BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a n Auto loan w  ith Santander Consumer USA Inc. Th is is the biggest scam I have ever seen. I did n't have the best credit when I got the car, so I am supposed to have a simple interest loan with a sky rocket rate of   XXXX   XXXX   APR and a monthly payment of { XXXX } due on the  XXXX  of each month.. My first problem with them wa s after falling into financial trouble, I was able to defer  XXXX  payments, Not knowing that once I made my next  XXXX  payments after the deferment, ALL of the money would go to interest. ( Is this even legal? ) Now currently, I  am up to date with all of my payments, I made an EARLY payment on  XXXX   XXXX ,    2017  where ( { XXXX } went to the principal, and { XXXX } went to interest. ) Now  XXXX   XXXX ,  2017 , I made a payment and only  ( { XXXX } went to the principal and  XXXX } to interest. ) How is this even possible? I made my payments early, b ut I am being penalized and more of the money is going to interest. There are also a number of ( misc. fees ) applied to my account as to which they say, those are late fees from prior months or those are fees for this and that. ) This company should be ashamed of what it is doing, not only are they getting a ridiculous amount of money from me every month, plus a ridiculous interest rate, they are also   XXXX   me over for making payments early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: DISCOVER BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My social security number has been stolen and transfered into XXXX and XXXX, its being used alongside international telephone and area codes numbers, and international internet language translation vin numbers. We were coworkers at XXXX XXXX XXXX, location XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check at my Bank  's ( Regions Bank ) ATM  on the  XXXX  of  XXXX . This check was an insurance check that was issued to me  by my Insurance co mpany -  XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the  first  XXXX  party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company  XXXX  to see if they can cancel the check and re-issue a n ew one tha  t  I can get proper endorsement from my lien holder.  XXXX  informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another  one. My B ank sent me a letter advising that they will make my funds available after    XXXX   days on th e  XXXX  of  XXXX . This was extremely disappointing and I cou ld n't imagine why  my bank would hold my funds for more than   XXXX    days. Today is  XXXX   XXXX  (    XXXX   XXXX   days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like  XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.

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 2022-04-29
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. 

XXXX XXXX XXXX, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. 
. 
I do not recall giving permission to for any facility to release my medical information to a third party. 

I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This alleged Debt appeared on my file on XX/XX/2019 in the amount of {$760.00} not sure from whom but this is not my debt and i do not have a contract with ABILITY RECOVERY SERVICES and and this this account is fraudulent and needs to be removed before i take legal action and will not hesitate.

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 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A tax lien was issued in   XXXX   while I was  XXXX  years ago with the state of Georgia. I was stationed in California but will still paying Georgia taxes and was away on  XXXX . It was handled upon my return via certified mail with payment. It was stamped released and I was told that it would be removed from my credit report. However, it is still being reported by the Credit Bureaus. I have attached a screenshot from the Georgia Departmen t of Revenue. I was  told to try this route for help.   Thanks in advance.

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 2017-04-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a sale date of  XXXX / XXXX /  XXXX   while working to get a loan modification. I was previously told that the foreclosure was placed on hold but now suddenly they have  one sche duled days before. The person that has been assigned to my file,  XXXX   XXXX , was requesting for some documents days before the scheduled date. I was able to provide them the same day via email. Days later after the  3rd pa rty that i am working with provided them the documents, the notes state that  XXXX   XXXX  is requesting the same documents the day before the foreclosure sale date. I dont want to lose my home over some negligence of processing my documents on time. I was told today that the sale date is still scheduled for tomorrow and of course I am unable to get a hold of  XXXX   XXXX . Please help me as I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank  of America purchased ho meowners insurance for my property even though I had homeowners insurance and sent them the information on numerous occasions. I sent Bank  XXXX   XXXX  proof of insurance on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . Even though I have kept sending them information about the homeowners insurance they are claiming that its not adequate information. In  XXXX   XXXX , they sold my loan to  XXXX   XXXX   XXXX  (  XXXX  ). Upon selling   XXXX   claimed I owned them the money in the amount of  XXXX  for my homeowners insurance even though I had proof that I had uninterrupted coverage. Neither company will help me rectify this issue and I am currently incurring late charges for not paying the amount  XXXX  set for an escrow account for homeowners insurance that I already have.

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 2019-12-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called from a VIOP number. They asked for me and I said speaking and hung up. They do this repeatedly throughout the week. I called back and asked their business and the woman pretended that she did not hear my question and just kept asking who is this? 
The business name is XXXX but when I look it up it is Health Care Recovery Group.

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 2019-08-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Synchrony bank is charging me {$50.00} for a gift card I did not receive. I have explained the problem to different people at Synchrony They write me generic letters. First that they need up to two billing cycles to investigate. Second letter gives me 20 days to provide evidence that was already provided or complaint will be disregarded. I am lead me to believe they do not know what is going on at all.

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 2022-04-29
Company: RIA FINANCIAL
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I purchased a money order ( two ). One was for {$1000.00} and another {$920.00}. I wrote my landlords name on the money order but a person was able to steal the money order from the landlords office, whiteout what I wrote and cashed it. I purchased the money order on the second of XXXX from XXXX. It was cashed about the XXXX or so from a bank. # XXXX XXXX ; {$920.00} # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Need to remove all negative and unanswered items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: FL
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:
I was told that income repayment program was the best for me because it was goes based on my income alone. What I was n't told is that there is a cap and when ur married it includes my wife income now as a result I 'm paying much higher and there nothing I can do about it because if I get out then I pay much higher. On top of that I requested for them to change my auto pay account and they told me that I have to stop auto pay the regular rate with the higher interest then change the account. Even though they can change it via paper request they ca n't via phone even though they already have the account on file. When I requested to speak a  manager I was refused but then they just put me on hold for 15 mins to chan ge a simple thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage account through Nationstar Mortgage LLC dba Mr. Cooper and I informed that I am having a hard time paying the mortgage due to my hardship and if they can reduce the interest rate or the payment amount. They sent me a letter in which the point of Contact is XXXX XXXX, the phone number which she provided is not working, she just gave me the regular customer care number and her extension. When I call the customer care number, it is not asking for the extension, so how will I dial the extension and reach the point of contact, now this is ridiculous. XXXX didn't even provide her email. 

She provided a fax number ( XXXX ) XXXX, and I faxed her on that fax day before yesterday but she hasn't replied yet. 

this is a greedy money hungry company who doesn't want to work with its customers and just want to make money by hook or by crook. 

This company is completely unorganized and think that customers are stupid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Instarem PTE Limited
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Company name : Instarem Remittance Company is holding my personal data in electronic format even though there was no monetary business taken place.. company is refusing to delete my personal data and giving all sorts of over the top inadequate response and closing complaint each time.. this is the third time Im opening up a complaint.. Not convinced with company approach in answering concerns

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 2021-06-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX  XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE 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 2017-04-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am currently in an income-based repayment plan for my federal student loans. These loans are being serviced under FedLoan Servicin g ( myfedloan.org ) in accordance with the Public Service Loan Forgiveness program.      I have asked  FedLoan to confirm the number of qualifying payments toward the PSLF program multiple times through their online portal mailbox ( 3 times in the past 3 months ),  but they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have held account number XXXX with Chrysler Capital since XX/XX/XXXX on account of the lease of a XXXX RAM XXXX bearing VIN XXXX. 

On XX/XX/XXXX, I tried to obtain the " Dealer Payoff '' from Chrysler Capital since I was in the process of selling the aforementioned vehicle. However, after repeated contacts with members of their team, I was denied the request and no logical explanation was offered. 

I sold the vehicle on the same day ( XX/XX/XXXX ) to XXXX located in XXXX, NY and they used the " Customer Payoff '' information provided by Chrysler Capital to determine the payment amount. It is my understanding that XXXX has paid the entire sum of {$23000.00} from the " Customer Payoff '' statement, including the tax amount of {$1800.00}. It is my understanding that XXXX can not be charged any taxes because they're a car dealer. Also, since Chrysler Capital has not sold the vehicle to me, they can not charge me the taxes. 

Accordingly, I need Chrysler Capital to refund me the {$1800.00} that shows on the " Customer Payoff '' statement. I sent a letter to Chrysler Capital by mail on XX/XX/XXXX requesting attention to the matter. Happy to provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They keep returning my checks and won't give me instructions to reinstate despite their letters saying to call to get details about reinstatement. They've held previous checks for 3-4 weeks and returned them uncashed. They then sent me to their attorney after no one answered calls or gave me instructions to which I wrote the following with supporting documentation. 

The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX : Ditech Account # XXXX Dear Sir or Madame : I have been attempting to get my account caught up to date for over two months to no avail. After having my third check for the full amount due returned to me after being held for almost four weeks, I am thoroughly frustrated and feel that reaching out to you is my last attempt. I will be copying the XXXX XXXX XXXX as well as the FTC regarding what is going on. 

I simply need instructions on how to get my account current, which Ive been trying to do since XX/XX/XXXX to no avail. I have not been able to reach anyone by telephone, and no one will provide the instructions to me via email or letter, which is requested so I can have this matter resolved. In my last correspondence via the website, I was told the check had to be certified. In anticipation of getting the final amount ( which I still didnt receive, but for which I was now sent a request from my bank for $ XXXX because the amount on the website currently says {$8100.00} ). 

I need to know specific instruction of where and how to send this cashiers check and assurances in writing that it will not be returned to me as the past three checks have been returned. I suffered a XXXX at work a while back and am now trying to get back on my feet. Please assist me with wrapping up this ordeal and reinstatement of my account. 

Please send an email / hardy copy of the instructions ASAP so I can wrap this up. 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 2021-03-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on 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