BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: BOEING EMPLOYEES CREDIT UNION
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Guidiville Indian Rancheria
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Original loan for XXXX dollars, never received a statement on line made a payment of XXXX dollars monthly. balance is now XXXX after 6 months. had to give my bank account info to receive check. monthly deduction of a minimum of XXXXfrom my bank, XXXX.loan original called blue horizon loan co. when I ask for statement I get other peoples account. can not print or use monthly statements.account number is XXXXminimum next payment is XXXXdue XXXX XX/XX/XXXX2017. XXXX will not drop this Loan co. from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Wilson, Riley & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
He identified himself as a lawyer from Wilson, Riley & Assoc. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed XXXX XXXX {$310.00} but I never had a loan with XXXX XXXX. The payment arrangement he would make today was {$180.00} to consider the case closed or three payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is scheduled for foreclosure on XXXX XXXX, 2016, tomorrow, so not expecting that anything at this late date can be done, but it would be nice. I was told the only way to stop the foreclosure was to pay an amount to reinstate the mortgage. The problem with this is as of today, I have not been given the exact amount to reinstate and this has gone on for over a week! Citimotgage has not been able to give me the exact amount nor has the attorney handling the foreclosure, XXXX XXXX XXXX. How am I to get the money together from my XXXX and a relative to reinstate my mortgage and stop the foreclosure if you ca n't quote me the amount due! How is that fair and how am I being held accountable for this illusive amount. They have had me calling back and forth between the XXXX, wasting time and precious days needed to get funds from XXXX, papers have to be signed, a letter from CitiMortgage is needed to process the request, which takes a couple of days, needless to say I am highly upset!! They have on purpose, in my opinion, allowed this to drag out, so I could not do anything or get anything accomplished in time. I literally have some of the funds just sitting in my XXXX, waiting to be accessed, but I was n't allowed to move forward, because of the run around and the refusal by XXXX to write a letter stating they would be willing to take the amount I have, a partial payment, along with money from a relative. I was not allowed to speak to a home specialist, about my modification, because it was too close to the foreclosure date. not sure what can be done, but I think it is important that you know and others how I have been treated. My problems with CitiMortgage have been on going, previous case # XXXX, I have tried to get them to lower my payments so I could actually make payments on time, I feel they have price gauged me!! My payments have consistently gone up from XXXX, to XXXX, now it is at XXXX, I tried to include them in a bankruptcy case, but they wanted the XXXX monthly payment, plus another {$400.00} deducted from my paycheck, this is what I have been dealing with! I am at my wits end and it maybe time to move on, although I am literally being push out. My son is at the local high school, he is a junior I would at least like to be allowed to stay until the end of the school year. Please, help if you can?

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 2016-10-28
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Hello, I went to the ATM at the XXXX at XXXX, XXXX, Florida XXXX. I went to withdraw money but had requested an account inquiry by mistake. I figured no big deal since it was only an account inquiry. I decided not to withdraw any funds. Later when I got home I checked my balance online and saw {$2.00} was taken out. First on all I checked my balance once and even if I did check it more than once what company charges to check balance multiple times at that. Second there was no warning that they would charge this fee else I would have said no. Finally this is intentionally deceiving patrons who use the machines. There was a lady there I spoke to said Citibank took her for {$10.00} cause she checked her balance. It 's not the amount but the principle that a big bank would stoop to this level of not making it clear that you will be charged to check balances. It is in a poor neighborhood so that could be a factor to rob the poor.

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 2015-07-13
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Requested a pay off of vehicle loan held by Santander ' Consumer USA at the time a payment was due. When I called the following day the dollar amount had increased significantly. After speaking to a CS rep I was given a XXXX dollar amount. I asked to speak to a supervisor to explain their practice and was told someone would call me. This put the payment XXXX days late. 
After going back and forth trying to get anything close to my billing statement for an accurate number, I finally got a number that was again higher and different than the others however I settled for this and told the rep I wanted to pay and close the account while we were on the line. I was told the amount to settle the account in full was above the amount of transaction the we 're allowed to process over the phone and I would need to send my payment via mail. I did so. Even paying a few dollars more so I had peace of mind I was finished with this organization. The payment finally posted but only after a second 30+ days late fee. Luckily I included enough to cover this ( I expected this to happen since paying off an account here was not an acceptable practice ). Loan was a 72 month loan and it was settled after 53 months. My complaint is that I now have two XXXX 2 XXXX thirty XXXX 30 XXXX days late marks on my credit report. This company refuses to discuss with me due to the fact I no longer have an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am still having problems with Chrysler CapitalXXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I made a reservation with XXXX in XXXX, with a quoted amount, which I have in writing. XXXX charged my American Express Account {$1200.00} more than I was quoted. XXXX has provided American Express with documents that are forged, they are not the forms I signed, and the signatures are clearly not mine. The forms I signed in XXXX were in XXXX, however they ( XXXX ) provided credit card receipts in XXXX to American Express with signatures that are not mine. I have re-filed my dispute 7 times now. I am at a loss fighting with a huge company that does not care that I have been overcharged severely, and because I did business with them, they will not file a fraud charge. This is fraud, they call it a dispute just because my card was not stolen, but it is fraud. XXXX will not respond to my emails, so I have no recourse with them ( as they are in another country ). I expect American Express to protect me and they continue to let me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2015, I used my American Express Bluebird card with an available balance of {$950.00} at the grocery store. The card was run through the terminal XXXX ( at {$140.00} per transaction ) and were both declined. Cashier was able to handkey and the amount was approved. XXXX XXXX, 2015, contacted American Express Bluebird and was told that I will not be getting the money credited for XXXX days, and was told to contact the merchant. XXXX XXXX, 2015, contacted the merchant and they investigated the matter. They stated that the transaction was declined by American Express Bluebird for lack of available funds. I contact American Express Bluebird again, and was told that due to their " internal '' system update, they will not give me a credit for XXXX days. Their service agreement does state a hold on certain purchases for gas, hotel, rental cars and so forth. However, their service agreement does not mention decline payments and holding funds because of these declined transactions. I did indeed have the funds in my account, because when it was hand-keyed, it was approved. This is fraud. American Express Bluebird is now using the guise of declining payments to steal money from customers. {$280.00} may not be a lot to some people, but it can be life or death for others. When the system update was implemented, the consumer was not notified by either email, text, or notice on the website, mobile APP, or social media. A police report for fraud and theft is now being processed by the local police department. I 've read their service agreement and in no way is there a information on holding available funds in the event of a payment decline. The merchant was not at fault, and their terminal was working. According to this merchant, this is the XXXX customer complaint in one week they have received regarding American Express Bluebird.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In reviewing XXXX XXXX credit report, I found that first investors financial service corporation placed the incorrect balance amount along with the duration period of the false balance on my XXXX report. I currently have a pending investigation with CFPB open with their debt buyer XXXX XXXX XXXX, in which they requested 60 days to get the correct balance resolved. Within those 60 days, my first investor financial services credit report balance increased to the loan origination amount. ( indicating that my high loan balance was XXXX ) Please be advised that payments were made throughout the lifetime of my loan. It is basically showing I have n't paid anything. I had gap insurance, along with my car was sold at auction XXXX/XXXX/2014. None of those credits were applied. Based upon the consent order dated XXXX/XXXX/2014, first investor financial services was ordered to pay a XXXX XXXX dollar fine based inflating delinquency amounts. The only difference in this matter is first investor financial services was n't able to inflate my delinquency balance on XXXX and XXXX, they used XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Through the HSBC Bankruptcy Department I have been making mortgage payments since XXXX. I received a letter dated XXXX XXXX, XXXX from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since XXXX XXXX to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addressed this matter. I have no other recourse but to involve this agency to assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: RSB Equity Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Constantly Called my place of employment and left a threatening message on work phone. Very vague and just stating " It would behoove you to call me back at XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I purchased a home for $ XXXX with XXXX XXXX XXXX as the lender. At the time I was employed full time as a XXXX. However, in XX/XX/XXXX I was laid off from my position. This caused me to fall behind on my mortgage payment missing a my first payment XX/XX/XXXX. This was reported on my credit statement as a 30 day delinquency. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, progressing to 60 days, 90 days, and then 120 days til it was sold XX/XX/XXXX. I tried to work with the lender to complete a modification, but they refused to work with me even once I started back making regular payments. It was n't enough to cover the periods of times that I missed or tried to make a partial payment out of good faith. This caused my loan to be sold XX/XX/XXXX to purchaser Selene Finance, they have the same date of opening of XX/XX/XXXX, but everything is is in accurate. They reported first date of delinquency of XX/XX/XXXX after my 60 day grace period was over. Neither company is reporting my date of first delinquency in an accurate manner making it hard to put this difficult time behind me. Under FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. I am requesting an investigation to get this item updated on my credit report since it is inaccurate under the law. My credit report accurately shows date of delinquency as well as date of transfer, and my account never being brought current after going delinquent. The home was recently foreclosed XX/XX/XXXX due to continued late fees that equaled half a month of mortgage. I was unable to pay due to unemployment that arose XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Amsher Collection services sent me a notice regarding my delinquent XXXX balance offering me a settlement. The settlement is {$32.00} off my balance if I pay before XXXX/XXXX/15. It states that to accept the offer I am to call XXXX. 

When I call this number I am greeting by a message telling me I can leave a message which is then interrupted by another message leading me through a series of prompts which leads me back to the original message creating a loop where I can never leave a message nor speak to a representative. 

I simply want to pay my bill and would like to accept the Amsher 's settlement. However the number they provided does not allow me to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: State Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01
Company: CHECK INTO CASH INC.
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was called by a company called XXXX on XX/XX/2017 at XXXX in regards to a defaulted loan through Check Into Cash in XXXX. I explained to the collector that i am homeless and have been since late XXXX and he started swearing at me and calling me a liar and threatening to have me arrested and sued. His behavior was abusive and hostile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote Equifax three times requesting that inaccurate information be removed from my credit report. Each time they responded that the information on my report was verified even though they did not provide me with physical proof or evidence of the verification. This is in direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This public record should not be reporting on my credit file! This is an error and I disputed this inaccurate account with Equifax over 60 days ago and never received a response. However, this erroneous public record is still reporting on my credit file after all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I wrote the credit bureau back in XXXX and included identification documents. They never responded. I called the Texas Attorney Generals office and they said to make the complaint here.

Company response to consumer: Closed with explanation