BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This complaint is about Citibank/Home Depot credit card. I always pay this card on-line through my checking account. On XX/XX/XXXX ( or there abouts ) at XXXX I submitted a payment on line, only to realize I had used the wrong ( old ) bank account info, which did not have the funds to pay the check. I immediately called, the person at Citibank said they could do nothing because it was after XXXX. I traveled to the nearest Home Depot that evening, paid my payment in cash. I called again the next day, the person helping me said nothing could be done, they had no procedure to withdraw a payment. 
When the check was returned 3x and I was charged a large fee each time, I called them again and was told they would continue to submit the check, they had no way to stop any payments. I was able to put a stop payment on at the bank, so nothing further was paid. The fees I had to pay to the bank nearly equaled my monthly payment ...

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 2016-12-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up on my case number XXXX. I would like to submit the attached documents showing my scheduled court date on XXXX XXXX, XXXX. XXXX has responded that they dropped the foreclosure case against more than a year I believe in XXXX XXXX. As you can see on the attached, there 's a scheduled hearing with the referee on XXXX XXXX, XXXX. I called and spoke to XXXX XXXX, Fiduciary # XXXX at XXXX XXXX XXXX XXXX XXXX, telephone # XXXX a couple of weeks ago and she told me that she was not aware that she was listed as a referee on my case. XXXX XXXX claimed that she does n't know why her name was listed as the referee and that it was a mistake and that she was going to contact the judge assigned to remove her name. Unfortunately, I have not heard back from her. Attached is copy of the notice. 
I 'm not sure how these documents are processed, but I truly believe there is something terribly wrong with this entire scenario. First, the law firm lied and claimed that they withdrew from the foreclosure case against me back in XXXX XXXX while the case is still listed as active and I had to appear in court just recently in XXXX XXXX. In addition, there 's a court date scheduled in XXXX XXXX, XXXX with a referee who claimed that she is unaware of anything and that it was a mistake. I believe someone is creating fraudulent documents and setting up consumers to lose their homes. I would like the law firm XXXX to send me an official notice that they have withdrew the foreclosure case against me and also to update the court records to note the case is closed or disposed.

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 2016-08-10
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint regards to a undelivered account opening bonus promised and also confirmed by Citibank.

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 2016-12-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a CareCredit card. I recently realized that " XXXX XXXX '' signed me up for a service that I did not sign up for. It took two statements to realize this. I call CareCredit and they happily refunded me. XXXX XXXX did cancel the protection. This is fraudulent to sign people up for something they did not sign up to pay for.

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 2016-09-13
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Pay pall smart connect account was stolen and used to make purchases in an amount of {$500.00}.

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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and bala nces, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from Original Creditor and   XXXX , TransUnion,  XXXX , with is in violation of the law ... ..

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 2016-05-26
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear XXXX, I am XXXX XXXX. I opened a Citigold checking account ( XXXX ) with an offer stating I would receive XXXX XXXX XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria ( PROMOTION CODE : XXXX ). I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thanks 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 2016-08-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Recently, I filed bankruptcy. I have elected to keep my vehicle. To be proactive, I contacted the finance company, Santander to obtain more information regarding the process. After speaking with 3 separate representatives I have received 3 separate answers with how to resolve this situation. The final answer I received was for my attorney to contact Santander 's attorney so that the attorney 's could develop a possible plan. I was provided with a number for Santander 's attorney and then provided the number to my attorney. My attorney has contacted Santander 's attorney and to date has been unsuccessful with receiving a return call in order to begin discussion about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was sick 2 times during the life of my current 5 year loan with Santander auto USA I deferred XXXX payments to be added to end of loan and I noticed my maturity date was XX/XX/2017 now it sit shows XX/XX/2017 with a balance of XXXX my payment is XXXX so I called and said payoff for XX/XX/2017 is not accurate I ca n't see how loan will mature in XXXX making XXXX payment on a balance of XXXX the math does not add up I said please explain I spoke to supervisor XXXX she said maturity is not accurate you have to pay after that date to pay balance I said it does not add up or make since she said you deferred I said yes that is why my maturity date is now 6 months out no help just fyi Santander is in current class action for same example I am explaining please help I have never been late in 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
J.P. Morgan Chase Bank decided that I was a security risk and locked out all my accounts. No explanation was provided. I am a long-time Chase customer ( XXXX years ) and a " Chase Private Client, '' for whatever that is worth. 

No explanation was provided. No fraudulent transaction was flagged. Yet, two days before the beginning of the new month, on XX/XX/XXXX, Chase decided to lock me out of my own accounts. That same day, Chase informed me that they made the decision not to continue to do business with me. I asked for reconsideration and have received no response. I have asked to close my accounts and be provided with cashier 's checks for all of my accounts ( I have both personal and business accounts at Chase ), but was denied. 

While XXXX XXXX XXXX, of the Chase Global Security Team, advised me via email to go to a branch and close out my account to get my funds, the local branch in XXXX, New Jersey refused to do so. 

I have emailed multiple times, attached to this complaint. 

Chase 's restriction on my account has caused far-reaching damage to myself and my businesses. I can not receive rent from tenants, pay bills and other obligations, or transact business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
XXXX 2015 - I attempted to pay my Macy 's acct online various times prior to my due date, their online system was n't working. I called to make payment over the phone and an associate informed me their payment system was n't working due to maintenance but to make my XX/XX/XXXX payment in XX/XX/XXXX along with XX/XX/XXXX payment and that I could continue to use my credit card and there should n't be a late fee, but if one was assessed they would remove it. 
XXXX 2015 - I received my Macy 's bill that included a late for XXXX. Prior to paying the bill I attempted to call Macy 's about the late fee issue at the phone number in my contacts, the phone numbers on their website, but none of them worked. I even emailed them using their online link, and still have not received a response. So I made a {$70.00} payment that did not cover the late fee since it is a Macy 's error. 
XXXX 2015 - today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX removed the late fees from XX/XX/XXXX & XX/XX/XXXX. However, the minimum due {$79.00} is incorrect as it still includes late fees. XXXX XXXX informed me that I HAVE to pay the incorrect minimum due for XX/XX/XXXX {$79.00} ( which is incorrect due to {$38.00} late fee and {$11.00} portion of the XX/XX/XXXX late fee ). And that if I do not pay the minimum {$79.00} I will be assessed another late fee which Macy 's will not remove. The minimum payment due is incorrect and I am being forced to pay for Macy 's billing error upfront. I was on the telephone for over 1.5 hours when I could have been at work. The associates did not care that Macy 's was at fault and when I asked XXXX XXXX what my minimum payment should be because that 's the amount I want to pay, she wanted to know why I could n't make a {$79.00} payment and what my hardship was because she looked up my payment history and could see that I had made a large payment recently and because of payments like that {$79.00} should n't be an issue now. I do not want this incident to be reported negatively to the credit bureaus. 

Please assist me in getting this matter rectified. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22
Company: Synovus Bank
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I purchased a building on XXXX XXXX in 2003. The property is deeded to me and I am a XXXX My son secured a line of credit using my property as collateral. He applied for the loan using his credit and income but used my property as collateral. He is a XXXX and the bank took the collateral without properly searching the title. I have a sales contract on the building and I am unable to close because XXXX Bank will not release the lien taken on my property. I have spoken to XXXX XXXX of XXXX XXXX and his supervisor. They keep stating they do not have a fraudulent loan. The loan made was not fraudulent however they allowed XXXX to pledge property as collateral which he has no ownership. The lien is invalid. XXXX XXXX will not give me any information about the loan and initially refused to speak to me because the loan is not in my name. Which is true and why they should not have taken my property as collateral. I am attaching the original deed to XXXX and the deed filed by XXXX Banking in XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint is on Santander Consumer Bank. XX/XX/XXXX Santander Consumer bank stated a false and misleading statement. I called stating that I sent a payment in but still have n't noticed it changing in my Satander consumer account portal and that I did n't want it to effect my credit. Santander employee stated that he would defer my payment so that the payment can come in heals of stated that he would submit a credit dispute on my behalf and stop any late payment from being reported. I noticed a late payment on my credit report I waited a month and half. Because this employee stated if a late is reported it can take anywhere from 30-45 days to correct. Today is 4 months later and Santander refuses to stand by there statement of removing the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Synovus Bank
State: TX
Product: Credit card
Issue: Other

Complaint:
I applied for this credit card that i had to pay the credit limit of {$300.00} Dollars and the company where very rude and hung up in my face each time i called so i called to inform them i wanted to close my account. The guy who i spoke with would not give me his name and would not close the account and send me back my remaining balance. Months later due to them not closing the account when i requested late fee 's were added to the account and ended up having me owing {$120.00} Dollars for fee 's i did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXXXXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My name is  XXXX   XXXX  I rented Unit  XXXX   XXXX   XXXX   XXXX  MD  XXXX   Apt   XXXX  .I re nted an apartment from  XXXX  at  XXXX  in  XXXX  MD. I lived there from  XXXX   XXXX  thru  XXXX   XXXX   XXXX . I ended my lease due to stuff being taken out my apartment. There was no balance left for rent or etc. However, after 90 days  XXXX  contact me & sent {$840.00} in utilities to collections. I am baffled thattheyare allowed to do such a thing with no regard for past clients. I had utilities turn on in my name on my  Move n dat e which was  XXXX   XXXX   XXXX , I faxed a copy & dropped a copy of my bill over to the leasing office upon moving in & out. I was instructed that everything is in order, I had kept electricity on in the unit upon until I moved out. I had to have services turn on prior to moving in and picking up the lease which I did.  XXXX  is claiming I owe them money when in fact I do not owe them any money.  XXXX  at  XXXX  is not a " utility company '' which they clearly state this in their lease on p age ( 10 ).  If they are not a utility company how are they allowed to bill me for services wh en I had " Service '' in  my name from the local utility provider? I also have a letter from the utility company which states upon me moving out of that address, I had servicesin my name from  XXXX  until I moved out, and balance is {$0.00}.  XXXX  sent my name & personal information over to FAIR COLLECTION OUTSOURCING IN MARYLAND a collection agency for whom, I disputed and they just sent me a copy of a lease nothing else.  XXXX  & Fair Collections have illegally placed a collection account on my consumer credit profile, I have also sent the Collection company a " debt validation letter '' to which they fail to answer any of my request and instead placed this incorrect, negative information on my consumer credit profile hurting my ;  XXXX   XXXX  so much so that it is now affecting my everyday way of life. Please contact me at  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 2016-09-22
Company: LDF Holdings, LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out the loan. I am currently paying 714.92 % interest on a {$700.00} loan. They are charging me {$860.00} finance charges on this loan. At the time, I was just looking for a quick, no credit check loan. My parents are the ones who told me that this was wrong. I should have done more checking to begin with and I am struggling to pay this loan, because I now live with my parents. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chrysler capital finance company whom I have a new XXXX dodge Journey financed with and was bought at XXXX dodge dealership in XXXX Tx calls me monthly before my payment is due, using foul language saying that I am two payments behind and demanding their money. I got a recent e-mail from Chrysler capital finance Demanding back payments for a XXXX Dodge Ram 1500 Quad cab pickup that Was paid off in full six months ago and again using foul XXXX letter words and threats. They have cussed my wife and have done so with my self. I am going to call them and tell them that due to their actions that I am NOT going to take their abuse any longer and that they are to pick up the car because I do not want to deal with their abuse and unethical practices any more. I know that it will wreck my credit and that I will have lost as far as my down payment & the gap insurance of {$700.00} that I purchased also but I have had it with them. The Dodge Journey was purchased new, I have XXXX miles on it is all. I have sense talked to other Chrysler capital Finance customers who have said that they too are treated in the same horrible manner and further, that no matter what a credit rating is that they finance, whether or not the buyer can pay for they finance the vehicles and charge extreme finance rates.

Company response to consumer: Closed with explanation