BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-23
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a car loan that was purchased from XXXX in XXXX on XX/XX/2012. The car was financed by not sure on the sale contract is states the Creditor and Seller is XXXX, LA XXXX. But I have been making payments to Santander Consumer USA and when i requested proof I have not receive anything stating the loan was to be paid to Santander. I asked Santander for a pay off the amount that i was given today would be the same as two years for this date but was told that the interest is accumulated. XXXX and Suntander Consumer is practicing deceptive misleading consumers. The Consumer 's rights to safety, to be informed, to choose and to be provided correct information when a purchase is made. This contract and what is being done is not providing the correct information and Suntander has provided services that on the paper states that the creditor is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The debt collection agency Santander Consumer USA purchased my debt from XXXX XXXX. When Santander acquired the account they changed the " last payment made date '' to when they got the account. They are not taking into account when the account first became delinquent. My vehicle was repossessed more than a year before XX/XX/XXXX and they still reported the " Last payment Made XX/XX/XXXX ''. The collection agent stated thats how they handle all their new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXXXXXX XXXX XXXX, texas XXXX To Whom it may Concern Regaurding a car loan ( acct # XXXX ) in the several year I have had this loan due to economy and work I contacted Santander serveral times and get this loan refinaniced or to low the payments. When this avenue was not going to avail anything On XXXX XXXX, 2015, I called Santander for a volintary reposession. 
At that phone call I was informed that call could be recorded which I had no problem with, and was told that to complete the volintary reposession they would HAVE TO MAKE A RECORDING, I informed them that I too would be recording the rest of phone call, I was promply hung up on. I also sent a written message to the ONLY ADDRESS I had which the bill paying address. 
When no atempt was made to pick up car I called Santander in the beginning of XXXX SEVERAL TIMES, and because of their failure to accept voluntary reposession and that extra fees would be applied. I told operators at Santanders that I would be recording calls to prove my request. Each time I was told I could not and hung up on, I even tried several times to speack with someone about the policy that they record calls and that their policy to even get a voluntary reposession IT WAS REQUIRED THAT A RECORDING of myself but that I could not record their calls. I was refused an explaination and was denied to speack with any supervisor. 
After several attempts to clearify this matter I report this UNFAIR policy, and pracitice I tryed to report unfair business practices to " Texas XXXX of XXXX XXXX XXXX ''. I was informed that Santander accknowledged that I did try to ask for voluntary reposession and that the policy of recording was not done so that they refused to accept request, and that Santander also recived the written notice to reposess car, but that it was sent to their contracted assosicates! These accknowledgements prove that they are violating law and that they consider their policies surpercede law. These accknowledgements also prove that they feel consumers have no rights and that fair policies for them supercede FAIR BUSINESS PRACTICES. The OCCC of Texas stated that they do not have jurisduction of unfair busieness practices and that I should report claim to federal trade commission and that OCCC can not deal with Santander 's company policy. 
They have harassed me everyday and several times a day concerning making a payment and added illegal fees since XXXX XXXX, 2015. Each time they call I inform them that AS THEY DO I am going to record the call and each time they refuse to continue and they terminate the call. Since they have violated Fair practice and have refused to accept reposession after they accknowledge notice, I want this harassment to end and for punitive damages that my account be cleared and they stop reporting any issues to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In 2018 I experienced XXXX issues and went on forbearance. LOANCARE is showing negative on my credit report and not showing it was covered in forbearance. I am currently up to date and I want the negative reporting removed from my credit. I am also XXXX and have hardship as well.

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 2022-10-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Equifax Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TransferWise Ltd
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I've done a few transactions via transferwise. Second transfer a few months back Wise unfairly held my money and put me through hoops to get it back. This included vigorous identity verifications, horrible customer support and long waiting times. Nothing has been solved yet and my money is still on hold from this mafia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had fraud issues with my loan including receiving letters from companies with incorrect loan balances, wrong contact phone number to contact them, wrong address to contact them, and servicer information listed on the national student loan data base listed as banks that are no longer in business. I have also been given addresses of closed banks as my servicer. I was even told that no one knows where my loans currently are held by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2015-08-03
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
American Express informed me of a {$1.00} transaction on my card by XXXX Advertising. The Amex rep said XXXX seemed to be testing the card to make certain it was good. Amex let me change my card #. My complaint concerns XXXX Ads. I never gave it my card info. Someone did. What right to they have to be checking my card balance? How did XXXX get the card number?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bluebird my American Express I dined at a restaurant after a company function. After I noticed there were XXXX charges on my account, XXXX for the restaurant and another XXXX. charge that I did not authorize. After XXXX days it was on hold and I contacted American Express. They stated it was a hotel and the policy was to hold it for XXXX days. I explained it was not at a hotel it was at a restaurant in the mall at XXXX place in XXXX. I contacted the restaurant and they stated it the charges cleared and the file charge is just a hold and should have fallen off. They gave me the authorization codes to give American Express to clear them. After talking on American express they refused to do anything about it stating the system is automated and there is no way to clear the charges. They refused to do anything to assist even after providing the authorization codes and even still after the hotel said they should not have a hold on the funds. They person on the phone continued on stating that even though I did not authorize the charge, because they have my credit card number, they are freely at will to process charges against my card with no authorization and the fraud department ca n't clear them because I did give them my card at some point. Neither the restaurant, nor American Express state they will A : Authorize charges without the consumers authorization, and B : Will hold excess funds for XXXX for dining at a restaurant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Was diagnosed with XXXX during the 4th year of XXXX school. Had to get treatment. Could not repay loan during this time. No assistance was offered from the lender regarding interest rate reduction or deferment. The lender only offered to charge interest-only ( $ XXXX/month ) for a year. Interest accrued at a high rate, effectively doubling the total cost of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: National Principal Group, LLC
State: RI
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received anything in writing. They just started telephoning me and my family over the last 2 days. 
they contacted my sister in Minnesota to try to track me downthey contacted my mother at home to try to track me downthe calls I rec 'd was a recorded message from a loud woman screaming that This is an attempt to locate the whearabouts of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently contacted Carrington Morgage Services Located at XXXX. XXXX XXXX XXXX, AZ XXXX and they are refusing to remove my PMI insurance from my account. Our Property appriasals from the XXXX XXXX show our home has increased dramtically in value to {$140000.00}. Our loan amount at this time with Carrington Mortgage is {$100000.00}. Loan to Value is enough for us to have this removed. I have already faxed them a formal request to remove this and they are refusing. They refuse to ackknowledge that my home is worth what XXXX XXXX is showing. I even faxed them proof of appriasal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned t o an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoev er noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2015, my mortgage loan was purchased from XXXX by Carrington XXXX XXXX In trying to setup auto payments the direction that I was given that I could fax over my bank account information for them to withdraw the funds was incorrect. After several calls I was later told the only way to setup auto withdrew is through the mail. Thereafter my payment increase despite being on a fixed loan. I switched insurance companies and for them to reduce my payment they stated I had to call back to ask for the analysis. So for my payment to increase no action has to be taken on my part but when there is a reduction when you have lower insurance you have to request an analysis. Unfair to the consumer. In addition, On XXXX XXXX, 2015 I called to ensure my extra payments were applied correctly to my escrow and it was not despite what the customer rep. stated who took my call. Every time I contact Carrington Mortgage I get a different response from a representative. They are pleasant but extremely inconsistent and extremely unfair to the consumer. I will be refinancing to run away from this company.

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 2017-01-13
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

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 2016-08-12
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Payoff process

Complaint:
I recently closed my Citi Preferred " Thank you '' card because of an issue with a payoff. Once the card was paid off I received an interest charge of less than {$40.00} which I was unaware was added. I did not receive notice of this charge and was unaware until I received a call two months later. During this time I have received thtree late fees and my credit report has been affected negatively. 

My complaint is that these late charges were more than the balance due and were placed only on interest fees added an no principal.

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 monetary relief
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I called CITI CARD, and told them I was being shamed by a company called Ignite solution # XXXX, AL. they said XXXX, was being down loaded from my IP address, and possibly other crime .I realized the lie while I gave my card imformation, the rep.from citi XXXX card, said no charges called in XXXX/XXXX/16. I called again on XXXX/XXXX/16 XXXX called back PM that day charges submitted, when I confronted citi card, they said they would investigate/ send to disput department.I have followed there procedure, provided everything asked from me.I haved called XXXX/XXXX/16, was told I have to pay {$400.00} plus interest, i was told I gave card info. I believe they where negligent, by paying this company after I made all them aware of my troubles.I asked them to give me new card # that first call, not nessisary i was told .I was told on XXXX/XXXX/16 they can not do anything about charges, due to me giving card information.

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 2016-11-25
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had opened a Citigold bank account in XXXX 2016 using a promotion that would give me XXXX XXXX XXXX miles once I 've made 2 bill payments and {$1000.00} in purchases on my debit card. I had confirmed my eligibility of the offer with Citi bank representative while opening the account on the phone. 
I completed the requirements in XXXX but the points did not post. I submitted a secure message in XXXX 2016 and I was told that now I was not eligible for the offer. I had escalated the request in XXXX but still the same response.

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 2020-04-17
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a XXXX XXXX military personnel and I am unable to stay on top of my student loans due to protecting my country. I did not know I had a student loan until my credit score reflected such information. I have tried to tell the company to lower my payments because they had it set to my mothers financial assets. I do not make that much money and they have refused to update my account after I have submitted my application of deferment. I have called for help in the service member act to remove all interest accrued while I have been in training since XXXX of 2019 and they have still added the interest from XXXX to now XXXX. While waiting for the acceptance of my application and knowledge of the amount I am to pay to remain current they have still added interest and reported negligence in paying the account. I do not know what I am to pay nor do I know who to pay. I have called on my student loan to have the account current and still its late. As a military personnel I am unable to always call as to why my I have submitted deferrement. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind. I am not attempting to get out of paying my loans but they have to be tangible to be paid on the amount I currently make as well as supporting my wife and kids.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation