BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
Toyota motor credit co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, Toyota has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports Toyota has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand Toyota show me the balance and return to me what is due with proper tax forms for my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Credence Resource Management called my personal cell phone continuously. never left any messages. 12 calls since XXXX XXXX, 2016. I requested my personal credit report to confirm I have no outstanding debt collectors. Do n't know who this agency is or why they are calling, but they are impersonating an agency attempting to collect an outstanding debt.

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 2016-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I called Capital One on XXXX to try to resolve an old charged off account. The account has a balance of {$4300.00} and I spoke with a representative that offered me a " Paid in Full '' Settlement for {$2700.00} to which I agreed. Capital One emailed me a settlement offer letter. I called back with a follow up question an hour later, and the representative informed me that Capital one was withdrawing the offer because I had been issued a XXXX for this debt in 2014. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We submitted the mortgage application with Capital One Home Mortgage, we received the conditional commitment letter, and we also addressed all the conditions specified. After two weeks, the loan was denied, and the only reason from the Bank was " Do Not Offer Term Requested ''. This very irresponsible practice, and why accept my application initially, and why issue a conditional commitment letter? They can not find any fault in my loan application, my credit history and my financial status. I think the bank just want to back out their commitment and not offering me the loan. This is very irresponsible, and no one is willing to return phone calls or email inquiries from both me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
The statements are intentionally confusing and do not detail differences in payments due for purchases vs. balance transfers. They then charges interest on the purchases since the min payment ( not clear ) on the 0 % balance was not met. This is intentially misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02
Company: Commonwealth Financial 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 truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised Transunion, XXXX, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if 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 2017-02-07
Company: Creditrepair.com, Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have been charged with a fee of XXXX dollars to cancel the account at Creditrepair.com. During the sign-up process, the telemarketing agent did not mention any activation fee of {$99.00} ( I was told it is monthly subscription fee ), but now when I asked to cancel the account they came up with the idea that it is in the contract and that is how they do it. Please look into this issue and let me know if you need any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08
Company: Continental Finance Company, LLC
State: IN
Product: Credit card
Issue: Other fee

Complaint:
The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased an investment property for over {$72000.00} in approximately in XXXX. The mortgage is with Bank of America. I 've had PMI since the inception, which is fine ; however, the mortgage owed is now under {$12000.00} and Bank of America and my agreement says I need a new appraisal and if I do not obtain a new appraisal I have to continue paying PMI until the loans is paid off. I am not spending {$300.00} to {$400.00} to avoid PMI at some point Bank of America should be reasonable.

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 2016-11-29
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC bank is charging {$140.00} in overdraft fees for XXXX transactions of {$2.00}, {$3.00}, {$10.00}, and {$19.00}. There was a deposit of {$600.00} on XX/XX/2016 and another deposit of {$150.00} on XX/XX/2016. Making it so PNC had {$750.00} of my money. They stated these XXXX transactions happened between XXXX. and midnight. After speaking to a representative and they told me to make a deposit of {$140.00} before XXXX pm on XX/XX/2016 which I did. PNC bank is refusing to refund the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: BlueChip Financial
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a XXXX $ loan originaly with XXXX $ monthly payments that are due on the XXXX of the month from XXXX XXXX to XX/XX/XXXX.Now i access my online acct for spotloan it has me with owing XXXX $ and paying XXXX $ a month starting XXXX thru XX/XX/XXXX? How did my loan go from XXXX $ to XXXX $ and have n't made a payment yet?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech was sent XXXX letters and has failed to contact me in regarding helping me out with loss mitigation efforts concerning a home

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Ditech Financial LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a missed payment on a loan that is my ex-wife 's double wide. She got the double wide in the divorce. The loan company would not allow her to refinance due to her credit. The judge put an order in that no matter what her payment history was, it could not affect my credit. That has been 15 years ago and she has been late on a regular basis. The loan company has just started putting it on my credit. Please help. I have worked very hard to get my credit good, and no it is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I was in the process of obtaining a home at Regions Mortgage in XXXX XXXX, FL and met with the loan officer and discussed the terms of the loan and process. The only thing I was beyond bothered by is that they are n't a paperless enviroment and noticed while waiting that every document is in a folder and was able to notice that the cabinets were n't locked and had all my information out there. I 've asked the loan officer about this and he told me Regions is n't a paperless enviroment once loan is created XXXX folders are created XXXX for loan officer and office to reain, XXXX for processor and another for underwriter, if in that sales office they did n't have the information locked I begin to wonder how confidential my information really is if it goes to XXXX other people and locations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Netspend Corporation
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hi, This is regarding Netspend which offers XXXX dollar bonus to both the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have referred my wife and she has ordered new card and loaded that card as well with XXXX dollars. However, neither me nor my wife have received any bonus now. I can see online as well that my referral that she has loaded her card. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. We have met all the requirements for the bonus but we have not received the bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
They are contacting our Client Services Department and reaching a representative stating they are calling from Navient in regards to my student loans and asking to speak with me. This is in violation of the FDCPA and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The lender negligently failed to pay city taxes from my escrow account. Unknown to me, a tax lien was filed against my home and has now been sold to a third party. The mortgage company has stubbornly refused to deal with the situation, which arose in XXXX 2015. They respond only upon a threat of regulatory intervention, and then only to say the matter is " under study. '' Meanwhile my credit has been seriously harmed, and my home is at risk. All documentation has been provided to the lender, Loan Depot.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX/XXXX/XXXX a Sears account was reported on my XXXX and XXXX credit report. 
I do not have or ever have had a Sears credit card. I noticed the account was opened XXXX and closed in XXXX. I looked on my XXXX credit report from XXXX/XXXX/XXXX on all accounts listed open and closed and Sears was not on there .Also XXXX XXXX/XXXX/XXXX Sears was not reported. If this Sears account was closed in XXXX why is n't it reported in the XXXX XXXX and XXXX reports? from XXXX for XXXX. 
I also noticed the reports do not indicate who closed it in XXXX. In XXXX I was living with XXXX XXXX on XXXX XXXX in XXXX, CA. Sometimes he would come with me to pay my XXXX at Sears. In XXXX I unfortunately was in a short term marriage on the XXXX to XXXX XXXX. I do n't know if they had anthing to do with this, but I did call FTC to report it as possible identity theft regardless of who opened the Sears account and who closed it in XXXX. 
My XXXX report had my last name XXXX : XXXX XXXX. I also noticed that the High balance : {$99.00}, and a credit limit of {$2200.00}. The {$99.00} High balance is a very unusual odd high balance. I noticed on my XXXX account, on all XXXX of my current credit bureau reports that XXXX has " XXXX '' months reviewed, and so does XXXX, XXXX XXXX XXXX, Citibank. Is there a connection? The only connection I can think of is that I always paid my XXXX XXXX at Sears in person. 
Please help me to find out who opened and closed this Sears account. Because there was some identity theft involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called Boa customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees 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 monetary relief
Consumer complaint received 2015-10-22
Company: Netspend Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I used my Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.

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 2016-01-28
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting numerous calls a day from XXXX, XXXX, and XXXX. They never leave a message or reply when I pick up the line. I found out the company, CBE Group is a collection agency because I did an internet search of the XXXX numbers above. I have never received written communication from this agency and I do not know who they are searching for as they do not leave a message. I am complaining because they are calling multiple times a day, from different numbers. It is harassment and a violation of the Fair Credit and Collections Act to not identify themselves as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX / Navient - I went through a XXXX divorce and never missed payment until the divorce process. I used forbearance for approximately a year but was never given any other options - income repayment or other. I was told my rate could not be lowered and i have been told about a different program each time i contact them. My most recent episodes in trying to pay the loans to date so they did not hit my credit report : XXXX/XXXX/17 - told to pay a minimum of {$390.00} to stop calls and wait on being approved for alternate program without credit reporting XXXX/XXXX/17. {$390.00} went through for payment and that day on phone was told to call the following monday to enter in their XXXX for XXXX program. 
XX/XX/XXXX - Called this day as requested, was told the XXXX for XXXX program was not able to be used because i had paid the {$390.00} the prior week which brought me up to date ( the exact opposite reason i was told ) .. On XX/XX/XXXX was enrolled in an automatic debit draft program and told next payment to come out in XXXX - would bring me fully up to date and then i could pay weekly. Now again this week on XX/XX/XXXX i was called over 15 times saying my autopay did not go through ( even though i was told next payment would be set for XXXX XXXX ) and that i 'm late and acquired a late fee. Navient now has my banking information and my authorization and apparently they were going to draft out a payment for this month ( XXXX XXXX ) without my knowledge when i was told XXXX XXXX. They state that my autodraft did not go through because they entered an account number incorrectly but that is not true because they have drafted out XXXX fees in the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation