BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX, XXXX. 2017- Received call about a debt over ten years old. Guy claimed to be paralegal representing XXXX. When I asked him to send notification of alleged debt to my mailing address, he refused and offered to email me something instead. I told him I knew my rights and that I could request written notification and they would have to comply. He then said I likely gave this song and dance to people in the past. I dealt with XXXX XXXX XXXX for many years and still do, XXXX XXXX XXXX XXXX XXXX XXXX. I have received nothing from any bank regarding a debt. I asked the man three times to put something in the email and he refused to comply. When I looked up the company number, online forms stated it was used for various scams. Any debt I had in my twenties is beyond the statute of limitations. My credit rating is high and I have a bank account with XXXX. This call came out of the blue. He had my SSN. However, he would n't comply with request for verification of debt in mail and that raised red flags for 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 2017-11-10
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The company is taking extra interest on the loan every month, I have never been 30 days late on any payment. They send me a bill of what the interest and principal are suppose to be, but when I get the statement the following month, there is always more interest taken out as a penalty, and the balance due does not always match what the principal was suppose to be. I took this loan out over 10 years ago for I believe was around 14,000 and over 10 years later it is only down to about {$9000.00}. My payment is {$190.00} a month so even if they took half that in interest, I should have paid over {$12000.00} on my principal. Something is definitely wrong here and they are taking advantage of me. I called a couple times and the last time I spook to a guy and ask him about this and the only thing he could do is change my due date, what does that have to do with this extra interest coming out every month and he said he couldnt do anything about that. I sometimes would send a little extra to put toward the principal, but I see now that it goes into a fund they call deferred interest. What the heck is that? This is my last attempt with the company and then I go further into a law suite .

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 2021-11-11
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made a pay day loan a a couple of years ago, which went unpaid when I was laid off due to Covid. 

When I got my finances back in order, I repaid the debt that was outstanding. I can provide documents if needed. 

However, weeks after I was paid off, suddenly another payment was taken out of my bank account after the fact I had already paid the debt. I called them to resolve it, and they asserted that I was still owing them. I called my bank to stop payment, and I figured they would stop trying to overcollect. 

Later on, a collections account appears on my credit report from them, and the derogatory mark was reported not once, but now twice the original. 

Ive been in credit repair and disputed them and asked them not to call, I do not owe them this debt, and they are falsely reporting data to extort from me. 
To this day ; they are still calling me. I am reporting them in hopes that they can be corrected and to desist their harassment. 
I also would like to request that they be fined and to pay for the financial hardship their false reporting has done to my credit score, and my sense of well being with their repeated calls. 
They need to stop. Extorting people who have the least means to pay them. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX I purchased a vehicle from XXXX XXXX which had a loan that was secured by Santander Consumer USA.
On XX/XX/XXXX I contacted Santander Consumer USA to voluntarily relinquish the vehicle, as I was unable to fulfill the terms of the loan due to financial hardship. I was informed by the representative that they would contact me prior to picking up the vehicle from my residence.
I was contacted by a representative of Santander on XX/XX/XXXX. At the onset of the call the representative asked if I was still unable to pay for the car. I responded that my circumstances had not changed ; the representative abruptly ended the call without saying anything further.
I was contacted by Santander on XX/XX/XXXX informing me that the car would be picked up from my residence on XX/XX/XXXX. The car was picked up as scheduled on XX/XX/XXXX. After the car was retrieved from my residence I have not received any further communication, neither verbal nor written, from Santander Consumer USA regarding this loan.
On XX/XX/XXXX I submitted an application for housing, and to my surprise I was denied. I was informed that I was denied due to a collection account that was in excess of {$8000.00}. Upon review of my credit report from XXXX, the collection account is from Santander Consumer USA, in the amount of {$8000.00}. I have never received any notice ( written or verbal ) regarding an outstanding balance or that the account was escalating to collections.
Under the Fair Debt Collection Practices Act, section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different of this from the current creditor.
Based on the foregoing information I am requesting an immediate investigation of this incident and the unfair collection practices of Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: BANCO POPULAR DE PUERTO RICO
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and there was a new credit card opened that I know nothing about. I did a dispute with XXXX XXXX  and they said they completed the investigation and that the card is good. Its not mine..I know nothing about it. I do not know the account number. I called the company of the card and they know nothing. but they do want my social security number to look up account..not giving that ... And I don't know what the account number is ... so I need some helpl

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Summary : I signed up for a XXXX American Express Card for the advertised XXXX miles, but only received XXXX. 

I received an advertisement from American Express " XXXX Card, which stated that I would receive XXXX bonus miles plus a {$100.00} statement after I spend {$2000.00} within the first 3 months. 

The advertisement was within the XXXX App ( XXXX ), and I took a screenshot of the advertisement prior to signing up, then clicked a link which opened a XXXX Browser. 

One of 2 things happened in this process : 1. During the " XXXX app '' to XXXX switch, the miles reduced from XXXX to XXXX miles, and 2 very large companies had not recognized nor fixed the issue. 
2. American Express intentionally switched the values, with the hope that most consumers would let it go. 

My response from customer service at XXXX, had me contact American Express. American Express told me that I only signed up with a reward of XXXX miles, though they will investigate with a 6-8 week timeline.

***The switch from XXXX 's ad in the app, to American Express in XXXX should be the earliest American Express has, so American Express will unlikely see the XXXX App side, and the ad I responded to. 

I find it difficult to believe that 2 very large companies that regularly pump out advertisements of XXXX miles would assume I would purposefully seek an offer of XXXX miles when there isn't an advertisement for that, and will do what they can not to honor the ad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I signed up for the PSLF plan 7-8 years ago and have been paying monthly since. The loan has been transferred from Direct Loan to XXXX to FedLoan Servicing and my payments have toward my XXXX have not be recorded. On my current statement, I noticed that I have made 0 payments toward my XXXX, so it looks like they do n't even have me in the program. I called several months ago and was told that this information would be collected and updated. I have not heard back from them. I 've been paying for almost 8 years and my balance has increased due to interest and the payments have not been recorded. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: ENCORE CAPITAL GROUP INC.
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: Old information reappears or never goes away

Complaint:
Account was paid and full company agree to delete negative account off my report over 6 years ago. the company lied and am still dealing with issues on my credit due to account after i paid my money to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I bought virtual currency also known as crypto currency through and American based company named COINBASE located in XXXX XXXX, Ca. The Currency I bought was Ethereum and in order to purchase through COINBASE I linked my COINBASE account to my checking account to electronically fund my COINBASE account. I purchased XXXX Ethereum worth roughly {$5000.00} COINBASE will now not let me sell the Ethereum crypto currency and return it 's value to my checking account in US dollars. 

I called 3 times to their " help '' line and spent over 3 hours talking, begging them to simply sell my crypto currency, Ethereum, and return it to my checking account. They would not do it, nor would they transfer me to anyone who would help me. They said someone would contact me and this has not happened. 

I believe they have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: HYUNDAI CAPITAL AMERICA
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After the lease ended, we decided to purchase the car. We refinanced the car with our local credit union on XX/XX/2019. A few weeks later, the credit union reached out to say that they did not receive the title. I first reached out to Hyundai, on XX/XX/2019 via the internet. I was requested to follow up via the phone. I called XX/XX/2019 to ask about my title status. After being on hold for over 1/2 hour, I was told it was because the odometer statement was never submitted to them. ( They never sent an odometer statement in the first place. ) So they agreed to send it to be docusigned. The statement was signed and sent back to them. I called the following day to verify if they received the document. They told me that they couldn't verify it because it hadn't been three days yet, so to call back. At this time, I asked that the bill of sale be sent as well. They said that they could email that to me. I called back after 4 days ( I gave them an extra day ), They said that the document signed didn't work because they accidently clicked a box on the form that they sent me. ( There was no followup from the company to me to let me know this. ) The form was signed again and sent to Hyundai. We requested that they send the title and bill of sale at this time as well. They promised that the title would be released within a week and the bill of sale would be mailed and we would get it within 5-10 business days. We received the title release as of XX/XX/2019. We further waited the end of the 10 days, with no bill of sale from Hyundai. We called again and were told they would email it to us within 5 business days. At this time, we verified the email address again. 5 days has passed again and we have not received anything. We called again today and they said they would have it to us within 3 days. 

They received our payment at the beginning of XX/XX/2019. It has now been two months, of dealing with this company with no results. Within our state, we have 30 days to register and pay our sales taxes. I can not complete this without the bill of sale on the vehicle. That window of time has passed and every additional day we are charged interest and penalties on the taxes due. 

We ( my husband and I both ) have spent an exorbitant amount of time ( hours ) attempting to fix this and Hyundai seems largely unconcerned with helping us resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XX/XX/XXXXI was living in a XXXX XXXX XXXX in XXXX, TX the property was being managed by XXXX XXXX. I was having personal and financial issues and was no longer able to make my financial obligations and needed to move. I wrote the property manager letting them know the situation and that I would be vacating the residence at the end of XXXX. I was willing to assist in anyway in order to get new residence in and was very clear that I would pay whatever rent remained. I moved as planned leaving the residence clean and with out damages. In XXXX of XX/XX/XXXXI was served eviction notice for the residence that I had been out of for a full month. I have tried multiple times to reach out to the the property manger in order to make payment arrangements for the remaining balance of {$1700.00}. Now I have a collection with Fair Collections & Outsourcing for this residence. They are now attempting to collect {$9600.00}.

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 2017-07-07
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I applied for a loan for {$18000.00} through XXXX XXXX. I received several offers. Sofi offered me a 7 year loan with a 10 % interest rate. These were the best terms I received and so I chose to move forward with this company. After having them run my credit and checking my pay stubs they came back with worse terms than other competitors had offered. I spent the last week going back and forth with them and my Human Resources department to provide them the further income documentation they said I needed for them to follow through on the loan terms they had offered on XXXX. After providing them everything they asked for they once again gave me the same loan they originally offered. Essentially I was given the run around in an attempt to wear me down and accept the actual loan terms they always intended to give me which were not the terms I was lured into their company with. Essentially, this is a classic bait and switch situation. I am not taking their loan and hope that filing a complaint here will shine a light on this company 's dishonest business practices so as to spare other borrowers from the same deceptive trap I fell into. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had opened a XXXX account when in a Chapter XXXX bankruptcy in XXXX 2017 I had to convert to a Chapter XXXX by no choice of mine but due to a mortgage company not being able to do a modification. I understood that while I was going through the chapter XXXX the accounts would be frozen from charges but not from making payments. so I continued to make the payments. I was then told in XXXX to send over discharge to evidence none of the accounts were included in the bankruptcy. which I did and was able to use account and even received credit line increases. I went to go make a payment on the XXXX account and was told it was sent to collections because of the bankruptcy conversion. when I called to discuss and explain to them that they had requested I fax over the discharge paper in XXXX to open the accounts again I was told all my accounts would have to be closed due to conversion. Why ask me for discharge to evidence that the accounts were not included if you were going to close the account. I have used the account since bankruptcy and it was 10 months ago so why such a lag? I feel the accounts should be open and be able to be used as I have been making the payments on them since conversion and some of the accounts were paid off during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: FL
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:
Bank inquiry XXXX XXXX  dated XX/XX/2020 is over two years old and Experian has not deleted it in accordance with the FCRA

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 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After selling my house XX/XX/2021, I reached out for a mortgage loan. I have no experience with credit cards and know little how loans and credit work. My house loan was under my ex fiance because of my little credit ( school loans, medical loans ). I found out there was a " charge off '' under my credit score through Capital one. I never opened a credit card on my own. After speaking with capital one, the credit card was opened XX/XX/2021 and now charged off for {$440.00}. I asked for the representative to verify the address on file in which he could not. I gave my address to where my fiance and I lived which differed from the one on file. My brother recently had theft for {$30000.00} recently occur from an address we lived at 5 years ago when we first moved to NC. I remembered that and told the representative the old address. He confirmed that was correct. I have attempted to speak with capital one regarding this. I even attempted to pay off the balance. Even so, the representative told me the email on file belonged to a " XXXX ''. This email is not mine. I was then told it would not matter if I tried to take the balance off. I am now unable to even be approved for a small apartment due to this matter. It is truly saddening this has occurred, although not {$30000.00}, this has affected my means of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX , Experian and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my  credit score and ability  to obtain a home mortgage.

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 2021-11-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have new mortgage with Wells Fargo. I am planning to pay more towards principal and bring the LTV down to 80 % but Wells Fargo won't waive my escrow account until 24 months later. 

The initial escrow account was around XXXX for 11months of property tax prepaid. My escrow account is over XXXX in only 2months. They're over-collecting money in my escrow account without any interest. I'd rather just to pay LTV down and manage the property tax and insurance payment myself.

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