BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I secured a XXXX loan with Hyndai Motor Finance. My monthly payments are {$550.00}. due and payable on the XXXX of the month. On XXXX XXXX I made XXXX payments to Hyndai Finance. XXXX from my personal bank account and the other from my business account. I could n't stop the personal account payment because it was automatically deducted from my account. On the XXXX of XXXX I called Hyndai Finance and told them I had made a XXXX payment and requested a refund of {$550.00} because of this. I was then told by XXXX of their Customer service XXXX that he would arrange for the refund and I would be getting it shortly. Not true! XXXX weeks later I called Hyndai Customer Service back again, ( XXXX of the next XXXX calls I would eventually make to them ) and was told that I would have to wait a total of 20 business days till my refund was processed! I waited the prescribed amount of time and called again and again through XXXX XXXX. On XXXX XXXX I was told that my refund was being processed, they confirmed my home address and told me the payment " was in the mail '' ... Today, XXXX XXXX, 2015 I called because I had not received the payment and asked why ... I was told today that I needed to confirm with them that the original payments had been made and negotiated by the banks!!! 
Nonsense! they knew this was so on the XXXX of XXXX and acknowledged this to me! 
I have yet to receive the refund..I am helpless in this situation and have no idea when I will be getting my refund ... I have been ripped off by Hyndai Finance and do n't know how to solve the problem other than filing a law suit against them, which I believe I will do if I get no satisfaction this week. 
Hyndai Finance is a predatory scam operation..Their business practices are XXXX step below criminal..Their Customer Service Operation is nothing more than a " slip of the tongue, service, tell them what they want to here with no solutions to any problems ''. They do n't deserve to be in business nor do they deserve the fiduciary responsibility of taking my money. 
I would appreciate any help you can give me in resolving this situation..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Back in when I was first looking into attending college, a Wells Fargo banker gave me the impression that I needed a private student loan in order to cover school expenses that did not directly relate to tuition, such as purchasing a laptop for school. Since that time, I 've discovered that such information was false and that one does not typically pursue private student loans unless the cost of tuition exceeds the total amount of public loans/grants that available publicly. 

The result of this misleading information was that I signed up for a pair of private student loans to fund my XXXX college education, and I 've been stuck paying over {$200.00} a month for several years since the end of my education -- well over the average amount for most college students. 

In addition to obtaining this misinformation relating to college funding, I 've been denied student loan consolidation through Wells Fargo, even after having been pre-qualified for it. Wells Fargo initially miscalculated my income as having been bi-weekly instead of weekly. I corrected this information and was still denied the loan, and I never received an explanation regarding the denial.

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 2018-05-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a private loan with Navient which used to be Sallie Mae. I have requested they lower my student loan payment in which on XX/XX/XXXX I was denied repayment options because : " After financial review you and/or your co-signer appear to have the ability to maintain the contractual terms. My co-signer is deceased. I have sent Navient his death certificate and they are still sending me mail with my fathers name attached to notices. They either have lost/or mishandled important documentation stating that I no longer have my co-signer available to help with paying my loan. 

On the month of XXXX my Mother received a call saying I was delinquent and I would be sent to collections if I did not pay before the beginning of XXXX. I called two months previous making sure I was put on a scheduled payment plan. One payment to be taken out on the XX/XX/XXXX of every month and one to be taken out on the XX/XX/XXXX of every month. When I called them to pay the requested amount they told me that I owed even more money because I was taken off auto-pay. They also said they no longer had my phone number to contact me. They allowed this to go on for two months increasing my interest rates and charging me late fees. This is harassment to be told I have to pay or I will go to collections and it is illegal they are increasing my interest and charging me late fees with their own mishandling of my account. They are already being sued for these allegations. I would like to make a formal complaint and find out how to either be dismissed from this loan or to receive repayment. 

The company has refused to lower my payments and continues to tell me that I will be sent to collections due to delinquency. I do not have a cosigner to help assist with me the amount of money they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Company admits their error in delaying loan modification resulting in negative credit reporting, yet refuses to correct their error on credit report. 

In a letter in response to the CFPB complaint on XXXX XXXX, XXXX, Wells Fargo clearly admitted their error when they stated : " A review of your account confirms that the information you provided to us on XXXX XXXX, XXXX, was the information that was required from you in order to clear title so we could move forward with the settlement of the loan modification. We are moving forward with the final decision based on the trial plan approved XXXX XXXX, XXXX and the modification approved XXXX XXXX, XXXX. We apologize for any inconvenience this may have caused. '' Inconvenience, really? The emotional pain and suffering from not being able to obtain housing, employment, rental cars, credit cards due to their erroneous credit reporting was beyond inconvenient. According to Wells Fargo 's own admission, they are directly responsible for the late payments they are reporting to the CRAs from XXXX XXXX to XXXX XXXX. 

However, this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First, in XX/XX/XXXX after I had completed my 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they simply stated their reason for cancelling my loan mod was : " the program had changed and I no longer fit in the parameters of the new program. '' In their letter dtd, XXXX XXXX, XXXX, they patently lied when they responded to this allegation when they said : " you informed us that you were unemployed and unable to continue with the post-HAMP trial payments. '' The fact is that they refused to take another payment from me for the above mentioned reason of " no longer fit in the parameters. '' Again, in this same letter they completely fabricated the story that " they were not in receipt of the requested financial information. '' in regards to the special forbearance program I was approved for in XXXX but unable to complete after faxing my documents in no less than XXXX times. 

Wells Fargo initially claimed this was the case on the XX/XX/XXXX loan modification, but after I got the XXXX Attorney General involved, the truth came forward. If they initially lied about the XXXX loan mod, how hard is it to believe they also lied about the XXXX and XXXX attempts. 

I acknowledge that the initial delinquency in XXXX was my responsibility. But by every right, the first loan modification in XXXX should have been completed. Because of Wells Fargo 's error they have been reporting 56 late payments on my mortgage to the CRAs, which has completely decimated my financial life and has caused untold pain and suffering.

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 2015-06-01
Company: Parker & Associates
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving phone calls from several different debt collectors and a mediation service alleging that I have a debt with a payday loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-25
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a XXXX veteran and was attending college at XXXX University when I applied for veteran 's benefits with the Veterans Benefits Administration ( VBA ). I was determined to be eligible for veteran 's benefits. VBA concurred with my new career choice and training to achieve my employment goal. Therefore, VBA assumed financial responsibility for supporting my college training to include conducting a retroactive induction into training which covered financial responsibility for college training I had already completed in relation to my " XXXX appropriate '' career goal. VBA paid XXXX University for my training pertaining to my XXXX of XXXX. XXXX then returned these funds directly to the Department of Education and my student loan balances were cleared from my Federal Loans. Navient then placed these loans back onto my account. Despite ample evidence that these monies have already been paid, Navient continues to insist that since the funds did not pass through their hands, to clear my loan debt I must again pay these loan amounts to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Still being forced tobmake payments even while in school. They still reported my loan as not being paid on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CL Holdings LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company has failed to correspond regarding an account that does not belong to me. The number that I was provided no one never answers. I also have disputed the account with the credit bureau and have attempted several times to do a direct dispute with the original creditor and the collection but they have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: Real Time Group, Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. 
please refer to case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving on average 15 calls a day from a number XXXX, which is a company called Diversified Consultants. I finally answered to see who was calling. The person stated only my first name and said they did not need to state my last. They informed me I owed XXXX for a XXXX XXXX XXXX bill. I informed them that I have never had an account with XXXX  XXXX or XXXX, and the only time I lived in a region that may have offered that service was in XX/XX/XXXX,  although I know I selected XXXX XXXX and I had paid all of those bills. They stated no matter they wanted my SS # and Banking Information to resolve the issue. I stated it is not my debt and if by pure chance I did have an account with them in XX/XX/XXXX, I filed BK in XX/XX/XXXX so it would have be captured during that process, which was completed in XXXX, TX. 
They stated they wanted to be paid, I asked for them to verify the date of service, and to mail me verification of debt, which they hung up. I continue to get calls from this place, they have stated on another call that they will start placing credit reporting on other accounts ( do n't know of what that means ) on my credit report unless I agree to pay the 900 plus fees. I blocked the number as of now since they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Will you guys ever support XXXX or XXXX pay. It is such an inconvenience at stores because with the chips in the cards people never know if they have to slide or insert their cards. You guys support XXXX Pay. Why wo n't you guys support XXXX or XXXX pay? Please respond. 
Sincerely, A frustrated customer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made a report of fraud that some did still from my account so they resolved and closed permanently. But I also told they that they had credited me from the other company so I assumed they would just take the it off but no they waited three month then they take it of my account they knowingly waited that long to do that and harass me. There suppose to protect me from fraud as soon as it happens and not put me in a situation that contradicts what you did.

