BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: Byrider Franchising, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Both my auto loan holder CNAC XXXX, WI and my insurance agency ( XXXX ) take their payments up to a week early on a regular basis. Also as a part of the purchase agreement XXXX XXXX was to replace the front bumper of the vehicle of which I have complained about for two years now with zero results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
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 financed my vehicle and when I became unable to pay, due to medical XXXX and XXXX, they agreed to work with me upon my return to work. However, while they took my payments, they ultimately repossessed the vehicle. I did not hear anything from them, even after I called repeatedly about reinstating my loan to keep my vehicle. XXXX months later, I received a letter that they sold the vehicle for {$3000.00} and I had a balance of {$15000.00} to pay. I never receive notice that they were going to repossess the vehicle despite my payments, nor did I receive notification that the vehicle was being sold and how could they sell it for such a low amount, leaving me with such a high balance. Given that Santander Consumer USA, has been named and settled in several predatory lending practices, including fraudulent fees and improper repossession, I would like to file a complaint and ask that consumers be protected for this company. ( https : //www.justice.gov/usao-ndtx/pr/justice-department-reaches-settlement-santander-consumer-usa-resolve-allegations. ) I am now fighting to get this removed from my credit, so it appears they are not only hurting consumers financially, but also stopping them for recovering by reporting their fraudulent acts as truth on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SUN LOAN COMPANY INC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX keeps calling me several times a day, harrasses me at work with is against the law, calling friends, threatening me

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 2016-02-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The seller of the auto USA Santander Consumer agency sold th is car to me without disclosing the condition of t he car. The XXXX XXXX XXXX XXXX had a very bad deficiencies with the breaks that made the car low, stop right in the tracffice on the freeway .Also the car would n't breaks, it could be very danger because the malfunction who made by the car dealer XXXX XXXX, and with a recall after buying in this condition. I would like this problems solved because of the insufficient lack of safety when it was sold to me unrighteous. And could cause death to me or someone why driving it. I volunteer gving back them because of this problem they did n't give me an option in the situation to solve the condition.Now it is on my credit to collect for it after these notification. from the dealership .and now I have purchase a car through the third party on this Loan from Santander USA through XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a auto loan with Santander Consumer located in XXXX Texas. Each month I sent them two payments which equal to one month payment. One half of my payment is mailed in the first week of the month and the second half of the payment is mailed out by XX/XX/XXXX.My payments are {$320.00} the due date is the XXXX of each month. 
XXXX stated they received first half of my payment on XX/XX/XXXX and therefore I am always late. According to them my second half is always late. 
Today I went on line to check my account again they stated they received only one payment on the XXXX.I asked if that is true, WHY IS MY BALANCE STILL THE SAME AS LAST MONTH? ( FROM WHEN THEY RECEIVED A FULL PAYMENT IN XXXX and XXXX in XXXX? ) XXXX is not being candid with me and they are not recording my payments and balance. I DO N'T KNOW WHAT ON MY CREDIT REPORT. I do know If XXXX keep recording me as late it will reflect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The firm XXXX continues to attempt to collect a debit that discharged via Chapter XXXX Bankruptcy. In XX/XX/XXXX, the vehicle was originally fnanced with XXXX XXXX XXXX, then sold to Santander Consumer USA who became my new lender. In XXXX of XXXX, the vehicle was respossessed, and the deficiency balance was owed to Santander USA. In XXXX of XXXX, the deficiency balance owed to Santander USA was discharged in U.S. Bankruptcy Court. On XXXX/XXXX/XXXX, XXXX attempted to collect the deficiency balance on the debt from XXXX XXXX XXXX. I informed them that the debt had been sold Santander USA, the vehicle repossessed and then been discharged via Chapter XXXX Bankruptcy. The customer service representative then became combative and abusive and told me " That is not my problem, will you be paying what you owe us? '' I said no, I do n't have -- the debt has been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard. 
I have XXXX accounts with rush card. I used the mobile app to transfer money from one account to the next. The next day I checked the account the money had been transfered to ( XXXX ), and my account was missing over XXXX. The XXXX acct shows XXXX completed transactions. XXXX for XXXX, and another for XXXX. Rushcard took money from one of my accounts because their system was behind and did not calculate my purchases on the other card ( XXXX ) from the previous day. One account has nothing to do with the other. You can not take money from an unrelated account due to a system error on your part. This comes AFTER the issue of not being able to buy food for my children and gas to get to work for 2 days, due to the inability to access my funds in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.

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 2016-12-22
Company: CREDIGY USA CORP.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hi ive recived a zero Blance letter from Main Street Acquisition Corporation # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed on XX/XX/XXXX. It was sold via a short sale XX/XX/XXXX. Green TreeServicing LLC held a second mortgage on the house. This mortgage was not paidthrough the short sale. The are still reporting that I am not paying them monthly on aproperty that is no longer mine. It is negatively impacting my credit score. Rather than treating it as a foreclosure, they are treating it as if I still own the home and am not paying my second mortgage every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Collector called cell phone while at work after Statute of Limitations expired. 

Dynamic Recovery - XXXX - XXXX - XXXX I informed SOL expired, Called cellphone while at work, informed to not call again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls all day every day. I blocked the number than they call from local numbers

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 2016-09-15
Company: Risecredit, LLC
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. 

Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Glennon Law Firm, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Continental Finance Company, LLC
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Utah System of Higher Education
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was loaned money on a false degree. I was also not made aware of how much I was being loaned. Then my loan was sold and I have been charged interest at a higher rate than agreed ... as I was not aware of any rate. Also charged while in school and serving in 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 2016-04-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a debt with Synchrony Bank {$570.00} and the bank ordered XXXX XXXX XXXX XXXX to collect the debt. Synchrony Bank accepted a settlement I offered {$300.00} and I paid it in the time manner. One month after the Synchrony Bank ordered another debt collector XXXX XXXX XXXX to collect the rest {$270.00}. 
I explained to to the last collector that I already paid my debt through the settlement and I sent them all documents. XXXX/XXXX/2016 they made a report on my credit. 

Synchrony Bank already accepted the settlement.

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 2017-08-15
Company: Integrated Recovery Services
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I keep getting calls from a number XXXX or XXXX claiming they are Integrated services and that i needed to call a XXXX XXXX back. They wanted information on a XXXX XXXX XXXX and if i do not call them back to verify legal address then failure to provide formal statement. Then they would expedite verification of employment and liquid assets to avoid protocol to call XXXX XXXX immediately. 
When i call this number they do n't answer as a company. They just say hello. If they was a company why are they not answering as such and if i owed money it why are they so rude and wont tell me the name of there company that it could be anything and why are they asking me for my social and bank information. If this was a collection agency they would n't be asking me for this. Plus i would have gotten a letter from an attorneys office saying i had 30 days to dispute the claim. I have not received this letter. This is a scam call for my personal information and i want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Amsher Collection Services, Inc.
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The company has been harassing around about 3 months for account open by identity theft with XXXX, We request a copy of the alleged agreement and a copy of his license to collect money in my state and have not given me any kind of document. Rather they began to report the XXXX credit bureaus account. Credit card companies, XXXX, XXXX, XXXX, remove the account when you do get the police report of my identity theft, and the agency returns infrige laws and nuemamente I reported the same account. I already have bad with constant harassment, I will take an action with this agency or fined for not following the CRA rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Carter-Young, Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I lived in an apartment, called " The XXXX '' in XXXX, VA. I fell behind in payments. I began to catch up with them on terms with XXXX specific person XXXX XXXX XXXX XXXX. That person left the company. I made other arrangements but that person also left the company. An agent from Carter-Young contacted me and I began to dispute the amount that was said I owed while agreeing to start paying off in the process. The agent XXXX XXXX XXXX ) I worked with did not put my information into dispute and also wanted me to pay a higher amount every month as she was not satisfied with me paying the minimum. She then threatened to put it on my credit report as someone who was not paying anything, then hung up on me. I called back attempting to converse about what was going on and to speak to a manager, she said everything was fine and would not transfer me. 
Less than a week later it showed up on my credit report and with a higher balance. I then called the main number to reach a manager because the agent would not transfer me to or get the attention of her manager for me to speak to. 
Speaking to the manager, the manager said the best thing to do is send in all of my proof that the balance was off, then she forwarded it to corporate of " The XXXX ''. 
The XXXX ' XXXX XXXX also asked me to send the information, but then disregarded it and said that all of the paper work did not match what they have and that it was therefore dismissed. I have papers from the court saying that I paid and even the proof that I had been trying to pay until each mishap and they continue to leave the same balance on my credit report and are blocking me from doing anything, as they keep placing derogatory marks on 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 2016-02-03
Company: Golden State Collections LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted Golden State Collections LLC after I discovered a debt on my credit from them. I have sent them XXXX certified letters thus far and I have not received a response and the account is still on my credit. It has been 3 months since I have wrote to them, the last letter was sent on XXXX XXXX.

Company response to consumer: Closed with explanation