BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a car from US Bank initially on XX/XX/XXXX. 
The lease is close to maturity and I wanted to exercise my options of either buying the car from the Bank or trading it to a dealer to get another car. 
To make that decision, I wanted to know the ( 1 ) payoff quote that I would pay if I bought the car or the ( 2 ) the amount a dealer would have to pay US Bank to arrive at the trade in value of my car. 
I called US Bank on XX/XX/XXXX and again on XX/XX/XXXX to get that information. I spoke with XXXX of US Bank at XXXX at XXXX. While they gave me my payoff price they refused to tell me how much the dealer would have to pay them to payoff the car. I asked to speak with their supervisor. I was kept on hold for XXXX minutes after which I was told that the supervisor will not talk to me. 
They maintained it was their policy to not let the consumer know what the dealer would have to pay to payoff the car. As a consumer, it is important for me to know how much the dealer would have to pay the bank so that the dealer does not manipulate the trade in value of the car. 
Citing an unknown, unwritten policy which I have never agreed to, US Bank refused to let me know the dealer payoff price. I, as the consumer and customer of US Bank, who initially leased the should have a right to know the dealer payoff price. US Bank is clearly running a scam along with the dealers to rip consumers off. 
I am writing to seek help from the CFPB to have US Bank provide the dealer payoff information for the car which will impact my trade in value. I also request the bureau to implement rules to prevent banks from engaging in such hideous policies so they can not run such scams with dealers against consumers. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX/XXXX/2016, I had applied to open the XXXX XXXX XXXX credit card through American Express. I had applied for this card directly due to the promotional mailer that they had sent me prior. This mailer had promised XXXX XXXX XXXX after {$2000.00} worth of purchases within 3 months of account opening. By XXXX, the total number of purchases had reached {$2000.00}. The terms of service state that the promotional points would be posted within XXXX8 weeks after the spend requirement had been met. It has now been over 14 weeks since then and American Express has still not upheld their terms. 

I had directly contacted American Express at the beginning of XXXX regarding the points via chat. They informed me that I had indeed met the requirements for the points and to now wait. I called again at the end of XXXX, was confirmed that the requirements were met, and then to wait 5 business days. On XXXX, I had again reached out to American Express via phone as the points had still not posted to my account. Again, the minimum requirements for the offer was confirmed to have been met and was told to wait for another 2 weeks. By XXXX ( 14 weeks after the requirements were met ), I had called American Express again and reached XXXX. He confirmed that once again, the requirements had been met ( this is the 4th confirmation directly from American Express ) and to now wait another 2 weeks. 

In two weeks, I would have waited a total of 16 weeks. This is twice the amount of time that American Express ' terms of service and contract regarding this promotion states. 

I have been a loyal customer to American Express. This business practice is unacceptable and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had contacted Chase Bank to dispute a charge against a merchant, in this case a garage, XXXX in XXXX, NY, for services not provided to my vehicle. I had tried prior to this to work with the merchant who was not being agreeable. On XX/XX/XXXX, Chase XXXX a provisional credit of {$300.00} as they said they would conduct their investigation. 
On XX/XX/XXXX, I received a letter from chase stating that the {$300.00} " transaction was correct '' as originally billed by the merchant and " the funds [ relating to my dispute ] will be removed on XXXX/XXXX/XXXX. '' My concern with Chase 's investigation is I never had an issue with the transactions ; my issue was with services for repair not provided on my vehicle. On XX/XX/XXXX, I called Chase Bank 's customer service and spoke to a representative, who reviewed my case and said the reason I was not eligible for receiving funds was the original charges, I was disputing, were from XX/XX/XXXX and it had been past 120 days so I was not eligible for reimbursement. 
The reason this had taken so long is due to the back and forth in dealing with merchant who had not been forthcoming in coming to an agreement, my recourse was filing a dispute through Chase. The Chase representatives have not understood my dispute or taken into account my willingness to try to work out the dispute with the merchant and the weeks that went by to try and work out the situation with the merchant. 

I have used multiple payment methods, usage of my Chase debit card and my XXXX XXXX debit card to pay for the work on my car. XXXX XXXX ' final decision is still pending at the time of me writing this summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a Mortgage with Chase Mortgage for a few years. In XXXX I received notice that my escrow payment was to be increased. If not, my payment would be increased {$280.00} to XXXX. I made the payment on the escrow shortage on XXXX XXXX 2015. In early XXXX I received a letter from Chase in the mail that my new payment would be increased by this new amount ( to XXXX ) There was no acknowledgement that they had received the escrow payment or otherwise why this was. I called Chase on or around XXXX XXXX to ask for clarification. I went through XXXX sets of menus and talked with XXXX people, XXXX of whom was XXXX. I ended up talking with a woman whose name I did not record. This woman tried her best to insist that I now owed the amount of XXXX, but in the end could not explain why, even though she put me on hold for around XXXX minutes while she talked with a supervisor. When she returned, she again tried to explain but could not. While I had informed this woman that i was about to be late to work and needed to conclude, I was on hold for a long time, spent XXXX minutes with her letting her try to explain why the payment was increased ( but in the end could not ). n the end I spent nearly an hour on the phone, She told me that my payment would increase to XXXX in XXXX, but could not exactly explain why that was either - given that I 'd paid the escrow shortage in full ( I have made the increased payment of XXXX for XXXX ). She finally promised to find out and call me back. In the end - even though I had made it clear that I could not spend much longer, due to my attempt to accommodate Chase employees attempt to explain ( which they could not ) and the long hold periods - I was late to work and the cost to me in idle workers and other consequences was close to {$700.00}. As of today I did not receive a call back, but did receive XXXX robot calls saying I needed to call on an important matter. I called Chase back and spent nearly XXXX minutes during lunch with XXXX ( spelling is XXXX ) who tried her best to tell me why Chase wanted a payment of XXXX in XXXX, even though the escrow shortage payment that Chase requested had been made in mid XXXX, which she confirmed, and that the other payments that I had been required were also received. She also told me that Chase had received the XXXX payment ( which is the amount that had been required before now ) but not applied this payment because I had not paid the full amount. In the meantime, for " late '' payments Chase had assessed me {$170.00}. After XXXX minutes of trying to explain - and insisting that she was giving me the answer - she told me she was not qualified to explain the answer to this question and would send me to someone else. At this point I had to return to work and ask her to try to call me, She said she would.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: MLD MORTGAGE INC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016, the following ACH transactions were debited from my account : ( 1 ) XXXX $ XXXX ; and ( 2 ) .XXXX XXXX : $ XXXX. On XXXX XXXX, 2016 and per Bank of America 's email of a transfer alert, {$500.00} was transferred to my account. At the time the {$500.00} transfer was deposited in the account ( and received by BOFA ), the status of the transfer as well as the ACH transactions were " processing '' according to my online banking transaction screen. On XXXX XXXX, 2016, I received an alert from BOFA stating that my account is overdrawn and I was assessed a fee of {$70.00} ( {$35.00} per transaction ). Upon discovering this fee, I called BOFA and spoke to a representative ( XXXX ) about this matter and was told that I did not have sufficient funds. I then asked about the {$500.00} transfer that would have covered the ACH debits however, the representative just repeated her previous statement and stated that BOFA can not process funds on the weekends. I was able to see that the {$500.00} was posted to the account on XXXX XXXX, 2016 but was " processing. '' BOFA decided to post the ACH debits and did not use the {$500.00} transfer deposit to apply to the ACH debits that were also " processing '' during the same time period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase charged {$5000.00} in unneeded overdrafts things like charges going through twice can you demand that Chase open a new account with the XXXX in the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: FCI Lender Services Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX had a repayment plan in place when her loan was transferred from XXXX Mortgage Servicers to FCI Lender Services. FCI failed to honor the repayment plan approved by XXXX, and moved the homeowner to foreclosure. 
XXXX sent an email to FCI confirming the repayment plan, and FCI still failed to honor the plan approved by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
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:
Navient is not applying payments that are made to my account. I am regularly incurring late fees and am afraid my credit is being affected as some payments go over XXXX days before reaching a resolution. I have once paid my payment, including large fees, via phone because I received late-payment calls only for my on-time payment to be applied a few days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened a credit card through Costco for my business. It was run by XXXX XXXX. It was a new credit card so the billing date was new to me and I was late in some of my payments by a day or maybe up to a week but I never missed a payment. They are now charging me an outrageous 29.49 % interest rate on my account balance of {$24000.00}. 
Now that Costco has purchased these accounts from XXXX XXXX and now run them through Citi Bank they are still insisting that I pay the 29.49 % interest rate. I thought that the new laws protected customers if they were a few days late on a 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 2016-08-09
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Dates from which the debs run are dates the third party collection agency purchased the debts and NOT the dates the debts became delinquent. when I contacted them they would only say " no comment ''. These erroneous dates are nearly TWO years after the original delinquencies occurred. The original creditors refused to negotiate terms for payment with me. 

The collections agency is Midland Funding LLC on two debts, one from " XXXX ''. and XXXX from " XXXX '' on both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: Lenox Financial Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.

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 2016-11-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
Since XX/XX/2016, I have had issues with XXXX merchants for services/products not received. I disputed the charges on multiple occasions to have them reversed. I also submitted documentation to the fact. CitiBank has willfully neglected the information I have provided and allowed by account to go into a state of applying credits to disputed items. I requested my account closed on several occasions and was denied.

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 2016-09-23
Company: CITIBANK, N.A.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had enrolled in a College back in 2008 and the school signed me up for this loan from a private lender. I did not fully understand what it was I was enrolling in and now I have had a bill from CitiBank Student Loans on my credit report since 2008. They then transferred the loan to another creditor and so I would like to dispute having these collections on my credit report. This is illegal as far as I am concerned and i would like to get some help resolving this.

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 2015-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Cash advance

Complaint:
1 - I have been mislead on by Bank of America Credit Card associate when ordered cancellation of my Cash Advance checks. 
2 - At this point all XXXX checks I want to cancel had not been reaching the bank yet. Also, I did not remember the numbers on my checks. The misleading was done after I had ask if I can skip my credit card cancellation and wait for my checks will come to the bank instead. I was hope the bank can cancel these checks after this request. The associate had agreed with this proposition. He not tell me this way bank can not proceed my request. 3 - by the time when my checks reach the bank my request had been denied. 
4 - All my attempt to resolve this situation with Credit Card company was denied. My main branch of Bank of America help me contact to the top manager through their telephone and later to sign up a complain. But Credit Card department did not take responsibility for their misleading instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute with Case # XXXX on Citi shows that it will be resolved by XX/XX/2021. However, it still has not been resolved and Citi is not communicating anything regarding the case.

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 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
went to the bank and cashed a check that was later found to be counterfeit ... i had no idea it was when it was sent to me ... the bank cleared it and did n't even hold it to just make sure it was n't counterfeit.

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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
I filed complaint against Bank of America refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against XXXX XXXX XXXX from Bank of America. They do not want me applying a credit card with reward points that they do not like my appearance and XXXX issues. I complain against Bank of America that they insulted me in XXXX addresses that they denied my reward point with credit card application because of bad credit record and overdraft records. Report to US Senators and Speaker XXXX XXXX in charging serious requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My husband and I noticed charges made to our credit card account that : 1 ). We did not make 2 ). We did not authorize 3 ). We believe is fraud

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 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Bank of America in XXXX. We went to BOA and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help 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