BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home in XXXX XXXX in XXXX XXXX. In XXXX I asked that my mortgage company escrow my real estate taxes. My monthly payment was {$3300.00}. At the end of XXXX XXXX, I received a call saying my mortgage account was past due. I have my bank automatically pay the amount due every month. Apparently the escrow amount went up and caused my monthly payment to increase. I asked what the issue was and I was told that taxes had increased. I knew this to be untrue. Then they told me that before taxes were only paid once a year and now they taxed me twice a year. This was also untrue because LA always charged taxes twice per year. After 45 minutes on the phone, I learned that the escrow calculation was grossly inaccurate and now I 'm paying double for the next year - almost {$1000.00} more per month. This company 's procedures are inadequate, cause economic hardship to consumers, and the company 's customer support and inadequately trained and deceptive to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: ASSOCIATED BANC-CORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I discovered two-three weeks ago that Associated Bank was assessing overdraft fees for debit card transactions on my business account. It was my understanding and experience that if funds were not available, I would receive an " insufficient funds '' notification at the time of the transaction rather than have Associated Bank treat the transaction as a chequing account overdraft. 

When I opened the accounts, I spent approximately one hour and one-half hour meeting with the banker. At no time was I informed that overdraft fees would be charged to my debit card transactions if funds were insufficient. After I discovered this issue, I contacted Associated Bank and was told that there was an " opt-out '' for such transactions. This option was never discussed with me at the time I opened the account as I would have opted out. 
After reaching out to the bank and asking for a resolution - i.e., the restoration of the overdraft fees for the last 30 days, I informed them that if we were unable to resolve it I would be moving my accounts. This morning I received notice from Associated Bank that it would refund me a small portion of the overdraft fees. However, Associated Bank canceled by debit cards and closed my bank account. When I went to the bank to determine why my cards had been canceled and the accounts closed, I was met by several bankers at the teller window who simply stated " Your accounts are closed. '' I did not ask to close my accounts and instead told a Associated Bank representative that I would be meeting with my accountant on Tuesday XX/XX/XXXX to discuss the accounts, ensure that I had retrieved my bank data, speak with an attorney, and move the accounts. 
Associated Bank was sued for the same practices in federal court in XX/XX/XXXX ( Civil File No. XXXX ( XXXX. Fla ). In XX/XX/XXXX, a settlement agreement was reached wherein the Associated Bank agreed that it had an affirmative duty to inform its customers of debit card charges and to provide them with the opportunity to opt-out. 
The same practices continue to be applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09
Company: Nationwide Intermediary Services llc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received a call from a XXXX XXXX working for Nationwide Itermediary Services LLC who stating his firm has been retained for a pending lawsuit against me regarding a debt. He then called my Mother stating that he had spoken to me and that I told him to call her to " save my hide ''. If she paid via credit card today, they would cut the debt, but if I called, I would owe the entire amount. I then called him and requested a validation of debt via mail. He said it takes too long and he would be on his way to the court house in 30 minutes if we did n't resolve immediately. He stated he is a XXXX and I would have criminal charges against me for check fraud and suspend my drivers license. I told him I was working with XXXX XXXX XXXX and he said not to deal with them, they are a scam. He then sent me an e-mail with information regarding the debt and gave me 30 min to call back. I back tracked the debt and contacted XXXX XXXX XXXX who now owns the debt, but outsourced it to another party, which turned out to be Nationwide Intermeidiary services. She stated nobody was going to a court house and stated to call them back and request a manager to send me the validation via mail that I was entitled to. I called the number she gave and the person who answered the phone answered " XXXX ''. I said Who?? and she back tracked it realizing she should n't have said that. She immediately transferred me, but I hung up and contacted XXXX XXXX XXXX