BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My car loan is financed through Exeter. I experienced a financial hardship that caused me to get behind in my car note {$2000.00} which included late fees. I paid the balance. I got back on track with my payments. I mistakenly double paid my car note which showed as a charge in my online account as opposed to a credit so I called Exeter. Nobody ever mentioned outstanding late fees or that the overpayment could pay any outstanding late fees. I just log in and pay what it shows i owe. I log in and it says I owe {$900.00} instead of {$620.00}. I call on XX/XX/22 and am told a request would be made to have the payments applied to late fees and it would take 72 hours. I follow up on XX/XX/22 told its still not done. I call XX/XX/22 and was told it would be done that evening I call XX/XX/22 and the rep doesnt know what Im talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I paid for a gym membership in XX/XX/2016 with Citibank CC. 
Payment was received by merchant and access granted to me. 
During XX/XX/XXXX access to facility was denied for no known reason. 
I filed a dispute and money was returned to me. I also contacted the merchant who said access was denied in error. We agreed to make a new contract in XXXX 2016. 
During XXXX 2016 Citicards REVERSED the item and recharged me. I have emailed and called numerous times to get it removed permanently but to no resolution!

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 2016-08-08
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am writing to mark a formal complaint once again concerning the predatory strategy, threatening foreclosure, government loan modification denial that CitiMortgage has been using over the past months to " drain '' of money since they are in the capacity out spend the consumer send the consumer there bill according to legal funding that is looking into my case. 
During my last complain, CitiMortgage committed to steps they CitiMortgage was will to take to resolve what could have be the solution I have been seeking and asking for over the months/years. To the mortgage company has continue their tactics and will not give any attention to what they say they will do the remedy the problem to begin a fresh start. 
Attached, kindly find supporting paper works to support that the action of the CitiMortgage this predatory.

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 2015-10-15
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In 2007 I had taken out a home equity loan in the amount {$100000.00} at a interest rate of 7+ % over a 30 year term at a {$690.00} per month payment. I still have my first mortgage, which is through the same bank, Citibank, which I am paying approximately {$1100.00} per month. I 've been trying for over a year to gain a modification from Citibank, because I am now XXXX years old, living on a fixed income. I 've suffered a XXXX over a year ago and had to let go of my second job, which limited my income drastically. My wife whose XXXX income is less than {$8000.00} per year is not able to assist me. This is my second time around in applying for a modification with Citibank, but they keep giving me the runaround, asking for the same documents repetitively. I feel they have no interest in helping me modify this mortgage. As a XXXX, I am requesting the CFPB to help me in getting this modification accomplished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold checking account XXXX XXXX, 2016 over the phone and was approved. Phone representative confirmed, promised XXXX AAdvantage miles after completing required activities. 
I followed up with Customer Service later. Phone representative again promised XXXX AAdvantage miles after completing required activities. 
After completing required activities, I emailed Customer Service but received a message back on XXXX XXXX to the effect that I would not be receiving the promised XXXX AAdvantage miles. What a disappointment! 
I do have a disclosure that Citibank mailed to me promising the XXXX AAdvantage miles after completing required activities. It is attached. 
I have completed all the required activities. Citibank should have a record of my calls and message. Please ask Citibank to award the promised XXXX AAdvantage miles.

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 2021-12-17
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I send over couple FTC report for those hard unauthorized credit Inquiries.. consumer/ fraud department keeping say they were remove upon check noting have been remove for couple months. The XXXX gave me XXXX confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I requested that a statement be added to my credit file and that has not happened.

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 2015-05-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was refinancing my home from XXXX lines of equity into XXXX fixed rate loan. I contacted a loan officer with Wells Fargo that gave me extremely poor customer service. This customer service has been documented as I was eventually contacted by another employee that was able to assist. The customer service issue took a month away from getting my application completed and submitted. This was a time sensitive matter for me because my maturation date was approaching and I just gained employment in XXXX of 2014. The application was submitted in XXXX of 2014. Closing was not until XXXX 2014. Almost 5 months to close on a loan with an existing customer. During the approval process the loans matured in XXXX of 2014. My credit score went from an XXXX to a XXXX. After closing I was instructed to contact Wells Fargo Mortgage and seek assistance to correct credit score. They would not assist me in the correction so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I have requested verification information for a collection account wuth XXXX XXXX XXXX. I have waitied more than 30 days. I have not received any verification information per my rights under the FCRA. Below is the information that is reporting with Experian and Experian, along with XXXX XXXX XXXX has refused to verify within the 30 day time period. Below is the information that is reporting. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : - XXXX - Account Type : - COLLECTION - Account Type - Detail : - Collection - Bureau Code : - Joint Account - Account Status : - XXXX - Monthly Payment : - - - Date Opened : - XX/XX/XXXX - Balance : - {$2100.00} - No. of Months ( terms ) : - 1 Month - High Credit : - {$2100.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department - Last Reported : - XX/XX/XXXX - Comments : Completed investigation of FCRA dispute consumer disagrees Date Last Active : - XX/XX/XXXX - Date of Last 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 explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After leaving my job due to an illness, I had a verifiable loss of income, I started receiving continuous ongoing Social Security which was lower my income. After several months trying to get the lender to work with me, I was offered loan modification, I was contact and rushed by Wells Fargo to submit my documents within two weeks. I was denied due to not enough income. 
I have not been offered any other options. I know through the FHA loan modification program my payment could be as low as XXXX, which is 31 % of my monthly inome.

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 2021-07-31
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/XXXX i leased a XXXX XXXX XXXX XXXX from jd byryder of XXXX XXXX i put a XXXX dollar down payment at this point i had no clue about financing the sales man XXXX XXXX was realy quick witted about the process and got me to sighn a lease of 45 months at a 26 % interest rate mind you blue book is less than XXXX XXXX part of the contract was insurance coverage for 3 months until i got my registration well i was one day late and the come to my home and put a letter in my windshield wiper about my payment so i paid the payment but i diddnt know they dropped my coverage and had my car up for repo due to no insurance even tho i just paid the paymemt they got the car back and 4 years later they have destroyed my credit a XXXX XXXX dollar car at the end of sighning turned out to be XXXX dollars XXXX was financed at a 26 % rate and is still on my credit they scammed me into that car i diddnt even get a choice on other vehicles it was that or nothin i should have chose nothing because thats what i have today is a XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was robbed I never even had a pin to this day I dont even know they pin I also have a police report and they wont help me or give me any of my money 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 2022-11-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase Freedom Unlimited credit card in XX/XX/2022. Prior to XX/XX/XXXX there was a promotional offer for 5 % cash back on gas station purchases, but starting XX/XX/XXXX the Chase website offered me 5 % cash back on grocery store purchases. This convinced me to apply, however, I saw that in some places on their website the offer still said " gas '' while in others it said " grocery ''. I called their customer support line and they assured me that if I applied, I would indeed earn 5 % back on grocery store purchases for the first year. After getting the card, I noticed I wasn't receiving this bonus. After calling them, explaining the situation, and even letting them listen to the recording of my prior phone call where I was told in no uncertain terms I would earn 5 % back on groceries, they sent me a letter 2 weeks later saying " Please accept our sincere apologies for the misinformation regarding the 5 % cash back offer on grocery store .... We are unable to match 5 % Cash Back on grocery store as this offer is not available for your account. '' This is not the information provided to me when I applied for the card, and if I had known it then, I would not have applied. They directly admit to misleading me with misinformation and practicing bait and switch tactics to get me to sign up for their card, yet refuse to make it right after I have called them twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX of this year I asked Navient, my student loan company, to change the due date from the beginning of the month to the XXXX of each month because it would make it easier for me to make the payments. As a result of this simple request, to which they had agreed on, I have had nothing but problems with my monthly payments. First, instead of changing the dates they put my loans into forbearance without my authorization. I found out about this the next month when i saw my statement showing the total loan amount increased instead of going down despite the extra payments they had ask me to make. They kept billing me different amount for the next XXXX month telling me I have a past due amount. After having talked a dozen times to different representatives and several supervise who kept telling me the problem was resolved, I was told that I had overpaid XXXX loan ( i have XXXX loans with them ) and that they had applied all the finds to XXXX single loan instead of dispersing it evenly among all the XXXX loans. Once again they told me it is resolved and I should wait two days and the record in the computer would update and it never did and they keep billing me different amounts, they are constantly calling me that i owe money and my payments are past due and this is been going on since XXXX of this year. At this point i do n't know what to do or who to call to get this situation fixed so that I can make my monthly payments the way that I have for the past several years, but unfortunately no one knows what they are doing and every time they tell me the exact same thing that it is taken care of and that I should wait two days for the computer to update and two days later I get calls again and the same things repeats. Please, this is a desperate call for help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Our tax return for the tax year of 2015 was taken by the IRS and given to Navient because we were deliquent on our student loan. The total amount taken was about XXXX. But no where in our records with our student loan does it show that the money was actually applied to our loan. In fact, after they took the XXXX, our loan was XXXX bigger then before. We can not find out where this money went. It appears that it was stolen by someone at Navient because there is no record of it being applied towards the student loan. The IRS states that that is where it was sent. In light of what is now going on with the investigation into Navient, we really could use some help to find out what happened to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XXXX XXXXthst XXXX to XX/XX/2022 my Chase checking Account started being charged by the merchant XXXX XXXX XXXX My Checking Account was charged a total of {$13000.00}. 

I immediately contacted the merchant company as soon as I noticed on the chase app l the transactions that went out to them. I noticed this on XXXX XXXX after checking my chase app. 

The company was unable to help because they was asking me to verify my identity using a code sent to my email in order to access any records/personal information in their system but it was impossible since I did NOT have an account with this merchant and never used them before in the past. They told be if I believed someone else made a account using my identity that I should immediately contact my bank and let them know. 
I then contacted my Chase Bank right after on XX/XX/2022 and explained to them what had happened. 

They assured me that they will look in to it and not to worry because since the transactions were unauthorized they will be able to help me get my money refunded back to my account. 
After opening a claim with Chase regarding each of the transactions that went out to the merchant I waited and called for an update every day from them. The last time I spoke to someone they told me I will have my funds returned to my account on XXXX XXXX. 
It is now XX/XX/2022 and Chase has closed to dispute without an explanation and havent received ANY of my funds back. I called Chase and was told the reason was that it was authorized by someone through a text message which was confusing to me because I havent received any text message from anyone to verify anything. I asked them for proof of this and they basically said they dont have it. Chase has not provided me anything or any further details regarding this. 

I contacted Chase again the following day and they stated they have sent out a letter but its been XXXX weeks since I filled the claim and I still havent gotten any letters from Chase regarding this unauthorized transactions I reported. 

I also asked to speak to a manager or someone who could be of more help and after being placed on hold for over an hour the call got disconnected. I spoke to my lawyer and my lawyer have advised me to firstly CFPB and tell them everything.I will also be filling some king of police report if necessary. 

I dont know what else to do. My account is now in the negative and I really need help with this situation. I trusted Chase with keeping my account safe as promised in their terms and conditions and they have failed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: LEXISNEXIS
State: MI
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:
I sent lexis nexis a dispute letter in XXXX and according to USPS they received it XX/XX/2021. 30 days have elapsed and still no reponse!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to secure a loan modification with Bank of America for over 2 years now. I have experience poor service from Bank of America. I have written a number of times regarding the rough treatment I have received in letters which Bank of America has dated XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX. I was told by XXXX XXXX XXXX yesterday that she would call me back today between XXXX and XXXX. After holding on the line with XXXX XXXX XXXX from XXXX until XXXX I was finally connected with XXXX XXXX. It seems that we had a miscommunication on when we would meet by telephone. My conversation with XXXX XXXX, I indicated that my home is over {$120000.00} underwater due to maintenance issues in my kitchen, bathroom and foundation. I asked that some or all of my principal balance be forgiven and XXXX XXXX said that while B of A owns the loan as investor, principal forgiveness was impossible. I have appealed to bank of America in good faith because I believe it would be fair for them to give me some relief from my principal balance. If relief was not given to B of A in XXXX and XXXX, the Bank would no longer be here. I have been told by XXXX XXXX XXXX XXXX office that B of A does principal forgiveness. This process has been very stressful with hours and hours of phone wait times and representatives who passed me from XXXX person to another over and over.

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