BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony Bank closed my account because they claim I dishonored a payment. 
As a follow up to their letter dated XXXX XXXX and XXXX XXXX and in response to my request for proof of return, I am disputing their account as follows : 1. As you can see from my attached statement closing balance, my account had been overpaid by over a hundred dollars ( which has not been returned to me as at today ). 
2. My prior closing balance was also paid in full and I made payments totaling {$1000.00} in this billing cycle, some of which were made in cash. 
3. They claim this transaction occurred on XX/XX/XXXX but I made multiple transactions after this date and made payments ( all attached ). 
4. My bank does not show a return payment as I had funds available ( statement attached that show available funds for the date in question ) 5. As their agent indicated over the phone, I am not worth the business because I do not carry balances and therefore do not pay interest. This, I believe is the reason my account was closed. 
6. I am requesting that proof be submitted of the return payment. Ironically, the bank I paid from is linked with Walmart as the statement indicates.

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 2015-09-14
Company: Data and Contact Management Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother, age XXXX, was contacted by DCM Services and informed they were trying to collect on a hospital bill regarding my deceased father. They told her she needed to agree to arbitration to settle the debt. 

They claim to be licensed in the state of Minnesota, but when I went to the Minnesota Department of Commerce and did a search for them using their name and license #, the portal could not locate them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have made multiple payments on a payday loan that I took with Big Picture Oans out for {$700.00}. Since I 've been paying none of the money has went toward the loan or fees, it 's only been going towards interest which does n't lower the amount that 's owed. The interest rate is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. 
This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. 
My customer number with NRA is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt belongs to the father of this child, court order stipulates father is owner of debt. This was put under the wrong guardian.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: MEI AUTO FINANCE INC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Called threatening to pick my vehicle. Told me I need to make someone loan money in order to become current. 

Did not ask me no information. Told my information to a family member that called from my phone number. Did not ask any info to verify if it was myself. 

These people are very very very rude and not professional. 
MEI AUTO FINANCE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: M&T BANK CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear XXXX, - XX/XX/2016 I made a mobile deposit of a check of the amount of {$1900.00}. ( see attached copy XXXX The check is made to my older brother XXXX and was properly endorsed before it was deposited in my Account at M & T bank. 

-XX/XX/2016 funds were made available into my account total {$190000.00} -I then proceeded to write a check for the deposit for my apartment for the amount of {$1100.00} XX/XX/2016 at XXXX am, I received a call from the branch stating that the check was declined. 
I went to the branch who then explained to me that the check was presented before the funds were available, the branch then issued me a certified check in the amount of {$110000.00} I was then on my way to the rental office when the bank teller who provided me with the check called and said that I needed to return the certified check and that her XXXX posted a " hold " on my account stating that she needed clarification as to where the check was from and the needed to hear he story about the check. 

I called my brother who went with me to the branch, not only did he take his ID, he took the check to show the Branch XXXX : XXXX XXXX XXXX XXXX Vice President Senior Branch XXXX XXXX XXXXXXXXXXXX The Branch XXXX proceeded to embarrass us by speaking rudely " I need to see your ID immediately, I need to hear you say out loud that you wont deposit this check " " you need to sign on a piece of paper so I can see that it 's your signature " She repeatedly kept saying this to my brother who stayed calm and complied ... 
XXXX then continued to say that she does not know or ever heard of my brother employer ( diamond resorts international, a multi XXXX dollars publicly traded company btw ). in an effort to make her feel comfortable my brother said that he undertands how regulated her business is and that he himself had worked over a decade on XXXX ad she could google him and see that he is who he is. 

XXXX XXXX then said " fine ill release your money on saturday XXXX '' XXXX minutes later around XXXX PM XXXX called me and in her continued extremely rude tone told me that " I just googled your friend, and I dont like what I see here '', and continued to read all kinds of irrelevant private information the she said. 
" I am not going to release this money, I 'm going to hold on to it for another week so I can call my XXXX department and you will get it whenever I 'm done with my own investigation '' This is nothing more than XXXX profiling, as a result of this unprofessional woman I ca n't pay any of my bills, I lost my house and all the money I spent in the process and worst is that my money is being held XXXX .. 

I need my money back as well as compensation for all the monies I lost in the process a total of {$500.00} sincerely, XXXX

