BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a hotel booking through vendor XXXX XXXX on XX/XX/2018 for booking in XXXX. This booking was fully cancelable for refund until XX/XX/2018. On or about XX/XX/XXXX I found out that XXXX was having issues with bookings - so I inquired and decided to cancel my booking. Upon canceling I was told by XXXX   that they couldn't give me a refund at this time. I notified CITIBANK on XX/XX/XXXX that I had a dispute with the vendor XXXX goods and serviced not received. They gave me a provisional chargeback and sent paperwork to be filled out. On XXXX XXXX the provisional chargeback now appeared on my account as a refund from vendor. I called the back as I had just received the paperwork and asked if the credit was a provisional credit or was it an actual refund from the vendor. I was told by a phone agent with CITIBANK that this was a refund from the vendor. I did not have to send in any paperwork. I asked 3 times - are you sure. YES. I also asked my personal banker - and they said it appears I have received a credit directly from XXXX. Early XXXX - my account goes negative and I am told that CITIBANK has denied my dispute and is taking back their provisional credit. I immediately call and explain what I was told. They said I now have to appeal their decision. I appeal and now receive a letter that i have been denied as TOO much time has passed since my XXXX XXXX purchase. If I am correct - according to chargeback rules - you have 120 days to make a claim. My original notification to the bank on XX/XX/XXXX was within the 120 days. It is the internal bank employees that have misinformed me. CITIBANK has records of my call where I was told it was a credit from the VENDOR. This is an {$790.00} charge where I was framed by the vender and then given bad information from my own bank to fight this. And somehow I have no protection? How is this even fair. They should be trying to collect the {$790.00} back from the vendor. Citibank has made thousands of dollars from me from my mortgage, personal banking account and business accounts and this is how they treat a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am disputing the results of Wells Fargo 's investigation into my claims of Predatory Lending and Mortgage 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 2016-05-04
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
I requested a refund from Citibank in XXXX 2015 secondary to duplicate payments made on my Sears MasterCard. I forwarded a written request for and proof of payment of these funds to Citibank on multiple occasions. I have contacted Citibank on numerous occasions since my initial correspondence, but to date I have not been refunded for this overpayment.

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 2016-05-09
Company: ECMC GROUP, INC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been making payments to XXXX XXXX for two years. Today I discovered that another company XXXX XXXX XXXX XXXX is holding XXXX of my student loans. I had no idea. I have had the same email and phone number for 15 years and I have NEVER heard from these people, ever. As a result my taxes were seized leaving me in dire straights. What really makes me angry is that if I had KNOWN this loan was with this company I would have addressed it, I could have had them all consolidated so I can make payments together. Because they have acted in secrecy, by never contacting me, two years after making on time monthly payments my credit score is still suffering and I have XXXX loans in default. I have struggled to get my credit on track and this is a huge set back. Not to mention I actually owe XXXX more than I took out in student loans thanks to insane collection fee 's. I want my loans taken from these people immediately. I want them placed with XXXX XXXX, the company who reached out to me and helped me get this started. I also want XXXX to receive repercussions for their part in this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I used my XXXX card to get the service I needed, but at the time I was n't old enough to have a supplement. They turned this over to collection in record time. I had a XXXX XXXX on XXXX/XXXX/16. They could have made arrangements with me, but chose to affect my credit score, which it did by XXXX points.

Company response to consumer: Closed
Consumer complaint received 2016-05-04
Company: ALCOVA MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
ALCOVA Mortgage, LLC XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX I have been working with Alcova mortgage in XXXX since the beginning of XXXX on the purchase of a home. I was prequalified in XXXX and assured on several occasions that I did qualify for that amount. I went under contract in mid XXXX, nothing was done on my file until the end of XXXX. The process ended up being drug out for 60 days and still no clear answer as to why the loan had not closed. During this 60 days of being under contract, I followed up daily, half the time you could n't get in touch with the loan officers and when I did, I was just fed lie after lie, excuse upon excuse. I did n't really know what was going on until almost XXXX60 days in, when they tell me they are having problems getting an approval from the underwriter. Now I have lost my earnest money and money I spent on an appraisal. Never the less the were very nonchalant about the whole matter. Not caring that I lost money, time, missed out on purchasing a home that I loved. A broker referred me to them. Much to my regret

