BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
On XX/XX/XXXX the vehicle was involved in a pedestrian fatality/ suicide. The vehicle was held as evidence from. XX/XX/XXXX to XX/XX/XXXX. My insurance company did not cover damage or any vehicle repairs, the tow company charged a daily fee which is now up wards of $ XXXX, Wilshire consumer credit title loan is XXXX +. The incident has affected me negatively in many ways related to my mental health, finances and overall well-being.

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 2017-03-09
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Paragon Revenue recently reported XXXX collection accounts on my credit report. I did not received a notice of right to dispute prior to the accounts hitting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone opened a checking account and linked it to my savings account without me knowing and began transferring thousands of dollars ( usually in increments of {$1000.00} to {$3000.00} ) at a time to the checking and withdrawing all my money within the span of a couple of weeks in XX/XX/2021, my account was completely emptied ( {$75000.00} ). I had this account for several years and I only used this account to save my money ( for my retirement ) so there were not many transactions until this happened and most transactions were deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I purchased a stove, washer and dryer from Home Depot. I made the payments on time until I fell on hard times. They called me and set up a payment plan with me. I had been on this plan for over 2 years allowing them to draft my acct faithfully on the XXXX of each month. I called on XX/XX/XXXX to have the draft stopped for one month and agreed to pay XXXX payments XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was told the payment plan would resume drafting again XX/XX/XXXX. When the payment did n't draft on the XXXX I called on XXXX and was told the plan had to get set back up I made a phone payment with XXXX and was told to hold for a certain department. I held, held and the call ended my lunch time was over. I then received a letter stating my payment plan was terminated. I called and spoke with XXXX who then transferred me to XXXX on XX/XX/XXXX he told me the plan was terminated for missing XXXX payments advised my payment were missed, he then went on the inform me there was nothing that could be done as far as putting me back on the plan and my payment was not {$100.00} and no longer {$90.00} and the ARP was back at 26.99.By being on the repayment program I put a big dent in the balance from over {$5000.00} to a little under {$3100.00}. My plan was terminated unfairly and I desire to be back on the plan to get this balance paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these violation. Afni has violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing false damaging misleading information on my consumer credit report.

I have sent a affidavit of fact regarding the laws under title 15USC 1692 and 18 U.S. Code 1341 Frauds and swindles AFNI has violated for attempting to collect a debt. I also mailed an Enforcement action, cease and desist and exhibits proving the violations.

AFNIs consent order requires Afni to take certain steps to prevent future violations and imposes a civil money penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
My Best Buy card which is managed by CitiBank has held my account hostage while it is in their seemingly ongoing " review '' process for over 5 months. I do not agree with the charges and fees that have accumulated on the account due to the fact they would not allow my wife to pay off the account while I was in the hospital. Now they will not let me do anything to settle the account while they hold it in limbo. It has hurt my credit score and impacted other areas of my family 's life. They will not give me any concrete information on my account or any semblance of an idea as to when their review process will be complete.

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 2016-07-27
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
I received at Citicard Visa card when Costco changed from XXXX XXXX. I have not, in two months received a bill and can not pay it. I have misplaced my card so they will not send me an emailed bill. I am waiting for a replacement card to be sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX - Spoke to agent from Discover about a recurrent charge of approx. {$80.00} for a discover payment protection plan that I had never signed up for. 
Per the agent I had this benefit since I became a member ( XX/XX/XXXX ). 
When I asked to please provide proof or documentation that shows that I had in fact opted in this service, the agent said that is not available and that as a courtesy they could only refund XXXX monthly billing cycles. 
I have been charged a recurrent fee since XXXX for something I have never opted in. The company doesnt have proof of me agreeing to this service, and I have been paying for something that shows as a fee on the statement. Its not until one digs deeper that finds that the fee is a recurrent charge for something XXXX never signed up for. 

I need someone to help me. 

I would like Discover to refund me in full for all charges made to the me from the Discover Payment Protection Plan since XX/XX/XXXX. 

I have read consumer news report about fraudulent practices from Discover regarding this topic, and I find myself in the same situation. I have been charged for something I was not aware I was signed into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-28
Company: Solidus Group LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient claims that they had called me several times. After calling my parents who gave them the correct number to call they then began to call anyone who seemed to be related to me. Then today after I 've told them before not to call me at work, they did. I can get fired for handling personal calls at work. The man I spoke to was rude and threading. While the company is opened until XXXX they told me I had only until XXXX to speak to him. After multiple times of repeating myself, I 'm now reporting them because I 'm sure they are doing this to others as well. My other problem is that this man says his name and then straight up asks for my social security number. With this day in age, how do I know who they are. I 'm not going to assume that they are who they say they are just because. Navient has also threatened action on my father. On multiple occasions I 've tried to work with them but they are nothing but awful and mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Me like XXXX students that graduated from XXXX XXXX University located at XXXX XXXX FL is suffering the enourmous consequences of the student private loan nightmare. I graduated in 2008 XXXX and I was never able to get a Job on the field. The school promissed to help students get a Job with promising leads, leads that I never got, I have called many times to the so called XXXX XXXX department to get leads and the only leads I received y any, were internships. My question is how are you supposed to pay {$120000.00} on an internship. The worst thing is that Private Student Loans will not give you a break or come to an agreement, all they need is you to pay a monthly payment that is so high and unrealistic how can someone on XXXX dollar an hour job pay {$1000.00} a month on private loans. Please help I am desperate and tired of receiving collection calls on behalf of Salie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Consumer Portfolio Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a car loan with Wells Fargo Bank to which I make monthly payments from my monthly XXXX payments through the Federal Government XXXX XXXX XXXX XXXX card. 

Their online payment service does not accept the card and I was instructed to call in every month and pay through their customer service department. 

I was making payments via phone for the last several months until this month when I was told by one of their agents that they no longer accept the XXXX XXXX debit card as a form of payment. 

They have refused to make any arrangements or exceptions and expect me now to make physical cash payments at one of their bank locations. 

As I have no bank account, this would entail me making an ATM withdrawal for a fee, having {$300.00} cash in my possession, which I don't feel comfortable carrying around, and the inconvenience of going to their bank every month.

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 2016-08-01
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I received an email from PayPal saying I 'd added a new address to my account. I have not taken any such action ; in fact, I have not used PayPay for several years. I 'm note even aware of the account number I used at the time. I tried to respond to the email and the email address would not let me. I tried the " if you did not make this change '' link on the page and the link does n't work. 
On XXXX XXXX, 2016 I received another email, this time from XXXX asking that I confirm that I added a new address to my account. Again, I tried to respond to the email and the address wo n't let me. 
I haven no idea where this is coming from and fear that someone may be trying to use my identity. The name they 're sending to my email address is not me, as shown in the attached emails ; and the address is in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX University had me sign up for a XXXX XXXX Loan when I was XXXX without giving me any other options. They asked me to come into the location and when I was there they filed a loan request through FAFSA and XXXX XXXX and asked me to sign the paper work. Being a XXXX year old child from XXXX, I had no clue what I was signing up for, I was just happy to start school. Shortly there after I lost my job and could not work or afford my bills. At that point is when I realized what large amounts of debt I was in. I wish I would have been given the option to look into other loans but I was not. I should not have been forced to sign any papers the same day. XXXX ( XXXX XXXX ) should have given me the paper work and details and told me to think it over and research the market because it was a big decision. I was pressured to sign the paper work the same day and told that XXXX XXXX was the only company that would give me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/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 monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost XXXX years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I was charged for an in store purchase of {$110.00} on XX/XX/22 at XXXX XXXX for a purchase which I requested but the cashier refused to provide a paper receipt so I declined to complete the purchase and left the store without the merchandise. The vendor still ran the charge, which posed to my Barclay 's Bank Jet Blue card on XX/XX/22. I initially disputed the Charge with Barclay 's Bank. They asked if I had disputed it with the vendor. I had not at the time, so I selected no as a response. They said try to resolve the dispute with the vendor. I tried to resolve the dispute the vendor, but because I did not receive a receipt, I was unable to resolve the dispute with the vendor. I then tried to reopen the dispute with Barclays Bank US, now that I had followed the instructions provided by the bank to try to resolve the dispute with the vendor and was unable to do so. They would not allow me to resubmit the dispute, and the message I received was that the transaction has already been disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15 I opened a Citigold checking account after receiving an offer in the mail stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I have met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, that I had met the requirements, and that the points would be deposited at the end of XXXX, Citi has pulled a bait in switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done XXXX searched and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. 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 monetary relief
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account on XXXX XXXX under a promotional offer ( XXXX ) that promised XXXX XXXX XXXX miles after completing two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. When I first opened the account, I had a call with a Citibank representative regarding an issue with funding the account ; I was unable to fund the account in the manner that was originally advertised, but she did confirm my enrollment in the promotional offer as stated above. I completed the requirements and reached out to Citibank to confirm ; the customer service representative confirmed that I had met the requirements and would receive my AA points within 90 days. I waited 90+ days and still had not received my points, so I reached out to Citibank multiple times with their response being that I needed to wait longer to receive my points. After many months and further inquiries, Citibank finally told me they would open an " investigation '' regarding the points I was due. The conclusion of the investigation was that I would not be receiving my points despite being eligible under the terms and conditions and meeting the requirements for the promotion. Unfortunately, I did n't save all of the documentation ( mostly secure messaging and chats ) since I was getting positive information from Citibank a majority of the time ( " yes, you 're enrolled '', " yes, you qualify '', " yes, you 've met requirements '', " yes, you 'll be getting your points '' ) and I also did n't realize until it was too late that you have to actively save messages ( most other companies keep messages until they 're actively deleted ).

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