BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XXXX XXXX XXXX I received a letter from Hyundai Motors Finance- Payoff Dept. that referenced to my pay-off amount of XXXX. I called Hyundai Motor Finance on XXXX XXXX XXXX to inquire about balance. Hyundai Motors Finance informed me that there was interest that accrued over a period dating back to the months of XXXX XXXX and XXXX XXXX payments. Hyundai Motor Finance also asked me to contact the gap insurance company. I corresponded with the gap insurance company who referred me back to Hyundai Motors Finance to resolve this matter. The pay-off amount should not be my responsibility due to my insurance company XXXX XXXX XXXX XXXX and my gap insurance benefits have already covered the total loss of my vehicle. My complaint with Hyundai Motors Finance is that they are charging me for interest and fees that should have been included in my monthly payments. Hyundai Motors Finance was unable to provide me with the proper documentation for the interest and fees. I am unable to access the account due to Hyundai Motors Finance freezing the account during the insurance claim to prevent further payment action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: ALLY FINANCIAL INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I told the XXXX associate at XXXX XXXX to charge my account the XXXX that was available to be used, he over swiped XXXX onto my account. They will not accept or return my XXXX XXXX because that is the only way that they could fix that problem I was told. It has been almost 3 months now and I am tired of this issue not being resolved or disputed. Ive had identity theft going on heavy with my accounts and I want my issues resolved already. I want the people who tried to take out loans in my name, who wrote fraudulent checks, and who have been trying to steal my identity and intimidate me to pay for their crimes in a court of law to the highest extent. I will be pressing charges against eligible partys and affiliates for punitive damages to my mental health and my mental well being.

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 2022-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
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:
XXXX payments were made to Carrington, both payments came from bill pay with name and address and account number for XXXX and XX/XX/2022. Carrington improperly posted the payments. XXXX XXXX XXXXXXXX has presented documentation to correct this issue. Carrington sent me information correcting the posting of the payments. Carrington also, notified me that my credit would not be affected. I have tried to refinance getting a low locked in rate which carrringtons mistake has prevented. I have been notified that all three credit bureaus have late payments for XXXX and XXXX of 2022 for the same account which was wrongly accused of late payments, causing financial hardship. With interest rate rapidly rising carringtons mistake will put me in a unlivable financial position. I need this mistake corrected within 24 hours to secure my rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Bank Of America on XX/XX/2022 at XXXX pm regarding verifying my email address. Then on XX/XX/2022 at XXXX am, I received a second email from Bank of America regarding an Online application is in progress with a confirmation # : XXXX. A third email was sent at XXXX am on XX/XX/2022 stating : " Your new account is open '' ending in XXXX. Finally, a 4th email was sent from Bank of America at XXXX am, stating that " You're enrolled in Online and Mobile Banking ''. This account was open fraudently.

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 2022-08-27
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My significant other has been in dispute with Chime XXXX for XXXX days as of today, XX/XX/2022 for the amount of {$600.00} after he was the victim of a scam after attempting to purchase an item online. The so-called 'merchant ' that made the sale with him has not responded to any communication by phone, text message, or e-mail. The 'merchant ' also refuses to respond to law enforcement. The purchase was made XX/XX/2022. The item was never shipped. A tracking number was never provided through any shipping service both foreign or domestic. The item was never received. 

He has submitted 42 separate screenshots on multiple occasions to Chime XXXX in regards to this dispute requesting a refund. The screenshots include the transaction, the receipt for the item, the receipt of the entire transaction, the lack of response from said 'merchant ' for the past 30+ days, the repeated denials from Chime 's so-called 'Investigation Team ', the item being relisted by the same seller, the police report from our local police agency indicating that he is a victim of fraud, the first letter Chime requested, and the subsequent second letter after the third denial of refund. 

For the third time, his refund request was denied stating that " no error occurred and customer must contact the merchant ''. The merchant is clearly fraudulent and will not respond. Law enforcement even acknowledged the fact that this person was a scammer. Chime still refuses to refund his money and has demonstrated blatant disregard of acknowledging or assisting him as the victim of a cyber-crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2016 my mother XXXX XXXX XXXX passed away. On XXXX XXXX I went to XXXX in XXXX and return all of their equipment. I 'm now receiving a letter from Transworld Systems inc. attempting to collect a debt of XXXX. At the time of her death all bills were paid. She does not owe this monies and letter does not indicate what the monies is owed for. If XXXX is trying to collect for early termination fee, this is an outrage because she is deceased contract was not broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you

Company response to consumer: Closed
Consumer complaint received 2020-09-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My sister and I financed a loan through Toyota Finance for a XX/XX/XXXX XXXX XXXX XXXX  and in XXXX there was one payment left on the loan. Unfortunately, there was a bad storm and a tree in my sister 's yard fell onto the XXXX on XX/XX/XXXX creating a total loss. The insurance company called Toyota Finance to obtain the loan payoff amount with the intention of sending the payoff to Toyota and the remainder of the claim balance to my sister so as to expedite the process allowing my sister to purchase another vehicle quickly. This was very important as my sister 's son was severely injured in an auto accident on XXXX and my sister would travel almost daily to see him in XXXX some 70+ miles away. Toyota explained to the insurance company that their policy required the ENTIRE amount of the insurance check for the actual cash value of the vehicle and once received, they would process the payoff and return the remaining funds to my sister. The insurance company explained the situation to Toyota that my sister needed another car quickly but Toyota would not budge from their stance. I called Toyota around the end of XXXX after hearing the situation from my sister and I was told it was their policy to require the entire amount of the insurance check in a total loss situation and they refund any difference and we can expect a check between 18-21 days from when they receive the check from the insurance company. I asked their reasoning for why they needed to receive the entire amount of the insurance check - approximately {$12000.00} when we only owed {$430.00} left on the loan- exactly one payment. I was told this was their policy but was never explained the reason for said policy. I have worked in Loan Administration and know that there is no viable reason for this policy as the only sum of money needed by Toyota is the amount of the payoff to satisfy the loan balance and release their lien on title. As a result of this unfair policy, my sister and I have been financially harmed. I had to use my savings to purchase a car and at this point ( XX/XX/XXXX ), we have yet to receive a check from Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My card was lost on XX/XX/2020 I made a claim after realizing my business bank account and savings were cleaned out and left with a high negative balanced. 

Bank of America took my paycheck deposits, my regular deposits as well as my {$1200.00} stimulus check and ignored my claim as well as my affidavit submitted to them. 

Bank of America closed my account and will not restore the credits taken from my account since XX/XX/2020 nor will allow me to withdraw my remaining balance which is over {$2000.00}. 

This denial has caused hardship especially in the social climate of covid-19. I lost my job because I could not access my account to pay for gas. Food supply in my home is low. 

It has been over two months now and this is highly unlawful. I will go to the news about this.

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 2016-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
www.consumerfinance.gov referrral XXXX dcase no XXXX XXXX XXXX, XXXX XXXX IA XXXX The terms of the RESPA are for an automatic termination of PMI once the loan amount owing the Mortgagor ( bank of America, has reached 78 % in XXXX dollars of the orginial purchase price of the home. I dispute BA determiniation to continue PMI payments ( billing of mortgagee ) .The basis for my diispute against BA terms is they are not folloiing good banking standards and procedures by violating RESPA terms that enact atutomatic PMI discontinutioaon with no appraisal needed when my loan reached 78 % remaining to be paid from the original purchase price. I request Consumer protection agency to review the necessity for BA to adhere to RESPA terms and issue me a refumd of overpaid PMI since loan reached 78 % loan to value of orignal pruchase price, no survey required. I further request that BA cease and deisist in its insistence on billing {$15.00} a month or any amount for PMI. I request assistance and i give authorithy to Consurmer financial proctection bureua ( CFPB ) tor recover overpaid PMI and refund to me. I look forward to the final determination from CFPB in this matter.

