BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: Mercedes Benz Financial Services
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I filed a police report on XX/XX/2019 and have seen the accounts get removed off my XXXX and XXXX credit report however Experian continues to violate the FCRA by failing to properly investigate the fraudulent items. I requested they provide me with the name address and phone number of the person or persons who validated these fraudulent accounts. I did not receive a document with my wet ink signature nor have they sent me a copy my updated credit report with the errors removed. I am filing this complaint because this fraudulent XXXX/DEPT OF ED Account # XXXX Balance {$11000.00} account is affecting my credit report and my score has dropped tremendously due to their violation of the law. Please investigate this matter and delete this account immediately.

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 2016-04-28
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance XXXX was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give families that have defaulted on your NJ CLASS LOAN the ability to rehabilitate their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX ( previous complaint ). The case reference has probably been closed. However - the same people and Wells Fargo - We finally executed deed in Lieu of foreclosure - XXXX 2015. We got a deficiency notice of around {$46000.00} ( the property under-appraised ) The original Loan was # XXXX ( {$320000.00} )! So they advised that our property was worth a lot less .... however, we recently discovered the property is up for sale for {$330000.00}. Is this legal.. we had to consider the deficient portion as income for taxes ... Please advise on what we can do - they have destroyed our credit at this point. 

Sincerely 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 explanation
Consumer complaint received 2016-12-08
Company: KEYCORP
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent {$10000.00} to XXXX supposedly for the purchase of securities that were to generate me a monthly return. I was to send {$35000.00} total but I choose to do it in installment in the event this operation was a scam. The reason I was trusting was that I was making money initially with doing binary trading and would receive my withdrawals when I submitted them. I decided to close out my account and get my money back but the company is not responding to my phone or e-mail request. I had over {$17000.00} in my account in addition to this {$10000.00} wire transfer I did on XX/XX/2016 from my checking account at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made an online order to Kohls. My shipment is now 13 days late. The tracking shows it has not moved since the date of shipping. I have contacted Kohls 3 times asking what is going on. And to have my products reshipped or I want my money back. This Package was to be already delivered and it is no where to be found. I was told I have to wait another 10 days. I told them that was unacceptable and they did not deliver when said. They still refused to return my money. I have ordered 3 packages since the missing one and they have all been delivered. 
This is just unacceptable. They lost my package and basically stole my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Two back to back phone calls on XX/XX/2017 at XXXX They call around every 3 hours Mon-Sat The creditor is Discover credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/2021 ( all XXXX bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. I am trying to buy a new home and was shocked to see this, as my payments are always on time. 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 monetary relief
Consumer complaint received 2017-02-13
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Due to the way Paypal manages their accounts it 's not entirely clear which country your Paypal account is tied to. In my case my original Paypal account was not tied to the US and when I received funds ( ~ {$1600.00} ) into this account I could n't withdraw them without having to pay a transaction fee of about {$65.00}. When I contacted Paypal I was advised to transfer these funds to my US based Paypal account after which the transaction fee would be reimbursed. 

After making this transaction Paypal refused to reimburse the transaction fee and after talking to a handful of Paypal representatives and not getting anywhere I decided to file a complaint with my credit card company as I used my credit card to pay for this transaction. 

My credit card company ( XXXX XXXX ) was able to get my transaction fee back from Paypal but as a result the funds I originally transferred were nowhere to be found. XXXX XXXX only received the {$65.00} transaction fee while Paypal 's official description of these funds is that they were in " limbo '' ( I have an audio recording of a Paypal representative stating this ). 

My Paypal account however shows my current balance to be in the negative for this exact amount so I am personally on the hook for Paypal 's systems losing this money. After talking to Paypal for at least a dozen times I have n't been able to get this resolved. To make matters worse, Paypal has now given this account to a debt collector for follow up. 

I am not sure what to do here as I have n't been able to find somebody at Paypal who is willing to accept responsibility and take the time to resolve this in the right manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Kohl 's will not fix a chain reaction issues that started with their site failing to work with XXXX XXXX. I have spent hours on the phone with Kohl 's and a woman named XXXX at the Kohl 's Headquarters gave me a number that can not be reached XXXX and the Receptionist confirmed the number correct and issues with calls going through. I have left messages and even emailed the board of Directors. I am getting charges each month and Kohl 's told me that I am in Kohl 's collection Department despite the fact I have never paid late. Kohl 's Promised to fix this and gave the director number to XXXX which I explained and will not resovled the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
l bought my home insurance and the bank lender of my mortgage was still charging me insurance escrow. So l requested deletion of this escrow and they denied my request. So I they pay on my policy with XXXX 's like they are suppose to since they had been collecting escrow and again they did not. Since l had instructed the insurance company to submit the bill to my lender for continuous on the policy, and when my lender failed to pay the bill accordingly like they were suppose to in a timely manner, l was again notified by XXXX 's XXXX to pay l did. Unfortunately, it was too late thirty days had passed and my money was returned and my policy was cancelled. Faced with this sudden dilemma, l went out and bought another policy which ended up costing me more money. After obtaining this policy l forwarded a copy to my lender BoA. To my surprise a couple of weeks later BoA notify me that l should provide them with insurance for the period of time during which my previous insurance company had been trying to receive payment from them. Since they were make a big deal out of the unfortunate situation they created, l when out and try to buy a policy for that period nonetheless. However, l was told by my insurance company that the new policy can not go back beyond 30 days. This same policy was stated by a few other companies l contacted. Somehow without proof of insurance during this period, BoA send me a letter charging me triple insurance escrow on a insurance policy which they claim the had purchased for the period that my insurance was cancelled five months later. This i was told by BoA after l had been told by insurance companies that they can not retroactively sell me a policy. Someway BoA was able to accomplished that easily but which l find strange especially since they had such a hard time processing my request and could not pay my insurance with my own money they collecting hence having my insurance policy which fairly cheap cancelled. This l think is not appropriate and a manipulation by BoA to charge me undue after intentionally or otherwise costing more money buying the new policy.

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 2022-07-06
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When we moved from XXXX XXXX to an area oXXXX XXXX  XXXX, OK XXXX XXXX  was not yet available in that area ( this was 2017 ). We returned the box to a XXXX XXXX however, they put this on our credit report stating they didn't receive it. I have been told this is a standard practice for XXXX XXXX. This collection goes back 5 years yet is showing as a current collection and is being reported falsely. I had several conversations with XXXX regarding this in 2017, but they said I didn't return the equipment and I know I did. They don't give you a receipt when it's returned so you trust them to be honest.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  Account # XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX  XXXX  Account number # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  Account number XXXX, Account name XXXX XXXX  Account number XXXX, Account name XXXX  Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot has used an excessive amount of time to refund the escrow. Originally they said 20 business days now we they are saying a month to 45 days. This is our money they are holding interest free and without penalty. If we did this they would be charging us penalties plus interest. I fail to see how this can be acceptable under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: MD
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:
You ( Credit Reporting Agency ) is violating my consumer right to privacy pursuant to 15 USC 1681b ( 2 ), company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 ( a ) ( 4 ) My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act. Pursuant to 15 USC 1602 ( p ) the term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) by a person other than the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use and from which the cardholder ( Consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Utah System of Higher Education
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation