BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This a copy of a letter sent it to care credit and XXXX  to to dispute my charges, I dispute those charges several times, if Im not seeing any fixing for my report I will file a complain against care credit and XXXX  agency, also I down load my XXXX full payment. ( Care Credit Cared. I`m sending this letter to inform Care Credit that I have been trying to contact you several times to dispute the amount Care Credit Bank that I owe. I opened the account at the doctor office back in 2012, doctor office was not clear with me that I have to pay the total balance in 6 months, I spoke with Care Credit customer service that I will make monthly payments, they agreed to that. the High limit was {$850.00}, I paid total {$1000.00}, attached payments history. I`m asking Care Credit to contact credit Bureau to up date my file as paid in full ). please consider my request urgent. 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 2017-12-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
i 've been paying for my vehicle ( XXXX XXXX XXXX ) since XXXX. I make my payments regularly each month but my balance was the same ( never moving ). i have records to show for it. the lender ( Santander Consumer ) fixed part of their mistake but now are trying to say that I owe the {$1000.00} from an internal audit they conducted almost two years ago. When i called they said it was from a missed payment almost two years ago and they are just noticing it. according to them I still owe {$9000.00} on a five year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was purchased by Wells Fargo from XXXX XXXX. Wells Fargo increased our monthly payment by {$150.00} for the next twelve ( 12 ) months to fix the escrow account. A portion of this is covered the increased cost of the insurance. However, they also claim they can add a two ( 2 ) month cushion to the escrow, which accounts for nearly {$50.00} of the monthly increase. I looked over my original mortgage contract and no where does it stipulate that we agreed to this. We've never been required to have a " cushion '' on our escrow account in the past. I spoke to a supervisor and advised them they do not have the right to do this. They claim they can and refuse to withdrawal their request for payments towards a so called cushion. It seems like they are charging escrow on the escrow. The mortgage contract we signed says if at any times the balance falls short that we would be required to make up the difference at that time. We understand that and are willing to do that, but their demanding a cushion is just a way for them to take our money and earn on it without compensating us.

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 2020-06-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account being reported on 2 of my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/2018, which they received and signed for on XX/XX/2018. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.

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 2019-08-27
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$6000.00} } with and credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a call from my bank of America, and text message stating that my ATM card ending in XXXX had been compromised, and they will be sending out a new card in replacement, I spoke with bank on XXXX of XXXX, I was told that I could use card, till XXXX of upcoming month, in which I asked why, since its compromised why use, so I discarded it..in outside trash in a plastic bag ... 3 days later I received a letter from them stating the card would arrive in 7-10 business days ... during that time frame several transactions were presented, I only disputed those in that time frame, nothing prior ... so chip card may have been found and used during that time frame, after receiving a lretter from Bank of America , that the investigation was closed??? I never spoke to them during the process, they left a fast message and the return callback number, put me into voicemail questions ... whwere I left messages ... on XX/XX/XXXX a Saturday I received a letter stating I was to be charged XXXX dollars, due to the findings ... as in the amount of disputed charges ... they stated a merchant said they deliver product, I requested proof of this delivery, via a signature of receipt ... the bank lady said that was not normal??? they are intending to take XXXX from my account on XX/XX/2019 ... this is not proper, and im disputing..they did not give me any credits for fees I was charged by regular merchants I pay, due to having to change ATM card, and I am out adds XXXX in fees ... please help

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 2020-12-16
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I was emailed and invited to open a Citi Elevate High-Yield Checking Account with the following terms : Earn a cash bonus OF {$200.00} How to earn your cash bonus : Open a new Citi ElevateSM High-Yield Checking Account by XX/XX/2020. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. 


On XX/XX/XXXX, I opened the account, setup the checking account as an outside account at XXXX Bank ( including verifying with username/password pair ) and initiated a {$5000.00} transfer. 

On XX/XX/XXXX, I received notice from XXXX XXXX that the ACH transfer rejected. XXXX stated that Citi rejected it. Citi told me to just 'try again '. 

On XX/XX/XXXX, I setup XXXX XXXX  as an outside account on Citi 's website. I verified my XXXX account using my username/password pair. I then initiated a {$5000.00} transfer from XXXX to Citi. 

On XX/XX/XXXX, I was called by Citibank who said I needed to verify my XXXX account to complete the transfer despite having already verified through their website. They then called XXXX with me on the phone and expected me to answer my XXXX XXXX security questions with them listening. I objected and told Citi to close my account. 

In both transfer attempts, the {$5000.00} was withdrawn from my XXXX account. In fact, as of this writing, I have not received my {$5000.00} back from my attempt to initiate the transfer at Citi.

