BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
good morning my name is XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXXsince XX/XX/XXXX i been working with chase bank to do a short sale on my invested property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX. As i explain on my hardship Letter and i proved with my Financial statements and tax return i cant not longer continuum doing the payments for this property due to income reduced and lack of funds i will attached copy of the hardship letter at this time i am 4 months late on my payments in the past 3 years i invest about {$62.00} to remodel this house do to a Tenant vandalize the property .. i have all the receipts XXXX XXXX , windows, electric box roof kitchen and more we do n't have any more money to contribute to this property the house has been on the market for sale for over 1 year at a price of {$52.00} Note my balance due on this loan is {$51000.00} for that reason i cant put this house on the market for less money Since XXXX we have received. XXXX strong offer as cash for short sale on the amount of {$34.00} the bank appraisal came to a value of {$27.00} much less that the offer my total income declare on my tax XX/XX/XXXX was {$32000.00} a yearmy income is about {$2600.00} a month and my house expenses a month are about {$6200.00} with out counting the business expenses since i am self employee and my income is based on Commissions. on XX/XX/XXXX the bank negotiator name XXXX XXXX send an email to my realtor XXXX XXXX with a short words saying that the short sale was dined not explanations i call a supervise and he told me the reason of denied is i have to much income?? they are using a wrong calculation of my profit and loss and they refused to explain how they come on with the calculation XXXX told my realtor Quote : please tell your client not to call me i do n't want to talk to then i will communicate via email for any questions i am attaching the letter of my income explanation for you to review .and i would like some action to be taking to XXXX XXXX for not been working with ethic for customers and never return a phone call to us we are 100 % sure the reason of the bank denial is because XXXX XXXX XXXX XXXX not doing a good work on this loan the lack of communication with the clients the Nasty attitude to my realtor and my self is coming to the conclusion that she is not working to help Customer interest but only the bank interest. our gold is to short sale this property since we cant do any more paymentsmy email is XXXXXXXXXXXX my phone is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I leased a vehicle through XXXX and Santander Consumer USA is the lessee As an XXXX driver I the agreement is to make weekly payments with the proceeds from XXXX trips that will be paid directly by XXXX technologies. 
The method of payment agreed upon by Santander Consumer USA is to have the payments for the car deducted from my uber account every week. 
I missed a few payments and the car was repossed leaving no way to work or pay the money owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Professional Debt Mediation, Inc.
State: FL
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 is orig from apartment complex XXXX XXXX in XXXX, XXXX ( under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ). I never received a bill from townhome upon vacating, even though I left forwarding address. I did not know about bill until 3 years later until my mother started to get calls from PDM, so was unable to dispute charges to original debtor. 
Charged : {$120.00} for cleaning {$150.00} for trash out food/refrig baby bed {$11.00} for autochrg {$130.00} for " Bal of 15 Day Notice '' Per lease, premises were left in original condition than move-in. Upon move-in, office staff informed me that they had not had a chance to clean yet, and gave me a can of oven cleaner. Bathrooms had not been cleaned, floors had not been mopped. Upon move out, I cleaned all rooms, vacuumed, mopped all areas. There may have been some dirt from moved furniture, but absolutely not {$270.00} worth of cleaning. I did leave a crib in one bedroom, but had told mgmt that I would in case another tenant wanted it, as it was still in good condition and many people in the community were low-income. She said, " That 's so generous of you '' ; did not mention that I would be charged for someone to remove it from the room and give away/ throw away, if that 's what they did with it. 
PDM did not remit hourly wage and hours spent cleaning to justify such a large bill. 
" 15 day notice '' charge is not in lease ; I was on a month-to-month lease when I moved out, so did not owe add'l funds, as can be seen on " $ XXXX month-to-month '' charge on bill. 

When I told PDM that I wanted to dispute the charges, they immediately said that I should have done a walk-through with mgmt. Mgmt did not request a walk-through, I was never told about this requirement. Not sure if this nullifies my rights, but I do at least think that I should be given itemized bill of how they spent {$270.00} to clean the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander has reported excessive late payments on my credit report. I was never 90 days late. Santander stated that they repossessed my car at 85 days late so 90 day reporting is inaccurate, furthermore it was repeatedly reported as 90 days late XXXX times from the time of repossession dating past the point of settling the account balance in XX/XX/2016. This account is affecting the integrity of my credit report and defaming my repayment even after I settled my account to try and rectify my repossession. I disputed the inaccuracy of this credit reporting numerous times and santander is yet to thoroughly investigate it or correct it to this date I have XXXX 90 day late payments on an account that I never even had XXXX causing my credit denials and unfair interest rates due to the eccessiveness of the derogatory history that 's reporting. 
I have proof of these allegations on demand for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent couple letters to this company requesting debt validation and have received nothing but account is still on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
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:
Ive provided more than enough on my other applications this has been on my credit for a while and I need them taken off.

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 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Been trying to get " Account in Dispute '' removed from my credit report for more than six months with no luck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: NEW YORK COMMUNITY BANK
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
NYCB had an appraisal done on my home by an incompetent appraiser on XX/XX/XXXX, who claimed there are XXXX kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On XX/XX/XXXX, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on XXXX/XXXX/2015 that there is only XXXX kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are XXXX kitchens, and therefore more than XXXX accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is XXXX functional kitchen. With XXXX kitchen, there can not possibly be more than XXXX accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. 
They tried to do the same thing XX/XX/XXXX, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CITIBANK, N.A.
State: WV
Product: Credit card
Issue: Billing statement

Complaint:
I opened a Macy 's Department Store credit card account in XXXX XXXX. I made some purchases that month and paid my balance in full. I was receiving my statements via email. I made some more charges in XXXX XXXX. However, i never received a statement and forgot about the charges. I then get a phone call on XXXX XXXX, XXXX from Macy 's informing of a past due balance and 5 months late fees. I advised them i never received the statement. They told me that if i would pay the balance off, they would waive only XXXX or XXXX of the late fees. I advised them i was not going to pay any late fees and wanted to appeal the late fees. I paid them the balance and a little extra. After the payment was posted, there were still several months of late fees. I called again and the account supervisor informed me that there had been a computer " conversion '' and some customers had complained about issues with their statements after the conversion. He offered to waive all late fees and advised i would have a zero balance. Before this incident, my credit score averaged XXXX. In XXXX my credit score dropped to XXXX. I have no other credit issues and consistently pay all credit card balances/bills in full and on time. I spoke with XXXX ID # 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 monetary relief
Consumer complaint received 2016-05-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Looking at the documentation that was provided to me by both the credit collecting agency and the " Orginal debtor '', I have several concerns. The alleged receipts concerns me. ( I 'll refer to them from here on as " receipts '' but they are a list of charges with not explanation. I do n't believe they are valid receipts. ) The " Original '' receipt is just a list of charges with a signature from the manager at the time. When I contacted the debtor, it turns out that the original manager is not only no longer working there, but it was purchased by a new company. They have no idea what happened during that time at all. What 's more concerning is that other than my lease agreement, the only other " receipt '' is a copy of the original " receipt '' mentioned above with the words Make Adjustment written across it. That " receipt '' is also months older than the original. XXXX were signed by the same manager. It looks like XXXX receipts are invalid. More over, when I contacted them to better understand the charges, they could n't provide me with any information. They did not have any materials receipts or contractor receipts. There was also absolutely no proof that the work they are charging for was completed or who completed it. In fact, the only thing they could tell me what that I allegedly owed them money and they had " documentation ''. However, not only have they had that debt for more than a year, they did n't contact me about it and decided to give it to debt collection agency a month or XXXX ago. None of this makes any sense to me. I believe that what they are claiming is fraudulent and they are attempting to extort money from me. 
When I contacted the collection agency, I requested that they provide me with a debt verification consistent with Texas Law. ( As I currently reside in Texas ) They could not provide all the required information. Under Texas law, if they can not verify that the debt is mine as well as prove they hold a Texas surety bond within 30 days, they are required to delete my debit trade line from their system. Fidelity Creditor Service had refused to do so. I also brought up my concerns about the validity of the debt and Fidelity Creditor Service will not address it as it 's not in their interest to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I received a phone call from my mortgage company Citifinancial. They told me that I was missing a payment for XXXX of 2015. When they took me through their payment history i had actually made the payment on XXXX XXXX. They told me they would credited that payment to XXXX. A couple of hours later I received another call this time they said I missing a payment from XXXX of 2015. I went through my bill pay for the month of XXXX and seen that it was deducted from my bank account on XXXX XXXX. When i relayed this information to them i was asked to fax a copy of the canceled cashiers check that my bank uses for bill pay. I did this. i received three calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. With each call I had to retell about the faxed copy of the alleged missing payment. On Wednesday XX/XX/XXXX I was informed that a ticket had been made to research the missing payment and they would have an answer for me on Monday XXXX XXXX. I have received calls twice daily Monday and Tuesday urging me to make a payment because my account is in collections. Tuesday XXXX at XXXX XXXX XXXX I received a call and immediately asked to speak to a manager her name is XXXX . She asked me for a payment also but this time it was for a missing payment in XX/XX/XXXX. I then asked how this payment keeps changing months so she suggested we backtrack through my payment history. We went through from XX/XX/XXXX to XX/XX/XXXX but this time she came up with that missing XX/XX/XXXX payment. I asked her to read the notes made and it says that this matter is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Judgment XXXX In the Matter of the Marriage of XXXX XXXX and XXXX XXXX in the District Court XXXX Judicial District XXXX XXXX County, Texas XXXX Final Decree of Divorce. " It is ordered and Decreed that the husband shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the wife and her proerty harmless from any failure to so discharge, these items : Debt owed to Sears, Account Number ending in XXXX. Per the Divorce Decree I closed the account and added XXXX XXXX on the account. Since, the divorce XXXX XXXX XXXX has missed several payments which are now on my credit report. I have contacted Sears at XXXX which acknowledge they have a copy of the divorce decree but will not remove or modify the credit report. Per customer service will continue to report any future late payments from XXXX XXXX to my credit 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 explanation
Consumer complaint received 2015-11-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter in the mail from Macy 's stating that it 's attempt to email me my monthly statement was unsuccessful because the email was returned as " undeliverable. '' The email address that Macy 's listed in its letter is in fact my email address, and I have never had issues receiving emails before. The letter from Macy 's was sent to me after the due date of the bill. Macy 's made no attempt to contact me by phone or by mail prior to the due date to advise me that it was having issues emailing me my statement. In light of the fact that Macy 's notice to me was sent after the due date of the payment, combined with Macy 's failure to contact me prior to the date, makes it obvious that Macy 's is engaging in illegal behavior. While I have no way of knowing how many other people against whom Macy 's engaged in this scheme, I hope that the CFPB will receive other complaints and will respond with the appropriate measures that the CFPB has successfully used against other creditors who engage in similar deplorable behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Co signed a loan for an individual in XXXX customer then defaulted and the car was auctioned then I settled in XXXX with this company Santander for XXXX and they have not applied the XXXX to the account and now I am being harassed and the account is reflecting on my credit. This original debtor is deceased as of XXXX XXXX and I have sent them the proof of the payments I have made to them. The deceased individual estate should have taken care of all debts what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
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.

