BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: HANCOCK WHITNEY BANK
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been scammed out of my money and my bank is doing nothing to help me. I did allow this stranger access to my mobile banking, but he some how got into my bank account online. I told my bank this and they seem to find no error has occured three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Essential Retrieval Group
State: WY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Contacted by XXXX XXXX XXXX initially stating that I owed {$2000.00} for a previous payday loan. Had only the last XXXX digits of my social, and my father 's name. Had a very old address. Stated that a complaint had been filed against me for non-payment of a debt. Could not tell me what company initially provided loan, or any other information, only that there was pending legal action and I would be served if I could n't get payment to them today. I gave them a bank card, which i promptly cancelled after calling the company they said they represented ( XXXX gave me all the information that I needed stating no debt was owed to them by myself, and the XXXX company, which lists a residential address and has all phone numbers associated with it disconnected. XXXX XXXX XXXX ). They promised a letter via e-mail which I never received, showing company information and debt and who the original debt was through. 
They called again this morning XXXX and harassed me again this morning, stating that the payment I set up ( wrong bank account information, etc ) did not go through ( old information again, bank account that I closed in XXXX ), and that they would sue me if they did n't receive a call from myself or my attorney by XXXX EST. They were rude and talked over me when I stated that I had filed a complaint and could find no shred of evidence that they were a legitament company. I hung up. They left a threatening voicemail which I saved on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Systematic National Collection, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had XXXX accounts with the collection agency. I agree to pay for the accounts. They told me that there policy was to pay on XXXX account, until it was paid off then pay on the other XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-05-23
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
An ongoing ( since XX/XX/13 ) online and mobile banking outage at VyStar Credit Union has left members unable to check their account balances and is interfering with their ability to make payments,

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 2016-07-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I overdrafted my checking account at sovereign bank a few years ago on a small charge. Shortly after I overdrafted I had my wallet stolen. I had overdrafted between XXXX and XXXX dollars and now I am being called by collection agencies looking for XXXX dollars. I went in to my local ( whitman ) santander branch to resolve the problem and they were not willing to wipe the charges. I am a college student and I am struggling to open a bank account because of this ludicrous fee that I can not pay off.

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 2016-08-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I buy a car in the delers of XXXX XXXX XXXX XXXX I was offered hill of interest in buying a XXXX XXXX at the time of signing not set me by the interest the day after I realized they gave me an interest 8.25 I was talking to the manager I was treated very badly and my family, and they did not explain to me that this kind of space used car tires and does not use additional tires

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Took a loan out with Santander Bank on XX/XX/2016. They escrowed money from my loan proceeds to pay all of XX/XX/2016 taxes. Just found out they never paid them and now I 'm delinquent on my borough and county taxes. When I called them they told me they never took out the money which I can see on my settlement statement they did. XXXX XXXX in Mortgage Servicing told me they never with held any loan proceeds. I want a full accounting of my entire settlement, since they also paid off homeowners, title insurance, etc. Every time I call them I get a run around.

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 2016-02-26
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: ACS Education Services
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
They make it impossible to pay, are very difficult to contact and keep reporting me and ruining my credit score. 

Any amount of research on the company ACS educational services turns up nothing but disdain from customers who are constantly getting screwed over. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
12 months ago I had to start paying my mortgage payment to PennyMac by Money Order because I had a payment to go past 30 days, this was there policy when this happened. In XXXX 2015 I noticed the payment that was made was not credited to the account, I had proof that the cashers check was received by PennyMac, who received it and what time. I spoke to a lady at PennyMac and they said they do n't have it, I had to fax the copy to PennyMac. When I talked to the lady at PennyMac ( XXXX ) she told me she had talked to my bank and the check had not been cashed by them. She said she would stay in touch with us and that it would not go against my credit and there would not be any late fees. I told her I was trying to refinance and did n't wont to hurt my credit. After 2 months I called PennyMac back because they had n't called me and I spoke to XXXX again, this was after I had left her 2 messages and she never called me back. I called because I noticed my credit score had dropped XXXX pts. When I spoke to her she said it was pretty much on me and I should have stopped payment, there was no conversation about stopping payment when I spoke to her the first time. My wife went to the back the next day to have them stop payment on the cashers check, the bank can only do it with a letter from the mortgage company with their letterhead stating why the cashers checked needs to be stopped. Since she did n't take care of what I asked about I asked to speak to her supervisor, XXXX XXXX got on the phone and pretty much said the same as XXXX. He did tell me they would put in a request to change the credit report and XXXX will call me back in a few days. She called me back on Friday of that week and told me she had tried to get a hold of my bank and had left messages and know had called her back. My wife talked to the bank and he had no calls or messages from XXXX at PennyMac, my bank had left her messages and know return calls. On Monday this week XXXX/XXXX/15 XXXX called me back and told me she had not talked to my bank and they were not able to send my bank a letter on their letterhead to stop payment on cashers check. She called me back on XXXX/XXXX/15 and left me a message and tried to call her back XXXX/XXXX/15 in the afternoon and left her a message and then called he back on XXXX/XXXX/15 and left another message. It 's XXXX Friday XXXX on XXXX/XXXX/15 and see have had know call back from XXXX. I talked to the bank and she still has had no conversation with them. The website shows all payments have been for XX/XX/XXXX and XX/XX/XXXX but no payment for XX/XX/XXXX, When I spoke to XXXX he said that payments were applied to XXXX and XXXX and no payment had been made for XXXX, they do n't know what 's been made. During the past 3 months I 've had 3-4 calls a week from an automated phone system, I 've received in the mail every week of ways to get your loan caught up or foreclosure or shot sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I made requesting to removal due to following both public records has been reporting in my credit file since XXXX XXXX item were reported by vanguard mgmt company since XXXX XXXX. Than it went court matter and paid in XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 9.5 years XXXX item were reported by XXXX XXXX copany since XXXX XXXX. Than it went court matter and paid in XXXX XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 10 years XXXX attached letter of disputes and their vague response and playing with credit since last 9 to 10 years Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a previous complaint against Seterus but after reading through a little more of the XXXX correspondence they have sent in less than a week, Seterus needs to back up and back off. They are sending extraordinarily aggressive, demanding, and unprofessional correspondence especially considering they do not have the facts of this matter and even more especially considering that I have no clue who this company is. 

The 'backing up ' is they need to introduce themselves and present me with information and documentation on who they are and under what authority and authorization they are contacting me. It sure could appear to be a scam when someone aggressively contacts you demanding thousands of dollars and making aggressive threats if do not pay it immediately. If it is legitimate, I would assume there should be documentation from XXXX as one of my outstanding issues with XXXX XXXX XXXX is they never provided such documentation and also were barking orders ... 

So once Seterus, or more like XXXX, provides that information, then Seterus can open up discussions and this is then we begin addressing the fact that the information they have is incorrect as already mentioned in the previous complaint. 

Based on the correspondence received, I am very suspect that Seterus has violated rules and/or regulations as you ca n't just start flooding people with correspondence and making extreme demands and threats and especially without proper documentation too all aspects of the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 my home was damaged by a hail storm. Following the inspection by my insurance adjuster, I contacted my mortgage servicer, PennyMac, on XXXX XXXX, 2016 to initiate the claim process and determine what documentation would be required to repair the damage to my home. At that time the specialist informed me that I am able to act as my own general contractor and emailed me the claims package with the required forms and all documentation I needed to return. The specialist was very clear in her instructions, detailing all information I need to provide on the notarized Mortgagor 's Affidavit and as well as the information I needed to include the letter stating that I will act my own contractor. 
Once all required documentation was collected and the claim checks received by the insurance company, I overnighted all information to PennyMac on XXXX/XXXX/2016. On XXXX XXXX, 2016 PennyMac received all documentation in the overnight packaged and proceeded to deposit the insurance claim checks on XXXX/XXXX/2016. 
Based on the information I received from the PennyMac specialist on XXXX/XXXX/2016 and after receiving the insurance adjuster 's damage estimate, I began to make the necessary repairs to my home paying for the materials from my personal funds, based on the knowledge that I was able to act as my own general contractor. 
I did not receive any correspondence or other communication from PennyMac with the status of my claim. On XXXX/XXXX/2016, I called PennyMac and spoke to another specialist who informed me that my account was in " Express Monitor '' status and the accounts payable department is in the process of creating your disbursement of the full amount of insurance claim. She informed that it can take 4-5 business days and advised that I call back on XXXX/XXXX/2016. When called back on XXXX/XXXX/2016, a new specialist informed me that more documentation was needed and I need to return a signed work contract, lien release and XXXX from a licensed contractor to get my funds released. The specialist said that I am not allowed to act as my own contractor. This is in complete contradiction to the information that was provided on XXXX XXXX, 2016. I 'm begin to occur interest on the out pocket expenses and not sure what recourse is available to receive the insurance claim funds that PennyMac is in control of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XX/XX/XXXX, the borrower defaulted on his first lien mortgage loan, which loan is serviced by Seterus. Seterus commenced a foreclosure against the borrower on XX/XX/XXXX. On XX/XX/XXXX, the borrower and Seterus entered into a permanent loan modification under the XXXX Standard Loan Modification program. After the borrower 's loan had been permanently modified, Seterus charged {$340.00} of legal expenses to his account on XX/XX/XXXX, and another {$300.00} of legal expenses on XX/XX/XXXX. These legal fees appeared on the borrower 's mortgage statement dated XX/XX/XXXX. 

Seterus is barred from charging these {$640.00} of legal fees to the borrower. Under the XXXX Servicing Guide, Section XXXX, " [ t ] he servicer must include the applicable attorney fee as part of the amount required to reinstate the mortgage loan '' and " [ a ] ll out-of-pocket costs that the law firm incurred prior to the cessation of foreclosure proceedings must be collected from the borrower as a condition of the reinstatement or workout agreement. '' If the servicer fails to include these fees and costs as part of the workout agreement, it may not charge these fees to the borrower. See XXXX Servicing Guide, Section XXXX ( providing that " [ i ] f the servicer fails to include as part of the amount required to reinstate or pay off the mortgage loan any legal fees and costs that were incurred in connection with the foreclosure proceedings, or is prohibited from charging the borrower for certain costs under applicable law, it must reinstate or pay off the loan without collection of such legal fees and costs from the borrower '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
AD XXXX is a collection agency for a payday loan company known as Speedy Cash. A loan was taken out through Speedy Cash back in 2008. They attempted to collect on my then bank account and funds were not available. The loan went as unpaid for years. Now, after XXXX years later, I attempted an online application with this same payday company. they had me contact AD XXXX, whom are still trying to collect on this debt. I never received collection letters nor is this debt listed on any of my credit reports. They refuse to drop the debt from their records and insist on keeping the debt open until I pay. Legally, all unpaid debts are to be dropped after they are XXXX XXXX XXXX or older. The rep on the phone was very rude and insistent that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Cash Express, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was unable to pay my payday loan with cash express in XXXX ky. Even after I tried to set up a payment with them, they have called every day. even had a collection agencency call. I was suppose to be able to set up a payment with them. Now cash express is saying I cant make payments. They was at my door this morning to collect.. Not sure if its illegal to harass people at there residents. But this is very over whelming. Please let me know what I need to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was contacted by a deceptive debt collector Weltman , Weinberg & Reis about a debt they had purchased from a XXXX. I disputed the debt and asked for validation but only received a summon and complaint of which I did answer. I never received a notice to appear in court, however I did receive a letter from the courts where a session was held on XXXX XXXX where the motion for their default judgement they were seeking were denied. This deceptive debt collector somehow got a default judgment on XXXX XXXX, XXXX without my knowledge. They went a step further and submitted to garnish my wages on from my employer without my knowledge. I immediately filed an objection to the garnishment and filed a motion to set aside the judgement because this debt collector has violated every rule put in place by the FDCPA. I have submitted a affidavit of fraud and a police report all of which they requested only to be sent a letter from Weltman , Weinberg & Reis stating that their client had completed it 's review and research and has found the account to be valid. I asked exactly when did the debt occur and was told by the attorney XXXX XXXX XXXX the debt was made on XXXX but when speaking with the CRA 's they have verified that the debt was made in XXXX, and the debt collector has only submitted statements dating back to XXXX of which I have found XXXX, XXXX XXXX XXXX has made several inquiries on my credit report. They have submitted statements to me that says this card had a {$5900.00} credit limit, but is stating that I owe {$8100.00}. It is clear that they bought this debt because the card had a balance over {$7000.00} with a 24.99 % APR and they have listed the minimum payment was only {$63.00}. I also received from Weltman, Weingberg & Reis a status report pursuant to service members civil relief act that states XXXX XXXX as of XXXX XXXX, XXXX. I have never been in the military and do not know why they would send me a copy of this. It is clear that they are trying to strong arm into owing this debt. They are taking over {$400.00} every two weeks from my pay for a debt that was disputed, and a debt that they have not provided proof of anything bearing my signature only statements that they are trying to pass off as an agreement. This has been done deliberately and intentional because after asking for a affidavit of fraud and a police report they still came back to say the debt is mine. This debt collector has not a shred of conscience, because what part of identity theft do they not get, and what more can a person do when a police report is filed and a fraud affidavit is given which is why the acts that they are doing is deliberate.

Company response to consumer: Closed with explanation