BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Once again I am putting a dispute in with CitiMortgage. I was assigned a specialist who I worked with to get a modification on house. I sent all documents that were asked for by specialist. I was told that account was under review with under writer but they still were trying to foreclose. I emailed specialist a few times over the next few weeks and did not get a response from specialist with any updates. Next I received a letter a few days before foreclosure sale date ( XXXX XXXX, 2015 ) with a new specialist assigned. The letter stated due to recent internal business change. Tried emailing new Specialist and did not get a response. Called into CitiMortgage and rep advised no one was working on my account due to last rep closing ticket. I advised them that I could not get in contact with Rep over past few weeks and now they claim I need all docs but I was under the impression that everything was in and I was waiting on outcome. They advised even though I did n't know anything about missing docs. It was nothing they could do. So I asked if they were going to foreclose on my house while knowing that I did n't know anything due to no contact from specialist with updates. They advised yes. I asked if I could record conversation and response was no. Please look into their practices. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Santander, Contacted me at work where I am not supposed to receive those kinds of calls and asked me about a vehicle that I have never owned in my life claiming that they were unaware that my name was not unique in the state. I finally got the person to understand that it was not my vehicle but the phone calls caused me severe stress and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Cornerstone Mediation LLC
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by this company on XX/XX/XXXX. I was told that this is regarding a debt with XXXX XXXX XXXX ( never heard of them ) for a payday loan for the amount of {$540.00} with an origination date of XX/XX/XXXX - but then after further inquiry, it appears that this loan may not have originated that date but that was the date it was due so the origination date may have been as much as two months before that date. 

The XXXX call was transferred to a guy ( not sure who that guy was ) and I told him that this " alleged loan '' was placed into a bank account that had been closed since XX/XX/XXXX so that this potentially was a fraud account they were handling. He told me that I needed to take it up with the court and hung up on me. 

After calling back, I asked to speak with a manager. I was transferred to XXXX. I explained to him the issue and he provided me with the information I requested. I asked for a debt validation letter to be mailed because if this turns out to be fraud, I have various avenues to pursue. His demeanor completely changed after that point, accusing me of threatening him. I told him I was n't threatening him but I was just stating a fact and trying to get information in writing. 

The information they have is all confused. The initial call ( on voicemail ) said that I needed to be available from XXXX-XXXX for the currier service from XXXX County to serve me with documents. Again, this is the first contact I have every had with this company. I asked him where he was going to mail the debt validation letter to, he provided me with an old ( 3 year old ) address. I asked him where they got XXXX County from. He said that is where the address is currently at ( the address he provided was in XXXX County ). 

I asked if he had contact information from the company they got the debt from ( he said it came from a collector ). He informed me he did n't have that information but it would be provided in the letter as he did n't have that information readily available. I also asked if he had contact information for XXXX XXXX. He said he did n't and had never heard of this company ( weird, right? ). 

I told him I would call back if I did n't have a debt validation letter in my email by XXXX tomorrow ( XX/XX/XXXX ). 

I am attaching a copy of my last bank statement from the XXXX account he is speaking of to show that it was closed on XX/XX/XXXX before the alleged deposit. This account had many fraudulent activities which is what it was closed and all other issues have been resolved accordingly.

Company response to consumer: Closed
Consumer complaint received 2015-04-22
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Another XXXX I lived in an apartment complex as a minor with a lease expiration near my XXXX birthday. I moved out and got my own place but my family remained in the unit. 

It was tax credit and under my uncle 's name so the kids could go finish and not change schools. Initially my mom applied and they told her her income was over the limit. She didnt even complete the application nor sign but they kept her application on file for 4 yrs with her social security number. 

When my uncle passed, my mom tried to finish off the lease payments but the new property management changes yearly and they said we had to move out because her income grossed too high. 

They went to court and the judge ordered the apts to return my mom 's rent money she had been paying since we were n't able to stay. They were trying to kick us out and keep month 's of rent at $ XXXX. 

Out of spite they ran bogus charges like {$100.00} to change a {$10.00} lock for example and many more until it added up to $ XXXX. They posted it to both my credit and mom 's credit history. 

I tried the credit bureaus to dispute and it 's been over 2 yrs and its still there. We got no 30-day dispute notification or anything. We found out by another apartment lease application. 

I called the original apt office who posted collections and got a new manager and she agreed to have it removed and send a letter to the new apts office but the leasing agent from before was still there and realized i was connected to that experience she had in court and squashed the resolution letter because of personal emotion that the judge sided with my mom in court. 

She was mad she had to return all the money and being a stickler for everything she could grab claws to and hadnt even verified the debt like requested but the credit bureau did not follow up like they were supposed to and kept extending them long grace periods for response which the creditor abused the system. 

When the lease ended I never signed anything to stay there. I had my own place. 

So here it is XXXX3 yrs later and i still have dispute under collections for my credit report. We spoke with other neighbors from the apt XXXX and they had similar experiences with XXXX kicking them out frivolously and posting to their credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX sent a towing company to contact us about a late payment. XXXX Towing came to my home on XXXX/XXXX/16 and banged on my door so loudly for a long length of time that it scared me. I was too scared to come to the door because of the nature of the banging and the repeated use of my doorbell for at least 10 minutes straight. It startled myself and my neighbors that my neighbor XXXX doors down from my home called the police to report the concern. I called my husband scared and before I could call the police, the neighbors had called because that is how loud they could hear the banging at my front door. The banging rattled my whole house and broke the alarm system off my front door and it was shattered in pieces on the floor when i went downstairs to check the front door. The side wall that is next to the front door is so badly damaged now from the nature of this Debt Collector 's banging and hitting my door. The police confirmed that they were concerned by the nature of this Debt Collector 's banging at my door and will patrol the area looking for this Towing Company to address their unethical collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a XXXX times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2017-02-07
Company: PNC Bank N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Lender has repeatedly missed its own deadlines to review my application to release cosigner. Pursuant to the terms of this private student loan ( bar loan ), loan is subject to co-signer release after 48 months of consecutive monthly payments. I have made these payments. On XX/XX/2017, I submitted a request for cosigner release and was informed that my request would be processed within 10 days. After these 10 days, rather than a substantive response to my request, I was provided with a blank application to fill out, which I did, notwithstanding the fact that it should not have taken 10 days simply to provide me with a blank application. Now, more than 10 business days have passed since I submitted the complete, signed application, and the lender has not responded to my application, even though they stated that all requests would be reviewed within 10 business days. PNC 's intransigence should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I put an XXXX iPhone 6 plus on layway for my daughter for {$710.00} at the XXXX store. I made several payments with cash and debt cards. After I completed all the payment and I received the phone. When I tried to activate the phone with my provider, XXXX informed me that the phone is locked under t-mobile. I returned the phone to XXXX for a refund. They said it would have to be replaced on a credit/debit card. I informed the manager the payments we made mostly with cash and there were different cards yused. He told me it did n't matter which card. I gave them a netspend card in which the total purchase amount was refunded to the card. In about 24 hours the refund posted. At that time netspend put a block on the total balance {$920.00} in the account instead of blocking or have the refund pending. I am truly outraged and I 'm infuriated. I have no access to any money. I call customer service to resolve the issue. It should be against the law for them to not allow me access for my funds that were in the account before the refund. I provided them receipts. It is as easy as making a phone call to get validation on the transaction. Now I have to pay a fine for court tonight @ XXXX but I have no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am an XXXX and my wife is an XXXX. I actually used to XXXX. We went homeless two years ago after my wife contracted XXXX and all our savings was used on copayments for care that ended up doing nothing. We live out of an RV. I can not get a bank in XXXX to open even the most basic checking account because I have no proof of a physical address. Can you assist? 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account at XXXX XXXX XXXX in XXXX Texas is paid in full and I have the cancelled check. The collection agency still reports the original amount due even after I disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-04
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
Last year I went through a time of fore bearance with my mortgage with XXXX XXXXXXXX XXXX. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that XXXX XXXX XXXX reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with XXXX for XXXX years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for XXXX years without me having any options. There have been several calls from representatives of XXXX to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: SC
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 have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2016-04-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. This information has been confirmed with the XXXX XXXX XXXX tax collector. We had never missed a tax payment since it 's a priority lien and we want to make sure that we are in compliance with the law. There was never a written documentation specifying that Chase will open and pay our property taxes just because we applied for loan modification, a loan modification that was never approved. We the clients strongly agree that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. We had never provided a written consent for it. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase has misrepresented the mortgage loan and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts '. The XXXX XXXX tax collection agency received in XXXX occassion double payments XXXX from us and XXXX from Chase and XXXX time the refund came to us and the other time it came back to Chase. We the borrowers are now looking for a settlement in regards to this mortgage loan and to release a lien on our property. During the market crisis Chase was not in the capacity to deal with a high demand on backout loans and they were not prepare to handle loan modifications for what they did whatever was convenience to them. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.

Company response to consumer: Closed with explanation