BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX 2013 I purchased a current year Toyota XXXX from Toyota and at the time of my vehicle purchase I also purchased the tire and oil maintenance plan with an extended warranty also. My tire & oil maintenance plan was to begin after I 've reached XXXX miles on my vehicle. For I was already covered for all of my maintenance work under Toyota 's Care plan up to XXXX miles. After reaching XXXX miles on my vehicle, I attempted to go to XXXX Toyota dealerships to have my car serviced under my prepaid maintenance plan. And I was told that I must return to the original dealership that sold me the vehicle in order to have my service covered for free. so I paid out of pocket for the maintenance service. So on my next service visit I went to my home dealership and that 's when I was told that the prepaid maintenance plan that I purchased expired at XXXX miles. I was very upset and disappointed to find out that I was a victim to fraud by the dealership and sold a maintenance plan in which I was already covered for by Toyota Care up to XXXX miles. After several attempts to resolve this issue with Toyota and XXXX Administrators in which I was asking them to reactivate my XXXX year plan starting from today and with my current miles, I did not receive any resolution. I was told there is nothing anyone can do to assist me. Now I am asking for the help of Consumer Financial to resolve this issue by activating my 2yr/ XXXX miles prepaid maintenance from today and with my current mileage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I received a purchase for my lease vehicle from Toyota Financial Services. I was give 30 days to pay.I called a couple of times to make sure that I Had the correct amount.I paid the full amount that was ask of me within that period, I than received an addition about. Next I received another letter saying that my cashier check was missing signature, they were unable to identify my account, the check they said was damaged, the written amount does not match the numeric amount.They also claimed the odometer was wrong.They also sent me back the check. There was nothing wrong with check.No damage, the amount was correct in according to the first pay off that was sent. I have not signed another contract. 
I am now receiving monthly bills. I have went ahead and paid so that my credit is now affected by this. At the time on this my credit was XXXX. My loan was paid in full, before the the pay off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Sunrise has constantly contacted me directly about an old XXXX Cell Phone debt. Today, XX/XX/2017, a family member informed me that someone called him about a debt I owe. I was n't sure who could be calling him about my debt. I asked for the number, and when I called the number from my phone, the voice recognition unit ( vru ), asked that I enter the number that was called from their business. I entered his number, and a Representative asked me to confirm who I was. 

I have n't authorized this company, or any other company to contact any of my family members regarding any debts I owe. 

Please help. Thank you

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 2015-10-13
Company: Automotive Management Services, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Upon checking my credit report on XXXX/XXXX/2015 it appears that Automotive Management has increased the amount of my reported debt to credit agencies without notification from {$4500.00} to {$5800.00} increase of {$1200.00} ) Automotive Management has never informed me that they have assumed liability of a debt I owe or that I have signed into an agreement with Automotive Management. Nor has Automotive Management provided me with a notice of sale date, location, or details of said Vehicle repossessed by Automotive Management

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have been receiving numerous phone calls from Portfolio Recovery Associates for collection of a past XXXX XXXX credit card debt that was discharged in bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have received correspondence from this company both by mail and by phone call. They claim too be collecting for XXXX XXXX for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: AES/PHEAA
State: AL
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:
For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that FedLoan Servicing was reporting a loan with a XXXX  balance and an $ XXXX  monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX  in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX  balance require an {$810.00} payment. I tried fixing the problem with FedLoan Servicing about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I 've notified this company in writing of my XXXX status which exempts me from collection attempts yet I 'm still receiving calls and Mail regarding this closed account with XXXX XXXX bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: Essential Retrieval Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company calls me 5-10 times a day every single day with an automated recording that they are a personal currior survice that will be delivering legal documents to me if do n't pay my debts.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car caught fire on XX/XX/2017 unexpectantly as I drove it. I filed both an insurance claim and a claim with the manufacturer of the car. As of to date the claim is still open and under investigation as I await results from the manufacturers engineer report. The bank in which I financed my car is aware of the situation and has all the documentation they need to either stop requiring me to make payment as my insurance company will declare the car a total loss or if it is a manufacturer default they will compensate for the vehicle. To date I have been called and harassed from capital one about possible repossessing my car, which I do not have in my possession and has since the vehicle caught fire ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to receive notices with an increasing level of hostility from Richard Sokoloff Attorney at Law XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX. Concerning a medical bill for XXXX and XXXX XXXX XXXX in the amount of {$370.00}. This bill was paid directly to the provider XXXX and XXXX on XXXX XXXX, 2016 in full. 
On several occasions, after receiving letters demanding payment, I have called the above office and have informed them that this bill has been paid and I owe the doctor nothing. Today when I again called this attorney to inform them that I had already paid the bill and that they should stop harassing me, a XXXX XXXX told me I had to submit proof that I have paid the bill or they will not stop. 
I responded that it 's their job to make sure they have accurate information before calling and sending letters of demand. XXXX XXXX proceeded to yell at me, told me it 's my job to prove I 've paid the bill and then she hung up on me. 
I find it unreasonable for this attorney to continue to harass me, for a bill that 's already been paid.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-04
Company: CORELOGIC INC
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-04-08
Company: Navient Solutions, LLC.
State: NV
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 been paying for a long time 10+ years, it seems i can pay off my car faster than a student loan. I see no end to this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Capital Markets Cooporative, LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CMC Funding XXXX # XXXX purchased our mortgage in XXXX of 2016. Since then we have issue after issue with our statements showing the wrong amounts, payments not being debited to our account in a timely manner, warnings that our payment is more than 30 days past due. I have called and emailed multiple times. Each time I am told someone will get back with me in 24-48hrs, but no one ever does. I need help, they are not doing anything to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The cash store turned my debt over to XXXX XXXX XXXX who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a call on XXXX XXXX, XXXX at XXXX. I answer it and it 's a man by the name of XXXX XXXX claiming to be from XXXX XXXX mediation firm and has legal documents against me. I ask what they are for and he says its a pending check fraud case filled thru First bank of California in XXXX. He stated that I would be served legal documents at my place of residence or employer and if I didnt accept I would get failure to appear and could have an arrest warrant issued. I told him that I have never received anything in the mail about this debt and havent lived at the address he had on file since XXXX when my grandfather passed and the house was sold. He told me the employer on file and I havent been with them since XXXX. He claimed that with accumulated interest the amount is now at {$3100.00} but the loan amount was for {$1000.00}. This is the second time I have received a call like this but the first time is was from a XXXX XXXX through XXXX. He stated he had legal documents on me for check fraud. The amount was for {$1100.00} When I spoke with XXXX he had stated that if I could reach the amount of {$900.00} within 2 days then they might consider stopping the legal complaint. The payday loan company that is being said as the complaint is Check n Go and I have a contact of XXXX XXXX XXXX XXXX XXXX XXXX that holds the collection and its not for the amount that the above is claiming either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Calvary Portfolio Svc added a fake/false payment to reage my account to be eligible for collection activity. I have not made any payments to this account in over 8 years. It 's past the 7 years for any type of collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: OH
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:
I was viewing the details of my credit report and I saw that XXXX XXXX  # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Refinanced our home loan with First California Mortgage and they changed the terms of the loan after closing escrow. They were supposed to include XXXX supplemental property tax payments with the refi. When we were at closing the out of pocket amount to be wired was incorrect at {$1700.00}. Was told by loan officer that it was a mistake the next day and the amount that was needed to close was {$1200.00}. Figured out that the amount we ended up wiring is the amount you get when you subtract the XXXX tax payment. Was never told that the terms of the loan were changed. We did not think anything of it until I checked on line and noticed that the second tax payment was not made. I checked with the Escrow company and they were the ones that told me the loan was for only XXXX tax payment. They changed the borrower statement after we technically closed escrow. Had to scramble to make the second tax payment which caused a financial burden. Desired resolution would be to honor the original agreement and reimburse us for the second tax payment. This should be considered deceptive loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.

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 2022-01-31
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Nelnet, Inc.
State: LA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Derogatory impact on my credit score. Harassing by telephone to myself, friends, and family impersonating law enforcement. They placed a charge off on my credit in the amount of over {$19000.00}. I do not owe this amount and have never been issued or granted this amount of money. XXXX needs to remove this false information from my credit history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Prince Parker & Associates
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This company called me and asked who my mom was before they introduced themselves to me or informed me that they were trying to collect a debt. Very unprofessional in their handling of this situation. I was hung up on three times and heard some very rude statements about why we did n't pay the bill sooner. We never received a final bill from XXXX XXXX XXXX after switching to XXXX. I am authorized to make changes to the account with XXXX XXXX XXXX but the account is formally in my mom 's name and our access to the account was revoked the moment we switched. Three months later we 're getting calls from this collection agency without a detail of the bill that is well over the amount we should have owed and they wo n't offer a contact number to verify the amount of the debt. Even stated " Tell your mom good luck in resolving this '' before hanging up on me.

Company response to consumer: Closed with explanation