BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-03
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a family emergency in XX/XX/XXXX and took out an {$800.00} loan from a company called Big Picture loans. I was told by a representative of the company that I would have to pay back {$1000.00} which included a {$200.00} finance charge. I thought that was kind of steep but I agreed to that term. They begin taking out {$200.00} bi-weekly out of my account. Once I reached the {$1000.00} and assuming this was my last payment, I get an email XX/XX/XXXX from them stating it 's time to process another payment out of my account in the amount of {$220.00}. I immediately called Big Picture loans but could not get anyone on the line. I conducted some research online and discovered they are predatory lenders. I took a closer look at the Disclosure statement and this is what I discovered : the interest rate of 650.0065 % and a finance charge of {$4200.00} with a total payback cost of {$5000.00}. This is ridiculous. How can they charge me {$5000.00} for an {$800.00} loan? I have paid them the {$1000.00} that I agreed to If this was explained to me during the time of taking the loan, I would have refused to take it. Please help me obtain some resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 my elderly mother XXXX XXXX XXXX sold her home. I am her son and Power of Attorney XXXX XXXX. As part of the process we needed to close out her Home Equity Line of Credit with " M and T '' Bank ( Line of Credit Account Number XXXX ). After much difficulty we finally got a letter from M & T with instructions to pay {$33.00} as the discharge and satisfaction fee. We paid this amount immediately, and it posted to her account on XXXX/XXXX/16. I then made several attempts to have the account closed to no avail. Finally a branch person, contacted the Home Equity division at my request and she assured me that the loan would be closed. I waited 2 weeks and still the loan was not closed. I again contacted my branch person and she checked again with the Home Equity division and discovered they had taken no action. Finally on XXXX/XXXX/16 my branch person emailed me saying the loan was closed, but still there has been no recording of the loan closing made with XXXX XXXX. We paid the {$33.00} discharge fee and expect that the closed loan would be recorded with XXXX XXXX. Please help make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have been talking to a man for over a month that I met through XXXX. He lives XXXX I live XXXX. He is businessman opening up XXXX. He had to take a trip XXXX to purchase merchandise for his grand opening. He was to stop back XXXX to meet up for the first time. On the last day of his trip, he was attacked by armed men and missed his flight. He was in desperate need of {$650.00} to rebook his flight home. In previous conversation, I had asked him about siblings and parents and he is an only child with XXXX parents deceased. He started calling at XXXX and finally got hold of me by XXXX. I stupidly agreed to send him {$300.00} to help him out. I have never been outside the US so I have no idea how any of this works. He had me send this money XXXX ( whom he said was a ticket agent there in the airport ). He also tried getting me to send him the additional {$350.00} XXXX, thankfully there was a hold up and I got my money back from that transaction. I have done further research on this person who claims to be XXXX ( i have texted, emailed and spoken to him on phone ) he has a cell phone XXXX ( claims he used to work there XXXX - the number is XXXX XXXX. He has also called me several times from the following international number - XXXX XXXX XXXX XXXX XXXX XXXX. The pictures he has portrayed as being him are found ( upon further searching on my part ) on a web site called XXXX XXXX as a scammer from XXXX possibly. He has a XXXX page as XXXX XXXX XXXX - with only XXXX friend, a female named XXXX I have tried messaging her to find more info, but she has not answered me back. On this XXXX website his picture is attached to XXXX website as XXXXXXXXXXXX He is emailing me from an XXXX on XXXX but wont answer my requests to snap a selfie and send to me and my daughter checked his email XXXXXXXXXXXX for I message but that app is suspiciously turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CORELOGIC INC
State: NJ
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX/XXXX  and on XXXX XXXX, 2019, CREDCO add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2015-11-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied for a pay day personsal loan XXXX REP XXXX XXXX. ( XXXX ) XXXX I was advised {$230.00} would need to be transferred XXXX I sent the {$230.00} From CVS XXXX. the loan people contacted me and telling me I was all set and funds would be transferred for {$2200.00}. {$2000.00} loan and my intial {$230.00}. XXXX XXXX advised to contact XXXX XXXX bank XXXX to completer the transfer. I called and was advised to send an additonal {$290.00} which was not advised under the terms and conditions with the first rep. So I asked for my refunded amount of {$230.00} and they are not willing to do so as I was advised it was refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. I am attaching documents to support my claim.

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 2017-01-07
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I sold my house ( XXXX XXXX XXXX XXXX, XXXX, NC ) and closed on XX/XX/2016. I wrote a letter dated XX/XX/2016 ( see attached ) to M & T Bank, the mortgage company, requesting the " Recorded Release of lien for the property/Recorded Certificate of Satisfaction from XXXX County NC Register of Deeds ( See attached ). Have not received the original note either.To no avail.

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 2015-05-07
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I suffer from XXXX and XXXX. In 2011, I visited a car dealership with my wife just to window shop because I did n't have a down payment. Soon the sales rep led me in the financing officer 's office and offered me something that has now totally destroyed my credit. They suggested that I write them XXXX post dated checks and that they were going to lie and tell the finance company that I maded a {$1500.00} down payment. Having problems making good on the post dated checks, I had to take out multiple pay day loans in order to pay the car dealership. I still owe those loans XXXX years later. I told the loan company about my problem but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Reviewing the payment history of my vehicle which was totaled XXXX XXXX 2016 ... ..I was concerned about the XX/XX/XXXX payment being returned due to the fact I paid it early, but totaled the vehicle before it was due. While looking into that I noticed inconsistent application of my monthly Principal and Interest payments by the lender. If someone could review this history and determine that I was caused no harm in that my payments were in some cases not applied to my principal balance ( not even in part ) causing my payment to not change ( decrease ) ... then I ask for this to be corrected and me to be reimbursed.

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

Complaint:
I had a auto loan with Santander USA. I paid the balance of the loan in full in 2013 and received the car title, however Santander repeatedly calls " in an attempt to collect a debt ''. I have explained at least XXXX times that my loan is paid in full and keep asking to be removed from their call list. I am told each time that I would be removed, just to find that they continue to call. The latest call was received this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Navient Solutions, LLC.
State: ND
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls about the same subject matter. 

Company changed the payment amount.

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 2016-10-07
Company: Synovus Bank
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
This account was closed 1 year ago and with a XXXX balance. I received my full security deposit from this company. Since that time they have hired XXXX company to pursue undisclosed charges. Not once did the company a specific date or transaction yet added a new balance of {$200.00}. I 've since become permanently XXXX and notified XXXX XXXX and XXXX XXXX of my exempt from collection attempts at my home or phone. XXXX XXXX has ignored the request to stop harassing me and continues aggressive collection attempts and still sends statements in an account that was close in XXXX 2015 one year ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ). 
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly.

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 2015-11-19
Company: Aspen National Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done.

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 2016-06-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
Dear Sir or Madam, here is the issue I just recently went by dealing with Citi Bank credit card : last week I received an email from XXXX XXXX about opening a new credit card with Citi Bank because I already have some miles with them and they now offered more benefits and I choose to go with it and used my home computer and started on XXXX XXXX website which later transfer my directly to the Citi Bank website so when I filled out all my data online Citi Bank confirmed right away on the same screen on their website that I was approved for {$4000.00} credit card and offered 0 % interest on the balance transfer for first 21 months if I choose it right now as well as to add an authorised user so I added my wife and requested {$3500.00} balance transfer Citi Bank charged me a bit over {$100.00} for it as they said only one time fee and said that it will be no interest for 21 months but when I received actual card today the Citi Bank wrote me totally different things saying that I have to pay them 22.24 % since the beginning and even no single word about my balance transfer and that offer I used ... 
I was trying to log in on my account with them to see what 's going on but Citi Bank showed there a message it is an error and they sorry about it ... 
I called Citi Bank via my cellphone and in an hour was speaking with their technical department and they said cause some issues on their end they there flashed everything I had on my account and asked me to start over to set everything again from nothing ... 
I did as they said because they was all the time with me on the phone directing what to do and I asked them about my offer for balance transfer with 0 % interest for first 21 months - they said yes it is available but I need to speak with customer service about it and they transfer me to them only thing that Citi Bank customer Service representative on the phone said yes they have this 0 % balance transfer offer for first 21 months but my data do n't have any records about it and they not turned it on in my case I asked to speak with Citi Bank supervisor / manager about this issue but she said if I do n't have paper / picture confirmation which I must take on my own while my initial application and approval was done on their website - she can not reapply the same offer they offered me since the beginning and they going to charge me for full price and all interest ... 

I think this is perfect set up for making people trapped to pay high interest by false advertising and computer tricks which the Citi Bank is doing on purpose to gain profit!!!! 

please help me out - I want my original offer / conditions to be applied as it was on promotional balance transfer with 0 % interest for first 21 months

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 2015-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital 1 approved my application for a credit card, but wanted {$99.00} down. I gave them {$100.00}. I used the money and then I would put it back. After a couple of months, I decided I wanted to raise my deposit to {$200.00}. I put {$200.00} on the card and used it, then after the reminders to put more money on the card, I told them I did n't want the card anymore and I closed the account with a XXXX balance. 
Now I am being harassed XXXX times per day, EVERY single day including Sundays. They do n't care if it 's early in the morning or late at night. They call, and call and call. 
I tried to settle this out with several reps, but they all say the same thing. I have to give them money. Why? It was my deposit and if I choose not to use their card, and I no longer want the card, why are they forcing me to keep this card and saying I owe them? My account was at a XXXX balance when I closed the account. 
I recently received an invoice that says '' your acct has been suspended ''. What 's up with that? I CLOSED my account and nobody seems to want to hear me. I do n't want the card. I decided that I did n't want this pre-paid credit card, and now they are taking me through a lot of aggravation, especially the non-stop calls, after I told them I am not going to pay another cent, I cut up the card, and want them to stop calling me. This is MY deposit they want, and I have the right to not put another deposit down if I do n't want the card, right?

Company response to consumer: Closed with explanation