BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-08
Company: Sierra Holdings LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I brought a 2009 nissan murano and was sold a lemon and thsi car almost killed my children and i .The sale of defective vehicles has a set of rules known as " lemon laws. '' A " lemon car '' generally means an auto with defects. Given there are about XXXX components in the average auto, include human error on the assembly line and it 's not surprising that a substantial number of " lemon cars '' are produced. The lemon law was established to protect your consumer rights by providing legal recourse after the purchase or lease of a defective new motor vehicle which fails to meet the manufacturer 's warranty after a reasonable number of repair attempts. 

If a manufacturer refuses or fails to offer a replacement or a refund for your lemon car, you have the legal right to file a civil action in a court of law. When you win a lemon law case, the manufacturer must : Provide a replacement or a refund Pay the consumer 's costs and expenses, including attorney 's fees The manufacturer can also be liable for a " civil penalty '' of up to twice the consumer 's damages ( usually the price of the defective goods ) State and federal rules are in place to protect consumers from auto dealer fraud when they shop for vehicles. Laws are designed to punish dealerships that take advantage of their customers and deal with deception and unfair practices by dealers. Auto dealer fraud law includes the FTC regulations ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. 

Many car dealers use financial fraud to sell their vehicles. Car dealers can trick you out of a low car loan rate ( APR ) you thought you had committed to. For instance, you purchase a car and sign for a low APR. A week later the dealer phones and says you did n't qualify for that low interest - apparently the loan you thought you signed was " subject to loan approval ''. Then they ask you for more money and increase your payments. To avoid this scam, do n't finance your car at the dealership. 

Another trick, called the " Straw Purchase '' happens when the dealer says you have a terrible credit score and need a co-signer. However, the dealer knows your credit score is so bad you would never qualify for a loan. He gets you to find a co-signer for the loan, but in the paper shuffle, it ends up that the " co-signer '' is the actual purchaser of the vehicle. 

Some car dealers can " forget to pay off your trade-in ''. You trade in a car that you still owe payments on, and the dealer is supposed to pay off the loan for you and add the amount to your new purchase. Then the bank calls : the dealer has not paid off the loan, the car is still in your name, the bank is charging late payments to your credit rating and you have no contract to prove that the dealer said he would pay off the loan. I am getting my lawyer intact for this company and XXXX place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Just about 9 years ago i underwent " training '' in the field of the XXXX. I was psyched about pursuing a career in XXXX, and til '' this day i feel as though i was scammed out of my money. 
After " graduating '' i found myself w/ no job placement assistance and no guidance from staff / counselors on how to improve my resume / reel for a better chance at succeeding. 
The equipment was outdated, the instructors ( XXXX XXXX ) to be precise, was also quite antiquated in his teachings, and was n't quite moving w/ the speed of technology. Most of his experience was with older models, so it was hard to go out on the field and not know all the glits & gadgets that were used in " today 's time/ '' Much of the XXXX equipment we used, was n't comparable to that of the equipment real XXXX were using, so it was a challenge to navigate through an " on the spot '' test when i was out interviewing. 
Even while attending school, my classmates and i heard complaints about the school, but we were so eager to get " our foot in the door '' that we pushed through. 
i '' ve kept in contact with almost everyone in my graduating class, and out of all of us, only XXXX person is actively in the field, employed & successful. 
Luckily for the rest of us, we were able to find other promising jobs in other fields, but i know i am not alone when i say i feel scammed by this school. 
I struggled with job stability, and with no help form XXXX XXXX, i found myself unable to pay my loan back. This has affected my credit drastically, and i am still working hard to build it. I must admit that i 've made little attempts at getting my student loan account in good standing, primarily because i am just now finding stability in my life, and so many other things were put in front of this. 
I owe more now, than i did when i first got the loan out, because my interest rate is through the roof. 
I would n't recommend this school to anyone, and honestly, i am one to give everything an honest chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had received a call a while back from iq international. I reached out to XXXX at XXXX in XXXX XXXX for my leasing agreement which they failed to provide to me stating they no longer have it. I had also emailed iq international to verify this debt at which they did not reply. I had also emailed them to stop calling me at which they did not correspond to. Also getting harassing phone calls from unknown, no caller ID, XXXX, XXXX numbers. Tried disputing this with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of today 's date : Portfolio claims to own this XXXX XXXX account. 

As of today 's date : XXXX XXXX claims to own this XXXX XXXX account. 

The only way to determine which collection agency actually owns this account is with a valid bill of sale from XXXX XXXX stating exactly which agency they sold this account to. 

Unfortunately, I have previously made the mistake of paying one collection agency, only to have another collection agency " park '' the same debt on my credit files six month later. Resolving this matter took over two years. 

I have learned the hard way the importance of a valid bill of sale. 

Upon my requests for a VALID BILL OF SALE : XXXX XXXX removed this account from my credit files XXXX XXXX removed this account from my credit files and ... Portfolio Associates unscrupulously provided the credit bureaus with falsified information, a very serious FCRA violation. 

Portfolio intentionally re-aged this account and increased the actual balance owed as an intimidation tactic to force me into paying this account. Initially Portfolio used XXXX XXXX 's name as the collection agency versus their own. 

I state intentionally because, written documents provided to me directly from Portfolio, as well as verbal communications, prove Portfolio has full knowledge of the " true '' account facts : the account open date, date of first delinquency, and account balance. 

On XXXX XXXX, 2015 I was verbally told by a supervisor, who insisted on reminding me that she has been doing her job for 7 years now : " I am sure we have a bill of sale somewhere. '' When I asked for her to please mail me a copy - she simply proceeded with her " collection dialogues. '' Any individual working in the collection industry for " 7 years now '' should know how vital a bill of sale is to proving to a consumer their company is the legitimate owner of any account. 

Upon my request to have the credit bureaus verify this information, Portfolio again provided each with the same deceitful information. 

I have tried to pay the actual balance ( according to Portfolio 's records ) in exchange for the deletion of this account from my credit files. They refused my offer. 

My last XXXX requests, 1. for a valid bill of sale, and 2. to correct the falsely reported information on my credit files, have been met with " we have already investigated this account. '' Portfolio Associates actions are nothing shy of criminal, and the FTC should investigate and hold them accountable. I have no doubt re-aging debts and parking unverifiable debts on a consumers credit report is common practice for Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned my XXXX XXXX XXXX on XXXX XXXX, XXXX, to XXXX XXXX XXXX in XXXX XXXX, VA, upon the maturity of a lease. However, I received a bill in the amount of {$970.00} on XXXX XXXX, XXXX. The bill included a $ XXXX lease payment, {$350.00} disposition fee, despite the fact that I received a confirmation over the phone on XXXX XXXX, XXXX, that these charges will be waived after my spouse 's lease of a new XXXX. He did end up leasing the vehicle to save on charges. 
The most disappointing fact was that the bill included {$410.00} charge for a windshield chip. I do not recall the chip. When I was dropping of the vehicle, the dealer conducted the inspection and never mentioned the damage. I was told during the phone call that the third party inspection conducted on XXXX XXXX, XXXX, revealed the damage. My suspicion is that something happened to a windshield between drop off date on XXXX XXXX XXXX and XXXX XXXX XXXX. 
I tried to explain my situation to Toyota Financial Services, but no one could help. I do believe that there is a flaw in the Toyota 's system of lease returns. Consumers have to be informed by Toyota about the third party pre-inspection option. This has to be a required step during a lease return, so as a consumer, I witness the revealing of a damage. Otherwise, I am feeling that I am being billed for a damage that has been caused by someone else. Moreover, if I would have known about the damage, I could have fixed the windshield myself through my insurance for much more cheaper price. I believe that I had a coverage for windshield repair. It would cost me {$0.00}. Now, I am in the limbo of Toyota 's policies with an obligation to pay {$410.00} for something that I have not done. 

In addition, I had to call Toyota Financial Services 3-4 times to waive the charges for disposition and XXXX lease payment. I had to spend 1-2 hours each time to explain the situation and promises Toyota Financial Services have given me. Luckily, XXXX XXXX XXXX ID # XXXX had a time to discuss my situation and listen to me. We were able to agree on waiving $ XXXX XXXX lease payment, and {$350.00} disposition fee because they promised to do so if my spouse leases new vehicle. 

Despite spending hours over the phone with customer service representatives at Toyota Financial Services, no one was able to remove {$410.00} charge for a chip on a windshield. I was planning to write to Toyota 's corporate office, but came across the CFPB. I do hope that this complaint will require some policy changes at Toyota Motor Sales Matured Lease Services. 

As I mentioned before, I do hope that the pre-inspection will become mandatory prior to lease returns unless consumer waives it in written form and states that they wo n't disagree with post lease return charges on damages. I also hope that Toyota will be able to reimburse charges to consumers who truly believe/d that they were billed wrongfully. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: JAMES B. NUTTER & COMPANY
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am the authorized representative for XXXX XXXX. XXXX XXXX is the consumer who they say owes the alleged debt. 
XXXX XXXX, XXXX first communication was an introduction of who she was, her appointment, threat that she would be taking my mother 's property to sell, threat that if I do not agree with holding open house she would seek permission from a court to sell my property, threaten if I do not agree with her demands the house would be sold at a lesser price because of my non compliance and last she urged me to call her if I did n't want those things to happen. 
On or about XX/XX/XXXXI did call her to ask her what she was doing, she said another debt collector had all the right to foreclose on the property. I told her I did not agree with her open house. She threaten me again and said I will get a court order to sell your house without open house. I told her she had no right. 
XX/XX/XXXXI sent dispute letter, irs, and copy of rescission no response. 
Second communication from debt collector, court order allowing sell of property without open house. 

XXXX XXXX, XXXX sent cease and desist letter. 
XXXX XXXX, XXXX Third communication from debt collector, commissioner 's fact sheet. 
XXXX XXXX, XXXX and XXXX XXXX XXXX. Foreclosure notices with private information advertised in the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.

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 2015-07-21
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX XXXX XXXX XXXX XXXX , XXXX, in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, XXXX years later on XXXX XXXX, XXXX, XXXX is now representing the buyer of this debt, Cavalry SPV I , LLC, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, XXXX years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX County Superior Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Scheer, Green & Burke L.P.A.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called about a debt with a cable company in XXXX, OH. The debt is apparently from a cancellation fee due to the fact that I moved out of the service area. I never signed or agreed to any such fee. When I called back, representative did not verify any information on myself and threatened to garnish wages, send to a lawyer and other actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: City Enterprises, LLC
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Pace Financial in XXXX, TN is horrible & when your unable to make your scheduled monthly payment they call & say if you do n't pay by the end of the month your vehicle will be repossessed because we have to have it in here by the end of the month or it goes to managers review. They keep you on the phone when they call for XXXX or more mins lecturing you & repeatedly tell your hurting yourself & your car will be repossessed if you do n't listen to us!!! They have no compassion to your situation or circumstances!!! Def stay clear of this company!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I went to Check n Go on XXXX and I was told that I needed to provide a paystub because the XXXX on file was over 30 days old. I complied with the request. I was also told that I needed to provide proof of an active bank account. I showed the representative my my bank account info from my smartphone. I 'm XXXX XXXX. I noticed a XXXX male ahead of me asked for a loan for {$420.00} and he did not have a paystub and he was told that 's ok you do n't need XXXX because the one we have on file is just over 30 days old. He also did not ask him to prove he had an active bank account. I feel I was discriminated against. Everyone should be held to the same standards and practices. I just wanted to bring this to the attention of management to ensure that lending requirement are consistent with all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I mailed my XXXX car payment in as usual in XXXX. Per SantanderXXXX XXXX 's website they received my car payment on XXXX XXXX. 
Now, as of Sunday XXXX XXXX, they do not have the payment. I called onSunday and they were closed so I called Monday and started an issueticket. First, I was told they did not have my payment. Then, they did butit was returned. Then, they said the date must have been wrong ( XXXX ). Then, they said there was a stop payment on the check. All of theseare false, which I explained to them. I would have had to put the stoppayment, which I did not. A return would have shown through myaccount. It has not and the money has been sitting there the entire time. 
I called my bank to double verify this and they said nothing has evenbeen submitted for payment to them. I called Santander back and toldthem and they ca n't seem to find anything to provide to me to back uptheir claims. They are now claiming a stop payment. No one can tell mewhere my check is and now my acct is showing late and with late fees. Iwant my check found and the fees reversed. My main concern is mycredit. I do not want this reported as late when I paid it on time. I found it odd that my check had not been cashed as quickly as usual, but whenthe website showed it as received, I assumed the XXXX holiday had putthem behind and it would come through sometime soon. I just want mycheck cashed and my acct restored. Please help me as myself and myhusband have tried to work with them and they do not seem to beworking very hard to resolve this. 

Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Alliant Capital Management LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I specifically asked Alliant Capital management not to call my ex wife concerning my debt they did it anyway disclosing all my information to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I would like to clarify the federal government disclosure that reads At the bottom of page XXXX it states " XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both, to unknowingly make any false statements concerning any of the above FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. 

" XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both to KNOWINGLY MAKE ANY FALSE STATEMENTS CONCERNING ANY OF THE ABOVE FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. the box indicates that I signed the XXXX XXXX FHA Application number XXXX. The lender, underwriter and any other Wells Fargo XXXX went above and beyond to KNOWINGLY make FALSE STATEMENTS in each and every page of the Fannie Mae application. Once again, I will ask where 's my {$35000.00}? XXXX XXXX explanation contradicts what is clearly indicated on the Fannie Mae application. The appliaction states that there was {$.00} for the amount of mortgages and {$.00} for the total XXXX XXXX balances. I have never in my life come across such an egregious violation of Mortgage XXXX and XXXX XXXX in my entire 68 years on this earth.

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