BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016, I was notified by several parties that Santander left voicemail message inquiries while stating my name. I do not have a loan with Santander. I notified Santander over the phone and in writing to immediately cease and desist all contact with me, and to stop Skip-Tracing practices and calls to parties known to me for the purpose of making inquiries regarding me. 
I am assisting my XXXX year old mother in her attempts to surrender her vehicle that she can no longer drive to Santander. She is also unable to sell the vehicle which is valued at {$2500.00} and the remaining balance is more than {$12000.00}. Santander engaged her in a loan contract that is predatory by imposing unfair loan terms with high interest rates and fees, limiting her equity in the vehicle to {$1300.00} after 33 payments totaling more than {$9000.00} over 3 years -- a perpetual cycle of debt that she will never be able to pay. 

Santander was perfectly accepting of my direct involvement with her account while I was coordinating and rearranging her payments to them on her behalf as I do with her other accounts. But, when I started challenging the the payoff and the remaining balance and discussed her wishes to surrender her vehicle they refused to work with me directly. My mother mailed her written notification to surrender the vehicle and its location with instructions to pick it up, yet they have made no attempts to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Metro Republic Commercial Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Metro Rep Comm Svc Inc. is reporting a medical collection account on my credit report to all XXXX major bureaus despite the fact that I informed them upon initial contact that I was disputing the validity of this debt. They never contacted me prior to reporting this account. I discovered the account through XXXX XXXX. I tried to call Metro Rep Comm Svc Inc. but they were very difficult to get hold of. They never answer the phone. I left more than XXXX message that I was disputing the account with the original medical provider because I did not receive the services claimed. I have asked for a complete accounting of the bill but I have been ignored. I have never received a call back, any correspondence from Metro Rep Comm Svc of ANY kind yet they are reporting this on my credit. I believe that this is a violation of several laws including but not limited to Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. I also believe this may be a violation of the XXXX XXXX and the recent agreement between the bureaus and the New York XXXX as this is a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I bought a vehicle and the Santander Consumer usa is the leasing bank. I had several financial isssues and the vehicle was repoed, i paid XXXX in debt. But the day the vehicle was repoed they cause several damages to the door bumpers and the permanent damaged the battery. Till this day nothing has been done they aledge never recieved the papers but they did. I sent all papers numerous times and my vehicle continue to be damaged.also now the vehicle is facing reposation and nobody has helped me. I want to file a small claims suit but due to my budget i cant. Please help me im a veteran witha family that counts on me to get things done. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I keep receiving calls from a debt collector, Peerless Credit, at my place of employment regarding a medical bill. I have repeatedly told them I can not receive personal calls at work, that my work number is for company business only, they continue to call my job and harrass me even though they have my personal cell number. I just received another call today XXXX/XXXX/2015 at XXXX XXXX from XXXX at Peerless Credit. I repeatedly told him do not call my work over and over again and I was filing a complaint..I repeated this until he finally hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I have a Macy 's Credit card. I purchased an item in late XX/XX/XXXX. My bill with tax was {$97.00} and change. I went online to make a payment and decided I want to pay the full amount. I called credit customer service so I could get an exact amount so I do n't get billed the following month for change. Girl in credit gives me amount I pay it immediately. XX/XX/XXXX I decided to go online to see if they added interest and they did and even {$2.00} I did not feel like making another call and wait so I opted to just pay it and be done with it. XX/XX/XXXX I check my and I am hit with ANOTHER even {$2.00} This time I decided I need to call. The credit customer service rep first tells me it is interest I explain what I have said above. The final {$2.00} ca n't be interest on {$2.00} unless your interest rate is 100 % He told me it was an error. I had the charge removed and had the account closed. I did some googling and found this is something new that Citibank is doing to account holders. It is WRONG many people have opted for paperless statements and they think they are paid and get late fees charged. Very Very unethical business practice this must be stopped.

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 2016-05-09
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I applied for American Express Platinum credit card on XXXX XXXX, 2016 with an offer to get XXXX Membership reward points after spending {$3000.00} in first 3 months. As of XXXX XXXX, 2016 ( when 3 month period ended ) i spent {$4300.00} on the card. Subtracting credits of {$450.00} my effective spend comes to {$3900.00}. All of my spending are legitimate every day spending. My XXXX points was awarded on XXXX/XXXX/2016 and they were taken back on XXXX/XXXX/2016. I still use the card for everyday spending as of today. i request to issue my points back. Its very very disappointing that they did this being an customer for more than 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Midland Funding LLC tried to sue us in court for a credit card debt that was out of the Statutes of Limitations. WE responded with this information in the clerk of courts. Midland filed to have it taken to court any. We had to attend court with a judge that preached to me and my wife that you need to be a lawyer to address the court After I stated that the Statutes were out. He would n't let me say anything else. We went to the clerks office and once again filed that the statues were out. Finally Midland had a dismissal without prejudice entered. I we had n't known to state the statues at the clerks office, We would have had a judgement against us that should have not happened anyway, like others we have with nasty midland crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
XXXX I filed a dispute with XXXX concerning a collection account on my credit by Midland Credit MGMT Inc. that states i owe {$1200.00}. On XXXX XXXX I was denied credit because the dispute was still being reported over 3 months later. I spoke with a supervisor at XXXX on XXXX XXXX They resubmitted my dispute and had no reason they could tell me why this dispute was still being reported. So, they filed a new one. The XXXX dispute confirmation number is XXXX. This is their reply to me. 
The results are : This creditor has verified to OUR company that the balance is being reported correctly. Historical account information was deleted from this account. Charge off amount {$0.00} How can XXXX say it is proven to them i owe this amount almost 6 months after first filing a dispute? If there is no historical info how was it proven to them? Why was I denied credit because of a dispute left on XXXX almost 4 months after filing it. This was a XXXX credit card originally with a credit limit of {$500.00}. I was working with XXXX, making payments. This collection agency has made up an amount, left it on my credit report and XXXX wont listen to a thing I say. Their own letter telling me it 's resolved makes no sense. These people are horrible to deal with. hard to understand with thick accents. Please help me. I have gotten no where with XXXX. They wont listen to reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney. 

I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
i was first solicited XXXX by phone. i paid a deposit XXXX for a business opportunity. i was supposed to receive including but not limited to the following : XXXX marketing services, page setup, fill out available fields, custom url, news feed builder, like XXXX industry or niche leaders, install XXXX badge onto clients website, discovery report, competitor & industry analysis, research clients business model & offering, identify targeted customer audience, demographic, behaviors and interests, develop final discovery report detailing finding, strategy report.i was never given the product as described. XXXX gave me back the money on the same charge, same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: ENCORE CAPITAL GROUP INC.
State: WA
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 garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an XXXX Judge, I live in XXXX. The debts they claim I owe are over 10 years old. The Attorney is XXXX, XXXX and XXXX XXXX XXXX in XXXX XXXX. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is Asset Acceptance , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: MOHELA
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:
MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could " see the payment in their system ''. However, they could not " verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University , XXXX XXXX MO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was sent a letter from Transworld Systems Indicating that I owed them over XXXX from XXXX. However I am in good standing with XXXX and after checking my account on XXXX 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to Transworld Systems was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This complaint involves Wells Fargo, Wells Fargo Educational Services, and XXXX. 

In 2010, I took out a bar loan with Wells Fargo. Payments made, interest accrued. No issues. More than a year ago, Wells Fargo waived all past-due interest + set the interest rate for all borrowers at 0 %. I continued to make payments. 

Recently, Wells Fargo decided to get out of the student loan business + XXXX became the servicer for my bar loan. It is not clear whether Wells Fargo sold all receivables to XXXX or if XXXX is merely a loan servicer. Regardless, XXXX and Wells Fargo together or separately have decided that the loans such as mine will be charged interest despite Wells Fargo previously notifying borrowers of the 0 percent interest. 


Wells Fargo should have a full accounting of my bar loan along with all correspondence regarding the zero percent interest.

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 2016-01-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
In XXXX of 2015 my family and I moved from our residence at XXXX XXXX after the property refused to renew our lease For which they did not provide an adequate reason as to their decision even when requested via email ( see attached ). We gave the apartment manager our contact information and requested that a ledger of any cleaning/repair after move out be sent to us ( attached ). Our schedules did not allow for a walk through with the manager however we did take pictures and have attached them to this complaint. 

We believe that we were not allowed to renew our lease as retaliation for numerous complaints that we made to management regarding appliances that did not work, health issues caused by inadequate living conditions etc. All of which they were reluctant to fix or did not at all fix. 

After moving out we never heard anything from XXXX XXXX or IQ Data for that matter not a letter, or phone call.We assumed that our security deposit had been used for cleaning and any repairs that might be needed. However, we never received an invoice or itemized list of the work that was done as is our right to receive. 

Last month we were notified by XXXX XXXX that there was a collection placed on our credit reports for the amount of {$4200.00}. We had no idea what this debt could be for since we occupied the apartment for 2 years most of the repairs & cleaning were not beyond normal wear and tear. We also never got a letter from IQ Data stating we had a debt that may go to collections instead they sent it right to our credit report with no attempt to come to a resolution. 

After a dispute was made with the credit bureaus IQ Data sent us nothing more than a copy of a minimalist walk through checklist created by the property which claimed that everything needed to be replaced including the entire carpet ( citing pet damage when we did not own a pet ), doors, appliances etc. They even finally replaced appliances that we had been complaining about for months prior to moving out. There was no break down of cost on this checklist, no receipts to justify how they got to that total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account falls under the 4 year statute of limitations and has been removed from my credit reports on XXXX XXXX, XXXX after the allotted time for the dispute. I see now as of XXXX XXXX, XXXX that this account has been replaced on my credit report. 
Dispute Results XXXX received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. 

****Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. XXXX Account Name Original Creditor Open Date Status Balance {$1400.00} MIDLAND FUND XXXX XXXX XXXX XXXX, XXXX Open {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: GVA Holdings, LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I signed an agreement showing the payments and payment dates. The loan was to be paid in full with the last payment being XXXX/XXXX/16. That is what was stated on the loan agreement that I electronically signed. I checked my account on XXXX/XXXX/16 in the morning and the loan agreement on the site still stated XXXX/XXXX/16 as the last payment. By later that afternoon the agreement on the site was changed to show the last payment is XXXX/XXXX/16. They changed the agreement without my knowledge, consent or any notification. I feel this is at the least morally and ethically wrong, if not legally wrong. Can you help me?

Company response to consumer: Closed with monetary relief