BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My Toyota financial payments are made through EFT transaction. On XX/XX/2017 XXXX deducted the wrong amount from my bank account. My correct payment amount is {$380.00}, but Toyota deducted {$310.00} which is an incorrect amount. I was not aware of this until my credit monitoring service notified me on XX/XX/2017 that I had a derogatory mark on my credit report. After investigating I learned that Toyota Financial had reported my XX/XX/XXXX payment 30 days late. After checking my bank statements for the prior three months I noticed that the XX/XX/2017 payment amount that was deducted from my account was not the correct amount. I logged onto my Toyota Financial account and saw that I had an outstanding balance of {$63.00} and a late charge of {$3.00}. Next, I called Toyota Financial and spoke to a customer service representative. I explained what happened as best as I could, but the CSR had a heavy accent. I could not understand her well and she could not understand me - she repeatedly asked me the same questions over and over and could not understand my answers. In the end she told me there was nothing she could do and that I would have to dispute the matter with the XXXX credit reporting agencies. This error on Toyota 's part has cost me XXXX points on my credit score. That 's exactly how much lower my score is now. I spent several hours on the phone this morning with the XXXX credit reporting agencies : XXXX, XXXX, XXXX and XXXX. XXXX told me they would remove the error immediately. XXXX told me they would file a complaint against Toyota Financial and review the dispute and rule on it within 30 days. XXXX and XXXX told me they would review the dispute and rule on it within 30 days. This error has caused an undue amount of hardship. I want Toyota Financial to correct my credit report with all of the agencies they report to and refund the late charge to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The closing date was clearly socialized to the lender, for a XX/XX/XXXX closing. At every step and every document I sent over, I asked in writing if we were still on track to close on time, and I was told yes. At the very end of the process, I was told 5 days ago that I was required to do something previously, and only given 1 single day to perform this task, and the request for this was made in the evening, after business hours. There was no prior indication of a deadline for when this task needed to be completed, nor any mention that it was an impediment to closing on time. Furthermore, I was not informed until today via phone call that because of a change in purchase price, the lender is required to request an approval from the third party appraiser on the change in price, wherein the change was to drop the purchase price down to the appraised value. This comes as a shock because I sent over the signed addendum to change the purchase price 10 days ago, but the request on the lender 's side to get this alleged required approval for final underwriting was not submitted until this morning, XX/XX/XXXX. When I asked for a written response as to why the delay occurred, I was given a vague statement and blanket apology, and no real reason for why the process was delayed, nor why the request was not made previously. 

Late this afternoon, the lender reached out to the title company to request a change to the closing date to next Monday, XX/XX/XXXX. 

As a result, I am incurring more costs in rent, and the seller is incurring more costs in their HOA fee and property tax which should have stopped after today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
RE : PayPal, XXXX, XXXX & XXXX, XXXX. Fraudulent rental listings paid for through PayPal. 

I am currently XXXX with XXXX and XXXX. I was force to sleep in my car due to the fraudulent and malicious acts by XXXX, XXXX & XXXX XXXX XXXX XXXXpaid through PayPal wallet. I was denied and defrauded of a public accommodation. 

On XXXX XXXX, 2016 at approximately XXXX I contacted XXXX, a subsidiary of XXXX XXXX ( XXXX, Ma. ) and XXXX based XXXX. These companies book hotel rooms, flights, etc. I responded to an ad on XXXX website to rent a private room & bath at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at {$40.00} per night. I contacted XXXX customer service to ask questions about the owner, rental cost, etc. prior to booking. After negotiating booking the room for 2 days ( XXXX ) and a second agreement XXXX ( recorded statements ) to rent at same rate the owner XXXX XXXX contacted me to say that " he forgot to change seasonal pricing and would not honor booking '' and he proceeded to cancel my booking. ( bait & switch ) After a few hours, I went to address of where I booked room and address did n't exist. This was a fraudulent and illegal transaction in which I contacted XXXX, XXXX, Paypal and XXXX XXXX. When speaking with Paypal customer service I was informed that I was the XXXX person that day to call regarding same scenario with XXXX & XXXX XXXX. There is a pattern of fraud here involving wire fraud and deceptive business practice and circumventing it through XXXX via PayPal. When payment was made through PayPal I assumed the money was being paid in the U.S. but received confirmation from XXXX XXXXXXXXXXXX. PayPal is aware of the fraudulent activity by XXXX, XXXX XXXX XXXX, XXXX. but did nothing to protect me or my money and also was collusive in violating my rights as a XXXX person ( XXXX federal law that prohibits denial of public accommodations for the XXXX ) Please investigate and I would like to have charges brought against all involved with this scheme and also seeking restitution and damages. FBI 's XXXX and AG of Massachusetts & XXXX XXXX, Ca. have been contacted. I have a trail of emails from XXXX, XXXX XXXX and XXXX. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). 
During my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. 
I have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.

