BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Thaxton Investment Corporation
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After a Discharged Chapter XXXX Bankruptcy I sent a certified letter to Covington Credit, XXXX XXXX and received a call from XXXX XXXX XXXX with Southern Management Corp, XXXX XXXX a parent company of them. My letter was about fixing my XXXX credit line from Covington Credit after I discharged a Chapter XXXX Bankruptcy with that account. He informed me in XXXX 2014 it would be fixed. After XXXX XXXX credit disputes over 12 months the information was changed to a Charge Off, with month to month reporting, and Major Dispute entry after bankruptcy protection was established. This information is all incorrect or should not be reporting. I have dispute answers from them through XXXX, I recorded my conversation with XXXX XXXX in XXXX 2014, and have copies of letter sent with return signature receipt.

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 2016-12-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with Ace cash express for {$2500.00} and agreed to pay biweekly payments of {$270.00}. I made enough payments to have paid off the {$2500.00} but of course with the interest in was being charged I was barely paying towards the principal. I felt into a financial issues and could n't afford to pay the biweekly payments set at {$270.00} and so I contacted them to set up arrangements to continue to pay them. I asked them to stop and or discontinue any automatic payments from my bank account and yet they continued to go into my account despite my request. When I called them can supervisor XXXX stated that the representative failed to document such request but that anyways I had an obligation either them and they could and had the right to go into my account to get the money. This upset me tremendously because I felt as if my rights as a consumer were being disrespect just because I felt into a hardship and could n't pay. Please help xoxo they call me 5 times a day and I am XXXX and they have continously continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late. 
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan. 
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD?? 
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Using a debit or ATM card

Complaint:
Approximately a half hour ago I visited a US Bank ATM/branch inside a XXXX grocery store. I left my debit card in the ATM slot too long and it ate my card. I immediately looked went to the teller who advised me to get my ID out. He retrieved the card, noticed I am not a US Bank customer, and advised that " by law '' they could not give me my card unless I am a customer. 

XXXX XXXX the branch assistant manager ( XXXXXXXXXXXX ) advised that this us because they do not know why it ate the card ( he was looking right at it ). He said it could be fraud or anything and even though Inhave an ID he wouldnt know the reason. I asked if he would know the reason if I were a US Bank customer. He said he would. Which also does not make sense to me. 

XXXX advised that he can assure they would destroy my card for me. 

Branch XXXX XXXX Assistant Branch ManagerWhy can he stand there and keep what is mine when literally a minute prior the ATM took my card and I have a drivers license? Why can he return the card if I were a USBank customer but not otherwise? What " law '' states that he can not return my card to me because he does not know why the ATM ate it, though apparently the " law '' allows him to if I were their customer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: CA
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:
I have a student loan for my daughter since XX/XX/XXXX and initially it was serviced by XXXX XXXX and then later transferred over to Navient. The loan had an original interest rate of XXXX % and when i consolidated the XXXX loans the rate was reduced to XXXX % while my payment amount of {$380.00} did not change. Recently I questioned Navient representative regarding the loan payoff and was told that my loan loan will be paid off much earlier than the original payoff year of XX/XX/XXXX. When I checked on line the payoff year was still XX/XX/XXXX. I questioned this and delayed my payment due last month by about XXXX days. With this delay in payment Navient increased the interest rate up to XXXX %. When I questioned this was told that I did live up to my commitment and as such the interest rate has been increased to XXXX %. Navient still continues to dodge the question of payoff year and how the loan is amortized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a Golden  1 Credit Union  Bank I had returned a smartphone back to  XXXX  last year and the manger from  XXXX  out of a  XXXX   XXXX  store did the return he was the  manger  and I was giving a recite for the phone and then I went to the bank to get the money for the phone to pay the bills and well the following week I noticed that my checking account was closed and I was not able too reopen it due to it going in to   XXXX   XXXX   XXXX   and well I get SSI and was only ever given a week at the beginning of month to deposit the money to the account and I had the paperwork saying I was only charged for one phone and paperwork for refund for  one  phone and for some reason they took  XXXX  dollars from me and I have banked with them for 6 years and I have been Paid the same for the whole time and the decided to only allow me  one  week so sad when I retur n one phone get recite for one phone and they charged me for three p hones.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: Gitsit Solutions, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with Kondaur Capital Corp. I have been tryin to get a payoff on my home since XXXX 2015. My daughter XXXX XXXX have contacted then as well. We have spoken to XXXX in which she refuses to call back or send my payoff on my home. We have spoken to her Manager XXXX XXXX several times and he never returns call nor has he sent my payoff on my home. I also left message for XXXX XXXX he has not returned my calls either. I have been asking for a payoff so I can pay my home off while I have the money. The second mortgage company XXXX XXXX. cant give me a settlement on my home lien because Kondaur refuses to send me a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: FIRST GUARANTY MORTGAGE CORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
To who it may concern, Loan officer pulled credit report from all three credit breaus. The simple fact is it happened without my acknowledge and I made it clear from beginning I do n't want the credit report pulled. I made it very clear from the beginning of my conversation that I do not want to pull my credit before I am ready to do the refinance with the loan officer. I expressed it in writing by text message ( see attached screenshot ). 

I have contacted loan officer 's branch manger and he refuse to resolve the issue. 

Thanks for assisting with this matter and I look forward to hearing from you soon.

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 2018-05-27
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from  XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender. 

I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account. 

My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit. 

Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name. 

As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree. 

The account # is XXXX. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 2015-05-27
Company: Brock & Scott, PLLC
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
WelI have been trying to get a mortgage loan modification since XXXX of XX/XX/2013 on my XXXX mortgage, from the same lender and I have not gotten anywhere with this lender I keep sending in information every XXXX days because they tell me to fill out a application every XXXX days.It has been absolutely mind boggling why they keep stalling me for this long, I know they receive money for each time I fill out this application for modification loan. XXXX dollars I keep talking to different people every time I call, I have requested for a manager or supervisor to contact me that never happened, I 've ask for a new representative XXXX different times now and they all react the same way do n't communicate you have to continually call them my account has gotten to about XXXX dollars behind now. I was told to file a complaint against this company for all the stress that they are taking me through concerning this loan my wife is not making the money we used to make an so we ca n't pay the amount that they are asking us to pay and so we had a modification for our XXXX loan through usbank, and now it seems as though they wish not or want to string this XXXX modification out for as long as they can and its just not right I have filed a complaint with usbank escalation dept. and I was sent a letter from usbank and was told that if I filled out another application that they would escalate the process that was XXXX again XXXX months ago I have not heard anything at all I have had it with usbank!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.

Company response to consumer: Closed with explanation