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 2015-11-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX my son went to XXXX and traded in his XXXX XXXX XXXX, and was financed a XXXX XXXX XXXX, they over charged him and his interest rate was 25 %. I thought that was way too high and illegal. His car note is {$430.00} monthly. He ca n't get out of this car because everyone is telling him he is upside down, now this is why I am contacting you because of the issues we are having with this car, and we also tried to refinance, but our credit union will not do it. I feel that XXXX seen my son as a young XXXX year old coming in there and they went to work on him, they gave him a high interest rate, and now he is stuck with high monthly payments for the next 72 months. Please help my son with whatever can be done. I do n't feel good about this at all, I really think XXXX just was looking for a commission and not helping him at all, nor was they at all in his best interest. He is a first time buyer ( being finance ) his credit is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a letter stating I had been overcharged one full payment for my auto loan. Santander USA has refused to issue my refund, stating I am not submitting proper identification. I have sent copies of my drivers license twice. They have promised I would receive calls from their financial department, and they have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have sent two certified letters to XXXXSANTANDER CONSUMER requesting validation for a debt on my credit report. I never received any evidence that has my signature to prove that the debt is mine. XXXXSANTANDER CONSUMER has not listed this account as " in dispute '' within the 30 day period allowed and their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX, XXXX Finance company : Santander Consumer USA Issue : Financed my car for 1 year XX/XX/XXXX to XX/XX/XXXX/Car paid off/ Unauthorized withdrawal. 
- I made another deal for a new car. XXXX was notified on XXXX XXXX not to draw anymore money from my bank account for monthly payments, because the account should be closed right away. They were notified in writing, email, and telephone. 
- Despite all those notifications they debited my bank account for {$340.00}, on XXXX XXXX, XXXX and are still keeping that amount hostage, despite the fact that they have been paid in full by the new dealer. They cashed their payoff amount and still refuse to refund my money taken with no authorization. 
- I have been told that with their predatory lending practices include a form of retaliation for suspending a financing transaction, even when properly and timely advised. 
- I believe that they should refund my money, and I am appealing to you for assistance. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
financed a car thru santander consumer usa XX/XX/2013 been paying regularly since then got behind once and paid XXXX to get the car back when i was only behind 60 days for a total of XXXX then amounts of money i pay monthly never goes to the principal only on interest the loan was supposed to be paid off in 5yrs now their info says a 7yr loan the balance only goes up never down still owe according to them XXXX checked my credit report now says that its a charge off account and never is paid when i have proof then was pulled over because my car plate and vin has no info and being advised by dmv that santander put a freeze on my vin so i cant get the car plated anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Attach is proof that Wells Fargo sold my default payment to XXXX XXXX after I paid to for the Downpayment with my XXXX XXXX XXXX XXXX and I ask put {$50000.00} down and {$10000.00} for closing I did not have an loan for down payment not closing cost and had an year to return to home or Mortgage and they did not help me relocated I was harassed the hold time while fighting for my life and because of the Foreclosure Wells Fargo reported of Credit Report and XXXX I did not even sign an contact with just was allowed to purchase my personal and confidential information and Federal Employee which also prevent me from rent and now in Shelter in State of New York and unable to rent I did not default on Mortgage with XXXX when I did sign an contract with them and Bank and they allowed to report poorly about me and also prevent me from renting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have an auto loan with Santander and each month when I make the payment online I 'm charged a {$10.00} " convenience fee '' The only way to avoid this fee is to mail the payment or setup auto pay with the bank - neither of these works well for me. What can be done to stop them charging a fee for me doing their work?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company has been calling me harassing me since XXXX of 2015. I have spoke to about XXXX people. I have the name of XXXX XXXX as a rep. All of the reps are very rude, call and tell me they have a incriminating evidence attached to my social and will read the last XXXX, tell me i have committed fraud and they will forward my file for further legal action, and good luck and will hang up. When I told XXXX XXXX i would be filing a complaint with a government he told he did not care what i filed. The calls from a several different places across the US from GA, TX and CA.

Company response to consumer: Closed
Consumer complaint received 2015-03-19
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing lied to a Federal court and indicated to them that they were my Lender and held first position as Lien Holder.  Evidence showed that Ocwen was not my Lender but XXXX and Ocwen had submitted a Fraudulent Title search using their own personal Title company to do the Title search, submitted the Fraudulent Title work to XXXX, Director of FHA .  They then sold their Servicer Contract to XXXX, another Servicer, a couple of months or so ago when it was discovered that they had submitted a Fraudulent Title to the Director of FHA, XXXX who indicated to them not to pursue a Foreclosure on my Property because FHA had an invalid Lien on my Property..  It has been found that both Servicers pursued Fraudulent Practices in underwriting, processing, closing and Mortgage Fraud.  Both Servicers showed that they escalated the amount of payment $XXXX 0f money fraudulently and statements is evidenced.  Hence, I am asking that the License be suspended and Revoke of Ocwen Loan Servicing and XXXX and their Records all be Audit.  My phine number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with Santander Consumer USA, and am going on the 8th and 9th year where I am still paying on this loan. In the time, I have been paying this car I did lose my job, found another job but I have upkept with my loan and it has never been repossessed. However, I find that the more I pay, the more I have left to go. I can never be done paying. As I pay the balance increases or stay the same, where all the money goes to miscellaneous fees? I do not know what they mean by miscellaneous fees. I need help investigating. I feel I have paid triple the amount the car is worth in this past 8 years I have been paying and I get run around answers when I ask about miscellaneous or all these extra fees. My mother has a loan with them as well and is on XXXX and her car has been repossessed because she has not been able to keep with all the late fee add up. At one point, XXXX charged {$35.00} a day for late fees. How is she or I ever to catch up? And when her car was repossessed at one point she was asked to pay an extra {$200.00} at the towing place to get her items that was in the car. I just feel XXXX is a thieving company and once they have you in their clutches you can never seem to pay them off. I would like to get an investigation into what they are doing to my mother and I please. I am just really tired and frustrated with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: LDF Holdings, LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from " Radiant Cash Loans '' for {$600.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1300.00} and per Radiant Cash Loans customer service, I have an outstanding balance of {$460.00}, which means out of {$1300.00}, only {$130.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$600.00} plus 6 % interest : {$36.00} Based on PA law, I have overpaid by {$750.00}. 
Also- I can not see my account balance, loan document or proof of payments on my " online account. '' I have had to request proof of payments and balance from customer service, which can take a long time. They say that their website is " undergoing maintenance. '' It has been like this for the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation