BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the  CEO   XXXX   XXXX   XXXX   XXXX   office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date Opened>> XX/XX/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 2022-01-04
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:
I pulled update of my credit report, dont see any changes, still this negative account on my name! I already told you before that this account is not mine! I believe that someone used my personal information

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 2021-11-16
Company: Capital Management Services, LP
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter in the mail for Collections on a checking account. Debt to be collected was valid, however they are impersonating another collections agency. Capital Management Services is the correct agency, scammers also say they are Capital Management Services. They even have the same address. Contacted my bank for the valid collections company phone number. When I spoke to the correct collectors I asked plenty of questions to verify the letter I received was not directly from them. The website listed on the letter is XXXX  When I went to this page it stood out immediately as fraudulent. Capital Management actual website for collection payments is XXXX. It looks much more legitimate. Phone numbers were different between the two as well. The letter stated XXXX, Capital Managements actual number is XXXX. The letter also used a similar logo, but not the exact same as the actual Capital Management Logo. I believe that most people will try and pay online or over the phone, so it would be easy for these scammers to take payments. They also have access to personal information somehow to make it somewhat believable. If I hadn't questioned the validity of either, I may have not paid the right collector and lost almost {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: AZ
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 have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
Experian XXXX and XXXX had all been told to contact me and did not.

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 2017-06-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
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 vehicle from XXXX XXXX XXXX of XXXX XXXX on X/XX/2017. The morning I went into the dealership, I had talked with the sales manager XXXX XXXX and asked that they have the financing paperwork ready ahead of time as I had limited time Saturday morning and was just coming in to sign paperwork and begin the loan process. Nothing was ready except for the car. The sales manager ushered me into the Finance Mgr 's office and he began the process asking me to sign on an electronic pad connected to his computer, all the while not letting me see what I was signing nor read any of the documents. When I left the dealership, the Finance Mgr XXXX XXXX, comes running out to the car with a copy of all the paperwork sealed up in an envelope. When I got home and had a chance to take my time and parce through it, they had added on every insurance, every extended warranty, every life insurance, gap protection, you name it! to the tune of an additional {$7000.00} or so! I immediately notified Toyota Motor Credit Corp, the Sales Mgr, the Finance Mgr, the general manager but not one person has contacted me except the Sales Mgr who sent me an email stating they do n't redo paperwork. I am not an attorney but this seems to fly in the face if Truth-In-Lending laws! You must be able to read what you are agreeing to before you sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Champion Mortgage says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure should be removed immediately. Yes, immediately, my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My BofA business card had fraudulent charges placed on it. I have made multiple attempts to get through to BofA to handle this by phone ( as they do not offer any online dispute requests for their business cards ), to report the fraud, to close the card, etc. Interminable hold times and often after waiting on hold just get an automated voice stating that no representatives can answer the call and to try again later. It is apparently impossible to get through to BofA by phone and they offer no other way to deal with the issue. 

I have not used this card in months. Any charges on it ( currently one charge and one credit from XXXX which doesn't even operate in XXXX XXXX ) are fraudulent and I want them removed. And I want the card closed as I do not wish to do business with BofA any longer.

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 2017-06-01
Company: RentDebt Automated Collections, LLC
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 information incorrect

Complaint:
An account for collections was opened on my credit report on XX/XX/XXXX from Rentdebt automated collections company in order to attempt to collect a debt for an apartment in which I  previously leased. The amount amounted to XXXX in total. My issue is not with the amount owe but with what the creditor is reporting. The creditor is listing this debt as a eviction which it was not. I remained in this apartment for the entire lease term and was never evicted. The balance remaining on the amount was for carpeting which the apartment had to replace, final water bill and other misc things but never for an eviction. I have disputed this case through the credit karma with the result of " Account information disputed by consumer, meets FCRA requirements. '' I have tried to explain that I am not trying to dispute the amount owed but they way the collections is reported on my credit report. I have so far paid down the balance to XXXX and have a final payment scheduled on XX/XX/XXXX.  According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed ans must be investigated and if you do not investigate and respond, the FCRA must delete the disputed information from the files. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe that my mortgage representative,  XXXX   XXXX , loan processor,  XXXX   XXXX , and underwriter misrepresented the guidelines that were required for final approval of my mortgage application and/or denied my application in part because of my  XXXX . After receiving notification that I was approved via Citi 's online application status portal on approximately  XXXX / XXXX / XXXX , I received a phone call from my mortgage representative a few days later claiming that I was denied at on  XXXX / XXXX / XXXX . The reasoning for the denial provided by the mortgage representative was that my income, as reported on my  XXXX  tax return, was insufficient. Despite having records of my income via my  XXXX , tax returns, and pay stubs for several weeks prior, Citi 's team failed to communicate this to me until  XXXX / XXXX / XXXX ,  XXXX  week prior to closing and shortly after I disclosed my  XXXX .     I disclosed my  XXXX  orientation to my loan processor,  XXXX   XXXX .  XXXX   XXXX  learned that I was a  XXXX  male through our conversations about gift funds from my significant other who is male.     As such, I believe that  XXXX  's team is disingenuous at best or bigoted at worst. I am extremely disappointed in the team 's handling of the situation and strongly believe that I was not denied my loan because of insufficient income but instead because I am a  XXXX  man.

