BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
GM Financial refuses to respond to my multiply emails, phones calls and letters asking for corona-virus impacted financial situation, and potential request for resolution on the amount GM Financial is pursuing to collect. 

GM Financial it seems is NOT complying to the current economic and governmental issues that are effecting the XXXX  Loans that they service. Despite my requesting financial help/assistance from them on my current outstanding balance due to the Corona-virus impact, and an XXXX settlement, I have not heard anything from them at all!!! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a short sale negotiator for this loan, which is in bankruptcy and they are required to only have that department speak with me. And so the problem is that vendor is not answering their phones or calling to give updates on the file. An appraisal was completed over 3 weeks ago and there has still has not been a response. I have also requested in writing for the name of the investor and they have not responded or provided me with that information as well. There could be foreclosure sale and we would have no idea.

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 2016-05-11
Company: Collection Information Bureau, Inc.
State: FL
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 asked Doctors Business Bureau to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a XXXX time offer with a unrealistic date basically XXXX days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my Barclay account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear one contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.

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 2020-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a lease with Toyota Financial - it ends in XXXX. Monthly payment is {$330.00} ... plus the car has XXXX miles less than the allowable XXXX. My husbands business closed down to due the covid-19 - its a non essential business so we have no income coming in. Trying to alleviate as many bills as possible ... ending the lease early we can then cancel the auto insurance as well would be most helpful. I contacted Toyota and they said I could end it but would have to pay fees or if I just hand in car early my credit would suffer. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a customer for many years. 
We have cottage at XXXX Ohio. We open it up in XX/XX/XXXX And close it in XX/XX/XXXX. In late XX/XX/XXXX I Packed the equipment and sent it back. I call XXXX and said we were done for the year. They continued to bill us until XX/XX/XXXX. I tried to fight it but they would n't agree. I do n't owe these extra charges.

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 2022-04-15
Company: EQUIFAX, INC.
State: MO
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:
I have disputed 4 times and sent documentation for each dispute. XXXX, equifax and XXXX still has not fixed the issues. I have several accounts paid and it has not been fixed. I have one account that isn't mine and creditor agreed as they can't find this account for me. It is still on my credit report. XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX paidXXXX XXXX XXXXXXXX also sold to XXXX  paidXXXX XXXX XXXXXXXX XXXX  paid, XXXX XXXX sold to XXXX which was represented by attorneys XXXX and XXXX paid, All XXXX XXXXXXXX paid, XXXX XXXX paid. The XXXX XXXX  XXXX XXXX Not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
RE : XXXX XXXX, Ginnys, Seventh Avenue, and Monroe and Main. 

I tried several times to request a plan with this company through a debt counseling company, they denied me and kept my account open and wracked up interest and late fees. They finally accepted but will not close my account or reduce my payment as agreed upon. They are reporting to the credit bureau incorrectly however the credit bureau has not taken action and neither has the company. The account is still showing open on my credit report and the payment is still not correct. Also, they have not reported me to the credit bureau for several years and consequently have no idea who I am paying through the debt management company, They refuse to verify the debt. They do not answer my calls either. Again, no action has been taken and my student loan is at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: LEXISNEXIS
State: GA
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:
I need want to opt out of and freeze the reporting companies ( lexis nexus and XXXX XXXX ) Ive been contacting them for more than 2 years and they are giving the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Fenton & McGarvey Law Firm, P.S.C.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Was sued by a debt collector on behalf of XXXX Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of XXXX record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with XXXX and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.

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 2020-04-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
: My Macys XXXX XXXX card credit limit was drastically decreased. The reason for the decrease was based on false information. My limit went from {$1600.00} to {$300.00}. This decrease was strangely after ( paying off ) the account. According to Macys XXXX XXXX, the reason they decreased my limit was because of negative information on my XXXX  credit report & high balance versus credit limits ( all lies & false claims ) after receiving the letter from Macys that was based off lies, I pulled a fresh copy of my XXXX  credit report from annual credit report.com and there was not XXXX  single negative account. No derogatory account, all my accounts are in excellent standing and not XXXX account is close to the credit limit. There is not XXXX single late payment. For being a good customer and paying off my Macys Credit card, they reward me by decreasing my credit limit. Based on the lies and the deciding factors I was giving by Macys XXXX XXXX, the only reason they decreased my credit limit is because of my race. Thats it because not XXXX single reason they gave was accurate. In addition to that, Macys claim they reviewed my credit report, but when I checked my credit there was not XXXX single hard or soft credit check by Macys XXXX XXXX. Also there customer service number is never available. Nobody is ever available to pick up.

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 2016-05-25
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
During the week of XXXX XXXX I contacted BMW Financial Services to process a payment for XXXX. I was out of the XXXX and unable to connect to the internet to process it online. I requested that the representative ( I believe his name was XXXX but can not recall ) activate XXXX since I am currently traveling out of the XXXX for work. He explained that I could do it online but I specified that I did not have access to the web. He confirmed my bank account was on file with BMWFS and that he could take care of it. Today I received a call from BMWFS stating that they have yet to receive a payment for XXXX and that my credit had been affected. I told them to draft it immediately. I stated that I had previously spoken with someone about this and they directed me to their credit dispute department because they could find no records or notes that anyone every spoke to me. After holding for about 30 minutes the call then disconnected without being able to speak to anyone. I 've yet to be able to get in touch with anyone to even speak to them about a dispute. I believe I was provided incorrect information regarding XXXX, as the second agent told me it can only be initiated only by my self as the account holder ( which is not what the first agent told me, UDAAP concerns here ). I have never had a late payment with BMWFS and am extremely irate that their mistake will put a blemish on my credit report. I request that they remove this immediately. I do not believe their credit dispute process is handled with the customers best interest. I will be visiting my nearest XXXX, writing to the OCC, and the FTC about this as matter as well. Not to mention that when I purchased the vehicle I was told that I could only buy XXXX insurance at the time of purchase ( when I knew that was incorrect ) and the APR was not stated to me until I asked for it all while I was being asked to sign documentation with out first seeing the rate first. Though this was a few years ago, I know this was also not a best lending practice. 

XXXX XXXX Account address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a business account with PNC Bank, It was unlimited free balance with a condition that they mail me my statements. Last year, they stopped mailing my statements and began to charge me a fee ( approximately {$4.00} a month ) on my account. I was in XXXX XXXX, XXXX and spoke with the manager. He restored the fees and resumed the mailings of my statement. Earlier this year, they stopped sending me my statements thru the mail and in XXXX they started charging me a fee of {$17.00} per month. Since I was out of town, I did n't notice this till XX/XX/XXXX. I went and spoke with the manager of the XXXX, XXXX branch and she told me that she was going to try to get my money back. A couple of days later, she told me that she could n't get my money back but was going to talk to her Supervisor about my situation and that person would call me in a couple of days. I never received the call and returned to her branch. That 's when she told me that she could not return my funds, so I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity loan with SLS, formerly XXXX XXXX XXXX. I entered into a loan modification with them in XXXX at a monthly amount of XXXX. They continue to show a suspense amounts on my statements usually of XXXX and always past due amounts, My first payment in XXXX was applied to principal and should be to interest, and I have called repeatedly and written to their corporate offices as told to by their customer service dept to get this reapplied. 

I always call the automated system and on XXXX the total amount due per them was {$630.00}, which I paid on their automated system from my account at XXXX Bank, which should have brought me to XXXX XXXX due until XXXX XXXX. I just got a statement dated XXXX which says I owe {$1200.00} by XXXX, and {$580.00} is past due. How can I be past due that amount if I paid everything current as of XXXX per their system. When I was told by their customer service person XXXX to write to the corporate office XXXX cash apps XXXX to get the first payment applied correctly, it has never happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: GA
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:
I moved to XXXX NC in XX/XX/XXXX and had several Chase credit cards that I was using for moving and living expenses. All XXXX accounts were current and had always been paid on time when Chase unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent Chase a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided XXXX offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. Chase accepted the payment and never reinstated the accounts. Shortly thereafter, Chase began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to Chase in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with Chase many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent Chase a letter again disputing the status of the accounts and demanding validation. Chase failed to provide adequate validation and simply replied to my demand with old credit card statements. Chase also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent Chase another letter demanding the XXXX accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from Chase simply providing old credit card statements once again. These XXXX credit card accounts are negatively impacting my credit score and Chase has deliberately and continually ignored my demands to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX made a check deposit to me and my husband 's checking account. The check was for XXXX XXXX dollars made out to my uncle from a settlement with XXXX and XXXX. My uncle XXXX XXXX is currently incarcerated serving time in XXXX XXXX correctional facility at the moment. I have power of attorney over my uncle and was instructed to deposit the check into our account and use the money freely as he has no use for anything. i signed and deposited the check the ATM accepted it and Capital one cleared the check with different disbursement dates. Later that evening my husbands and my checking account was restricted and frozen. when I spoke with capital one several times, they instructed they would not XXXX restrict our account until they spoke with my XXXX XXXX XXXX which isn't possible. I need this resolved as the money is just sitting in the account and my husband and I have no access to our personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: National Enterprise Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.

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 2016-07-29
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
We operate a small business on the XXXX XXXX XXXX. A number of our employees do not have bank accounts and need to cash their payroll checks. We discovered that they were paying a substantial fee to cash paychecks at a local check cashing business. We advised them to cash their checks at the bank on which they were drawn. We were very surprised PNC charged them a {$10.00} fee per check. These fees amount to a significant percentage of an employee 's paycheck. It does n't seem fair an employee should have to work an hour just to cash their paycheck. The branch manager agreed to waive the fee for our employees given our relationship with the bank. However, I fear many other hardworking people are being subjected to similar predatory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: National Enterprise Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to  XXXX  that I have settled on  XXXX   XXXX ,  2017 .  XXXX  responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair practice.

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