BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-01
Company: STERLING JEWELERS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since

Company response to consumer: Closed
Consumer complaint received 2016-10-30
Company: General Motors Financial Company, Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I leased a Nissan Sentra for my daughter from XXXX XXXX in XXXX. My daughter lives XXXX The vehicle was registered in XXXX. Nissan Motor Acceptance Corporation paid XXXX State Tax on the vehicle and billed me for that Tax. I live in XXXX. I worked with XXXX and NMAC for several years attempting to resolve the issue. XXXX noted that the issue seems to have been resolved by NMAC. This was in XXXX of 2013. Recently I approached my bank to get a loan to buy out a lease. The loan was denied because NMAC put a note on my credit report advising that I did not pay for these taxes. I am not sure what to do at this point. I have contacted an attorney. He advised that I should file this complaint first, get a number so that we may proceed with legal action against NMAC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: High Point Asset Inc
State: KY
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
THE CURRENT CALLER IS HIGH POINT ASSET MANAGEMENT THE NUMBER IS XXXX. THEY CONTINUALLY CALL ME HARASSING ME ABOUT A PAYDAY LOAN FROM 2011 THAT HAS BEEN PAID BUT THEY ARE CLAIMING IT HAS N'T AND ARE USING ROBOTIC CALLS TO TRY AND GET ME UPSET OR SCARED SO I WOULD PAY. NO REAL INFORMATION ON WHO I OWE AND WHEN I ASKED THEM FOR INFO THEY SAID THEY COULD NOT GIVE IT AND WOULD WRITE DOWN THAT i REFUSED TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid all of my credit cards off in XXXX. I missed the change on my loan with Springleaf and paid {$860.00} of the {$860.00} balance. In XXXX, I received a bill for {$14.00} which I assumed was residual interest and paid that in full immediately. I 've now received a XXXX statement for {$0.00} to which they only replied they " believe '' that will close out my balance. I believe I have been charged interest on the interest balance. I did n't experience 2 months of residual payments with any other credit cards I paid off on the same day. 

If somehow correct ( which I ca n't imagine having to pay {$0.00} on a {$0.00} balance ), they are a ) using a financial calculation unique to them and b ) not clear in their disclosure of this practice. 

The agent with whom I spoke offered to write the {$0.00} balance off as " settled for less than owed '' which I refused of course. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced in XX/XX/2015. Every year the Bank says I have an Escrow Shortage. This year is the most expensive one they are asking me to pay. I am on a fixed income and this makes it hard for me when each year my payments adjust. The Bank said they do an analysis rather than an actual which makes it hard for me and they are already telling me that my payments will be going up next year. I wish I could regulate the payments and not owe an unknown lump sum each year.

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
Consumer complaint received 2017-01-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I tried to deposit {$840.00} into an ATM machine near my school, however, ir sucked my money in. Then, instead of counting it, the machine ate my money and read error. I reported to the problem to the USBank, and they put {$840.00} temporary deposit into my account on XXXX/XXXX/2017. However, they reversed {$480.00} back on XXXX/XXXX/2017 and noticed me that they decided I only deposited {$360.00} into the ATM. 

I absolutely made a {$840.00} deposit into the ATM. I tried call them, and was transfered to over five person, no one actually helped me! The last one told me to go to the bank branch. When I went to the branch, the clerk and manager tried to transfer me to somewhere else by asking me to call the customer service. At last one manager assisted me to file another claim, and told me to expect the answer in 10 business days. However, three weeks passed and not a single notice has been given. 

With about five years use of USBank checking and saving account, I have never owed the bank for a single XXXX, but they tried to " steal '' {$480.00} from a student and leave me no reasonable explanation.

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 2015-08-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I applied for an installment loan with Ace Cash Express for the amount of {$4200.00}. Ace Cash Express deposited the funds into my primary checking account on XXXX XXXX, 2015. 

According to the agreement, I am to make XXXX payments in the amount of {$270.00} with an initial payment of {$330.00}. The initial payment was deducted from my account on XXXX XXXX, 2015. As of XXXX XXXX, I had repaid {$1100.00}. I contacted Ace Cash Express on XXXX XXXX to get a pay-off quote and I was informed that the pay-off through XXXX XXXX, 2015 is {$4100.00}. I 've complied with the loan agreement and made payments as scheduled, but only {$16.00} has gone toward the premium balance. 

I have ceased making payments until I can get a resolution on the interest. This is a predatory loan and I do n't think it is legal. I 'm seeking assistance for a resolution. I am not opposed to paying the loan as I have taken loans with Ace Cash Express in the past, but I was always in a position to pay the loan in full within a couple of weeks, so I did not realize that this Company specializes in predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was sold to Selene Finance by XXXX in XXXX. XXXX had approved a loan modification and I had been paying them, without incident when they sold. One month into my relationship with Selene they raised my monthly payment by over {$300.00} claiming an escrow shortfall. I sell real estate and am hearing more and more of my customers complain about the pattern of changing mortgage terms. It is not unique to Selene but other mortgage companies are doing it too. Please look into this housing fraud scam immediately!. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Applied for loan from Ace Cash Express. 
Ace sent a phony government check that XXXX Bank cashed and is now holding me responsible for the amount of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I own this company I already talk about this but the keep calling my employee r and disclosing my 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 2015-03-25
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2014 I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received a call on my job today from XXXX XXXX, who is employed by ConServe. I have not given my work number to any agency nor permission to contact me on my job. The call was humiliating and embarrassing. My goal is to find out what my rights are legally. My major health issues and low paying job have prohibited me from making regular payments. The previous collection agency would tell me that I was refusing to pay loan when I did not make their minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Special Financing Company, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a XXXX inch FROM XXXX FOR XXXX FOR WHICH they then tacked on an extra XXXX. I originally bought a laptop for which I had to return because it was the wrong one. he charged a markup on this device but did not return it when it was credited I ended up being billed XXXX for a XXXX tv originally purchased from XXXX XXXX through XXXX. Then special financing who bought the loan was taking payments from my check at work. I took them off because I was on XXXX since XX/XX/XXXX I was getting sick pay 15 hours per month and the got all of my sick pay money. So I requested the company take them off of direct pay. they then hit my bank about 6 times I ended up payment XXXX in nonsufficient funds fees the bank credited me back XXXX. The company then went to my XXXX card which I did not authorize they only had it when I used it to pay them before. They stated that I gave them a copy of this card when I took out the loan, this was lie because I did not have this card then. I was reissued a card 4 months after I took out the loan. so after I paid them XXXX and agreed to pay the rest of the money the following month. The went into my account and charged XXXX without my permission ( I thought certain types of payments were not subject to collection -- this was XXXX check from ca state XXXX ) I had been on XXXX since XX/XX/XXXX the job paid them all of my sick pay which I requested and when I ran out they could no longer pay them, they got desperate and they took money from wherever they could. After getting the XXXX from my XXXX they stated that they received an additional XXXX check from my job which means they received XXXX in XX/XX/XXXX. they billed me a final payment XXXX for the bill from XXXX. They were overpaid and they will not return my money I sent the bank the statement that I sent you because they stated I HAD TO PROVE THAT I DID NOT OWE THEM BEFORE THEY WOULD RETURN ANY MONEY. they gave me XXXX on my card but the company did not give me anything. I called today they stated that they sent it too the bank. I asked her two weeks ago why would you send my money to the bank when you received if from my job. The bank never received the money I never received it because they never sent it. I am of the opinion that since the bank paid me back half the XXXX they want to keep it all. See the attached statement where they billed me XXXX and they include XXXX as " other fees '' I do n't know what that is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Discover card account, have had it for years, last XX/XX/2016 some fraudulent charges appeared on my account, i called discover told them i hadnt made the charges, they took all charges off, a month later i received mail saying that i was liable for charges that i did not do, i contacted them and they said for me to get a police report I sent them a police report and they still would n't take the charges off, they say a call came from my cell phone to verify charges, i have no such phone call on my phone records, I had XXXX email them a copy of my phone records that do n't show the said call and they still say I 'm liable, this is XXXX dollars they want me to pay them that i did n't do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rent Recovery Solutions continues to report to all XXXX credit bureaus that I have an outstanding balance of {$1700.00} owed to XXXX XXXX of XXXX. However, I settle this account with XXXX XXXX ' attorney XX/XX/XXXX. I have made repeated requests to XXXX XXXX XXXX to properly update my credit report, but they refuse to do so and continue to ask me to pay them money I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In 2011 I hired XXXX XXXX as my caregiver followingsurgery. During the next 3 and a half years she systematicallyused all my credit cards and atm card for her benefit. 
Thousands have been stolen. I filed XXXX police reports. Nohelp. Am currently contacting the fraud dept. of all cards used. 
{$1700.00} has been returned. More to come. I had my bank autopay my bills while my XXXX was healing. I trusted her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Rent Recovery Solutions
State: GA
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:
7 months ago, the cosigner of an apartment I resided in received a call claiming {$610.00} is owed due to " destruction of carpet '' to Rent Recovery Solutions. During the walk thru of the apartment with XXXX XXXX, the condition of the carpet was never mentioned. Unfortunately, having this been my first apartment, I was unaware that I needed to sign off on the walk thru. Never was I notified by the complex that this was owed and after receiving the call the complex claimed to no longer have my files. From the collection agency I received the walk thru letter, without my signature, showing the amount that cost to replace the carpet. The agency is unwilling to send me anything in writing stating that I owe this debit to them or that once the amount is paid in full, the case is closed. I am unwilling to pay them without the validation of this debt as stated in the Fair Debt Collection Act. I would like to take care of this as soon as possible since it has already gone on for 7 months. The XXXX XXXX hot line lead me to your sight. I am going to send a certified letter to the agency stating that I have filed this complaint and that they refused to abide by my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just want to send this to make sure I get my facts right and make sure there is a record of this information for further use. If I am correct, Equifax claimed that they finished an investigation, and I assume Equifax contacted XXXX XXXX XXXX to get this information, and claimed a negative item was mine. I had been in contact with XXXX XXXX XXXX who told me that a name I am unfamiliar with was also on this account as well as someone who used my wife 's name but was unaware we were married so opened the account using her maiden name. My wife had an account with XXXX XXXX XXXX at this time and that XXXX used her married name so I know XXXX XXXX XXXX had this information. When I request the proof Equifax claimed to have as I assume Equifax would require proof if they declared an item mine, they are doing another investigation. Does no one oversee credit bureaus? Does the CFPB ever take any action against these people like they claim too? I am going to contact the office that handles complaints against the CFPB because this is rediculus that I have written so many complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Seterus, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home mortgage loan is serviced by Seterus , Inc. A few years ago we refinanced with them for a much lower interest rate. We have been paying extra each month to pay down the principal. We pay our property taxes directly to our XXXX Co. tax office and pay our homeowners insurance directly to XXXX XXXX. We had no problems until XXXX XXXX, when Seterus sent a statement notifying us we had a negative Escrow account. It made no sense because we have never had an Escrow account. We called the customer service number and were transferred to various people, told us to call a different number and speak to the tax division. They said we needed to have an escrow analysis. Back and forth, not getting any answers, we were told to send our tax payment history and a letter requesting we not have an Escrow account. We did this. We got no response. Next month we still had a " negative Escrow account '' and our monthly payment was increased several hundred dollars. The customer service person said our request was " under review '' and for now we had to make the higher payment or pay a penalty fee and be turned in to a credit agency. This has been going on since XX/XX/XXXX. We made both installments for our XX/XX/XXXX taxes so we know there are no delinquencies. For 8 months, we have made phone calls, sent them our payments which are now {$1000.00}. above the monthly payment, and have never been able to resolve this. We ca n't afford to pay extra anymore, so we have lost ground on our plan to pay the principal down faster. We applied to refinance through XXXX, and have been approved. Now Seterus is setting our payoff amount {$8000.00} higher to get us to pay the Escrow balance, which would be for XX/XX/XXXX taxes that are not due until XXXX, XXXX. We do n't want to finance money for an escrow account which should not exist. Seterus does not have a person in customer service to talk to other than the representative. They have no complaint department, or superviser. They are strong-arming us and leave us no options. We believe t that since we have a lower interest rate and are paying off larger amounts, Seterus is trying to hold us to Escrow accounts to make money off the interest.

Company response to consumer: Closed with explanation