BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX my account was put on hold while trying to get a cashier 's check from my bank. The branch manager stated they're a government institution and need to vet funds sent from the government. I was a bit confused and taken back with the blatant lie so I responded the sba approved the loans which are government funds by a government institution. I couldn't believe she told me that capital one was a government institution affiliated with the sba and could make final decisions on holding loans an they're over the sba. I ask if I can make a cash withdrawal she tell me I can't until they verify where the loans came since they wasn't sent to a business account even though it clearly says lender name Sba. she tell me this is normal and verification is 1 to 2 days. We go back and forth I ask what will they need to verify she give me a number to call and explain she doesn't know and can't take documents. I call the number and XXXX is confused as me and couldn't tell me what documents he needed to verify I gave a guess will closing documents he tell me I'm the smartest person he's talked to. he gives me an email XXXX send my closing documents proving the sba approved my lender to send funds. I call the next day hit a dead end but get my case number and this XXXX XXXX told me resend the email with the case number XXXX. I continue to call and got a very rude supervisor XXXX week 2 she told me they would end our relationship and send my funds back and she was processing the return as we spoke I asked for a timeline she said she can't tell me that. After a little common sense back and forth she say she can't tell me a timeline since my case was still in review. I asked if I could speak with someone over her since she just lied to me she declined me several times telling me i can't speak with anyone over her. " There's no on over me you can speak with. '' She did let me know my documents had been received. She asked if I'd like to file a compliment I say sure and I asked for verification my account was end and verification the complaint was made she said I would get and email and have yet to get one to this day. So I don't believe she even made the complaint. We are on day 15 business day with no real answer as to why my account is still on hold no verification no timeline on when this will be over. The funds are still in my account haven't been sent back to the lender. XXXX I add they do not want them back so I've gave my lender my new bank account. These people at capital one are basically telling me nothing to bring an ounce of peace of mind just watch all the late fee rack up and business relationship ship dissolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery has been reporting a collections account with the XXXX bureaus for quite come time without my attention. To my recollection, I have never been contacted about this debt - with validation or to pay. I recently sent them a letter on XXXX XXXX for verification of debt. PRA did not respond within 30 days, therefore, I sent a letter to all XXXX bureaus PLUS PRA on XXXX XXXX to delete the account due to no verification of debt/no response within 30 days. PRA is now re-reporting the collection on my account as of the most recent check on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Offices of Stein and Meyer
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My wife received a call from an unknown woman saying they were trying to serve papers. My wife called # they gave her. A man named XXXX answered & stated he was with Legal Offices of Stien & Meyer. Told my wife that I owe money on an old account & am being sued. Told her account #, amount they are suing for and tried to get a settlement from her. Original amount was {$430.00} and trying to collect over {$1800.00}. This account was disputed through credit bureaus over a year ago and removed from my credit because creditor never replied with valid information. Man told my wife that he was looking at my credit report and it was placed back on there. I have not yet checked my own credit to verify but this is absurd! Not only are they threatening to sue, they are giving my wife information that by law they can not and trying to collect money from her. I can not find ANY information on this so called law firm and when I google the phone number ( XXXX ) it comes up with a marketing company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i mr XXXX XXXX was travelling my XXXX car no. XXXX i lost my credit card of citibank so i want to contact driver please help me out my number is 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 2016-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: AMERISAVE MORTGAGE CORPORATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the application process for a 15 year REFI loan # XXXX, for XXXX XXXX XXXX, XXXX HI XXXX on XX/XX/XXXX. I was contacted by, XXXX XXXX who emailed me a list of documents needed for my application ( I think on XX/XX/XXXX ). I believe that I submitted all that was pertinent for my application by XX/XX/XXXX. I paid the application fee of {$500.00} and awaited re-contact by Ms. XXXX to verify that I had submitted all the documentation that was needed. 
On XX/XX/XXXX I received an emailed request-list for documentation that was basically identical to the one sent by Ms. XXXX on ( XX/XX/XXXX? ) from a XXXX XXXX ; I replied by email that I would contact Ms. XXXX and comply with all items required by her as I had already submitted almost everything on the list from Ms. XXXX. I also asked Ms. XXXX who I should be working with on this application. ( She did not answer this ). 
I then ( I think on XXXX ) called and spoke with Ms. XXXX and asked her to tell me the status of my application, After some delay she mumbled that some things still needed her attention and would call me back later that day. She has not called since. I have since left her two voice mails requesting information on my application, but she has not replied. 
On XX/XX/XXXX I received another emailed list ( actually a duplicated email from the email of XX/XX/XXXX ) from XXXX XXXX. I emailed back and asked her to contact Ms. XXXX about this application. I then called Ms. XXXX and left a voice-mail asking for the status of my application. Getting no reply from Ms. XXXX, on XX/XX/XXXX I left another email request for status, ( the new interest rate, etc. ), and informed her that if I did not receive information that allowed me to believe that my application was moving forward by XXXX XXXX  EDT, that I would be demanding a refund of my {$500.00} application fee. 
It is now 4 hours passed the deadline that I gave Ms. XXXX for a status-report, and she has not replied so I have initiated a phone dispute of the fee with my credit card company. 
I claim that Amerisave loan company has very poor customer service, and may be operating fraudulently ( accepting application fees, then discontinuing performance on the application ). XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Experian Information Solutions Inc.
State: GA
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'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged CH-XXXX, Chapter XXXX bankruptcy discharged.

