BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am submitting this complaint myself. There is no third party involved. This submission is an addition to the complaint I mailed in already against this company. 

I entered into a consumer close-end credit transaction with this company along with the dealership XXXX XXXX XXXXXXXX XXXX also  known as XXXX XXXX XXXX XXXX XX/XX/2021 for which the contract I was given lacks multiple disclosures and there are some billing errors that need to be fixed : XXXX. Billing error # XXXX in the contract is the number of payments and the amount of payments. Under Regulation Z also known as XXXX, the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me ; 2. The XXXX billing error can be seen on the XXXX XXXX ( The amount of credit provided to me or on my behalf ). The company should provide additional clarification, including documentary evidence, of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) and Generally accepted auditing standards ( GAAS ) ; 3. Another possible error is the Seller-Creditor section of the contract where this company is not listed as the creditor ; 5. There was no diclosure or forms provided to practice my right to rescind in accordance with 12 CFR 1026.23 ; 6. There was a lack of disclosure about the finance charge in accordance with 12 CFR 1026.4, including not disclosing that it shall include all interest, downpayment, service fees, etc. and that the finance charge shall be the sum of all charges ; Learning these things after the consummation of the transaction, I took the following steps : 1. I provided both companies my notice of rescission of signatures within the timeframe allowed as specified in 12 CFR 1026.23 ( a ) ( 3 ) ( i ) ; 2. I provided both companies a notice of billing error in accord with Regulation Z, 12 CFR 1026.13 ( b ) ; The effects of rescission as required in accord with 12 CFR 1026.23 ( d ) have not been performed or notified/delivered to me, and I have not received further communication addressing any other points on this matter. 
Copy of the contract referenced above is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 years ago it appeared on my credit report, and received a letter from Chase Bank that it was opened several years ago for {$10000.00}. Payments were made for years then stopped. I've never had a credit card with them, it was disputed with XXXX and removed from my credit history within 24 hours. Now this company called XXXX has been calling, today was probably the 10th phone call, but the first time I spoke with them. They even called my mother 's home! Chase should contact them as well and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I submitted a XXXX XXXXXXXX XXXX XXXX XXXXXXXX  for employment at the XXXX XXXX XXXXXXXX from XXXX to have time credited to my account for loan forgiveness under the time-limited waiver. I submitted an additional documentation of more months of employment XX/XX/XXXX. These forms were transferred transferred to Mohela in XX/XX/XXXX according to XXXX Mohela said that they would catch up with processing this documentation after the XX/XX/XXXX XXXX deadline. It is now XX/XX/XXXX and I have still not received any information. There is no information on the Mohela website that the waiver documents were transferred or are in the process of being reviewed. 

I am very concerned because ( XXXX ) some of the time I submitted XXXX have counted under the waiver, and not outside of it and ( 2 ) President Biden says that payments can restart within 30 days of a resolution to his XXXX loan forgiveness plan. I want to ensure that payments are applied using waiver guidelines. I think I XXXX have met the required number of payments, and I do not want to start payment if that is true.

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 2020-11-25
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My issue is with the " Origination Charges '' simply stated I was charged a fee of {$3300.00} but my origination charges should have been {$440.00} ( A difference of {$2900.00} ) Its been a month now and below email is the last correspondence received from Penfed. I received a partial refund but still owed {$350.00} On Fri, XX/XX/2020, XXXX XXXX XXXX, XXXX XXXX wrote : Mr. XXXX, Ive done the research this morning and I can see that you are in fact missing funds. Based on the amount that was approved for the concession of {$2900.00} and the amount that was deposited into your PenFed share account of {$2500.00}, we still owe you {$350.00}. 

I have emailed XXXX my findings and will reach out to you once I hear back from

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 2018-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage wtih Fifth Third Bank. Our taxes and home owners insurance are paid from our escrow account. Our home owners insurance payment was due on XXXX XXXX, 2018 for the amount of {$600.00}. 
Around XXXX XXXX, 2018, we received a letter in the mail from our insurance company stating that our policy coverage was cancelled due to non-payment. On Monday XX/XX/XXXX, I called Fifth Third Bank 's insurance department to notify them of the letter we received. The representative asked for the number to our insurance broker. I was told that insurance companies usually have a grace period and that the premium payment could be sent overnight if needed. I was then instructed to call back on Friday to verify that the problem had been resolved. 
We were unable to call back that Friday but called back Monday XXXX XXXX, 2018. I spoke with the same representative and the payment still hadn't been sent. I was instructed to call our insurance broker for Fifth Third Bank. My husband called the insurance broker on XX/XX/XXXX. The broker told my husband that Fifth Third needed to contact the insurance company. I called Fifth Third 's insurance department that same day and spoke with a different representative. I told him that the insurance broker said that Fifth Third needed to call our insurance company and provided the representative with the insurance company 's phone number. The representative called back later on XX/XX/XXXX and left a voicemail stating that he talked with our insurance company about reinstating our policy, and received the invoice for the premium payment to the insurance company. 
On Thursday XX/XX/XXXX, we received a refund check in the mail from our insurance company for {$600.00}. I contacted our insurance company on XX/XX/XXXX. The customer service representative verified that our policy had been cancelled for non-payment. I inquired about the premium payment and she stated that it had been received beyond the grace period and that the policy couldn't be reinstated. She directed me to call our insurance broker. I called our insurance broker on XX/XX/XXXX for a new insurance policy. On XX/XX/XXXX, I also called Fifth Third Bank 's insurance department and ask to speak with the supervisor to complain about how our insurance was handled. I was told that the supervisor was unavailable at that time. The supervisor called me later and left a voicemail stating that our account was being looked into and that we would be contacted. We haven't heard anything from the supervisor since the voicemail. 
Meanwhile, we have a new insurance company. The coverage began on XX/XX/ 2018 with a premium payment of {$680.00}, a {$77.00} increase from our original insurance payment of {$600.00} that was due on XXXX XXXX, 2018 and was supposed to be paid from our escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2018-08-07
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never used 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 2020-07-08
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020 I filed with XXXX  XXXX and reported XXXX XXXX and their collector Amerifinancial Solutions about the fraud collection of {$1300.00}. I am a veteran and was sent a letter of data breech along with another data breech from XXXX  some years ago. I have no idea what this debt is but I have sent a letter asking for it to be removed as this is fraudulent. They will not remove it. I also tried contacting the bureaus and they do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo issued a Personal Line of Credit years ago and subsequently violated federal banking laws, mortgage laws and and foreclosure laws. They have been identified as having opened accounts without customer awareness or permission, and have knowingly violated federal banking laws. 

This makes them a business that violates the AML and Patriot Act and as a result, I refuse to make any payments to them. I am in a business where such transactions are prohibited, and it is through their own fault that they are now an organization in violation of AML/Money Laundering and the USA Patriot Act. 

The account number is XXXX. 

They are claiming that an amount is owed of {$3800.00}. They have offered to accept a settlement of {$1500.00}, but that would damage my credit rating, which has already been damaged from illegal actions taken by financial institutions. That would also require me to pay taxes on the amount forgiven. 

I am seeking a total elimination of the debt PLUS an amount equal to the tax liability PLUS the damages for the damaged credit score that I have incurred from this criminal financial institution that has violated state and federal laws. 

I am seeking a full release from the {$3800.00} amount for the account PLUS {$1000.00} for tax liability PLUS {$500000.00} for damages and the higher cost of credit that I need to pay as a result of their criminal activity which forces me to either violate the AML/Patriot Act and make payments to a criminal financial institution or have a damaged credit score.

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 2018-10-01
Company: FULTON FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from DC Tax office last month stating that I didnt pay my taxes for the first half, as a result I owed {$810.00} plus XXXX in penalty. I was confused and I reached out to my loan officer ; XXXX XXXX, who confirmed that I paid my taxes at closing and they would take care of the tax bill including the penalty because it wasnt my fault. 
On XX/XX/XXXX, I received a letter from DC property tax office which confirms that my Tax AbatemenXXXX application has been approved and I do not have to pay property tax starting XX/XX/XXXX till XX/XX/XXXX. I emailed this letter to XXXX XXXX, who again confirmed he had forwarded the letter to the loan department. 
On Friday XX/XX/XXXX, I received a letter from XXXX Bank that my mortgage payment will go up starting XX/XX/XXXX? My monthly payment should decrease starting XX/XX/XXXX because I do not have to pay property tax till XXXX. 
I have called the number on the letter that was mailed to me, only to find out that XXXX Bank do not have a customer service department for mortgage loan servicing, just a general customer service reps who do not have a clue what I was talking about. 
I reached out to my loan officer, who just said I should call customer service. 
This is ridiculous and upsetting and someone has to be responsible for their negligence.

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 2018-08-06
Company: First Federal Credit Control, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Office visit dated XX/XX/2017 billed XXXX $ was sent to the wrong health insurance. I called them to provide the correct insurance card and they got paid XX/XX/2017. 

XXXX Hospital Billing still reported me to the Collections. 

I called the Collection ( s ) Agency twice to correct the discrepancy but was asked to pay first. 

I refused as I have proof of payment. 

I called the XXXX Billing again and reported the discrepancy few weeks ago. 

I found out that they have not corrected the discrepancy, and because of this, I am getting higher interest rate for home refinancing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/19 at approximately XXXX XXXX. I sent XXXX {$20.00} for tickets for a concert. They said they had two tickets for {$20.00} each and I sent them {$20.00} through the XXXX and {$20.00} through paypal. After I sent, they blocked me on XXXX XXXX. I never received the tickets and I am not able to contact them. They sent me their " Driver 's License '', but I am afraid they have stolen some girl 's identity and are using a fake profile to sell fake tickets to consumers via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XX/XX/2018 XXXX XXXX ) and XX/XX/2018 XXXX XXXX ), I was locked out of my checking account and unable to make ATM deposit 's ( due to ongoing malicious and internal ( Bank ) retaliation ( previously filed CFPB complaints ) and discrimination ( based on race, age, disability, national origin and sex ). Recently ( XX/XX/2018 ), I visited a local branch for the purpose of changing my PIN NUMBER ( CHECKING ACCOUNT ). However, my PIN NUMBER was changed ( internally ) by the bank ( locking me out of my personal checking account and preventing me from using my ATM/DEBIT card for transactions. The bank was asked ( in writing via CFPB ) to change AND restore my PIN NUMBER ( XX/XX/2018 ) back to my chosen PIN NUMBER on XX/XX/2018. As of today, the bank have REFUSED to adhere to the applicable laws which govern them ( violation of my privacy ). The bank and XXXX 's ( bank employee in the Executive Office ) ongoing, tolerated and maliciously practiced DISCRIMINATION and RETALIATION/REPRISAL continues to be practiced ( in an effort to force me to CLOSE my checking account ). Any and all information provided to the CFPB is for the use of the CFPB and shouldn't be used by the bank or it's subsidiaries. ALL supporting documentation, will be faxed to the CFPB.THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, PayPal limited my account and restricted access to my funds/ balance for 180 days. After review, they " decided to permanently limit [ the ] account as [ they ] found potential risk associated with it ''. On XX/XX/XXXX, I reached out to customer service to get additional information on their decision, as well as to work to resolve the issue. 

After some back and forth, I was told " it looks like our Acceptable Use Policy Team has determined something associated with your account that violates our Policy. I apologize but I do not have any further details regarding this. I understand, this can be frustrating for you but the decision is final '' I was unable to get any additional detail and told PayPal could not disclose any specifics on their decision. I was also told there was no appeal process. It seems unacceptable for a company to be allowed to hold your money without being able to provide specifics or a way to resolve the issue. 

If helpful, I have screenshots of my discussion with customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing in order to complain about the handling of a fraud case on my Capital One account. Capital One denied me the fraud complaint that I had opened up and rebilled charges back to me. 
The incident in question happened overseas while I was traveling in Pakistan on XX/XX/2021. I had a bag that had my wallet, mobile phone, drivers license passport copies etc that was stolen when I traveling from XXXX to XXXX at the airport. The suspect proceeded to use my credit card fraudulently of an amount {$6300.00} When I discovered, I immediately went to the police station and reported the situation to the police who took and registered my complaint. I was issued a formal police report ( which I have attached ) on XX/XX/2021. I had repeatedly gone to the police department sooner but the process to get a report took a long time. 
I subsequently forwarded the report over to capital one and was told the case was still being denied stating that because I had a previous fraud case they were not able to honor this one. I pushed them for proof of culpability and reminded them of their legal obligation to protect their consumer in this situation. They didn't care and were not able to offer anything else except denial of the case. I dont think capital one handled this case professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am referencing XXXX XXXX XXXX Select Credit Card by Citi and am a victim of " bait and switch ''. I called the credit card company which is run by Citibank and spoke with multiple people including supervisors and was told if approved I would get an immediate temporary credit card number so I could purchase my vacation and earn the mileage incentive that was offered in the promotion ( 30,000 miles if you spend {$1000.00} in the first 3 months ). 

If I was told I had to wait 7-10 buinsess days to receive the credit card to use it ; I would NOT have applied or taken out the credit card. To clarify I was worried that I would n't be able to use it immediatly so I called multiple times to verify this and was told MULTIPLE times that I would be given a temporary number to use immediatly if approved. 

After I was asured I would be given a temporary number ; I went to the XXXX XXXX website as instructed applied and was apporved. One approved there were several screens that indicated to click continue which I did assuming that it would give me the temporary credit card number. After I went through all the steps NO temporary number was given. I checked my email as I did receive an email stating I had been approved and it gave me my last 4 digits of my account but no temporary number. 

I was very upset because my fears were true ; bait and switch as expected. I assume that this has happened to others. I called several more times and was told that I would not be given a temporary number and I had to wait 7-10 business days to get the actual card to use it. I needed to book my trip today so  this was not helpful. 

To make sure I was n't crazy I called back and told them my situation I was wanting to book a trip today and saw the promotion and asked if I could get a number today to book my trip and the rep said no problem people do this all the time. Then I told them I had already applied and was not given a number and asked to speak to a supervisor. After a 45 minute wait I spoke to the supervisor and was told I had to wait 7-10 days. 

If you want to try this yourself call them at XXXX and ask them if they can give you a temporary number they will tell you yes. 

I am really upset as I know if i cancel this card it will effect my credit score in  addition this is a {$95.00} a year card. I suspect i will be charged the {$95.00} also. 

Do I have any legal recourse? 

Thanks you for your help.

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