BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank branch informed me if I opened a checking account on-line and met several requirements, I would receive a {$300.00} bonus. The requirements were to have a direct deposit and have deposits over {$5000.00} within 90 days. I opened the account online on XX/XX/2019 and met the direct deposit requirements. I called the TD Bank customer service dept. immediately after I opened the account to ensure I did everything correctly. After 90 days I called the customer service asking where my {$300.00} bonus was and they said it can take up to 125 days. I called at 125 days and they said someone would get back to me in 48-72 hrs. After a week with no contact, I again called and they said someone would get back to me. After no contact I called again today they said I was denied the {$300.00} even though I met all the criteria for the offer. The customer service representative said that the response they received from the promotions department indicated that I failed to click a link when opening the account which disqualified me for the offer. I informed her that I did what ever the offer on their website instructed me to do and then followed up with a telcall to ensure I did the correct thing. 

I asked for a supervisor who then changed the story and said that their promotions department said there was no {$300.00} promotion at the time I applied. This is completely wrong since how would I know the details of what to do if there was not an offer. I think they are running a scam to get new accounts. I am so glad that I didn't move all of my accounts to TD Bank and tested if first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The institution that I attended ( XXXX XXXX School ) was closed due to mismanagement of Federal Aid. I believe that I was wrongly charged to attend this school and would like my debt amended, since this institution is no longer in business. I am still being charged by Navient which there is a lawsuit pending against for overcharging students. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to a refinance advertisement that was mailed to my address by Capital One Bank during XXXX 2015, with a coupon offer of $ XXXX credit towards closing cost. I called them and talked to XXXX XXXX XXXX, Loan officer @ XXXX. We negotiated to refinance my existing loan with XXXX XXXX XXXX at 3.15 % for fifteen years fixed. I locked in the rate and she mailed me the application package. I filled it, package with all the paper works, and gave them my credit card number for processing fee of @ XXXX to be charged after the loan has been approved and closed along with all other closing cost. I received an acknowledgement that they have received all the papers and my application is complete. We will close the loan on XXXX XXXX 2015. After couple of weeks XXXX XXXX XXXX called for some other papers to be signed and I complied with it. After my several call to XXXX XXXX, gave me the number of XXXX XXXX XXXX loan XXXX XXXX. 
After couple of weeks later when I called he said that my loan application has been cancelled due non compliance of their paper works in time. I told him that Capital One Bank has acknowledged me that they have received all paperwork and my application is complete. 
I told him, please let me know in writing that you are cancelling my application due to what ground and what further paperwork you need from me, so that I can comply with it. 
He never replied and after my repeated calls he is telling me since my original application is cancelled and he can not do anything, but he can offer me another refinance loan with a current rate which will be little higher. In the mean time they are holding my processing cost of $ XXXX and not answer my calls or emails at all. This complain is to intervene this matter with online Capital one bank to comply with the Federal fair lending acts. 
XXXX XXXX Loan No. XXXX. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm being charged a XXXX XXXX XXXX fee. I called my mortgage company and they could not explain. They said they would call me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my 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 2017-01-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I sent into XXXX XXXX loan service information of my doing Public Service as asking for public service forgiveness. I worked at the XXXX 25 years. They offered me XXXX=permanent but have not considered the Public Service that I did. I have federal loans and I have XXXX Private Loan with Navient. They messed up my credit by placing default on credit. I am XXXX and have worked for the XXXX 25 years. I talked with a lawyer for advise who was going through the same thing who told me to put in a complaint. My loan amount have gone up with sky rockingting interest rates hooked onto them. I have asked for Public Service Forgiveness and was denied. I do not want XXXX because this amount in interest will be turned over to the IRS and I would have to pay this. I want forgiveness for my time helping students in the school system. Just days ago I signed for the IBR because I really do not have any money to pay back. I am a XXXX who only wanted to better myself in school and I worked to take care of children with XXXX in the XXXX. I want forgiveness, also. I want this extra interest taken off and forgiveness given to me. I want the default taken off my credit because by me being a XXXX I might need some financial assistance if my health gets worst again. I need help. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX Notice of Initial Servicer, 8.5x11 inches, which I had received via USPS First Class Mail XX/XX/XXXX, from XXXX XXXX IL XXXX. I need Bank of America to return that original Notice of Initial Servicer to me. 

Sincerely, XXXX, IL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Synerprise Consulting Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XX/XX/XXXX I checked my XXXX credit report and a new collection debt was added. The debt collector is Synerprise Consulting Svs INC, the original creditor is XXXX and the balance owed is {$370.00}. The date the debt was opened was XX/XX/XXXX. I have not received any correspondence from this company about this debt and I 'm confused as to why this is just now showing up on my credit report from almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I think I 'm a victim of fraud because I receive a email saying my car loan is pending I never apply for any car online, I 've been contacted trough the phone for a application for a job the same day and they ask me my information that 's why I think there is a fraud. 
Please I 'm a new resident and I 'm building my credit since 5 months and I will never apply for any loans because I 'm new with the credit score .thats why there is a fraud they even misspelled my last name on the application

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan with Santander USA and paid off the car. I have an overpayment of {$350.00} and I 've been waiting since XXXX for my refund. Each time I call, I get a different answer on when I will receive my refund. The employees are extremely rude and condescending. I made every payment on time and I am getting treated like dirt now. I am not even sure they were applying my payments correctly for the last 5 years. The customer service says that the accounting department does not have phones so I ca n't request a breakdown of payments made. This company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Green Square Company LLC.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from a company called XXXX and they said that they are legal aids for XXXX XXXX, an attorney in New York. They said that they are representing XXXX XXXX XXXX and that they want to resolve a debt that i had back in 2005. I talked to someone named XXXX XXXX XXXX, and when he was trying to confirm who I was I was asking him what company he was from and he began to get hostile. Then as I proceeded to tell him that I wold like my debt in writing he hung up on me. When i called back I talked to a XXXX XXXX XXXX and he started out being somewhat nice but when I proceeded to tell him I wanted my debt in writing he became hostile. He told me that all he could provide me with was a payment arrangement and I told him that I was n't comfortable making a payment arrangement without getting the debt in writing. He proceeded to talk over me then he proceeded to yell at me and say " ARE YOU A CRIMINAL? ARE YOU A CRIMINAL? Since you do n't want to resolve this then GOOD DAY. '' and hung up on me. When I called back to get an address so that I can send a written cease of communication notice no one is picking up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a vehicle and financed it through Santander. The vehicle was not in good mechanical condition so I traded it in only a few months after. I signed a contract and the dealership agreed to pay it off and mailed a check. They unfortunately mailed it to the wrong company. Once found they sent out another check and canceled the first. This time Santander did n't report receiving it right away. They are reporting a XXXX90 day late to XXXX of my credit reports. I am requesting that the latest be removed. I have tried to work this out with Santander and XXXX different operators. All of which have a poor attitude. The worst was the vice president of credit disputes. XXXX XXXX XXXX. He scolded me for waiting untill now to contact him. He also at XXXX point said that he was not going to do anything for me and compared me to a XXXX. He actually said " what do you think would happen if I deleted all the late payments for the XXXX people, then all the XXXX would be calling me and XXXX about unfair treatment and expect the same '' I was and still am shocked. He did n't even get what he had done after questioning him. I explained the situation to another rep and she justified it by saying 'thats just a statement that we use in the business and if we are guilty, than everybody is guilty. '' XXXX will not call me back, another manger. XXXX yelled at me and said I would n't have had this problem if I just paid my bills on time. Knowing full well that it was an issue with the dealership and Santander. My account ( # XXXX ) is heavily noted and everyone agrees that the dealership made a mistake. I should not have my credit harmed for this situation. I paid my bill on time while the vehicle was in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXXI purchased a XXXX XXXX from XXXX XXXX in which Santander financed ... I made payments of {$300.00} each month thereafter ... XXXX XXXX I traded the XXXX XXXX for a new XXXX XXXX ... a few days afterwards I received a XXXX from Santander. I was confused as to why I was receiving this so I contacted Santander. I was referred to several departments and after finally talking to someone I was told they would have to research it and get back with me in 7 days ... .after 7 days I never heard from anyone so I contacted Santander again only to be told that it was an issue that needed to be handled by the IRS ???? I feel like I am being given the run around ... .according to the XXXX the event took place XXXX/XXXX/XXXX for XXXX ... the only thing happened in XXXX was my normal monthly car payment. I feel like Santander submitting false information to cover their company. The VIN listed ( XXXX ) is referencing a car different from the car I financed with Santander ( XXXX ) is the VIN for the car I have been making monthly payments on for the last year ... I ca n't understand why I am penalized for making payments. I am a victim of fraud. I really believe this company should be investigated to see if they have been giving others XXXX to cover their financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX XXXX XXXX in XXXX a lienholder title state in XXXX of XXXX, than moved to XXXX a title holding state and registered the vehicle in XXXX of XXXX. I subsequently refinanced with another company car finance capital who is requesting the original title " XXXX '' for some reason Santander consumer consumer sent a copy to XXXX but can not produce the title for a reason unknown. I would think that as the lienholder they would have the original title but they " Santander claims that I supposedly have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I went and checked my credit and, saw that Company : GRANT & WEBER Account # : N/A Balance Amount : XXXX Status : Credit Report Collection but, they had NEVER contacted me first. It was a Medical Debt from XX/XX/XXXX and, ( did not know about it ) XXXX XXXX ( without contacting me ) then on a different part of the Credit report states it was XXXX XXXX Hospital for {$1400.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
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 have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX

Company response to consumer: Closed with explanation