BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
my student loan is now owned by naivent. The payment are automatic debits from my checking account.The company reset my payment to the minimum payment. the loan company had agreed to accept larger payments so the payments were going mainly to principal. our months ago they reset the payments to the minimum and hoped i would n't notice so the payment mostly goes to interest. They broke the agreement to get more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, I received a court document from District Court in MD indicating that I am named as a defendant in a civil case going back to XXXX. The document is in former name that I have not used since XXXX. From the court documents, it showed that this legal office have been sending letters to an address that I have not lived in from XXXX to XXXX under that name and pinned a judgment against me knowing that I would receive the document. I do n't recognize this debts nor have I ever owed any money to XXXX as indicated. This is clearly a tactic used to get the court to issue a judgment in my name for not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have notified Simons Agency Inc by Certified mail about this complaint and they completely ignored my complaint about this issue. 

Simons Agency Inc in NY has been trying to illegally collect from me and has left XXXX entries on my credit reports. I have asked NJ Treasury to look up Simons Agency to verify if they are bonded or not ... NJ Treasury has confirmed to me that Simons Agency is not bonded to collect in NJ and is not legally allowed to collect in NJ without bonding. 

According to New Jersey Section 45:18-1 Collection agencies must file bond to engage in the business of collections in NJ, there for Simons Agency is not legally allowed to collect from me or put anything on my credit report because they are not bonded to do so. 

Simons Agency Inc has already broken NJ law and is in violation of the law. I ask that this be fully investigated and to comply with my resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I received an alert of a hard inquiry pull on my credit report from Keystone Equipment Finance Corp . I called the company number, and I spoke to their XXXX XXXX, XXXX XXXX, who notified me that my ex-husband reached out to them asking if he can apply for financing for a truck for his logistics business. Previously, when we were married, my ex-husband financed a truck through the company and used me as a guarantor. He has since paid that truck off. General counsel explained to me that since the company had his previous application on file, they could expedite the financing process. The company nor my my ex-husband asked for my consent to be a guarantor again and ran my credit without my permission. Our divorce has been finalized since XX/XX/2022, so there should have been no reason for my name to be on this new application. Additionally, XXXX XXXX also informed me that my ex-husband forged my signature on the new application. I am requesting an investigation into this matter and the removal of this hard inquiry from my credit report. XXXX told me that he removed me as a guarantor on the new application and made a note in the file. I have also asked him several times for a copy of the application with my forged signature, which I have yet to receive.

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 2017-03-14
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Citi Bank has removed XXXX points from my account and refuses to communicate reasons. 

Citi reduced my account from reward points from XXXX down to XXXX. 
Demand compensation. 
Citi employees Executive Response team XXXX @ XXXX and XXXX have REFUSED to respond being unprofessional and unethical.

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 2015-05-21
Company: VW Credit
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I went to XXXX XXXX XXXX to get options to trade in my XXXX XXXX XXXX XXXX lease. I was over mileage so the dealership offered me to put a {$2500.00} down payment on a new lease with {$340.00} a month that we hassled with incessantly but they said I had so much in overage that this was the best I could do. I relented but agreed. Months later I start getting letters from VW credit saying that I did n't satisfy the amount owed on my prior lease. The dealership told me that when I got my new vehicle the reason I was putting so much money down was because I was so much over and it turns out they lied and had not satisfied my lease. I reached out to the finance manager XXXX several times, he asked me to get an invoice from VW I sent it to him via email and tried to call and follow up several times and have not heard back. Not considering my many phone calls that he ignored on email I reached out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and since then when he did n't respond I have been Corresponding with XXXX XXXX sending her the email on XXXX/XXXX/XXXX. I have called XXXX several times which I can document at least 9 times and have only received responses 3 times. I am now in collections thanks to their finance team at a time when I 'm looking to purchase a home among many other changes I 'd like to make. I demand that they honor what they told me and satisfy my outstanding balance, that they write a letter to the credit collection agency stating this was an error and I receive a satisfaction letter stating that it is being removed from my credit and it will not affect my credit rating. If both of those conditions are not fully met I will most definitely file a lawsuit, and if lawful, seek out other plaintiffs who must have had this same experience since there is an apparent culture of making false promises to churn over clients hoping that they 'll pay the excesses they lied about covering so they can make bonuses as a high volume dealership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Got a home loan from caliber. After 3 months the note was sold to XXXX. Caliber sent notice of sale an to no longer send payments to them. The other bank never had it set up. Learnt after many attempts to make a payment that the paperwork was not submitted in time so they did n't except it. Caliber has closed the account an will not take a payment. It has been 4 months an worried of forclosure. Caliber will not discuss anything saying the account was sold. This dispute over someone not getting the paper work done is gon na cost us the house. We have made many attempts to resolve this with certified letters an having an attorney send both company 's letters with no luck. They should not be able to do this to people an get away with it. There should be a law to protect the home ower. Average people do n't have deep pockets to keep paying lawyers to fight for something that 's the mortgage company 's fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Caliber Home Loans, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a Victoria 's Secret account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote Victoria 's Secret a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired XXXX to harass me relentlessly by calling. I made a mistake of writing a check to XXXX ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed a loan through Santander in the amount of  XXXX . I have made  XXXX  in payments toward my loan, I request a payoff quote and much to my surprise I still owe more on my loan than the amount I financed. i have asked  Santander  to issue credits toward the principle and they refuse to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent my mortgage company a certified check for {$11000.00} on XXXX/XXXX/XXXX. I talked to my account rep on XXXX/XXXX/XXXX and told her I would be mailing my total due within a week. I did do as I said. I have been calling my mortgage company to see if received and left several messages and finally today was able to talk to someone. They said the check was probably sent back to me because additional monies are owed. They said foreclosure paperwork is in the process. I have never received any paperwork in the mail for a foreclosure. Now they told me that a letter dated XXXX & XXXX/XXXX/XXXX has been processed which I have n't received yet. It looks as though my call on XXXX/XXXX/XXXX might have prompted them to start proceedings. I do n't know what to do at this point. I have been out of work with no income coming in. I filed for social security XXXX/XXXX/XXXX and it took social security this long but sent me a back payments. This is why I was so much in default. My account rep told me to send the money because it did n't look like foreclosure paperwork had been started.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ALLY FINANCIAL INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Ally Bank charged me an overdraft fee on a debit card. 
1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 
2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 
3. If someone came into my home and stole from me, I could shoot them. 
I DEMAND MY MONEY RETURNED IN FULL. 
Further, I request a {$35.00} fee for theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for a XXXX rewards credit card through barclaycard, they requested for more information stating to identify myself, I sent documentation including drivers license front and back, ss card, and a bank statement, I called to follow up company 's response was we do n't believe that this identity is you, representative hung up I was told that I could have been approved but they did n't believe it was me, how is this possible when my credit report states my information correctly and note that I just bought an automobile for XXXX, the company is denying credit for people who qualify, please stop this practice!

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 2016-05-31
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.

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 2021-03-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was called from an unknown number stating the man was a process server attempting to serve me but he wanted to set up a time to schedule it. I asked what it was for and he didnt know but gave me a phone number to the law office. I called and a very rude man informed me I had a 10 year old debt to a bank and I owed $ XXXX and I stole from the bank, it was a fraudulent theft charge and I was going to jail/county lockup for 180 days. I asked what the debt was for and he would only tell me the name Fifth Third bank. Man knew my full SSN. Anytime I asked for any other information he became belligerent and said I was refusing to pay and he was going to use the recording in court to prove I knew about the debt and that it was accurate and I confirmed it was mine, though I did not. Man said I had a court date for the following Monday at a XXXX court but he refused to give me any sort of case or account number, he said he didnt need to because he had my voice recorded saying I knew it was mine and I was refusing to pay. He hung up on me twice. I called both Fifth Third bank, who declared I didnt owe them anything, and the XXXX XXXX county court, who said I had nothing pending under my name. I worked in a debt collection law office and know there are multiple MULTIPLE FDCPA violations he made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have not checked my credit report in a very long time. I was wondering why I was unable to open up a bank account, so I ordered a new credit report and noticed a lot of items on there that were not mine. I believe I am a victim of Identity Theft and would like you to please look into this because it is simply affecting my credit score. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion added, previously deleted inquiries from my credit report. A couple of weeks later, those same deleted inquires were placed back in my file. I spoke with several representatives that in fact advised that they had experienced a glitch in the system and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promise.

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