BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I could not afford my student loans when I got out of college in 2010 because I could not find a job despite applying for hundreds. When I first got into college I had grants and federal aid but had to apply for the rest through XXXX XXXX privately and got a loan at about 4 % inrerest. I did n't even know what interest was as a XXXX year old high school XXXX! As the years went on, they gave me a harder time getting student loans and by the end they were at 10, 11, 12, even 13 % interest rate!! How can anyone charge so much for an education?! It is so criminal! Navient took over my loans and I had to file for forbearance for multiple months before I finally got a job. Once I got a job, o still could n't afford my payments so I called in and they lowered them! I did n't realize it but I was paying interest only for the last two years and barely able to afford it at $ XXXX/month for only my private loans. This past XXXX my interest only payments apparently ended and they payments have gone up $ XXXX/month to now $ XXXX/month ( again only my private navient loans, I also pay federal and dept of education loans ). I have begged them to lower my interest rate so I can have a chance of even getting close to paying them off! I have called and asked them to do income drive repayment plan but I make {$48000.00} a year and apparently this is too much! However, this is before taxes and does n't take into account my mortgage, car payment, gas, lother loans, food ( which I can barely afford ). I have been with my boyfriend for 8 years and want to get married and start a family more than anything in the world but I am afraid I will never be able to due to the criminal behavior of navient and XXXX XXXX! I have tried to consolidate through other companies but thanks to the interest rates my debt has built up so quickly I do n't get approved! Other than forbearance, I still find a way to make my payments every month while I fall behind in everything else. My education should not be ruining my life like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is showing a credit card that I was not an authorized user on and is not my debt. The other credit bureaus have already moved it from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
Hello. My problem is with Experian credit bureau. I have put in multiple disputes about XXXX XXXX and XXXX XXXX as being paid on XX/XX/2018 and or XX/XX/2018. I have spoke with both creditors and receive receipts from them both stating paid with a XXXX  balance as well. Both of these creditors agreed to report them as such. I have sent this proof to Experian and they keep reporting it as unpaid collections. Please 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 non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
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 graduated from XXXX school in XXXX with student loan debt of around XXXX. Shortly after, I received separate bills from many lenders. To make it easier, I consolidated them all with XXXX XXXX in XXXX, XXXX and enrolled into an ICR ( Income Contingent ) because I was a XXXX a making only XXXX a year. Several times they suggested that I go on financial hardship and defer my loans. XXXX XXXX did not tell me that the interest would accrue and be capitalized. Also, XXXX XXXX did not inform me that once you consolidate you ca n't ever refinance your loans - my interest rate is at 8.25 %. Finally in XXXX, I transferred my loans to Direct Student Loans hoping I could refinance at a lower rate and still was on the ICR payment plan. Direct Loans in turn sold it back to XXXX XXXX in XXXX and never got to refinance. During these years, I have been working in XXXX XXXX to make more money to pay off my loans. However, there is a high turnover rate and I am unemployed almost every 2 years. XXXX XXXX would put me on unemployment deferment over and over and again - the interest would accrue and capitalize without any explanation/counseling on how this works. From XXXX XXXX, my loans were under ICR plans both with XXXX XXXX and Direct Student Loans for a total of 16 years. Navient told me XXXX that during the years my loans were with Direct Loans they would not count those years for ICR. Also, those years while they were with XXXX XXXX - those ICR years do n't count either, because they said " Navient is a different entitity and XXXX XXXX no longer exists ''. Under ICR after 25 years my loans should be forgiven - where did my 16 years of payments on ICR go? XXXX, I was unemployed again. I called Navient and they suggested I changed to an IBR plan because he found no records on my ICR plan because, " XXXX XXXX no longer existed and they do n't have those records ''. This was a bait and switch because in my next statement my loans went up XXXX in one month. I called and they said it was because I switched plans ( which they suggested ) so the interest accrued and capitalized. My loans have ballooned from XXXX to almost XXXX and the repayment plan years for forgiveness have reset under IBR. At age XXXX and recently XXXX, I will never be able to pay them back and am again unemployed with no retirement or savings. I was the only one in my family to go to college, had no idea what I was doing with regards to student loans, and was never counseled or received loan education. Their predatory lending has ruined my life and am seeking full resolution for their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We currently have an open CFPB Complaint # XXXX on a matter of dispute with our loan servicer, Pennymac. Despite the matter being in dispute, this company wrongly charged our escrow account {$600.00} for payment of a disputed appraisal. The company has patently ignored the bonafide information we provided them to validate our complaint ; neither have they provided the name of the appraisal management company involved in order that we have opportunity to contact them on the matter. There is NO reasonable justification in law or equity why we should be required to pay for a fallacious appraisal. We have notified the company that we dispute this charge. We feel that the company should be compelled to reimburse our escrow account in the amount of {$600.00} until such time as the appraisal is fully corrected and revised to include all comparable sales data we provided Pennymac and the matter is resolved through the CFPB process. The company 's wrongful action will now lead to a shortage in the escrow account resulting in an incorrect escrow analysis and payment adjustment. We note that this company had incorrectly established an escrow account when last they performed their analysis in XXXX XXXX. Despite our contacting them to revisit this, they did not, forcing us to do our best to calculate the correct amount needed for escrow each month and submitting roughly an extra {$300.00} per month to preclude a shortfall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Viking Client Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt company, Viking Client Services, is stating that I owe an alleged debt in the amount of {$350.00}. This is completely false and they have reported this debt to credit bureaus. They have defamed my name and I am taking legal action. 

I sent Viking Client Services a Debt Validation Letter, Cease and Desist letter, an invoice for all violations, a copy of their mailed document with all of the violations listed, and a notarized Affidavit of Truth. They have yet to respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Debtsy Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information without my knowledge to obtain a signature loan with XXXX XXXX XXXX XXXX XXXX. I have spoken with representatives from XXXX, and have been told there is a bank account and phone number that is not mine attached to the account, and that the account was accessed and payed from out of state. I was told XXXX would be investigating the matter and that they would be in contact with me. XXXX did nothing but continue their attempts to collect the debt and report false information to the credit bureaus. I have sent a letter, supporting documents, and a copy of the FTC Identity theft report to XXXX. Instead of resolving the issue, they have hired a debt collection agency, Debtsy. Debtsy continues attempts to collect a fraudulent debt and send false information to the credit bureaus. I have contacted Debtsy and sent them the FTC report, however they claim the debt is valid. I have never signed anything with XXXX, I have never entered a branch of XXXX, and I have never visited a website belonging too or affiliated with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I live in XXXX Florida State and I have not traveled ouf of the State in years. I use BB & T account only for saving money to pay my insurance and some other bills, so, I do not use it too often. When I went to look into the account because my insurance was approaching, I noticed an overdraft of more than $ XXXX. I called the bank and the rude guy said he can not do anything neither cancel the account or do anything about it, so, I had to XXXX a branch near me and I went same day, XXXX XXXX, to the XXXX XXXX branch and a really nice rep, XXXX XXXX, checked and found out somebody deposited on XXXX XXXX, 2017 a $ XXXX fake check and then somebody went same day to a Virginia office and withdraw a {$900.00}, so I filed with her the claim and closed that checking account and a savings account I had, and she opened new ones that day. 
Then, XXXX called me on XXXX XXXX saying my savings account had an overdraft because somebody in XXXX different cities of New Jersey cashed XXXX checks on XXXX XXXX between XXXX and XXXX ; each withdraw of more of $ XXXX because the system showed the original fake check deposit as funds in the account. First of all, it is unbelievable that in this time, were all is about technology, a check does not get cleared within 24hrs, also, unbelievable, that the security in BB & T bank is so bad, that they just cashed the money in another State without confirming via phone if it was me who was out of my own State. And worse, BB & T Branch team leader, XXXX XXXX, asking if I was sure I did n't traveled to VA and NJ and also said I have to wait until XXXX to get my {$1900.00} back ; that it is what I had in both accounts. This amount might be too little for BB & T, but to tell me that because in small towns the fraud reports are less than in XXXX, the cashiers of BB & T bank does not have the same protocols, is outrageous. Who is going to respond for my late fees/interest of the payments I have to do with that money?, who is going to pay for the gas, the parking and the time I did not get paid in my job because I had to deal with the incompetence, insecurity and lack of protocols of BB & T bank? 
This is a joke. XXXX was the only one nice enough to provide information and communicate with her manager, the fraud department and the branch " team leader '' ( XXXX XXXX ) but none of them was Professional enough to give me their face and try to solve my cash flow problem because of BB & T thieves. 
I filed a Police report in 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 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.

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 2021-03-23
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint against American Express due to their attempt to collect a debt not owed by me. When I called and advised the client service representative I expressly asked if what they were showing as a late payment ( which was 100 % erroneous ) was going to show on my credit report. The rep advised it was not going to appear on my credit report. Their representative in my last call advised the same. This constituted a bilateral agreement they have broken. 

I checked my account today and find that they did, in fact, report this as a late payment on my credit report. This is totally false. 

The bottom line is that this company accepted a payment as payment in full and then charged a service and interest fee even though they told me it was cleared. 

They advised, unsurprisingly, that they could not document my call in XXXX when this account was initially closed and paid in full. The actions cause me blatant damage to my credit and it was only after filing my complaint, it appeared. This shows that American Express acted punitively to my complaint in a willing and wanton manner with malice and forethought. 

Original Complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The atm at Huntington ( XXXX branch ) failed to disburse {$100.00} out of one of my accts at atm but gave a receipt and took funds from account. I filed dispute number XXXX on XXXX XXXX 2017. I am on Social security as is my brother who is on the acct with me. We can not afford them to hold our money. There is no reason that in a weeks time they could not know that atm had {$100.00} too much in it or look at cameras to see no funds disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: U.S. BANCORP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this account.

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 2017-03-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In early XX/XX/XXXX, I went to make my car loan payment and noticed that my balance said " XXXX ''. This was not correct and I called Wells Fargo immediately. It was determined that a car dealership had accidently paid off my loan ( when it meant to pay off another loan ) and it would take a week to get the loan reinstated. I said over and over again that I was concerned about two things : accruing any fees and this hurting my credit. I was assured neither of these would happen. 
After about XXXX weeks, my loan was still not reinstated. I called Wells Fargo and they indicated no one from the dealership had returned their phone call. I asked them to please contact the dealership as I wanted to get this issue corrected. I had to continually call over and over again to check on the status. Once the issue was finally corrected ( after about XXXX weeks ), I noticed that I had an additional charge of {$13.00}. I called and inquired about this and the first gentleman I spoke to said " Do n't worry, just make your regular payment and this fee will fall off ''. When I went to make my next month 's payment, the fee was still there. When I called in to inquire, I was told that because my account was " Paid Off '' for a period of time, I had to pay this fee for the accrued interest. 

I was assured over and over again that I would not have to pay any fees and my loan would " return to normal '' once this was fixed. My husband and I did absolutely nothing for this to happen - we were victims of bad luck ( or a bad employee who did n't verify the loan information before they paid it off ). I have spent hours and hours on the phone attempting to resolve this issue. All I am asking for is that the fee of {$13.00} be removed so I can continue to pay my car loan amount that I was paying before this whole mess happened. 

I submitted a complaint through wells fargo 's website and it was handled extremely poorly. I finally received a letter in the mail well over 30 days from the time I submitted it and it mentioned NO WHERE what my actual complaint was. I would like to get this issue corrected and put this whole mess behind. I believe that Wells is dragging their feet on this issue in hopes that I will pay the fee.

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 2017-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving a flood insurance payout from FEMA, Chase Mortgage seized our payment and required us to sign up through Insurance Claim Check to receive payouts. After months of being re-victimized by excessive regulations and paperwork, as well as a barely-functional website we 're encouraged to use, the work is done and we have moved back in, only because we were able to borrow money to pay our contractor while we waited for Chase/Insurance Claim Check. Our final payment requires a " 90 % inspection. '' I have been trying to schedule the inspection for a month. The maximum wait is supposed to be six business days.
Inspection scheduled online : XXXX/XXXX/XXXX Calls to customer service : XXXX/XXXX/XXXX ( inspection rescheduled ), XXXX/XXXX/XXXX ( told to wait one more business day ),  XXXX/XXXX/XXXX ( told an email would be sent to inspector ), XXXX/XXXX/XXXX ( told a personal email would be sent to inspector ), XXXX/XXXX/XXXX ( spoke with supervisor " XXXX '' and told that she would change vendors and call me personally on XXXX to make sure we had been contacted. I was never contacted by the inspector or XXXX XXXX, XXXX/XXXX/XXXX XXXX told everything would be done to make sure I was contacted in five business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My mom cosigned a few loans for me through Navient, so that I could get approved to be able to go to college. We did it with the understanding that I can repay after graduation through an income-driven repayment plan. I only found out after I graduated that they base the income-driven plan off of both my husband and I, and my mother 's income. My mom does n't contribute a single penny to the student loan bills. My husband and I pay them. I called Navient to lower payments by taking my mom off as a co-signer so I can have lower monthly charges based on my true income. That was when I found out I need to have 12 consecutive months of paying each individual loan before I can take her off as a cosigner. Until then, they 'll always add her extra $ XXXX gross income a year onto our {$19000.00} annual income, resulting in double the amount due every month than what I can afford. Throughout the term of the loans so far, I 've had to defer them due to hardships and moving across country, but one time I did that, they said I could defer a loan for 3 months, but my charges came back a month early. I also found out after the fact, that deferring resets the clock so that I have to start the 12 consecutive months of payments all over again. So basically I 'm stuck paying double what I should be paying every month because they wo n't take my mom off as a cosigner, because they were n't honest up-front about what happens when you defer. They had falsely advertised about income-driven repayment plans by failing to mention in the beginning that even if your parent does n't pay the student loan bills, you still have to repay based on your parent 's additional income!

Company response to consumer: Closed with explanation