BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA failed to properly notify me of the date and place of the sale of my repossessed vehicle or prove me a opportunity to purchase my vehicle back .Upon receipt of the notice of intent to sale Santander simply stated my vehicle will be sold before a specific date. When I contacted santander I was told I did n't have the right to personally appear at the auction and they are not required to tell me the date and place of the auction. I have communicated with Santander and have been told the repossession was legal and I had no right to purchase my car back outside of a direct transaction with Santander. I told them that my state requires them to notify me of the date and place of the auction in writing so that I can purchase my vehicle back. I was told to sue them. Attached was the only letters I received from Santander Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
This account was closed in XXXX XXXX. Recently, in XXXX XXXX, I received a bill, which stated that I owe {$120.00}. I have enclosed copies of the billing statements from XXXX XXXX, through XXXX XXXX. 

As you can see, prior to the closing of my account, the bill was always paid in full. It was in XXXX, and according to the information I received from Barclay 's, my account was closed effective XXXX XXXX, XXXX, after payment in full of the {$130.00}, which resulted in a zero balance on the account. 

Thereafter, in XXXX XXXX, after the account had been closed for a month, I received a statement, which had an automatic charge XXXX. 

First, I had cancelled my membership with XXXX, effective, XXXX XXXX, XXXX. 

Second, and more importantly, the credit card account had been closed on XXXX XXXX, XXXX, so the card should not have gone through for a XXXX XXXX charge. 

Therefore, the charge from XXXX for XXXX XXXX was disputed. When I contacted Barclay 's in XXXX XXXX, after receipt of the XXXX XXXX statement, regarding the disputed charge, I was told it would be looked into. For the next six XXXX months I checked the statements, which were received from Barclays. For each of the statement from XXXX XXXX, to XXXX XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Thereafter from XXXX XXXX, through XXXX XXXX, a full three ( 3 ) years after the credit card had been canceled and the account closed, effective XXXX XXXX, XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Now, over three years after the disputed charge was first brought to the attention of Barclays and over three years of receiving statements, which had " Minimum Payment Due '' was stated as " None '', there is a request for payment of {$120.00}, which includes service charges.

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 2015-09-16
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX I applied for a credit card with walmart because they were offering {$25.00} for applying for a credit card. I was approved and the sales clerk attempted to make firat charge on card ( even though it was never mentioned that you must make a purchase on the day approved to receive the {$25.00} ). I stood around an hour waiting for the cashier to figure out why my new card was not working. Eventually, we ended up using my debit card for the purchase. They made me call customer service to see why the card was not working. Upon calling it turns out the cashier inputted my drivers license information incorrectly. I was told that the customer service representative will notate my credit card account and if I did not see the {$25.00} on my first bill to call in. I called into walmart card center today XXXX and was informed that they can not give me the $ XXXXdue to the first purchase not being made on the date the card opened. I explained what happened and the representative said she could only file a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 I attempted to open up a XXXX XXXX XXXX account, so that I may close my XXXX XXXX XXXX account. While in an attempt to open this account I was denied by XXXX XXXX and sent an email stating I needed to reach out to CheckSystem in order to find out why I was declined. The first time I called I was given no information even after I provided my:1.SSN2. Address for the last 5 years3. Telephone NumberI was actually hung up on. I received my report on XXXX/XXXX/2015 and it is full of inaccuracies. I called ChecSystems back today XXXX/XXXX/2015 with no luck. 

My intention in calling was to find out 1. what information was used against me in my attempt to open a checking account with XXXX XXXX ( As stated in my Summary of Rights Under the FFCR Act ) and 2. To fix the inaccuracies listed in my report. 

upon calling the women that I spoke to collected information from me for approximately XXXX minutes and the result was : Sorry we could not find any information about XXXX XXXX. Further more when I asked the agent what negative marks on my fail may have resulted in my getting declined she stated " ChexSytems only provides reporting information to bank agencies, we can not provide you any further information '' This is frustrating because I have had XXXX for 9 years and I do n't know why I would n't be able to transfer banks. 

Also there are several inaccuracies on my report and the agent could not assist me with this either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Financial Management Solutions ( FMS Financial Solutions ) continues to be negligent in removing incorrect information about a false debt that it claimed was owed. While litigation was pending, it originally posted a false report about debt owed on my credit report, at the request of its client, XXXX XXXX XXXX. Moreover, it continues to be in violation of federal statute by posting false, and inaccurate data on my credit report. The posted this incorrect information through its employee, XXXX XXXX. 

FMS Financial Solutions posted this inaccurate information to my wife 's and my credit report, while a litigation was still pending. Since we last submitted our report to CFPB, FMS Financial Solutions has finally removed the false debt amount owed, after months of disputing their erroneous information. However, despite noting that no debt is owed, FMS Financial Solutions has failed to remove the dates that it claimed this false debt amount was owed and make the correction to no late payments. Currently on my credit report, it still lists that I had late payments from the months of XXXX XXXX to XXXX XXXX. This information is inaccurate, and therefore a violation of the Fair Debt Collections Act. 

As the evidence shows, after litigation with FMS Financial Solution 's client, XXXX XXXX XXXX, their client 's original claim of debt amount owed was rejected by the court, and we paid the court judgment of a different and lesser amount immediately, on the same date of judgment in XXXX XXXX. FMS Financial Solutions was negligent in correcting this information and has since reported incorrect information on our credit reports ( my wife 's and mine ). FMS Financial Solutions was wrong to post any alleged debt in the first place, while litigation was pending. 

FMS Financial Solutions is still in violation of the Fair Debt Collections Act in claiming false information on my credit report about alleged late payments ( between XXXX XXXX and XXXX XXXX ) on a false amount that was never owed, as the XXXX, XXXX XXXX XXXX XXXX was the only XXXX with authority to determine the actual amount. I repeat, FMS Financial Solutions is still currently in violation of federal law in posting inaccurate information to my credit report. 

We are still preparing our legal case against FMS Financial Solutions ( for any and all continuing damages resulting from its negligence ), and requesting CFPB take necessary action to have FMS Financial Solutions false report about late payments between XXXX XXXX and XXXX XXXX removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Lenderfi, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a refinance on our property in california. We were continually assured that the loan would be approved ( excellent credit and loads of equity ) We were required to pay for an appraisal ( {$510.00} ) and a subordination fee that had to be overnighted ( {$250.00} + {$50.00} ). After nearly 10 weeks on this loan and the mountain of paperwork we sent to them I called them only to find that they claimed we did not qualify. Their only explanation of debt to income did not make any sense. I have requested a further explanation to no avail. We want our upfront monies back and we want all the papers associated with this loan with a full explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
New York Community Bank ( NYCB ) " cancelled '' our refinance because they would not consider my husband 's source of income, XXXX XXXX XXXX, as a bona fide source of income. 

This is very confusing and difficult for me to understand ; as well as very confusing to my husband. How can his VA benefits not be a bona fide source of income and not be considered? This strikes me as some form of discrimination since my husband is a veteran and his only sources of income are that which the VA provides. 

We are reaching out to the Consumer Financial Protection Bureau ( CFPB ) because we are having a difficult time, wrapping our brain around what NYCB is doing, which is non-sensicall. We explained the following to the CFPB : Our current loan ( mentioned above ) which we are seeking to refinance from NYCB recently adjusted to a Fixed rate of 4.0 %, to include P & I, for a monthly mortgage payment of {$2200.00} approximately. 

We were seeking to refinance to a 20 year loan ( we have only 20 years left on our current loan and did not want to extend the term ) at 3.25 % for a monthly mortgage payment of {$2000.00}. 

In the close to eleven ( 11 ) years that we have carried XXXX ( XXXX ) loans with you, we have never been late on the loan, we have always paid extra to principal, we have maintained exemplary XXXX scores ; in other words, we have had a PERFECT relationship with NYCB and have met our financial obligations for over a decade. 

Now that we need to refinance because the cost of the mortgage as well as the interest rate has increased considerably, you, NYCB indicated that, 1 ) the appraisal came in low, which we agree it did since our home should have appraised close to $ XXXX to $ XXXX, rather than the $ XXXX. However, even if the appraisal is flawed, even at the $ XXXX, we are seeking only 80 % Loan to Value, which NYCB should be able to accommodate, and 2 ) NYCB is " throwing out '' close to XXXX/month in VA Benefits which serve to pay our mortgage, car payment, meals, utilities, etcetera. Why in the world this is not " income '' which you can consider is beyond us. 

Keep in mind that we also paid off considerable amount of debt as requested by NYCB in order to consider our refinance. Even after we paid off the debt which NYCB asked us to pay off, we still received an unsatisfactory decision. 

In a nutshell, we are going to convey to the CFPB that : NYCB concluded that we can manage paying $ XXXX at 4.0 % interest rate, but somehow, we can not manage paying $ XXXX at 3.25 %. In an alternate world, this would make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
XXXX gift card from Incomm. 
Had a {$25.00} gift card and with cash bought something for {$47.00}. Returned it to the store and the clerk accidentally put all {$47.00} back on gift card. XXXX froze the card saying it was more than {$25.00} and after calling XXXX or more times they are refusing to unlock the card. We ca n't speak with a manager. They are just stealing our money and there is nothing we can do. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I started a loan with Santander Consumer USA XX/XX/XXXX. My loan was for {$13000.00} with a {$2000.00} down payment ( {$1000.00} in cash and {$1000.00} trade in for my Dodge Durango ). My loan was for 72 months @ 22 % interest with final payment being around {$24000.00}. Each time I 've hit into a hardship due to loss of income they were asked to work with me. I 've always caught up payments that I 'd be behind on and each year at tax time I would pay what was owed plus extra so I could be a month or two ahead. I would be told yes it was showing that I was ahead but by the next payment due I would be told I was a month behind. XXXX XXXX they put my car as a charge off on my credit report with amount owed being {$9900.00}, XX/XX/XXXX they sent a repo company out to get my car. The repo company came and took my car out of my garage and refused to show me the repo papers they had ( illegal ). I paid over {$3000.00} to get my car back to have them send repo again XXXX/XXXX/XXXX from my work. Again this repo company would not show me papers. I paid {$1100.00} to get my car back and that company had the release papers for my car before they returned to their lot with my car yet they slim jimmed my driver door damaging my stripping to bag and tag my stuff ( they had release so why bag and tag my stuff? ). Car company said XXXX XXXX my payoff amount was at {$10000.00} yet XXXX/XXXX/XXXX my payoff is {$11000.00} ( how does amount go up if you pay on it? ). I have asked the company numerous times to refinance my loan so I could get a lower interest rate and payment so I could stay caught up, they told me they do n't do refinancing. I asked them to fix my credit report so it shows car is paid up to date and not a charge off and they told me they ca n't do that. If my car was charged off then how am I able to still pay on it and pay same account instead of paying a collection agency? I have paid {$18000.00} on a {$13000.00} loan amount financed with end payment being {$24000.00}. How can I still owe {$9900.00} on a loan that 's stated as a charge off at {$9900.00} when I should n't owe that amount? Company calls me 3-5 times a day everyday they do not receive a payment whether I 've talked to someone already or not and continue to until they get a payment. Notes are incorrectly put in or not put in it seems. I 'm so frustrated with this and I ca n't even get another company to refinance my car due to what Santander has done to my credit report. I would love more than anything for Santander Consumer USA to send me the title to my car and fix my credit report stating paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Synovus Bank
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Green Square Company LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call at work by a debt collection agency, the person did not identify themselves. They launched right in to saying that I owed this debt and I needed to pay and if I did n't they could garnish my wages and would file a judgement against me. This is the XXXX time they called and I have previously told them I can not take personal calls at work. They claim to be collecting a debt by XXXX XXXX and he gave me an ID # and phone number to call back. He also stated that he had my social security number and bank account number and my work number was the only number they had to contact me at. Well if they have that much information my work number is not the only way they can contact me. I know my rights and I know they are violating the FDCPA. The person on the phone did n't even identify themselves by name or company, they just expected me to pay or were going to file a judgement and garnish my wages. I called the number he gave me after hours and the name of the company according to the automated system was Premier Recovery Group.

Company response to consumer: Closed
Consumer complaint received 2016-08-19
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: FinCo Services Inc DBA Current
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been having my direct deposit from work deposited into a bank checking account the bank name is CURRENT CHECKING for the last 3 months with no problems up until XX/XX/2021 when I tried to reach them several time 's by phone and email trying to inform them that needed to update my new mobile phone number for my account banking account because I couldn't access it in app or online do to there security recovery verification essentially sending a text message to my device with a code to authorize me as the account holder so essentially I can not get into my account with new number XXXX called the toll free customer service number on back of card and to find out you can not reach out to a live surrport agent the whole system is automated with different account options mind you there are 5 different automated categories ultimately all redirecting you to the mobile app online for surrport with absolutely no options to be connected to a live person so I go online to the mobile app current and we'll obviously I can't sing in due to technical difficulties so I stroll down page to find contact and support I click it sends me to email surrport so I fill out the report for what I needed help with along with all of my credentials then email couple minutes later get email from surrport current banking in mind you all automated emails referring back to same questions and about how to recover account back to back I've gotten 2 of same emails from there surrport team both of referring back to the recovery process like they weren't processing my account information I was informing them of in emails at not one point in either emails did they acknowledge my presence and ultimately I can not get a hold of a live agent outside of the app unless I'm signed into my account and I can't touch any of my money move it around or even cancel my card to have new one sent out I have emails I've provided as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TX
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:
first of, I am a member of the military and I have made numerous attempts to get the 3 credit bureaus to fix the inaccuracies on my credit report. The latest is a certifed mail to all 3 bureaus dated on XX/XX/2021. Instead of addressing my FRCA and HIPPA rights as a comsumer, EQUIFAX decided not to investigate and send me the attached letter accusing me of not doing my own credit repair. I am here to tell you and all 3 credit bureaus that I have spent numerous hours researching in order to be a better consumer. I FIX MY OWN CREDIT AND NOONE HAS HELP ME. Please direct EQUIFAX to do its job and to stop Equifax of falsely accusing me of hiring anyone to repair my credit. I have not. See Equifax letter to me calling me a liar. Hopefully I wont need a lawyer with your help in keep these big reporting companies in line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
A 40 year old mortgage has not been satisfied in the Recorder of Deeds office. 
The lender asked for a title search and copy of the mortgage to be mailed to them. 
After over 3 weeks the lender states that they have not received the request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
On XX/XX/XXXX, Midland Credit Management called the main line at my office, asking to speak with me, and tried to collect on the debt. I summarized the event in an email to MCM. Please review the email for a detailed account. Also, I submitted the complaint to MCM in email to XXXX and through MCM 's online complaint system. I have not received a response. However, I have not received another collections call at work.

Company response to consumer: Closed with explanation