BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I believe I was discriminated against by Wells Fargo due to my income level. My account was overdrawn by XXXX cents. Approximately {$770.00} was from the XXXX fees imposed by Wells Fargo. They gave me 60 days to bring my account current or else they would close it. I explained to them that I could pay them {$700.00} which would more than cover the amount paid by them on my behalf as well as a good portion of their fees. My offer was rejected. I was informed by multiple representatives that I had to pay the amount in full by the 60 day dead line or they would close my account. I explained to them that they were putting me in the position to choose to pay rent or pay them. They again said there was nothing they could do. Because having a checking account is important to me I decided to try to make some extra money. I was able to pick up some extra work to help cover rent and then used my entire regular pay check to bring my account to a positive balance with Wells Fargo on XXXX/XXXX/16. When I did I was told that my debit card had been turned off due to misuse. I asked them who missed used it and the representative informed me that I had. I was never informed by the bank that I could be punished by them for not using my debit card according to their standards. Now I have a checking account without a debit card attached to it, something that I feel is important to have in 2016. Wells Fargo made it very difficult for me to keep my account open with them. I told them that I can only conclude that they no longer wanted me as a customer. XXXX branch manager even looked at my purchases and in a loud and scolding tone chastised me for having to use payday loans, people in the bank heard, I was embarrassed, and I had to ask her to please lower her voice. I am not sure how much profit Wells Fargo makes from their {$35.00} fee, but I can only imagine it is somewhere around XXXX I may not make the most money, and I may not always manage my money well, but I am a person worthy of Wells Fargo 's respect. I doubt I will ever get any of the {$770.00} back from Wells Fargo because I am sure they have covered their rear-ends in some complex legal mumbo-jumbo, and that makes all of this that much more frustrating. I am not rich! I live paycheck to paycheck right now! I take my share of responsibility for that but my circumstances are not all my fault. What I needed from Wells Fargo was to be treated like a real person, like a member of the community regardless of if I was rich or poor, what I got was the cold shoulder, sharp criticism, and references to some ambiguous company policy.

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 2016-08-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
CITI wo n't provide a paper statement on my account and only emails my statement. It is an XXXX account with a {$50.00} annual fee. I never received the statement, have not used the account all year and when I noticed my mobile app had a message, I looked and I had the {$50.00} annual fee due ... I paid it online and it was 3 days late. They assessed a {$25.00} late fee and interest. When I called, they would n't waive late fee or interest charges, so I said close the account and refund my annual fee. They would n't do that. This is pure and simple stealing! I asked to speak to a supervisor ... None were available, but I was assured a SUP would call me within 24 hours ... That was a lie! I never heard back ... Just got a XXXX email saying late fee will remain and to pay my bill!!

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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:
My interest rate has increased from 6.00 % to 7.4 % in a matter of a year an a half. Navient also continues to decrease my autopay amount making this a never ending repayment process. I have approximately {$10000.00} taken out from a different servicer and have only {$2800.00} left on the loan and my Navient loan which was {$5000.00} principal is only down to {$4100.00}. How is this possible if I started paying back the loans at the same time. It seems Navient is going to continue to bump up my interest rates so I am never able to pay off this loan. I believe this in unfair business tactics in order to continue to receive money from me,.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XXXX I paid my Macy American Express bill at the Macy store in XXXX New Jersey for {$650.00} with a check. On XXXX XXXX th Macy/Amex went into my bank account and took another XXXX out of my bank account for XXXX which I received. I discovered this on XXXX XXXX. I called the company and they had no record of the XXXX XXXX transaction. I was advised to send all the information from my bank showing their mistake which I did. Since that time after about XXXX or more calls too Macy/Amex customer service this issue is still not resolved. On XXXX XXXX I spoke with a manager who stated he would be able to credit my bank account for XXXX but my account would go into dispute for the XXXX which I paid but would resolve itself and be credited back to my account within 3 to 5 days. It is now 12 days and I my account is still in dispute for the original {$650.00} which I paid to my account. No one at Macy/Amex can get this problem resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
On XXXX complaint XXXX to Citi Mortgage was issued, and I disputed it on XXXX. The response from Citi Mortgage states what is already in my documentation packet. The stated corrections in this response were already in place on my credit report when I submitted this complaint. I provided a snapshot of my credit report with a current status value of " 120+ days past due '' as of XXXX to a current status value of " Pays as Agreed '' on XXXX. I was not disputing the status of the account in this complaint. What I am disputing is the date in the " Date Reported '' field. It should not be XX/XX/XXXX. This was reported back XX/XX/XXXX, and should remain that way to show creditors that this account and issue is 5 years old. The company has not explained why the update to this account even happened XX/XX/XXXX. Why was the current status changed to " 120+ Days Past Due '' on XXXX. If I had not disputed this item, it would still be that way. The status was updated to Pays As agreed after I disputed it XXXX. This mistake has caused me to not get credit and pay higher insurance premiums. I want the date reported set back XX/XX/XXXX so that it is representative of when the settlement and release of mortgage was executed. Having a XX/XX/XXXX date as the date reported makes this appear as a current issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
To whom it my concern My name is XXXX XXXX a valued customer of XXXX XXXX XXXX XXXX Account number XXXX, 15 on time payments of {$530.00}. I am reaching out for help on my XXXX  Kia XXXX bought it brand new from XXXX Kia ( XXXX XXXX XXXX, XXXX Missouri XXXX ) I am the first owner of the vehicle. XXXX Kia is the Only ones to maintenance my vehicle my vehicle is still under the Kia powertrain warranty 10years/ 100,000 miles I have XXXX miles on my vehicle. I also purchased an Extended warranty from XXXX Kia bumper to bumper for {$3000.00}. 
I took my vehicle to XXXX Kia because the check Engine light came on, they test drove the vehicle and said the Engine was knocking but it wasnt when I was driving it, so I told them to replace the Engine because it was still under warranty they said No, they refused to repair the Engine because I missed one oil change & Kia corporate said the same. 
I need help because I have been spending {$400.00} a week on Rental Cars, I fear I will not be able to pay my Car note because all of my money is being spent on Rental Cars and my perfect pay history is coming to an end soon

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 2017-03-29
Company: The CBE Group, Inc.
State: GA
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:
The CBE Group , Inc. has continued to call me in an attempt to collect a {$27.00} debt that is not mine. I have instructed them by mail, email and by phone that the debt is not mine, that they are not to try to contact me further and that I have verified with XXXX that the account and debt in question is not in my name or related to me in ay way. I instructed CBE Group to follow up with XXXX and I also copied XXXX on the letter. The last call today came from XXXX ( XXXX GA ). The person from the collection agency refused to give me their name and continued to try to make a collection attempt even after I had told them that I had request in writing that they were not to contact me further to try to collect on a debt that was not mine. I have blocked numerous numbers associated with CBE Group but they then call at least once a day from a similar but different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
I paid my Citibank credit card bill on XXXX XXXX from my XXXX Bank account. XXXX mailed a check to Citibank well in advance of the XXXX XXXX due date. Citibank said they did not receive the payment until XXXX XXXX, so they charged my account {$25.00} for being late. I called customer service to explain that the payment was sent well in advance of the due date, and there should be no late fee. I asked them to waive the {$25.00} fee. They would not.

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 2015-10-26
Company: CITIBANK, N.A.
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX as I 've done every month for years I submitted a request through the Citi credit card website to pay my bill in full the day before the due date which in this case was XXXX XXXX. On XXXX XXXX I noticed that no payment was deducted from my checking account and upon calling found that they had no record of me submitting the request. I immediately paid the bill on the phone in full. Even though their IT Department can go into their system and confirm or deny any click I made the day I did the payment, they refuse my request to prove that it was my error and not the error of their anything but infallible system. The time this transaction occurred can be exactly identified. I asked to speak to a Supervisor and this has not occurred either, beyond one person who did n't identify himself or leave a call back number leaving me a message. I content that this problem was caused by one of the many constant irregularities of the Citi website and the interest should be waived as it was their fault not mine.

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 2016-11-03
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Bankruptcy

Complaint:
My company is apart of my bankruptcy case that was served with official notification from the federal district court as of 2012. As of today this account is being reported to the credit bureau as negative.

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 2016-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Bank of America credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.

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 2016-09-12
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bloomingdales erroneously put " return to sender '' next to my mailing address so i never received a statement. 
Bloomingdales then put my account to collection I received at least 4 robo calls a day from collectors in florida and ohio for a month Finally i was able to speak with seveval managers in the credit department who notified me of Bloomingdales error I was promised a hard copy by mail for about a month before i received it as i said i need to see a statement before i pay a bill

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 2016-08-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
there is a negative account on my credit reports from macy 's ending in XXXX that is hurting my credit score which i need removed. Its difficult to acquire credit for me with those negative remarks.i have hired a law firm to represent me in order to remove it but they refuse to.Next step is to complain to the better business bureau regarding this incident. Unless they agree to remove it from transition and experian ill take down my complain

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 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX children submitted a Power of Attorney form to the Bank of America office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XXXX XXXX. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify and that I an offer bonus code was never attached to my account. Now I will not be getting {$400.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to. 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.

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 2017-01-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a XXXX dollar student loan debt that Im unable to pay right now and they left a error on my credit report on missed payments from XX/XX/2011 that was defferred cause I was unable to pay. I will like this issue to be resolved by gettting a better repayment plan without being charged interest and also fixing and taking out the XXXX missed payments from the XXXX credit beaureas from XX/XX/2011.

Company response to consumer: Closed with explanation