BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-06
Company: Synovus Bank
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Statebridge had agreed to a settlement verbally between my realtor the buyer and the loss mitigation agent. Now they are requesting 3times the amount they agreed to. My house is in jeopardy of getting foreclosed on. Statebridge Company has a horrible XXXX  rating and I have read through the complaints via the XXXX  website. They are pulling the same tactics with me now. 

They need to honor their word and commitment so my short sale can close. 

Now I am requesting a QWR RESPA TILA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint. 

Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed. 

Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper. 

Thank you, XXXX and XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Grant & Weber
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 was discharged in bankruptcy

Complaint:
Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.

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 2017-02-14
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Grant and Weber, when you call the number you get only offer after offer, you can not enter the extension given on the letter. Then you are given a new number telling you the original number has changed, but it is more offers. I am unable to speak with a live person about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I need some help, I have requested several times validation and proof of payments, copy of signed contract etc. I do not feel I owe this company anything and need to see the full history of payments, signed initial contract etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-03-19
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My XXXX vehicle was repossessed on XXXX. I received a certified letter on Saturday, XXXX XXXX from Santandar Consumer USA Inc. dated XXXX that I had " under Georgia Law , you have the right of redemptionand the right to demand a public sale of the Vehicle. To exercise your right to demand a public sale, you must notify us that you want a public sale within ( 10 ) days from the date of we mailed this notice. You must send the notice by registered or certified mail or statutory overnight delivery addressed to Santandar Consumer USA Inc., XXXX, TX XXXX. '' My complaint to your agency is that Santandar purposely and knowingly timed the attached certified letter to be received on the 10th day after their letter was generated causing the ability for me to respond and exercise my rights under Georgia Statue for a public sale not possible. On XXXX after arriving back from a business trip I have sent Santandar Consumer USA Inc. a certified letter Priorty Mail demanding public sale of said vehicle. My question is how can anyone respond to this timing of their letter being received on a Saturday afternoon. My second question is why did Santandar send this certified letter on XXXX and not earlier knowing that time of essence is essential to get fair market value of said vehicle. I want to know if this has or is happen to other complainants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
About  XXXX   XXXX ,  XXXX , I received in the mail a notice of pre qualification for a loan f rom One Main Financial . On their website, I supplied some information to see what loan amount I would qualify for. I received an email stating my loan was approved for up to {$12000.00}. I took in my information t o the One Main location  on the mailing. I was told I would qualify for {$6000.00}. I was also told to submit more information which I did, including my finished  XXXX  tax returns that showed an adjusted income of {$56000.0 0}. Ione Main Financial sent   me a denial of credit stating my income was not enough to qualify. Then, about  XXXX   XXXX ,  XXXX , I received another notice in the mail from  One Main Financial that I pre-Qualified for {$5200.00}. One Main kept running my credit report which caused my credit score to  fall due to to many inquiries, making the loan I did receive with another company on  XXXX   XXXX ,  XXXX , more expensive, due to the increased interest rate. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State. 
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX issued a gap insurance refund to Santander Bank in XX/XX/XXXX fro an auto loan. Santander was to re-issue the refund to me. I called on XX/XX/2016 to inquire since it had been 3 months and was told the check was mailed. I called on XX/XX/XXXX to inquire because I still have not received the refund. Santander now says XXXX was to issue the refund ( XXXX ). I called XXXX on XX/XX/XXXX but they have no record of a refund. I called Santander back, as directed by XXXX, to inform them of this and was told there is no record of a refund in the amount of {$520.00}, but on XX/XX/2016 there was and I have a photocopy of the check XXXX sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my co-signer and I had a loan through Santander consumer usa for over two years and kept our end of the contract and paid every month on time. they reported the payments to the credit bureaus. Then I went bankrupt for medical reasons but continued to pay the car loan on time and signed a reaffirmation agreement. they took the entire loan off my co-signer and my credit report and stole any credit i have earned. My car got financially totaled and my car was paid in full after the reaffimation court date. santander refuses to put any of my good work on the credit report. I more than kept up with my end of the deal and they worked hard to not do part of there side of the deal. I have proof and paperwork but no way to upload it onto my computer just ask and I will send them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hudson City Savings Bank delayed or colluded to delay our conventional mortgage application to force an increased rate - the very highest in the nation currently - even though applicants/buyers are of the highest credit standing, for a total cost increase of more than {$55000.00}! 
We applied for a conventional mortgage in XXXX, finalized in XXXX but a closing date was not set until XXXX XXXX. There are no credit issues with the buyer or issues with the property. Buyers have excellent credit and full financial resources to meet any bank requirement. The loan was placed through a mortgage broker, XXXX, since he helped provide pre approval rather than our bank, XXXX whom we have an excellent relationship with. All papers were submitted to Hudson City by XXXX XXXX. Clear to close was not given until XXXX XXXX. 
Upon speaking with a XXXX at the closing office I was told it was my own fault because there is a clause in the mortgage contract, separate from the mortgage contingency, that provides for the sellers to have three weeks AFTER clear to close so they can move. XXXX at Hudson City said she discussed this clause at length with our attorney and that it is our own fault for signing the contract. The deal of four business days will cost us {$26000.00}. Hudson city, had full knowledge and deliberately delayed as is evidenced by their representative 's remarks about our signing the contract. Such behavior is disputable and unacceptable. We are consumers and trust the bank we apply to be honest and forthright with us. We also hire an attorney to protect our rights. Neither has occurred thus far. 
Closing is set for XXXX/XXXX/2015 with the rate lock running out on XXXX/XXXX/2015 allowing Hudson City to charge a higher than industry standard rate by a full half percent - or more than {$55000.00} over the life of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for my debt.

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 2015-12-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citi Bank cancelled my card for " non use '' after I 've been a member in good standing since 2001. I believe they are unjustly cancelling anyone that has cash back " dividend '' cards. I found nothing in the terms and conditions that state the card needs to be used a certain amount to avoid being cancelled. Now they will only give me a new card by running my credit again and damaging my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citifinancial decided yet again to transfer my loan and change my account number which resulted in them taking my money but refusing to apply it to my account. Now I am being charged interest in should n't be and I can not do my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Aargon Agency, Inc.
State: AK
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:
I noticed a hit on my credit monitoring site from Aargon Collection Agency. The original debt was from XXXX, which I visited in XX/XX/2015 for an emergency repair. I paid at the time of service. I called XXXX asking for information about the bill. They refused to provide me with an itemized bill, and told me to contact the collection agency. XXXX did attempt to confirm my contact information. The wrong address and phone number ( not even close - in another state ) was on the bill. I expressed concern that I did n't think the bill was mine. They refused to discuss it and told me to call the collection agency. I called Aargon Collection Agency, who initially told me that I would have to get the itemized bill from the vendor and there was nothing they could do for me. They also had the wrong address and phone number. I told them that XXXX had told me that I would have to get the itemized bill from Aargon. The Aargon representative became aggressive and told me that asking for verification of the debt would take time, and kept pressing me to pay the bill. I refused, and told him that I wanted to file a dispute. He told me that was impossible, the bill was mine, and I should pay it. He told me that he could make a note on the file saying that I was in the process of getting an itemized bill from the vendor, but collections would continue. I asked him to transfer me to someone who could file a formal dispute. He told me that the manager was on break. I asked for a callback, at which time the manager magically reappeared. The manager told me that I had to request an itemized bill in writing from Aargon. I told her that this was not what the original representative told me, and pointed out that if I had not insisted on filing a dispute, nothing would have been done. She told me that I could put it in my letter. My concerns are : 1 ) the only correct information they had on this bill was my name, which should give any reasonable person doubts as to the accuracy of the bill ; 2 ) I was pressed to pay the bill over the phone even after expressing these doubts and asking for verification ; and 3 ) the original representative gave me false information about how I could verify and/or dispute the bill, and tried to prevent me from speaking to someone else.

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 2016-11-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
THE COMPANY SHOWED A 30 DAY LATE IN XX/XX/XXXX. THE COMPANY ALSO SHOWED A 90 DAY LATE IN XX/XX/XXXX. THE PAYMENT WAS NOT LATE, IT WAS MADE ON TIME. I HAVE MADE NUMEROUS ATTEMPTS TO RECTIFY THE MATTER BY SHOWING ITS INCORRECT WITH THE COMPANY.

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 2015-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have a credits cards debts that i paid off as agreed and the debts suppose to be erase after a months but until now, they still posting that as a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I could pick a few of the issues above. After numerous attempts to validate this debt I was never given a response. They called me from now fewer then XXXX different number at all times of the day and even called a place that I have n't worked at for years. After the constant harassment I contacted them to just get rid of this. After talking to numerous people on different occasions I was mislead to believe that this was to be deleted from my reports, that was my only reasoning on settling this debt that I have no verification of. So in good faith I came to a settlement to resolve this situation to just get rid of it. Now they refuse to follow through on their end. After XXXX ' of calls from them from different numbers I agreed to resolve this amicably only to be misled by them.

Company response to consumer: Closed with non-monetary relief