BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a copy of my credit report and there were XXXX accounts reporting with Santander. The information reporting was not complete nor did it look accurate. It was disputed with the bureau and the information was not complete so I sent a request directly to Santander requesting validation of the debts and what they send was unacceptable. It does not validate the information. It is only a letter on their letter head stating what they are reporting is accurate. NO documents that I requested were included such as instrument showing my signature, correspondence etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Synovus Bank
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Upon asking navient if there was anything to do to lower my monthly payment they suggested defaulting on the loan. I said no to default I do n't want to hurt my credit. They suggested forbearance which I also did not want to do. I asked for an income sensitive plan. They said they did not offer anything like that. They adjusted the plan so I am just paying interest but nothing substantial to the principal. Even that amount is more than what I can pay. I heard about the class action lawsuit against them for people who had the same thing happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent Navient special instructions ( through their website email service ) on how I want my payments applied to my student loans. The response I got not only did n't confirm the usage of the instructions I provided but also told me the only way to have those instructions applied is to send in a check with instructions every month. Does Navient have to apply my special instructions regardless of the fact that they were communicated via email? And why do I need to recommunicate them every month -- and why is it somehow not applicable to my autodebited payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a XXXX account that was paid. Upon initial service they installed a defective channel box that was not compatible with my broadband internet service. About a week later the technician came out and replaced the defective box with a new one and he took the defective box with him. A couple days later I received a XXXX box with a shipping label. I called them and they told me to send the channel box back to them and I told them I was a new customer. They then billed me for the defective box. I made many attempts to settle the situation with no success. I notified them that they were in default of contract and I terminated service and then sent the remaining channel box and all equipment back to them. I have all the documentation to verify my statements are true and correct. You may reach me at XXXX direct or XXXX office or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't know what transworld inc debt is from. 
I would like more information due to the continued increase in interest on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Pollack & Rosen, P.A.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX private student loans that were sold to collection agency and I was paying thinking I was paying on both - then a received a letter from an attorney 's office wanting to collect. I called the agency that I was paying and they said I am only paying XXXX loan and the other loan was taken from their office and there is nothing they can do about it. 
What can I do - I tried calling the attorney 's office who is collecting on the loan but they never answer or call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CURO Intermediate Holdings
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:
I have been receiving collection letters from a collection agency called " XXXX XXXX '' for a debt that I have not availed ( from Speedy Cash ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both XXXX XXXX and Speedy Cash as to the origins of these collection letters.

Company response to consumer: Closed
Consumer complaint received 2016-05-23
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
To induce providing my physical address, AMEX suspended my unsecured credit card account to " comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere, and my mailing address would not change. 

After an Order of Protection on my ex-husband, and a career reducing hacker crime on financial systems - not publishing my physical location for database auto-replication is basic self-protection. 

XXXX USPS forwarding protection breaches required multiple moves, as my physical address would " magically '' get updated across multiple non-USPS databases. I was thankful to find my rights to not register my physical address with the USPS. 

Now, 1 week after yielding my physical address to AMEX, I 'm getting snail mail from the XXXX XXXX XXXX ( to whom I 've never given my physical address ), and XXXX XXXX XXXX XXXX ads with invalid callback phone numbers for someone who has never lived at my address ( probably by a cyber-criminal working to undercut me with identity theft ). 

I appreciate AMEX will say that AMEX " had to have it, because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But, I am recording my concern with the CFPB to understand the tightly-wound ( and hopefully unintentioned ) results of empowering credit card companies to do things like suspend credit access to force location information into government financial programs via data-sharing. 

No one is going to be left to protect others digitally, if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I responded to American Express Delta card invitation and I meet there requirement but they refuse to award me the promotional which XXXX XXXX miles and {$50.00} credit to my account when I spent {$2000.00} in the first XXXX months and buying a air line ticket on Delta XXXX lines. 
I spoke with CS several times and proise me soon will be corrected but nothing done I talked with XXXX a supervise and said will take a month to be corrected I waited a 45 days I called again and she dined that she was going to work on and fixed and said you revived this promotion before and nothing she can do. 
I had American Express Delta before but I lost it and closed the account seral month later they send me several invasions again so I applied and meet all requrement but now thy saying no. 
My question is why thy send me invitations when they no I am not qualified why they did not reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have explicitly ask them ( RS Clark & Associates ) several times not to call my number and they continue to call after about a week hiatus. The last three times were XXXX/XXXX/16 at XXXX ; XXXX/XXXX/16, XXXX/XXXX/16. They continue to say they will but turn around and continue to harass my number with their calls. They have called before now and I have asked them not to call my number. They try to verify who I am although I refuse to give them any information as to who number they are calling. I do not know who they are and the fact they continue to harass calling my number every week or so is beyond relentless and tiresome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a home owners warranty in XXXX 2015 when I bought my home. I had a plumbing issue, a plumber from the warranty company came out and the man was so rude to my wife and inappropriate and kept telling her why he could not fix the problem my wife asked him to leave the home. he slammed the storm door in her face. She called the warranty company as well as the plumbing company and complained. We hired our own plumber to come in and repair the issue ( bill attached ) which we paid. XXXX XXXX still sent me a bill for the plumber they sent who was asked to leave. Every time they sent the bill I sent it back with an explanation. Now it has been referred to a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am aware of what this credit card debt is and it is well over 7 years old, which is well over the statute of limitations for debt collectors to collect this debt. It 's so old it should no longer be reported on my credit report which is causing me financial harm and XXXX in trying to get a home mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled in dispute resolution and I have copy of signed settlement agreement and both the cleared personal checks that were used to pay full settlement agreement amount and the lawsuit was dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt collectors suing me for credit card accounr past stature of limitations. I had the account in XXXX but I moved to XXXX and thats where i 'm being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid, negotiated to be removed from the credit report. It continues to show on the XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was OFF of my XXXX report!!!!! It NEEDS TO STAY OFF!!!!! I just looked at it, and it 's back on there!!!! I 've never had this credit card in my XXXX life, and it 's under my maiden name!!!! It was for {$7.00}, then increased to {$770.00}!!!! These people DO NOT LISTEN!!!!!!!! I have tried communicating with them in the past!!!!! Unacceptable!!!!! I AM NOT paying for this!!!! I did n't do it!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Transworld Systems Inc claim they are the record keepers for XXXX but per XXXX state law, they are a trust not a lender like XXXX XXXX XXXX claim. In order for any servicer or collection agency to collect on this, they will need to show the dates of delinquency, how much is owed, when the loan was sold, proof that XXXX still owns the loan because is a known fact that XXXX sells debts into investment vehicles which means the loan could be anywhere. XXXX must have all of the correct documentation before anyone could collect on it per XXXX law. This is showing as 180 days past due but I have never received actual where my loan is, a promissory note is not enough information since debts are bought and sold all of the time. I spoke with a consumer rights attorney XXXX and they XXXX say the same thing, that the servicer and the collection agency must have proof they are suppose to collect on the loans. XXXX is a XXXX trust, not a lender or guarantor. I was also notified that XXXX used XXXX XXXX to finance which means they are not a lender because they are not a bank or credit union. It is illegal to collect on this debt without the proper documentation. I want the loans completely removed from my credit report because what XXXX must have possession of the loan to collect on it which is hard to prove since they sell loans as investment vehicles to shareholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Citicards has been attempting to submit an unauthorized electronic payment out of my checking account two times in the past two weeks This has overdrawn my checking account both times. I called once again today to get the matter straighten out and I was told they were not able to stop the payment and a third unauthorized attempt is going to be made which will once again overdraw my 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 2016-10-06
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a signature loan with " Citi Financial '' in XXXX. I had trouble paying back this debt when the economy was in a down spiral. CitiFinancial after so long of not being able to pay had retained an attorney XXXX XXXX XXXX in XXXX Georgia. Afterwards XXXX XXXX XXXX attorney at law had drained my bank account to the negative of checking and savings tour around negative {$23000.00}. This was on a loan that was paid down to. {$8700.00}. Not only that XXXX my tax returns were confiscated 4 for over {$3500.00} each for two years. I paid payments to XXXX XXXX XXXX for the remaining balance. I got a check returned to me that at the bottom said " refund on closed account ( no hold ) ''. I was no longer contacted by anyone else on this matter because the debt was paid in full. Now it is XXXX of XXXX and on my credit it shows that I owe {$11000.00}. The debt was never wiped clean off my credit and I still have a judgement against me after debt was paid.

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 2016-10-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Well i checked my credit score and noticed anew XXXX from citicard cbna we have no idea what this is we have not opened any acounts with citicards cbna, please help

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 non-monetary relief
Consumer complaint received 2016-02-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My bank account was seized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted XXXX XXXX those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and XXXX has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.

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 2015-10-01
Company: CITIBANK, N.A.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a conventional mortgage with Citibank to purchase a secondary residence costing XXXX XXXX I had liquid assets of XXXX that amount credit scores of XXXX a D/I of less than 20 % and current annual income of close to XXXX. My job was going away within 60 days with a written document payout of XXXX my annual base and 3 years deferred comp totaling XXXX the cost of the home and I was declined because I could not show I yet had a new job. I 'm starting my own business. I was told to pay cash I am also an XXXX male

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been experiencing financial problems and have been paying on my Macy 's credit card. Although it 's not the complete payment, it 's something. I have explained to the agency what I can pay and when and their repeated calls are really annoying. The calls have been going on for quite some time but I 've started to count the calls and between XXXX - XXXX I 've received XXXX calls as I 'm writing this letter. the numbers they use are XXXX or XXXX. 

What rights to I have as a consumer?

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