BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The account XXXX do not belong to me. This account was removed from my credit file XXXX/XXXX/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. 
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub. 
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days. 
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it. 
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check. 
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened up a Macy 's credit card in XXXX XXXX. I did n't get a bill in XXXX XXXX and called the credit card to talk about the reason and the payment. Through arguments, they agreed to provide an adjustment. At that time i requested the credit card to be closed based on my bad experience. several month later in XXXX i receive a bill from Macy 's of interest on XXXX balance and late fees for the interest that are unexplainable and my credit card was never closed back in XXXX per my requests.

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 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed

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 2016-07-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was financiacing a XXXX XXXX XXXX from Santader Bank. On XXXX XXXX, XXXX my car was repossessed from my back yard. Initially, the agent scared me because they banged on my door with badges out as if I 'd violated the law. I was afraid and did n't think they were police officers. I contacted XXXX. They came and by that time I realized that they were doing a repossession because the car was being dragged out of the alley way. I called Santanders Hotline to find out how far behind my payments were I was informed that I was 62 days late. The following day I contacted customer service. I was told that if a payment would 've been made on the XXXX there would n't have been s repossession. I asked why did n't I receive a letter or a phone call regarding ways I could avoid repossession. The customer service representative informed me that I requested to be placed on a do not call list. I HAVE NEVER MADE THAT TYPE OF REQUEST!!!!! I asked the bank to please provided proof in a copy of a letter or my recorded voice on a phone conversation. I regulated to have a supervisor contact me about the repossession. No response! On XXXX XXXX I contacted the bank again in hopes to speak to a supervisor about my issues. I also requested the exact amount needed to obtain my vehicle, that 's when I was informed that the vehicle had been sold at an auction on XXXX XXXX. They did not write me to tell me how many days I had to obtain the vehicle before an auction date. The customer representative then informed me that they called me on XXXX XXXX and XXXX. I informed them that the previous representative informed me that I requested to be placed on a Do Not Call list which contradicts her story about the company calling me to offer assistance or options to avoid repossession. I was then informed about where my personal belonging were but they were already thrown away. I still have not received notification of the sale and or the amount that the vehicle was sold for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I never went in and signed any paperwork to start this account. Everything was done online. Once I realized that they had opened the account I ask them to close the account because my job did not offer direct deposit and they never did close it so the fees for not having direct deposit added up and now they are saying its my fault. I ask them to close it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a XXXX Dodge Journey from XXXX XXXX XXXX in XXXX. The dealer charged me XXXX dollars for the car with 29.95 % interest which means XXXX dollars for 72 months in terms. The monthly payment was XXXX dollars .When I found out in the market the real value of this SUV was XXXX dollars, I called them to let them know the contract was overpriced.They told me the federal regulations allowed me to bring the car back after 48 hours.After two months I could n't afford to make a payment, they took the car and sent my name to the credit agencies.Few months after they called me and made an arrangement for a settlement. The settlement was XXXX dollars to pay off. I did pay that XXXX dollars but I still have negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: NEW YORK COMMUNITY BANK
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a water loss at our home XX/XX/2016. XXXX XXXX immediately mailed a check based on the estimate for repairs, {$18000.00} XX/XX/XXXX. Had to send check to NYCB to get an endorsement. Work was completed in early XXXX 2016. Sent final bill and other requested paperwork to NYCB. They released {$5000.00} of the funds and stated they needed an inspection to make sure the work was done satisfactorily. Inspection ordered XXXX XXXX. After weeks of not hearing from anyone regarding the inspection and numerous phone calls to NYCB, an inspection was finally performed XXXX XXXX, six weeks after the request. Meanwhile, the contractor needs to be paid and we need to pay for rugs and carpet that was ordered. No, NYCB continues to hold our money hostage now claiming that the inspection was incomplete and they need to schedule another one. I do not have another six weeks to have an inspection done. Granted, this is a {$350000.00} mortgage on a $ XXXX house so it is not like they are not going to ever recoup their money if something were to happen to the house. It is a scam NYCB is running by pooling insurance claim funds, earning interest on these funds while holding their mortgagee funds hostage claiming that they need more paperwork, inspections etc ... At my wits end. Please help and beware of NYCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Loan Science, LLC
State: NJ
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:
My XXXX student loan was in forbearance which has ended with my next payment due on XX/XX/2017 at {$820.00} I called to explain I can not afford this payment several times and was told I have to wait until after I miss payments to call Loan Science who handles the billing. I called Loan Science on XX/XX/2017 to question the payment amount and I was told that this includes late fees, I have not been late the loan was in forbearance but because this company does n't immediately put a loan into forbearance it accrues late fees. I find this absurd and question how this can be legal? The also informed me that they do not have any repayment plans available and I need to pay the {$820.00} on due date or I will be charged a late fee and next month my payment will be {$650.00} which is also an absurd amount to think someone can pay. I want to file a complaint against loan science for purposely and knowingly keeping me in debt by refusing to work with me based on what I can afford and also by tagging on late fees when a loan is under heir control for forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX. 
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid already upon a car accident that happen in 2010, and this is the first time I have heard anything about this money they said I own.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ad Astra Recovery Services Inc
State: AL
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 WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a payment of $ XXXX over the phone for my XXXX payment. However as of XXXX XXXX, the payment has not been posted. Chrysler Capital claims that the payment was made on XXXX XXXX and because of the holiday, the payment is delayed in posting. I am now 31 days late and now do for XXXX. I have reason to believe that because I called and was upset, Chrysler Capital is being vindictive and delaying payment processing. I believe that this is a form of harassment, that is a violation of the FDCPA. The payment has cleared my bank, and Chrysler Capital admits that the payment is there. They just refuse to post it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AD ASTRA RECOVERY SERVICES contacted me and said I had a loan with XXXX XXXX. I told them I did n't and to send me verifiable proof that I had a account I knew they would n't be able to because this was Identity Theft. They said they could n't provide any information on the account. I spoke with fraud dept, called repeatedly, sent affidavant and proof of theft by authorities. After all that trouble they reported collection accounts to all three bureaus. They refuse to delete the untrue information I have disputed with bureaus but they still remain on reports. This company deliberately harmed me by reporting untrue information damaging my credit.They need to fix it .Identity Theft is bad enough without ASTRA trying to damage my credit for something I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Clear Debt Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company called me XXXX XXXX, 2016 regarding a debt that I have no knowledge of. I have never heard of the company and the man was harrassing and said I must file a police report. I stated no I did not have to do anything, but by FDCPA they were required to send me a notice in writing regarding this alleged debt. They have the incorrect employer, bank account and email address that they stated they have on file for me. I was transferred to a supposed manager and he was threatening to me and harrassing when I asked repeatedly for their mailing address. He asked for what? I stated to mail correspondence. He then went on and said, let 's see, we are going to find out what property you have and take a lien against it and we are going to charge you with fraud and I stated again please provide me with your mailing address. After several attempts he finally provided it to me. This company is not licensed to do business in my state and they are trying to use illegal tactics to get people to pay debts that do not belong to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Unity Asset Management
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received a voicemail today from a XXXX XXXX : Yes ________ _________ my name is XXXX XXXX I'm calling with the office ___ __ I'm contacting you today in regards to information received for a client they want us to make yourself or legal representative or the matter and also get your XXXX prior to them moving forward if either of you can reach you back from you today my phone number is XXXX number is XXXX and your claim over XXXX again this is a time sensitive matter so please make sure we hear back from either of you immediately today I found that it was a company from Unity Asset Management. I didnt receive the voicemail until XXXX and called to receive information about debt since they said they were a collection agency ( through the website ). I pressed zero to talk to a representative ( their website claims they are open from XXXX to XXXX ) and it did not lead me to ANY representative except XXXX XXXX XXXX I called numerous numbers from the website ( XXXX, XXXX ) and the one listed in the voicemail and they all lead to the same person XXXX XXXX. This seems to be the recurring thing with her and being contacted by a XXXX XXXX and so forth. I have NOT recieved a piece of paper from this agency or have been made aware that I would need a legal representative. I will not know until they call again it seems.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation