BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
XX/XX/XXXX I attempted to open an " American Express for XXXX '' prepaid card. During the initial opening, the address on my drivers license differs from my current address. The verification process failed and the card was closed. Unfortunately, I loaded the card with {$500.00} dollars during the initial sign up. To complicate matters, I used XXXX different credit cards to load this {$500.00} dollars, of which only XXXX is currently active. I have called and spoke with customer service XXXX a XXXX times since XX/XX/XXXX and have spent hours on the phone attempting to resolve. Each time I have been told I will receive a refund to the credit card still active. I have yet to receive any funds. American Express has held my {$500.00} dollar 6 months and I am beginning to feel as if I will never receive a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2017 through XX/XX/2017 I paid for a hotel room at XXXX. After I got my invoice, I saw unforeseen charges that were well over what the room rate was ... I basically got charges that were sent to the room. With that said I was not there on the premises to enjoy these room charges ... Clearly the merchant should have not authorized any charges that were sent using the room, if the main person was not there. I also did n't know that you could charge to the room. Also the room charges had signatures not of my own, so they were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is no phone number to contact Equifax. They are the only of the XXXX credit report agencies that have a bankruptcy listed and my score is low with them as a result. It should not be there and I 'd like them to remove it and update my score. I 'm in a rush because I have a boiler out in a rental property we own and it needs replacing. I need to get financing. Is it possible for you to help expedite?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Why I can get to refi my home I have over 35 % equity and income to qualify, because I am XXXX and XXXX years old, On XXXX XXXX, 2016 I submitted my application to refinance my home, I received email from XXXX XXXX ( XXXX ) she will be my loan Originator ( NMLS XXXX ) after lucking the interest rate at 3.625 % that it will expired XXXX/XXXX/2016 ( 60 days from lucking date ) and submitting all required document including the appraisal fee of {$490.00} and WAS ORDERED ON XXXX/XXXX/2016 and it will be return after loan is funded, flood certificate, linear Borrower Authorization ( XXXX/XXXX/16 ), Title was ordered on XXXX/XXXX/16, on XXXX/XXXX/16 after talking XXXX XXXX and getting an email that " my application is completed and waiting for processing about 10-12 business day away for processing '', on XXXX/XXXX/16 emailed from XXXX XXXX ( XXXX said XXXX moving into different role and XXXX taking over, on XXXX, I asked XXXX if the loan is not funded by XXXX the interest rate locking will expired on XXXX she reply " we will extend it at no cost to you '' but my rate did expired and was not lock, on XXXX/XXXX/16, XXXX XXXX XXXX ( XXXX ) Processor NMLS XXXX, emailed me that " your file assigned to me for processing loan assigned ", on XXXX XXXX XXXX my bank statement and taxes again so I emailed her except my SSA income for my daughters that Can not be down loaded from social security administrator so I called social security and it will take few days to get them before I received them on XXXX/XXXX/16 I received email from AmeriSave that '' after reviewing your application we closed your file for incompleteness or we are unable to approve your loan '' so emailed XXXX and she emailed me on XXXX/XXXX/2016, " I am not sure why you receive a decline notice by email today, I am looking into the issue right now, I told the processor I was still waiting on additional income from you BUT THE LOAN SHOULD NOT HAVE BEEN DECLINED and I apologize for confusion '' and XXXX I received email that we receive you appraisal that appraiser ( XXXX XXXX ) sent on XXXX/XXXX/2016, then on XXXX/XXXX/2016 I received another email that my application was closed according to XXXX, " creditor must notify applicant of their lending decision WITHIN 30 DAYS OF FILING OF A COMPLETE application and can not be discriminated of their age '', XXXX/XXXX/16 I filed my application I do n't think they even look at my application until XXXX and AmeriSave wasted 3 months and {$490.00} and emailing me that my application is incomplete, please login to my file at AmeriSave, user ID is XXXX and password is XXXX I need my {$490.00} back because no lender accept the appraisal I was submitted and if the interest rate is higher 3.625 % they must pay the discount point and processor need to be audit it the review is very bad too. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Asset Management Outsourcing, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was not aware of a pending payment amounting {$260.00} as a medical bill as, my address changed and I did not receive any communication from the agency 'Nationwide Recovery Service '. It showed up on my annual credit report. I called and paid it through my debit card asap on XX/XX/2017 and all I asked for a payment confirmation or receipt of the payment. I was told that full letter will be mailed to my address in 10 business days. I requested an email confirmation sooner than 10 business days as I am traveling abroad before that. 

I was made fun of and laughed at by XXXX. I felt like she was rude and insensitive. Hence, I asked to speak with a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Asset Management Outsourcing, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have been a long-term customer of my health provider and due to their inaccurate contact records, they never reached out to me in an attempt to correct their error. Instead my attempts to use my online account to no avail, prompted me to reach out to them. They have multiple telephone numbers that could have been used to resolve this issue, but not once had I received a call from them. My online access to my account was thwarted by their lack of contact and instead I was contacted at work by Nationwide Recovery Services and promptly settled the past due account for a total of {$100.00}. This lack of initiative on their part was devistating and left me with decreased credit score all because no one at XXXX XXXX could or would pick up the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Credit determination

Complaint:
declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After being unemployed for the past 2 years, I need to get my credit to good standing. I called Santander to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is {$0.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a car from Santander XXXX : XX/XX/XXXX Chevy Cobalt in XX/XX/XXXX for $ XXXX 19 %. I currently owe $ XXXX two years later. XXXX late payment. The car is worth {$4000.00} can not trade in too much negative equity. I have request an adjustment in loan and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Our loan was being serviced by NewRez/XXXX  ( XXXX XXXX XXXX - Loan Number XXXX ) at the time COVID impacted my family ( husbands business ). I went into a foreberance plan ( total of a year ) At the ten month point I called XXXX/Newrez to start the process of reinstating my loan. They told me to call back at the 11 month point to start the process. At the 11 month point, I called again to reinstate my loan. By this time, I had an assigned person to may case. When I called the number of the person assigned to my case, I was told that everyone had the same servicer and it didnt matter who I worked with. They gave me three options which included : 1 payback the total amount owed, 2. roll the amount into the loan 3. modify the terms of the loan. I told them I was interested in option # 3 - if I were able to have a more current rate ( 2.5 % -2.7 % ) I would be able to better afford the new added burden of my husband loosing part of his business during COVID on my own. They said that there was no need to submit documentation and the said a modification at 2.7 % rate was available. They said to give them 30 -45 days and they would send me the modification in writing. At which point I would have 5 days to review and sign. At approx. 45 days I started receiving emails and mail notices of being late and not making payments. I immediately called them again. They were very hard to get ahold of but when I spoke to them they said not to worry - all communication was automated, I was still on forbearance and the offer was in the process. This continued for the next months - I would receive delinquency notices, then call, then be told that we were still in forbearance, not to worry and the modification was coming. By end of XXXX I received notice that my loan was being transferred to a new servicer - Shellpoint ( shellpointmtg.com - loan XXXX ) as of XX/XX/XXXX. I immediately called Shellpoint to voice my concerns of my loan being transferred before the modification was agreed to. I've since received a validation of debt notice from Shellpoint and and working with them - at this point they say they say that New Rez has 60 days to send over all info, but still have not received any indication that a modification was even in process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have been paying {$540.00} a month for a car XXXX XXXX XXXX 2014 my Apr is 18.10 % for 72 month for over two years since I bought the car. Something wrong with the calculation. From my under standing 18.10 Apr is way lower from what I remember. Cash down payment is {$4000.00} plus rebate {$2000.00} monthly is {$440.00} not {$540.00}. Please help. I also demand a copy of all documents I mean all even a receipt of my down payment they have nothing to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I reached out to the creditor and upon speaking with a representative whom provided his first name as " XXXX '' stated that there was n't much that he could do about the inquiries except what I am already trying to do myself and thats reach out to the dealership 's via phone. At this point the dealership is saying that since that since they are the ones ' who ran the credit, than they ( Santander ) are the only ones ' who may have the inquiries removed. 
Providing that they never had proof/written authorization via credit application following a valid state issued ID. I ask that these inquiries be investigated since I have already stated that my current state is a victim of fraud and identity theft. It has been made very clear that someone is and has been trying to obtain an auto loan. The excessiveness of credit being ran is point one of many. Credit does n't change much in a day or XXXX as agencies report every XXXX days raising a flag in most cases. That concludes my response and now it is my intent to resolve the matter with all options within my legal rights. Thank you for your time and attention regarding that matter as it is very sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Financial Accounts Service Team Inc.
State: TN
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:
This has been reported as a " returned check ''. The returned check was over {$200.00}. I visited the store with cash in hand and picked up the check. They said that there was an additional charge for the the returned check. I told them I did not have that and they said they would take care of it. In my mind that meant it would be waived.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had applied for and received an Autoloan through Chrysler Capital. At the time, as it is now, I had been receiving monthly income of approximately {$730.00} a month. They in turn issued me a loan at 21 % over 6 years at {$400.00} dollars. I am also required to keep full coverage on the vehicle. Perhaps I was too optimistic on my ability to repay the loan, but I have rapidly found out that this was a tremendous financial burden on my situation. Currently, I have been unable to afford my other debt obligations and these loans have become delinquent. I intend to do my best to maintain the car payment, however I am concerned that this loan may have been issued with the expectation that I would not be able to maintain what for me, is an aggressive repayment. I have attempted to contact the lender to discuss my situation. They have stated that they are currently unable to work with me but more importantly that they have no intention of working with me to achieve a long term resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Credit Corp Solutions Inc.
State: CA
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:
Multiple phone calls to my husband, in-laws, myself, and my workplace between XXXX XXXX-current. 

One threatening letter. 

The accusation of debt is false and the account number is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: M&T BANK CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the process of getting a mortgage modification with M & T bank. The modification agreement had been approved and the papers were sent to me for signature. The transmittal letter advised that I consult an attorney before signing the agreement. After review the document, I hired an attorney to look it over. There were a few issues that I had with the document and my attorney contacted the underwriter! ) the property was owner occupied 2 ) the interest rate of 6.875 % has not been reduced. In other words the bank did not make any modifications at all. Subsequent to my attorney contacting the bank, all calls and correspondence were thereafter unanswered. I am still making the payments required, but the payments are not being credited, and each statement has charges added to my mortgage statement that are in dispute. Is there anyway you can get the bank to contact my attorney to resolve these issues.

Company response to consumer: Closed with explanation