BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I used the drive thru ATM at my bank. This is the TD Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called TD corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ). 
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: NAM National Arbitration and Mediation
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Deformation of character by sharing confidential information with my parents. Improper sharing of information include ( ie : verified debt collection, shared the file #, stated will file civil suit if I did not call by XXXX PST, verified my full name and date of birth ) The debt collection is for a debt closed in XX/XX/2009 - thus greater than 7 years. The ADR GROUP has NOT contacted me. The information provided was given to me by my father.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I am writing in regards to a vehicle that was purchased from Hyundai in XXXX, SC. The contract shows that the vehicle is in XXXX XXXX as the main borrower and Me ( XXXX XXXX ) as the co borrower. I have repeatedly call Hyundai Finance and requested that the account be corrected and they told me that because I had a beacon score they changed the contract. This is stressful due to them sending Certified Letters to me and when XXXX calls to see about the account they refuse to talk to her about it cause they state that she is not on the account. I have never had such a problem with a vehicle that has been financed in my entire life. They stated that they can change the contract and that we can not do anything about it. I know that by law you can not change the contract and they have actually sent me a copy of the contract which shows that XXXX is first and I am the co borrower. Please help me get this straight cause evidentially they are stating that they can do whatever they want to do and there is no telling how many other customers this has been done to. Thanks for your help

Company response to consumer: Closed
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with PCB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. This account Is not in compliance with HIPPA ACT standard and is in violation. I request that PCB Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all CONTRACTUAL AGREEMENTS with my signature 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PCB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: GREAT LAKES
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I NEVER RECEIVED THE ORIGINAL VALIDATION NOTICE - LETTER FROM CREDITOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with TD, TD hit me with overdraft charges claiming that it was XXXX 's fault. I complained to TD bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Credit Protection Association, L.P.
State: TX
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:
Credit Protection is reporting negatively on my account.

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 2022-02-01
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The initial complaint ID is XXXX. 

From the complaint ID above, I can see in the initial resolution Chase agrees to a payment of {$2500.00}. 

I have been following the process outlined by Chase to call in at the end of the month and manually pay this amount. I called in on XX/XX/22 and paid the agree to amount. As of this morning Chase has also withdrawn {$3000.00} from our checking account because auto payment was re-enabled even after repeated calls. 

As of XX/XX/22, we have paid {$5500.00} in mortgage payments this month from out checking account and Chase has over drawn our account. 

After over one hour on the phone with customer service being bounced from their mortgage section to executive section, I was told the only resolution is to call our bank that holds our checking account, XXXX XXXX, and stop payment. This will incur more fees because of XXXX mistakes. 

Chase has not followed the prior complaint resolution agreement and has caused us to have more hardship and financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Capital One card for about 6 months I always pay on time and more than the minimum required. They closed my account and when I contacted them they told me it was because of past, present, or pending adverse legal action. I do not have present or pending legal action. Many years in the past I did, but thats been a very long time and nothing has changed since I got the card. I asked what kind of legal action they told me I could contact the county clerk and find out, and I might need to check any where I ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Brelvis Consulting, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received an email from a random person from the " student loan help center '' in Florida, saying they can help me get my loans forgiven because of my XXXX position. I was sold on the idea and now they are asking for 3 monthly payments of {$260.00} in order to get the paperwork started to have a monthly payment of {$0.00} for 120 payments. I knew something was fishy as soon as I got off the phone with them and they took down my card information and I never received an email confirming anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Rossman & Co & PCB
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have Medical Insurance this is from a Car Accident I communicated with hospital that they needed to charge my Insurance first XXXX Car Insurance 2 nd I done so many times never had gotten a notice of this going into Colection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: TMX Finance LLC
State: AL
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Data Check of America LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A company called Data Check Services contacted me regarding a supposedly returned check from XX/XX/1995 in the amount of {$10.00}. To my knowledge I was never contacted by the bank to collect any insufficient funds. The bank is no longer in business. I 've advised Data Check this is a time-barred debt from 20+ years ago and to cease calling. They continue calling and have recently threatened a lawsuit and wage garnishment.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have new information pertaining to my complaints I submitted to Equifax. I sent a direct complaint to Equifax on XX/XX/2022 and I sent another complaint this same day to Equifax, but they were attached to the complaint. That complaint was mainly for XXXX XXXX. They responded to both complaints on XX/XX/2022. They did not give me the proper response because they said they need more time to investigate, up to 60 days. This is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Global Credit & Collection Corporation
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to XXXX. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called XXXX numerous times and updated them, but failed to put that information into writing. By late XXXX, 2016, the debt consolidation loan settled and a check for {$33000.00} was issued to XXXX. The last account statement I received from XXXX ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from XXXX. XXXX apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe XXXX, despite XXXX letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Commercial Trade, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have found this on my credit report. I do not know what it is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: CarMax, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks

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 2015-10-27
Company: Carma Enterprises Inc
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have told Las Vegas finance numerous amounts of time as well as my Co workers that I am not allowed to have personal phone calls at work cause I can get terminated..they keep calling telling people I they are from Las Vegas finance.they even called my district manager.on XX/XX/XXXX. They do n't even say it 's a business matter straight to Las Vegas finance loan conpany.even after I 've told them I need more time to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
1. TD Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 
2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 
3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 
4. The manager said in the bank they do not check credit. But again no such info is listed on the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017 The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

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 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am not pleased that TransUnion did n't resolve my issue with a credit card com- pany, XXXX XXXX, which I never had a card with. I understand they took over XXXX cards, but I always paid my bills on time and certainly was n't 3 months delinquent! They also had a telephone number with a Area Code XXXX for me and I have never lived in the XXXX area! This stuff is still the very first entry on their credit report.

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