BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: NC
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 have been harassed by Midland Funding, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ), on and off for several years. On XXXX XXXX, 2012 I sent them a letter asking for validation of a debt they claim I owe. They never responded to me, but instead put the debt on my credit report as their own debt, with a falsified Open Date. 

I then sent them a letter demanding either proof of debt or removal from credit report. They ended up removing it. Now, XXXX years later I see it once again on my credit report. I am done talking to them, I now wish to file a public complaint and if they do not remove this from my credit files within XXXX days of today, I will file a lawsuit against Midland for several violations of the FDCPA over the last XXXX years. 

I have never had an account with Midland Funding, and do not appreciate them popping up on my credit files every few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX and my consumer ID number is XXXX, I had a bank of America account that was close XX/XX/2018. my information was reported to XXXX XXXX and now its effecting my ability to obtain other accounts from other business institutions. 
I have contacted Bank of America several times just to fine a solution and move forward, and I can't seem to be getting anywhere, because according to BOA customer rep, they can't give me any information over the phone that i should contact check system. when i did contacted XXXX XXXX, they didn't seem to have any information for me either. so at this point am confuse as to what will be the reason BOA will report anything to XXXX XXXX. 
All am asking of BANK of AMERICA, is to please Let me know what the real issue is so i can fix it and move on or remove what ever information they have on my credit report that is affecting my ability to do other business.

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 2015-12-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
THIS REPORT WITH SUPPORTING DOCUMENTS WILL BE ATTACHED. 
1. Since XXXX I paid my credit card bill each month soon after I received it. 
2. On XX/XX/2016 - around the time Citibank was transferring my credit card from the original XXXX Universal Card to the Citi Preferred Card - I paid my XX/XX/XXXX bill online. 
3. I printed Citibank 's receipt of my online payment. 
4. My bank XXXX XXXX XXXX never received a transaction request from Citibank. 
5. I was surprised to see my XX/XX/XXXX charges plus a late fee on my XX/XX/XXXX bill. 
6. I paid my XX/XX/XXXX and XX/XX/XXXX charges. 
7. I sent Citibank a copy of the receipt of my XX/XX/XXXX online payment. I noted that the glitch had to have occurred on their end, since it was around the time that they were processing a transfer of my card. 
8. I requested that they drop the late fee. 
9. Citibank refused my request. 
10. CITIBANK 'S POLICY IS TO BLAME ITS CUSTOMERS FOR CITIBANK 'S ERRORS! 
11. I closed my credit card account. 
12. I am receiving extraneous communications from Citibank.

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 2015-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE????????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After graduating high school, I wanted to pursue a career in XXXX or learn how to be a XXXX. I went to XXXX XXXX in XXXX to discuss my options with an admissions counselor. They made me feel as though I was unique and that they only let certain individuals with certain vision attend the school. I was accepted and felt great. I started attending classes after getting a cosigned loan. 

Shortly after attending classes it became clear to me that this was a scam. My teachers barely understood what they were teaching and would not answer my questions regarding job placement. The job placement conferences were laughable. They were not in any way applicable to what I was going to school for. Kiosks were set up by companies offering minimum wage to conduct work for hire that was not in anyway related to my subject of study. 

Often I had to teach myself XXXX and the functionality XXXX and ask if we were going to actually discuss the movies we were watching. I could 've rented these films or purchased them on my own without a loan and without wasting my evenings after work. 

Then I realized this loan was going to get very large over the course of 4 years. I started expressing my concerns to XXXX teacher who seemed unhappy with his job and whom I was able to talk to after the end of a class. He too was unhappy with the situation at the school and told me to get out, that I was catching on to something much larger than I knew, that I needed to leave before I had too much debt pile up. 

I decided to listen to his advice. This was in XXXX. It is now XXXX and although my loan has been paid on, on time, each month all this time, it is not going down, it is increasing. I have asked for settlements I have asked for loan forgiveness. Nothing is offered. The school, XXXX XXXX is officially closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
I have used American Express prepaid cards from XXXX for many years. I usually keep a few as I use them as gas cards when I purchase gas for my RV as we are retired and travel all the time. My AE prepaid cards quit working and AE said I had to fill out a " Who are you '' form on the internet before they would be reactivated. The form wanted my social security number on it so I questioned why a " Travel Agency '' needed my social security number at all. I protect my social security number as well as I can and only give it to institutions that really need it for financial reasons relating to the IRS. I probably have about {$3000.00} on these cards and I ca n't seem to get AE to tell me how to get MY money back from them. I have used these prepaid cards for years and have never had this problem before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I do n't exactly know how to reference this account. But I 'm having a problem with a credit reporting agency. XXXX XXXX XXXX XXXX, TX XXXX. I was inform that the company do not have to verify that the information that is reported on a consumer account to ensure that the information that is being reported is accurate. I forward a letter to XXXX that I received from the company regarding a dispute request removal, that the company sent to me. XXXX acknowledge that the letter was receive but did not removed the dispute. XXXX said that they opened a dispute regarding the company then sent a request to confirm the information. Once XXXX received the response from Midland the company this is in regards, said that I was disputing the information. I have the letter that I received from Midland acknowledging that I was not disputing the account and forward a copy to XXXX. But regardless of the letter that I recently received from Midland that clearly states the company acknowledge that I 'm not disputing the account. XXXX insist on reporting the information incorrectly. So, I have a complaint for both of the companies Midland Funding and XXXX Credit Reporting Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: General Motors Financial Company, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX. 
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late? 
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees? 
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late? 
- no, because we got the money from you. 

Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2015 I ordered XXXX diamond rings on XXXX XXXX XXXX # XXXX ) and decided to return them upon receipt ; I obtained a return authorization and XXXX supplied the pre-paid shipping label for the United Stated Postal Service. Next XXXX said the returned package was unsealed and open when they received it and the rings were removed from their individual ring boxes within the single return box. American Express worked with XXXX over the last year while the charge was in and out of dispute repeatedly. 

Last month XXXX suggested I file a claim with USPS and insisted tracking number XXXX was invalid. Again, I attempted to file a claim with the XXXX, but they said XXXX needs to file the claim since they paid for the shipping ; I do not understand why that would not be standard procedure when they receive an opened returned package with missing contents. XXXX did not entertain the USPS statement that the tracking number is correct and the returned package weighed XXXX pound on XXXX XXXX, 2015 when I gave the sealed box to the post-master for the return shipping ; the USPS does not accept unsealed packages for mailing, and XXXX said the package weighed XXXX pounds when they received it. I would greatly appreciate the USPS statement be supplied to XXXX, proving the rings were removed during the return shipping that they provided ; I have no other insurance and this is not eligible for the AMEX purchase protection. 

Thank you very much for your time and support!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was supposed to start making my car note payment on XXXX XXXX, 2016. I sent them online payment through my husband`s bank with the loan number on it 2 weeks early on XXXX XXXX, 2016 and it cleared the bank on XXXX XXXX, 2016. Few weeks later, I started getting calls from the company that I`m 21 days past due! I quickly called them back and told them that I even made my first payment 2 weeks early, so I should n't be past due. I later went with my husband to his bank and found out that the company returned the money to my husbands account on XXXX XXXX, 2016. I asked them why they did not inform me in writing that they returned the payment? They could not answer the question. I have also made the XXXX payment on time and I have agreed to resend the XXXX payment when I get money. The company has refused to stop saying that I`m 17 days past due, and has also refused to write me a letter of apology for sending my payment back without properly notifying me in writing. I was never late on any of my payment. I always pay ahead of due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have twice requested the number of days in each billing cycle since XXXX ( the begining of my loan ) until now XXXX please send hard copy and copy to this site.. 
I have made XXXX payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2008 I purchased a car that was finance with Santander Consumer I was making monthly payments until my bank account was compromised and I fell behind in my payments. I notify Santander, it took the bank some time to replace my funds in my account. Santander stated they was going to place me in collections, when the bank did replace my funds, again I notify Santander and informed them I was ready to pay all payment in the rear. Santander stated if I pay the total balance they would not put any derogatory information on my credit report. I kept my promise and paid them of, f but Santander did not keep their promise. 
In XXXX of this year I found out they did report my account as a charge off. When I called them and reminded them of their promise they change their report to paid after charge offI would like for Santander to keep their promise and remove all derogatory information on my credit report. They have their money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I am trying to report a violation of the fair credit reporting act perpetrated by Santander consumer usa. They have received a payment as of XXXX/XXXX/15 yet are continuing to report my account as delinquent. I spoke to a customer service manger XXXX XXXX whose explanation was that because this was an insurance payment it goes towards paying my balance and is n't considered a monthly payment but all my payments since XXXX have been insurance payments and my account has not been reported delinquent because it is n't delinquent. They have received payments well over the amount due. This is a direct violation of the fair credit reporting act. They have received payment yet are reporting my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took a car loan through Santander Consumer USA and it has been downhill from that day. My vehicle has been repossessed TWICE. The second time was all because of a {$1.00} short pay, which was the customer service agents fault. I called in to make a payment and they gave me the incorrect amount, I paid and a few days later I went to leave for work and my car was not in my driveway. I have been charged OUTRAGEOUS fees ... I 'm talking thousands of dollars. Now, after making XXXX payments of {$360.00}, my loan balance has n't budged! It is still the same from the day I got the vehicle. I have paid over {$4000.00} and according to Santander, it 's all going towards interest and that I still have an interest balance of over {$1000.00}. How is this even legal?? Not to mention they call 1-2 times DAILY, when you 're past due ... which is incredibly excessive. When I have called to complain about my payments not going to my balance I get the same robotic response telling me this interest is accruing DAILY and that is why it is so large. So basically, Santander feeds on those with low credit scores and then robs them blind. This car can never be paid off, EVER, because Santander keeps it 's customers from paying off their loans. They are doing this so they can continue to make money off interest and they are so quick to repossess and I believe they do this to make even more money. Please help us unfortunate enough to get stuck under Santander!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage used to be XXXX before it was sold to Carrington by XXXX XXXX XXXX. My mortgage went up to {$1200.00} claiming low escrow fund.. 6 months later, went up to {$1200.00} no explanation, I found that my insurance increased, so that was understandable. I am current, I went to pay my {$1200.00} XXXX XXXX payment, as per my statement.. Went online and says Mortgage due is {$1600.00}. A {$400.00} increase with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Gotham Collection Services Corp.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeated called by Portfolio Associates after changing my number XXXX times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You

Company response to consumer: Closed with non-monetary relief