BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My business Merchant account is setup without my intention and fee is charged in ACH withdrawal every month from my business account. I have never / am not using any equipment or services from this account from Santandard bank and XXXX XXXX XXXX. 
Sales Rep XXXX XXXX XXXX from Santandard bank located at XXXX XXXX XXXX NJ tried to sell me Merchant Services for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2016 and I did not agree until I get it on paper and send me so I can review the agreement. She filled up all agreement documents and signed my name on documents and sent me all final documents. I never signed or authorized any person on my behalf to sign those papers. Even my name is incorrect and my signatures are incorrect on all agreement documents which can be verified. 
In last 6 months I have tried several times to reach Santadard bank representative to discuss matter but she never picked up my phone. I contacted XXXX XXXX XXXX to resolve this issue but never got any reply from them. 
I would like to have a lawful action on XXXX XXXX XX/XX/XXXX to do forgery and damages to my business. 
There are XXXX documents to be attached with this complaint.

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 2016-07-20
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Instrument Rental : KINUM XXXX Kinum was the Instrument rental company that my Son 's school ( XXXX XXXX XXXX in XXXX Texas ) used. 
XXXX of 2013 the Instrument was returned to Kinum. My Son passed away XXXX XXXX 2013. These villains are still showing this as a collection account on my credit report. I am not in possession of the receipt or the musical instrument. Kinum took the instrument as well as the receipt when I brought the instrument back to XXXX XXXX XXXX in person. They told me they needed the receipt to conduct inventory and that they would mail the original receipt to me. Something they obviously never did as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX on XX/XX/XXXX. After paying over {$2000.00} out of pocket for the different XXXX supplies, etc., I received a bill from the hospital for $ XXXX. I contact XXXX about the bill and found that XXXX denied the claim for 'lack of medical records ' on XX/XX/XXXX. An 'EOB ' was generated on XX/XX/XXXX. The same claim was adjusted for payment on XX/XX/XXXX. Another EOB was generated on XX/XX/XXXX. The same claim was adjusted on XX/XX/XXXX, but there was no change in payment, so no EOB was issued. The claim was again adjusted on XX/XX/XXXX, but again no change in payment so no EOB. The claim was adjusted again on XX/XX/XXXX which reduced the payment XXXX paid from {$2700.00} to {$1900.00}. Even though there was a change in payment, NO EOB was generated. This entire time, XXXX kept advising me to pay my copay of {$45.00}, which I promptly did. XXXX specifically told me not to pay the hospital any other amount. Because of this nightmare, the hospital sent my bill to a collections agency. Not once did XXXX contact me to advise of their mistakes when processing the claim. I only found out about this when I began receiving calls, up to XXXX times a day, from the collection agency. The hospital was tired of waiting for my insurance to straighten out their errors, so they sent the original bill from XX/XX/XXXX to collections. Now, my credit rating has been effected and I am constantly receiving calls and letters for a claim that has been adjusted numerous times. I do n't even know where to start. I have begun the process of filing executive complaints against the insurance company and the hospital for failing to process the adjusted claims. I have also submitted a verification of debt and request for all correspondence in writing letter to the collections agency. I have also initiated complaints through the Consumer Financial Protection Bureau, the Florida State Attorney General, and the local XXXX. This company is ripping off consumers and hoping that people get fed up with the complicated processes and just give up and pay an incorrect bill. Disgusting. I want XXXX to admit their error, contact the hospital to pull back the debt from the collections agency and correct the claim at the hospital so that I can receive a correct bill for my surgery, performed over a year ago, pay the bill and be done with this nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
About 5 months ago we opened a car loan through a dealership.. Then ran my credit about XXXX to XXXX times that day to try to get us approved. GM picked it up at a I want to say at 17 % interest.. The dealership also marked up the car. Bottom line is we were ripped off by both the dealership and GM

Company response to consumer: Closed
Consumer complaint received 2017-02-09
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have received repeated calls from " TransWorld Systems at XXXX and XXXX regarding a debt owed to a local public college. 

Every time, I inform the person calling that they are contacting me on my cell phone at an inappropriate time. I have asked every time for them to cease and desist calling me, and to send me correspondence via the mail confirming who they are, information about the debt, etc. 

They outright refuse to do so and continue to call me - and speak rudely and unprofessionally over the phone. Even after I explain that I have instructed them multiple times to stop communicating with me over the phone and send me correspondence to my address, they continue to try to ask questions over the phone. 

This company, TransWorld Systems, should be fined and ordered to end these practices immediately. 

Companies that harass consumers and use unfair or illegal practices to collect a debt should be forced to compensate the aggrieved consumer in the amount of the debt they are attempting to collect as a penalty and deterrent against this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare LLC became my new mortgage servicer on XX/XX/2016. XXXX was my old servicer. XXXX said my new mortgage payment would be {$400.00} beginning XX/XX/2016. Loancare billed me for {$480.00} for XX/XX/XXXX and continues to do so. 

I submitted documentation from XXXX and asked XXXX to do so as well. Loancare says they never got the documents, says I am behind, and at risk of foreclosure.

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 2017-02-28
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Both parents passed ( Dad XXXX XXXX and Mom XXXX XXXX ) they had a loan with Reverse Mortgage Solutions. I first tried to get a personal line of credit against my home to pay-off my parents debt, and was not able to get enough money, therefore I put their house up for sale. I contacted RMS by fax ( they told me that was the only way I was to relay information ). I gave them the XXXX number and asked for any extension because they said they would foreclose and take the home. My parents owed $ XXXX, and the house sold for $ XXXX in XXXX XXXX. The Title company contacted them after I faxed my permission, and let them know their was a buyer and an offer. Then the RMS XXXX sent out XXXX letters addressed to each parent, and the Estate telling us they filed foreclosure paperwork. Once the house was in Escrow the RMS send paperwork to the Title company letting them know they were going to charge the estate : Release fee : {$58.00} ; Corporate Advance : {$600.00} ; Monthly Service Charge : {$33.00} ; Outstanding Fees and Costs for Foreclosure : {$1800.00} ( filed on XXXX XXXX ). The house closed on XXXX XXXX, and RMS was unwilling to wait 2 weeks. 
I would like RMS to pay back all fees except release fee ( {$58.00} ) and monthly service fee ( {$33.00} ). 
I was bullied and given so much XXXX to my life while dealing with the loss of both parents ( 6 months apart from each other ) - they were married for 65 years. 
I tried so many times calling, emailing and faxing to talk with someone to understand the loan and explain my situation on getting the house sold. 
My name is XXXX XXXX, Daughter and Trustee to the XXXX estate. My work number is XXXX ext XXXX ; cell number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: High Point Asset Inc
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was contacted by High Point Asset, Inc on XXXX/XXXX/2015. They informed me that I had XXXX outstanding pay day loans which I would have to pay.They emailed me XXXX notices stating who the original creditors were and who the current creditor is with dates listed for when the loans were filed and the balance of each of them. I searched today for the contact information of these original creditors, in doing so I found that other cosumers have been contacted by High Point Asset, Inc stating that they owed money for payday loans that were also not listed on their credit reports. I decided to contact the Federal Trade Commission. 

After consulting with a representative at the Federal Trade Commission, I checked my credit report and found that no pay day loans were listed under my name and information. These loans do not exist and High Point Asset, Inc is trying to have me pay them for something that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Brock & Scott, PLLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: General Motors Financial Company, Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan through GM ( Americredit ) I purchased the vehicle in XXXX for XXXX. After taxes and all the loan totaled XXXX. The payments are XXXX a month. Well in XXXX XXXX I was in a car accident and unable to work, Gm calls my house daily XXXX or XXXX times a day and I have explained my situation that I am injured and do n't want to talk about the same thing daily. When I purchased the loan I told them I only wanted a payment below XXXX. I was told that it would refinance in a year. They keep saying that they are going to work with me, but they have n't and I refuse to pay all that interest on a truck. loan started out at XXXX now I still owe XXXX after XXXX worth of payments. In XXXX XXXX, GM started calling my husband he was XXXX over the road, he kept telling them he could n't talk he would get back with them after he parked, they call him back to back everyday. It is illegal to call a person on their job so many times especially when you speaking with the person that tells you they will call you back. They put a repossession man on the truck and he logged into my facebook account and pretended to be my godson that is stationed oversees to get my address when they already have my address. Then he called my home and told me he was there to pick up the truck which he must not have been cause at the time I was out of town with my husband. He should have never called me that is total harassment .Then they called my sister, father in Kentucky and told them that I was behind on my truck payments which is scandal cause you talked to my husband several times, and also me I explained if I am home I will get the phone or call back so you did n't need to call anybody, then you called my friends XXXX XXXX and XXXX XXXX XXXX and told them the same thing.This is very illegal.When I asked them about refinaceing the vehicle they told me they do n't refinance, if you are a legal bank how do you not refinance when you told me that you would refinance the truck in a year, the only reason I signed the documents was cause I was gon na get a lower payment the following year which never happened! I want the interest taken off and the balance forward, cause the interest is not doing anything for me and I refuse to pay all that uneccessary interest when the truck is not worth it and nobody will refinance me cause the loan is upside down. I actually have a loan that is considered predatory lending which is illegal and I want something done about it. I am tired of the run a round from GM ( AMERICREDIT ). I also want pain and suffering from the harassing phone calls from GM and the Repo man and I want my husband compensated for the harassment on his job, rule clearly states not to call at a place of employment, GM kepy calling even after they were told not to call him at work. I also want compensated for telling my business to my family and friends. Thanks for your time and attention in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01
Company: General Motors Financial Company, Inc.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. 
Please help in making these calls stop. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2013 my sister I were shopping for vehicles and a dealer at Nissan incorrectly put my name on her car loan. I purchased my vehicle the next day from a different dealership. I checked my credit report serveral months later and saw the mistake. Nissan refused to change the paperwork and my credit and dti suffered tremendously from this error. I have disputed this account serveral times and only one of the credit bureaus removed it from my report. All payments made to the account were made by my sister from her bank account and not mine. I believe this was an illegal straw purchase made by the dealer on behalf of dealership to make a sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons. 
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt. 
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can. 
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}. 
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out. 

XXXX XXXX Ph : XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation