BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Synovus Bank
State: CA
Product: Credit card
Issue: Late fee

Complaint:
i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. 
so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. 
till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. 
i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. 
there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ASSOCIATED BANC-CORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account at Associated Bank. I had arranged for loan payments to be made by ACH from my account. For a number of reasons, I closed my account at Associated and in the process I requested that the loan payments be cancelled since they are being made through my new account. 
For the last SIX months I have been getting notices from the bank that has my car loan that my payments are not being processed because my account has been closed. Although I am making payments as agreed through my new account, the notices have become a nuisance to me and to the bank that has my car loan. 
I have asked on numerous occasions to stop the payments from my account at Associated Bank and I have been assured on XXXX separate occasions by XXXX separate people that the automated payments have stopped. I have received another notice from my bank that has my car loan that yet another payment from the closed account has been attempted. This is extremely frustrating to me, and I have absolutely no confidence that Associated Bank will not report negative information about my account because of the returned payments. 
I just want them to stop trying to process the payments against this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
Every time I am trying to login to my account to make a payment the system does not let me do that. It does not let me to reset my password. When I call customer service they tell me to try again in 30 minutes. I know I am entering the correct credentials, because I store them in my own password database. This is a very bad practice of forcing customers to be late with the payment and charge them late payment fees!

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 2022-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I signed up with Synchrony bank credit card through XXXX website in XXXX. The Synchrony bank has been charging me 1.6 % " Card Security '' fee to all my balances since the account was opened. I was not aware of such charge nor aware to elect such charges hence I consider this is an unauthorized charge item. I always paid my balance in full. Because Synchrony has not made it available for the complete record of my account, I calculated based on my own record that the balanced summed to be {$6000.00}, and unauthorized fees collected by Synchrony Bank is {$96.00}. 
Synchrony acknowledged the unauthorized charge, but only refunded {$31.00} upon negotiation. I am writing to report this unauthorization behavior for Synchrony and seek refund of {$65.00}. Thank you!

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 2021-03-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company repeatedly contacts me at work from numbers XXXX and XXXX. On XX/XX/XXXX at XXXX they called me at my work number from their number ending in XXXX. I immediately called them back from my cell phone and told them that I CAN NOT receive phone calls at work. I work for a state government agency and all of my call logs are monitored against personal calls. These can get me in serious trouble as " theft of resources '' for using my government phone for personal reasons. The lady I spoke to said that she would have the number removed. 

Then this morning at XXXX I get another phone call using their number ending in XXXX. I immediately called back and told them I already asked on XX/XX/XXXX not to contact me at work. The only reason give was that it could have been another department that called. I'm sorry but I told your company once that calls are not allowed, it doesn't matter which department uses it. 

When I asked what it was in reference too I was told they needed my social to look it up, I gave a fake number and hung up because I was hesitant to hand out my info to this company. 

This company has my cell phone number, they call it constantly all day long. They should not be using my work number after they were told the first time not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I bought a XXXX on XX/XX/XXXX. I did a trade-in on my previous car ( XXXX ) I owed {$10000.00} on that loan The dealership offered to pay {$7000.00} and the remainder {$3000.00} would be added to the new loan. To my understanding the XXXX was XXXX plus the {$3000.00} would equal to {$21000.00}. The only thing that the dealer stated was that my monthly payments would be {$630.00}. They never explained to me how interest worked or what my total would be for the XXXX. When it was time to sign the paperwork. the gentleman who handles that part of the process was very rushed and did not explain any of the papers. He just told me to sign everywhere that needed a signature. It was n't until he put everything in the envelope and i was waiting outside that i got a chance to read the paperwork. That 's when I saw my total was about {$49000.00}. I am in every way a honest person but I feel I got cheated ( in lack of a better word ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I APPLIED FOR A XXXX AUTOLOAN WITH XXXX, AND CALLED TO HAVE MY FIRST PAYMENT SKIPPED XXXX SEE ATTACHED ) AND ASSUMED IT WAS APPROVED AND MISSED FIRSY PAYMENT, AND IS REPORTING ON CREDIT REP, ITS PARTUALLY MY ERROR AND NEED THEIR GOODWILL HELP CORRECTING LATE PAYMENT XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have multiple collection agency reports on my credit report from XXXX and enhanced recovery company which I have never personally opened accounts with. They have increased up to {$640.00} which is recorded as a cable/cellular service which I have never subscribed to. I want this record off of my credit report as it is damaging to my character and I did not authorize these accounts. They show up on my report as early as XX/XX/2016 and I know for a fact I have never opened any cellular or cable accounts in that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
RBS Citizens Bank NA is intentionally deceiving its customers by manipulating its transaction processing in order to extract {$35.00} overdraft fees. Citizens represents to its customers that they will not be assessed an overdraft fee if they cover the overdraft balance on the same day ( i.e. by moving money from their Citizens savings account to their Citizens checking account ). However, they intentionally withhold processing of certain transactions until XXXX. Therefore, customers overdraw in the middle of the night, and only have 59 seconds to both recognize the overdrawn account and to complete the transfer request. I have been a Citizens customer for 27 years, this has never happened before, and Citizens refuses to waive the {$35.00} overdraft fee, even though funds were moved from savings to checking to cover the overdrawn account on the first full day of noticing the account. Citizens ' intentionally manipulative policies entice customers to rely on the ability to move funds to avoid a fee, and then takes advantage of this misplaced reliance to extract exorbitant fees. Citizens must either change its processing to put through transactions as they occur ( similar to other national banks ), or notify customers that they should not rely on the " same day '' policy -- as that same " day '', in most cases, is less than 60 seconds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I applied for a home equity loan from the now defunct XXXX XXXX XXXX. XXXX XXXX XXXX was sued by the Department of Justice and the Consumer Financial Protection Bureau in XX/XX/XXXX for charging XXXX and XXXX borrowers higher prices for their home mortgage loans than non-Hispanic White borrowers. XXXX acquired XXXX XXXX and agreed to pay {$35.00} XXXX to settle charges that the former XXXX XXXX Bank discriminated against XXXX and XXXX borrowers by charging them more on home mortgages because of their race and national origin. According to the U.S. Department of Justice and the Consumer Financial Protection Bureau, XXXX XXXX, which XXXX bought on XXXX XXXX, XXXX, violated the federal Fair Housing Act and Equal Credit Opportunity Act in imposing higher fees or interest rates on more than XXXX minority borrowers. 
According to the court documents, the violations involved loans made through more than XXXX XXXX XXXX retail offices from XX/XX/XXXX to XX/XX/XXXX, and by mortgage brokers from XX/XX/XXXX to XXXX. XXXX said XXXX XXXX financially rewarded loan officers for imposing extra charges, known as " overages '' that were not related to borrowers ' creditworthiness, and did not properly monitor how they were imposed. This resulted in statistically significant discriminatory pricing disparities based on race and national origin, and caused more than XXXX XXXX borrowers and more than XXXX XXXX borrowers to overpay. 
RBS Citizen bought the loan without knowing its history and is now suing me to collect on a loan that was null and void. Because XXXX XXXX committed fraud in originating the loan, that action made the contract void. 
In XX/XX/XXXX XXXX contacted me about the loan and assured me that they would conduct a full investigation because of XXXX XXXX XXXX mounting troubled mortgages and would cancel the debt. The investigation was never done and instead the loan was sold to RBS Citizens. RBS Citizen filed a lawsuit in XX/XX/XXXX and we are currently in court proceedings. RBS Citizen is trying to collect on a loan that XXXX should have cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a response to a previous complaint on CitiMortgage with Case number : XXXX I have received their response which is inaccurate and untrue. 
They indicate I have made a web payment on XXXX/XXXX/15 in the amount of {$4400.00} on the same day I made a phone payment in the amount of {$2200.00} This is not what happened at all even though they have provided a confirmation # to support their claim. I have never made an online payment with CitiMortgage in the 10 years of my mortgage payments to them. 
It is not safe to make online payments to them as it gives them access to your account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The account was opened with Micro Center and I was made aware because they mailed the card to my old address and the mail carrier knew us and put in our current mailbox. The card has Micro Center XXXX XXXX XXXX on it but the card was issued by Wells Fargo. I have called Wells Fargo and initiated a fraud complaint, I have called and frozen my credit at XXXX, and they told me the hard inquiry on my account was made through XXXX so I called them and also froze my credit. The rep at XXXX told me to report to FTC when I asked them to remove the hard inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
received a check from Citizens Bank referencing Administrative proceeding File No XXXX - XXXX I asked Citizens if I can have the date that the error occurred so I can correctly adjust my corporate records. 
I was told they do n't know??? 
If they do n't know how did they decide to send me a check. 
I would hope that the consumer Financial Protection Bureau know the answer when did the error occurred. A answer between XXXX and XXXX is not sufficient THANK YOU Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to a XXXX university and like many other students, I took out private loans. After graduating in XXXX XXXX, I could n't find a job. I took the first job I could get paying only $ XXXX/hour at a XXXX. XXXX of my student loan payments was over {$400.00}. It would 've taken XXXX paychecks to pay it. I called to see if there was something they could do but because it was a private loan, there was hardly any flexibility. I did the best I could to pay it but I found myself scraping for pennies. I worked XXXX jobs, seven days a week in order to send in checks. I switched to the graduate repayment plan but overtime, I would pay more interest. Little did I know how my money was being applied. I apparently accumulated {$620.00} worth of late fees in XXXX and part of XXXX. I called to see if I could get these waived and the representative said they could n't do it unless it was an error on their part. I put in a request to speak to a manager but all they could do is say they 'll put in the request and have them call me back within XXXX hours. After a week of not hearing from them, I decided to call them back and they were finally able to transfer me. I told the manager my whole story and how I was going through financial hardship at the time and if there was any way I could get these late fees waived. I also added that it is SO frustrating knowing I worked too XXXX hard just so my money can go into late fees instead of paying off the high balance on my student loans. To no avail, the manager just said, " I wish there was something I could do but I know the request would get denied. '' I just feel like these student loans are the death of me. And there are no programs out there that could help. I 'm in the right track with these loans as of XXXX. I like to tell myself that I 'm doing the right thing by paying these loans instead of taking the easy way out and placing it through bankruptcy. But I feel like these lenders are n't willing to help in any way. They have the abilities to waive late fees and yet, they make it so hard on people who are trying their hardest to do the right thing and pay back these high interest loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Ok..I 've been dealing with trying to get my Venmo account unfrozen because they will not give me my stimulus!!! 
I have verified my i.d . but they will not give me access or let me transfer my money. I have XXXX XXXX XXXX that those Venmo XXXX will not give me access to and I just want my stimulus help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2022-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Several acct, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all broke into our address at XXXX XXXX XXXX XXXX XXXX, one time while we slept during day hours just walked in stole cellphones that had all our info stored in. Stole from brother home where items were locked with padlock in spare room.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been on Social Security since XX/XX/XXXX I am a XXXX Vectren XXXX person and this debt they 're trying to collect I am unaware of I was checking my credit on XXXX XXXX sound out that I have debts on there for B & P collection services XXXX foot {$54.00} {$68.00} and {$290.00} for XXXX XXXX XXXX I 'm on Social Security I do not owe them anything and I was unaware of this bill Social Security my Medicare should have taken care of this bill and va their phone number is XXXX I would like this matter taken care of I am not liable for this bill I am unaware of this bill until I checked my credit today

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company XXXX XXXX XXXX explained that I didn't know about debt and it wasn't mine. Do not know when it was added to my credit file {$950.00}

Company response to consumer: Closed with explanation