vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
When I loaned my XXXX in 2012 I was told 7 % for 6 years since my credit was not good.. But if I add more on the monthly minimum payment it will shorten the length of payments. After 4 years paying my loan I contacted Toyota Financial Services to decrease the interest because I become disable. I was told my car loan interest is 11.54 % and they are just 3rd party, they cant help me. I called the Dealer Agent he said he didnt know that if only he knew it he will advise me to refinance after one year. I also mentioned if I pay more it will just be deducted for next month payment. I found also Toyota will settle a lot of money for discrimination of loan pricing. I was not only had been discriminated but completely deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have loans from XXXX XXXX. I was told that I was consolidating my loans and was on a monthly payment plan which was taken directly from my bank account monthly. A few months ago I received a call that I had loans in default. When asked how that was possible I was told that my loans were not consolidated. But put into groups where a few were being paid on and others not. Then they followed to explain that my monthly payments would double even though I was in " good standing '' on the payments I told were loans consolidated into two payments monthly. If I was given the correct information I would have been able to pay on all my loans. But now I believe that the company Navient ( aka XXXX XXXX ) is just overcharging me for loans that I did not even know existed or where they came from. Then when I asked them what are my options on payment plans I am told I need to pay the amounts they tell me and that is my only options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I deposited a cashiers check on XXXX XXXX, 2017. The bank teller told me the check will clear in 24 hours and the funds will show as available. My account showed the funds available the next day. I went ahead with my transactions based on that. I get a letter more than a week later ( mailed out XXXX XXXX, 2017 ) that the check is fraudulent and the funds have been withdrawn from my account and I have been charged an additional {$12.00} fee. When I called the bank they just said they cant do anything about it and " too bad ''.

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 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have made several request to validate the debt and this company has failed to submit me any proof bearing my signature that this debt indeed belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Acceptance Solutions Group, INC
State: MO

Complaint narrative:
I had to do a stop payment on the first installment loan due to no money in my account. The second time the company withdrew money from my account they charged it to my debit card. I did not know or discuss with them my debit card would be used. They said this was in the contract I signed. At this time I stated I did not authorize them to withdraw funds from my account in the future. They argued with me and barely let me get a word in. I told them I would pay via check or money order, they told me this was not an allowed form of payment I stated I would get a prepaid credit card because I do not like charges to my debit card without my prior approval. They stated in order to say they are not authorized to withdraw funds from my account I had to send them a notice in writing before my next due date. I stated that I would be sure that was taken care of but my bank had told me I could verbally do it also. The " supervisor '' I spoke to told me by my next due date I needed to have a letter to them stating this and a card number for how I was going to make future payments. 

Not even 30 minutes later I went to my bank to withdraw money and it stated I had insufficient funds, when I pulled up my online banking information I realized they had withdrew the entire amount left on my loan after I had verbally told them I did not authorize withdraw to my account and they had stated I had until my next due date to give them notice in writing and give them other payment arrangements. Due to the fact it is a VISA debit my bank states they can not decline the charge. If I file fraud through my bank it will take 6-10 days to determine and my account will keep going further in the hole with overdraft charges or returned check charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was a fire in a home I owned. My homeowners insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a check to my mortgage company XXXX XXXX XXXX XXXX XXXX for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX XXXX XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX XXXX for the rest of it. Year after year, XXXX reported to all XXXX credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX XXXX XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX XXXX XXXX. XXXX, ALSO reported to all XXXX credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX XXXX that XXXX XXXX XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX XXXX XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX XXXX XXXX is attached. Also attached is my credit report. Please note the XXXX XXXX XXXX item is on page XXXX and the same item as reported by XXXX is on page XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
My minor son purchased XXXX car doors for his car over the internet using my Capital One credit card. The doors were supposed to be ready to install and cost {$1000.00}. His installer received the doors and immediately contacted my son and told him the doors would take hundreds of dollars to make ready for installation. Capital One initially refunded the amount. We sent them a letter from the installer saying the doors were not the right color or condition. We sent pictures of the doors also showing they were the wrong color, dented, scratched, and water damaged. There were miscommunications and we had to resend. Then they sided with the merchant for unspecified reasons and rebilled the {$1000.00} on my credit card. I closed the account and paid it off to protect my credit score which is currently over XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
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 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
II  reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
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 2017-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Constant noise from garbage trucks and garbage removal at Citibank on the XXXX XXXX side of the buidling across from XXXX XXXX between XXXX -- XXXX most evenings. Would like to report this noise and have it removed and it is disturbing the residents who live in the surrounding area and buildings on 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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting an account for XXXX XXXX that was discharged in my Chapter XXXX Bankruptcy XX/XX/2003. The account is over 7 years and in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen holds the primary loan on my investment property. There is an impound account for taxes and insurance. Ocwen pays the insurance late every year. Every year, I get a letter from the insurance company threatening to cancel my insurance. This year, my insurance got cancelled, exposing me to potential liabilities of XXXX of dollars. Ocwen also sent me a letter saying they were going to buy insurance on my behalf and charge me for it. They did not tell me how much they were going to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this items several times with Equifax. To date, Equifax states that the item is valid and it remains on my credit report. However, neither Equifax nor the debt collection company ( XXXX XXXX XXXX ) have provided any documentation whatsoever that proves ( 1 ) the debt is valid and ( 2 ) the debt is mine. I HEREBY STATE THAT THIS DEBT IS NOT MINE, AND IT SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
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 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I requested a " qualified '' review of my mortgage including escrow and reimbursement for fees paid to make payments through the company web site. The company has delayed and has sent letters extending the time to review the issues. I first sent a " qualified written request '' in XXXX 2016, I received the third notice extending the time to XXXX XXXX. This is an unreasonable delay in resolving and reviewing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
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