BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a lease through Lexus Financial Services ( LFS ) for a XXXX XXXX XXXX ( payments on that vehicle were made via auto-pay ). This past XXXX, I returned the XXXX vehicle and then got a new lease on a XXXX model, also financed through LFS. 
In XXXX, I made my final payment to LFS for the XXXX XXXX ( via autopay ). Also, in XXXX, my dealership ( XXXX XXXX XXXX of XXXX XXXX ) made my first payment to LFS for the XXXX XXXX. At that point, I now had only the XXXX vehicle -- NOT the XXXX vehicle. 
In XXXX, I was sent a bill from LFS for XXXX for my XXXX XXXX ( which I expected to receive ). However, they ALSO took an automatic payment for the XXXX vehicle ( XXXX ) which I no longer had. This should not have happened. 
When I called LFS, promptly, to advise them of this, they apologized for the error and told me they would either send me a check for the XXXX or they would credit my XXXX account for the XXXX. No big deal -- all was fine, as far as I was concerned. I opted to have them credit the XXXX account for XXXX. As for the remaining XXXX balance on the XXXX account ( XXXX minus XXXX ), they said that, since the amount was negligible, they would simply tack on that small balance to the next month 's bill. ( FYI, I did, the next month, make a payment reflecting an additional XXXX ). 
Unfortunately, to date, my XXXX account has still not been credited for XXXX, despite the fact that they have retained the XXXX that they never should have taken to begin with. 
I have called literally dozens of times to get this corrected -- as has my dealership -- but NOTHING seems to get fixed. They 'll tell me it 's fixed, but when I later check the account, it has n't been fixed. This week, I received YET ANOTHER bill demanding a double payment. When I call, they threaten to send me to collections. I feel like they are trying to extort money out of me and I do n't know what to do anymore. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet home Lending told me sheriff 's sale would be XX/XX/XXXX  . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale  XX/XX/XXXX . On  XX/XX/XXXX  they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go  in.I m ade a report to local  police.This  home was at one point financed through  XXXX  and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX  .   I wa s told they purchased it back for $  XXXX  I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transunion is reporting information that certification has not been given with my consent to report any accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Your company has violated the Gramm -Leach-Bliley Act

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 2020-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried closing my biz account multiple times. It took me 3 hours to get to the agent. Once on the phone with the agent, she refused to close the account. Wells Fargo wants to keep charging me a service fee for the account that I don't use.

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 2017-10-14
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for an Associated Bank checking account via a bonus promotion on XXXX/XXXX/XXXX. The promotion terms were as follows : -Open your account with a minimum deposit of {$100.00} from XXXX XXXX, XXXX until XXXX XXXX, XXXX XXXXMake three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening - {$150.00} will be deposited into your account within 75 days of account opening after meeting the qualifications I opened my account with a {$200.00} deposit to meet the first requirement. I then proceeded to make 4 payments using the Associated Bank Online Bill Pay to meet the 2nd requirement. The first 3 bill payments were completed on XXXX/XXXX/XXXX and the fourth bill payment was completed on XXXX/XXXX/XXXX. 

After meeting the requirements on XXXX/XXXX/XXXX, {$150.00} was suppose to be deposited into my account within 75 days of account opening. Since my account was opened on XXXX/XXXX/XXXX, 75 days from that date is XXXX/XXXX/XXXX. During this waiting period, I contacted Associated Bank Customer Service several times to confirm when the bonus would be deposited. All of their representatives told me the same thing each time : that although I met the requirements of the promotion, I should expect the bonus within 75 days. 

As the 75th day was approaching, multiple reps confirmed it is highly unusual for the bonus to not have been paid out by then. When the 75th day came and went, I had not received the bonus. I contacted Associated 's customer service again several times. One representative told me I would receive a call back the next business day regarding it, but that call back did not happen. I then contacted a supervisor, XXXX, on XXXX/XXXX/XXXX who told me that the bonus was scheduled " in the system '' to be deposited either on XXXX or XXXX. As of the evening of XXXX, the bonus was not deposited. 

I contacted another supervisor, XXXX, the evening of XXXX who told me there was nothing he can do and to wait until Monday XXXX for what he hopes would be an update. It is now frustrating that I have been given the runaround multiple times. The bank acknowledges and confirms multiple times that I met the terms and requirements of the promotion a long time ago, but they refuse to follow their own terms of the bonus deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Facts : 1. Kohls alleges that I owe {$250.00} on purchases made. 
2. I have had several conversations with Kohls representatives and sent many confirming documents. 
3. On XXXX XXXX, XXXX, I made an electronic payment of {$210.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. I have proof of Payment from my back and have provided it to Kohl 's. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
4. On XXXX XXXX, XXXX, I made an electronic payment of {$32.00} from my account at XXXX XXXX. Admittedly, that payment was directed to the wrong account number ( XXXX ). It was sent to Kohls XXXX XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. 
a. XXXX XXXX acknowledges sending that payment and debiting it from my account. Attached as Exhibit B is a Proof of Payment document from XXXX XXXX. 
b. I have not received a bank credit for this payment and XXXX XXXX says it has cleared. Because it is electronic, I have no canceled check to offer as additional proof. 
5. My payments were timely, have been received at Kohl 's payment center, and debited from my accounts. In a telephone telephone conversation, Kohl 's representative advised my husband, whom I authorized, that Kohls fees and interest would be credited and suspended while Kohls finds these funds and until my XXXX checking account receives credit for the two payments totaling {$240.00}. 
7. I have issued Stop Payments for the two payments received but not credited by Kohls. This stop payment action cost me {$50.00} and, presuming the bank can stop payment, I believe Kohls should reimburse me {$50.00} in the form of credit. 
8. Once my checking account shows a credit for the two checks totaling {$240.00}, I will immediately send Kohls payment in that same amount. 
9. Until the credit is received either by the stop payment or by your discovery of where the funds were deposited I demanded in a letter that no negative credit report be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Keeps calling day and night from many different phone numbers, always 'spoofing ' my caller id. Its getting beyond XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Owen took my mortgage from GMAC when they did they took all the supposed late payments from them and and added it to the new transaction. I went through the Unemployment while that went on for 5 to 6 months. In at this point I went through a Loan Modification and that is when XXXX took over and I was never late with GMAC not XXXX time. I did n't know it would affect my mortgage history. I was never late with my payments. Not to GMAC or XXXX.How can they do this saying I was late? I had XXXX before and had trouble with them before and thank the good guy GMAC to it over. Being that late do n't you thing I would have lost my house I am still at the same address. XXXX I was diagnose with XXXX XXXX and went through many surgery 's and that is why I got help from GMAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband purchased a home in XXXX. Here the story his orginal loan was with Homecomings Bank his account was always never had one problem with this lender. Orginal loan was for {$15000.00} on a tiny house XXXX a month this included the insurance as well as taxes.The taxes on this house are only XXXX a year it the location its in. So to pay off early he was making and always has made payments of XXXX or more a month.XX/XX/XXXX it was brought to his attention when he received his monthly statement that it had changed to Gmac Bank. from the get go we would have to call in constantly because payments where being applied wrongly etc ... Then in XX/XX/XXXX a new company OCWEN takes over and it has been a nightmare ever since thats he has contacted you. They told him he had a ballon loan he did not and even so if he did the fricking house would be paid off there no way the most he could maybe owe would be XXXX if even that. When he contacted you they sent out papers but the papers they sent where there break down from XX/XX/XXXX and how they would apply it. It 's not the documents from Homecomings its just insane how much money we have paid on this place and they say basically he still owes {$12000.00} and that they are now going to foreclose. thats ruffly {$3100.00} and XXXX going to taxes then insurance for a house {$360.00}. This house is in the hills its XXXX bedroom very small and then off course you have interest which they send us every year a report and its XXXX. So taxes, insurance and interest {$1300.00}. XXXX - XXXX = {$1700.00} a year should go towards loan give or take and in 15 years that {$26000.00}. And this house he still owes {$12000.00} are they nuts he has had same bank account from XX/XX/XXXX they have every single check they ever paid them from day one and to round it comes too {$45000.00}. There no communicating with these people its they are write and no one else .... I have read numerous sitituation on line and spoke to other people invovled with this company. This is insane completely insane .... How getting away with this XX/XX/XXXX ... Someone has to do something ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
5th compliant on my mortgage company. Well finally got my escrow and monthly payment corrected which is good. But they have found another way to affect me. They are doing updated every month to the credit bureau stating I am past due 30,60,90 then couple days later update it saying I am current. I am not past due and have not been past due on my mortgage. I get a credit alert from my credit card company for any changes that happen on my credit file. I am uploaded the information for you to see what they are doing. I work my XXXX off to get my credit back on track during my bankruptcy. In XXXX my credit score was XXXX as of XXXX it is now XXXX. They know my bankruptcy is being discharged this month and I have said in all of my previous compliant I want to get away from them when it is done. So now they are affecting my credit score where as I can struck with them forever. Every month since XXXX they have been reporting wrong information on my credit file. I am at wits end with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I went into Wells Fargo Bank branch # XXXX to initiate a wire transfer for {$1200.00} I arrived at the bank, all the employees were with other customers, so I waited patiently. The manager of this branch came out from behind a closed door and offered to help, but when he found out what I needed, he stated that he doesn't do wires that often, but that he would help me. I stated that I didn't mind waiting for another employee to become available, but he insisted. The manager asked me how much I wanted to send, I stated {$1200.00}. The manager repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, The manager asked me to verify that the account number for the receiving party was correct. He then completed the transaction and the manager handed the receipt to me. The manager NEVER asked me to verify the amount. After I returned home for the evening, handed my fianc the Wire Transfer receipt, that's when she noticed that {$12000.00} was sent!!!! Not {$1200.00}. 

The following day, my fianc and i went to the branch to talk to the manager and get this wire fixed and the correct amount sent. The manager stated in front my fianc, another bank employee and me, that he sent $ XXXXMy fianc then showed the manager the wire transfer receipt. When the manager looked at the receipt and all he said was " No I sent {$1200.00} just like you said '' and once he realized the amount the manager then stated " that's my bad!! I assumed when you said this was for a loan closing, this was for a house '' and then ran off behind the door, a closed door that my fiance and I observed other employees exit and enter the bank 's main floor. The other bank employee then contacted their wire department to see if the wire can be recalled. My fiance and I was told that it could be anywhere from 1 to 6 weeks to get this resolved. I tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. 

After returning to the bank the following Monday, My fiance and I were told that the receiving bank ( XXXX XXXX  ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, I reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with me We were just told on Thursday that the receiving Bank declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible.

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 2022-03-27
Company: Social Finance, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, I started getting outrageous charges on my credit card with this company after so many of the charges happened, I was alerted and I called and let them know it wasnt me. ( as some of these were charges in other countries being made ) the rep that I spoke to said he would close that card and send me a new one and resolve the charges. I asked a number of questions as he couldnt give me any answer to or what outcome would be and just assured me it would be taken care of. Its been 60 days, I havent received a new card and I these charges are still appearing and Im being shown Im late on my payments and I cant get through to the company. Every time I call, I get a automated message that says thanks for calling sofi, were away from the phones right now. This is ruining my credit score and causing it to report over the limit. There are several XXXX dollars of XXXX charges that were never made by me so online items that say XXXX are there a few times. I dont know what else to do to get this resolved. I have tried calling every time, I have a spare minute when Im not working and I can never reach anyone through chat or by phone. I would like someone to reach out to me so this can get resolved. I really enjoyed sofi, but this is unacceptable.

Company response to consumer: Closed with explanation