BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Went to purchase a vehicle at a XXXX dealership. I was approved for a lease with Toyota, and left with the vehicle. The next day I received a call that stated they were not able to secure the loan with Toyota as there had been a negative outcome to my last loan with Toyota. I was told that if you ever default on a loan with Toyota they will NEVER finance you again. To me this is a classic example of overt discrimination, as the default was in 2010. I have a reestablished credit history, to show that I am in a better financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on XXXX credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had a bank account with Bank of America and their predecessors for more than 40 years. My bank account does not reflect electronic funds in the amount of {$440.00} which was supposed to be directly directly deposited in my checking account. I will attach email sent to me by XXXX announcing such payments by XX/XX/2017 but no money ever appeared in my bank account. I will also attached picture of activities in my Bank of America account for you to verify that no money ever appeared as announced in the attached email. 
I have already emailed XXXX to further investigate this matter at their end but I believe is Bank of America ' illicit behavior what has been causing me loss of my money and credit worthiness. They have acted without any supervision or accountability for mistreating and taking advantage of consumers. 
I had a similar problem with Bank of America last year when I filed a complaint against them and I am still waiting to receive an answer. 

I hope you enforce the law in organizations defrauding people like me that I am a provider being pushed into bankruptcy due in part to Bank of America. They are have continued disposing of my money illegally. 
The Individual appointed by the bank to do the investigation from the complaint filed last year never returns my phone calls or responds to my request to set up a phone appointment. She knows full well I am a provider and ca n't answer phone calls while providing care. 
Bank of America 's negligent and dismissive response to my previous complaint when funds were not paid as scheduled and future payments, not scheduled by me replaced, the one never sent to XXXX. I am currently paying 26 % in interest as a result of this matter. Bank of America 's behavior demonstrates inability to ensure the security of consumers hard earned money. This is serious enough to render them ineligible to perform their duties. 

I appreciate all the interest you put to my case. The amount of financial problems associated with Bank of America unaccountability and unresponsiveness are too long to describe here. 
Please advise me on the best course of action. 
You can publish my case but not my name or account number. I believe it may cause me additional consequences.

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 2016-05-04
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 associates has not answered a debt validation verification letter i submitted a month ago. Portfolio recovery associates refuses to remove a debt that is not mine and is a time barred debt according to the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Originally some one used my credit card in XXXX. I never was getting any bills. In XXXX i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In XXXX i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In XXXX i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint on cfpd website. Afterwards i got a call from XXXX XXXX from first Niagara bank and after his investigation i was told that the balance will be dissolved but he can not fix the credit report. Recently i received a collection letter regards this matter and my daughter called XXXX XXXX but he just ignored us. Please help with this matter. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent TransUnion a letter disputing an account ( XXXX XXXX ) listed on my report with TransUnion, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter TransUnion has not only violated federal law ( FCRA ) not responding within 30 days, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

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 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
My wife and I have had a credit card account with Bank of America for a number of years. Every month we pay the balance in full, and on time. 
This credit card account accumulates cash rewards. If the cash reward is redeemed and applied to a Bank of America account, there is a 25 % bonus added to the redeemed amount. 
On or about XXXX XXXX, 2015 I signed into the account online to redeem the cash rewards, which at that time was {$610.00}. My intent was to apply it to a Bank of America account, qualifying us for the 25 % bonus, for a total of {$760.00}. 
The online system would not allow me to do the redemption. 
I later learned that Bank of America had closed our account that day. They would not give us the reason for closing the account, but I assure you that Bank of America can not say that we had done anything wrong to warrant the closure of the account. 
I called the bank four times since, and they have refused to give us the rewards that we earned by using their credit card. They say that because the account is closed that we are no longer entitled to the rewards. 
Basically, Bank of America is depriving us of the rewards that we earned by using their card. We did n't have to use their card, we chose to do so because of the rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company is not being truthful! I ask for a judgement against the company for {$600.00} plus daily interest, plus punitive damages! Reason : the statement that I attached shows all the purchases plus payments! And their voice robot message that I attached, states the truth! Therefore, I pray for the company to pay me what I hope they ignorantly stolen!

