BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Toyota Financial Services fail to validate an alleged debt of a car loan pursuant to FDCPA & FCRA after many attempts to resolve the situation in accordance to federal law. 
On XXXX a letter was made stating that TFS received my request for validation and after their records were researched but not Validated, they determined the account being reported was consisted with their records. 
On XXXX as evidenced by certified Mail Receipt # XXXX XXXX, Affidavit was sent Certified addressed to Toyota Financial Services ( TFS ) seeking to resolve the issue with remedy of {$300.00}. 
On XXXX, XXXX XXXX was also sent certified letter requesting accountant sendFinCEN Form 101 " Suspicious Activity Report ' as evidenced by certified mail receipt XXXX. 
A letter dated XXXX XXXX, was sent to my residence with threatening and intimidating language of taking my property to sale the debt which is in violation of 15USC 1692d without the debt being validated. 
Further attempts were made through Notarial Protest On XXXX, XXXX XXXX was sent Notice of Breach as evidenced by Certified mail receipt # XXXX On XXXX, Notice of Protest and Opportunity to Cure as evidenced by Certified Mail # XXXX. 
On XXXX around XXXX ; XXXX, TFS committed theft by sending an asset management company to take my property thus violating 15USC 1692d. 

Afterwards from fear and intimidation, On onXXXX, TFS was sent Tender of payment by way of negotiable instrument for accord and Satisfaction in accordance with UCC with an Affidavit of Tender of payment as evidenced by Certified mail Receipt # XXXX. 
As of today, XXXX, XXXX XXXX CFO of TFS has failed to respond thus committing dishonor through non-acceptance and or non-performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, XXXX XXXX, complaint against Bank of America loan provider, XXXX, loan sent to them by Bank of America, and XXXX. 
My brother had a loan with them for about ten years payment XXXX mo. he paid every month XXXX towards loan. Contacting B of A. in XXXX of XXXX to redo his mortgage with a payment of XXXX. In XXXX of XXXX he sent back the papers to the Bank with them coming back saying it was not his signature in the papers but XXXX had XXXX making is writing some different but ledgable.. We went to a legal aid office in XXXX NC for help. XXXX XXXX XXXX was the attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX. We asked for help with Bank of America she has a lot of problem with B. of A. they would hang up on her never returned calls asking for odd info this kept up for a year into XXXX. No payment have been made since then due to me trying to get a reverse mortgage. 
There was so much pressure on my brother that XX/XX/XXXX he gave up stopped his meds and then passed on the XXXX of XXXX XXXX. 
***** The rest of the information and finishing giving you all the important fact is continued on a PDF I have included along with lots of info from these companies and attorney. I did this as per speaking to your office earlier today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
My name is XXXX XXXX XXXX, but I was XXXX XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I never could decrease the amount to be repayed and the amount even being on XXXX has been fully handled fairly. The school I attended due to homelessness and lack of employment did not allow me to keep up with the monies I owed. As of the XXXX of XXXX I was approved for XXXX with the catch being if I make over {$16000.00} I would have all of my loans reinstated. I find that to be unfair and I fear being put back in debt with no regard for the cost of living with basic needs being met on my income. I 'm allowed not to make over {$1000.00} per month with social security, yet if I make over {$16000.00} I will have to pay over {$60000.00} in student loans back. This has me feeling like I will just drown and not live productive. Please help me figure what to do. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: National Credit Systems,Inc.
State: MI
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:
I signed a lease to an apartment, and the building was sold to a new owner ( XXXX XXXX @ XXXX ) halfway though the year. I requested to be let out of lease due to breach of contract and poor services rendered and had a signed legal agreement between myself and the new owners and our respective attorneys all together nullifying the agreement. The disgruntled manager still reported it to collections ( National Credit Systems ) and onto my credit reports at all 3 bureaus. I disputed it with National Credit Systems and provided attached documentation and with XXXX and XXXX, and they dropped it from my report, but XXXX will not. After several unsuccessful tries they won't allow me to file anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. 

This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. 

I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. 

To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! 

My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today XXXX on XX/XX/2021 I contacted TransUnion Credit Report Agency about my credit score. I ask why I couldn't see my credit score when I login to my account. The reply was you need to pay to see your credit score. I responded by saying XXXX and XXXX you don't have to pay. They again said pay a fee and get it. I told them that I am not paying for something that the other 2 agencies are giving for FREE. I told them to get with the program and send my request up the chain of command.

