davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting. 

The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated. 

1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX. 

2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate. 

According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate. 

Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

I continue to receive unsolicited/unwelcomed threatening phone calls from a company only known as R.P.M. collection agency ( phone # ( XXXX ) XXXX ) who refuse to share any information with me as to the nature of their business or who it is they are representing, instead I 'm asked personal questions or they simply hang up the phone, I have been extremely patient in this matter but I have reached my level of tolerance with these unwanted disturbances
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution? 

Sincerely Yours, XXXX XXXX XXXXl
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

In XXXX XXXX Santander Consumer Usa purchased a car loan from XXXX for me on a XXXX XXXX. I made every payment on this vehicle to them until my car was refinanced by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and receiving the tiltle to this vehicle on XXXX XXXX XXXX In XXXX XXXX this company Santander Usa starting reporting derogatory payment history to the bureau and i know longer had the car it took me to XXXX to get this corrected but it has impacted my credit report a great deal by reporting it as A charge off account paid for a less amount. My loan with them was for XXXX and at the time it was purchased from XXXX the pay off for the vehicle was XXXX and it was paid and title was received. what is hindering me is this account is labled as a charge off and it was never a charge off. I have attached all the documents for this loan including the title that was given on XXXX/XXXX/XXXX
Consumer complaint received 2016-12-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made an application on XX/XX/XXXX for the Bank of America 's XXXX BOA XXXX XXXX XXXX XXXX XXXX XXXX ) to replace my current BOA ELOC on my residence on advice of my BOA branch XXXX. She made the recommendation because the new XXXX will provide me a similar loan at a more attractive interest rate resulting in savings. 
As part of the application I submitted our XX/XX/XXXX and XX/XX/XXXX IRS tax returns. When I asked XXXX I should provide any other documentation, such as XXXX, social security XXXX XXXX etc, I was told it was not necessary because BOA has all that information in their system. There was some other requests from different people at the processing center, but questions on our offshore income ( which is already on the XX/XX/XXXX/XX/XX/XXXX tax returns ) was resolved when I submitted XX/XX/XXXX FBAR I filed with XXXX XXXX XXXX. Please see the attached letter to BOA to get some more details on the nature of ensuing events. 
My application was rejected on the basis of " Unable to verify income '' ( please see the attached copy of this letter )
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I received a Parent Plus Loan for my daughter starting in XX/XX/XXXX, I file for Bankruptcy in XX/XX/XXXX-XX/XX/XXXX, I was told by my attorney that my student loans would not be a part of my bankruptcy because they were federal. My loans were in deferment, In XX/XX/XXXX my loans were transferred to XXXX and XXXX. But in the process on my credit reports my loans from XXXX XXXX, XXXX for {$6800.00} and XXXX XXXX, XXXX for {$22000.00} is derogatory from Sallie Mae, the reason stated is that the " debt being paid through insurance ''. It is only on these XXXX accounts. But on my XXXX and XXXX accounts with the same amount, it is current and paid as agreed. I have been trying to correct this since XX/XX/XXXX, if I could not pay my student loans, I would always get a deferment or forbearance. All of my Parent Plus loans were consolidated XX/XX/XXXX including the XXXX listed above.
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Stephens and Michaels Associates, Inc. (NY)

I keep getting phone calls from Stephens & Michaels Associates in NH. When I answer the phone a recording asks me to please hold, when someone answers the phone they will not provide me with any information, just that I have an outstanding debt and they require that I pay it immediately. 
They will not provide me with proof that they have acquired this debt from the first policy holder.
Consumer complaint received 2015-09-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK (IL)

Dear Sir or Madam : In a late response to my earlier CFPB claim ( XXXX ), E*TRADE 's corrected their false statement of the existence of proprietary evidence to : " E*TRADE reviewed this matter further and confirmed that there were, in fact, no documents available to provide in response to your request. '' Over the phone, an E*TRADE associate admitted that while they had no direct evidence showing that these transactions were legitimate and could in fact be fraudulent, but they would still deny the claim. This is in direct violation of a Regulation E of the Electronics Funds Act. 

On top of that, the disclosure and decisioning period of my case was over 30 days from initial claim to decision. Requests for documentation relied upon E*TRADE to review my dispute were subsequently denied. 

E*Trades only defense in this whole manner is that I have " recently submitted a similar dispute ''. This is to imply that it is impossible for fraud to happen to me twice. 

In retaliation for filing the CFPB complaint and my persistence in following up with the CFPB case, E*TRADE closed my account on XXXX XXXX denying me access to a majority of my liquid assets during the long holiday weekend. This was a major inconvenience and resulted in several fees and missed payments. 

In summary, E*trade failed to provide documentation in a timely manner, has admitted in writing that there was no evidence used to deny my unauthorized transaction claim and thus violated Regulation E and in retaliation closed all my bank accounts. 

I request that that the CFPB subpoena all records related to this case including phone conversations, evidence used in decisioning, case management system notes, and emails. I would also like the CFPB to audit the E*TRADE 's Reg E processes and procedures and customers. There appears to be evidence of discrepancies between their implementation and the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I have over XXXX dollars in loans to pay back!!!! Idid not borrowed all this. But this is the total after interest which is two and half time more than i borrowred. I was told year after year given the advice to go into forbearence until my financial hardsips are overcome, ,then defer,,, then the next year defer again. I asked if i should go and consolidate all my loans into one and maybe that will bring down my interest rate into a lower interest rate..They told e it would be a bad idea to leave navient with these loans.The sad thing is that I went to school for six years got a XXXX and am still unable to get the job in my field 6 years later. As my loans plus interest keeps adding up higher and higher I am told to go into forbearence ... .now I cant get a loan to buy a home, a car, a credit card nothing becasue I owe so much!!!! I totally feel that the people I talked to year after year did not give me good advice at all. Some Of them I could not even understand them. its like We are talking about my future and my lively hood and all my loans and they did not have my best interest ... most time they would put me on hold as they could not answer my qustions!!!
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

PRIOR to opening a CitiGold checking account, I confirmed via chat while logged into my Citi accout that I was eligible for a promotion to receive XXXX XXXX XXXX miles. The agent stated, " I checked with my resources and see that you are eligible to earn bonus of XXXX XXXX miles as existing credit card member and you do not have checking account with us. '' I RELIED on this information and proceeded to open the account and completed all requirements for the promotion. I even confirmed via secure messaging that I had met all requirements. The agent told me the miles would be credited to my XXXX account by XXXX XXXX, 2016. However, another Citi agent later told me I was NOT eligible for the promotion, and the miles have not posted.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (MA)

Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode. 

On XXXX XXXX, 2015, I communicated to TD Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of TD Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015. 

I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is " forgotten passcode '' and the issue of not receiving correspondences from TD Bank is moot because one of the mailings to prove identity was from TD Bank, and not the reason for contacting the bank on XXXX/XXXX/15. 

I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode. 

Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

Citibank took over the credit card service for Costco members. I received a new Citibank Visa. Then, I received one statement and paid it. My FICO score is well over XXXX because I pay all my credit card bills on time and in full. On the next Citibank statement I received, it showed an unpaid balance from a previous month, a late fee of {$25.00}, and interest of just over {$7.00}. Citibank claims I should have known the billing cycle was that payments were due on the XXXX of the month. With only one bill having been sent, there was no " billing cycle. '' Clearly, Citibank is taking advantage of consumers by failing to send statements and, then, collecting {$25.00} late charges and interest. With the thousands of Costco members, Citibank could end up with millions of dollars, with this scheme. I strongly suspect that Citibank is engaged in this scheme, for profit, taking advantage of its new relationship with Costco members and the members ' lack of familiarity with Citibank 's billing.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (OR)

We financed a car on from Prestige Financial Services in XXXX XXXX XXXX UT. Our payments are due on the XXXX of each month. On XXXX XXXX we traded in our vehicle and received a better rate through a different company. We notified Prestige right away. We are now getting multiple calls and texts that we owe the car payment or they will put us in default. We 've asked them to stop contacting us, and to contact the dealership, but that has yet to happen. Today, we got letters saying we are in default and must pay ASAP or the car will be repossessed ( which we do n't even have ). It 's getting really annoying to be contacted multiple times for something we are no longer liable for. We even have all the paperwork of the transaction. And we are still within 30 days of the payment being considered late.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has an option on their Automatic Payment web page that says in essence " if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Bank of America charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Bank of America.
Consumer complaint received 2015-04-14
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Senex Services Corp. (OH)

Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I continued to make payments on a XXXX loan while Mohela was backlogged counting XXXX payments. I knew I made more than the required XXXX payments but they hadn't counted them up yet. To avoid accrued interest and late payment fees, I kept making payments in good faith. Once they finally tallied my payments and forgave my loan, I had overpaid by {$1600.00}. I called on XX/XX/XXXX and was told my refund was escalated and would be sent in XXXX business days. I called again on XX/XX/XXXX, after not receiving my refund, and was told they " are backlogged and to wait longer ''. When I asked exactly how long, I was told to " try the end of XXXX ''. I called today, XX/XX/XXXX, and was told to wait longer, they are backlogged. Could be XXXX MORE days! Meanwhile, Mohela is making interest on MY money. I asked to be transferred to a XXXX, after being on hold for another XXXX minutes, an automated voice said they'd call me back by the end of the next business day. 
To further complicate the matter, I have XXXX loan sequences that are still in repayment. Mohela put them on administrative forbearance. The letter they sent me said interest would accrue during this time, but since it's a court ordered forbearance ( govt fighting about XXXX  payment plan ), everything I read on government websites say interest does not accrue. When I call it's a different answer depending on who answers the phone.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AR Resources, Inc. (PA)

AR Resources posted a collections case that I do not recognize on my credit reports with XXXX, XXXX, and XXXX. AR Resources never contacted me prior to posting this on my report. After seeing this unkown collections item I have attempted to contact AR Resources via email, fax, and USPS mail. I 've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit. 

In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm, including a mortgage that was already approved now being canceled right before closing.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC. (HI)

This is in regards to case XXXX. I 'm fighting First Hawaiian Bank, they are looking for unjust compensation for a mistake one of their younger representatives made by releasing to me money from an uncleared check. A check that totaled {$2600.00}. The FHB policy states that I should have only been given {$200.00} of the {$2600.00} until the check had cleared. It never did, but that did n't stop their unprofessional and obviously unaware staff from releasing to me ALL the money THE DAY OF. It also seems that the ambassador FHB had chosen to dispute my last response on the CFPB website had n't done their research either. I had an overdraft fee almost every month I had been a member of their bank. But why would they withhold and deny me that information? I am disputing this, I have received letters from collection companies sent to my address harassing me to pay. I will not be held responsible for a mistake THEY made. I was handed money that should n't have yet existed until it had been verified. I refuse to be bullied and taken for by a bank that could have easily AVOIDED this problem. First Hawaiian Bank could have just as easily prevented this.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hi, I have received a approval on my short sale, after a year, there was a question on a line item on the Hud, on XX/XX/2017 i emailed the response and explained why the number was on the hud, the second lien holder did not no the loan was haffa approved, so knowing that they are asking for XXXX, I have a date given by SPS of XX/XX/XXXX to close, i was told 5to 7 days to get a answer, it is now XX/XX/XXXX, that was my first complaint, which brings me to this complaint, when i called on XX/XX/XXXX t, and spoke to XXXX he told me because I have sent a complaint to CFBP, that they have to answer that complaint it priority and they have 15 days to do so, i asked what happen to the 5 to 7 days after i sent the answer about the hud, that has been under review for 10 day already? he just kept repeating that the CFPB comes first and that is there priority to answer them, and the review dept i guess stops working, while the Ombusman Dept. answers the complaint. I was also told that in XXXX the {$12000.00} that could of been offered was cut in 1/2???? 
all I want to do is close on the property and all i need is confirmation, that they will pay the {$12000.00} to the 2nd lien holder.