BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Santander imposed an unfavorable APR of 27 %. I believe I was targeted because I didnt have a favorable credit score as they have done with many others. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower can't afford. ( I.E. In XXXX, Santander had to pay {$26.00} million to settle allegations that it gave high-interest loans to car buyers it knew could not repay them. ) They targeted low income borrowers and those with bad credit. 

I had a decent job with no other financial obligations. My credit improved and I tried refinancing for a lower interest rate with other companies and was denied because the loan was considered upside down, owning more than what the car was worth. Santander doesnt allow you to refinance or lower the interest rate. During the time I had my loan I terminated from my job on a few different occasions. I postponed about 6 payments due to this ( i.e. 2 in XXXX and 4 in  XXXX ). The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} had paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would be paid off. I had full coverage and gap insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I consolidated all my student loans with the Department of Education including loans with XXXX  XXXX/XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating that, " Your obligation to repay the loan ( s ) satisfied. '' It further states, " Any inquires concerning consolidation loan ( s ) should be directed to the US Department of Education. '' Nine month later in XX/XX/XXXX, I started to receive bills again from XXXX XXXX. I have spent the last 10 trying to figure out what has happened. My account bounces from collection agency to collection agency and I try to explain what has happened and show them the paper work saying my loans were consolidated. They either ignore the evidence or they disappear and a few months later I get another letter from a different collection agency. I have filled out appeal after appeal and they have all been ignored. My tax return has been taken for approximately the last eight years. Again, I file appeals and they get ignored. Recently, I received two different letters from two different collection agencies dated XX/XX/XXXX and XX/XX/XXXX, both trying to collect this loan. Even if I did owe the money, at this point, I would n't even know who to deal with when multiple companies are trying to collect. I am a single mother and a XXXX. My income is very low and I ca n't afford to hire a lawyer and do n't know where to go to file a complaint or get answers. All the collection agencies that I have dealt with do n't care about what I have to say regarding any consolidation. They just know what they got from XXXX XXXX/XXXX XXXX and just want to collect. If I try to contact XXXX XXXX/XXXX XXXX they wo n't talk to me about it. They always refer me to the collection agencies. I am at loss as to what to do. I still have my loan with the Department of Education and it is currently in good standing and in a forbearance. I do n't know who to turn to and I 'm tired of being threatened with wage garnishments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Westlake Services, LLC
State: TX
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:
Westlake Financial Services financed our XXXX XXXX XXXX, in XX/XX/2017, I called Westlake and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/2017, my husband contacted Westlake Financial Services to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered Westlake placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most Westlake representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navy Federal is only allowed to contact me through my cell phone number. This is not the first time they have found other numbers that are associated to me in an attempt to reach me. These numbers have not been given authorization to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank : M & T Bank This year I have been a victim of fraud charges twice. The first time on XX/XX/XXXX of this year and then on XX/XX/XXXX of this year. In a amount totaling {$5000.00}. Both times it happened in XXXX XXXX. I reported the issue to the police departments and froze my checking account. In the weeks following I worked with XXXX police departments and we got pictures of the suspects. I thought this would resolve my issue but M & T refuses to reimburse me my money. The reason they will not reimburse me is in both cases my pin number was used. I have provided a reason how my pin was retrieved. In both cases my debit card was stolen in the same place which I find odd. I have been a customer of M & T for over 6 years and this is how they treat me.

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 2017-11-03
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email alert that a new account was showing up on my Credit Report, XXXX XXXX XXXX as to a new collection Account. 

The Account is AMCOL SYSTEMS FOR A MEDICAL BILL OF {$890.00} AND THE ORIGINAL CREDITOR IS XXXX XXXX, THIS ACCOUNT HAS BEEN PASSED AROUND TO ABOUT 5 DIFFERENT COLLECTION AGENCIES, AND I HAVE TO DISPUTE WITH THE CREDIT BUREAUS EACH AND EVERY TIME, IT NEEDS TO STOP AS XXXX XXXX HAS EVEN SENT A LETTER TO CEASE COLLECTION ACTIVITIES AS POLICE REPORTS ARE ON FILE AS WELL AS NOTARIZED IDENTITY THEFT AFFIDAVIT. 

THIS NEEDS TO STOP IT HAS COST ME THOUSANDS OF DOLLARS TO ADDRESS IT EACH TIME IT POPULATES WITH A DIFFERENT COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Monterey Financial Services LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 I sent a dispute letter to the party saying I owe them a debt to provide me proof they have not provided any proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
In XX/XX/2020, Capital One closed my credit card account due to inactivity. I have had my Capital One credit card for 10+ years and have a flawless payment history never missing a payment and always paying off the balance each month. The only reason I even knew about the closure was because of credit monitoring. I called Capital One to reopen the account and I was told it was company policy to not reopen credit card accounts. I was also told that a notification was sent a few days before the intended closure date. In reality, no notification was sent and there is no documented company policy regarding account reopening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My name is  XXXX   XXXX   XXXX , I am a  XXXX  patient. I am concern for the outcome of the modification that  Chase  is giving me. I have been struggling making payment where {$390.00} is hard for me to make, as well as the increased amount of {$400.00} later on. That  ; s w hy I could not keep up with the payment. Now I am getting the amount of {$430.00}.  XXXX  as the payment per month after modification is booked. I am seeing something wrong with this picture. I would like  Chase to discuss this with the loss mitigation manager department to see if they could extend out the term with the lowest interest rate so my payment can be lower tha n before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS is in violation of CFBP rules, CA HBOR and RESPA guidelines. 

At issue is a short sale request that was submitted on XX/XX/18 and SPS refused to open the short sale request stating they need a package 60 days prior to a sale date. This is in direct violation of RESPA CFR Part 1024 ( Regulation X ) which clearly state lenders must review for any loss mitigation offers if the file is received within 37 days, excerpt below ; ( c ) Evaluation of loss mitigation applications - ( 1 ) Complete loss mitigation application. Except as provided in paragraph ( c ) ( 4 ) ( ii ) of this section, if a servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : ( i ) Evaluate the borrower for all loss mitigation options available to the borrower ; CA HBOR requires lenders and servers to help homeowners avoid foreclosure. By illegally demanding docs 60 days prior to a sale date when CA residents don't get 60 days notice of a sale date and it's a violation of RESPA guidelines then SPS is breaking CA HBOR laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I applied for a Bank of America Merrill+ Visa Signature credit card on XX/XX/XXXX and was approved the same day. I was approved for a {$20000.00} limit. I received the card on XX/XX/XXXX. 20 minutes after receiving the card, I made a purchase at XXXX. About 20 minutes after the purchase, I received a call from Bank of America informing me that they had closed my account because they approved it in error. According to the representative, the application should have been declined because they had extended me sufficient credit. I asked if there was anything I could do to reopen the account because I had been a loyal customer since XX/XX/XXXX and never missed a payment ; however, the representative informed me they could not reopen the account. Next, I asked if they could remove the account from my credit report. The representative said they could not remove the account from my credit report due to the purchase I had made just 20 minutes prior. I spoke to another representative a week later and they gave me the same information. The account recently appeared on my credit reports.

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 2017-07-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Incidente date  XXXX / XXXX / 17  Card #  XXXX  Term -  XXXX  Sequence #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ - ATM address.   XXXX  I went on  XXXX  to take out  XXXX  dollars from my  XXXX  bank account  XXXX  at a Chase ATM. I requested assistance at banking center and calle d Chase and  no one has been able to help me. I need this resolved asap.   XXXX  Thank you please contact me asap  XXXX   XXXX  Or son  XXXX  -  XXXX  I gave son auth to talk about my situation  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX Friday afternoon within the XXXX XXXX. hour, I XXXX XXXX XXXX XXXX   walked into the Wellsfargo, XXXX  location, Branch in XXXX XXXX, Texas, ( XXXX Area ), to withdraw XXXX dollars from my Savings account. There was an issue with my newly issued Wellsfargo check card or the system. This was told to me by the Bank teller. She immediately called the Branch Manager, XXXX XXXX over to assist. He some how okayed to processed with the transaction. I went thru the process of attempting to withdraw my XXXX  from my checking account 3 times. Two attempts did not work by placing the chip checkcard into the machine at the teller and pushing in my pin, so the 3rd attempt had to be done manually, by writing on a withdrawal slip my withdrawal amount and giving it to the teller. Please be advised that at this moment around {$3800.00} dollars are so was in my checking account. {$380.00} in one ( Savings ) way2save account and {$150.00} in another ( Savings Account ).

On XX/XX/XXXX Friday night I checked my account to prepare for the next day and account showed the {$2000.00} dollars withdrawal and then a deposit of {$2000.00} with both of my Savings were depleated to XXXX funds because of this error on Wellsfargos behave as well as over draft fees created by this system error. I screen shot this for proof and evidence.

I discovered this Saturday morning, XX/XX/XXXX around the XXXX XXXX to XXXX, a negative balance of $ XXXX dollars. It also showed 3 separate in store branch cash withdrawals of {$2000.00} dollars totallying {$6000.00} dollars, which took all of my savings and then placed me in the negative.

I drove to the Wellsfargo, XXXX location and while in transition the Teller that made the transaction called me with to attempt to explain this error. Upon arriving to the Wellsfargo Bank I was greeted by gentleman name XXXX by name asking if I was XXXX XXXX. I said yes and he walked back to inform the Branch Manager which I saw through the Bank Teller glass. XXXX stayed back there and never addressed me concerning the matter. He had a cringing demeanor as if he did not want to explain this error to me face to face. I stayed for about 10 mins and upon being informed that there was going to be a temporary miscellanious funds placed in my account and that there was nothing for me to do, by XXXX  the floor representative, I left seeing that there was nothing for me to do concerning this matter.

The weekend passed and on Monday, XX/XX/XXXX morning my account showed {$900.00} dollars in my checking with overdraft fees and both my savings accounts still at XXXX  dollars. Monday passed and on Tuesday, XX/XX/XXXX there showed XXXX and XXXX funds in both of my Savings accounts with overdraft fees totaling XXXX.

I again screen shot these unjustly errors.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XX/XX/XXXX  {$390.00}  XXXX - XX/XX/XXXX  - XX/XX/XXXX  {$0.00}   XXXX   XXXX   XXXX   XX/XX/XXXX  {$0.00} I would like to provide proof I consented t o this inquiry via fcra section  609 and 605 as well as the accuracy of this inquiry via fcra section 623 if you have no proof immediately of any or one I would like it removed immediately Iv asked for these to be removed more than once and have never got any answers nore have they bin  removed

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 2018-06-20
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to resolve this matter with GM Financial since XX/XX/XXXX with no follow up calls to me or any further action taken on their end. They are not reporting my auto history to the credit bureau. I have had an account since XX/XX/XXXX and can not refinance when the vehicle payment history is not being reported to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was denied a rental property due to an outstanding balance on a property I allegedly rented from them ( I did not, they have the wrong person ) but I'm trying to get information to find out what's happening, and when I called them, they refused to provide proof of the debt. They also tried to trick me into providing my current employer, I guess to ease their collection process. 

I expect them to, immediately, provide either proof the debt belongs to me or to remove the debt from my rental credit report so I can shop for a new place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Patenaude and Felix proceeded to take action without proper documentation or notification. They also provided my personal information to unknown individuals.

Company response to consumer: Closed with explanation