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 2017-06-02
Company: JPMORGAN CHASE & CO.
State: GA
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:
Starting on XX/XX/XXXX, Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with XXXX and XXXX, but the results came back verified. After talking to Chase twice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all 3 bureaus. Following is the list of inquiries : XX/XX/XXXX CHASE CARD PXXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reached out to Navient on XX/XX/2019 to resolve my student loan and was told it would be in my benefit to pay XXXX $ a month for 9 months to get my student loan out of default in which I did, I spoke with Navient in XX/XX/XXXX I believe and they told me I was to pay one more payment of XXXX $ and my student loan would be out of default, and the student loan is or was out of default, now looking at my XXXX credit report it is showing that there are 19 missed payments which is not true. I have been scammed and would like to press this issue that I have been taken advantage of and Navient has participated against me fraudulently. They took my entire tax refund for 2019 after they said that wouldnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Payments come out every Thursday last one was dated   XXXX   XXXX   XXXX     My family is struggling real hard Wife has n't had a job for awhile we have  XXXX  kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm in bankruptcy I pay mortgage company and bankruptcy court the mortgage company lied to the court saying that I was  13 behind in payments I have proof of all my payments and I be letter from them stating that they applied two payments to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a car for a trip back in   XXXX   XXXX   XXXX     from   XXXX   XXXX   XXXX   XXXX  . I had the car for  two weeks. During the duration of having the rental there was a small hail storm. Upon turning in  the rental I was told that the car had hail damage. It did not hail anywhere near where I live which is where the car was located inside of my garage. When we arrived to get the rental what we reserved was n't ready. We waited 45 minutes before we even left in the rental and the car was n't gone over with us to access any damages that could have occurred while the previous renters had it. I have now received  XXXX  collections  XXXX  in the amount of {$1100.00} and  XXXX  in the amount of {$230.00} from  Trans-world Systems INC. Collection ag ency. This is n't accurate this is fraud. I am NOT responsible for the damages to the rental because it did n't happen while it was in my possession. If these collection accounts are n't resolved in a timely manner I am filing a class action law suit against the collection agency as well as   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received two CITI/ XXXX XXXX XXXX credit cards for an account I did not open. One card in my name, XXXX XXXX, one in some other person 's name who I do not know, XXXX XXXX. I called CITI and closed the account over the phone. They started a fraud investigation today, XX/XX/21. The results are pending. My point in contacting you os basic notification

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 2017-06-02
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
When it was time to start making payments in my loans salliemai would now accept lower payment amounts. They would constantly call me everyday and I would talk to them till I was blue in the face and explain I could n't send a full payment. Finally I stopped answering and now I 'm with navient. They finally agreed to lower my payments for me but it just sucks that I couldbe been making payments tho whole time if I was n't denied before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 a charge of {$290.00} generated on a XXXX  at XXXX a.m showed up on my BofA XXXX statement. It showed the merchant as XXXXXXXX XXXX XXXX AZ. I called BofA to report that I have never been to that restaurant and the charge was fraudulent. Long story short, BofA denied my claim saying the merchant provided receipts ( no signature on receipts ). I called XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AZ and spoke to XXXX. She said 1 ) they don't use XXXX  2 ) they don't open until XXXXXXXX XXXX. ( not XXXXXXXX XXXX. ) 3 ) there is no charge for {$290.00} on XX/XX/XXXX 4 ) they did not generate the receipt or invoice that BofA based their denial on. I know there is a XXXX  scam going on and I am disappointed that BofA was not aware of this. I am also disappointed that BofA denied my claim as we have had our XXXX  XXXX XXXX through BofA for over 20 years and something like this has never happened. They never even contacted the restaurant to verify the charge.

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 2022-04-26
Company: Glass Mountain Capital, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called my work phone number multiple times. The first instance my coworker answered ( before I arrived at work ) when my coworker asked for the number for me to call back they simply told her " Use the number on the caller ID '' ( Unprofessional, rude ) I called them back and let them know they were not allowed to call my business line at all. A week later ( today ) I received yet ANOTHER call from this company after telling them they were not allowed to call my work number. This is 100 % illegal. They do not speak to anyone once you tell them to not call Call dates XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: DISCOVER BANK
State: AR
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:
Discovery financial services fraudulent reporting my credit card account 30 days past late for XX/XX/2021 ; the account was never late, I have my credit card with discovery financial services set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that discovery financial services had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with discovery financial services they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the discovery financial services representative told me they were reporting falsely because the program ended in XX/XX/2021 : discovery financial services is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. Discovery financial services have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. Discovery financial services had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Intercoastal Mortgage LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good morning, Last month, I applied and received a mortgage from XXXX XXXX. Prior to apply, I asked Mr. XXXX XXXX over email, if XXXX XXXX sold mortgages to XXXX XXXX, XXXX XXXX or XXXX and he said no. I explained to Mr. XXXX that I do not wish to deal with this group based upon past performance and harassment from members of this group. I told Mr. XXXX that if they conducted business with this group, I would have to decline the mortgage. Mr. XXXX lied about his association with XXXX XXXX XXXX XXXX aka XXXX XXXX. This group steals from Veterans and falsifies credit reports. 

Today, I received a call from XXXX XXXX stating that my loan was transferred to XXXX XXXX and I discontinued the called. I am requesting a reversal of this transfer. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation