BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: KY
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 # : XXXX On XX/XX/XXXX I made an online purchase for {$1000.00} from XXXX - reclining sofa, and paid the purchase with my Citi credit card. The merchant made 2 delivery attempts. Both times I refused to take the sofa because it was damaged. After repairs third delivery attempt was not made. I was not able to make any arrangements to get refunded from the merchant. Then disputed with Citibank on XX/XX/XXXX. I received several letters from the bank to provide additional information and I replied to all of them, including pictures of the damages and copies of the delivery documents. Then Citibank closed the dispute in the merchant 's favor despite I dont have the item nor refund. I am very aggravated because Citibank is conducting their investigations careless and they are not protecting their customers. Contacted their executive management team but the answer was the same.

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 2019-12-11
Company: LoanLeaders of America, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Upon searching for a lender that would approve me for a high debt to income ratio jumbo loan, I was referred to Loan Leaders of America , Inc. They advised me to complete the application to determine the loan amount for which they could qualify me. I explicitly withheld my social security number because I didnt want them to run credit and honestly disclosed that my score was in the excellent range. However, they got my social security number from other supporting documentation I gave them strictly for underwriting purposes, eg W2, and ran a credit report without my permission.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01
Company: Avant Credit Corporation
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was approved for a loan in the amount of XXXX with Avant Credit last year around XX/XX/XXXX, however, I just realized they are charging an unusually high interest rate of XXXX % when my credit score was in the high to low XXXX range at time of approval. I do not believe my rate should be so high with that kind of score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Telsa Motors Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As part of our home refinance, we received information from XXXX XXXX that TESLA XXXX had reported an outstanding balance on our account of $ XXXX report appears on my XXXX Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with TESLA Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from TESLA showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at TESLA mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from TESLA to my repeated inquires.

In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by TESLA that is not a current obligation and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear CFPB, Thank you for handling my complaint with Wells Fargo. My complaint # XXXX and after submitting my complaint, I sent a letter to you to add to my file. I see that it did not get added so basically this is what WF replied. 
I had a 30 year loan with 11 years of payment history. My son has been handling this as I have been ill so this is what WF came up with and I believe that this " modifacation '' is not what the HAMP program was thinking of ... but leave it to WF to figure out a way to get them more money and me further in the hole. 
They modified my loan as this : They extended my loan to add another 10 years to it with the same 5.6 % rate and a reduction of my payment from {$1500.00} to {$1400.00}. 
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years, my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan, not the interest. 
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way, this is the only modifacation they are offering. I have no recourse. 

My son signed me up for it, but I am protesting this loan and need your help to get this rectified. 
Since this has happened, and my loan payment is still pretty high, I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan, so I need them to go back to my 2015 paperwork and use that and not request new credit info. 
I actually believe my only way of receiving any assistance is to take them to court. 
Please, if you can help me CFPB ... I would be truly thankful. 
Best regards, 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 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I am one  of the many who lost most of their income due to the pandemic. I have excellent credit but I can't make the huge payments I have been making, so i tried calling Bank of America to get the 0 % rate extended. Since the XXXX are doing this, so should the credit companies. I couldn't get through. The automated system said I could defer three payments but the very high interest would still be charged when my 0 % fee ran out. I had planned to pay off the card by that time, but with the pandemic that isn't possible. The XXXX reported that Bank of America wasn't giving customers an interest rate break.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. Ditech Financial LLC is reporting to them the wrong activity date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
This guy XXXX XXXX XXXX scammed me out of {$4300.00}. XXXX he marketed an advertising scheme to put a XXXX XXXX decal on my car and drive around with it on my car. We first made contact XX/XX/2019. The cashiers check arrived XX/XX/XXXX. I saw the amount and became a little suspicious. I called XXXX XXXX to have the check verified and they verified the funds. I was unsure of it so I deposited using my XXXX mobile deposit to see if it was a good check. It was accepted so I thought it was good to go. He said once its been deposited use money orders and deposit them To the detailers account at well Fargo account number XXXX. I thought that was a lot of money to have my car wrapped and thought I could do it myself. He said you probably wouldnt want to do that because you could damage your car and it you do repairs wouldnt be covered by us. I said well he already sent the cashiers check so I went ahead and deposited the money orders. We talked about the weather and he said it would have to be a warm day and it was currently raining and a little chilly. The next day I didnt hear anything from him which was a Friday. Saturday morning I noticed my account was negative. I called the bank and they said the check had been returned because I endorsed it wrong. I was on hold for 20 minutes and while On hold I started researching cashier checks. It said they are now being used for scams. My XXXX dropped. The rep came back on the phone and told me to mail the check in just the way it was so I did. Monday I went back To Wells Fargo and told them I believe I was scamed. They said possibly and they also said he transferred the money into another account right after the deposit. They said I would have to do a claim with XXXX. They said I needed to do a police report. I called my bank XXXX and they said they didnt know who I spoke with on Saturday but the check came back Fictitious. I did the police report on that Wednesday. In the meantime XXXX refused to do a claim thru Wells Fargo. I felt like XXXX  mobile deposit is not as safe as it seems. And scam artist are using Wells Fargo because it seems it easier to munipulate their systems. The suspect probably had all fake identifications and still got an account with Wells Fargo. The police report came back and they found the suspect in Indiana. They said they had to send the jurisdiction to the Indiana.

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 2020-04-16
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are sending my information to credit bureau XXXX and XXXX it is not a loan they are saying trying to collect debt and when i called my health care provider they told me all my hospital expenses where paid and when i called the hospital nothing is showing that i owe anything,, i have not received any statements but now they are putting a collection notice on my credit bureau ... as of this were a loan ... this is not legal ... and i do not know how they can do this ... i do not owe any debt to LJ ROSS AND ASSOC XXXX MI ... XXXX XXXX XXXX ... please help thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage serviced by Green Tree. In XXXX of this year 2015 It became apparent that my business could no longer sustain my salary. Therefore I elected to go and get another job and put my salary back into the business. I continued making XXXX payment a month but in XXXX I could no longer do this I was only working part time and was looking for a full time job. I called Green Tree explained to them that we had already done a modification and could we do another. I was told it did not matter that we had already done a modification fill out the application submit all paperwork. That is what I did. I faxed in everything. In XXXX I was told we did not qualify because we were missing information XXXX XXXX explained to me I needed to send in back statements and profit and loss from my business. I did. The account was then assigned to XXXX XXXX ext XXXX again I received a letter stating that Green tree needed more information and we missing information our XXXX income pay stubs. I faxed in pay stubs.. In XXXX I called talked to XXXX again our circumstances at my business had changed we had taken on a partner and I would be returning making a salary. XXXX advised me to fill out the application again and send in a letter. I did so. Again, we received a letter stating the modification could not be done due to not turning in information. Each time I received a letter or request I faxed in the required paperwork. After receiving this I called Green Tree and asked for someone in the Loss mitigation department. I spoke to XXXX ext XXXX. XXXX advised me that we were not eligible for a modification since we had XXXX. In 5 months NOT ONE PERSON ADVISED ME OF THIS. XXXX ALSO EXPLAINED THAT WE HAD BEEN SENT THE WRONG LETTER EXPLAINING WHY GREEN TREE COULD NOT DO THE MODIFICATION. I ASKED GREEN TREE TO SIMPLY REINSTATE THE MODIFICATION AND WE WOULD BEGIN MAKING MORTGAGE PAYMENTS. DURING THIS ENTIRE TIME I WAS TOLD I COULD NOT MAKE A PAYMENT. HELP WE DO NOT WANT TO LOSE OUR HOME. XXXX AND XXXX XXXX XXXX LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank widely advertised a promotion offering {$1000.00} to any individual who moved at least {$75000.00} into its bank from an outside source and left it there for at least 3 months. Based on this representation by Chase, I opened a new Chase account and transferred {$76000.00} from an outside bank into this account on XX/XX/2020. Three months have now elapsed, and I have not received the {$1000.00} as promised. I messaged Chase through their website, and they said they can not find a coupon code associated with the account. This sounds like an internal error that should have nothing to do with the {$1000.00} they now owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXXDear Wells Fargo Representatives : Today XXXX XXXX ( working on behalf of me for my loan modification ) informed me that unfortunately Wells Fargo has decided to not help me modify my mortgage so that my family can remain living here. 

I am extremely disappointed and surprised. I have been unemployed since XX/XX/XXXX. XX/XX/XXXX I informed Wells Fargo that I was having difficulty paying my mortgage with Wells Fargo and that I needed a little help. This was the first time I requested assistance. I then asked for a simple deferment or work out program so that I could get back on my feet and find a real job and not only pay my mortgage but also provide for my family. After approximately XXXX weeks and providing all the requested information and documents, I was told that I did not make enough money and your Supervisor suggested that I get a job at XXXX XXXX or somewhere like that and then reapply XXXX months thereafter. I was also told that Wells Fargo does not do deferments. I have relied on my wife 's income, our savings, and borrowed money from family and friends to keep this going. 

The beginning of this year we exhausted most of our savings and again contacted Wells Fargo for assistance. The process began XX/XX/XXXX to find a work out program that could help us stay in our home. 

Almost XXXX months later Wells Fargo decides that we do not make enough money etc. and that our home would land in foreclosure anyway. I really have to wonder why you would tell me this now and not help us. Your representatives knew both times around what we make and we provided you with everything you have asked for immediately. 

Seven years ago I combined my interest only loan with Wells Fargo with my HELOC into a fixed mortgage in order to fulfill my obligations with Wells Fargo and also own my home quicker. This I thought was possible until I lost my job in the industry I have been in for so many years that is pretty much non existent and destroyed. 

My credit has suffered, my marriage has suffered, and ultimately my health has deteriorated. 

Why will you not help good people like us stay in their home? I do not understand this or your approach at all. We have paid you and intend on doing everything possible to keep paying. All we ask for is for some assistance now. The stress that this has caused us is absolutely unnecessary. 


Please help us. We are good people that are experiencing some difficult times right now. We fully intend to get out of this bad situation with your help and land on our feet again. 

My interest rate with you is 10.365 %. Maybe if you reduced the interest rate slightly we could all be happy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a American Express XXXX XXXX credit card. One of the main benefits of the card is you earn 6x points per dollar spent at XXXX prioperties. 

On XX/XX/20, I stayed at the XXXX XXXX XXXX. I used my Amex XXXX XXXX XXXX  card for room charges. I should have earned 6x points for these charges, but I only received 2x points. 

XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX  XXXX  XXXX  XXXX  XXXX XXXX The charges are coded as " sporting goods '' for some reason rather than " hotel ''. This is a brand new hotel, so their merchant payment processing probably wasn't set up correctly, and Amex 's systems didn't code these charges correctly. 

I chatted with an American Express agent on XX/XX/XXXX, and opened case XXXX. They said it should be resolved in 7-10 business days. I chatted again on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and again on XX/XX/XXXX. In each case they said it was under review, and no update was available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information.

It's really affecting my credit score and my ability to get further credit.

Company response to consumer: Closed with explanation