BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was trying to buy a distressed house in XXXX CT using FHA XXXX loan. My lender was AnnieMac, seller XXXX Mortgage represented via XXXX Real Estate 's agent XXXX. Due to excessive scrutiny imposed by the lender I was unable to find a contractor to work on the house in due time and informed about it the lender on XX/XX/XXXX ( 23 days before proposed closing date ). The loan process should have stopped at this point, however the lender essentially forced me to continue by ordering an appraisal and XXXX consultant inspection, {$450.00} and {$500.00} respectively. Eventually we have received a bid from a contractor but it was too late, there was not enough time for underwriting. The seller refused to grant extension, but then asked for $ XXXX!!! fee for delay. My attorney advised me to execute finance contingency to avoid loosing my earnest deposit ( {$1000.00} ). 
As a result of this I was unable to buy a house and lost {$1900.00} in fees ( inspections, appraisal, attorney ). I 'm currently also unable to return my earnest deposit, even though my attorney made every effort for this. 
The lender business practices are completely unacceptable and appear as predatory lending tactics, and led me to major losses. 
Same applies to the seller of the house, which is also a mortgage company - they asked for atrocious fees for extension of closing date and now refuse to return my earnest deposit without even stating any reason. 
The seller 's agent does not return calls, and does not respond to emails. 
Please help to bring the justice here, I have done nothing wrong, yet lost substantial amount of money with no hope on recovery. 

Thanks, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the past 6 months, I have received nearly daily calls from Portfolio Recovery Associates, based in Virginia to collect various debts from " XXXX XXXX ''. In every instance, the call starts with a demand for payment without mentioning who the debt is owed to and only when I seek confirmation do they demand that I share my social security number. I have refused and asked them to provide the last XXXX digits of the debtor. In all cases, it is not my social security number. In fact, in most cases, it is different social security numbers ( not the same XXXX ). They will not share how my home phone number became attached to the debts of different XXXX XXXX or why they can not remove me from their calling list. The agents are quite persistent, unpleasant and unwilling to stop calling. I am writing because I am not a push over, but some more compliant people will be pressured to make payments on debts they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In XXXX 2015 I used my First Citizens online bill pay service to pay several bills. First Citizens returned the bills as unpayable, even though I had more than enough money in my account to pay them. I have made repeated phone calls to correct this, and was told something different each time. Each time I was assured that the problem was resolved and the creditors were paid. I am now getting collection notices from XXXX of the creditors, as well as late fees and damage to my credit report. 

I am attaching my First Citizens bank statement for that month to show a balance of over {$20000.00}, as well as the notice from XXXX of the creditors stating that my bank had denied payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender is Ocwen Loan Servicing , LLC . In late XXXX 2015 I mailed a Qualified Written Request. In that QWR I asked XXXX specifc questions. I received a letter dated XXXX XXXX, 2015 from Ocwen ; neither of my questions were answered. On XXXX XXXX, 2015 I mailed another QWR via cerified mail. Then on XXXX XXXX, 2015 I XXXX again mailed another letter to Ocwen stating that they are in violation of RESPA, and warning them that I intended to file a complaint with the CFPB if the matter was n't resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Credit Card Receivables Fund Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is fraud and I put the letter of the law in a certified letter to Debt collector and have been ignored and harassed for the debt, which is inaccurate and wrong to begin with, I would like debt removed and my credit score prefect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
In XX/XX/2016 I submitted XXXX payments to my Citibank Credit via a Citibank branch for a total amount of {$3000.00} with XXXX {$1000.00} travelers ' checks payable to Citicards. The payments were rejected and I immediately followed up with another payment. I was originally informed that the issuer did not pay the funds and that the checks would be returned. I waited a couple of weeks and when I called Citicards again I was not given a clear answer on when I would be receiving my funds back. I was bounced around different departments with no result. I followed up the Traveler 's Check issuer ( XXXX ) and I was informed that the reason that they did not pay the instrument was because Citicards ( Citibank ) failed to properly endorse the checks and that if they do not have the originals, they were supposed to by federal law to provide me with legal copies. I contacted Citibank again and relayed this new information. I was informed that Citibank destroys checks received as part of their process and I once again voice my concerns regarding my missing funds. I was again bounced around different areas until I got to Citibank 's Executive Response Unit office where I was assured I would receive help. I was informed that they could not provide me the funds or legal copies because they never cashed the traveler 's checks. I informed them that the reason that the checks were rejected was because Citicards failed to process them correctly with the proper endorsement. The issuer XXXX representative is requesting a letter from Citibank or Citicards explaining why they did not properly endorse the checks and why they are unable to provide legal copies before they can take any additional steps. I provided all this information as well as the XXXX Rep contact information and I have not heard back from them in more than 2 weeks. I have sent repeated emails for an update and have left my Citibank case workers ( XXXX XXXX and XXXX XXXX ) multiple messages with no response. Please assist me, it has been over 3 months now and I have lost {$3000.00} due to a Citibank error and they are not providing any viable solution. 
Contact Information : Me : XXXX XXXX, XXXX Citibank Executive Response Unit email XXXXXXXXXXXX Case Workers : XXXX XXXX, XXXX and 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 2015-10-04
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citi closed my credit card account on XXXX XXXX, per their business decision. I understand that Citi has the right to terminate the account per a multitude of reasons - and it was their business decision to do so. 
I had a Citi double cash card - where I get 1 % cash back when in the statement cycle when I make a purchase and get 1 % in the statement cycle when I make a payment. When my account was closed, my rewards were automatically forfeited and I was unable to redeem them. I feel this practice abusive and unfair by Citi - because I could not reasonably avoid it ; Citi closed my account upon my statement cycle and did not allow me to neither redeem rewards on my recently closed statement nor on the statement prior to that. I feel that Citi let me use the card for 2 months - which I used with the intent to obtain rewards - and clearly not making provisions for me to redeem the rewards after they closed the account. 
I contacted Citi to obtain my rewards and I was told nothing could be done. 
I am looking for Citi to give me {$46.00} for the forfeited rewards.

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 2015-12-26
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor Citibank n.a . 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX XXXX XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards 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 2016-08-16
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I have filed a dispute with XXXX XXXX. I now can prove my charges were not real and I have asked you to call me and emailed several times.

