BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was ( closed my bank accounts in XX/XX/XXXX ) a Wells Fargo customer for over 20+ years. I applied for a {$10000.00} home equity loan over a year ago and was declined, however they said I was already approved for a {$10000.00} credit card. I took the credit card with zero interest for one year. They upped my credit limit to {$13000.00}, and then to {$16000.00} without me asking for increases. I now have a {$13000.00} balance at 27 % interest and tried to pay down the balance with my bank account. I made a {$10000.00} electronic payment on XX/XX/XXXX and received a confirmation letter from Wells Fargo ( via mail ) and my bank account has been reduced. On XX/XX/XXXX I requested my credit limit be reduced to {$5000.00} ( I have a {$3000.00} balance ) and I asked to have the reduced credit limit reported to the credit bureaus. I was told I had to wait 3 days for the payment to clear before I could reduce my credit limit. Today is XX/XX/XXXX and I called today to request my credit limit to be reduced, and I was told my payment had not cleared and again I could not reduce my credit limit. I am fed up with the inappropriate banking practices of Well Fargo. I want my credit limit reduced to {$5000.00}, and I want my interest rate to be reduced to around 11 % ( like my other cc account ), and I want all of this immediately reported to the credit bureaus. Not too much to ask!!! Wells Fargo needs to be closed by the govt and all executive officers punished, not just in XXXX, XXXX XXXX 
XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: Exeter Finance Corp.
State: FL
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 am trying to refinance my loan with XXXX XXXX in XXXX. I was given a 5 % rate. When I speak to Exeter Finance about transferring the title from a XXXX XXXX to a XXXX XXXX they tell me to call the DMV and fill out a state transfer form. XXXX does not have any such thing, nor does XXXX They need the lender to assist with requesting from XXXX  a XXXX title. The car is registered in XXXX. It was purchased in XXXX. I am trying to refinance with a local credit union. I am paying 18 % with Exeter. Exeter needs to request from XXXX a new title, and the car has to be titled in XXXX to get a payoff of {$18000.00}. I have 60 days and counting to do this or I loose my refinance on my XXXX  XXXX. I am asking Exeter to request from XXXX a new title, I have tried with Exeter for a week, no one seems to comprehend this basic task. I have spoken to the XXXX DMV. Without the title, this can not be done, the refinance I need to lessen my payments. I can not do this alone without the lenders approval in writing, and the {$74.00} paid by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I noticed that on my credit report there were accounts reading as " in-dispute ''. While I did ask for more information I never said I disputed the information they sent.

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 2020-04-14
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
GC Services has been charged with collecting a ticket debt of mine issued by the XXXX XXXX XXXX XXXX  in XXXX XXXX, CA. I had a fix it ticket in XXXX of XXXX, which I responded to by sending in proof of insurance. The courts claimed to have never received the paperwork and put the ticket into collections. I found out when receiving a mailing in early XX/XX/XXXX that had been forwarded from my old address to my current home. The original mailing was dated XX/XX/XXXX. I called the courts first and they told me that since the account had been handed over to GC services, they were the only people who could accept payment for my ticket. Because of the delay in the mail forwarding, my license has been suspended and I am not legally allowed to drive. I was supposed to receive testing for XXXX  due to my symptoms and could not get to the doctors appointment, not wanting to endanger the life of a rideshare driver. I have called GC services three times. Each time, I have been on hold for more than an hour waiting to speak to apparently the only people in the world who have the power to un-suspend my license. One time the call went as long as an hour and twenty two minutes. At the end of all three attempts, after hearing hold track that repeatedly said " someone will be with you shortly '' The call got hung up. They aren't doing their jobs, but the government has still given them sole power to release people 's drivers licenses? This disgusts me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX Account Closure notice email from Coinbase regarding XXXX. 
I removed all my virtual currencies. 
However, I am not able to withdraw the USD I have on their system. 

XX/XX/XXXX Begin the support ticket process. 
Multiple telephone calls. 
Asked to not open multiple tickets. 
Wait a couple months with no help. 

XX/XX/XXXX Call again, account escalation. 
No response, no progress. 

3 months pass and my USD is still tied up in Coinbase. 

All it would take is a simple temporary approval to add my banking information to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Southwest Credit Systems, L.P.
State: AL
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:
DEBT WAS NOT DELETED ONCE PAID AS AGREED UPON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: N26 Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX of XXXX I saw an apartment listing on XXXX in XXXX, XXXX : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX & XXXX & XXXX I reached out to them since the listing looked normal asking for a possible discount. They proceeded to email me saying that they had a cheaper rate on XXXX. 
After a few weeks, I contacted them again on XXXX  and email : XXXX On XXXX of XXXX, they contacted me saying they were giving me a 20 % discount and they made a reservation for me on Airbnb through this link : https : XXXX The website looked exactly like Airbnb and I could message the host like normal. After accepting the booking, I asked the support on the page which looked normal if paying through transfer was normal and they assured me. 
We were shown an invoice on the page that looked like a real XXXX invoice with a N26 XXXX  XXXX bank account where the money was supposed to be sent. We proceeded to sent the money ( XXXX EURO ) and only we afterwards realized it was a scam. We called our bank XXXX but they are unsure if we can get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: U.S. BANCORP
State: MN
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:
I have a Fidelity Visa credit card, which is provided through Elan Financial Services. This complaint is directed at Elan. 

During the months of XXXX and XXXX my automatic payments did not correctly process. 

Problem # 1 : I was not notified of this in any way and my credit score was impacted due to high percentage of available credit that was unpaid ( perfect history before this ). 

Problem # 2 : the reason the payment did not process was a NFS, however my account had ~7x the required funds for the two month 's worth of payments. In talking with Elan and Fidelity in a 3-way call, the Elan representative confirmed it was a technical issue on the Elan side and that it would be fixed. I asked for but received no remediation options for the impact to my credit score. 

XXXX # XXXX : during this process automatic payments were cancelled on my account, without my notification, which has resulted in XXXX and XXXX payments being unpaid, which had again impacted my credit score.

Problem # 4 : again, neither Elan or Fidelity notified me of missed payment in any way.

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
Consumer complaint received 2016-03-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I want to start making payments to the financial institution when I got employed again. I asked to start making payments and they agreed of a certain amount. When later on I tried to cancel the next month payment due to a serious issue I had to deal with in my life, they threaten to garnish my wages and wanted to know where I work and my supervisor phone number. I did not tell them and they want 30 % of my wages. I also received a letter from them that month postmarked before I had the conversation to cancel the payment and the amount they wanted for my payment was vastly different compared to the one we agreed upon. I have called them twice to cancel the payment, each time the amount they said was different and they also refuse to cancel the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I try to call the chase account team all last week they had me on hold each day for 45 minutes nobody came to the phone I was trying to contact to tell they to take my {$20.00} check off hold they did this because Im XXXX the discrimination against me chase bank also I did a mobile deposit they clear my bank with the check they still but the check on hold for 8 days because Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I messaged my bank requesting that Navy Federal Credit Union place a bankers notation in my account file saying " ALL FUNDS BEING DEPOSITED, TRANSFERRED WITHIN, OR TRANSFERRED OUT OF MY ACCOUNT IS TO BE " DENOMINATED AS LAWFUL MONEY '' PURSANT TO 12 U.S.C 411 '' after talking through message I was denied that right. 
On XXXX I called XXXX and talked with XXXX Services and XXXX  to get the statement placed on the account. After being denied. I asked why and where legally do they have the right to deny my request. I wasn't given a legal explanation as to why my request was denied. There is a difference between lawful money vs. XXXX XXXX in which most bankers are incompetent and void of overstating of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I rescinded my loan mortgage XXXX XXXX, XXXX because I did n't have my disclosures my original lender out of business Wells Fargo the mortgage servicer ignored letter of rescission instead filed documents for illegal foreclosure 3 months later. I send 3 different letters requesting validation of debt via USPS with returned receipt which they totally ignored instead kept sending letters to my home with different amounts owed.

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 2016-12-17
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I opened a Citigold account together as we received a mailer offering XXXX XXXX for opening the account and meeting certain requirements. We spoke to a representative to confirm that we were both targeted for the offer. The requirements included depositing {$50000.00} into the account, doing on line bill payments for two consecutive months and using the debit card for a {$1000.00} spend. BothXXXX my husband and I did these requirements together. He received his XXXX miles ( although not without a struggle ) - but I have not received mine. The bank is now trying to tell me that I was not targeted

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 2023-01-30
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both XXXX XXXX and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: PA
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:
FTC already submitted for XXXX XXXX XXXX {$2500.00}. This account is not my obligation and need to be blocked from my credit report card. I was unable to upload documents to Experian website.

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 2021-12-22
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Received a letter from U.S. Bank cardmember services in XX/XX/XXXX stating that my visa platinum credit card interest rate would be increasing XX/XX/XXXX, the rate will be increased from 13.99 % to 18.99 %. called cardmember service on XX/XX/XXXX to find out why, they stated current account pricing and credit bureau information is what they used to determine the increase. Have a service from another credit card company that monitors my credit and there is no derogatory reports. My history with us bank has no derogatory history, my balance with u s bank credit card is well under my credit limit the monitor service i use is same credit bureau as they used to come to the decision Later the same day talked to representative at u s bank who agreed that i should file a complaint because it wasn't fair that they raised the rate, but she said there was nothing she could do to help me with my concern. I have 4 other credit cards thru other institutions that hav n't changed. I have had this credit card for 20+years with no problems. U.S. Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2016-03-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I left the country on XXXX XXXX 2015 and returned on XXXX XXXX, XXXX. My son was in charge of paying all my bills during the time I was abroad. All my bills were sent to my address in paper format. Thus, my son would come to my house open my mail and proceed to pay my bills. 
The problem emerged with my Citicard credit card when this credit card company changed-without my permission or knowledge- the billing format from paper to paperless. 
Unbeknownst to my son there were 2 payments that were not payed due to the credit card company 's illegal decision to make the change from paper to paperless. 
While I was XXXX- I had no access to my Citibank credit card internet account, and my son ( nobody else for that matter ) had NO access to my password to this account.. Therefore it is impossible that we would change the format of billing. 
When I got back home to the states, I checked my e-mail and realized what had taken place. I immediately called Citicard and began a chat with one of their agents who admitted that Citicard had changed their form of billing. I also requested that they reverse the late charge fees, as they immediately received my complete payment. They did reverse the late charge, and they received my complete payment. 
Days after I thought that this situation was resolved, since they reversed the late charges and seemingly understood what had taken place, I receive a letter ( copy attached ) stating that due to the 2 late payments, Citibank is decreasing my credit limit. 
I called Citibank as a result of this letter, and after reaching an agent who ca n't help me with this situation, I am assured that a superviso was not available and would call me within 24 to 48 hours. No supervisor from Citicard has called yet. A week has transpired since they promise they would call me back. 
Not only they have decreased my credit limit, they said that they have reported the late payments to the credit reporting agencies. My FICO score has been in the XXXX or higher for years. 
My desired resolution is that Citicard : 1. Restores my credit limit 2. Restores my good credit by clarifying the reason why these payments were late. Citibank CHANGED MY FORM OF BILLING TO PAPERLESS WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2021-12-22
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Currently because of covid I am on a forbearance plan which expires at the end of XX/XX/XXXX. My mortgage was sold by XXXX XXXX to Selene Financial. At the beginning of XXXX I received a letter from Selene stating that my mortgage was in default because I was six months in arrears. I immediately called them and the woman I spoke to told me that the terms I had in XXXX XXXX would be honoured. A couple of weeks later I got another letter from Selene telling me that unless I paid them {$14000.00} my home would be foreclosed on. Again, I immediately called them and told them I had spoken to someone before and the situation was resolved. He told me there was no record of the call. I do have a record of the call. The man told me that I needed to fill out a form which he would send me and the {$14000.00} would be added to the end of the mortgage term. Instead I received a letter from Selene which told me they were pursuing foreclosure. Then today I got certified letters from them stating that unless I pay the {$14000.00} by XX/XX/XXXX which represent the amount I'm in default for, my home would be foreclosed on. I can not understand how when Congress passes a law allowing homeowners who are affected by covid to have their mortgages go into forbearance, that companies can ignore it and try to foreclose on properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage with Citi Mortgage Financial. As of XX/XX/XXXX, I no longer receive Statements from them. I called and was directed to the Bankruptcy Division of Citi. My wife had filed Bankruptcy in XX/XX/XXXX or XX/XX/XXXX, we were and we still separated. Though not Legally. I was informed that due the Dodd-Franck Act, i no longer would receive statement from them regarding my Mortgage Payments. from my understanding My wife bankruptcy has been Discharged. I have never filed Bankruptcy. I was told by Citi, due to the Dodd-Franck Act, they no longer are allowed to send me Statements. I was informed My home was included in the Bankruptcy and it was ( Affirmed In the Bankruptcy ). They also Stated that if they send me Monthly Statements they could be sued by the Government. I was told that because of the Bankruptcy i could walk away from my Home with no Actions against me from Citi. My question, if this Bankruptcy has been Discharged why are they not sending me statements. This Happened with no advance notice from them. They knew this was taking place before hand. I want My Statements sent to me. What Legal rights do i ( THE CONSUMER ) have? I have a right, regardless of what took Place of almost ( 8 ) years ago. I feel that they are not being Forthcoming with what my true Rights are, besides Being able to walk away from my home, when I never filed bankruptcy and was never aware of the Actions that took place. They said I could Re Finance My home to get My wife name off the Mortgage. Michigan as I am aware does not have Legal separation and we are not Divorced. My conversation with there representatives, gave me the impression they were not aware of these Stated conditions. Do I have a Legal right to take Citi to court or make tham produce Written Proof why they took this Action. It is not Fair to me. I have aright to my Monthly Statements Regardless of this Government Act. It does not Protect The Consumer at all if the Mortgage Service-rs can do this to their Customers with out warning and no clear explanation. It is not right!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation