BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-25
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Co-owners ' rights and obligations can be altered by a written agreement. The rules described below apply unless a written agreement exists that provides differently. 
TENANCY IN COMMONExcept for married couples or registered domestic partners -- who are presumed to acquire all property as community property -- persons who acquire real property jointly normally own the property as tenants in common, unless the instrument under which the property is transferred to them provides otherwise. All co-tenancies between unmarried persons that are not expressly made joint tenancies or partnerships are tenancies in common. A few of the key features of a tenancy in common are : Ownership and Transfer. Unlike joint tenants, tenants in common can own equal or unequal interests in the real property they acquire, and may acquire their interests from different sources at different times. Each tenant in common may sell or encumber his or her interest without the knowledge, approval or consent of the other co-tenants. A tenant in common has no right to convey any other co-tenant 's interest, and any such attemptedTHE PROPERTY IN QUESTION WAS IN A TRUST WHERE ALL BENEFICIARIES WERE TENANTS IN COMMON INCLUDING THE FORMER TRUSTEE ( BENEFICIARY ) BUT AMERICAN GENERAL FINANCIAL/SPRINGLEAF ENCUMBER THE ENTIRE REAL PROPERTY WITH AN UNFAVORAL LOAN PER THE PROBATE COURT, WE HAVE TRIED OVER AND OVER TO FIND OUT HOW THE FORMER TRUSTEE GOT THE LIEN WITHOUT THE PERMISSION OF THE BALANCE OF THE BENEFICIARIES. HE DID NOT REPORT THE SETTLOR/TRUSTEE 'S DEATH FOR ONE YEAR 4 MONTHS AFTER SHE DIED AND 5 MONTHS AFTER HE TOOK OUT THE LOAN ON THE PROPERTY. THE REAL PROPERTY IN THE TRUST WAS THROWN INTO FORCLOSURE BECAUSE NOW SPRINGLEAF FINANCIAL WOULD NOT WORK WITH THE NEW TRUSTEE OF THE TRUST.But that does not mean that the other beneficiaries are responsible for that loan that is his along even though he was theTrustee he is also a beneficiary and must not be partial in dealing with the trust property '' IN THE TRUST IT STATES THAT IF ONE OF THE BENEFICIAIRES DIE THEIR " ISSUE '' IS TO INHERITE THEIR SHARE, Equal Right to Occupy the Entire Property. Although tenants in common can own unequal interests, unless agreed otherwise in writing all tenants in common have an equal right to possess and use the entire jointly owned property. No co-tenant may exclude any other co-tenant from any part of the jointly owned property. Because all owners have an equal right to occupy and use the entire property, no tenant in common may collect rent from another co-tenant. 
THE COURT ORDERED XXXX TO PAY RENT BECAUSE HE HAS ALREADY MOVED HIS FAMILY AND HIMSELF IN AND HAS NOT COMPENSATED ANY OF THE BENEFICIARIESNo Survivorship Right. A key feature distinguishing a tenancy in common from a joint tenancy or community property interest is that a tenants in common interest carries with it no survivorship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I disputed a XXXX XXXX XXXXXXXX fraudulent account on my credit report with EXPERIAN. 
I atttached an FTC report, police report, proof of my Identity and also a letter requesting that EXPERIAN remove and block this account due to fraud pursuant to FCRA 623 ( a ) ( 6 ). I sent a request for Method of verification pursuant to FCRA-611 XX/XX/2021 by certified mail with return receipt. EXPERIAN has failed to provide me with the information I have requested.EXPERIAN has continued to violate FCRA 623 ( a ) ( 6 ), FCRA 611, FCRA Section 605 B by not removing and blocking this fraudulent information.EXPERIAN has not provided me with any information to support leaving this fraudulent account on my credit report.

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 2015-04-19
Company: NEW YORK COMMUNITY BANK
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My rental home on XXXX XXXX has been financed with NYCB Mortgage for the past 3.5 years. My credit is excellent, approaches XXXX, and I have never missed a payment. I am trying to refinance this same exact home with NYCB that has been financed with NYCB for the past 3.5 years, to get a lower interest rate, from 4.375 to 4.0. Absolutely nothing has changed in the home since NYCB readily and easily financed this home 3.5 years ago, without any questions or reservations whatsoever. 
Currently, they refuse to refinance the same exact home, as they say this is a multiple dwelling home. I rent the home to XXXX person. She apparently has a XXXX of roommates. I do not have any problem with her having roommates, as I have nothing to do with them. I only have a rental agreement with my tenant, and receive rent from said tenant, that has lived there for 2 years. If she has a couple of roommates that help her pay the rent, that is usual and customary, and quite the norm in XXXX, where rent are high. 
According to the XXXX city code, to be considered an accessory dwelling, another stove must be present. There is XXXX, and only XXXX stove at XXXX XXXX XXXX. In the absence of said stove, the XXXX areas of the home in question can be considered wet bars, recreational rooms, bedrooms, etc. However, they are not accessory units. According to the city code, an accessory unit is defined as follows : What is an ADU? 
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
XXXX XXXX of these XXXX areas of the home that NYCB is calling " accessory units '' have cooking facilities. 
NYCB did the exact same thing almost 2 years ago to the date with the home that I live in.. After months of wrangling, heartache, and many pounds of flesh, it was kicked to XXXX XXXX , the XXXX vice president of underwriting, who realized immediately NYCBs absurd argument, and funding happened shortly afterward. Perhaps NYCB also realized I would not give up. I do n't know exactly, but do know interests rates have gone up since I locked in at my present rate of 4.0. Perhaps this has something to do with it. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Southern Credit Adjusters, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt in full on XXXX/XXXX/2015. It is still showing as owed on XXXX even though I have disputed it with XXXX and XXXX. XXXX no longer shows it as being owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an SPG credit card through AMEX with a welcome bonus of XXXX SPG points after XXXX spend in 3 months. The first time I applied it gave an error on the page, but the application still went through. So I applied again. One card was sent to my old address and the second was sent to my current address. I spoke with customer service and they advised me to cancel the card sent to the wrong address. After I spent XXXX dollars I never received my bonus, when speaking with customer service they informed me that it is a once in a lifetime bonus and since it was my XXXX card I was not eligible. I explained what happened and they said that they would forward a letter to another department and almost certainly due to the situation I would receive my bonus points after 6-8 weeks. After 8 weeks I contacted them again and they told me that they decided not to give me the bonus points, but they could forward another letter and I would have a decision in up to 8 weeks! I feel like they are just giving me the run around, when clearly I never received the 1st card and it was sent to the wrong address. Also the first customer service rep advised me to cancel that card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22
Company: Allied Account Services, Inc.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Was working on my XXXX at XXXX University and had almost completed the program except XXXX course, XXXX XXXX, and XXXX and was receiving financial aid thru the XXXX. Became ill and had to undergo XXXX and XXXX that lasted from XX/XX/XXXX-XX/XX/XXXX, with ongoing treatment ; however, I requested a leave of absence from the school and was granted a 2-quarter leave -- which is only 4 months. Student requested an additional leave on the grounds of medical and was refused, requesting personal medical records from my XXXX. My XXXX wrote a letter to XXXX University, and that is the way I received an additional leave of absence. Also, student had reached the financial aid lifetime aggregate, but XXXX University kept the student enrolled and billed the student with the student owing XXXX University instead of the federal government. This is a scam, to say the least. XXXX University had turned this bogus account over to a collection agency -- Allied Account Services, and this company is relentless -- will not listen to reason and keep digging into my personal files at XXXX and submitted the documents which has no baring on this bogus account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
Chase Account # XXXX. Owed XXXX-made arrangement for 60 monthsXXXXXXXX a month.in XXXX 2011. They have charged 6 % interest. 
I have paid XXXX on principle, XXXX on fees and XXXX on interest. Total of XXXX. 
I made payment arrangement due to harassing calls and threat of court action in 2011. 
I have paid XXXX on principle and feel I only owe XXXX26 months. 
I f i pay for 60 months the total will be XXXX have access to all the statements. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for over 2 years to get a decent loan modification on my primary residence with my lender OCWEN. They state that I can not qualify for a HAMP loan modification because my investor does not participate in that program. So they stuck me with a 6.0 % loan modification that is XXXX % higher than the market interest rates. I ran my scenario using the XXXX website and it says that I totally qualify for a 3.25 % loan modification. I just want to keep my house and have an affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies XXXX, XXXX & Experian, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only XXXX would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus TransUnion and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?

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 2016-01-05
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Social Finance, Inc.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I decided to participate in SoFi 's " check your rate '' campaign. The rules of the campaign were to fill an application to the point of being able to get a rate quote ( soft credit pull ) but no requirement for a hard credit pull and to have an account with SoFi to have the promotional funds deposited. After 10 days, the company was to deposit the funds into your SoFi checking account. I completed everything required on XXXX XXXX but did not receive any funds. On XX/XX/XXXX I reached out to SoFi and spoke with one representative that said they did see the rate check but would have to connect me with a loan representative but then ended the assistance session without connecting me further. Once I got the second representative, they told me I must not have qualified for the promotion although I read the fine print on the promotion and was very particular about following all requirements of the promotion. The customer service rep offered no further path to fix my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Their investigation did not fix an error on your report

Complaint:
Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights..

15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )

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 2016-07-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
AMEX phoned me and invited me to apply for a gold AMEX card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AMEX says I was denied because my old AMEX card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over XXXX credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AMEX forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AMEX debt was never pursued and was forgiven by AMEX, it is legally extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt i owe them. Each of my credit reports shows different information and they continue to show an open Charge Off. I have disputed directly with no follow up or information given. They continue to report every month. I have disputed with the XXXX major credit reporting agency and they continue to report every month. None of the information they are reporting is correct because none of it can be verified. I want Santander Consumer to remove all traces of there collections claim from the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. I also want in writing that this issue has been resolved as Santander Consumer based on research and Class Action suits brought up against them and won, will continue to pursue debt that is not theirs to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was targeted for an American Express Platinum card. On XXXX XXXX, I logged into the cardmatch tool at XXXX and saw an offer for XXXX membership rewards points after spending {$3000.00} in three months. I applied and was approved automatically. When the card arrived three days later, I called American Express to activate my new card and inquire about my signup bonus. The rep whom I spoke to said my card comes with no signup bonus. Despite me having screenshots of the XXXX point offer and contacting many other associates and supervisors through the phone and online chat, American Express and I have not been able to solve the situation amicably. I have not used the card and will not be doing so if I 'm denied what 's due to me. They 've billed the annual fee to my card ( {$450.00} ) so I 'm calling for an immediate resolution to this situation so I know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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: Their investigation did not fix an error on your report

Complaint:
In accordance to the fair credit reporting act the account below has violated my rights under 15 usc 1681.

AccountXXXX Also has violated my rights under 15 usc 1681section 602 A 15 usc 1681 section 604 A section 2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 )

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