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 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I took my husband 's last name & moved to his hometown when I got married 10 yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.

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 2017-01-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have Signature Student loans with Navient ( Formerly XXXX XXXX ). After reviewing all charges on my loan balance, I found a mysterious " repayment fee '' of {$280.00}. I called to get information on this and get this taken off. I was told that it was a fee charged when my loan entered repayment status. It was a percentage of all outstanding loans on my account. When asked for a credit of this, I was told that it was part of the original terms of the loan and can not be changed. I 'm sure I overlooked it in the fine print of the terms I signed on the loan over 10 years ago ; however, still left a bad taste in my mouth. I am currently working hard on paying off these loans, like millions of Americans. Hopefully they this get added to the " unfair practices '' section on the new lawsuit filed earlier this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested the following documents about my mortgage from SPS but the website keeps giving me an error message. 

Note Rider ( s ) Mortgage/Deed of Trust Truth in Lending Statement HUD-1 Settlement Statement Additionally, SPS has stuck me with a loan modification program that has a large balloon payment. I need help. Please remove the third installment of the principal that was forgiven and tell me if you can either remove additional principal or make the loan fully amortized. 

Additionally, I also wish to stop escrowing for taxes and insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy in XXXX to re establish my credit after having XXXX where there were excessive hospital bills and I was laid off in XXXX from XXXX XXXX and could not recover. My intentions were to reestablish my credit with hopes of gaining credit worthiness. My mortgage was reaffirmed in the XXXX on XXXX XXXX and bankruptcy was discharged in XXXX of XXXX I just became aware that my mortgage company Flagstar Bank has not been reporting my monthly payments since XXXX and has the mortgage listed in the Bankruptcy which has affected my credit score and worthiness immensely. I am now on a mission to gain my worthiness and score back due to their horrible oversight. I have purchased XXXX vehicles in which the interest rates are extremely higher due to the negative impact as well as I have been denied several lines of credit, they have ruined my hopes at re establishing my credit. I now have several inquiries on the report for credit that I was denied for due to their mistake and oversight. I am paying higher car notes/ interest rates due to this oversight and as hard as I have been trying to reestablish myself this has held me down despite every mortgage payment being paid onetime via ACH every month and me also paying every other credit card and car note onetime. I am also spending several hours of time on the phone and internet trying to get this issue resolved and regain my worthiness so that I can move forward.

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 2021-01-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted through my credit bureau apps that a new collection account was listed on my credit report. I have no knowledge of this debt, I received no mailings or communication from Medical Systems to review or validate debt just an immediate placement onto my credit report. I have informed the bureaus and placed a fraud alert on my credit profile along with the police report number.

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 2015-12-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citizens Bank charged our account {$230.00} in overdraft fees for XXXX overdrafts. The charge appeared on XXXX. The XXXX overdrafts occurred, they say, on XXXX. Never once did the running balance of the account go below zero -- there was never an overdrafting of the account to justify any fees at all. The account running balance never dipped below {$40.00}. 
I have asked Citizens Bank for the refunding of the fees and I have not received it. They gave me an incident confirmation identifier of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My ex-husband and I went to BB & T Bank after he was diagnosed with XXXX to add me to his bank account by completing the paperwork and completing a signature card. We brought wirh us a power of attorney, and was told it was not needed because we were both present at the bank. This was done for the sole purpose of getting things in order as we were told he had a minimal amount of time to live. After this was done I did most of the banking transactions which included making deposits and paying the bills. In XXXX 2016 I made a deposit and went back in a few days later to cash a check and they froze the bank account and could not find the signature card. I have unable to pay any bills out of this account. They acknowledge that the problem was the banks error, but said they have rules they have to go by. I am unable to access this account from the funds I have deposited.

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 2017-04-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I previously requested a modification on my home loan with  Wells Fargo. While the modification was pending..payments  were made, but not applied to my loan. I was advised that the loan must first be in default before the loan can be reviewed for the modification. This resulted in my loan showing more delinquent than the loan actually was on my credit. The lender then appraised the home for more than the value of the home and did not provide a copy of the value obtained when requested. The principal balance was then increased excluding the payments made and not applied at the time of the modification.  Wells Fargo  excluded the payments and based the monthly payment on now a more significant appraised value and raised the monthly payment by several   XXXX   XXXX  . I was forced to accept the terms in order to save my home and was now severely delinquent. At the time of the modification the principal balance was increased to more than the value of the home at that time and the previous payments made were now misapplied. I followed up with the mortgage company in regards to the misapplied payments made during my modification review and they in turn researched it and after several phone calls and months, reversed them but indicated the payments could not be applied to the mortgage payments, but had to be put on the principal balance, in putting the payments on the principal balance, no restructure took place to lower the principal to reflect the funds applied. So.. to me if felt as if there was no resolution. I fell behind on m y HOA f ees trying to regroup from the now increased payments that caused an additional hardship.     To make matter worse, I am in a community property state and from what I am being told, the modification was recorded incorrectly.

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 2017-03-20
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2017 I went to the BB & T Bank to close my checking account. I advise the teller this is what I wanted to do and withdrew the {$350.00}, I thought remaining in the account. He advised me the account was now closed. I thereafter received notices of NSF as BB & T paid a bill on this closed account. I had made steps to have this billed paid at my new customer friendly bank, that values small business relationships with seniors, XXXX and veterans. I then went to the BB & T bank in XXXX, PA on XXXX/XXXX/2017 and was informed the account was {$220.00} over drawn. They gave me back {$76.00} of {$130.00} in nsf fees. I feel I should get the other {$56.00}.

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 2015-09-06
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money thru western union on XXXX/XXXX/15 amounting to {$2700.00} for emergency surgery of my sister and was told that the fund will be readily available. My sister tried to get the money on XXXX authorized western union office in the XXXX XXXX such as XXXX and XXXX but was told that the money is not available and they do n't have enough funds asked to come back on XXXX/XXXX/15 which is 5 days after the money was sent, she as also advised by the XXXX agent to leave the claim form without the money being released which sounded kinda fraudulent. I called the customer service here in the US but agent is not helpful and incompetent to handle the issue, i submitted a complaint to western union website but up to this time i have n't received any form of follow up from them. Pls help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request via certified mail # XXXX ( " QWR Letter '' ). I enclosed XXXX exhibits labeled A, B, and C with the QWR Letter. 
The QWR Letter stated in part, " I am requesting all available information on each of the entries listed in Exhibit A ( copy enclosed ), including but not limited to : 1. ) What party or parties were paid each of the fees and costs removed ; 2. ) What services and/or products were provided by each specific party for the fees and costs they were paid ; and 3. ) What is the identity of each party or parties that paid or advanced funds for each of the removed items. '' Exhibit A identifies over {$23000.00} in FC ATTORNEYS FEES and ATTORNEY ADVANCES listed in Exhibit B " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. In its response letter dated XX/XX/2016 ( " QWR Response '' ) SPS stated, " In your inquiry, you requested information on various entries listed in your Exhibit A, which reflected the Expenses Paid by Servicer amounts. With regards to your requested clarification regarding the identity of the entity paid, the requested information is either proprietary or confidential ; therefore, we will not be providing such information. '' To this date I have never received any explanation outside of the frivolous QWR response letter from SPS regarding my QWR request about the more than {$23000.00} in attorney charges. This is curious since I have never been sued by SPS nor have I sued them as of the date of the filing of this complaint with the CFPB. Additionally, I have never had a judgment that included attorney fees awarded against me in any court action related to my home or any mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called a friend of mine who I also regulatory commission services from, using information from a third party they are affiliated with. This person also happens to be a friend, but is not listed as a contact on my account what so ever. The only way they could have gotten her phone number, would be to use a third Party they are affiliated with, to see who I have sent money to, and called their contact number on their account. 
They clearly stated they where calling from a Credit company and looking for me. This alerted them to the fact I have debt, and I 'm behind in it. 

I have NOT used their payment method to pay this client, I have always paid using the third party they are affiliated with, direct from my bank account. Even if I had, they still should not be calling a XXXX party, in another state, there would be XXXX expectation I would be at their house, or picking up phone calls from their personal phone.

Company response to consumer: Closed with non-monetary relief