BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-15
Company: World Omni Financial Corp.
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Dear Sir, Madam, I would like to file a written complaint against Southeast Toyota Finance ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ), My Account # XXXX. I had leased a XXXX Toyota Highlander from the company. As my lease term expired, I decided to take out a fixed rate loan from XXXX XXXX XXXX XXXX to pay off Southeast Toyota Financial. I requested a pay off quote from Southeast Toyota Financial and explicitly asked for the various fees to be broken out ( {$350.00} lease termination fee, {$90.00} Doc. Fee, {$480.00} Estimated Property Taxes, {$1300.00} Sales Tax, {$20000.00} Residual Value ) instead of one everything burried in one final grand total figure. I called back several times to request a break down of the pay off quote. My rationale was to be able to proof to my CPA that Sales Taxes were paid ( which I can deduct for tax reporting ), and Property Tax payment was made. As you might know the property taxes for leased vehicle is paid by the lessor and subsequently charged to the lessee. In other words I need a proof of payment indicating that Southeast Toyota received my funds, so when my local Tax Collector calls me i have a proof. It turned out that I overpaid my property taxes approximately by {$50.00} to Southeast Toyota Finance. My new lender ( XXXX XXXX XXXX XXXX ) sent over the Odometer Statement along with the check for the pay off ( {$23000.00} ). I also found that the {$90.00} documentaion fee was burried in the small print on the back of the lease agreement. I truly think that the way Southeast Toyota handled this situation was very deceptive and unprofessional. I spend several hours on the phone and they promised that the documents and the refund check will be sent out. I recived no resolultion regarding my case. I am hoping that someone can escalate the issue and protect me from predatory lending as this. Looking at the way these leasing companies are luring people into leases is very deceptive : not disclosing fees the proper way, not educating the client about the terms and conditions. 
Your kind help is greatly appreciated. 
I can be reached at XXXX. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Transworld System Inc. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Transworld System Inc. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Transworld System Inc. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Have a first and second loan with HSBC. 
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %. 
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan. 
Also have problem with first loan. 
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX and XXXX over XXXX fraudulent transactions totaling {$2100.00} posted to my American Express serve card. I reported the transactions to American Express immediately on XXXX XXXX. I submitted a claim and my card was closed down immediately. I filed a police report in XXXX on XXXX XXXX. American Express denied my claim, however there investigation was in completed and came to the wrong conclusion. They only investigated XXXX of the XXXX claims and reviewed XXXX transaction that I reported as nonFraudulent. They also did not consider the police investigation which is currently investigating the crime of id theft and grand larceny ongoing at XXXX police department ( XXXX preicident, case no. XXXX ). Furthmore American Express failed to consider that these transactions occurred in a different cityThan where I live and XXXX transactions at the same time at a gas station. Additional I was traveling in XXXX when these transactions occurred and could n't made these purchases. In summary American Express failed to investigate stolen money from my account and did n't investigate all the transactions or the correct transactions. They did not work with police investigating the crime and not supporting the police investigation. I would like my claim investigated and my stolen money returned and for American Express to work with police and examine the facts of the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, XXXX  and Transunion ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX- Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2016-10-30
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
cra hippa violation enclosed all the information inaccurate information being reported

