BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a  XXXX    XXXX   XXXX   on  XXXX  of  XXXX . Loan was for  XXXX . I have paid  XXXX  towards it. At first i though what ever i pay extra was going to go to the principle but then i notice i was just ahead of my payments by six months. I talked to the company and told them to fix it two weeks before end of  XXXX   XXXX  and i was  XXXX  i needed to call for the payment to be adjusted. Then i notice only half of what needed to get back was posted witch was  XXXX  out of  XXXX . For month my payments with interes t is  XXXX   is  XXXX  so i called again to question about how the adj was done i was adv that the xtra amounts were to go to the principle on the first place this was the last week of   XXXX   XXXX  , finally i got a breakdown of how they adj. So i decided to save the money and just make the regular payment on   XXXX   XXXX   XXXX  , then i see the post on my acct all the  XXXX  i payed was paid to the interest only. I contacted the company and was adv no payment has been done for 60 days. I requested a supervisor and they say no one was available i have requested a supervisor before but no one calls me back. Now i dont know what else to do. I am very frustrate getting very bad   XXXX    and is affecting my health. Please help what can i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 Westlake Portfolio Management reported an incorrect balance to all XXXX credit bureaus causing my credit score to drop. I spoke to a representative and they did nothing to fix this over the phone. I emailed the email provided and still have not received a response of their mistake. Westlake reported a balance of XXXX when my actual balance is XXXX. I lost credit points since they reported a {$190.00} increase which is false. This is the third time that Westlake had messed up my credit report and reported inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company is reporting false negative information about me to banks and credit card companies and it 's interfering with my being able to open an account. When I contact the company, they are rude, insulting, unprofessional and provide no help whatsoever. They are also very insensitive towards me and the problems this is causing. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to banks. They do n't care about anyone but themselves. There are virtually XXXX of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX   XXXX   XXXX  , account #  XXXX  was disputed then removed from my  XXXX  credit report on  X/X/2016   . It was also disputed then removed from my   XXXX   credit report on  X/XX/2016   .   XXXX   XXXX   XXXX   sold the removed collection accounts to  XXXX , account #  XXXX , and it is harming my  credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
PNC ( XXXX Ohio ) has offered me the opportunity to do a loan modification. I have worked with XXXX ext. XXXX, XXXX ext XXXX and XXXX at XXXX. They have XXXX people who work in this loss prevention department and appear to be offering loan consolidations. I have faxed, emailed and mailed the documents three times ; each time there has been an issue with it being lost, " more things are needed '' that were not mentioned and there is this weird three day waiting period for emails where nothing is ever received or found out about. It seems to me that if they really wanted to process anything they would receive the email, collect documents themselves and process them. They appear to be obscuring the process, making it difficult to modify, while in the process collecting fees of XXXX a month. At this point, they have drug their feet on my modification and collected over XXXX in late fees. I am asking them to process my modification and take some of the late fees and default charges off the account, but I am not able to follow through on the process because of lost paper work and supervisors who do not return my phone calls. I do n't feel that it is fair for me to pay all the late fees when they are obscuring the modification process and dragging their feet in the process, losing documents. There is a significant amount complaints about PNC online regarding lost paper work, organization and neglect. It appears that they are in the business of collecting fees. And they have no urgency to see something through to help their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
2016 - SPS stated XXXX was denied due to approximately XXXX dollars over the XXXX XXXX that was approved. 

I filed a complaint with CFPB. Thereafter SPS agreed to except the tender over the XXXX directly from me. 
SPS encourage me to re-apply with XXXX - I was approved a second time - SPS denied the tender again due as the reinstatement amount was over - SPS stated once XXXX funds are received I would have 7 days to tender the difference - I am and was prepared. 
SPS after a long conversation apologized for the error and stated to re-apply as your file will be flagged this time to avoid errors XXXX re-vampped application as the prior approval was less than 30 days old. 
XXXX approved within a week. 
SPS then stated I was misinformed and SPS would need to receive the funds as a whole. 
SPS on a XXXX way ( SPS/Myself ) recorded conference with a third party to confirm the instructions once XXXX release tender of XXXX SPS denies this ever happened and refuse to put XXXX representatives on the phone As the note holder in due course requesting- SPS a third party collection company - to establish relationship with master servicer Provide - actual INVOICE, who is the lender, who is the investor, a statement with a balance due, reinstatement information, payoff demand, a complete break down of all cost of postage including fed ex, XXXX and USPS XXXX Real Estate Review on property. Under the Freedom Of Information Act the information is not proprietary. 
A credit letter was sent to SPS to confirm tender of difference with more than enough funds in the account. 
SPS is denying tender to bring my account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage has been giving me the past 1 year. I have applied for loan modifications under the government and by purposefully miscalculating income. most recent request for modification was also the denied and refusing to share the data for calculations. In the past, I know from experience, they have miscalculated and grossly reduced my income so I would not qualify for any modification program. Now they are completely refusing to share the data which I have right to get. Without knowing how they came up to this decision, they are practically dishonestly leaving me completely handicapped unable to file an appeal.

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 2017-05-11
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote letters to Capital Accounts regarding a debt that I do not owe to them. I received a statement from the original company which is  XXXX   XXXX  for the amount of {$59.00}. Upon notice of this statement I sent a check through my bank for that amount. Capital Accounts had already placed this item upon my credit without any prior notice. They were trying to collect {$110.00}.  XXXX  now they are trying to collect {$89.00}. I have not received any notification from  XXXX   XXXX  that I owed any other amount than what I paid. I sent Capital Accounts a HIPPA letter that I attached as well. I do n't owe this amount and it is greatly affecting my credit as it is false information. They have sent me an itemization print out but it lists every date I have an office appointment with  XXXX   XXXX . I had insurance and have insurance so what was due after my visits were paid. How is it possible to get an statement from the original company that has the correct amount but receive false amounts from an collection agency and it can just be placed upon your credit. I have provided proof of the actual statement from  XXXX   XXXX  and a copy of them receiving the amount that I have paid in full. They failed to provide/perform the following to me : Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery is falsely reporting information on my consumer credit report that does not belong to Me. They are reporting a debt that has already been disputed and deleted from all the credit bureaus and they are adding false dollar amounts to make it look like or appear as a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In the past I have notified  XXXX  and Equifax that I have never attended college in  XXXX , Wa and I would like the student loans that are from   XXXX   XXXX   removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote in  XXXX  with specific issues I wanted the credit bureaus to investigate. They never investigated. Never responded at all. None of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was double billed by XXXX for XXXX when I ask to see results of the XXXX was ignored eventually the sent it to collection agency that also ignored repeated requests to see results from this test to prove it was a different XXXX not double billed ignored and place on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received multiple phone calls from  IQ  data international regarding a debt owed from an apartment complex. I have asked for verification of debt, as well as written documentation stating what I owe. Representative states that they have sent multiple letters to my address, which they have not because I have not received on single letter. Advised that I will not pay until the debt is validated and I receive information showing what it I owe as I feel the amount they are asking for is outrageous, and I am not clear exactly what I am being charged for. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. I need written verification and validation. If this can not not be done in a timely matter, this item needs to be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am opted out of overdraft protection at BB & T. I have been charged an overdraft fee on numerous occasions, even as i have been opted out of all overdraft protection for over 30 days. I would like to launch a formal complaint against BB & T charging me when i have not authorized overdraft fees.

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 2017-05-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- On XX/XX/XXXX, I submitted my monthly mortgage payment through SLS 's website. The payment amount requested was {$75.00} more than usual. The site included no explanation for the extra charge. To avoid adverse action, I paid the amount requested. - On XX/XX/XXXX XXXX XXXX., I called SLS 's customer service line ( XXXX ) to request more information about the fee. I was told only that it was an attorney fee, and the representative was unable to provide any further information. I informed the representative that I was disputing the charge and asked that, if it was valid, that they provide the relevant portion of the mortgage contract authorizing the charge. I was told to e-mail a dispute to XXXX, which I did at XXXX XXXX the same day. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed that they had not received it. This time, I was asked to send my dispute to XXXX, which I did at XXXX XXXX. The representative expressed confusion that she was still not seeing the e-mail and said she would call me back in approximately 20 minutes. She never did. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed for the first time that they did not consider e-mails an official written dispute and was asked to fax a request to XXXX. After further review, however, the representative informed me that the charge had been transferred over from my previous mortgage provider and that I would have to pursue the matter with them.

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 2017-05-11
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I received over  28  calls from  XXXX   XXXX  bank. This is not the first time I have received repeated harassing phone calls from them. This is the third time I have spoken with them warning them this is in violation of the FDCPA and yet they continue this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC closed out my checking account back in XXXX of XXXX. They sent no letter or explanation as to why and took {$170000.00} of my money. As of Friday XXXX XXXX, XXXX there is a small balance in the account but it is still open and there is a hold on it. I want to know how a bank can get a way with this. Giving a customer no reason as to why they are closing the account by way of XXXX CLAIMS DEBIT. I called several times and asked for an explanation and never received anything. ( I have enclosed a copy of the last statement of the checking account showing the withdrawal. )

Company response to consumer: Closed with explanation