BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my XXXX credit report of XX/XX/XXXX, and XXXX of XX/XX/XXXX, I noticed that CITIBANK NA employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not authorize and/or consent to anyone employee of CITIBANK at any time during this relevant period to view my credit report, absent which this is in clear violation of my Privacy Rights and FCRA Section XXXX b ( c ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: FIDELITY CAPITAL HOLDINGS, INC
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 is not mine

Complaint:
INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I HAVE A CITIBANK CREDIT CARD.TODAY, I WAS TRYING TO CONTACT CUSTOMER SERVICE. FIRST CALL WENT TO XXXX, THEN IN U.S.A., BOTH WERE NOT CO-OPERATIVE AT ALL. THE CUSTOMER SERVICE IS HORRIBLE, AL THOUGH I SPENT MORE THAN 30 MINS ON THIS CALL. I WAS REQUESTING FOR MY ACCOUNT STATEMENT FOR XX/XX/XXXX BUT THEY DENIED TO DO SO.CITIBANK HAS NO RESPECT FOR CUSTOMER

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 2016-11-19
Company: GREAT LAKES
State: OK
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My Federal Loan Servicer, Great Lakes Educational Loan Services ( GLELS ), created a new Unemployment Deferment form OMB No. XXXX ( Expires XXXX/XXXX/2018 ), which authorizes " them '' to contact me " only '' by cell phone on page XXXX of the form. I " only '' want to be contacted by GLELS through the U. S. Postal Service and I want my loans discharged according to the discharge clause in " our '' Master Promissory Note contract, where I was a victim of crimes by the University XXXX XXXX XXXX XXXX ( XXXX ) employees. 

I have asked that my Federal Student Loans be discharged due to the beating, discrimination, and fraud I suffered from employees at OUHSC. Therefore, I am registering a complaint about this form with the Honorable Senator XXXX XXXX ( XXXX ). Furthermore, I am writing President-Elect XXXX and President Obama about this matter requesting my student loans be discharged and those that committed crimes against me regarding this matter be immediately arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a title loan years ago for a vehicle that now has a bad engine. I told them that I could no longer afford to pay for something I 'm not in possession of. They requested a voluntary repo report or a payment. I informed them that as soon as the lien holder provides me with the documents, I would forward them to them. I asked them to stop calling & leaving voicemails multiple times. They have continuously called asking for a payment. After I told the office manager that they were harassing me & that I was going to file a complaint, he said " the store is closing anyway so do what you got ta do. '' I 'm now doing what I have to because this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
TD Bank 's XXXX loan department is employing unethical and possibly illegal " bait and switch '' sales tactics. The CFPB is hereby requested to investigate this bank 's operating techniques. 
Background : I applied for a home equity loan with the merchant o n XX/XX/2016 and after their check of my credit score and income received confirmation of the rate and amount promised by the TD sales rep initially. The TD loan processor then informed me on approx XX/XX/2016 that the bank was significantly increasing their offer interest rate and decreasing the loan amount based on, they claim, an appraisal. Their appraisal value is dramatically lower than one I had done just a few years ago and during the depths of the great recession, which does n't make any sense as property values around here have only increased since then. I have had other appraisals done over the years from previous refinances that reinforce my understanding of the property value. XXXX down with the TD loan processor reveals their appraisal uses some kind of hokey internet-based estimate and the TD underwriting department has refused to go by the traditional, more accurate, industry respected comparable sales appraisal. TD has obviously implemented a scheme to defraud consumers by using a low-ball fake property valuation methodology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My wife and I bought furniture at XXXX/Ashley Furniture XXXX on XXXX XXXX, 2014. We agreed to a 20 month promotion with which we misunderstood the " no interest '' aspect for an initial total of {$10000.00}. We made a payment every month of at least the minimum required, including a {$5000.00} payment last week. It was the interest charged line item on our last bill of {$3700.00} that is the reason for this complaint. Yes, shame on us for not scrutinizing the fine print on the initial paperwork and the monthly bills, but, in our defense, we have never had a transaction like this. I can not believe that it is legal for XXXX/Ashley Furniture/XXXX to charge 28.99 % interest in accordance with their convoluted Finance Disclosure Form concerning Deferred Interest with Payments. We are in our XXXX worked as professionals all of our adult lives ( I am still working full time XXXX ) and feel that we have been taken advantage of because we are busy. This type of promotion is deceptive and fits the definition of usury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Despite repeated phone calls to TD Bank, complaining that reordering transactions from High to Low, has resulted in hundreds of dollars of overdraft fees, I was told that I did not " fully opt out ''. 

I do not understand. They wanted me to listen to a recording and " consent '' at the end. Yet, their recording stated that I may still be charged {$35.00} per transaction, even after I sign up! I immediately denied this and I can prove this because I recorded the conversation. This is lawful because I live in New Jersey, which is a one party state. 

I also read that despite TD Bank paying a {$62.00} XXXX dollar settlement for reordering transactions, they continue the practice to this day. TD Bank remains the only bank who still reorders transactions from High to Low. 

I 've tried several times to work this out with TD Bank, to no avail. This is horrific and this predatory practice preys on those who, like me, live paycheck to paycheck, for they know we are also the least likely to fight back. We are unable to close the account with a negative balance yet unable to pay. Meanwhile, they continue to add fees and it feels as if I 'm in TD Bank Prison and I 'm unable to break free. There are two proposed class action lawsuits filed against TD Bank this year alone and one of them is for -- you guessed it -- excessive fees. The other is for their coin counting machines. In my humble opinion, TD Bank has engaged in the predatory practices of Bad Faith and Breach of Contract and it is no accident that the most damage has been levied at those least able to fight back : the working poor. This is unconscionable and they need to be held accountable. Please help us. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Mid-America Accounts Control Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. 

Now remove these erroneous items from my credit reports immediately.

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 2016-01-05
Company: LTD Financial Services, L.P.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I set up a payment plan with LTD Financial Services to pay off XXXX of my XXXX private loans. We set up a 3 month payment schedule and upon confirming the plan I asked to not be contacted at my place of employment as it is prohibited. Upon the expiration of my initial payment plan, XXXX XXXX contacted my place of employment against my expressed wishes not to contacted. In fear of losing my job, I looked into whether or not they are allowed to contact my place of employment, under the Fair Debt Collection Practices Act she was only allowed to contact my job once, she has violated that. Upon further investigation LTD Financial Services have been sued previous for this same type of behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XXXX we bought a XXXX Mercedes-XXXX ( Vin XXXX ) .And in exchange we put our XXXX XXXX XXXX on trade for this vehicle. The vehicle ( XXXX ) had so many problems, needless to say the car was not worth it. We talked to the company about exchanging it for something else or maybe getting it fixed but they did n't want to help us out at all period. Supposedly after we had already bought it and had for a week they told us that the vehicle that they had sold us was not even part of the company that it belonged to the XXXX and he was selling it there. So since they did n't want to help us in any way we decided to surrender the vehicle back to them, but now we got a letter from Santander Consumer Bank that the XXXX went into auction but we still have to pay and outrageous total of {$15000.00}. We are looking at this as we should not have to pay it because we surrendered the vehicle due to the lack of no help from the car company ( XXXX in XXXX Mississippi ) or the bank ( Santander Consumer Bank ) and also because we had traded in our vehicle as well. All we need is a solution for this problem or some help on what we can do with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Loan Modification from Ocwen Servicing ( loan # XXXX ) in 2012. Recently they have informed me that the modification never happened, even though I have documentation from them that I was approved, and I have never been late or missed a payment in XXXX years. ( Since I went on the home modification loan ) XXXX XXXX XXXX with the XXXX XXXX is assisting me, she has all of my documentation. ( XXXX ) XXXX case # XXXX. I also sent all of my documentation to XXXX XXXX XXXX XXXX XXXX expert with the Virginia Office of the Attorney General.. ( XXXX ) XXXX. Ocwen recently sent me a letter through their attorney, XXXX XXXX XXXX ( XXXX ) XXXX that they were in the process of foreclosure. Please help me. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Have lived here XXXX years. The wife and I recently retired as XXXX. Thanks so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Currently have an Administrative Wage Garnishment in effect that is 25 % of my biweekly pay. This went into effect without knowledge of a summons. Contacted Alaska Commission on Post Secondary Education ( ACPE ) about the issue, and was told that they were able to proceed even without my presence or knowledge. Attempted to negotiate a payment plan, but was declined. ACPE told me the only way the garnishment would be lifted is if paid in full. Their other alternative was filing for a reduction from 25 % to 15 %. Filed the proper paper work and was denied even that. I am in a place where I can pay affordable monthly payments, but want an option that wo n't keep damaging my credit. The XXXX on my credit has had a negative ripple effect on more and more as time passes. I am trying to be proactive with my finances, but ACPE has put me in a stranglehold from moving forward. I have called ACPE countless times on my options, and all I get is the same thing back. I can not believe there are no relief alternatives. No options after the administrative wage garnishment is in effect. After half a year of payments, no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an Auto Loan through Sandtander Consumer USA, they stopped wanting to workout arrangement for payments during my time of financial difficulty. They repossessed my vehicle and sold it at a auction. I sent them on debt settlement offer on XXXX XXXX, 2016, to settle this debt and get it cleared to a {$0.00} balance. It is now XXXX XXXX, 2016, and I have not received a response of acceptance or counter to my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am one month late on my car loan and the company is harassing my mother, father in a different state and even had the audacity to call a XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have paid off this loan and the company keeps adding cost to this. after I paid it off I got a letter saying that I owed XXXX, I sent them the payment and today I got another letter saying that I owed an additional XXXX. When I called them they say that they did not receive anything. They have done this to me before by not posting payments and charging me late fees. I have called them and they have straitened it out before but are now not sending title without an additional fee being paid. I do n't know what else to do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Had an auto loan with Santander USA open in XXXX. Voluntarily surrendered in XXXX. 
Vehicle was sold on XXXX/XXXX/XXXX yet Santander USA has reported late payments from XXXX until XXXX. In XXXX they reported paid on time- which is the same time that Santander USA said they sold the debt. 
After they received possession of the car and they sold the vehicle, how can I be liable and charged for late payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received several alerts from the XXXX different credit monitoring services that I use that both show a CITI CBNA credit card with a {$1800.00} limit was opened in my name on XXXX XXXX XXXX. I did not open an account with this company nor have I applied for a credit card. There is also a CBNA XXXX XXXX XXXX hard credit inquiry that was pulled on me on XXXX XXXX XXXX. I did not apply for any credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Last XXXX, I used my ( rarely used ) Macy 's CC to make a purchase for {$270.00}. I never received a XXXX statement ( did not realize they no longer mail them out ), which led to account being overdue in XXXX. In a phone call we ( my boyfriend and I ) had with a Macy 's credit services supervisor on XXXX XXXX, XXXX, after discussing the circumstance of my case, we agreed I would pay {$280.00} ( the {$270.00} plus {$5.00} in interest ) and Macy 's would reverse the {$25.00} late fee they had charged my account. I further requested my account be closed. 
In fact, Macys did not close my account and only reversed {$12.00} of the late fee, leaving a balance of {$13.00}, then proceeded to charge my account monthly with more fees and interest which unknown to me grew to {$66.00} by XXXX/XXXX/XXXX when they called me seeking payment. After we spent an hour on the phone on XXXX with another supervisor at Macy 's Credit Scvs, explaining the situation, they agreed to reverse all of the {$66.00} in fees and interest. I again requested they close my account. 
In fact, on XXXX Macy 's only reversed {$30.00} of the {$66.00} balance, again did not close my account, then proceeded again to charge my account monthly with more fees and interest which grew to {$140.00} by early XXXX, XXXX when they again called me seeking payment. 
We spent more than another hour on the phone on XXXX XXXX, XXXX with yet another supervisor at Macys Credit Svcs. At the end of this conversation we agreed that I would pay Macys {$15.00} ( the original {$13.00} of late fee from XXXX plus {$2.00} in interest ) and Macys would reverse the remaining fees and interest and finally close my account. 
In fact, on XXXX Macy 's credited my account with just a {$15.00} payment, reversed nothing, leaving a remaining balance of {$120.00}. While they now show my account closed, they have since contacted me several times seeking payment of the remaining balance. 
I wish to formally file a complaint about their pattern of unethical behavior, of promising XXXX thing and doing a another on repeated occasions over the past 7 months. I want them to reverse all remaining fees and interest and stop their harassing phone calls. I am seeking your assistance n reaching a final resolution to this never ending cycle of them charging fees and interest on other fees and interest long after my bill was actually paid off in the amount they agreed to.

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