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 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. 
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 2016-03-17
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Chrysler has defrauded the CFPB with their false response to my claim, Case number XXXX claiming to be in process of fixing my problem. They instead continue to harass me with telephone calls demanding money that I do n't owe them. This is despite me telling them on numerous occasions, including by written notice, to CEASE and DESIST. Just this morning, XXXX XXXX, almost a full MONTH after promising to fix their mistake, they once again made a harassing telephone call to me, at XXXX PST. My account information visible online still falsely shows that I am supposedly delinquent in my account, which I am NOT, even as confirmed in their own letter responding to my original complaint. I am hereby formally asking the CFPB and any other Federal agency with jurisdiction to take appropriate enforcement action as required by law against this utterly incompetent and corrupt outfit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Several months ago I filed a complaint with your office against Paypal for their unscrupulous, unethical, bullying and probably illegal business practices. That Complaint # is XXXX. They surreptitiously permanently shut down our account for ONE violation in 15 years and refused to release the funds on deposit in our accounts. The money was released, and we moved on. 
Now, almost 8 months later, we find our accounts have remained open, but permanently restricted. We will never be able to use them again. We have XXXX accounts, each of which has a credit card and banking information attached to it. We do not want our banking and credit card information floating around in cyberspace in perpetuity. 
We reached out to Paypal to close both accounts and they have flat-out refused to do so. Their reason for refusing to close out our accounts is not plausible. In today 's day and age, I am sure there is a program or two that can keep track of Paypal 's closed accounts. They are just continuing to engage in their monopolistic, bullying, arrogant, and unethical behavior. 
Can you please help us get these accounts closed so we can move on from this God-awful company once and for all. 
I am attaching copies of Paypal 's responses to our request to close out our XXXX accounts.

Company response to consumer: Closed with explanation