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 2021-01-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold an item on XXXX  and collected payment via PayPal. The buyer of the item claims the item was purchased on the account fraudulently after I had already sent the buyer the item he purchased. PayPal took the money from my account and returned it to the buyer and allowed him to keep the item. I find it highly unlikely that someone was able to fraudulently access both the buyer 's XXXX  and PayPal accounts. PayPal claims they offer seller protection but none was given in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 PRINT MY CREDIT REPORT FROM XXXX, XXXX AND XXXX, AND IT SHOW A SECURED CREDIT CARD THAT I NEVER APLLIED FOR THIS CARD BELONGS TO BANK OF AMERICA THAT WAS OPENED ON XX/XX/2019, WITH BALANCE OF {$400.00}, THIS DOSENT BELONG TO ME, IM REQUESTING A IVESTIGATION ON THIS REPORT AND I WANT THIS TO BE REMOVED ASAP AND I NEED A COPY OF THIS REPORT SEND ON PAPER 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 explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No permission was given to any consumer reporting agency to report any consumer information which is a violation of my consumer rights 15 USC 1681b ( b ) ( 1 ).

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 2016-03-01
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2016 RE : Un-Ethical Business Practices Seterus XXXX XXXX XXXX, XXXX, XXXX, XXXX Loan # XXXX Approved for {$52000.00} from Keep Your Home XXXX. Distributed to my lend Seterius Acct # XXXX Instructed by Seterus to NOT submit any payments until I receive the NEW invoice which would reflect the NEW decrease monthly payments. 
Notarized new contract XXXX 2016. 
During the reconstruct of loan, I have been invoiced showing negative balances. 
XXXX invoice had credit balance XXXX invoice had credit balance XXXX invoice had credit balance However, received a XXXX notice in XXXX this time a Notice of Default. 
We were lead to believe that funding from Keep Your Home XXXX would be applied to catch loan up current and then we would receive an appropriate invoice reflecting new payment. 
Seterus NEVER invoiced me properly, did Seterus follow appropriate guidelines in regards to processing and now invoicing me the borrow? Is this legal business practice for a lender? 
I fell behind in my loan due to a medical illness, that has left me permanently disable. Extremely stressful to be placed back into yet another stressful situation. 
REQUEST - - - I am requesting that the funding is used to COMPELTE catch the loan up to current status and then invoice me properly reflecting the new balance due. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I submitted a complaint with reference number XXXX stating that the leasing company is not issuing me my property tax refund which was charged incorrectly and had to go through abatement process. 

On XX/XX/XXXX company responded that they are still awaiting refund from XXXX, CT tax collector office, the company will issue refund, as soon as they receive it. 

XXXX Tax collector office states that they had already issued the refund in XX/XX/XXXX and the leasing company has received the money. 

Denying a tax refund on leased vehicle, which has already been issued by tax collector office shows the willfulness of the company for not issuing tax refund.

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 2021-03-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX a hiring from XXXX XXXX XXXX. They told me about a job offer and that we could schedule the interview over XXXX. We then had a text interview where I was eventually hired and told I would be receiving a check to pay for my work supplies. I received a check on XX/XX/XXXX totaling {$3400.00}. I was then told to deposit the check and send what was available which totaled {$400.00}. I then was left with a negative account balance. I filed a complaint and claims with Wells Fargo # XXXX and a reference number # XXXX. I also filed a police report, 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 monetary relief
Consumer complaint received 2016-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account XXXX for XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : phone ( XXXX ) XXXX is reporting as a re aged account. The original creditor account was closed in XXXX of 2008. It 's over XXXX yes old

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have put in a dispute 14 times with EQUIFAX ONLY. THEY WILL NOT FIX THE THIS ACCOUNT WHICH HAS BEEN CLOSED AND PAID IN FULL XX/XX/XXXX. 
I HAVE CALLED AND TOLD THAT ACCOUNT IS CLOSED, BUT IT IS N'T I GET EMAILS SAYING ALL FIXED BUT IS N'T. 
XXXX XXXX XXXX XXXX XXXX XXXX CLOSED {$0.00} BALANCE. STILL SHOWS OPEN AND {$9900.00} BALANCE. 
PLEASE FIX THIS ON THE EQUIFAX REPORT ONLY. TRANSUNION AND XXXX HAVE DONE THEIR WORK, BUT I KEEP GETTING CONF. # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: I.C. System, Inc.
State: VA
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:
XX/XX/XXXX I sent a letter to the 3 major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC  systems is in violation of consumer rights and reporting false information on public consumer reports.

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: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried gaining access to my free credit report for the last few years with experian and equifax to no avail I had tried just in the last 30 days and was denied. The OOW out of wallet questions that are asked have nothing to do with me so I am unable to confirm what is actually on my creit report and have no way of resolving this matter over the phone with either agency which I find to be a joke. They want me to mail, not fax oir email, but mail them all of my personal information to try to obtain my own information which I am not okay with doing. If there is a way that I am able to get this issue resolved i would love to know how since i have been unable to find out how to get this fixed on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All XXXXcredit reporting agencies have me listed as deceased. I am 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