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for a recertification of my IBR plan XX/XX/2016, I applied via the Studentloans.gov website, and my spouse also completed their portion of my IBR application. On the same website I applied for the direct loan consolidation via Navient as a servicer. Navient received my direct loan consolidation application but denies receiving my IBR recertification, they were submitted together and have the same application reference. Studentloans.gov has confirmed delivery of my application referenced in my confirmation emails. Navient, will not allow me to dispute their denial of application receipt, and studentloans.gov says they do n't have any further information to help my case. If I call Studentloans.gov they tell me to contact navient, and vise versa, neither will place me on administrative forbearance while this administrative issue is figured out. I submitted my paperwork and application as required by law, I qualify for IBR as does my spouse ( who has been approved - applied around the same time ( recert ) ). I have emails, and confirmation that my application was submitted. 

Application reference for DCL app and IBR app : XXXX, if i open the document with the IBR application I get reference number XXXX ... What appears to have happened is an error, at least on the part of Studentloans.gov. It looks like their application submission system did not send out XXXX separate applications. I have both forms completed ( as submitted - I downloaded today from their website ), they have XXXX different reference numbers. Navient claims they only got XXXX of the XXXX applications. Either way, they are saying they can not help me until I agree to accept the terms of forbearance ( fees, interest, and deduction of time allowed to defer ). I believe these affected loans should be on administrative forbearance until this matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and Equifax credit report. Incorrect inquiries on my XXXX is XXXX  XX/XX/XXXX. 
Incorrect Equifax inquiries are XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX Also XXXX XXXXXXXX XXXX XXXX is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have tried to work with Navient on the following issues : 1 ) The name on the loan, I am the parent and my name is on the loan. Both my son and I have tried to get this corrected for over 10 years and the information is still not updated. So I have been forced to carry this loan in my name and on my credit report. The second and most frustrating issue is that Navient will not allow us to pay this loan off without paying the interest for the entire loan in advance. Navient said that they will not allow us to pay additional amounts on the principal of the loan so to date we have paid {$14000.00} of interest on a {$35000.00} loan. When I call I am only offered forbearance which will only extend this loan. I am XXXX years old and at this rate I will die before paying off this loan. And finally my loan has been sold several times and each time payments were lost and I am not confident that the repayments were directed to the new owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was sent a solicitation by Bank of America to refinance my mortgage. I would like to do so. This would reduce my remaining 17 years to 15 years at a much lower fixed rate than my current 5.5 % mortgage. I own a full floor of a XXXX story building in XXXX originally offered as XXXX condominium units with full exclusive ownership of all adjacent common elements and we occupy it as our sole principal residence as if it were XXXX unit. It is worth approximately 8 times its value on our purchase in 1997, possibly more. Our refinance amount would be $ XXXX or thereabouts ( we do not want to borrow against any equity ). In NY state, there is a large transfer tax. However, this refinance would not be a transfer to another lender. It would just be a refinance, which BoA solicited. The fact that our floor can be used either as XXXX units or as it currently is XXXX unit, is only a positive to its value, and therefore, only lowers its risk to BoA. BoA however claims that this status ( XXXX units, XXXX of which we bought simultaneously in 1997 under condominium contract terms that make clear the optionally single use rights to the full floor ) PRECLUDES BoA refinancing for us. Whatever rule is being applied concerning the use of our real estate as XXXX units versus XXXX unit is a bogus rule, I believe, being used to obstruct us from refinancing our loan conveniently with our current lender, and to impose multiplied transactions costs on borrowers, by forcing the borrower into a complicated rigamarole, refinancing via a third party, which would entail additional agency fees. As our credit is excellent and our payment track record perfect with BoA and all prior lenders from whom BoA inherited the loan, and the property is worth about 15 times the mortgage amount, I do not understand why we the borrower should be victimized by a senseless corporate rule that has nothing to do with financial risk to the lender.

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 2016-09-29
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is regarding Citibank and a promotion that was offered via online - Promotion XXXX. The promotion was to earn XXXX XXXX XXXX XXXX after certain criteria were met ( which they were ) including opening a Citigold checking account, make debit card purchases totaling {$1000.00}, and XXXX direct bill pays - all within a certain time period. I opened the checking account via the promotional link and I called to make sure the checking account opening was linked to the promotion ( which they confirmed that it was ). I met all of the criteria and waited for 90 days for the points to post which they have n't. When I called Citibank regarding the offer they said there was no such offer in conjunction with the opening of my account. I have called and send secure messages but they refuse to give me the points which were part of the offer.

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