BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased a XXXX truck from Kia Motors in XXXX, Oklahoma and shortly after that purchase the truck was totaled in an accident. Insurance paid the truck off and Gap Insurance made up all differences. While insurance was being processed and evaluated the truck payments were still being made. All insurance and Gap money was sent to Kia finance to settle loan and pay off truck in total including payment overage. There was an overage of funds as payments continued and were made after the accident of {$2000.00} that should have been refunded to the owner after settlement. Kia Finance in XXXX TX received those funds and posted them on XX/XX/XXXX from XXXX and XX/XX/XXXX from GAP insurance. Multiple calls were made to recover funds and no refund check was issued or cut until XX/XX/XXXX with a promise of 3-5 days in mailing. No refund check for the overage has ever been received as of XX/XX/XXXX. Kia customer service Escalation team suggested that we allow them to cancel the check and reissue and that process would take another 15 days plus 3-5 days in mailing. They added there was no way to expedite that process. They were also asked if they were paying interest on the money they have been withholding since XX/XX/XXXX. They answered no, they do not do that. I am pretty sure if the situation was reversed they would expect interest. To date we have spoken to 38 people in Kia customer service in 17 weeks, no check received, had 4 promise of call back and have received none. It has been 3 weeks since they say they mailed the check and none received and the process has been 18 weeks so far with no satisfaction. Now they want another 15 days to reprocess the check and 3-5 days to get it here in the mail. My confidence lever is zero in their ability to mail a check. These are horrible business practices and extremely horrible service. They got their money back in XX/XX/XXXX along with mine and I want mine back with interest. If they were an honest company they could step outside " normal '' policy and expedite the check with interest and apology..

Company response to consumer: Closed
Consumer complaint received 2016-12-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
XXXX and Citibank opened an account for the XXXX by Citi without my consent. They transitioned the balance from my XXXX XXXX card to that account without approval. I never received a card or a bill for the account. Then they began charging me with late fees and interest. I have contacted them and requested they credit all late fees and interest. They have agreed to credit XXXX charges but would not credit the remaining {$75.00} in charges. I have paid the charges for any purchases I have made but not the late fees and interest.

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 2015-11-10
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
( 1 ) I have filed XXXX PREVIOUS complaints against GREENTREE Servicing : XXXX were in XXXX XXXX & XXXX were in XXXX for their harassing collections, lies and fraudulent practices ( 2 ) To this day they continue to fail to honor every agreement - both oral & written ( 3 ) I first began the XXXX Deed-in-Lieu program in XXXX XXXX - but had to restart it XXXX TIMES because they kept losing the paperwork, accused me of " withdrawing '' & then REFUSED to return my calls ( 4 ) At XXXX time I had XXXX different Greentree Departments/Reps calling me telling me different things - including COLLECTIONS!! ( 5 ) Finally, after PROVING with my RECORDS & TRACKING NUMBERS that THEY were the ones in the WRONG I completed MY end of the paperwork on XXXX XXXX, XXXX - I had to go thru the appraisals, lease agreement & meeting with the property management company XXXX TIMES ( 6 ) THEN I was contacted by a XXXX. & told I needed to vacate the property by XXXX XXXX ( 7 ) Greentree had told me from the beginning & ALL of the paperwork states that the 90 day lease period I was entitled to per the program rules, would NOT BEGIN UNTIL GREENTREE SIGNED THE PAPERWORK & FILED IT WITH XXXX XXXX CLERK to TRANSFER THE DEED ( after all, how can one 'lease ' property that is still legally hers? ) ( 8 ) ALSO : both ORALLY & in the WRITTEN AGREEMENT Greentree stated I would receive the {$3000.00} ReLocation Assistance AT THE TIME I VACATED PROPERTY ( 9 ) I have been out of the property since the deadline THEY GAVE ME, however, I just found out they did NOT sign and/or file the deed transfer with the XXXX clerk until XXXX XXXX! and I STILL HAVE NOT RECEIVED THE {$3000.00}!!!!!!!!!!!!!!!! ( 10 ) I have had to put all of my things in storage, I am displaced because I do not have that relocation assistance AND NOW I will have to move it TWICE. ( 11 ) I have done EVERYTHING they ever told me to do! I have answered EVERY PHONE CALL! I have followed up with them when I did n't hear from them in the allotted time frame! For example, in XXXX, when everything was supposed to be finalizing & I was trying to stay on top of it because of the previous XXXX TIMES, I tried calling both my Greentree Rep " XXXX '' and her supervisor (? - have it in my notes which are in storage ) TWENTY-ONE TIMES in less than two weeks - they NEVER CALLED ME BACK. EVER. To this day. ( 12 ) Essentially, the bottom line is : I was forced to leave my property XXXX MONTHS EARLY and I STILL HAVE NOT RECEIVED the relocation funds - which is already eaten up - I have NO RELOCATION FUNDS. ( 13 ) This company is a DISGRACE. It is horrible & demeaning. They are PROVEN LIARS and FRAUDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16
Company: Paypal Holdings, Inc
State: TX
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Adding money

Complaint:
Paypal is not allowing me to add money to my PayPal account, from a PayPal XXXX card I purchased. I have added funds from similar cards in the past. But this time, over several days of trying, I constantly get the following error code : - Sorry, the redemption of your XXXX XXXX card could not be completed at this time. Please try again, and if the problem is n't resolved, then call XXXX XXXX card customer service at XXXX. 
- My XXXX XXXX XXXX = XXXX XXXX I have called PayPal three times to fix this issue. Each time they are unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Ebay incorrectly thought there was " unauthorized use of " my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal deceptively changes it 's normal checkout so that you get signed up for their credit account, then makes it the default for eBay payments, with no notification to the user. 
Called PayPal to close account, and it 's still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.

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 2016-02-14
Company: The Regional Adjustment Bureau, Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used ebay to sell some old electronics. Without notice Paypal placed a hold on the funds in my account sent by the buyers. Paypal agreement states " Paypal may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account. '' My account has been open since 2000, I have a 100 % positive feedback. I emailed PayPal to explain the hold or why they believe my account is " high risk '' - I received NO response. Paypal agreement states " PayPal will provide you with notice specifying the terms of the Reserve '', I received no notice - I emailed Paypal asking for the terms and if future payments are held NO response. I am a long time customer, I am not high risk, Paypal just wants to collect interest on funds that do not belong t them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: Nu World Title, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I 'm filling a complaint against Nu World Title XXXX, LLC at XXXX, Florida XXXX. ( phone XXXX ) On XXXX XXXX 2016, My wife and I sign the papers for a new house at Nu World Title XXXX. The signing was very cold and not very professional and the person assign to closing was n't either. After the closing and sending the funds to the attorney we did not get our keys to house until the next following week Monday afternoon. ON XXXX/XXXX/2016 our lender from XXXX. text me on my cell phone that we had to come in to the office and sign for a new disclosure papers. Because Nu World Title XXXX, LLC used their paper for the closing. Our lending agent XXXX XXXX tried to explain what happen but we look over paper but we decided not to sign anything until we see an attorney first. The Nu World Title of XXXX, LLc use other lending papers to closing our house deal. My next step to inform the Veterans Regional office of the problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Central Portfolio Control Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
this accounts was disputed on XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, see proof in attachment investigation still in process takes more than 30 days, no any answers

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 2016-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my score.

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 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several questionable problems with my reports as in medical, credit card information and the fact that I had to purchase my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a reported open balance after the account has been paid and closed.

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 2020-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$360.00} for a XXXX XXXX  according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable 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 non-monetary relief
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have notified Transunion of the XXXX XXXX - Acct # XXXX that is reporting on my credit file. This account is either not mine or is inaccurately statused as included in bankruptcy. Please remove this account from my credit file.

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 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Asset Recovery Group, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've attempted to set up several payment plans, I never get written communication verifying that payment plan and then when I call back they said it does n't exist or that I never paid and wont set up another one. They are very rude, they threaten, the make judgmental statements about you. I 'm willing to make monthly payments but they wont make the amount something that fits within my budget and they are now saying they will garnish my paycheck without letting me make payments. They are the worst company! I do n't even know why a hospital would ever use 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
Consumer complaint received 2017-01-22
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my Experian credit report ( pulled XXXX/XXXX/2016 ), under the " Name ( s ) associated with your credit '' section, there appears a name that IS NOT mine. The name is " XXXX XXXX XXXX. '' This name does not belong to me and I DO NOT want it appearing on 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 2015-12-15
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This place calls me multiple times a day, sometimes mere minutes apart ; they will rarely leave a message. I 'm trying to work and my phone is constantly ringing. It 's a real disruption to my day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: ONLINE Information Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX evicted my ex-wife while we were separated and I had relocated to another state for work. I had XXXX knowledge of the debt until now. On my credit report they have a judgement for {$2000.00}. There is also a collection agency trying to collect {$4100.00}. I am being told that I have to pay both of these and I do n't think that is legal nor fair. I understand I am responsible for the debt and I will undoubtedly pay it. However, it is not fair of them to double report on my credit. It is really hurting me in trying to live. I can not even find a place to rent. So I have to live with friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Tower Loan of Mississippi, Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Twin sisters name, social security number, addresses, collections, phone numbers all show on each of my credit reports. During theses times of collections I was not living in the area. I am currently serving in the XXXX and proved my state of residents and identity to the credit bureau before and nothing was resolved. I am unable to receive my own credit reports due the false entries of someone else 's information on my record. I am not liable of these collections because they are not in my name or social security number. The collections just appear on my credit reports.

Company response to consumer: Closed with explanation