BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
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 information incorrect

Complaint:
I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

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 2015-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am receiving multiple phone calls every day from this company. They never leave a message, but continually call from multiple different phone numbers. 
This company has also called my relatives acting as a court service and left detailed messages on my relatives ' voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this alleged debt multiple times with the credit bureaus each time they allegedly verify this account is mine and reporting XXXX accurately. I have sent XXXX disputes via certified mail to Portfolio Recovery Associates as well and they have never responded or sent me any proof about the alleged debt they are reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation letter to Portfolio Recovery Services and one dispute letter to the credit bureaus. I did not receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Southern Service Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
southern collection systems have contacted me twice before XXXX XXXX, regarding a debt for XXXX. The first time they called at exactly XXXX XXXX pst and left a voicemail which registers on my phone at exactly XXXX XXXX. I requested the next time I spoke with them not to call before XXXX XXXX. However, they called again on XXXX XXXX at XXXX am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was XXXX in the Military which caused late payments to be reported on my payment history. When I was XXXX the only payments they would accept were payments made by certified check or cashiers check and they had to me mailed to the company. I mailed the certified checks on time to them but by the time they were done processing the payments they reported them late. They were not 30 days late that they are indicating on my credit report. They were only a day late at most but the checks were mailed in plenty of time from my XXXX location and the envelopes were postmarked well ahead of time before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: M&T BANK CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i purchased a vehicle from XXXX XXXX. In the first retail purchase agreement I was charged XXXX price, but I later signed another XXXX because I removed the extended warrenty. I was told that my payments were going to be reduced and signed that new agreement, yet the loan company has no record of the new agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened checking account with Citibank minimum balance of {$15000.00}. This was in XXXX of XXXX. I opened the account due to a promotion of {$400.00} for opening account with {$15000.00}. I was told I would receive bonus in XXXX of XXXX. My opening balance was specifically chosen to meet this promotion. 

I called multiple times to confirm this and spoke to MSUP XXXX in fall of XXXX. As of XX/XX/XXXX, I have still not received the bonus. I received note that the required balance is now {$25000.00}. This was after multiple phone calls. I think Citibank is engaging in fraud and scamming consumers to open accounts and then never giving bonus.

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 2016-02-09
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have submitted cases against Citibank previously since XX/XX/XXXX. Unfortunately Citibank continues to keep disrespecting me, causing my payments to continue, continue and continue.The closed account I 'm paying on is XXXX. 

Since I have a new computer the scanning mechanism is not working yet. Citibank lost XXXX of my fall payments XX/XX/XXXX. I faxed copies of the checks they cashed on XXXX XXXX, XXXX. To date they still have not recovered the lost check ( s ). Citibank and I had reached an agreement to settle the account in now in XXXX XXXX, but due to the lost checks that wo n't happen. 
In XXXX XXXX I had to fax the copies of the checks to the XXXX Investigation Unit. They were not found. Now I was told to contact the Office of the President of Citicorp Credit Services re : the lost XX/XX/XXXX and XXXX XXXX payments which are {$130.00}. I want them out of my life, but Citi continues to keep me dangling. Why Citibank?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Aspen National Financial, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had purchased a timeshare property from XXXX XXXX XXXX in XXXX Colorado I was unable to get reservations no spots were available and they did not do anything to accommodate my vacation schedule they ruined my vacation and my relationship with my boyfriend I feel they are selling more timeshares then they have space to accommodate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Creditors Specialty Service Inc
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
received a letter from Creditors specialty service. They disclosed all my information to my boyfriend. Talked to my boyfriend without my permission. Creditors Specialty Service gave my info to a third party. XXXX XXXX did this. I was calling to ask for verification of this debt, because I do n't think its mine and he kept pushing me to pay for something that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice for an account that is unknown to me, requested verification and received just a statement which provides me with no kind of evidence. Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to lower my payments, or put my loans in forbareance for months, and every time I call customer service they tell me to find the paperwork online. When i go online, the website tells me to call customer service. I 've been on the rin around for months, and I 'm at the point where i dont evenw ant to pay them back. It 's so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
okay I missed a payment that was due on XXXX and representative from consumer portfolio services her name was XXXX and I told her that I would make the payment at the end of the month because I work for the state and we are paid once a month at the end of each month and she demanded that I give her my banking information and I told her no I would go on there website and submit my payment but she kept trying to get the information from me. I never told that I would not pay them just that I was n't given her that information, since that time I have received XXXX calls XXXX to my job and XXXX to my cell phone can you please ask them to stop calling me at work and on my phone thanks..phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning Our home is located at  XXXX   XXXX   XXXX .  XXXX  The loan was transferred from  XXXX   XXXX   XXXX   XXXX  to  Litton then To Ocwen. This  was not documented in the Court.   During the Transfer the Incorrect amout was documented.   We have asked  Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter   XXXX  Hearings in  XXXX . They did not start enforcing the amount until  XXXX . We questioned the  Statute  of Limitations for collection of The debt, they would n't respond. I have been in  XXXX   XXXX  for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in  XXXX    XXXX   and will not have An income until  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have the Bank of America Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.

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 2015-07-08
Company: Russell W Richardson, Attorney at Law
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received phone call from XXXX XXXX XXXX XXXX stating that they were DFC legal services and that my wife owes them money from10years ago. We contracted the actual company that she owed money to and they said that the debts so old that it did n't to be paid and that the collection had already been sold and that was n't too XXXX legal. They continue to call back even after a years worth of time and have yet too send any requested info to our address.

Company response to consumer: Closed
Consumer complaint received 2016-02-09
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint mortgage keeps making mistakes in applying my funds to additional principal. Customer service has kept me on hold waiting for a supervisor for over an hour. 
This is not the first time this has happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying a third party to submit my mortgage payments to pay off the loan faster and save me interest. XXXX XXXX through Western Union is charging a fee of {$2.00} per payment and probably another joining fee, unbeknownst to me. I want to quit being fleeced by XXXX XXXX and get my money back. They are not entitled to any money they have collected from me in over 16 years. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
in XX/XX/XXXX I paid off an old charged off debt made by XXXX and serviced by loancare service center, account XXXX, it continues to show up as an open account with {$31000.00} unpaid, I have not received a statement for over five years.

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 2016-05-09
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked on numerous occasions for my address and Name be corrected on my Credit reporting 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 2016-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent this letter to Equifax on XX/XX/XXXX, but they have not responded yet.

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 2016-02-17
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehice loan with Ally financial I 've been harassed every since they financed my vehicle. I recently received a call from Ally stating they had a repossession order out for my vehicle XXXX Chrysler 300. My payments are current but the repossession is for late charges. I have n't been receiving monthly statements for my account nor have I received any type of correspondence stating that there is a repo order out for my vehicle. I would appreciate your help with this urgent matter. I want to pay my financial obligations. I feel I 'm being discriminated against and being harassed

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 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
1 account is not mine 2 accounts I did not accept some credit cards have failed to 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 explanation