BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit card is  the Gold c ard fr om Barclay.      i am a military member and the know this. when i signed up  XXXX   XXXX  for the card it was a 0 % apr and the annual fee were waived for the duration that you are  XXXX   XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment (  XXXX   XXXX   )  the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about.  Barclay knows that i am  on deployment since  XXXX   XXXX  to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that  XXXX   XXXX  my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may  become an issue for me, I called barclay as soon as i could which was in  XXXX   XXXX  over a month later. they informed me that they had changed their policy and that was it, there is no way to get back.     I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have  XXXX  officers i  deployed with  who were only given less then 2 months by the time they received the notice.  XXXX  of them never saw the letter because he is single and does not have anyone read his mail while he is  deployed. h e was forced to call the company and found out a few days before he was to be charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is an issue with Santander Consumer ( auto lender ) who is constantly reporting a negative balance of XXXX that has been charged off. I 've paid the full principle balance of the loan. There was a dispute concerning late fee, but Santander never provided any documentation justifying any fee 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX the circumstances at the time, I had to trade cars. The dealer got my loan with Santander. the payments and interest were high but at do the time I could not do anything else. I have paid my payments but most of the money is going to interest. My son co-signed for me, but in XX/XX/XXXX, he had to file bankruptsy Somehow my car was in the middle of this and was told more than one thing. at first I was told my care was included, then it was n't, but Santander would not tell me anything about my loan, did not get statements, etc. I was to just make my payments to them. XX/XX/XXXX I made over {$2000.00} to get the payments caught up from where I was told I my care was part in bankruptsy. Santander took {$130.00} {$1300.00}. for interest. Now I just got a letter saying I need {$3400.00}. or they will get my car. I asked for a printout of my account, which they did not want to do, but finally did. That is when I saw that I owe more now than I I did a year ago. I do n't have {$3400.00} to give them by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: World Recovery Service, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
World Recovery Service  ( WRS ) collected on a debt that I had back in  XXXX  of  XXXX . I received a letter from WRS that states that the account in question was paid in full. In  XXXX   XXXX  I received a phone call from a lawyers office stating that the original creditor was taking me to court because I did not pay my debt. I explained that I did pay my debt and that it was paid to WRS and they sent me a letter proving that my debt had been paid in full. The person told me that they had a string of debt collection agencies that had the debt after WRS. This means that WRS collected the debt but did not report it properly and allowed the debt account to be sold off to another company to collect on. WRS received money from me to pay of my debt and from another collection agency when they sold the debt to them to be collected on. I 'm not sure if this is just a mistake or if this is a trend with their business. I would like for someone other than the business itself to look into this matter to determine if they are failing to report payments they collect purposely and getting paid twice or if this was a one time error.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I rented a car from     XXXX   XXXX   XXXX   o n XX/XX/XXXX . I e xtended the ren tal three  times over the cours e of four  weeks. I extended my rental on three separate occasions. Each time I extended my rental I was told by  XXXX  they would be putting a hold on my account that would be applied to my final balance when I returned the car. I checked on my account i saw the holds that were applied each week. However when I returned the car there was insufficient funds in the account. Therefore my account was overdrawn by approximately {$650.00}. I called  XXXX  to see why the hold on my account were not applied to the bill. I was told my bank had to release the funds. I check my account the holds were no longer showing. I wen t to two s eparate Chase branches and I was told there was never any holds on my account, there is nothing they can do and I need to be more careful with my money. I called  XXXX  while in the bank and they gave my the dates and amounts of the holds.  XXXX  also told me if I had chase call they would give them the authorization code to release the the holds but the associates at  Chase r efused. The  XXXX  holds were  on  XX/XX/XXXX  for {$260.00},  XX/XX/XXXX  for {$270.00} and XX/XX/XXXX  {$220.00} totaling {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing in regards to my account which was recently transferred to Huntington Mortgage Co. I was not notified prior to the transfer and my loan was on auto pay prior. Since I was unaware of the transfer I couldn't make sure to transfer the autopay. I was only made aware once my account went delinquent in XX/XX/2021. I made the payment immediately and set the autopay up so this does not happen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
US Bank is knowingly and intentionally, providing miss-information to run up an accumulate late fees. Every time a called in to make a payment I was being told that there was not late fee due. Now at the end of the contract, I am being billed a total sum of late charges as part of " termination charges '' along with a termination fee. I believe this to be a calculated process to increase fee income and is unfair to consumers and fraudulent. At no time was I ever billed or asked to pay a late charge during the life of the loan.

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 2017-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  Experian and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after sub mit Dispute and Inquiry sto p going into my credit report.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX ,   XXXX   and Transunion. I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry sto p going into my credit report.

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 2015-06-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the executor to XXXX ( deceased ) estate in XXXX, Alabama. A part of the estate is a house located at XXXX XXXX XXXX, XXXX, Alabama. The house had gone into foreclosure even though my niece was making payments. My sister 's will was never probated by the attorney to transfer the property to her daughter. Automatic deductions were made from her account up until XX/XX/XXXX Without any discussion or notice, Chase Manhattan stopped accepting automatic deductions after XX/XX/XXXX. In XX/XX/XXXX mortgage payments were made by money orders by her daughter. Chase Manhattan never returned the money orders or contacted my niece to inform her if there were any problems. 
In mid XXXX a notice was placed on the door of the property from Chase Manhattan stating the property was in foreclosure. We contacted Chase Manhattan with our attorney in XX/XX/XXXX to discuss and determine what transpired and what we needed to do to resolve the foreclosure matter. After our attorney had a discussion with CM, we were told by Chase that certain fees had to be paid in order to remove the property from foreclosure and transfer the property to the heir. We paid {$2600.00}, the amount Chase said was required to make the mortgage current and cover fees associated with the foreclosure. We also provided the necessary documents, death certificate, will etc. that Chase required to change the name on the mortgage. We were told by Chase Manhattan that ownership would be transferred and my niece could continue making payments. We received another notice in late XXXX that the property was in foreclosure and XXXX XXXX owned the property. XXXX XXXX had hired a law firm to manage the foreclosure. It stated that XXXX XXXX now owns the property and any occupants would be paid a certain amount to vacate the property by a certain date. The family was totally shocked and in disbelief that this was happening. Particularly after working the attorney and Chase Manhattan to resolve the situation. 
The actions taken by Chase Manhattan and XXXX XXXX are unscrupulous, unwarranted, and illegal. The family request that the foreclosure be reversed and property transferred to the heir without any additional fees. I would also like for Chase Manhattan and XXXX XXXX to be held accountable for their illegal and unscrupulous actions. The family has sunk XXXX of dollars into the upkeep of the property. We desire to keep the property in the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Navient Solutions, LLC.
State: FL
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 cosigned a loan for a nephew which he defaulted on. I agreed to pay XXXX XXXX $ XXXX and have paid between $ 48- {$100.00} per month since XXXX 2010. When they switched their name to Navient they were no longer honoring our agreement and kept calling me daily to try to get me to bring the loan up to date for {$390.00} that I did n't have. They kept threatening to send my loan to a collector. I continued to pay monthly and send extra whenever I could. Last month my father was very ill and died on XXXX XXXX - I forgot to send them the XXXX} but on XXXX XXXX when I remembered I sent them {$100.00}. On XXXX XXXX I received a letter from a debt collector which was dated XXXX XXXX. The original agreement I had with XXXX XXXX was that I would send payment on the XXXX of the month, therefore my payment was n't even a month late. They did not send me a notice. Can they do this to me? I have been paying since 2010 consistently and did not give them any reason to think that I was not going to finish paying for my nephew 's loan. Also, my nephew had another loan that I did not cosign and he told me that he sent various payments and asked XXXX XXXX to apply it to the loan where I had cosigned. They also on several occasions applied some of my payments to the wrong loan. I asked them to send me a full accounting but they refused to send me any information on any payments my nephew made. Do I have the right to audit the XXXX accounts and should n't there be some protection for cosigners so that if the original borrower does make payments that it should go towards the loan that has a cosigner on it before going to the loan that is only under the original borrower 's loan? Please help me, this is n't even my own child and these people have been incredible rude to me. Calling me every single day when I was paying what they agreed I would pay every single month for the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.

Company response to consumer: Closed with explanation