davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (AL)

Sent from my iPad Begin forwarded message : Good evening my name is XXXX XXXX, the reason for this email is .I purchased a vehicle last year in XXXX from XXXX, although I was n't approved the first day .My salesman called me the next morning stating he had gotten me approved for a 2013 XXXX XXXX .Since having the car it 's been in the shop three times, then when I called today because of the payoff amount .I found out west lake is charging me an extra XXXX XXXX dollars in interest, plus I 'm going to end up paying XXXX XXXX XXXX dollars for a XXXX .Now I will take the blame on my part for not throughly reading every word of that contract .Yet I was never told by my sales man, that I 'd have to pay that much and he never informed me that I had the options of choosing any vehicle that fell in that amount .When I try and trade the vehicle in, I ca n't because of the negative equity in the car, and no one will refinance because of the price .So pretty much I 've been throwing money away because I 'm still owing XXXX after paying a year .Ive paid almost XXXX $ into that car and every dime has gone toward interest of XXXX $ a day .If I would have none any of this, I would have went to a buy here pay here .I have read all the negative reviews on XXXX, also on the consumer affairs web site about west lake .I serve XXXX XXXX and I do my best to treat others the way he instructs me too, He claims he 's helping the consumers, Yet how can you say your trying to help people that have bad credit, when your charging them XXXX $ in interest. I got this car for my wife so she could get back, and forth, now it has caused unexplained XXXX in our marriage .Im so upset seeing how people can have billions of dollars by hurting others He should be featured on XXXX XXXX. I thought by paying each month for a car note that is due each month, that I 'm paying on time yet I learn today each day after the XXXX, I 'm being charged XXXX $ a day .Im not going to continue to focus my energy on this matter because regardless of how XXXX XXXX XXXX doing unethical business, XXXX is still in control and he fights all my battles .No! I do n't have a home on the beach or billions in the bank, but I do have integrity and the favor of XXXX .I XXXX some one realize that west lake financial services is not helping anyone but The XXXX.I understand that this is a XXXX crime, and the FBI has more important issues, but the XXXX Massachusetts has sued them .The director of consumer relations has sued them .Yet this con artist continues to steal and deceive hard working Americans.Honestly he is worse then XXXX, please please look into this company, have a blessed day Sent from my iPad
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (IL)

I withdrew a cash advance from credit card XXXX/XXXX/16 for {$1200.00}. The fee for the advance was {$60.00}. I have a 0 % introductory purchase apr that expires XXXX/XXXX/16, at which time it converts to 23.24 %. Cash advance apr begins accruing immediately at 24.24 %. The minimum payment for the account was {$25.00}, due by XXXX/XXXX/16. On XXXX/XXXX/16 I made a payment for {$1300.00}. They did not apply this {$1300.00} payment to the cash advance. When I called and spoke with them they said they could n't see how the payment was allocated and they would have to escalate it to maintenance to find out what happened to the money. My current statement for XXXX/XXXX/16 shows my cash advance balance as {$1300.00}. There have been no other cash advances made during the life of this account. My promotional purchase apr has not expired yet. At this time my cash advance balance should be {$0.00}, as I payed it off 13 days after opening it.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (RI)

I attended the XXXX in XXXX this past XXXX as a Delegate. The XXXX contracted with certain hotels for each of our state delegations. Our contracted hotel was the XXXX airport hotel in XXXX. We we required to book a minimum of 4 nights at $ XXXX ( double their regular rate ). Most delegates booked from XXXX, but being that I am originally from XXXX I arrived on XXXX & stayed with family. I booked my hotel room from XXXX as I made plans to go directly to my fathers home in New Jersey immediately following the close of the Convention XXXX evening. I arranged to take him to some doctors appointments. The only reason I stayed at the hotel on XXXX evening was because I was required to stay a minimum of 4 nights. Upon checking in I noticed that the hotel had me booked for 5 nights & had already charged my credit card. I brought it to their attention immediately and spent all week communicating with the front desk & general manager to have the appropriate credit issued. XXXX morning I spoke to the hotel general manager to advise him I that I was checking out and would like XXXX room charge credited back to my credit card. The manager became very rude and told me he would not be issuing me any credits. I went ahead and checked out as I planned and advised him that I would dispute the charge with my credit card company. I did dispute the charge several times with Chase and each time they recharged my account simply stating that the hotel said the charge was valid. No one from Chase ever communicated with me ( their member ) regarding my dispute - they simply took the word of the crooked hotel general manager even though I provided them with a copy of my receipt upon checkout that showed a credit for the last night ( {$320.00} ) and my original booking paperwork that shows my original booking of XXXX. The hotel is fraudulently charging my card an additional night and Chase is complacent in assisting them.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase credit card services contacted my place of work, thus jeopardizing my employment. I did not give my employers number nor the written consent to contact me at my workplace. I asked them to stop immediately as this is a form of harassment. They have also contacted me repeatedly at my mobile and work mobile phone during my working hours, at inconvenient times.
Consumer complaint received 2016-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/2016 my wife went into Chase Branch at XXXX XXXX XXXX in XXXX NY. ( this being the same branch both myself and my wife bank with ). 
She was looking to open a new credit card utilizing her sole name and credit. After completing the application and being approved for the card she was " convinced '' to have her husband ( Myself ) as an " Authorized user '' on this account to " gain more points ''. My wife specifically asked to Chase at that time, that this would have no impact or be reported against myself ( her husbands credit ). About 20 days later I was informed by my own credit monitoring company that an account by Chase has been opened AND reported against MY credit showing a balance etc. - I asked my wife about this and she was adamant that the person who took her application at Chase clearly stated that this new card account with Chase in no way would have any affect or be reported to any credit agency against her spouse ( Myself ). 
My wife reached out to the individual at Chase that took her application, who was totally Un-Aware and informed her this would not be reported against any authorized users credit. After speaking to the Branch Manager ( XXXX XXXX ) on XX/XX/XXXX he informed me that he was well aware of this going against the authorized users credit, and WAS written on the form in the small print that my wife had signed and agreed to. His only answer was to close the account against my name and told me it would " Probably '' come off my credit report. - When I asked for a letter simply stating that this account was opened and reported against my own credit without MY authorization he responded with " I can not write a letter ". 
This Branch and the managers at CHASE need to be held accountable and stopped, for opening probably thousands of accounts and having a direct impact on an individuals " Authorized users '' credit without their knowledge of an account even existing. We all know how precious and important it is these days in this credit environment and for Chase to blatantly lie to customers is simply not acceptable. - I am still trying to get a letter from Chase to get this removed entirely from my own credit. The officers at Chase taking such applications who supposedly " Know their Customers '' should have a fiduciary responsibility to their customers to read verbatim the part in the application that discusses who the opening of this account will affect credit wise, be it the main card holder or any authorized user they want to add.
Consumer complaint received 2016-07-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MD)

My vehicle was financed through Chase Auto Finance and when the contract ended, I received my final statement that indicated I owed {$2300.00}. This was my last scheduled payment and the payment coupon stated that the due date was XXXX XXXX, XXXX. However, I received a letter that was dated XXXX XXXX, XXXX from Chase stating that I owed a balance of {$5300.00}. The letter stated that if I called Chase would be willing to settle the account. I called and spoke to a collection representative, explaining that I did not owe {$5300.00}. In addition, I informed the representative that I received my last payment coupon and it stated that I owed {$2300.00}. The representative was not willing to listen and said I had to pay the balance that was in the letter. I informed the representative that I was only going to pay what my payment coupon stated. On XXXX XXXX, XXXX, I made a payment of {$1000.00} and on XXXX XXXX, XXXX I made a payment of {$300.00}. I only owe Chase Auto Finance {$1000.00}. On XXXX XXXX, XXXX, I received a phone call from the National Recovery Department of Chase Auto Finance. The representative was very aggressive and curt while stating that Chase has been waiting for me to pay them the money I owe. I explained the entire situation to the representative and stated that I only owe {$1000.00} and nothing more. I also informed the representative that I had hired a credit attorney and the representative became sarcastic and said they have never heard from an attorney if I have one. The representative wanted my attorney 's number and I informed the representative the my attorney would contact him.Upon hearing my response, the representative became combative and began to harass me, which is illegal. I then disconnected the call. Chase Auto Finance has poor customer service and very rude and disrespectful collection representatives. Chase was recently involved in a class action suit based on harassment and Chase lost. Furthermore, I was included in the lawsuit and received a check from Chase Auto Finance for its wrong doing. I am very upset by this entire ordeal because Chase Auto Finance is negatively affecting my credit report with its false debt amount. I want this false debt amount removed from all of the credit bureaus.
Consumer complaint received 2015-03-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (MD)

Subject : Request for assistance During the XX/XX/XXXX XX/XX/XXXX time frame of 2008, I purchased a new Mazda CX-9. I financed it with Chase Auto. Thus far, I have paid Chase Auto more than {$27000.00} in interest on the loan. The Chase Auto loan was suppose to be for five years ( 60 ) months. Albeit, Chase Auto changed the loan to seventy two months and has now has now informed me that the loan which Chase Auto extended to me that was used to finance my vehicle is now paid in full. Albeit, I still owe Chase Auto more than {$4300.00} in late payment fees. Chase Auto is now charging me an additional financial fee of {$1.00} each day to finance the {$4300.00} that Chase has added as additional late fees. Is this legal? Please help. For your convenience, I have listed my contact data below. 
Email : XXXXXXXXXXXX Residence : ( XXXX ) XXXX Cell : ( XXXX Thanks and out here XXXX XXXX XXXX
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

I signed up for the Chase Southwest Rapid Rewards credit card around XXXX of 2014 with the promotion of XXXX miles and {$200.00} off the flight I was booking when I spent {$500.00} the first three months. I recieved the {$200.00} off and XXXX welcome miles but not the XXXX miles that was advertised. I waited for more than three months but never got my miles that was advertised. I called the company and inquired about the miles. They told me that since it was passed the three months period there was nothing that could be done. They could not even tell me if there was a promotion like the one I saw while booking the plane tickets because they do not keep records of it!! Basically I had no claim of false advertisement by them since I could have imagined the whole promotion. I saw the promotion and that 's why I signed up for it. They are falsely advertising their promotion to get people to sign up. I hope CFBP look into this misleading advertisment by Chase and punish them for taking advantage of their consumers.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MD)

In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NJ)

XX/XX/2015 my daughter contacted XXXX to inquire about pricing about a flight to florida. Unknowingly when my daughter gave my credit card number XXXX considers that booking a flight. I disbuted the charge with Citi Bank they denied me stating I book the flight via internet and I read and understood the rules. Which was false. I called and stated This was a phone call and my daughter was on the phone and she is not an authorized user on my account and I should not be charged for an inquiry only. I contacted XXXX explained the situation they apologized for there agents mistake and explained it is company policy that they DO NOT give cash refunds they give flight credit vouchers. Which they did for the full amount of $ XXXX.on XX/XX/2015. I called Citibank and showed them the documentations and they still would not refund me. I then stated I would like to take this to court and let a XXXX make the final decision which they agreed to do. I also stated I am going make an advance payment of {$2900.00} which would leave only the {$120.00} balance in question. They agreed. Time went by I had forgotten about this until I applied for a car loan. To find out the Citi bank had destroyed my credit because i had not made any payments for 6 mo on the credit card. This is after making an agreement with me to let a court make the final decsssion and excepting a payment of {$2900.00} in advance so there would be no problem with a late payment. 
This is outright wrong to do to me after making an agreement with me also i could have made monthly payments at no cost to me because i had interest free for 18 mo. 
XXXX XXXX XXXX is aware of this matter.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NC)

I opened a Citi AAdvantage card. During the account opening process, the application asked me to create a log in, sign up for a paperless option and then provide a secret word. When I selected Continue to move on, the website said " System Error. '' I tried calling customer service who was not able to identify me or find my application. They transferred me to the application team where my application was found. I was then told that there was " website issues '' or " some applications do n't allow instant access, maybe this was one. '' and to " Please just wait until you get your card and you create on online account. '' My concern remains that Citi is willing to send a credit card by XXXX with no tracking methods to my house in the city where mail is often stolen and the only way to create an online profile is to " try calling back in 24-72 hours when your account goes to customer service and see if they can help or wait until you get the card. Maybe we could also send it to someone else 's house. '' I am concerned that I have no way of tracking the account opening process and delivery of my credit card without putting a hold on the account and potentially allowing someone to compromise the card without me being able to log in and see the account status.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I received a promotional offer for XXXX aadvantage miles if I opened up a CitiGold checking account and made {$1000.00} in debit card purchases and paid a bill with bill pay for two consecutive months. I opened the account online using promotion code XXXX. Even though it has been over 90 days since I met the requirements, I still have n't received my points! As you can see in the attachment I provided, Citi has even confirmed that I met all the requirements. They said I would receive the points by XXXX/XXXX/16, and they have n't deposited them into my aadvantage account yet. I think that Citi Bank has lied to me and pulled a bait-and-switch tactic. CFPB, please help me correct this problem.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Hello, my name is XXXX XXXX. 
Back in XXXX XXXX I have received a paper promotion from Citibank ( Citigold checking account ) which offered XXXX XXXX when you meet certain criteria : 1. You currently must have Citibank / XXXX XXXX credit card ( I had it since XXXX XXXX and it 's still active ) 2. You must make XXXX or more bill payments within 2 consecutive months ( I made XXXX ) 3. It must be a first time Citigold account ( it is, never had XXXX before ) 4. Must spend $ XXXX or more within 3 months ( I spent {$1.00} in 30 days ) 5. Must apply before XXXX XXXX, XXXX ( I applied either XXXX XXXX or XXXX ) 6. Must have XXXX account ( I have XXXX, it 's still active XXXX ) Account was opened at the Citibank branch XXXX in XXXX, NY and the rep told me she sees that I 'm eligible for that promo. 
So they promise that 2 months after doing all that I should be able to see my XXXX which never happened. I started XXXX investigations and they keep saying that unless I show them that piece of spam they sent me in XXXX they wo n't help with miles. Branch manager couldnt do anything either. I see a lot of people have complained about it XXXX so you guys are my last hope. 
I have attached XXXX latest statements of my XXXX XXXX account where you can see there 's no XXXX bonus.
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.
Consumer complaint received 2015-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I have recently been informed that there is negative information reported by CITIBANK, CALIFORNIA in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' on XXXX/XXXX/2015 ''. 
I am unaware of ever having an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' from this bank. I have several accounts including credit card accounts with CITIBANK that are in good standing and I 've banked with them over XXXX years.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I opened a checking account with CitiBank on XXXX/XXXX/XXXX in response to a promotion that I had received. The promotion said I could earn {$400.00} by depositing {$15000.00} and maintaining that balance for 30 days and keeping the account open for 90 days. I decided to close the account on XXXX/XXXX/XXXX ( 99 days after opening it ). I called Citibank to close the account and confirmed that I had met the requirements to receive the promotion. When I received the close-out check, it did not include the {$400.00} promotion. I contacted Citibank which told me that I had met the requirements and that the promotion had been set to be credited the day that I closed the account, but by closing the account, I could not receive the promotion. I escalated my call to a supervisor who forwarded my complaint to a department. This seems like a classic bait and switch. I funded the account with the required amount of money for the required amount of time and yet Citibank has not upheld its commitment.