davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/XXXX I attempted to make a payment in total of {$460.00} using the Toyota Financial Services ( TFS ) website. When I attempted to submit the payment, I received an error message that something went wrong on their end, and to try again. Following this prompt, I attempted the payment again. After this, two payments of {$460.00} appeared on my account and I confirmed with my checking account that two payments did in fact debit my account. I called the Toyota Financial Services customer service line at XXXX. I was told that since the payments were in process, they could not stop the payment. The customer service agent then advised me that I should move funds around in the account in attempt to stop the payment from going through. I rejected that suggestion and requested a refund. The customer service agent said she would process the refund. After 27 days ( XXXX business days ), I have still not received the refund. My second call was placed on XX/XX/XXXX where I was told there may be a delay and I should expect the check in the mail within a day or so. When I did not receive the check, I called back asking for a manager. I was not able to speak to a manager but was told the check was processed on XX/XX/XXXX. This was 13 days, XXXX business days, after my original call. As of XX/XX/XXXX, I still not have received the refund payment. I called the TFS customer service line for the fourth time, requesting to speak to a manager. I was not given a manager to speak two, instead I was told that they identified an issue and re-cut the check on XX/XX/XXXX. I still wanted to speak to a manager since this has been going on for 27 days and counting, the advise I was given from the start seemed suspicious, and I was told different dates from each person I spoke to. I was told a manager would call me back within two hours. I still have not received a call from a manager. This seems suspicious as I did not consent to two payments being taken out of my account. The TFS website instructed me that something went wrong and to submit payment again. After nearly a month I have not received payment causing financial loss and damages. These practices seem very similar to those Toyota was fined for in late XXXX.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NC)

Applied for and received a US Bank XXXX XXXX approximately XXXX months ago. 

For this same amount of time the US Bank XXXX XXXX Banking website has been inoperable. This is the message that has been posted when you log-in : Our system is currently " Read Only '' due to a technical issue that we are working to quickly fix. To avoid confusion, we are only showing you options that you are able to do. Youll see all the usual options once the issue is resolved. 

What does this mean to you? 

No data has been lost. 
You can view limited account balance information. 
Account balances shown reflect the balance at the time of your last visit to XXXX or XXXX Banking, or the last time we processed your activity ( nightly M-F except holidays ). 
You cant transfer money, make payments or advances, or send money to a person. 
For urgent concerns, such as payments or transfers that cant wait, call XXXX BANKS XXXX XXXX ). Thank you for your patience. 

US Bank indicates in this message that " Our system is currently " Read Only '' due to a technical issue that we are working to quickly fix. '' This is not an accurate statement, as this system has been inoperable for at least XXXX months. 

Credit Card customers can only make payments by sending in a check or calling the US Bank Customer Service phone number to make a payment. 

I believe this is a deliberate attempt on US Bank to make paying your account balance difficult and charging late fees or having customers miss payments.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I transferred the balance of my XXXX XXXX Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my XXXX XXXX Credit Card which is no longer {$1600.00} it's {$0.00}
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (HI)

Subject : Request for Removal of Unauthorized Hard Inquiry Dear Consumer Financial Protection Bureau, I am writing to bring your attention to an unauthorized hard inquiry on my XXXX credit report, dated XX/XX/year>, from CBNA/THD Bank . After researching, I understand this entity to be CitiBank North America, associated with The Home Depot. I did not authorize this inquiry and respectfully request its removal from my credit report. 

I have filed a complaint with the FTC, and the report number is XXXX. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I paid my XXXX XXXX comenity overstock credit card balance on XX/XX/year>. The whole balance was paid with my bank card. I then called them to close the account. I was told to wait at least 24 hours before I could close the account. The next day I call to close the account and I was told that I needed to pay a XXXX XXXX purchase fee in order to close the account. I categorically refuse since then, the account has gone from XXXX XXXX XXXX XXXX XXXX in late fees. Each time I have spoken to them, I get a different reason as to why my account was charged XXXX XXXX  the day after I paid the full balance of XXXX or so. The latest call with them had me waiting for 25 minutes to simply getting an explanation. Then I was told it was a finance charge. I can't even login to my old account since they have changed it to something else in order to access specific details.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (NY)

I applied for a credit loan through XXXX furniture store to pay for for a couch for our new home. It was a loan to be paid off within 1 year. The puchase was made in XX/XX/XXXX. 

The loan was through Fortiva. I paid it off within the stipulated 1 year duration. 

It was paid off, to be more precise, in XXXX of XXXX. 

In XXXX of XXXX, I received a credit card bill for a card I never applied for and consented to. The bill was for {$57.00}. It was for an activation fee. And the card was with Fortiva. 

I immediately called their customer service line. 

They told me that because I never responded to their email in XXXX, they take that as a green light to move forward with opening a credit card in my name. 

I told them I would not be paying the {$57.00} fee and to close my account. I recieved a confirmation email that they closed my account. 

Today, on XX/XX/XXXX, I recieved an email stating I owe them {$27.00} this month and the {$57.00} fee is still outstanding. 

Please help.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (MI)

I am writing to file a complaint against SoFi Bank for their failure to allow me to access and withdraw my funds due to a systems error, as well as the subsequent poor customer service I received when attempting to resolve the issue. 

On XX/XX/XXXX, after enduring months of subpar customer service and an overall negative experience with SoFi Bank, I decided to close my savings account. I attempted to transfer the remaining funds to my original bank, XXXX XXXX, which was the same institution I used for the initial ACH deposit into my SoFi account. However, SoFi Bank was experiencing a systems error that prevented me from completing the transfer. 

After multiple attempts to verify and re-verify the account through SoFis website and confirming with XXXX XXXX that their systems were operational, I reached out to SoFi Banks customer support to remove my funds from the account. The support representative indicated that the issue was due to an internal systems error at SoFi Bank and informed me that my only alternative option was to wait for 30 days to receive a paper check for my funds. 

I believe this action is a violation of my rights as a consumer. If I choose to withdraw my funds from a bank, I should be able to do so promptly and without unnecessary delay. SoFi Banks inability to provide a timely solution and forcing me to wait 30 days for a paper check is unacceptable. The bank should have provided an alternative method to access my funds, especially given that the issue was on their end. 

Despite my efforts to resolve this issue through multiple conversations with SoFi Bank, I was met with consistently poor customer service, and my concerns were not adequately addressed. I have attached a screenshot documenting the situation, which clearly shows the lack of response from the representative regarding my issue. 

As of now, my funds have not been transferred, and it appears that they are effectively locked in my SoFi Bank account until either the systems error is resolved or I am forced to wait 30 days for a paper check. This situation is causing significant inconvenience and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that SoFi Bank provides consumers with fair and timely access to their funds.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX XXXX made a check for XXXX XXXX XXXX for the amount of {$1500.00} on the date XX/XX/year>. XXXX XXXX went to his bank, ( CHASE Bank ) in XXXX CA, to deposit the check. XXXX XXXX deposit the check through the ATM on the date XX/XX/year>, the next day he found out his account was block. He called the bank and they told him it was because the check he deposit on he date XX/XX/year> need to be verify by me. On the XX/XX/year> we both i and XXXX XXXX went to the CHASE bank to verify the check, it took us more than a hour speaking to the bank associates. After all the work before we left they told me and XXXX XXXX that in XXXX to XXXX business days XXXX XXXX was going to receive a check with his priviest balance plus the check he deposit for the mount of {$1500.00} because they close his account. XXXX days pass he receive a check by CHASE bank with only his previous balance before deposing the check I made for him of {$1500.00}. So he was missing the {$1.00}, XXXX XXXX went to the bank and once again they told him that the check need it to be verify by me. Once again we both went and the same story, we went like more than 10 time. I even took a interpreter just in case if i was misunderstanding something, my nephew XXXX XXXX went with me and it was the same thing. So I ask CHASE bank to please return that money back to my account and I'll just pay XXXX XXXX cash. The Bank CHASE hasn't fixed this problem, they don't want to return back my founds back to my account, they have ask me more than ten time to verify the check, they have cashed the check and nothing has happens. I had to pay XXXX XXXX again {$1500.00} in cash.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

To whom it may concern, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, Iam writing to request the method of verification for the following disputed item ( XXXX ) : XXXX XXXX XXXX Account # XXXX. Reason for dispute is because of inaccurate information and errors on account. The account states open, which the account is closed. The open dates are inaccurate. Also, the active date shows XX/XX/XXXX on XXXX, XXXX it shows XXXX and XXXX it shows XX/XX/XXXX which is three different dates, so that's inaccurate. None of the account 's fields are filled out, and it should be filled out. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CO)

We had fraudulent use of our American Express card on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It was a card that is and has been in our possession and has remained unused for years. We were not present in the state it was used in supposedly with card present. I reported it as soon as I noticed the auto pay out of my account to AmEx. This is obvious fraud, it was used for a cash advance at a place called XXXX XXXX. American Express has supposedly investigated but they send a copy of a receipt with a signature that is clearly not correct and again reiterate we are responsible for the charges. They will not even look at our proof that we werent in that state, or ask for a signature or acknowledge that this was extremely atypical use of the card that should have been flagged as suspicious immediately. In our user agreement American Express states the card holder is not responsible for fraudulent charges appropriately reported, yet they will not investigate this matter deeply enough to understand whatever card was present was not the one issued to us. We also are checking into whether we can file a police report on this matter to help document the situation.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Spoke to XXXX  in Customer Service XX/XX/year> she stated there is foreclosure sale date for XXXXXXXX XXXX2024. Trial modification was approved modification approval mailed Friday XXXX, 2024. She also said SPS loss mitigation dept. spoke to me XXXX XXXX, 2024, and I gave consent to accept the modification trial offer. I told her this conversation never took place. I asked who the law firm was officiating the foreclosure sale. She advised it was XXXX XXXX. I stated I never got a letter from SPS or law firm stating my home had a foreclosure sale date or it was in pre-foreclosure. She added 1st payment for modification trial is due XXXX XXXX, 2024. Requested to speak to relationship mgr. XXXX # XXXX, she stated he wasn't available, requested call back from relationship manager. Spoke to XXXX Supervisor XX/XX/year>2024 she stated a letter was mailed out for foreclosure sale and trial modification approval XXXX, 2024. I stated there is not to be a foreclosure sale date on my property if there is a trial modification approval and I never received mail on foreclosure sale. She also stated payment is due on XXXX, 2024 and I did not have until the last day of the month to make payment. I have not received any mail with the foreclosure sale date or trial modification approval. She stated SPS doesn't always give the homeowner mail time to receive documents or make the payment the foreclosure attorney just sets a sale date. I added I feel I am being discriminated against because of my age, color of my skin. I also feel SPS is trying to foreclose on my home by not providing notices by mail of their servicing 's practices. I researched internet saw several lawsuits from FTC & CFPB. Supervisor customer service was very rude if I ask questions on my account.
Consumer complaint received 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (TX)

XXXX. XX/XX/XXXX I ask to remove my private mortgage insurance over the phone. 
They send me the PMI remove request form which arrives on XX/XX/XXXX. 
XXXX. I send PMI removal request form along with BPO fee of {$150.00} fee in the form of check. 
I confirmed with mortgage company how to write the check but no one gives straight answer. I could clearly feel they just trying to give me hard time. After couple of days of my pursuit on this question I finally find a person on their line who tells under what name check should be drawn. This should have been originally mentioned in the form on how to send the fee if not any of the agent on their customer support line should be able to answer. But they made it incredibly difficult for me. 
XXXX. I finally send the check and PMI removal form on XX/XX/XXXX. My bank statement shows check is withdrawn on XX/XX/XXXX. 
XXXX. XX/XX/XXXX I get mail from them regarding this correspondence I have initiated. 
XXXX. XX/XX/XXXX they send the letter that they have not received BPO fee. And They are asking me to restart the process all over again. That means send the PMI request form again along with BPO fee. They also give the reason that validating period is expired. 
They never mention about any validity period initially while sending the form first time. 
They are bringing the surprise of validity period and not acknowledging the payment they received. 

Please find the attached proof all the correspondence and proof that BPO fee was deducted.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC. (MI)

I am writing to file a complaint regarding a promotional offer that SoFi Bank failed to honor. The promotion, which was advertised through XXXX XXXX, stated that an individual would qualify for a {$400.00} promotional credit to be added to their savings account if they opened a savings account with SoFi Bank and made a direct deposit via ACH of {$5000.00} or more within a 25 days of opening the account.

Following these instructions, I opened a savings account with SoFi Bank and made the required transaction from my bank account via ACH payment. I strictly adhered to the terms outlined in the promotion and the banks terms of service.

However, upon contacting SoFi Bank, I was informed that my ACH payment was not recognized as a direct deposit by their internal systems, and therefore, I did not qualify for the promotion. SoFi Bank representatives stated that in order for me to qualify for the promotional credit, my direct deposit needed to be recognized as such by their system as a direct deposit and these was not a direct deposit ( confusing I know ). This was despite the fact that the transaction was indeed an ACH payment, which is generally considered a direct deposit under standard banking practices as well as being accepted under their terms of services. Over the course of three live chat session
s, I explained to SoFi representatives that I am the owner of the business, and the transaction was made via ACH as a direct deposit, fulfilling the criteria set forth in their terms of service. Despite my efforts to clarify this, SoFi Bank refused to honor the promotional terms, asserting that my ACH payment was merely a deposit and not a direct deposit. They maintained that an ACH payment does not qualify as a direct deposit, contradicting the standard definition and the definition in their own terms of services.

Furthermore, I inquired with the agents if there were any other terms of service that I might have violated, but they were unable to provide any additional reasons for denying the promotion. After being refused the promotional credit multiple times, I decided to empty the account and have not yet closed it pending the investigation Consumer Financial Protection Bureau of the I believe SoFi Bank has failed to honor its own promotional terms and misrepresented the conditions required for the promotion. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in resolving the issue, ensuring that SoFi Bank adheres to fair practices in its promotions. 

Additional Ive documented all live chats, the terms of services, the transaction records and additional documented evidence which I would be happy to provide.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (FL)

Here is a draft for your CFPB complaint against BMW Financial Services based on the document you provided : -- - **Subject : ** Illegal Repossession and Demand for Vehicle Release **Complaint Against : ** BMW Financial Services XXXX*Account Number : ** XXXX **Vehicle VIN : ** XXXX XXXX*Complaint Details : ** On XX/XX/XXXX, I sold my vehicle, XXXX XXXX, to XXXX XXXX XXXX. He is now the legal owner of the vehicle, holding a free and clear Florida title. Prior to the sale, the lien on the vehicle was released on or about XX/XX/XXXX, after payment was received and processed by BMW Financial Services NA. This release was confirmed by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), which provided a title reflecting no liens. 

Despite the lien release and subsequent sale, BMW Financial Services authorized a third-party company, " XXXX XXXX '' to repossess the vehicle illegally. This action was carried out without verification of ownership, as confirmed by " XXXX XXXX '' during a phone conversation. This repossession constitutes an illegal seizure of property and a violation of the rights of both the current owner, XXXX XXXX XXXX, and myself, the previous owner. 

I have already filed an arbitration claim with the XXXX against BMW Financial Services and BMW Bank of North America. Additionally, I intend to file a lawsuit against " XXXX XXXX  '' for their unlawful involvement in this matter. 

Please address this complaint promptly to prevent further legal action.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.