again and explained what happened. They were not pleased this happened and called Nationwide to figure out what was going on. She then apologized and asked me to call back and a manger was waiting for my call. I called back and XXXX XXXX immediately answered flustered. He said he did not know what happened when the other person answered the phone, but they should n't have said that. He said the lawyers are now on the floor and that person is packing their bags. He said he would cut some more money off the debt for my trouble told him I was livid and I wanted validation of debt via mail. He stated if I did that, then I would owe the whole amount and would just hang up, which he did. I re-contacted XXXX ( who was very helpful ) and they started an investigation. They told me not to talk to that company anymore and they would pull it back to handle the debt. She then stated she would send me out the validation of debt. XXXX XXXX attempted to call one more time, but I did not answer. I spoke to my Mother again and stated he had called her asking to pay the debt again, but she told him he was a fraud and hung up. He shared debt information with my Mother including who I owed and the amount. He tried to solicit money off of her, which she almost did out of fear. My stomach has been in knots all day at work trying to deal with these people and their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Mid-Michigan Collection Bureau
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They placed a collection on my credit report of XXXX office copay. 
My ex wife paid the copay when she got the bill. 
My ex wife took my daughter to hospital. 
I had no idea about the copay. BUT they placed a delinquency on my credit report without verifying the debt. They placed a XXXX collection. My wife paid it directly to the hospital after she got the bill. 
But they are harassing me the collection company and refused to remove the collection from credit report XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Colombia Recovery Group of XXXX, WA on Tuesday, XXXX XXXX at XXXX about a debt that I do owe but am unable to pay. I explained to the man who called that I had just lost my employment security funds for going to school, which meant my spouse and I are now out {$1500.00} a month. His response to this was to threaten wage garnishment, stating that it was " his next legal option ''. I searched the Washington State page for people with judgements against them, and neither my wife or myself have any judgements against us from anyone at all. It is my feeling that Colombia Recovery Group threatened me with legal action to illicit a payment by fear of being sued when they have no such suit against us. This account when to collections in XXXX and I 've only received XXXX letter/bill and XXXX phone calls, and their next step is making threats, which is grossly inappropriate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint is against Ford Credit of XXXX XXXX XXXX in XXXX, XXXX. In XXXX 2012 I purchased a car from the XXXX XXXX in XXXX, XXXX. Only a month later I lost a job I had at XXXX for 22 years. I tried working through the XXXX Car dealership where I bought the Audi TT. I took the car to numerous other dealerships in the XXXX area. Nothing worked and my job was terminated by XX/XX/2012. I contacted Ford Credit and turned the Audi in to the dealership where I purchased it. Ford eventually sold the car at an auction and sent me a letter expecting me to pay the amount of difference between the amount I bought the car for and what it sold for at an auction, $ XXXX-XXXX. Since this time Ford and their surrogate debt collector agency, XXXX XXXX of XXXX have hounded me by letter, phone calls and law enforcement visits for four years. I feel that Ford Credit and XXXX XXXX XXXX have treated me unfairly. They have involved my elderly parents in their harassment. My mother is very sick with XXXX. I do not think that I should pay for a car I kept for only weeks, especially when Ford and the dealership were unwilling to help me return/sell the car. I retired after losing my job and have been honest with my creditors. I am filing a complaint as Ford Credit and XXXX XXXX continue to pursue me, harassing me some four years after the car left my possession. Please forward my complaint to Ford Credit and make it available for other consumers to read.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have contacted TD Auto finance to receive the title for my XXXX XXXXXXXX XXXX XXXX. I paid a fee to receive my title. I was told it was sent in the mail. I never received my title. Instead the company sent a Lien release termination statement. I took the document to the Department of Motor vehicles in Florida. They do not accept this as a title. 

I called the same company and was on hold and sent through a continual loop of returning to the main menu. When I finally spoke to someone the employee told me to hang up and keep trying the number again. She then put me on hold and after 30 minutes to call was disconnected. I still do not have a title for my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: SYNCHRONY FINANCIAL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am a short-term XXXX during XX/XX/2012, I have been in the store of Banana Republic at XXXX to buy goods in the second half of XX/XX/2012, I was paid the bills by XXXX XXXX XXXX credit card, The clerk advised to apply for a discount card, This will be more cheaper, But I do n't know this is a credit card, but also use this card to pay the part of the clothes of the bill. I have come back to XXXX for nearly three years. I rented a house in XXXX, followed by a XXXX rental. Unexpected, We met at an XXXX in XXXX, He told me, A letter of credit card payment was often sent to this address. I do n't know how to solve this matter now. 
I would like to declare the following : ( 1 ) I do n't have subjective intent owe the bank money, ( 2 ) I love America, I had the best time of my life in America, ( 3 ) I did n't know it was a credit card, I thought it was a discount card ( 4 ) I 've never used this card except to pay for the clothes in the store ( Because I paied with XXXX XXXX XXXX credit Card, I did not know that I might use Banana Republic credit card pay the part of the bills ), ( 5 ) I want to repay the balance of the clothes shop, But I ca n't afford an expensive default. 
( 6 ) I do n't have this credit card, and I do n't know the number of the card ( 7 ) After know this matter, I contacted with Banana Republic, they tell me to connect with the bank, but i do not know XXXX, and i do not know the card number. 
( 8 ) please help me, I do n't want to be a debtor. 
please Contact with me Email : XXXXXXXXXXXX and my passport number XXXX and SSN : XXXX

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 2016-03-22
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted this collection agency after viewing a collections account I was unaware of on my credit report. I explained the situation and stated that I was not interested in negotiating but rather would pay in full, pending receipt of notice that the account would be deleted from my credit report. The agency told me that the apartment complex who sold them the debt would have to remove it from my report. After speaking to the apartment complex and credit bureaus and finding this information to be incorrect, I called the collection agency back and explained the situation. I asked the agent to mail me the afformentioned letter, but he was pushing to have the account paid TODAY, which I understand as sales person is a common sales tactic, and likely the only way he will personally yield a commission from my payment. I explained to him that I was the one contacting them and I was interested in paying once I received the letter, regardless of whether it was hand delivered today or I got it next week ... He IMMEDIATELY raised his voice, started talking over me, became very unprofessional in his tone and demeanor and began threatening to take legal action against for for " attempting to barter ... '' Which from what I understand is not only not illegal, but I 'm also not bartering as I legitimately NEVER received a bill for this unknown debt ( charges for an old apartment following a move out ) and only know of it from accessing my credit report. Again, I CALLED, with FULL WILLINGNESS to PAY IN FULL, and was countered with abusive language and lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.

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 2016-01-02
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Funding LLC by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander USA calls me every day and on at 3 occasions they did not leave a message. On XX/XX/2016 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent on XX/XX/2016 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back XX/XX/XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move one payment to the end of the loan but I was told I would have to wait until I made 6 payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make 1 payment on XX/XX/2016 but I need 1 or 2 payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a XXXX Dodge Ram XXXX at a used car dealership in XXXX VA in XXXX. The Initial loan was for XXXX dollars and financed through XXXX XXXX auto. I was young at the time and accepted the high Interest rate due to High pressure sales tactics used by the dealership. I thought I would be ok but I was outside of my means financially. Even though I made all my payments some were late about 2 years into my loan the finance company was Bought out by Santander. After 6 years of making payments they claimed that I owed them XXXX dollars. I explained that that was more than the initial loan they responded that since my payments were late it was all going to interest instead of the principal. I told them I was in the military and that the truck barely runs and pleaded to make some kind of deal they dropped my interest rate down to XXXX percent and I have been making more than the minimum payment well ahead of schedule from then on. Currently my balance is now just over XXXX dollars. I have paid almost XXXX dollars for a XXXX used truck and to say the least its been a huge burden in my life. I sought out legal help and was told there is nothing they can do I tried to contact the company and make several deals and was turned away. Granted this was a great learning experience for me financially but I still think I am being treated unfairly. When I asked them to send me the original loan details and payment history they sent me someone else 's information my argument with the company is that how do I know that mistakes have n't been made on my account if they cant even send me the correct information the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting. 

The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated. 

1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX. 

2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate. 

According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate. 

Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Bread Financial Holdings, Inc.
State: CA
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 have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XXXX Bank : XXXX XXXX/ XXXX Amount:0 Date:XXXX Bank : XXXX XXXX/ XXXX  Amount : {$920.00} Date : XXXX  Bank : XXXX/XXXX Amount : {$4900.00} Date : XXXX  Bank : XXXX XXXX XXXX Amount : {$6300.00}

Company response to consumer: Closed with explanation