BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a complaint on Santander Consumer USA on XXXX/XXXX/XXXX, based on the response to my complaint Santander is showing to be negligent in verifying the accuracy of my credit report as indicated in my compliant on XXXX/XXXX/XXXX which is a violation of the responsibility as ta credit reporting furnisher per the Appendix A to Furnisher Rule part XXXX and the FCRA 623. Santander has failed to investigate the complaint made and sent a response stating that they provide accurate information to the credit bureaus and denied my request for deletion based on inaccuracies. Based on my finding the violations assessed are as followed. 
1. There are different dates being reported as to when this account was closed. A complaint was made XXXX/XXXX/XXXX on XXXX stating that the account is reflecting open and this was failed be fixed until XXXX/XXXX/XXXX when I submitted the last complaint and reports that the account was closed in XXXX rather than XXXX which is false reporting. 
2. Derogatory information reported after settlement payment was made on account reflecting derogatory on XXXX and XXXX and settlement was received XXXX/XXXX/XXXX based on the attached settlement offer agreed upon that I will be released of any further obligation to Santander. 
3.The date of first delinquency is not reporting which alters how long negative reporting will be reported on my credit report. 

Based on Santanders response to my XXXX/XXXX/XXXX complaint they stated they lasted updated XXXX/XXXX/XXXX which further proves their refusal to investigate the accuracy of my credit reports and failure to comply with federal and state laws in maintaining accuracy and integrity of my reports which I also enclosed for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was a cosigner on an auto loan for my wife with Santander. We completed an online change of address with Santander on XXXX/XXXX/XXXX from our XXXX SC address to our XXXX SC address after relocating. My wife and I later separated. She contacted Santander in XXXX XXXX and requested a voluntary repossession on the vehicle after financially not being able to afford it. I was not made aware of this until reviewing my credit report. Santander never contacted me regarding this. They never advised me that this repossession was taking place. I was denied the opportunity, as a signer on the loan, to keep the vehicle and make good on the account. I contacted Santander in writing on XXXX/XXXX/XXXX advising them that my rights had been violated and that as a resolution, I requested my account be deleted with the credit reporting agencies and my financial responsibility be terminated. They responded in writing with a copy of a letter sent to my old address, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a XXXX XXXX loan with a 10 year balloon, that was ending on XX/XX/2016, with Citi Bank. I contacted Citi at the end of XX/XX/2016 and requested options as I could not afford the increase from $ XXXX. to almost $ XXXX. We decided that I should apply for a hardship and try to see if we could get the payment lowered, which I did in the first week of XX/XX/2016. It has now been 8 months, over XXXX emails that I have sent and more than that received and still they are requesting additional and also the same, info. A lot of items they have asked me for, XXXX and 5 times! Or after having sent in the time sensitive info requested, they get back to me 2 months later and say it is outdated-and to resend it the updated info again. I have been borrowing the monies from relatives and credit cards to pay the additional payment, in the hopes that I could get a manageable payment. I was initially told by contact person at Citi, that I would have an answer by XX/XX/2016. I have contacted supervisors who sent me a detailed copy of all our emails and said basically this is a normal process. I am paying XXXX % on the credit cards for cash advances and can not keep this up. I want to pay my debt, but can not continue to wait this ridiculous amount of time. I do n't know if they are doing this on purpose, but ca n't imagine this is a normal time frame. I do n't know where else to turn and just looking for some guidance. They also auto deducted from my bank account the new increased payment XXXX month after I was told the payment had been canceled, per my request. Thank You for you help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CITIBANK, N.A.
Product: Credit card
Issue: Billing disputes

Complaint:
With Reference to Credit Card Ending XXXX, I had sent Many Mails to Citibank Customer Care and Grievance Cell and Citibank had sent Mails to Revert in 5 Business Working Days from Last 15 Days for the same, They had Given Me Reference No. XXXX & XXXX But No Any Mail Received from Citi bank Regarding Solving the Issue. They Were Charged Joining Fee as When I had taken Credit Card at that time, Concern Citi Bank Sales Executive told me that It was Life Time Free and No Any Hidden Charges also to Be Levied But Citi bank Charged Joining Fee of Annual and I had sent Many Mails to Concern Citi Bank Credit Card Department But No Any Resolution Given by them .... Please help me for the same

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 2016-10-17
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a CFPB complaint previously ( XXXX ) with Citibank alleging that they had failed to uphold the terms of their promotion by not paying out XXXX ThankYou points for the checking account bonus. They responded by telling me they would honor the promotion but that I needed to send in a XXXX form so they could verify my identity ( despite them already having done this when I opened the account ), and to call a number in their XXXX XXXX office after I 've sent it in. I sent it in immediately and have called several times but have always gotten a voicemail ( I 've left voicemails twice ), and have never heard anything back, which makes me think that they are once again trying to avoid paying out the bonus.

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 2015-09-25
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Taking an offer with Bloomingdales to receive a discount on a singe purchase if I took a credit card and paid it off within a certain time. did so, but they credited the wrong account and started charging me interest and fining me for late payment. On discovery, they apologized, refunded all the fines and promised to not let it affect my credit history. On being turned down for a mortgage last week, I pressed for possible reasons and this came up along with an internal error by XXXX, my bank, which also apologized and refunded fees charged, but has still adverse affected my credit scoring. XXXX Bloomingdales error and XXXX XXXX error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



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Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Thursday, XX/XX/XXXX, I spoke by phone with XXXX of the CFPB, employee ID XXXX. She gave me the number for HUD, where I spoke with XXXX who initiated a three-way call with Mr. Cooper where we spoke with XXXX who refused to give an ID number, location or her position. The call did not resolve the issue, but XXXX did acknowledge that I am not in arrears and never have been. I have never missed a payment. 
XXXX claimed that Mr. Cooper is " required by Washington state law '' to send me " pre-foreclosure information. '' This is a lie. There is no such law and I am not in arrears. 
XXXX did not resolve the issue. The most she would offer is to " look into the issue. '' She claimed not to be aware that pre-foreclosure papers had been sent over the course of many months. I do not believe her. 
And if it is true that Mr. Cooper/Nationstar doesn't know that these threatening documents are being to us, then Mr. Cooper is NOT monitoring its compliance with the XX/XX/XXXX settlement agreement reached between CFPB, Washington state and Nationstar/Mr. Cooper. 
Mr. Cooper 's harassment has caused me serious XXXX XXXX XXXX  harm. I and my husband are elderly, and have grave health problems - exacerbated by the continual foreclosure threats over a period of years. 
I am filing with Washington state a complaint of elder financial abuse ; for this is what we are experiencing. 
I need the CFPB 's assistance to shut down this continuing fraud by Mr. Cooper/Nationstar. 
Please help. I have attached some of the most recent documents, but have many more in my files dating back to when this problem first began ten years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: CITIBANK, N.A.
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a second mortgage with Bank of the West in XXXX. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were XXXX payments never applied in XXXX as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing and needed this resolved as it was going to be paid off shortly and still no one contacted me back. Now the loan is paid off and I am still fighting with them to audit my account as I believe they overcharged me and owe me money in return as there were payments made that were never credited to my loan. I was told by the final person that was supposed to help me that it looked as if I was ahead and to not bother having an audit as I may end up owing more than they are showing and to be happy with the balance due although they could not put it on paper to show me a proper print out of the payments.

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 2016-01-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Balance transfer

Complaint:
I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.

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 2015-04-26
Company: EOS Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
EOS CCA has made excessive and numerous harassing phone calls to my employer, in violation of the FDCPA. They have used intimidation and fear tactics to extract private personal information from my employer. They have also caused undue harm and tarnished my reputation by use of their illegal and immoral tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Home Mortgage with Washington Mutual. Later on it was taken over by Chase.Due to severe financial hardships and my bad health condition, as also that of my wife, I had stopped payment from XXXX XXXX. At that time my Unpaid Balance was {$400000.00} and my monthly Mortgage Payment was {$3100.00}. I applied for a HAMP Loan Modification and made XXXX TPPs of {$2200.00} ( Total {$35000.00} ) each but the Modification was rejected. Again I reapplied and made XXXX TPPs of {$1900.00} each ( Total = {$7600.00} ). Thankfully after XXXX TPPs, I got a permanent Modification in XXXX XXXX. If I add up the XXXX unpaid installments of {$3100.00} ( Total {$110000.00} ) to the UPB of {$400000.00} and deduct the XXXX TPPs ( {$42000.00} ), the Balance comes to $ XXXX.However, in the Modification Agreement, they are showing a Balance of {$490000.00}, which is {$18000.00} more. The Legal Charges, if any, would not be $ XXXX. My feeling is they have not applied all my TPPs to the Loan Balance or there is some serious mistake somewhere. I am attaching all the said documents for your perusal.

Company response to consumer: Closed
Consumer complaint received 2015-11-20
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI is reporting to the XXXX major credit bureaus ' negative information about an account that I did not open. I sent them a request for a validation of the debt and they did not respond within the 30 days required. I have disputed this error to the credit bureaus ' and AFNI continues to keep this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Selene Finance LP
State: DC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a phone call today from Selene Finance attempting to collect a debt discharged in bankruptcy. My mortgage. Attached also is a copy of a letter I received on XXXX XXXX, 2015. I do n't understand why it is taking so long to foreclose on that house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: TX
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 asked multiple times for the original credit applications for these inquires and nobody can provide them. 
These inquires are not mine and Equifax customer support refuses to fix false information. 
Does Equifax report false information? 
These are the inquiries below. 
( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXXXXXX XXXX XX/XX/XXXX ) These need to be removed they are fraud!! 
Your customer support hangs up on customers when they ask for a manager to help assist, they refuse to be recorded due to shady practices, wont give you employe identification to hold them responsible.

Company response to consumer: Closed with explanation