BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchased a XXXX XXXX Induction Range in XXXX. Upon delivery, I discovered that the range top, the glass surface, is not flat, it is bowed in the center from front to back. Sears several weeks later brought a replacement range, but that replacement had the same issue & I refused it. I wrote XXXX letters to Sears : the first to the CEO, and received a reply simply saying " ... thanks for telling us of your problems ... '' but not addressing the issue ; the second, to Sears CITI Credit Card ( on which I charged the range, saying that I did n't think I should have to pay interest charges until the issue was resolved ). I received no response. I then called CITI Bank to discuss the issues - since they issued the Sears CITI Bank MasterCard. They said they could n't help, that I 'd have to talk to Sears. I told them Sears was worthless. The store manager said he 'd give me a financial discount ( I told him I did n't want that, I wanted a range that was properly built and did n't have warped top ). He promised to return phone calls after checking on things several times ; he never called. After XXXX letters and maybe XXXX phone calls, somebody FINALLY told me of a Sears problem resolution center which I contacted. on XXXX/XXXX/15, a technician looked at the range, my level on the top of the range and my pictures of pans, w/ several ounces of water running to the exterior sides of the pans, and he agreed that the range top was defective ; he said he 'd order a replacement top. On XXXX, somebody from Sears called me to tell me they had to change the replacement date schedule for the top. I NEVER was told there was a scheduled date for replacement ; during and after the technician 's visit, I was never given a date for service. I called CITI Card tonight, and they repeatedly told me that they could n't help me, that I had to call Sears. SEARS has been worthless in helping w/ this issue. CITI CARD Services issued this card, via Sears, but they are UNWILLING to stand behind it! I will NEVER do business with EITER, EVER AGAIN! I want them put out of business! I simply want a XXXX XXXX Induction Range with a flat surface ; this is what I expected, paid for and expected. If they can provide it, they must do so - immediately ; if they ca n't, then they must remove the defective product they sold me, cancel ALL charges related to it, provide me just compensation and move my previous electrical range back up from my basement to my kitchen, reconnect it and do so w/o damaging it. This - IS NOT COMPLICATED!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A company called CBNA made hard inquiries to my XXXX credit report on XXXX/XXXX/16 and XXXX/XXXX/2016. I I do n't know who this company is and I certainly did n't give them permission to run my credit. There is no phone number for them on the credit report, just a notation " by mail only. '' The address XXXX XXXX XXXX XXXX, SD XXXX follows. Repeated letters to that address were ignored. I sent one by certified mail, so I know it arrived at that address. 
I must assume that there is some sort of fraud going on, or I would have received a reply with an explanation. I have no way of knowing if accounts were opened in my name, using my credit, without my knowing. I can only assume that they have been.

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 2015-06-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
A few weeks ago I set up a new savings account with Wells Fargo. The savings account was supposed to be linked to my debit card. The representative I spoke with assured me this had been done so that I could access my savings account from an ATM machine. On XXXX XXXX I went to get {$40.00} from that savings account at the ATM The ATM did not allow me to get funds directly through that savings account. It instead routed the funds through my checking account. My checking account did not have the funds to cover the {$40.00} withdrawal, so money was moved from my resulting in a {$12.00} transfer fee. When I called Wells Fargo on Sunday XXXX XXXX, the agent I spoke with went ahead and linked the savings account to my card, and said I should not be charged a fee for the transaction since the savings account should have been linked to my debit card. However I was still charged a {$12.00} overdraft transfer fee on XXXX XXXX. I feel that fee should be reversed since the product specialist who created the savings account for me did not link the savings account to my debit card as she said she did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Issue : MORTGAGE LATES XXXX 2014 showing on my credit report by Wells Fargo Bank. 
Story : XX/XX/2014 my marriage was formally Dissolved by XXXX Superior Court. Case number XXXX XXXX. The settlement agreement 'Division Of Community And Co-Owned Property Exhibit E ' gave asset consisting of Single Family Residence XXXX XXXX, CA XXXX to XXXX ( Former Spouse ). The wording reads " XXXX, CA XXXX and any debt or encumbrances thereon until its sold. If property sold, parties shall divide the net proceeds equally as stated in the body of this agreement ). '' RESOLUTION : Ensuring the ALL MORTGAGE LATES incurred after XX/XX/2014 be removed from my credit report by all XXXX credit reporting agencies. REFERENCE : Wells Fargo loan # XXXX XXXX trust deed, Wells Fargo loan XXXX Line of Credit, Wells Fargo loan XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Claim I took out loan Wells Fargo 2011, in California XXXX XXXX. Had my information but I did not live in XXXX nor have account with Wells Fargo 2011. They called me saying I owe {$400.00}, Wells Fargo can not verify or says I owe any debit. The loan amount was {$400.00}, no interest. Rep would not mail me verification letter, said she would escalate it back to collector

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 2016-12-15
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX I am a long time customer and I am writing you because I just received XXXX packages via US Mail one with a trial period for HAMP because I am behind one month on my home mortgage. This is the one home I own and live in with my XXXX sons. I 've heard horror stories about getting into HAMP then at the end of the trial period get denied and then I must pay the difference right away to then avoid foreclosure. I work for the XXXX and really need your help with this matter, yes we are the little guys but we are your customers that do n't want to be left out in the streets with their children. My hardship began with my divorce as she quit claim the home to me, and I 've raised XXXX my sons on my own, then just recently in XXXX my grandmother passed away and we all had to help with the funeral payments. I was working 10 months a year because I work for the XXXX, but now they finally gave me 12 months employment, which I 'm thankful and grateful. I will consult with my attorney whether he advices me to do the HAMP and I will then let Wells Fargo know. I 'd like to catch up so that I could be current, I just need to know the exact amount which is the month of XXXX and now on the XXXX the month of XXXX. I will pay XXXX at the XX/XX/XXXX. Most of my family have accounts with Wells Fargo and I am begging for your help and attention to this matter, I do n't want to be left homeless with my XXXX sons. My home preservation agent is

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I filled chapter XXXX in XXXX XXXX. Since then our payments have been missapplied. After chapter XXXX was discharged, we received a certified letter from Wells Fargo stating that our loan was 6 month behind. We were at 7.1 % rate. Once I started to work the their loan department to show the prove of the payments, as of XXXX XXXX my loan stmts show interest rate of a 0 %, and each monthly payment that we make puts us behind more, meaning I make a payment it goes against principal but then it adds back to amount due. Now XX/XX/XXXX, per Wells Fargo we are 10 month behind. So every payment we make they missapply. Its been a 8 month battle, no one can give us any answers, our credit history getting ruined..Who can help us?? Please ... I have all the bank stmts for the last 7 yrs showing pmts made. Interest and principal have been missapplied. Please help. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I keep receiving multiple calls on my cell phone and house phone from this number XXXX claiming I wrote a bad check from Wells Fargo in 2006. First of all, if I had written XXXX I would have taken care of it. Second, this is the first I 've heard of it and they said I 've been notified previously through mail. Third, the statute of limitations on bad checks in the state of California is 2 years. My concern is how this company got my information. This is an invasion of privacy. My phone numbers are not publicly listed.

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Reviewed by phone my equity line of credit with Wells Fargo Bank. The recorded information states that on XXXX XXXX, 2016 a " transaction '' for {$430.00} was made. This transaction was not made by me. Nothing was added to my balance. 
Talked with Equity Line division by phone. They did not see this transaction on their computer screens. Went into the bank. They also could not find this transaction. Used my cell phone to pull up my account, handed it to the manager so he could the recorded message. A " glitch '' is what he suggested. 
On XXXX XXXX, 2016 I paid the remaining balance but did not close the account. I did close other accounts but kept my checking and XXXX accounts. 
The is no paper work showing this transaction. I 'm wondering if I 'm the only account holder that has had this experience.

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 2016-09-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
As described in Wells Fargo ( WF ) web site, as a customer I can see the statement for 9 years back, and other services that are important to me. However when I tried to see XXXX checks ( XXXX, XXXX, XXXX ) emitted in XXXX XXXX I was told that the rule of nine calendar years does not apply to the whole calendar year as long as the bank uses a rolling calendar. So, because my request was done in XXXX XXXX the checks are not any more kept. Thus, the information from WF web site is overstated and misleading ; in other words they do not disclose what exactly and how the bank does its business. I do understand that : i ) is not for me to decide how the bank does its business, but it is my right to be clearly informed what I can do in relation with my statements and ii ) is the bank responsibility not to mislead the customers.

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 2017-02-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.

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 2015-11-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX, I have sent the requested documents and they keep saying that they never received them. The loan as been reassigned without forwarding information, new loan options have not been communicated, nor notification received regarding the status of the loan. Messages are left and not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The bank which I have a mortgage with is charging me abusive insurance on top of my mortgage and I was only notified of the insurance policy charges once the amount was already applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I acknowledge receipt of JPM letter in response to claim # XXXX regarding JPM 's failure to disclose the type of loan they were granting and whether or not I had options. 
In search for reducing my monthly payments and since JPM was my current lender at the time after refinancing my loan in XX/XX/XXXX, I approached them to inquire about the loan rates ( since I had noticed that they had been going down ) and shared my need to reduce my monthly payments. I recall the rates to be below 4 % ; however, this was not granted to me indicating that they were not available or something,,,, Chase letter seems to indicate that they did a great job by reducing the rate ; however, in order to reduce XXXX bps of the rate, the loan term increased from 20 years to 30 years after having paid closing costs 2 years before as JPM refinanced my loan in XX/XX/XXXX. Original loan was obtained thru XXXX in XX/XX/XXXX. The loan amount also increased due to new charges,,,, all in all JPM fails to indicate that the refinance did not in effect reduce my debt but rather increased it in every way by total amount of debt and term! 
JPM failed to explain, at the time, that there was a special program from which I could benefit and/or I could go to a different institution. 
Although the documentation presented to me indicates that it was a HARP loan,,,, THIS WAS NEVER DISCLOSED TO ME!! 

I needed to reduce my monthly payments and accepted the terms because I WAS UNDER THE IMPRESSION I HAD NO OTHER OPTION,,,, should JPM would 've been forthcoming with the correct information, JPM would 've complied with its fiduciary responsibility to provide a non discriminatory loan which I certainly feel that it was not the case. 
Furthermore, the malice intent, in my mind, further lies on the fact that JPM 's representative continued their failure to effect proper disclosures by not even leaving signed documentation at closing and later continue to indicate that JPM does n't sell the loans only provide full disclosure of note holder when I press for a copy of the note. 
I have never been late with my mortgage payments and have always tried to pay extra in an effort to reduce the loan as much as I could, even during very financial difficult times. JPM needs to look at their records thoroughly. 

I do strongly request that JPM make it right by reversing the rate to what it should 've have been. 

I need copies of all the signed closing documents for this loan. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a certified letter to Chase on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. By law, Chase did not supply the info within the 31 days required by law validating the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted Chase Bank a few months back to understand how they apply payments, I was told then that that payments are applied to the highest interest balance. Today XXXX/XXXX/16 I was reviewing my statements for the last few months and noticed that this has not been the case so I called Chase again. 
I spoke to a XXXX in their XXXX XXXX TX call center who told me again that payments are in fact credited to the balance with the highest interest rate.. When I told her that based on the information on my statement this was not the case so she then told me that any payment I make first is credited to my oldest promotion balance and the remaining funds to my balance with the highest interest rate. 

this again proved to be wrong based on what I have on my monthly statement. 
XXXX had me on the phone for over 45 minutes and finally transferred me to her supervisor XXXX who also could not answer my question. By then I was on the phone for an hour asking that someone tell me the breakdown of how my payments have been applied but neither XXXX or her supervisor could figure this out looking at various screens on their computer. My question is if Chase employees ca n't figure this out how an average consumer could ever be able to see where their money is being applied to. I asked XXXX to formally log my complaint as I was expecting someone at Chase could get the answer to may question and call me back but I was told that she will log the complaint but that no one at Chase would call me back as they do n't reply to the complaints filed-this just makes no sense-why log a complaint if you are not going to do anything about it. 
I now feel that Chase has been taking my money and applying the payments any way they choose -probably to my lower interest balance so that they can maximize their interest income while causing me, the consumer to overpay interest Their statements are certainly not consumer friendly to allow me in seeing how every dollar I pay is being applied. I have no faith in Chase and their customer service and want to understand as minimizing my interest costs is critical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Chase branded XXXX XXXX Rewards card in 2014. When I signed up for the card I did so due to the current marketing offer that was sent to me for a XXXX point XXXX bonus after the required spend in the XXXX 3 months. I hit the required spend, but I was not given the correct promotional bonus. I called in a couple of months later to notify them and was told that I should see the points show up in the next couple of months. It has now been a year since I first signed up for the card and I have paid my second year 's fee on the card of {$390.00}, but I still have not received my XXXX XXXX point bonus offer.

Company response to consumer: Closed with explanation