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 2015-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
Last year my husband received orders to move to another state. I decided to use the SCRA and submitted the documentation a few months after moving. USAA, a company dedicated to serving service members " noble mission of service '' refuses to apply the Service member Civil Relief Act to my credit card account because I took my husband 's name off the account my a few months prior to submitting the request. My husband was on the account the entire time the debt of the card was incurred and therefore the debt is jointly ours. We are legal residents Maryland and although Maryland is not a community property state it is an equitable property state. So regardless, we are married, it 's a joint debt. I requested review all the way up to the highest level explaining everything and each time they denied the request to apply the SCRA and reduce our interest rate. Almost a XXXX later, I was told to add my husband back on the account and re-submit the request. The representative told me to do this, but then it was still denied, saying he was added after he went on XXXX. The Servicemember Civil Relief Act 527 section 207 a ( 1 ) of the statue, " An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a service member, OR the service member and the service member 's spouse jointly. It does not say, with both name on the account at the time of request. All of my other creditors applied the interest rate reduction and most of those, my husband was never on the account. I find this unacceptable and I am certain a case can be made that USAA is in violation and is failing to apply the SCRA in accordance to the statue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Automatic Data Processing, Inc.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I contacted ADP ( my payroll processor ) to cancel my pay-by-pay worker 's comp. insurance coverage ( provided by XXXX. 
The ADP representative sent me a cancellation form. 
On XXXX XXXX I signed and returned the form. ( See attached ) * They requested proof of other worker 's comp. insurance as a condition of cancellation. 
I forwarded the Insurance Binder as provided by my insurer ( XXXX XXXX ) - showing coverage beginning XXXX XXXX, 2016. ( See attached ) * The following Monday, XXXX XXXX - I submitted payroll and saw that NO FURTHER WORKER 'S COMP. PAYMENTS WERE CHARGED. This confirmed my understanding that the paperwork had been processed, the policy was cancelled, and that the end-of-policy audit would be conducted - at which point I would get some type of written document and/or invoice for any unpaid premium. 
This Monday, XXXX XXXX - 8 WEEKS after cancellation - I submitted my payroll, only to find that an additional {$650.00} in XXXX premium was charged and automatically deducted from my account*. I looked further and saw that approximately {$550.00} had been deducted the week before! * I immediately contacted the payroll company, and after LENGTHY DISCUSSIONS, I was told # 1 - the company never received my cancellation, # 2 - " a system glitch '' initiated the charges, # 3 - I would need to re-submit my cancellation ( which I did ), # 4 - I would need to provide proof of coverage again ( which I did - but which they said was inadequate ), # 5 - I would need to provide a Certificate of Insurance ( which I did ), # 6 - And I would have to wait approximately 30 days for the company to determine IF I would get my money back. I was not allowed to talk to a Supervisor - presumably because none were available. When I inquired which Department Head was responsible for monitoring a system that arbitrarily self-engages to withdraw funds from client accounts, I was told " there is no specific department responsible for this. ". 
I asked to speak with the representative who handled my original call ( XXXX XXXX ), but the phone rep. refused to transfer me to him. Her name is XXXX XXXX. 
Please note that I am, of course, concerned about receiving my money back, but I am MORE CONCERNED that this company is ABLE TO WITHDRAW FUNDS FROM CLIENT ACCOUNTS - FOR ONE OF THEIR VENDOR AGENCIES ( XXXX XXXX ) WITHOUT NOTICE OR PERMISSION - and seemingly WITHOUT CONSEQUENCE. THIS PRACTICE MUST BE STOPPED, and I strongly suggest that consequences be imposed to DISCOURAGE further violations of customer trust. Had we not had the funds to function following this withdrawal, the consequences for OUR company might have been severe. I ask that this be viewed with THAT in mind and that sanctions be imposed to ensure an END to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midstate Collection Solutions, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX IL XXXXContinues to send mail showing a debt from XX/XX/XXXX and XX/XX/XXXX. 

They also sent a false signature on a document from XX/XX/XXXX. 

This is NOT MY DEBT ... Also the FCRA states that any debt over 7 years old should be deleted from Credit Reports, however MSCSI continues to report this debt on my Credit File. 

I disputed this Debt with the Credit Bureau, and it continues to report on my Credit File ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Gold Key Credit that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt XXXX days in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Protection Agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last fall I opened a Citibank Citigold checking account with a promotional code XXXX which promised me a XXXX XXXX XXXX AAdvantage mile bonus if I fulfilled certain conditions : two online bill pays in two consecutive months and debit card transactions of {$1000.00} or more in the first 90 days of account opening. I fulfilled the terms of the promotion and I received multiple communications stating I would receive this bonus, but then when the time came for me to receive the bonus, I was suddenly " ineligible '' for the bonus and " denied. '' On XX/XX/XXXX I received my first communication confirming I have fulfilled the terms of the promotion and I would be receiving the promotion bonus for XXXX XXXX miles. Quoting from a Secure Message I received from Citi on XX/XX/XXXX : " I can confirm that you have completed the requirements for this promotion on XXXX/XXXX/XXXX to be eligible to receive the XXXX XXXX miles incentive. Per the promotion policy, the AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. With this in mind, you should expect to receive your miles no later than XXXX/XXXX/XXXX '' On XX/XX/XXXX I received a second confirmation that I would be receiving the promotion bonus, also via Secure Message from Citi : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. '' Then on XX/XX/XXXX I received an abrupt denial of this previously promised bonus : " Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I complained to Citi about this and requested that they at least refund me the banking fees which I had paid thus far to Citibank for the Citigold checking account. This was denied as well, claiming that I was not eligible because the promotional offer had not been " targeted '' to me. The original terms and conditions of the offer contained no such language that receiving the XXXX XXXX mile bonus was contingent on being " targeted. '' Given the promise of my receipt of XXXX bonus XXXX miles on several occasions and then an abrupt denial when the time came, I feel that Citibank has been very deceitful in its handling of this case.

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 2016-05-31
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Receiving phone calls from the National Credit Adjusters debt collection company. Their number, XXXX has come up on my work phone numerous times and I 've answered but no response on the other end until today at XXXX MST, XXXX/XXXX/2016, I received a call from this number and finally had someone on the other end, XXXX XXXX. He stated that they have called several times and when I told him that I did not recognize the creditor names and could not talk to him because I was at work he threatened to take legal action to collect on XXXX loans from pay day companies I do not recognize. He also stated that he spoke with me a while ago but I do not remember speaking with this company or the names of the loan companies he is collecting on behalf of. I asked him to send me something in writing and he insisted that they already did. I told him I could not speak with him at this time because I was at work and to please mail it again but he just kept repeating that they already mailed it and what was my plan... I hung up on him because he kept insisting and was becoming more agressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX of 2015 I received a statement from Macy 's stating that I owed {$58.00} and my minimum payment was {$88.00}. When I called Macy 's to question them about that the customer service could not help me. XXXX I got a statement saying I owed {$70.00} because there was a {$37.00} fee? I called the home office and talk to XXXX XXXX I asked the account be removed from collection and credit reinstated she informed me that Macy 's does n't make it a habit to pull back a collection or reinstate credit. I once again explained the situation to no avail she said " maybe there was a late fee or something '' I spoke with her approximately three different times with no resolution the statement even shows when payment was made. Macy 's messed up not I,. I said I would pay the {$33.00} I owed but was told to pay {$70.00} I have taken a picture of of Macy 's own website on the date I paid my payment in XXXX it clearly shows that it was paid at XXXX on XXXX XXXX statement reflects that fact. Yet I was charged {$37.00} fee. I 'm not sure how the math works that I owe {$58.00} with a minimum payment of {$88.00} and then the following month I owe {$70.00} none of it makes sense. And Macy 's obviously could make sense of it either or I would have been told it was probably a late fee or something. It 's completely inaccurate and I want it corrected. And XXXX XXXX is of no help. I would hope you could talk to someone else besides her because she is confused and making things up. Trying to protect the company. I will also be filing a complaint with the State Attorneys General office.

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 2015-06-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, CitiBank/Sears issued a Sears Mastercard to someone in my name using my social security number and a different date of birth. I had identity theft in the past and have an active 7 year alert in place with all XXXX credit agencies. The alert says to call me at my phone number before approving. Sears did not do this. Rather the agent on the phone explained that Sears used another means of validating my identity by answering some security questions from my credit report. Sears is now going to issue me the card then cancel it and credit me the approx. {$700.00} in fraud against them. 

There should be some sort of penalty or fine for companies that call the number when there is an active fraud alert on the credit record. I find it very frustrating that Citibank/Sears can approve credit in minutes but thats 45 days to remove the record from my Credit Report. It has cost me 2 hours of my day to get this resolved, and it is still not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My wife and I applied for a loan through Roadloans.com which is owned by Santander USA, we received a loan packet that give a apr of 24 % when I know the maximum loan apr for the state of Pennsylvania is 21 %. How can they get away with 3 % higher than state cap?

Company response to consumer: Closed with explanation