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 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I owned a checking account with Bank of America. The account carried no monthly fee due to there being a waiver on the monthly fee. I received a letter in the mail indicating that the bank will be converting my account into a different type of account which carries a $ XXXX monthly fee. However, the letter unequivocally stated that I will not be charged the fee due to there being a fee waiver on the account. A few weeks later, I discovered that the fee was charged and my account was brought into the negative. I went into a BofA branch located at XXXX XXXX XXXX. in XXXX, FL. I brought the letter with me and showed it to XXXX at the branch. XXXX studied the letter, and then nervously told me that he 's not a lawyer and could n't interpret the letter. I asked him to waive the fee, which he attempted to do but told me he could n't since the system would n't allow it. I was unhappy with this response, and told him that I would deposit cash to bring the account to a XXXX balance so that it could be closed. I did and XXXX closed the account. I chose to close the account because I did n't want to give the bank additional opportunities to harvest fees on the account. The {$25.00} fee had already been charged despite the letter indicating, clearly, that a fee " will not be charged ''. The charging of the fee was an unfair and deceptive practice, in that the fee was not reasonably avoidable, and the terms of the letter I received in the mail was misleading. I would like my {$25.00} refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27
Company: Southwestern Investors Group, LLC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Southwestern Investors Group llc and XXXX XXXX who was recruited by Southwestern Investors Group llc has been threatening to file a lawsuit against me and also have me taken to jail for possession over stolen property when I never stole anything. This is over a game stop card I could n't pay. XXXX XXXX has many complaints from other people saying they told them similar things about being thrown in jail. I feel jeopardized that Southwestern gave my information to this company. XXXX XXXX claimed to be lawyers which they are n't. Southwestern acknowledged recruiting these people to basically threaten me with jail. I have been depressed, anxious and scared. Southwestern also said they are not a debt collector ( which they are ) and are merely a debt purchasing company.

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 2015-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America provided oral instructions by telephone on a recast of my mortgage. I followed the procedure and submitted my letter of intent along with a payment of approximately {$15000.00} to be applied to the principal to complete the recast process and have a lower principal balance on which to calculate my new payment. My check for $ 15,000+ was applied to the principal upon receipt, but I never heard from Bank of America XXXX After repeated phone calls over a one month period, I finally reached someone on the phone who told me that we were denied the recast. There was nothing to be done about the {$15000.00} payment that had been applied to the loan. My payment remains the same. No letter of denial of the recast and no letter of apology for shabby treatment was ever sent to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please note I am seeking the assistance by the CFPB regarding a real estate fraud transaction pertaining to my primary residence. I have attached the deed of trust for each transaction I am contesting. I began to suspect fraud in XXXX after receiving mortgage statements from Bank of America for a loan in the amount of {$150000.00}. 
I never had a reason to believe I owed a mortgage since my property was paid off in XXXX ; here is the recorded document with the County Recorder 's Office of XXXX XXXX : DOC # XXXX However since my own investigation and unsuccessful attempt to have Bank of America assist me with my complaints in XXXX, I began checking the title of my property. I began to pull all the grant deeds with the county recorder 's office and went so far as to track the notary publics to determine who signed on my behalf. I was determined to identify the individual who had cashed out on my home and since than I am seeking the assistance of the District Attorney to validate the following transactions that I did not solicit : DOC # XXXX XXXX {$88000.00} DOC # XXXX XXXX {$90000.00} DOC # XXXX CountryWide {$50000.00} ( home equity line of credit ) DOC # XXXX XXXX XXXX XXXX {$70000.00} ( home equity line of credit ) DOC # XXXX Bank of America ( FHA LOAN ) {$150000.00} I have been making payments on the Bank of America/ FHA loan in fear that I may lose my home regardless if I did not acquire that loan. I just want to get to the bottom of this and fix this fraudulent situation immediately. I apologize if I can not provide specific dates, descriptions of the transactions or individuals since I am declaring the above transactions were completed without my consent or my presence. 
You may reach me at ( XXXX ) XXXX. 
Kindest Regards, XXXX 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 2015-04-15
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed