milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Consumer Loan (Vehicle loan) with GFS II, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: My truck was repossessed while I was in the hospital. I was in contact via email with a representative who was made aware of the situation. Upon logging in, it appears that my principal balance has not budged and I have had the loan for over a year. My {$400.00} a month is going straight to fees and interest. This is highway robbery. I have now investigated the finance company further and recognized that others have been victim to this company. They are a subprime loan company in the business of financing cars for higher than they are worth and then repossessing them as soon as they can. They then turn around and auction the car and garnish wages of the customer for the remaining balance ( well over what the car is worth ). XXXX XXXX XXXX and Gateway financial are in the business of ripping off desperate customers who have to get a vehicle right away for work purposes and are mislead. The truth in lending is not honest. I knew when XXXX at XXXX XXXX was having us quickly sign the paperwork that I should have had him slow down. He just verbally summarized each page we signed and I had no idea what I was getting into. I thought the payment was {$170.00} a month ( which would be fair for a used base XXXX XXXX that has been beat and wo n't run for longer than another year if that ). That must have been one of the pages that he literally summarized ( as they were closing at the time ) and flipped the page quickly. I had no idea I was signing for a 5 year loan of {$380.00} a month for this junk of a truck. I am under water in the truck and my finances. I tried to make it happen once I found out the actual monthly payment, but obviously I got a month behind and they just repossessed it even though I was in contact and informed her that I just had XXXX and was in the hospital. This financial institution combined with XXXX XXXX XXXX needs to be thoroughly investigated in regards to their loans. I did n't even think they were allowed to give a loan for more than the blue book value? I am so confused and feeling scammed. I tried to get through it and feel completely bullied and lied to. Now my fiance does not have a truck for work to even make the payments!!! I do n't know what we are going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit card protection / Debt protection

Complaint: I used to have a credit card account with Citi bank and there are many fraud charges on the credit card that never were credit back to me. Entire year os 2014 charges for he credit card citi is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (DC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, below is the previous response from JP Morgan Chase Bank in regards to the initial inquiry : ******* We are unable to locate the CD account with the information you gave us. We are required to keep records of accounts for seven years. However, the information you provided shows the CD would have matured in 2001. The funds may have been considered abandoned or otherwise inactive after a certain period if they were not withdrawn. We can research this further if you can find and send us a bank statement or an IRS Form XXXX for the CD dated within the last seven years. Unclaimed funds are sent to the state of the account holders last known address on record by the bank maintaining the account at that time. You may want to search XXXX and XXXX to see if they may have a record of the CD account. 
********* I have thoroughly researched with the state of Oklahoma in regards to any unclaimed funds. They indicated that there weren't any funds from JP Morgan Chase Bank turned over to Oklahoma in my name. Additionally, if there were funds in such a large amount as {$10000.00} there would be no statute of limitations for how long the state would hold to them. Simply put JP Morgan Chase never turned over any funds on my behalf to the state of Oklahoma. 
Futhermore, I've also checked with XXXX they have no record of any money for me. 

I have been a member with JP Morgan Chase for over 20 years. Not only with banking but with my financial investments being managed by JP Morgan as well. In fact most of my financial needs ( XXXX XXXX military pay monthly direct deposit, credit cards, safe deposit boxes, checking, XXXX military pay, IRA etc ... ) all managed by JP Morgan Chase. During this time I've traveled all over the world with the belief my money was safe. Upon my XXXX as I was going through my old files is when I came upon the original Certificate of Deposit and the receipt showing the funds being withdrawn from my checking account to start the CD. A copy of all these documents was provided to JP Morgan Bank. 

When JP Morgan took over XXXX XXXX  is around the time that the CD records can no longer be located. The question remains, " What happened to my {$10000.00} CD? '' With all this in mind I find it unbelievable and  unacceptable the response and lack of effort to resolve this issue for a loyal customer. A multibillion dollar organization can't locate these funds or account for them? I believe they could if it really mattered to them. It does to me. 

In closing, I'm requesting that my complaint is made personally aware to XXXX XXXX XXXX, JP Morgan CEO, to help resolve this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Consumer Loan (Installment loan) with AQUA FINANCE, INC. (FL).
Issue: Managing the loan or lease

Complaint: In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. 
I have placed criminal charges against the company's owner. The company XXXX that sold me the system arranged for financing thru Aqua Finance Inc. I have explained several times over the past several months that XXXX DID NOT install a Solar system they installed a plane old A/C and air handler system that is connected to a Solar panel that should have never been done. Now Aqua is coming after me for non payment and has placed past due notices on my credit record. I'm NOT going to pay for something that is a FRAUD. Please help me with getting ride of this debit that Ive tried my very best to let EVERYONE know that I didn't get what I paid for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX XXXX XXXX XXXX XXXX reporting on my Experian Credit Report despite disputing via FACTA, additionally A FRAUDULENT and Police Reported XXXX XXXX Account is now reporting incorrectly on my credit report. I have gone to the Police Department and filed the applicable reports and forwarded to XXXX, Experian and XXXX, Experian is obstinate despite receiving the report in BLOCKING THE ACCOUNT! The account is FRAUD and reported to FTC, XXXX, XXXX and XXXX. It along with XXXX must be BLOCKED! PER FACTA DOES THIS CRA FOLLOW THE LAW?

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX   XXXX  USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.

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 08-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: When the company was   XXXX   XXXX  , I had taken out a private student loan with them to complete my medical education. I had taken a loan out approximately  XX/XX/XXXX / XX/XX/XXXX  for {$25000.00}. The loan with interest had ballooned to over {$37000.00}. I have been paying on this loan for over ten years. After all this time, I still owe {$22000.00}. I pay {$230.00} a month. My last payment is scheduled for  XX/XX/XXXX . I have called Navient on a few occasions to see what were my options. The only option given to me was to go into forbearance. However to do a forbearance I was told that I must pay what I recall was a  XXXX  fee. This would only be a few months and I was limited on the number of times in which I could do it over the life of the loan. I believe it was twice.
My complaint is that I have always been on time with my payment as a responsible borrower and I never defaulted on the loan. This company is not willing to help me as a consumer. I am seeking if I can restructure my loan to lower payments and to settle half of my loan and pay it back in a shorter period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello : I am looking at my Credit Report, and there are inaccuracies listed as my addresses. I have never lived in XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for a personal loan with " Citizens One Personal Loan '', during the process I was never asked if I was US citizen or permanent resident, once the loan was " almost complete '', as I have an excellent credit score, they asked me for a copy of my social security number that clearly says " valid for work only '', after providing the document they denied the loan. 

When i call the bank and I asked for a copy of the application where I was asked to confirm that I was us permanent resident or US citizen they denied to send a copy, the bank mentioned that I accepted the terms of the application and that they will not provide a copy of the document. 

When I asked for the terms of the application over the phone, they read them over mentioning that they required " A valid Social Security Number '' as read from the application, when asked the bank representative to clarify where in the application " a valid social security number '' was explained, they said that there was not definition in the application for a " valid social security number '' and neither in the document but they understood it, when I asked why this was not requested to be clear during the process, there was not a clear answer. 

I requested them to remove the hard inquire due to this faulty process which they denied, when as asked for a copy of the application where I could see clearly that I choose any of the requirements " US Citizen or permanent resident '' they denied to provide a copy of the document or support.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from a graduate school with {$95000.00} owed in XX/XX/XXXX. I did n't know about interest rates which was 8 % and was told this was n't bad. I struggled a few years and the loan company was glad to help defer the loan for a few years. 
Since paying it back, I still could n't pay the full amount so they were also very willing to set me up in the IBR program, which I am still in. I have been paying back in the IBR program for 12 years and have probably paid close to the {$95000.00} if not more than I took out but I actually owe over {$180000.00} because of the high interest. 
In XX/XX/XXXX I met a third party company who promised me to get me into the PSLF, or the public service forgiveness program because I work in the medical field and provide a lot of public education and service. I paid them {$1000.00} and switched to another loan company, Navient from XXXX loans who said they would put me in this forgiveness program which is a 10 year program. 4 years later they tell me that I can not be in this program because my business I work for is not a non-profit, and the IBR payments that I had been paying which is forgiven after 25 years and I had been paying for 13 years, started over 4 years ago when I switched loan companies I feel that I have paid a lot ( as much as I had borrowed ), but I still owe twice as much as I had borrowed, and I do not see any clear skies in the future for me. 
Is there any help or advice you could help me with?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Consumer Loan (Vehicle loan) with Eagle Financial Services, Inc. (OH).
Issue: Problems when you are unable to pay

Complaint: I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Wells Fargo/Health Advantage off ered a product satisfaction guarantee as offered by both  XXXX  and  Wells Fargo/Health Advan  tage. If the h  earing aids did not w ork to satisfaction within period then return the hearin g aids and the y would credit the card back and cancel the transaction.     I returned the hea ring aids  to  XXXX   XXXX   XXXX  in  XXXX , TX and notified the company that I returned them. I cont acted Wells Fargo a nd told them. They promised to refund and close out this credit card account.     I never even received this credit card. It was just a promotion wit h Wells Fargo and    XXXX   XXXX   XXXX  that I saw on tv offering 0 % interest for  one year and  product guarantee 100 % satisfaction.     I could never hear or wear the hearing  aids because they  never worked.

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 08/23/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Transaction issue

Complaint: Re : Exxon/Mobil gas credit card - credit price vs. cash price. 
Previously, when I have used our business gas card my regular Mobil station ( s ) has applied the lower, cash price, to the gas card transaction. On XXXX/XXXX/15, while at an unfamiliar Mobil station, I was charged the higher, credit price, for my gas card transaction. 
This seems to be, at some level, a bit of consumer information fraud. The lack of consistency is XXXX thing, the failure to disclose to the consumer is yet the large issue. The consumer has no way of knowing the amount he/she will be charged ( cash or credit price ) when using their Exxon/Mobil gas credit card until starting the actual transaction. 

I 'm surprised this has not become a class-action lawsuit yet. 
Thank you for investigating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX did not follow California Law where a consumer is given the opportunity to dispute a debt. There is now a Collection Status on my credit report, negatively affecting my credit score. In XX/XX/XXXX& XX/XX/XXXX, the account was under investigation with XXXX, but the results were considered 'Verified As Accurate ' after the second dispute.

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