment for the term of the loan which goes on for a while. I will simply give them back the car. I am on a fixed income and have no way at this time to double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I took out a VA loan through HSBC in XX/XX/XXXX. In our opinion they are the least helpful, underhanded, and most intimidating company we have ever dealt with. I will not go into the debacle of a loan modification they offered to us in XX/XX/XXXX when my husband was suddenly laid off and we nearly lost our home. What I am complaining about is a ' late fee payment ' they are assessing me. I have called customer service numerous times to try to find out why I was being charged the fee. Experience with HSBC has taught me to take notes whenever I call them, including date/time/name of agent/and what was discussed. Three times I was told that my complaint has been reviewed and the charge removed. It has not been. I have now recently received a 'form letter ' from HSBC that only advises me of what their late payment fees are and why they collect them. Well, I need to know WHICH payment they claim is late do that I can get my bank statement and other necessary documents to prove my claim. The amount is {$19.00} but I refuse to pay it unless they can provide me this information. It is important because it is their common practice to not provide correct timely information, 'back date ' correspondence, and force me to make numerous calls explaining my situation over and over again to different customer service representatives who either tell me the issue is resolved or they have submitted a ticket for review. This bank is unprofessional and the left hand doesn't know what the right hand is doing. I would appreciate your help in this matter. I am currently looking into refinancing with my hometown bank. Run far away from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Financial Business and Consumer Solutions.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I talk to XXXX college about not be able to attend school years ago on the behalf of not having wifi to take the courses. They didn't believe me enrolled me and still charged me. After I had told them that I wasnt able to attend at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For at least a 3 months ( my phone doesn't show farther back than a month and I can't remember exactly when this started ) this company has called me at least twice a day, nearly every day. It is a different number each time, increasing by one ( XXXX, then XXXX, XXXX ... ) so I can not block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX charged through XXXX a balance transfer of {$10000.00} to my mother 's citibank credit card. They also charged on both my father 's XXXX and Citi card as well but I am focusing on mother 's card in this report. I reported the fraud to Citibank and they denied the dispute. They sent me to the Dispute department who also denied my report. 
In XX/XX/XXXX I also reported the problem to the FTC, VT Attorney General 's Office, Vt State Police and the XXXX XXXX XXXX. In XX/XX/XXXX I learned that the FTC tried XXXX XXXX XXXX XXXX Case number FTC Matter/File Number:XXXX XXXX I have reported the XXXX charges again to Citibank and we heard nothing from the company for months i.e. no cc statements were sent to my parents for a period of time and the fraudulent charges and interest continued to grow. My mother just received a letter from Citi dated XX/XX/XXXX stating her balance of XXXX was sold to XXXX XXXX XXXX XXXX c/o XXXX XXXX @ XXXX XXXX XXXX XXXX, SC XXXX XXXX. So basically Citibank denied/ignored that the FTC tried XXXX and that it is documented as a fraudulent company.They then sold a bogus debt ( dollar amount ) to the debt collector. My fear is that this has gone on with CITI for 3 years and now my parents will be harassed by this debt collection company.

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 2020-12-14
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I currently have a Barclay 's Advantage Aviator MasterCard XXXX. I contacted them on XX/XX/2020 to submit a billing dispute for services I did not receive from XXXX XXXX. The two charges occurred on XX/XX/2020 and were in the amounts of {$960.00} and {$30.00}, respectively. Despite repeated phone calls to Barclay 's at XXXX, they did not credit my account while the dispute was in process, nor did they send any written correspondence to me as is typical with credit card companies. They also transfer me to different departments or to a person who I can tell is situated in another country ( confirmed as XXXX ) and will not provide their full name for me to document who I spoke with. Additionally, Barclay 's is taking over 10 business days to process ANY credits from ANY merchant. On the other hand, Barclay 's rapidly processes charges. I believe they are not complying with the Fair Credit Billing Act.

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 2017-08-01
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
On   XXXX   XXXX  ,2017 I received a letter from US Bank regarding my {$300.00} secured pre paid credit card ending in #   XXXX   that was a requested to be closed down several months prior both verbally and in writing before the balance that the credit card had in secured funds had reached its limit. US Bank is reporting a balance owed of {$160.00} that is over the {$300.00} secured credit card limit and US Bank continues to accrue interest on an account that closure was requested and now derogatory credit is being reported

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 2019-04-08
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved my services from one house to another with XXXX after we relocated to our new house as of XX/XX/XXXX. XXXX never cancelled my old account, and ended up trying to claim debts owed to an account that should have been closed and transferred in the terms of {$530.00}, including a {$200.00} " early termination fee '' ; which is interesting, considering that I was ( am ) still a XXXX customer, albeit with a new address and account number provided to me when I " transferred '' my service. I had conversations with XXXX on Friday, XX/XX/XXXX to reassert that the account should have been closed, and the account should not be in arrears. This was confirmed to me on XX/XX/XXXX. I was then contacted again by XXXX on Monday, XX/XX/XXXX, and again reasserted the fact that there was no debt owed on the account. This was confirmed by both XXXX ( Rep # XXXX ) and XXXX ( Rep # XXXX ) in the XXXX Billing department on XX/XX/XXXX. I then received a collections notice from Diversified Consultants , Inc. on XX/XX/XXXX saying that XXXX had referred me to collections for the " debt '' they said I owed on the account that should have been closed and verified no debt owed. I then disputed this collections claim with Diversified Consultants, Inc. with all of the above mentioned information. Diversified Consultants, Inc. then replied back to my dispute saying that they had " investigated and verified that the account information ... is accurate including the name listed on the account as well as the amount owed ''. I find this to be impossible, as I have multiple conversations confirming no debt owed on this account. And if it is possible, I still have no record of this debt myself, and no understanding of how Diversified Consultants verified this debt. I want copies of all information and documents used to " verify '' this debt. 
I'm now stuck dealing with a collections agent uninterested in rectifying my original collections claim, and a XXXX XXXX that has sold my " debt '' to Diversified Consultants, Inc. and has no record of my original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: United PanAm Financial Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This Vehicle was purchased XX/XX/XXXX. I asked the dealer was there any issues with the vehicle. He stated that he had it service and it was good to go. Day one of having this vehicle the check engine light kept coming on. I contacted the dealer and had me to take the vehicle to XXXX XXXX. They stated that it was the Throttle Body. They allowed me to leave it and they repaired. The vehicle was sent to XXXX XXXX   several time and issues remained. I received the vehicle back with the same issues and was took back to XXXX XXXX several times. Issues was never fixed nor did the check engine light go out. The dealer sent the truck to another service company and they found other issues. The dealer made me purchase a warranty XX/XX/XXXX( XXXX ) and it took forever to fix the vehicle and I had to rent a rental car for a long period of time. The check engine remained on. The vehicle had to have transmission rebuilt ( XXXX ). Now the vehicle is in the shop again for Engine misfire. The coil, spark plugs, wires and all have been replaces. The issues still remain. The serviceman stated that the motor and or fuel rail has been swapped out. The service man is stating that we can either get a cam shaft ( XXXX  ) or engine ( XXXX ) I still have a loan in the amount of XXXX on the vehicle. I contacted the dealer and explained the issue to him and he suggested that I purchase another warranty. I explained to him why would I do that after hearing that the motor and fuel rail has been swapped on this vehicle. I have put so much money in the lemon to where it could be half way paid off. Before purchasing this vehicle I explained to the dealer what I wanted and he promised me what I asked for. There has been issues since purchase and dealer wouldn't trade it out for nothing better. This vehicle has put me in a hardship to where I can barely pay my bills, daycare, car note, insurance and etc.

Company response to consumer: Closed with explanation