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 2022-08-27
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I tried to log into your XXXX account which they deny my services and also dont let me enter my account Goldman Sachs XXXX XXXX XXXX are restricting me from my own account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted a cash out refinance with Mr Cooper. The agent XXXX XXXX, took my financial information and said I would qualify for a cash out of {$170000.00} but because Im self employed that would drop to {$130000.00}. I agreed to the terms and he did a credit pull. I made him aware I was also working with another lender and would let him know if we would go through with the loan. I attempted to contact him again. He has not returned my calls. I spoke with another agent that made me aware XXXX was new and made a mistake. Mr. Cooper will not accept my income for the last 6 years of self employment. There policy is to discriminate against self employed customers for the time being. Our last refinance was three years ago. My income was fine for Mr Cooper at that time. Mr Cooper should correct the illegal credit pull and apologize for the incident. I have attempted to contact his supervisor XXXX. I have not received a response. I have also attempted to contact XXXX, XXXX supervisor with not response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
American Express has charged me {$180.00} for one day of allegedly being late on my payment and a {$27.00} late fee. I was not late on the payment. The payment was postmarked XX/XX/2017 the due date is XX/XX/XXXX, they say they received it on XX/XX/XXXX. This is nothing but pure greed. I have spent tens of thousands of dollars with American Express and pay my bill in full every month and never have been late. What a way to treat a good customer. Oh, and do n't send me their policies and interest rate dirty math, got all that from their drone reps who can only recite what they are spoon feed. This needs to be looked at by someone who understands customer service that can actually do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am including a copy of 15 U.S. Code 1681 ( a ) ( 2 ) as it pertains to a fraudulent account that is still showing up on my Experian credit report. The account in question is XXXX XXXXXXXX XXXX XXXX. I would like to note that this account was removed from both my XXXX and XXXX reports. Also this account is reporting an address of XXXX XXXX XXXX XXXX XXXX XXXXY, CA XXXX, and not only is this reporting a violation of the law that I am attaching ... the bigger problem is that I sent an Investigation request letter to Experian asking that this account be removed should it not be valid. Not only is this account not valid... it is reporting an address that dosent even exist. Which means that Experian didn't do a proper investigation. For these reasons I kindly request that this item is immediately removed from my credit report, and that this false address gets removed from my report as well. A quick XXXX search will prove that this is not a valid address and listing it on my credit report is a violation of my rights.

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 2022-08-27
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent {$500.00} via Zelle for a XXXX XXXXt and the seller is not acting in good faith. As agreed seller was to ship item on Friday XX/XX/2022 and provide me with a tracking number. The seller is not responding to my texts. Seller stated his name is XXXX XXXX and his zelle is linked to email XXXX. Contacted him via cell phone number ( XXXX ) XXXX disputed charge with XXXX bank and submitted an ic3 complaint. Zelle Id is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank Of America took my hard earned tax paying dollars as well as everyone else 's in the bailout and then did absolutely nothing to help me with my underwater property in FL which is what the money was designated for. I have been trying to speak with someone at Bank of America since 2008 to gain access to principal forgiveness or principal reduction and continuously am ignored. I filed a complaint with the District Attorneys office which lead only to a single letter from BofA indicating more time was needed and have never heard from BofA again. They think this is a joke. They lined the pockets of their XXXX 's and whomever else is in the upper positions whilst those of us, including myself continue to suffer with underwater properties if we have n't had to walk away already. I ca n't count how many times I asked for help whether it be principal reduction of forgiveness or asked to simply refi and was denied indicating the property value is upside down and this is denied - hello .... what the XXXX do you think the bail out money was meant to be used for?!!!! I was not able for a period of time to pay my second mortgage and instead of helping me they started the foreclosure process. I had to borrow money yet from someone else to become current on an upside down property - I have to ask myself why I continue to keep paying and not just walk away - this property cost XXXX and has had since 2008 a value between XXXX-XXXX. Oh by the way BofA never included the appraisal with the loan docs - how convenient. How do I know this loan was n't unfairly processed, that some form of unethical practice was used to have the appraisal match the loan amount to justify the approval? I have read public information available online which clearly indicates BofA is in hot water and I am not alone in my situation. What I want to know is why are these large companies bailed out when its us middle class folks who pay for this country and why are n't these CEO 's etc ... rotting in prison where they belong?

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