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 2015-11-17
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15, I opened a checking account ( {$150.00} cash ) with M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/15 a direct deposit of {$4500.00} went through as well. On XXXX/XXXX/15, I was reviewing my account online and it had a {$150.00} bonus for a new account with direct deposit added. I called customer service and they said that although my direct deposit was new and went through on XXXX/XXXX/15, that my account was opened on XXXX/XXXX/15 and not new. They told me to call the local branch. I called the local branch and spoke with the XXXX XXXX XXXX XXXX XXXX who said although the person who helped me open the account new about the upcoming promotion, she could not tell me. I asked if I could close my account. She said I could not get any money out of my account. I told her she was mistaken. I called customer service back and they told me that I had to call XXXX back and ask for her XXXX XXXX XXXX XXXX. I immediately called XXXX back and she did not even remember me. I said XXXX 4 times XXXX, please just have XXXX call me. XXXX kept asking why and was I mad with her. I asked again XXXX XXXX time ) please have XXXX call me. XXXX called me 2 days later and said she could not help me, but XXXX was incorrect about not being able to access money. She said she would have someone call me back. The next day, XXXX XXXX called me and he said he would waive a {$50.00} closeout fee. This upset me, for no one ever mentioned that. He was rude, I immediately e-mailed customer service and after another week, XXXX finally called. XXXX was rude and said she would do her best to waive the {$50.00} fee and that I was not entitled to the bonus. I asked her for XXXX and afer asking 3 times, she gave me a business address with their e-mail address. She was rude and of no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I to ask why I was not given the correct offer I saw on the website when I applied. On XX/XX/XXXX, I applied for the Chase XXXX XXXX XXXX because I saw a " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase XXXX XXXX XXXX was still " For the First Time 125,000 Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( 125k bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your XXXX XXXX arrives in the mail, use it to earn 50,000 bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2015-05-29
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I consolidated my student loans last year in XXXX with XXXX. I found out that XXXX loan through XXXX XXXX was not consolidated because they refuse to send XXXX the information about it. XXXX has continuously contacted them and no response. On XXXX/XXXX/15 I found out that instead of being sent to XXXX it was sent to collections. Now instead of the original amount, they have added interest and fines to XXXX the amount. I believe this is a total scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THE REPORT. 
I AM A VICTI OF IDETITY 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 COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISION 'S IDENTITY 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 explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am trying to get a XXXX XXXX. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please remove.

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 2016-06-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Sale of account

Complaint:
This complaint is in regards to the XXXX XXXX Costco credit card migration to Citibank Visa credit card. My card was not ported to Citibank Visa. Several months ago I took a call from an XXXX XXXX representative who asked if I wanted the new XXXX card or be migrated to Costco. I was very clear, directing that I do NOT want a new XXXX card and to migrate the account. No further information or contact was exchanged - until the new XXXX card was received in early XXXX. I did not activate the card, as per ALL of the Citibank and Costco communications expressly stated that ALL XXXX Costco cards were to be migrated to Citibank. All communications stated very clearly that XXXX Costco card holder would not need to do anything, and that a credit review would Not be performed. 
When the new Citibank Visa card was not received, I called Citibank on XXXX and was told that Citibank will not have XXXX account information until XXXX - and " do n't worry, you will get the card ''. When the card was not received, I called Citibank on XXXX. I spoke to a representative and a supervisor and was told that not all XXXX accounts were ported and to call XXXX XXXX. Citibank informed that not all accounts were ported and that I would have to apply for a new card. I called XXXX XXXX and spoke to a representative and a supervisor. I was again informed that not all accounts were migrated. I was also told that XXXX XXXX sent XXXX letters in XXXX ( 5 days apart ) informing that my account would not be migrated. Neither letter was received - although miraculously the new cards were received. XXXX XXXX would not tell me WHY my account was selected to not be migrated - only that they used internal criteria. 
I am extremely angry : - This is deceptive advertising. Every communication provided by Citibank and Costco stated that EVERY account would be migrated, and no credit reviews would be done. Absolutely nothing indicated that some accounts would be selected for exclusion. 
- XXXX XXXX ' actions are discriminatory and appear illegal. 
o They selected individual accounts to not migrate and will not share the criteria with the account owner. It is due to being an older American? A higher income level? Female? 
o Contrary to their claims, XXXX XXXX did not provide communication of their actions. In fact, they did not adhere to my direction to migrate as provided to their representative. 
- Why should my I need to apply for a new card and incur a credit pull, when most accounts do not? It is discrimination to apply different rules - which are NOT communicated. XXXX XXXX decide who is impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation