BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was talk into getting this car with very high interest and there has been XXXX recall on this XXXX car with this car company.I feel like i been sold a lemon .This car was given back to this company and i dont think this should be on my credit and be removed.Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : XXXX XXXX XXXX : MALFUNCTION INDICATOR LAMP ILLUMINATION. POWERTRAIN CONTROL MODULE MUST BE UPDATED WITH LATEST SOFTWARE *CNervice Bulletin No. : XXXX Component ( s ) : ELECTRICAL SYSTEM, EQUIPMENT XXXX ID Number : XXXX All Products Associated with this Service Bulletin expand Details close XXXX Associated Documents Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : CERTAIN VEHICLES ARE EXPERIENCING SCREEN LOCK UP ON NAVIGATION OR DISPLAY BLANK, RADIO WILL RESET, INTERMITTENTLY, NOT ABLE TO DIAL PHONE FROM RADIO BUT CAN DIAL PHONE, TRANSLATION FOR XXXX LANGUAGE ADDED, AFTER DISCONNECTION PHONE, FAILS TO CONNECT PHONE, ETC. MODEL XXXX CHARGER, CHRYSLER XXXX, JOURNEY. *PEroximately XXXX model-year XXXX XXXX XXXX SUVs manufactured between XXXX XXXX, XXXX, and XXXX XXXX, XXXX The Problem : Water may enter the wiring harness for the antilock brake system module and leak into the module, disabling the ABS or electronic stability control system ; this could cause a loss of stability, increasing the risk of a crash. XXXX Chrysler Automobiles noted that it is unaware of any related injuries or accidents. The condition, XXXX stated, is typically preceded by the illumination of an instrument-cluster warning light ; foundation brake function is unaffected. 
The Fix : Dealers will seal the ABS wiring harness to prevent water from entering, replace the ABS module, and repair the headlamp and dash wiring harness Read more at XXXX : XXXX # XXXX Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX four-cylinder engine The Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in Chile ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX Chrysler Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue Read more at https : XXXX # XXXX car has been a lemon and XXXX refuses to back the product they sell.I am extremely disappointed with this vehicle. I have had ignition and overheating problems.I was sold an a lemon and i want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX

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 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I got a notice about some unusual activity on an account that I set up for my younger brother to pay his expenses while in college, basically transferring all the money electronically to a different account through a program called XXXX. After confirming that it was n't initiated by my brother ( it was not ), I called and immediately asked for a hold to be placed. For this, I was charged {$30.00} which pushed the account into overdraft, but I was not worried, because I was assured the money would be returned in short order. Fast forward to 4 days, the transaction clears, to my incredulity, for which I was charged an additional overdraft fee. Furthermore, a number of transactions for very minimal accounts were in processing PRIOR to this transaction being posted and I was charged an overdraft fee for all of them. Finally, the bank decides to decline a transaction from paypal for {$9.00} and {$5.00}, respectively. I was charged a {$35.00} NSF fee for each transaction. As if this were not insulting enough, XXXX and the bank then proceeded to recharge, and return those transactions a stunning XXXX times, charging a {$35.00} fee on each occurrence. What should have been {$200.00} that remained in the account, taken out due to unusual activity that I immediately notified the bank to not process, instead resulted in a cascade effect in which not only is the {$200.00} gone, the account currently sits at a negative balance of {$610.00}, of which {$490.00} is solely due to XXXX and the bank attempting to collect the same {$9.00} and {$5.00} multiple times a day for multiple days, and then returning the payment and charging me, despite no permissions granted to do as much. Completely egregious and none of this should have ever happened

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 2015-03-29
Company: Synovus Bank
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. 
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. 
I reluctantly agreed and they said they would send me a final bill. 
It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I 'm paying on an auto loan that 's XXXX and the car is worth about XXXX and I been paying for about 2 years and the loan amount have n't dropped. Seem like it 's getting higher. The company employees is very rude, yes I 'm talking about Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RS Clark located in XXXX, TX was attempting to collect a debt that I was not aware was owed to a specialty clinic. I requested to have more detailed information of proof of debt since my father has the same name as me and was wondering if it belonged to my father or myself. While evaluating the documentation they provided they did not allow enough time for me to verify the debt with the specialty clinic so I went ahead and paid twice, one payment was mailed through regular mail, RS Clark claimed they did not receive, the second attempt of payment was made electronically with that RS Clark agreed that they would not report any derogatory information to the credit bureaus. RS Clark still went ahead and filed a derogatory collection information with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried numerous times to receive a monthly payment plan that was more suitable for my income and living expenses. They always tell me that I do not qualify and/or that there is nothing I can do to reduce my student loan payment. Because of this I have gone into default and received threatening letters stating my account would face legal issues if not dealt with properly. All I ask is that I can make a monthly payments that are manageable for me. If I can not afford to pay them, it is for a reason. They do not care and are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Years ago when I graduated college I was using sallie Mae and I defaulted on my loans because I was told I had Absolutely no other option. Now my credit SUFFERS an has suffered for YEARS! I can not sign for my own apartment or buy an apartment or refinance my loans ... I can do NOTHING They ask me to pay astronomical amounts knowing my income range and then all my payments go to interstate and do n't touch the balance. If anything my loans have increased the last 4 years even though I 've been paying XXXX $ a month!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Other

Complaint:
I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several " identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Bank of America ) wo n't tell me even which product they use to verify my identity. What do I do?

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 2015-03-26
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a complaint in XX/XX/XXXX from Midland Funding LLC assignee of XXXX Bank XXXX. I answered the complaint to state it was not me. The matter was dismissed. Again now in XX/XX/XXXX I have another complaint from Midland Funding LLC assignee of XXXX Bank XXXX. I had to spend money again to answer the complaint and I have to miss a day to spend it in court. I want them to stop sending me these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Mohela was my loan servicer for several years until XX/XX/XXXX/XX/XX/XXXX when I transferred to XXXX in anticipation of XXXX day filing for the XXXX XXXX ( PSLFP ). Upon reviewing my payment history with XXXX, I learned that Mohela had failed to put me on a standard ( " level '' ) PSLFP eligible XXXX repayment program in the summer of XXXX. This was despite the fact that I specified clearly in telephone calls with them that this was what I wanted and despite the fact that I had been only on other PSLFP eligible payment plans prior. Instead, Mohela, without my knowledge and understanding, apparently put me on a standard XXXX plan, which I did not realize until recently. ( This also begs the question - why would I want a XXXX month plan? ) As a result, XXXX informed me that none of the payments I had made since XX/XX/XXXX would likely count as qualifying payments for purposes of the PSLFP, since only XXXX term standard level payments plans qualify, in addition to XXXX, XXXX, and Pay As You Earn plans. 

In addition, at the same time ( summer XXXX ), Mohela failed to inform me that I was eligible for a payment plan with lower monthly payments ( either the Income Contingent Repayment plan or the amended Pay as You Earn plan ). This was despite the fact that I clearly specified in telephone calls with them that I wanted the PSLFP-eligible payment plan with the lowest monthly payments. Again, I only learned that a payment plan costing less per month should have been available to me once I was switched to XXXX. I estimate that this error on Mohela 's part cost me over {$3500.00} over the course of XXXX months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX of XXXX a mortgage broker and countrywide sold me a fraudulent loan prior to closing the broker explained the terms of the loan wold be 7.25 % interest and would adjust to 8.25 % later after closing I found out that the loan adjusted every 6 months to 14.75 % interest in XXXX of XXXX my house went into foreclosure do to the adjusting interest rate that I could not keep up with.

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 2017-03-23
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Paid Loan off, have letter. Another company Mohela is asking me to pay off loan, again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018, I applied on the Barclay website for an increased credit limit. I looked closely for any terms indicating a " hard pull ''. I submitted the request after no indication of a hard inquiry. Barclays said they did a hard inquiry.

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 2015-08-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An account with XXXX was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus 2 times, once as XXXX, once as their in-house collection division called Asset Acceptance. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2016-12-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Customer rep with HSBC confirmed I would not receive a fee, advised replacement card and checks would be mailed free of charge. I reached out again and the next rep confirmed she could not see any prior requests, could not tell if a card had been ordered, and was unable to fix the fee which was not my error that had previously been confirmed as waived, and was only able to advise checks are charged/not that my prior request was completed. I previously was transferred to a supervisor, but this time the rep, XXXX, refused. I am concerned with this lack of transparency, applying fees which have been confirmed as waived, and charging for some products when some reps feel like, but not when other reps confirm the products are free. A federal investigation into this transparency is required.

Company response to consumer: Closed with monetary relief