BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX  no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased a bike online using Paypal as my payment processor. The company I ordered from has been using Paypal for fraudulent transactions. They promise merchandise which they don't have or can't fulfill at the prices offered. Paypal sends them the payments and allows them to continue to do business even though there are numerous complaints. When you question the status of your order the company sends you a fraudulent tracking number for a different person at a different address. Upon reporting this to Paypal they deny your claim stating that they have received the delivery tracking information from the company. I have filed a complaint with the Alabama attorney general for the company which posted the bike. On researching the company I have found hundreds of complaints with the same scenario all processed through Paypal. Some have been successful in having their money returned, but many of us have not. I have opened an appeal of my denial with them but am still waiting to hear from them. Their business model is to protect people from this type of fraudulent transaction but they apparently are not following through. Please investigate as to why they are allowing a company to continue to process orders and payments when they are aware of the numerous fraudulent transactions. Thank you. 
Companies involved : Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX of this year, I received a letter from CHASE bank notifying me that my credit card account would be closed on XXXX XX/XX/2021 because CHASE had previously closed a previous account. 
This card, which the bank has unfairly decided to close, was opened this year when I applied for rewards at XXXX XXXX XXXX. Once I received this credit card that was issued by CHASE, I believed that the bank had already reviewed everything and decided to approve me and that there would be no backtracking in this decision. 
I was approved and started using it and accruing benefits soon. 
It is the second time that I have suffered unjustly this type of damage from this institution. Last year without any explanation, my business account was closed despite the claim that I made and this year while I was enjoying the benefits of this second chance with this institution, I also received this discriminatory action towards my person and my credit. You can check my credit history to verify that I take good care of my finances and I consider this to have happened as a violation of my rights because I have not committed any fault for them to take this type of action on me and affect my economy. 
I am very sorry that this type of situation is repeated and affects people like me who do not deserve this type of damage due to unfair and discriminatory decisions. 
I hope you can reverse this situation and give me the opportunity to reestablish good relations with this banking institution. 
I can attach a copy of the letter issued by the CHASE bank last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently addressed illicit reporting of my Wells Fargo debt to XXXX, via the CFPB Website. XXXX stated an investigation would transpire as affirmed by their response. In the midst of the investigation XXXX updated my Wells Fargo Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX. 

This is part of the settlement agreement with Wells Fargo was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this. 

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB. 

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.

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 2021-06-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XXXX, I sold XXXX XXXX  at XXXX for {$100.00}. At that time, they gave me an envelope containing a debit card and a letter explaining how to get my money. They said I was required to make my second donation within 14 days of the first one. 

A couple days later, I went to the website at https : XXXX? XFunction=LoginPage to transfer the money to my checking account. The website said there was an error and to contact customer service. I did so at XXXX, and they said that the system was down and that I should try again the next day. When I tried again, I got the same error and called customer service again. This time, they said that it wasn't possible to direct deposit my existing balance, even though the documents I received clearly say that I can do that. I then set up direct deposit for future payments, but they said that would take XXXX business days to set up, which will be after my required 2nd plasma donation. 

On XXXX, I sold plasma again for {$100.00}, as was required. 

On XXXX, I went to a bank to withdraw the full balance of {$200.00} from the debit card. The card was declined for unknown reasons. I immediately called customer service, and they said it wasn't possible to withdraw at a bank teller, again contradicting the documents on the 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 2018-02-15
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I disputed the validity of a information being reported on my credit XXXX XXXX file from Professional Bureau of C stating that I still owe {$5700.00} on a Auto Loan owned with XXXX XXXX XXXX. This information is incorrect and I do not still owe either company because the account was paid in full through by bankruptcy filings. I would like this negative information removed immediately from my XXXX credit file as it is negatively affecting my credit and my ability to purchase a new vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
CitiMortgage received a short sale offer from me on XX/XX/XXXX. I'm an XXXX XXXX military service member that has had orders. I have been in default since I had to leave. We submitted the short sale XX/XX/XXXX - Citi took this time until XX/XX/XXXX to say that my file was REJECTED because they said that the " borrower '' which would be me, dated the purchase contract XX/XX/XXXX and my property was not on the market 15 das PER HUD GUIDELINES. My property WAS on the market for over 15 days. My property was LISTED XX/XX/XXXX, and then had multiple offers submitted on it. The buyers sign offers when they submit for review. My agent took it off the market to review offers with me on XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX is exactly 16 days. I did not fully execute the contract until the XX/XX/XXXX. We immediately escalated this with CITI to show them their error. They said it needed to have a variance from HUD which it does NOT because we met the 15 days on the market but some negotiator read BUYER signing date and substituted that with the BORROWER signing date ( which is the seller - ME ) - It has been SINCE XX/XX/XXXX to try to straighten out this issue. We have escalated to MULTIPLE departments, without response. Meanwhile my property sits, and my default days grows. My sale should be moving 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 2019-01-14
Company: Works & Lentz of Tulsa, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I SAW A NEGATIVE REPORT ON MY CREDIT FROM WORKS AND LENTZ AND I CALLED TO RESOLVE USING MY XXXX XXXX BUT THEY ARE SET UP AS AN ACCOUNTING OFFICE AND IT DIDNT GO THROUGH I THEN TRIED TO CALL CLIENT DIRECTLY AT XXXX XXXX BILLING OFFICE AND WAS CONFIRMED I OWED N O  BILL WHICH MADE SENSE BECAUSE I AM ON XXXX AND 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 2021-03-05
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from CCS USA. dated XX/XX/21 accusing me of owing them {$200.00}. They purchase the debt from XXXX XXXX XXXX. I do not know these companies and never signed a contract or did business with them. I contacted CCS. they have no permissible purpose according to the FDCPA AND FCRA THE PRIVACY ACT as well. They can not sell or buy debts. I have to have had a contract with my signature as proof. CCS is a? 3rd party collector to a debt that is not owed. As solution i want the harrassment to stop from them in this pandemic. I already contacted XXXX the so called original debtor to rectify this situation. It's my right. As a vulture company Ccs is officially advised to not further pursue this FRIVOLOUS claim. Im ready and willing to use resources set fourth by the FCRA FULLY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, INC.
State: TX
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:
I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX, Equifax and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX, Equifax and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but XXXX  and Equifax refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: LCO Financial Services, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I needed a pay day loan to get through the month of XXXX. My work was shortening hours and I needed money. I borrowed {$400.00} and wound up owing {$1800.00}. Required to pay $ XXXX/month for 9 months. The interest is completely ridiculous and I heard class action lawsuits going after these tribal loan companies. I need help before this causes bankruptcy or even homeless. 

I signed a contract but was unaware of the interest this wasn't disclosed till after the fact.

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 2019-01-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX/XXXX  as well as XXXX XXXX, and Select Portfolio Servicing, have not been forth coming with THEIR SIDE of the financials. Meaning for over 12 years my money was DISAPPEARING from my account. I made a complaint 10 years ago requesting this information through H.O.M.E, with no documents. I was advised to do a Chapter XXXX, I did and 2.5 years into the  Banckruptcy the lender LIED to my lawyer and my lawyer let them process a " stay '' not sure of the legal term, but it removed them from the bankruptcy. I have ALL DOCUMENTS and CAN PROVE, LENDER FRAUD, WIRE FRAUD, BANKRUPTCY FRAUD, and ESCROW FRAUD.I was not able to get the Lenders financials until I wrote up to the White House last XX/XX/2018. All of my money is gone. These financials ARE Correct as they show every month the banking charges but not my payments and I have every one THE ORIGINALS. I was told by S.P.S. that they were not able to get the financials as when XXXX. sold the note that only like years were sent. I find that very interesting because that is around the time I had stopped paying XXXX. When I could not qualify for the H.A.M.P. program I was told by the Lender that the Note Holder did not pertisapate. At, this point XXXX  gave me an in-house modification called CHAMP. This is another rip-off as they added XXXX changing my Original Note from XXXX to XXXX. They closed their account on the Credit reporting agency XXXX  as CLOSED-DEED IN LIEU OF ... I NEVER SIGNED ANYTHING!!! I took photos of the Notification I got from XXXX because of course they have lied on their last response back to you. Everything that they are saying are lies and I can PROVE EVERYTHING. Please Please help me, I am XXXX XXXX and I do not want to go through another year of this horrible treatment. Thank you, lets go get these guys once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX. I was given information that was I qualified for a loan forgiveness program to help me pay off my federal student loans. I agreed to allow XXXXXXXX XXXX to find a program that would work for me for an approximate {$8000.00} fee that would be taken out of my account in monthly payments. At this time I was not informed that my loan would be reconsolidated by another loan company called Navient. I was also not informed that by reconsolidating my loans it would cause me to loose my 18 months out of the ten years of on time payments made to XXXX XXXX that would qualify for the 10 year forgiveness program.On XX/XX/XXXX I was contacted via email by a representative named XXXX ( XXXX ) phone number ( XXXX ) XXXX informing me that some paper work was still needed in oder to complete my application. On XX/XX/XXXX I decided to do some research by contacting XXXX XXXX directly I was informed that I was already enrolled in the " pay as you earn '' repayment plan and I could easily enroll in the public services loan forgiveness plan by simply filling out and sending in an application. At this time I realized that I had been scammed. I was paying {$8000.00} for a service that was not only free but not in my benefit in regards to loosing out on the 18 months already vested. I immediately contacted management in XXXX XXXX XXXX XXXX and spoke with a manager by the name of XXXX. I XXXX apologized for the misinformation and said he would make things right by reimbursing me my money, which he did, and immediately stopping and further process with my loans. 
On XX/XX/XXXX I contacted XXXX XXXX to inquire about my account when was informed that my accounts had been reconsolidated and sold to Navient loans. I contacted Navient where I was told that they did send me out a letter to my home informing me that I had 10 days to stop the process of the reconsolidating. When the representative verified my home address it was completely incorrect! As well as my email address was incorrect! I was never given the opportunity to cancel before the 10 days because my address!!! this is why I am filling a complaint. plained my situation and told him I wanted to cancel my poor arrangement with XXXX. C

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Between XXXX and XXXX, and on numerous occasions, I was pushed towards refinancing options that would have eliminated my rights as a federal student loan holder. 

Navient suggested that refinancing all my student loans to one " average rate '' would save me money, which is simply not true. I fortunately did not pursue this option, because I learned that I would no longer be eligible for forebearance or deferment of my loan. 

I feel the need to report this misleading practice because Navient may target other unsuspecting young individuals in a scummy attempt to line their pockets with more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX initiated foreclosure proceedings prior to the one year redemption following my mothers passing on XX/XX/XXXX. Prior to XXXX XXXX XXXX acquiring the loan in XX/XX/XXXX, the reverse mortgage was being serviced by XXXX XXXX. XXXX XXXX was notified of my mother 's death on XX/XX/XXXX which is the date the one year redemption period initiated. Quarterly updates were provided to XXXX XXXX and XXXX within the quarterly deadlines which I have attached for your review and validation. 

The dates below will outline the One Year Redemption Timeline and Quarterly Update Deadline Requirement ; XX/XX/XXXX- Date of Death XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- One Year Redemption Expiration Below, please find the itemized breakdown of the actual written quarterly Extension Requests I provided to XXXX XXXX and/or XXXXXXXX ; XX/XX/XXXX- Date of Death of Mother XX/XX/XXXX- Written Quarterly Extension Request to XXXX XXXX XX/XX/XXXX- Copy of Listing Agreement and photos to XXXX XXXX. The Quarterly Extension request was also provided in this e-mail communication. Please note that XXXX XXXX stated that as long as the extension request is submitted on or anytime before the deadline extension would be sufficient. This is where the internal error occurred. 

XX/XX/XXXX- Written Quarterly Extension Request to XXXX XX/XX/XXXX- Request for Mortgage Statement/Welcome Letter When I received notification that foreclosure proceedings were initiated on XX/XX/XXXX via NOD, I immediately notified XXXX of the violation. Communication was established with supervisor XXXX, Rep ID # XXXX regarding this issue. Per XXXX, there was a final Quarterly Deadline Extension date of XX/XX/XXXX which is NOT legally correct and that they did not receive my final request until XX/XX/XXXX. It is my belief that when XXXX XXXX inserted my extension request into their mortgage system on XX/XX/XXXX prior to the transfer to XXXX, XXXX XXXX   placed the effective date of the extension of XX/XX/XXXX whereas it should have been for XX/XX/XXXX ( Actual deadline Date ). This is where the internal error occurred. By the associate entering the effective extension date of extension for XX/XX/XXXX, it reduced my one year redemption period to 11 months. 

To this date, nothing was resolved. Based on the timelines above, the soonest that XXXX would have been able to initiate foreclosure would have been on XX/XX/XXXX. I have attached all supporting documentation including all written extension requests that were submitted electronically ( e-mail ) to  both XXXX XXXX and XXXX. All supporting documentation has been provided to XXXX to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20, my Wells Fargo debit card number was stolen and used to make a series of unauthorized purchases in a matter of a few hours to several online stores totaling approximately {$3700.00}. Some of these fraudulent purchases were caught and reversed and some were not- leaving the amount stolen close to {$1600.00}. This is a significant breach of my security and account which was reported to Wells Fargo the same day - and I haven't received much of a response from the company other than a claim 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