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 2015-09-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX, I had overpaid my Home Depot credit card in the amount of {$190.00} and therefore, the card carried a debit balance in my favor for this amount. XX/XX/XXXX, I made XXXX purchases in the total amount of {$960.00}. Within the next 3 weeks, I returned some of those purchases. This led to a net purchase amount of {$280.00}. There was some confusion regarding how this pending overage payment would be applied to my account and balance. After repeated communication with Home Depot was able to resolve this and I made the balance payment of {$87.00}. Home Depot waived all the fees etc assessed while this issue was being resolved. This brought the balance of the account to zero. However, Home Depot still decided to report my account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Item in my credit report are double and older than seven years. Also there are item listed in my credit report wich state that I recently open accounts and thats not true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I previously filed a complaint with you, it is the Case number : XXXX. 
My complaining is about unfair and deceptive business practices. Bankunited is offering in XXXX XXXX accounts an interest rate of XXXX for 3 months and afterwards, the interest rate is XXXX. However, I have a MM account with BankUnited for almost 20 years. XXXX has been lowering my interest rate until 0.3 %. This means that they have been giving me only a half of the return value, or interest rate that they should in relation with other customers. But, the market value of my money is the same as of those they called as " new money ''. This " new money '' is often the result of closing an account and re-opening it again. 
The first answer of my bank was they were unable to locate my account. Then, they said, that there were too many XXXX XXXX and they did not know who I am. 
Today, after 3 months dealing with them and waiting for a solution ... they offered me 3 months rate at XXXX and afterwards 0.6 %. 
I do not need the intervention of too many people or reps and 3 months waiting period for closing my account, sit in the lobby for XXXX min, and re-open my account again with " new money ''. I would like to know if the CPFP is able to provide me any help or assistance? 
I am XXXX and I have enough neurons to be graduated from an university and this " solution '' sound to me as a foolish. 
I would like to obtain your help if possible in handling this complaint. They are excusing behind an argument that customers has to be checking for " bank offers '', but instead, they do change " offers '' at its convenience b/c my XXXX account was openned at an interest rate of ( at least XXXX XXXX or higher. Then, the bank is able to reduce my interest rate without calling me and ask me if I agree or not with this change, but to increase my interest rate I have to be checking " often for offers '' with the account administrators. 
All banks that I know offer a rate that is directly related with the amount of money in the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer to open a Citigold checking account, make bill payments and debit card purchases. This offer was valid until XXXX XXXX, 2016 and had the terms of doing the following within he first 60 days to earn a promotional XXXX. 
Debit card purchases of over {$1000.00} Two consecutive months of bill payments I opened my account on XXXX XXXX, 2016 specifically for this promotion and met these terms with bill payments in XXXX and XXXX and debit card purchases greater than {$1000.00} prior to the 60 days. 
I followed up with Citi in early XXXX to confirm when the promotional miles would post to my account and they responded a week later saying I did not qualify for the promotion, which is blatantly false. I immediately contacted them again and they said they would research the issue and get back to me but did not have a timeframe they could commit to because they are busy. These are classic illegal business practices taking advantage of consumers, including but not limited to : Deceptive advertising Bait and switch Run around I met the requirements of the offer, Citi has confirmed this. I am owed the miles that Citi has promised based the terms and conditions of the signup bonus they offered me, that I have met and included in the attachment to this complaint. I want this resolved quickly without further runaround and delay. 

This is an account that has a $ XXXX monthly fee, so be stalling they are costing me money and opportunity cost for other honest businesses that uphold their commitments to their 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 non-monetary relief
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's credit company card removes your card from automatic payments without your permission. When you setup automatic payments they arbitrarily removes it from automatic payment with no notification or warning at all, so they can charge you late fees. When asked they blame you as the customer saying you should check your automatic payments every month. But how will you know it 's off when you have been paying automatic for years? The purpose of auto-pay is so you do n't have to check constantly or worry about your payments. Your debit card is in good standing and money is in your debit account, only Macy 's decide to take off your auto-pay and not inform you it 's off so you can know what to do. This is some real shady stuff and I am very upset about this. They also refused to waive the late fees even though I have been with them for several years and have never been late once. I spent 2 hours on the phone with a rude agent that made me feel real bad until I had to escalate the call.They made it so two months worth of your bill is due at once. No remorse to fix that. And another issue with Macy 's credit cards is that they charge you interest/fees for paying off your monthly balance on time! Who does that? Penalize their customers for paying off their bill? Yes, Macy 's. It 's all about getting unearned money from it 's customers. Trying to mess up their credit report and just being plain crooks!

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 2015-12-03
Company: Credit Card Receivables Fund Incorporated
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Overton, Russell, Doerr and Donovan, LLP
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a XXXX debt with a hospital in NY state. Due to several other XXXX debts incurred at the same date and time, I was unable to enter into a payment agreement at an amount the hospital requested. They accepted lower monthly payments but stated since they could not create a payment plan for that amount they sent the debt to a collector. Is that allowed even though I have been making payments on the debt to the hospital? 
Also, now that I am able to pay and would like to start a formal payment plan, the hospital staff said they could not since they had sent the debt to a collector, even though they can accept payments on the debt and record it in their billing system. 
The collector has placed a collection record on my credit report, though they do not contact me since in my XXXX contact with them I stated that I was making payments directly to the creditor. Are they allowed to do so? If I pay the debt in full to the creditor, can I have the collection record removed from the credit report since they were never involved with the debt?

Company response to consumer: Closed with explanation