BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Account number : XXXX 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/2014 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 or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments. 
Due to these health issues it is a hardship to move. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After XXXX XXXX failed to submit my paperwork for consolidation, my loans went into default and my credit took a steep dive. I switched to Navient and got my loans consolidated. Everything seemed fine at first but then came to " income based repayment option. '' After submitting for lower payments based on my income, I was sent information stating that my payments would be nearly $ XXXX/month and the only way to avoid making such outlandish payments would be to sign up for forbearance. I did and I was never told by doing so the interest in my loans would keep accruing. I do n't know what else to do to lower my payments except submit pay stubs as they suggested and reapply for lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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 or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Santander Bank held my deposit even after the funds cleared the bank on which the funds were drawn ( which was my business account with XXXX ). As a result the payment of my mortgage with Santandar will be late. I expect Santander to charge me a late fee and may report my late payment to the credit agencies. I complained about the impending late fee and the credit agency report to a customer service supervisor, XXXX, at the Santander phone center in Rhode Island. XXXX said that Santander 's policy is to hold deposits up to 4 business days before crediting the money to the depositors account even if the funds have cleared the source bank account. ( XXXX refused to give her last name. ) The deposit to Santander was made XX/XX/2017 and cleared XXXX XX/XX/2017. The mortgage is due XX/XX/2017. On XX/XX/2017 the on-line Standander statement reported that the funds to make the mortgage payment were " unavailable. ''

Company response to consumer: Closed
Consumer complaint received 2016-01-03
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
CHARGED OFF ACCOUNT THAT WAS PAID IN FULL, IS NOW BEING REPORTED WITH A BALANCE, SEVERAL COMPLAINTS HAVE BEEN MADE AND NEVER RESOLVED WITH A CONTINUED " RE-AGING '' OF THE ACCOUNT TO SHOW THAT A BALANCE IS BEING OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX medical bills on my credit report that I have spoken to a representative about that I should not be charged for and she said it should be removed within 30 days after I provided the needed documents such as copies of my insurance cards and the bills are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
the debt in question was incurred under the duress due to XXXX 's billing tacticts. I was covered under insurance and prohealth was made aware of the coverage but they informed that they did no participat with my insurance company less than XXXX hours before the performance of my surgery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last year, I switched banks to Santander Bank because they were advertising the Extra XXXX checking in which they credited your savings account {$20.00} per month if you met certain activity requirements on the attached checking account. In radio ads, they clearly implied and stated it was not a limited time perk, but " forever ''. I again asked this when I opened the account and was told it would not be changed. In an XXXX XXXX letter I was informed they would be changing my checking account to a simply right checking effective XXXX XXXX, 2016. So now the {$240.00} per year perk has been eliminated. I feel this was an unfair and deceptive practice because I was clearly lead to believe this was n't going to be changed or a bait and switch tactic - which it clearly was for me and the thousands of other people who believed 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 2016-11-18
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an issue with my insurance company in lat XXXX and early XXXX. I had XXXX bills that were not paid and were sent to collection. I communicated with Armada and let them know the insurance would be paying. In the process of me getting it all worked out they started trying to garnish my wages. The insurance company did pay most of the debt in febuary directly to the hospital and I did not hear from Armada again until XXXX. Now they have added more interest, more legal fees and have not taken the bills of that were paid or reduced the ones that were partially paid. I contacted XXXX at Armada in XXXX Washington and she refused to help me. She stated that I am responsible for the amount and the interest and she refused to help me. XXXX has a personal problem with me and said they have legal documents and would not help me. Armada also has attempted to collect this in the past and they know because of my child support garnishment they are unable to garnish my wages. She is doing this now just to rack up fees on the account and she well knows my situation from the last time before the insurance paid the bills. I was also not notified by the original creditor or armada about any remaining balance and Armada does not want to acknowledge the bills were paid by insurance. This company is know locally for dishonest tactics and now will not even answer my phone calls. Armada has also falsely reported the collection on my credit report causing my score to drop and affecting the interest rate of my last loan.

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 2015-08-10
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX On XXXX/XXXX/XXXX we submitted our authorization to Carrington. We have requested a postponement of their upcoming foreclosure date of XXXX/XXXX/XXXX, as there will be an equity sale that will pay the investor IN FULL. Carrington currently has an opening bid of $ XXXX, which is well below the amount owed to the investor. 

Please see attached Carrington payoff demand, HUD, Offer, which show this will be an equity sale for Carrington has only had this loan since XX/XX/XXXX.Carrington immediately filed the NOTS on this loan, and has not once contacted the homeowner to discuss foreclosure options. Carrington has not once contacted the homeowner to attempt to do a loan modification. The previous servicer stopped taking payments from her XX/XX/XXXX. The previous servicer, XXXX XXXX XXXX, never attempted to do a workout with the homeowner. Carrington has not once ever contacted the homeowner or informed the homeowner of any Home Retention Options. It is likely that XXXX XXXX XXXX and Carrington BOTH have violated HBR and Federal Servicing guidelines, as neither lender has attempted to do any kind of workout. Carrington took over the file and a NOTS was immediately filed with no contact to the homeowner whatsoever. It is obvious there is FRAUD going on at Carrington, and possibly XXXX XXXX XXXX as well. 


Carrington is refusing to postpone the sale date to allow the equity sale to take place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels. 

1. Carrington forecloses on properties to that they may steal the homeowner 's equity in the property. 
2. Carrington forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. Carrington forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves I am sure Carrington is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help. 

It is my understanding that this is not the 1st time this exact complaint has been made to the CFPB. Carrington, in fact, has done this exact thing with many other homeowners. We would be happy to provide evidence of this upon the CFPB 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred from XXXX XXXX XXXX to " Loancare a XXXX Company ''. We were given a loan ID at Loancare that does n't exist. We can not contact anyone at Loancare to correct this. We are put on hold after which the phone goes quiet and then hangs up 3 minutes later. 
We can not resolve this issue to pay our mortgage. Why is this so hard?

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 2016-09-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX 2011, I was involved in a car accident. The car was financed by Nissan Motor Acceptance. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from NMAC about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Southern Management Systems Inc.
State: MO
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 was a co-signer on an apartment lease for my son from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX only. My son signed another lease from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX without me as a co-signer or guarantor. I paid his rent during the time I was his co-signer ; however, he was solely responsible for the next year 's lease. He owes the debt, not me for the months of XXXX in the amount of {$2000.00}. I tried to explain this to the collection agency many times but they continuously harass me stating, " They do n't care. I 'm his mom. I 'm liable too. '' He 's XXXX years old.

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 2017-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

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