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 2018-03-16
Company: JPMORGAN CHASE & CO.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing about claim id : XXXX. I had several claims that chase decided to group into one claim. Then they told me they did research and said the merchant provided the necessary documents to prove my claim was false. However, Chase did not provide any proof. I think instead of individually researching each claim this they were lazy and group them together. I think chase did not follow the law and incorrectly did not research these items. In doing so violated my consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The names of XXXX XXXX XXXX or anything XXXX  related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/XXXX ( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off 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 2021-06-23
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, Kia Finance received a check from my car dealership and cashed the check on XX/XX/XXXX. The payment was not properly applied to my account until XX/XX/XXXX. The dealership overpaid my loan by {$700.00}. I called Kia Finance to determine when they would send me the refund amount. They told me to give them up to 30 days. I called back numerous time before and after the 30 days from XX/XX/XXXX ( which I believed should have been from XX/XX/XXXX when they received and cashed payment ) and was told that the refund is still pending. They can not answer why but it is. I called today and was told that I need wait 90 days. Kia Fianance keep extending the timeframe without explanation and reasoning. I received a letter over a month ago advising that my account was paid off and I do not owe Kia Finance any additional funds. Why are they still holding my refund for no apparent reason.

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 2019-05-24
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RS Clark is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Byrider Franchising, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX  ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made two payments to my credit card account with Citibank, one in the amount of {$4000.00}, followed a few minutes later by one in the amount of {$1000.00}. Upon looking at my account later the next day, while both payments had been taken from my bank account, only the payment for {$4000.00} was reflected. I waited another day, calling on XX/XX/XXXX. At that time I was told by a representative that sometimes they have a hold for up to 7 business days before a " floating '' payment as my second payment was referred to, is applied. It is now XX/XX/XXXX, I have called Citi and my payment is still not applied. According to, XXXX, who I have spoken to, they are not sure when said payment will go through. What recourse do I have to force them to acknowledge payment and reflect that in both my payment history and my fee schedule, or simply get my {$1000.00} back?

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 2018-03-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting on XX/XX/18 over {$18000.00} has been stolen out of a TD checking account. This happened several months ago and we opened another account. We had over {$400000.00} in this account recently but moved most to XXXX XXXX. Thank XXXX. 
My husband went to a local branch in XXXX yesterday and they told him they froze the account and more money was stolen. 

They didn't even notify us in any way. 
When this happens with XXXX we get an immediate text. 
We are going away for a few weeks and want this money back asap. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have already put in a complaint about this. Im not hearing back from the back. I set this money for certain reason. Now I have to wait for your bank to figure out a problem. I need this money. Im still being threatened and harassed by XXXX XXXX and XXXX his mother who is employed at Bank Of America. I have a right to my records. XXXX XXXX has told me already him and his parents do this with the help of others. My CD did not just disappear. It was just at new maturity date. Then it disappeared. Im going to speak to an attorney. If I dont get this money back. Please get in touch with me. This family has also been stealing my mail.

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 2018-10-09
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Attached is pictures of Payment reversal navient has made to my account. I tried paying them many many times they use to accept my payment but for the past mast its been saying payment reversal. I always make sure I have money on my checking account and the last payment I made via phone I made sure that the representative took notes and explained to her my situation. The payment has posted but I check again that they did payment reversal. 

Im filing a complaint because it has been affecting my credit and its not like Im not paying them they just dont want to accept it. Also they put me on forbearance even though I did not request it. This is a very serious case and I am not very happy with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Nissan XXXX GA - XXXX XXXX - I would like to start out by saying, I should have paid more attention to the deal and not trusted the Salesman ( lesson learned ), but I guess I was excited about getting a new car, never will that happen again. I came into your dealership to get an oil change XX/XX/XXXX and was approached by your Salesman ( XXXX ) about getting a new car, he asked what my credit score was and I advised a 700+ ( 1st mistake ), he said we can get you a new car with a low APR, I stated as long as my car note stays the same I'm interested, I paid into the 2015 XXXX for 2years ( Nissan made money off my interest on that car ), but I'm willing to start over if the price is right. We proceeded with the sale and my car note went from $ XXXX/month 5yrs to $ XXXX/month for 6 1/2 years, I'm like ok, it went up {$50.00} for a brand new car, not thinking or doing the math, until XXXX called me to update my car, with the same Sales Pitch lower APR., I went into your dealership and test drove a 2019 XXXX XXXX Sticker Price {$35000.00} and was told my car note will be about $ XXXX/month I said No, you guys are ripping me off. I was told I have {$15000.00} in negative equity and I'm paying almost {$50000.00} for a 2017 XXXX XXXX, which is only worth {$30000.00}. I thought that by me being financed through Nissan that they took care of their customers, I was wrong. Your Employees are a brand of Nissan and I feel like I was robbed, they took advantage of me and my credit. I assumed that by having good credit that I can get what I want at a good price ( wrong again ). I take pride in having good credit and now I'm stuck paying for a car that has no value, I feel this Company took advantage of me. I will never by Nissan again. I paid over {$43000.00} ( without finance charges ) for a 2017 XXXX XXXX that had a sticker price of {$32000.00}. I have been with XXXX XXXX since XX/XX/XXXX and have never been late with a payment. Wow is all I can say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Once again bank of America has today allowed a transaction from a company that I have never had any dealings with. After being on hold for 35min going from person to person I was told that the dept I needed was closed and to call back. I am furious that they have again charged my account this amount of XXXX. They have not contacted me by phone or mail or email to give me the results of the supposedly investigation. I am sufferring mentally and physically due to the bank ASSUMING that I owe these people. I WANT MY MONEY BACK IN MY ACCT. I have done nothing wrong and I am NOW seeking an attorney because I can't work or sleep and I am extremely stressed and this is causing me health issues. I need this tp be fixed.

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 monetary relief