BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on or around XX/XX/22 I received a letter from I.C. System INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regrading a claim that I owed a debt for a XXXX XXXX account XXXX The letter clearly states that " how can you dispute the dispute the debt? '' call or write! so I called before XX/XX/22 a spoke with a rep ( did not get her name ). I gave her all my information and was told there was a {$650.00} debt from some address in XXXX  I told I never leaved or been to XXXX I have never even had XXXX I have no knowledge of this debt and I want to dispute it in its entirety. she said okay. Today they have attacked my credit by reporting it to collection trying to cause financial harm, XXXXXXXX stress, and false character XXXX. This is not my debt there is nothing that links me to this account and on the letter they sent me my name is even spelled wrong and name I've used. I spoke with them today and was very upset, because this is a waste of time, money and resources. I will look into legal action because this is not right, but I want to place them on notice with some kind government regulatory to help stop them from doing this to other.

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 2016-12-14
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I live with my parents and do not have cable in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: Receivables Performance Management, LLC
State: GA
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:
their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud 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 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for the Chase Southwest Rapid Rewards credit card around XXXX of 2014 with the promotion of XXXX miles and {$200.00} off the flight I was booking when I spent {$500.00} the first three months. I recieved the {$200.00} off and XXXX welcome miles but not the XXXX miles that was advertised. I waited for more than three months but never got my miles that was advertised. I called the company and inquired about the miles. They told me that since it was passed the three months period there was nothing that could be done. They could not even tell me if there was a promotion like the one I saw while booking the plane tickets because they do not keep records of it!! Basically I had no claim of false advertisement by them since I could have imagined the whole promotion. I saw the promotion and that 's why I signed up for it. They are falsely advertising their promotion to get people to sign up. I hope CFBP look into this misleading advertisment by Chase and punish them for taking advantage of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer USA, XXXX Texas gave me a loan to purchase a car.. With this I am grateful. Because it was a very high interest loan with a daily simple interest rate which is calulated daily. After speaking to my account, he advised me I would save allot of money if I would to pay off my loan early buy paying it weekly. XXXX advise me to send my payments to a XXXX XXXX in XXXX Texas, which is the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ( this post office is open XXXX hours per day XXXX Now I live in the XXXX which takes one day or the same day to get mail to Santander Consumer USA XXXX Texas. I have called the company requesting that my payments are posted the day it is received in their XXXX this company has refused. I have been told on a recorded line that they use a 3rd Party to pick up the mail, and the 3rd Party does not Pick up the mail everyday. As a customer this means to me, the XXXX XXXX we must use has staying power for this company to post my payment as they see fit. This information has also been verified with the USPS XXXX must signed for all the mail pickup and they do not pick up everday. Santander/XXXX add addititional daily interest even after they know they have and willingly deceiving me. When I called the complaint department ( the office of the president ) I 'm told nothing by this department, what I want is the Santander Consumer USAXXXX to go back and give credit for the times they delayed my payments to collect additional interested. This company also said they do not work on Saturdays and no payments are posted. One of my payments were posted on a Saturday which had been at the post office prior to Saturday, and they would not change it. 
On XX/XX/XXXX SantanderXXXX received my payment. I was given credit for the XXXX because the company picked it up on the XXXX of XX/XX/XXXX this is just a few examples. I would like my bill corrected and the daily interest corrected. Now because they have proven to me that they do work on Saturday, all my electronic payments sent on Friday should be posted for Saturday. It is from the time they received my payments, not when This company picks up my payments and post them. I do have proof from the Post office and even my bank showing when my payments are sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the claim entry process I made a mistake and forgot to include one of the frauduent charges on the report. It was a XXXX XXXX transaction and I had been to the dollar tree earlier that day so I got confused. 
The claim was denied because of this and they will not allow me to re-open the claim with the updated information. The Claims Supervisor told me to get a lawyer and that I will not be getting my moeny back from Chase even though she sympathizes with my situation. 
I have provided a police report, video surveilance, statetements, XXXX  complaints, and opened a Corporate case. All of which have not gotten me my money back. 

Listed Fraudulent Transactions are Below : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX  Card XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX Card XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: SYNCHRONY FINANCIAL
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I financed my hXXXX XXXX  through XXXX XXXX, which was bought by Synchrony Bank. I called on XX/XX/2021 for the payoff to close the loan. I was told at that time, by XXXX, that the payoff amount was {$3500.00}. I sent the check on XX/XX/2021 and mailed it. I asked for a confirmation of the payoff. 
I never received confirmation but on XX/XX/2021 I got a new bill for {$290.00}. I called and talked to XXXX XXXX and was informed that it was interest up to the date of the bill dated XX/XX/2021. 
This is the first correspondence I have received from them since it was paid off in XXXX. 
I should have gotten a confirmation or a bill from them if there was a balance or interest accumulating for 5 months. 
I have asked XXXX to return my calls but she will not. I feel that this credit company takes advantage of people and have no way to defend my credit against them.

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 2016-01-28
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Santander Consumer XXXX has had my information for a warranty refund for over 2 months and even gave me the amount of refund on my cars warranty left that I traded. 
XXXX they even know the amount I 'm suppose to get which {$1000.00} and I was told XXXX weeks ago + that I would get the refund in 7-10 days. Now they are saying 8-10 weeks. This is unacceptable. Their customer service is very poor. I should not take over 2 months for me to get my refund when they got all the information from the car dealer that sold the vehicle to me over 3 months ago. I will never finance a vehicle through them ever again again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from my landlord dated XX/XX/2022 stating that in addition to the {$99.00} security deposit I had with them that I owe an additional {$200.00}. It said there was an enclosed copy of my resident move out statement showing itemized charges, however there was no attachment. I called the office at XXXX XXXX and they said they would have someone contact me. Later someone I believe from corporate, called and told me it was for smoking. I asked to have the proper letter sent to me showing the charges so that I could investigate and see if they were legitimate and or to dispute the charge. They never sent me a letter. Instead they turned it over to Genesis collection agency. Genesis called me and I asked them to send a copy of the charges as I wanted to dispute them. They said they could not mail me anything. I never heard from them again. They never sent a letter within the 5-day period required. Instead they just put it in collections which appeared on my credit report and lowered my credit score by XXXX XXXX I sent them a letter. I sent a letter to XXXX XXXX apartments and I notified all three credit reporting agencies. I am also going to notify the XXXX XXXX XXXX XXXX since they did not send me proper notification within the 15-day. So legally they owe me back my {$99.00} security deposit. I am also notifying the XXXX XXXX XXXX. Since I have been unable to get a written statement of the charges I will hope that you are able to get that information for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a car loan with Santander on XX/XX/2016 and my first bill had come in two days before it was due! The other options for me to paying so it was n't late was by phone or the site itself, the catch is that they 'd charge you a XXXX dollar fee just to get it paid. Second month comes around and I receive no bill and the due date is coming up on XX/XX/XXXX. XX/XX/XXXX comes around and I receive a bill that had stated that it was sent out 16 days ago " hence that 's longer then two weeks '' XX/XX/XXXX. My second payment was in a form of a check sent out on that day " XX/XX/XXXX ''. It is now XX/XX/XXXX and my bill has not been paid!!! Calling costumer service that 's listed on the back of the statement is telling me there 's a XXXX party that 's involved with the statements and when i ask for there information so i can fix the problems the supervisor ( XXXX, badge # XXXX ) tells me she ca n't " disclose '' that information!!!! 
I have bank accounts with many other providers that have n't even given me the smallest of problems. All I want to do is pay my bill on time every month with out any problems. 

Any help you can give me would be grateful my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: SUN LOAN COMPANY INC.
State: NV
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I ask the sun loan to stop posting late notice on my fence so my neibors would no know issue. I advised them XXXX of my neibor had read XXXX of the notice. I would work on repaying them as soon I got another job. and also as how to stop the interest from going up more. Also stop calling my familey and adviceing them of my money issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I originally financed my vehicle through Santander in XXXX. In XXXX I refinanced this vehicle through XXXX. 6 months after Santander accepted the payoff from XXXX they sent me a bill for {$450.00} saying that I still owed them a payment. I refused to pay because they released the lien and accepted the payoff and now it 's on my credit report looking like a repossession and is preventing me from getting a decent interest rate on a new loan. The vehicle has been completely paid off for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Saint Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid this company to repair my credit on XXXX of this year ( 2022 ) until now they remove some item but not the whole they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be aware that I have contacted your company SEVEN times, In my previous complaints and cfpb complaint # XXXX I inform your company about a few inaccurate information on my consumer /credit report with your company my request to suppress and block inaccurate information, Your company responded on XX/XX/2022 : In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 
And your NON-MONETARY RELIEF response was : In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address ALREADY REFLECTING ACCURATELY Completely ignoring my Complaints, disputes and attachments this unjust system Ive been dealing with for 3 years XXXX XXXX SERVICES Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX EXHIBIT D : ATTACHMENTS

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 2015-04-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm working with XXXX and all my creditors know I 'm going through financial difficultly at this time. They all have been informed since XX/XX/2014. Chase Credit cards continues to call my work phone even after sending them a letter and telling them not too. I sent chase a certified letter stating to work with XXXX XXXX XXXX who are representing me. They know this and refuse and say it 's not in their policy. I ca n't receive and take calls from them at all. This is the number they use to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Bank has a collections account listed on my credit report for the past 3.5 years. I have been trying to get this off of my report for a along time. I have sent a police report and a FTC Affidavit to them on several occasions and they have never responded to any of them. I called an emailed and called and emailed and absolutely nothing. This account is fraudulent and needs to be removed from my credit report and this is n't fair to me to continue to have to go through this. I have been fighting this for over 3 years and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Venmo account and I had a balance of {$89.00} to be paid on XXXX XXXX but we had a power outage in the area due to a storm and I ended up paying on XXXX XXXX. Today, I checked my account and they charged me a late fee of {$41.00} almost 50 % of the amount due. This is an absurd! Because of barely one day, they hack up a fee of 50 %?

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 2022-11-09
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been sold 3 times in a 9 month period.the first one called XXXX  allowed my information to be breached then sold it to mr cooper but consumer told me to hold payment for mr cooper, a program helped me pay my payments and catch them all up to mr cooper, while this payment had been received and paid mr cooper requested money again and claimed the payment was not received but was proven to be. All this time mr cooper had already sold my loan to another company but was requesting more money from me .now I have a new lender but mr cooper has my home balance incorrectly with the new loan that is basically saying my loan went up and a d they did not receive payment but I have receipts with XXXX  XXXX that they did get payments .my loan shod be XXXX left but it is stating XXXX

Company response to consumer: Closed with explanation