BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: Mercedes Benz Financial Services
State: CA
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 have an auto loan with MB FIN SVCS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MB FIN SVCS and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and MB FIN SVCS with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: BMW Financial Services NA, LLC
State: CA
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 have an auto loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FIN SVC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BMW FIN SVC with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late.  There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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: Problem with personal statement of dispute

Complaint:
I was divorced in XXXX 2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, XXXX ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with Experian to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TCF NATIONAL BANK
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company has sent me three different account number after I've spoken them about issues w/ my loan. I've tried logging in online to make my payment, but it does not provide me the option as there are three accounts linked to my VIN. I've tried calling the company, but I keep getting this message : " Due to high call volume we are experience longer than normal wait times. Please try you call again later '' then the system hangs up on me. I literally can not make contact w/ the company to make my payment. This is a new loan, I'm not sure what account number to mail my payment to, I can not make it online, and I can not call in to make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX  and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I created a new coinbase account on XX/XX/XXXX for business purposes, verified my ID, and now my personal XXXX account where several thousand dollars are held wont let me login. When trying to login to XXXX, it gives this message : Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX I emailed XXXX on XX/XX/XXXX and received this reply : " In an effort to more quickly respond to requests, directly emailing XXXX is no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.com/customer/portal/emails/new '' I opened a ticket at the support website on XX/XX/XXXX and have n't received any resolution.. 

I emailed XXXX explaining everything above, on XX/XX/XXXX. Still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have sent a message to the company in charge of comdata. I have explained to them that the atm made a mistake when it dispensed the money i was supposed to receive. I have not heard back from the company and the representatives keep informing me that it would take about 60 to 90 days to resolve my dispute ; please advise they have been taking longer than normal with the disputed transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal and XXXX have a service when you purchase an item called " Pay After Delivery " service which allows an ebay buyer to purchase an item and pay for 14 days after the sale. This was offered to me on XX/XX/XXXX with an agreed payment date of XX/XX/XXXX. However, sometime between XX/XX/XXXX and XX/XX/XXXX Paypal said they discontinued this feature and my payment was presented to the bank immediately. This caused my checking account to be overdrawn by {$32.00} on XX/XX/XXXX and {$32.00} additional dollars for a re-attempt on XX/XX/XXXX. I spoke to Paypal about this three times to resolve this matter. I was advised that this feature can be removed at anytime without notice, the feature is only allowed on one checking account and I had had this on two accounts for over three years, and there is nothing they are going to do. As of this filing, XX/XX/XXXX, it appears this feature is still active on both of my accounts. I have reviewed my account to make sure this is so. Also, I currently have two other purchases using the Pay After delivery feature. I would not have made this first purchase if I had known that they were not going to honor this agreement, I would not have made this purchase. I incurred {$64.00} in fee 's that I could have avoided. Anything you can do to help, would be appreciated. Please advise others of this bait and switch tactic. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
TD Bank issue a credit for my XXXX account a couple of years ago when I bought a XXXX  XXXX phone. I finished paying the loan on the phone and after 3 month I decided to cancel the premium insurance since I own the phone., At the time I closed the account on XX/XX/XXXX and paid full balance on the account, and I was told the account was closed. 
A just got a letter dated XX/XX/XXXX, telling me my account has been closed, but I I owed them {$12.00} for Premium insurance for XXXX. 
I called the bank again and asked, Why do I owed them money since I closed the account, they said that as longer XXXX doesn't closed the premium insurance, I have to pay the bank for it. I don't understand. Are they a credit card company or a XXXX company. I have called XXXX a second time to closed the account. this time I got a ticket number XXXX but if they keep billing the bank TD bank, how do you close the account with the bank. It seems to me that they are doing this purposely. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX I was advised of several high charges on my Bloomingdales store account. I contacted the fraud dept. immediately and we cancelled the store card. They would be investigating and sending a new card. Payments were on hold. I haven't used the account in over 2 years so I don't owe them ANYTHING. Another card arrives and not used but in XXXX I discover more fraudulent charges on the NEW acct. I contact them and again acct. cancelled. New card sent, under investigation, no payments due at this time. On XXXX XXXX, because I had autopay set up, they deducted full amount from my bank acct. {$3200.00}. I am still trying to get this back. I call almost once a day. They promise 3-5 business days it will be put back in my checking acct. This has been going on since XX/XX/XXXX and still my money has not been returned. I even had to fax them a copy of my bank statement to prove that they had taken the money from me. I do not feel very secure about them having my banking information. 
On XXXX XXXX I received a letter stating that they reversed the other charges from XXXX That was a day after they took the {$3200.00} from my bank. I believe these both were " inside jobs '' since it was only Bloomingdales store acct. affected, not the XXXX XXXX part of it, not the other store, XXXX XXXX, which is same XXXX. XXXX XXXX XXXX  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 monetary relief
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: MI
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 Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new Honda on XX/XX/XXXX. The sticker price on the car was XXXX and Honda financed the car with a trade in for {$41000.00} with is almost double the cars value. I was in a car accident in XX/XX/XXXX and the Honda was totaled out due to the damage. My insurance paid XXXX and gap insurance paid another XXXX and I still have an unpaid balance of XXXX. I feel Honda committed predatory lending in this case by financing a car for double its worth. They also reported me late for two months as the insurance company worked through the claim. Honda also charged me late fees. I would like Honda investigated for predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I wrote a request to correct the spelling of my name, the correct addresses and the spelling of employer. I mailed out to XXXX, XXXX and equifax XX/XX/2017. I never heard back from anybody. 
I look forward to resolving this. Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CBC Companies, 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: Account information incorrect

Complaint:
I initially contacted my creditor in which I knew I was under a program due to my financial situation. My creditor told me to contact Innovis ( who states they are like a 4th credit bureau ), and request the most recent documents from the creditors they were listing on the report. After being put on hold for several times, the representative instructed me to go back to my creditors and request the documents. I knew the company was not legit because they only reported 2 accounts and amounts were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX/XXXX Inquiry from Sep XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX. 
XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed an complaint against this company and they stated that they would move this from my credit but instead they are reporting on my credit every two weeks. This is fraud. This company has not honor what they stated in complaint number - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Credit Card Receivables Fund Incorporated
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Distressed Asset Portfolio III , LLC on XX/XX/2018 stating that I owe them a debt that they purchased and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Challenge financial services Had agreed to repair the vehilce, and continued to accept XXXX payments from me ..3 after car was impaired, I had warranty extended. They took my cash and XXXX deceived me and repossessed the car after taking my money, each time I wanted to record her calls for verification she would hang up on me ... .in effort to avoid a record of the agreements, malicious lender!! Needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called mortgage company, Freedom Mortgage, ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX( spoke w/XXXX ), and XXXX, as well as 3 emails, from company 's website. Calls were made as initial investigation into refinancing existing mortgage. Was told I would receive reply within 24-48 hours. NEVER received any response! Filed an application, online which was acknowledged, by email, on XX/XX/XXXX. No contact since. 
Feel frustration about lack of ability to speak with anyone, other than those fielding calls, at toll-free number.

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 2019-04-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 we purchased a home from XXXX 's in XXXX TN, which was financed through Vanderbilt. The house was delivered but not completed by the Seller / contractors. The mortgage company funded the loan anyway, with the statement " the house is on our Property ''. With no check and balances put in place the released the funds. Still to this day we have work to be done, damages. We are paying the lone since XX/XX/18 faithful with no resolution. I will attached documents in referance to the issues we having.

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 2018-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA.

But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I can not open up a checking account with any bank do to fraudulent in my past accounts people stealing my debit card

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, XXXX XXXX is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.

Company response to consumer: Closed with explanation