BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I recently opened a NetSpend Prepaid Debit Card account and would appreciate NetSpend credit my account with the {$20.00} referral bonus as part of the Refer-a-Friend program. 

I opened my NetSpend account on XXXX XXXX, 2015, received and activated the prepaid card on XXXX XXXX, and funded the account on XXXX XXXX. Soon after, I received an automated notice that my account is not eligible for the {$20.00} bonus on XXXX XXXX. 

Since then, I have attempted on multiple occasions to contact first-line customer service representatives, as well as the executive office, or " corporate response team '', but I have continued to encounter difficulty as NetSpend has refused to honor the referral bonus despite my meeting the Terms & Conditions of the program. 

The Terms of the referral program state : " A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. " As this is my first NetSpend account, my opening deposit was the first time my account was funded, clearly fulfillng the " no value load ... during the 180 calendar days before the load requirement is met ''. 

In the course of repeated communications with customer service and the " corporate response team '', specifically XXXX XXXX, I was told my opening deposit did not suffice as a value load, so I performed an additional load via mobile check deposit on XXXX XXXX that cleared into my account on XXXX XXXX. 

I would appreciate NetSpend honoring the Refer-a-Friend program in correcting this error and crediting my account with the referral bonus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: American Credit Acceptance, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The high balance amount on my auto loan has only been deducted by only {$1000.00} in the course of XXXX. My monthly payments are {$260.00} ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the XXXX of requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  XXXX / XXXX /  XXXX  , a payment was made in the amount of {$2300.00} which would have paid off the balance on  my PayPal Extras Master Card.      On  XXXX , I received a credit alert that my score had changed. I looked and realized the balance o  n my PayPal Extras Master Card still showed a balance and it showed it was late.
During that call with PayPal Extras Master Card, they told me the payment was cashed and applied to an account that was closed. He told me he would notate the account that no additional payment would be due and that it would take 5-15 days for them to move payment from the closed account to the open account.
I continue to get notifications that I have a balance and they clearly have not put a hold or other on my account, so I continue to send payment to prevent my credit score from falling.
A Case ID ( ticket number ) was provided to me by the asso  ciate during this call.      XXXX / XXXX /  XXXX   : I phoned to check the status of payment and they told me the account was not notated properly and that it would  take 5-15  days to reapply the cashed funds to the correct account.      XXXX / XXXX /  XXXX   : I phone d PayPal Extras MC again to check status and again, I was told the account was n't properly notated and that the clock would reset and it would take another 5-15 days to  apply the cashed payment to the proper account.     It feels highly inappropriate for a publicly traded company to post payment and stall applying those funds to an open account and continue to charge me interest and late fees for an account that would have been paid off. Their stall tactic benefits only them and it clearly a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a mortgage from U.S. Bank N.A in XXXX XXXX. I signed a Loan modification agreement with XXXX XXXX XXXX XXXX with the first date of lien on XXXX XXXX, XXXX and the modification of the mortgage effective XXXX XXXX, XXXX ; this document was signed by XXXX. I had to file for Chapter XXXX on XXXX/XXXX/XXXX with a release date on XXXX/XXXX/XXXX. My mortgage payments have been going to the servicer XXXX for U.S. Bank and I have asked to refinance or recast the balance. XXXX said they are not a bank and are not able to refinance the loan. I have written to U.S. Bank Corporate office to discuss the the aforementioned HAMP recast and other perks and have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a small business merchant banking account with Santander Bank several years ago. I decided to switch back to my original provider and closed the checking account associated with my Santander merchant processing account, but regretfully neglected to also close the merchant processing account. Without having the ability to perform the duties they were charging me for, and without notifying me that it was a dead account with nothing but fees, they continued to charge me up to {$83.00} per month directly through my primary checking account.

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 2022-10-18
Company: Duvera Billing Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX is reporting false information on my credit report. a debt collector is saying I owe {$8400.00} which is not true. I have never heard of this company and I have not received any documentation about the debt from this company. Please send an itemized statement of the balance and show proof that the debt is mine. I was not provided with any written paperwork with my name. Please provide a signed paper with my name on the amount that you say I owe. This has caused me a lot of damage because I have been denied for multiple things when the debt is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had fraudulent charges on my bank account. I have filed four claims that are being rejected because the employees are not filling out the claims right. I have been harassed up to four times per day including Sundays from the collections department after being promised by two managers to have the calls stopped. I have wasted over 5 hours calling and waiting for them to not help me and to tell me that I owe them {$100.00}. I am sick of waiting for help, They told me on XXXX/XXXX/2016 that it would be resolved in 90 days. We are at day 91 and I had to fill out ANOTHER claim today.

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 2017-01-13
Company: General Motors Financial Company, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I currently have an auto lone with the company GM Financial, and even though I am slightly behind, I make my payments and even after making a payment, I will receive in excess of 6 or more phone calls a day sometimes more from them. I receive calls as early as XXXX on some occasions, on Sundays, later at night sometimes. It 's relentless harassment and I 'm less than a month behind! They really crossed the line when I found out they have been calling my ex girlfriends fathers ' home line with which I never listed him or his phone number as a reference so how they got it, and why they are calling it leaving me messages there is beyond me. This relentless consumer harassment is uncalled for and needs to end. They call from many numbers, but the most common are XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Kinum, Inc., Indianapolis, IN Branch
State: AL
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:
In 2014 I secured the services of an attorney and provided a XXXX retainer, with no agreement, written or verbal which would authorize or permit the attorney, under any condition or extenuating circumstance, a blank check in which to exceed the retainer and bill for non-approved services. Upon discovery, on the day of XXXX XXXX, 2014, the arrangement for services were terminated with cause by the client. Shortly thereafter, the client received a bill from the attorney in the approximate amount of XXXX for non- approved charges which exceeded the retainer. The former client contacted the attorney, a discussion ensued and the client requested the refund of a portion of the retainer based on the reasons for the termination and further advised the attorney the non approved charges would not be paid. The attorney fully aware of the condition of the arrangement of services forwarded the account to a collection agency demanding payment for unearned, non-approved, billed services. To date, the former client is continually forced to tolerate the violating behavior of the collection agency in carelessly accessing his personal identifying information via skip tracing methods, harassing calls and voice mails, in their persistent attempt to collect full payment of an invalid, 2yr old account. An itemized bill provided by an attorney for unearned, unapproved services is not a contract and is therefore not enforceable. No legal agreements were signed by the client. The supporting documentation in possession by the client consists of privileged email communications between the former client and attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: High Point Asset Inc
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Relatives have gotten phone calls from High Point Asset Inc saying that I used them as references which I never did and they are going to be held liable for payments. True I did have payday loans in the past that have been paid in full but some of the names they said were used as references is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am currently leasing a vehicle through Nissan Motor Acceptance Corporation. They own the title. I moved from the state of XXXX to the state of XXXX, where I needed to have my title mailed from XXXX to the state of XXXX. For the past four weeks, I have not had any title mailed to the state of XXXX XXXX. The first request came in to XXXX on XXXX, again on XXXX and again on XXXX. However, no title has been sent to the XXXX as requested. I am now unable to send the XXXX plates back in the allotted 30 day window in which I am required by the state of XXXX. It is now XXXX and i am still unable to have the situation resolved - which is to have the title send over to XXXX XXXX so I can register the XXXX in the state of XXXX and then remove the XXXX plates and mail them back to XXXX as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Bridgecrest Acceptance Corporation
State: GA
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 contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted

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 2015-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've used Citizen 's Bank for many years. In XXXX of 2014, they started taking monthly fees across XXXX different accounts. In some cases, there were XXXX fees in each month within XXXX account! I 've called and met with regional branches ( XXXX, XXXX, XXXX XXXX ) and did get ANY explanation as to why these accounts were getting debited. As well, the branch manager that promised to resolve this quit. On the bank statement, there is no explanation as to the nature of these new charges on old accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I returned my car on XX/XX/2016 to a Nissan dealership. The early lease termination written quote was for {$1400.00}. I was also informed by their representative that I have a 10 day grace period. Given that I was unable to find a dealership that would take my car before the XX/XX/2016 I was forced to keep it for another 2 days. Up on my return I was informed that it would take about 3 days for the return to register in their system. On XXXX/XXXX/2016 I mailed them a check in the requested amount of {$1400.00}. Based on the document that Nissan provided me, that amount satisfies my obligation to them. XX/XX/XXXX I received a call from Nissan. They stated that I owe them an additional {$350.00} for XX/XX/XXXX, even though they also received a payment of {$360.00} that covers my possession of the vehicle till XX/XX/XXXX and I no longer had possession of the car after XX/XX/XXXX. Since my maturity date was on the XXXX of every month and I was forced to keep the car longer, I do n't feel that I should pay the sum of {$350.00} or any other fees for XX/XX/XXXX. Given that my lease payment is {$360.00} a month, the sum of {$350.00} makes no sense to me. After numerous attempts of speaking with Nissan no one was able to explain to me what the {$350.00} is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The XXXX came into the office on XXXX/XXXX/15 we called Santander the mortgage company talked to XXXX XXXX told her what was going on and they needed and wanted to keep the family home looking at the file I do see it works She email me the package to have filled out and sent back we started when they were here and over the next few days got the complete package in on XXXX/XXXX/15 she said the file is already assigned to XXXX XXXX on XXXX/XXXX/15 they got a sale date of XXXX/XXXX/15 posted on the house and on XXXX/XXXX/15 XXXX XXXX called and said there is now a sale date a not enough time to look at this file so the Investor said let it go to sale. 
I said that is 24 DAYS ( well sir we do n't know or ca n't control these investors. ) THE INVESTOR IS ALSO SANTANDER BANK N.A. on this file I did leave 3 messages for her supervisor XXXX XXXX she did call me back and leave message for me the 1st time I missed it but with no info or return again. 
This guy works XXXX here in XXXX 20 years XXXX kids home value is only XXXX what they owe rate 6.625 % 20 years been paying on this loan for 10 years unable to refinance becouse the value is only XXXX to XXXX today we have done the right things here just fallen behind and needs help been doing XXXX XXXX XXXX XXXX for 3 years to pay credit off did not file BK but could and will it come to that to save his home but has worked so hard not to do BK THEY JUST NEED HELP SAVING THERE HOME. 
PLEASE HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.

Company response to consumer: Closed with explanation