BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: RELIANCE FIRST CAPITAL LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We tried to refinance our home mortgage with First Reliance Capital. I do not have enough space to explain the entire process. The quick version is on XXXX XXXX, 2016 we applied for a refinance mortgage. We felt we were prey to a bait and switch. Our first loan explanation was for {$240000.00}, points were XXXX. When we received the second closing documents before closing the loan increased to {$240000.00} and the points increased to XXXX. 
We then went through a long series of promised to lower the points, Despite all the documents, we did not have the loan we initially agreed in writing. 
We finally sent a certified letter requesting to close our loan. They again continued to call, hound us, plead to keep going with the loan process. We finally insisted to close the loan on XXXX XXXX, 2016. After firmly telling the loan officer we wanted to close she agreed. 
The next day her supervisor calls, again using very high pressure tactics to keep with the process. I told her she could send the documents but I still feel I want to cancel the loan. I then talked to our financial adviser. He recommended not to continue. I then sent an email asked to close our loan. 
I also phoned my bank telling them not to give any information. Reliance had already called after I asked to stop the loan process. 
I then received another call from the vice president of First Reliance, asking I call, I did not call him. He did finally email me and said he will close my loan. 
This is a very condensed version. There are many more details that are very important and I was unable to fit them in this space. I do have a letter that outlines what happened in full detail I feel this on line company used deceptive tactics, they used high pressure techniques to have me continue with the loan process when I asked to close our account. They also were very pushing with the homeowners insurance and the title company. I had complaints from both that they demanded things they did not need and were very demanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complaint is against Marriot XXXX XXXX credit card under Chase Bank. 
About a month ago ( XXXX half of XXXX ), I did an online application. The offer under Marroit XXXX XXXX card is XXXX free night rewards ( each night valued up to XXXX points = XXXX pts ) after you spend {$3000.00} on purchases in your first 3 months from your account opening. I have received my credit card last month and have already fulfilled the terms and conditions. Unfortunately, up to this day I had only received half of the XXXX points as promised. I have called and spoke countless times with customer service reps and supervisors to amend and update my points but to no avail. They refused to oblige and look further regarding the issue. Because according to them, my application was only good for the XXXX free points offer contrary to the offer online of XXXX points and as agreed over the phone with the agent who processed and approved my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Shellpoint Partners, LLC
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 had two accounts with Shellpoint Mortgage Servicing. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX my truck was stolen from the XXXX area at a friends house. I notified my insurance company XXXX which referred me to my gap insurance since I only had liability on the XXXX truck. I was notified by XXXX XXXX XXXX XXXX that they had my vehicle and acquired it on XXXX XXXX, XXXX. I immediately notified the Gap Insurance company who said they would send adjusters out to assess damages and next steps and that I could check the website for updates. the lot would only hold my truck until XXXX XXXX, XXXX according to the notice, I informed the insurance company of this as well. Around XXXX XXXX I contacted the lot where my vehicle was being held to inquire of the adjuster had been out since there were not any updates in the system and time was running out. I was informed that the lien holder came to pick up the vehicle on XXXX/XXXX/XXXX. I received no information for the lien holder as to the status, I forgot to mention during this same time frame, end of XXXX I received an email for the gap insurance company that they would not be paying a benefit because they got a report that the vehicle was repairable. 
On XXXX XXXX, XXXX I got an alert from XXXX that my credit report has changed, that 's when I learned that Santander had listed my vehicle as a repossession. I had the loan for approx. 2 years and I have never missed a payment even through vehicle being stolen. When I contacted the company I learned that the truck was going to auction on XXXX XXXX and if I wanted to get it I needed to pay {$1500.00} at this conversation it was around XXXX XXXX they claimed they sent out a notice which at this point I had not received regarding their intent to sale the vehicle. I did get a notice of a certified letter on XXXX/XXXX/XXXX. My issue is I am being penalized for my vehicle being stolen, and to call it a repossession after never missing a payment on the vehicle is absurd their explanation is because they picked up the vehicle form the lot it was a repossession, I could have very well picked up the vehicle if it was n't for the fact that I was told by the gap company to wait for an adjuster to go out, they can call it anything else but a repossession does not represent me or what happen in my circumstance, not to mention the damage it will do to my credit I have been working on for an entire year! 
I do n't know where else to turn and Santander is not even considering changing it from a repossession, Please advise on what I can do -- Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 2015-10-18
Company: RELIANCE FIRST CAPITAL LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Refinanced my Mortgage with Reliance Capital out of XXXX NC. From the start of the process they have told me that there would be no points or origination fee since I refinanced my last mortgage with them. When I received my first settlement statement it had {$3700.00} in points and origination fees. When I brought it to their attention the mortgage broker promised me that this would be taken off when it went through underwriting. He said the computer automatically generates it on the paliminary statements. I asked that he send that to me in writing, which I have in an email from him. Closing kept getting delayed by a month because i was told that the underwriter was dragging their feet. Closing was scheduled at my office to sign all papers which were not made available to me until the night before the closing. I immediately contact the broker in writing asking why the fees were still listed and should we postpone the closing until they get it fix. He assured me the monies all would be wired to my account. I have all of the emails attached from him assuring me. At the closing the fees were still on the settlement statement so I refused to sign it and called the mortgage broker. He said it was a mistake and to continue withe the closing and that he would send a new settlement statement that afternoon and that the additional monies would be wired in my account the following day. I received no new settlement statement or monies that week and made several calls and sent emails asking where it was. I received a call back from the broker in response to me calls and email promising me that the monies would be wired and that they were waiting on their office in another state to redo the settlement statement. It 's now a month later and I have received nothing and they wo n't return my emails or calls. I even sent an email to his boss that reached out to me in the beginning states of the loan saying if I had any concerns of problems that I should contact her and she would resolve them. She has not responded to this date. I have attached all of the emails concerning this and the settlement statement I would n't sign.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
There are late payment showing on my account. I have never received a notice that I am late nor have I receive a statement, via mail or electronically, showing my balance or when payments are due. I have contacted the company to have my on-line account activated but have not receive a response. I 've been told to contact several departments. I 've been paying over the required amount to have overage applied to principle balance and I should have paid it off. My credit report shows I have {$800.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chrysler Capital has charged me triple the amount of interest. They have charged me about {$15000.00} interest so far and I still have 36 months on my loan. This was a 72-month loan for the amount of XXXX. I still owe about {$19000.00} on this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have money missing from my checking account between XX/XX/XXXX thru XX/XX/XXXX. They are money transfers that I did not make. As a matter of fact, I have never made a money transfer.

The dates and amounts are as follows : XX/XX/XXXX {$300.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$24000.00} XX/XX/XXXX{$2000.00} XX/XX/XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. 

I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. 

After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. 

From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. 

I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. 

Thank you for your help looking into this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2022-10-17
Company: ProCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since sometime in XXXX or earlier, energy accounts have been opened in my name in the state of Texas. These accounts are not mine & I have never even lived in the state of Texas. Now the accounts are being sent to collections & it is affecting my credit. The latest account in collections is from Procollection for around {$550.00}. I called XXXX to dispute the collection, the address linked, & another Texas address appearing. I assume the rep did not know what he was doing because he didn't dispute the linked address & the company has verified the debt as correct. I have called XXXX once again, explained the situation & disputed both things. After I submit this claim I will also contact the Collections company myself.

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 2021-03-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX and chexsystem is stopping me from getting line of credit and a checking account that my social security number and day of birth been exposed and I like my name to be removed I am a victim

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