BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account received an email notification of withdrawal, but the withdrawal could not be completed. I contacted PayPal customer service several times, and uploaded the identification documents according to the customer service instructions, but the account still can not be withdrawn. PayPal customer service said : Due to system security restrictions, I need to wait, I am very angry. dishonest company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: TD BANK US HOLDING COMPANY
State: NY
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:
My credit was initially run on XX/XX/2022. I am in the process of buying a home and my mortgage lender alerted me to an XXXX report finding by " TD Bank USA/Target '', which I do not have any affiliation with. I then spoke with TD Bank Card services at that time and they said they did not have any account affiliated with my name or social security number. 

On XX/XX/2022, I got an alert from XXXXXXXX XXXX that my credit score had changed and there was credit activity outside of my usual. I was able to see that a credit card was opened under " TD XXXX '' and there was over {$9600.00} charged to the card. 

On XX/XX/2022, I spoke with XXXX XXXX XXXX and had my credit score frozen and increased security on my account. Also on XX/XX/2022, I reached out to TD Card Services directly and they were unable to locate the account using my name, social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a XXXX personal loan from one main financial the apr was a little high it says on my report I never made a payment when I did on time every month for a while until I enrolled into the clear one advantage debt relief program. The main reason I enrolled in this program was I called the next month and my balance was XXXX and some odd cents my balanced doubled in one month I felt very stupid and niave because I was very young and was trying to pay off my cards and just have one payment. I was so taken back by the amount doubling in that short of time. So I panicked and enrolled in the debt relief program. Who took my money and never settles anything and let all my accounts get severely behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2013 around XXXX in California time I was at a shopping mall trying on some clothes when I received an email alert on my mobile phone stating that a {$200.00} withdraw was made from my chase debit account. So I checked my purse and my debit was still in my possession while a withdraw was made. I called the bank to complain about the matter and they turned me down twice even though I had supporting receipts stating that I was using my debit card in a city no where near where the atm withdraw was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016 I disputed inquiries on my credit report. TransUnion sent me an updated credit file dated XX/XX/2016 with XXXX inquiries still reporting that I disputed. I have not given permission to XXXX XXXX XXXX XXXX, or XXXX to pull my credit report and I do n't know what procedures were used to get my report. As of today XX/XX/2016 the inquiries are still 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 2022-11-04
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The PayPal account can not be withdrawn. I contacted PayPal customer service many times, and uploaded my identification information. The system still does not allow me to withdraw cash. There are often problems with the PayPal system. please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Portfolio Recovery Associates , LLC / XXXX provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is harassing me and threatening me with drastic collection tactics even though I receive XXXX. I do not owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought Lexus GS 350 car from a Lexus dealership in XXXX MD in XX/XX/XXXX. At the time of the purchase the dealership also sold me GAP insurance policy issued by Toyota Financial Services at a cost of around {$700.00}. This vehicle was involved in an accident on XXXX XXXX, XXXX and as a result it was declared a total loss. XXXX, the insurance company, paid {$40000.00}, a part of which was paid directly to XXXX Bank to settle the outstanding loan against the vehicle. Between XXXX XXXX and XXXX XXXX I wrote XXXX letters to " Toyota Financial Services XXXX XXXX XXXX, XXXX XXXX, IA XXXX '' to cancel the GAP policy and make a prorated refund because the vehicle is no longer in service. Each time they responded that since you have not furnished all the information, your claim can not be settled. This is wrong because they have been given all the information and documentation more than once. I am repeating all the information here for your ready reference : Toyota GAP Agreement Number XXXX VIN # XXXX XXXX Loan Amount {$51000.00} XXXX outstanding loan paid by XXXX {$17000.00} ( The rest was paid by me ) There is no other information needed by XXXX to settle my claim, yet they refuse to take any action. 
It is my contention that the GAP policy sold to me by Toyota Financial Services was an act of Financial FRAUD. They had no intention of paying anything if the vehicle in question met with an accident. Toyota behavior is in stark contrast to XXXX which processed my claim within days of the accident. I want CFPB 's help in recovering the cost I paid for this GAP insurance coverage. Also I want the bureau to investigate Toyota for selling a fraudulent product to the consumers. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was overdue on my mortgage payment just past 30 days. Roundpoint Mortgage reported it to the credit agencies. This was back in XXXX of 2018, I contacted them in regards to having it removed from my report and they stated that it was against the law for them to do so. This negative mark on my credit is negatively affecting my credit score which I'm trying to raise. Any assistance in this matter would be greatly appreciated.

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 2015-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from Portfolio Recovery Services on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My previous vehicle, a XXXX Honda Accord was total lossed in an accident in 2010. The insurance paid up to a certain amount of the balance owed and GAP was to cover the rest. It has been 6 years and it remains as DEROGATORY on my credit file. I need help resolving this matter. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a fairly common name, XXXX XXXX. Portfolio Recovery is calling my house multiple times a day. I 've talked to them XXXX times yet they persist in calling me. At the time of this writing, the only debt I owe is the mortgage on our house, a car payment, and a couple grand on our XXXX that we will pay off this month. This company is relentless and I do n't even owe anything! I can see how the XXXX, the XXXX, or folks who do owe a debt but ca n't pay it would be hounded by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Prospect Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Prospect mortgage has had my application since XX/XX/2016 for an FHA XXXX loan only to have an FHA loan process according to the broker.. I have be in contract with the sellers with a short sale home for the same amount of time. I have received a number of contradictory estimates ... the house was initially XXXX and now dropped to XXXX. Closing cost Has been exaggerated and unreasonable and well as contact with the brokers. No phone calls seems to be accepted only emails. As there are many. They are a number of contradictory statements. Please help short sale expires XX/XX/2016. There is so much more to state there were false documents, Appraisals, and a number of other unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Navient Solutions, LLC.
State: NJ
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 am on an income based repayment plan with Navient and it was up for renewal in XX/XX/XXXX. On at least two occasions prior, I contacted Navient concerning this upcoming renewal and was told, as earlier as XX/XX/XXXX or XX/XX/XXXX, that I had to call in XX/XX/XXXX each time. At one point, I was given instructions and a payment that later proved to be incorrect to the point that I could have violated a law following them. I called in XX/XX/XXXX to renew the plan and was chewed out by the representative for not calling sooner. I sent the required paperwork via fax in XX/XX/XXXX to renew the plan. I go on today and see the payment is not income based and they claim that I never sent the paperwork in. Navient believes they can abuse and play games with customers because they have laws that guarantee that customers are forced to pay them no matter what. I am at my wit 's end with Navient and the fact I can not get consistent answers or solutions to whatever I need done concerning my loans. I want to pay them off, but I need the income based plans and I am sick of playing games with them and this " one hand not knowing what the other does ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have a payment plan set up with these people. and the all me still every single day and threaten me and are very rude in the way that they speak to me. I know that I fell behide on the loan but I am doing the right thing to try and resolve it. I asked for a supervisor and she was just has unhelp and rude has the collector. I got XXXX and lost my job I am now on XXXX and trying my hardest to do the right thing. They told me the only way that I can pay them is over the phone and with a checking account or debit card and not other form of payment will. work.. and I set up a plan yet I get a call every day 2-3 times a day and I am over them calling me all the time.. I want the calls to stop and I want them to send me a bill. I would rather speak to my worst enemy then to these people who are so rude and disrespectful in the way the handle there calls. I worked in the collection field for over 15 years before I got sick and it sadden me to see how collector today are making the collection world out to be. I would never let a collector who was under me speak to a consumer they way that I was spoken to today.

Company response to consumer: Closed with explanation