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Brightfunders, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX I received a letter from XXXX XXXX XXXX stating that they will be taking over my mortgage. I went to the website and tried to make a payment. When it didn't work I called them and spent an hour on the phone but they could not locate my information. I reached out to the original mortgage company, LOWER.COM / HOMESIDE FINANCIAL who said they would make the payment on my behalf, they said I could just pay them, they would take care of the payment, so I paid them. About a month passes, in late XXXX I sent my XXXX payment to XXXX XXXX XXXX  for my XXXX payment, however they applied it towards XXXX, since LOWER.COM - HOMESIDE FINANCIAL never sent the payment as promised from late XXXX. I spent dozens of hours speaking to dozens of people at both Mortgage companies, emailed dozens of times. Now the new Mortgage company is harrasing me with multiple phone calls each day demanding the payment I made but LOWER.COM - HOMESIDE FINANCIAL paid it so late, the new mortgage servicers RECEIVED MY MORTGAGE PAYMENT FOR XXXX ALREADY, but applied it to XXXX. They applied the funds sent from LOWER.COM HOMESIDE Financial to back-office monies that they owed them from the transfer of the mortgage. When LOWER sent the check they did not write in the memo it was for XXXX, the funds were misappropriated, and I have now paid 3 mortgage payments in less than 60 days, XXXX is saying the recent payment is 22 days late, now wants another payment for XXXX. They are doubling down on me and trying to sweep the mortgage payment I made in late XXXX under the rug. The constant phone calls and letters are causing me undue stress and its unnecessary. Its due to the original Mortgage company excersizing deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had an agree settlement with the company to settle my debts and was told that I can submit payments through their online system but when I tried it would not let me. I tried submitting payments twice. I found it strange that after the submitting the payment it would not give me a confirmation and would redirect me back to the beginning of the payment. So I waited till business hours to call for confirmation only to be told that I did not have sufficient funds for my payments an was charged a resubmit fee TWICE. I tried to explain to the representative that this happened because I resubmitted my payment because I did not receive a confirmation code how I normally do. I was then told by the representative that my settlement agreement was cancelled due to the return funds. and all the payments I have worked to pay for is now no longer part of my repayment and I would have to start my settlement over. This is a scam! The representative told me that I would be able to submit payments online but I wasn't and now I have to pay the consequence for misleading information. Trying to do the right things are not paying off. The representatives name is XXXX and his ID number is 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 2017-02-14
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with an online bank called Chime. I had my XXXX savings deposited around XX/XX/2020. Nearly a month after they requested additional info to verify my identity. I logged into the chat to see what was going on and I had a message stating the issue had been resolved so I thought it was over. Days later my account was placed on hold. I sent in the requested documents numerous times only to get request from them for more. Once I sent everything in I kept being told to expect to hear back from them within 48 hours. Never heard back. So I call and complain almost everyday for weeks and try to get it resolved but no one ever has info or can help me and they wont let me speak directly to the department handling my case. I always get the same story, they go through all the emails and ask about this and that and then say okay since everything is there I will escalate the situation and try to get a solution. I waited three weeks after that and heard nothing. I call today and get told my info was being emailed to the wrong email even though I have conversations on email with request for documents and saying to respond directly to that email, which I did. I got the same run around story with no solution offered. I have complained with the company, the XXXX, the attorney general of my state, and the federal reserve and I am making cases with all of them to try and get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXX  # XXXX {$980.00}, XXXX XXXX XXXX XXXX  XXXX {$1900.00}, XXXX XXXX XXXXXXXX XXXX  # XXXX {$25000.00}, XXXXXXXX XXXX XXXX XXXX XXXX Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXXXXXX # XXXX {$980.00}, XXXX Collections Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX # XXXX Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter from Select Port Folio stating my mortgage payment was due for XX/XX/XXXX. Recently I was in a XXXX forbearance with my mortgage servicer. The forbearance ended XX/XX/XXXX, Remitted mortgage payment XX/XX/XXXX, {$2200.00}, XX/XX/XXXX {$4300.00} and XX/XX/XXXX {$2200.00} for a total {$8700.00}. Spoke with XXXX Select Port Folio Collections dept. XX/XX/XXXX. He stated some of the funds were applied to late fees, foreclosure fee and Inspections fees for years of XXXX XXXX. The mortgage was modified for the delinquent payments between XXXX. Select Port Folio never notified me of this, and they were informed all payments were to be applied to the months the mortgage was in forbearance. Select Port Folio is charging XXXX times for fees that have been included in the mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Designed Receivable Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've contacted the company on several occasions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX continues to put on my report information bill for a XXXX cell phone i never owned in 2010 but when i called they wont take it off and they are continuing to send collection bills by collecton agency as well. for {$410.00}. i want this information off my credit reports and have them stop ruining my credit for a phone i never owned in 2010 or had or applied for. there must been someone else trying to get this card under my name or ss number or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX {$6000.00} payment made on credit card account ending in XXXX -- note : funds to pay off credit line was from a term loan obtained on XX/XX/XXXX by XXXX XXXX XXXX in the primary business bank account XX/XX/XXXX Payment Review Letter sent by Wells Fargo and credit line frozen XX/XX/XXXX Called phone number listed on letter XXXX XXXX XXXX XXXX -- representative told me this was the wrong number. Gave me a new number XXXX XXXX XXXX XXXX XX/XX/XXXX Called new number and spoke with a representative who took 20 minutes to transfer me to their manager. Manager then argued with me for 10 minutes and said they were unaware of the letter and everything was okay. Then put me on hold and hung up after over 30 minutes on phone. 

My account has been legitimately paid in full for over 2 weeks now and my credit line has been frozen for no apparent reason and my time has been wasted. This is ridiculous and XXXX XXXX should go to prison for 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 2022-03-22
Company: Mercedes Benz Financial Services
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been getting harassed and threatened by Mercedes Benz Financial Services for the past few months. I have recently received more harassing and threathing communication from them about repossessing my vehicle that has already been paid for with my government created XXXX XXXX XXXX account. I have asked them on multiple occasions for the on ledger and off XXXX XXXX ( XXXX XXXX ) since the beginning of the alleged debt so I can see proof that I actually owe them anything. They will not send it to me because I believe it will show that they have already received payment for the vehicle and prove that they are fraudulently and abusively attempted to collect on an alleged debt. I have also requested the original contract I signed. They only send copies which isn't what I asked for. And what they sent wasn't a contract. A contract is a meeting of the minds signed by both parties and 2 witnesses. I know when I gave Mercedes Benz my social security number it created a trust transaction, which I am the beneficiary of and Mercedes Benz is the Trustee with a fiduciary responsibility to act in the best of the beneficiary. Cleary they are attempting to injury me and cause me stress. Sherman Anti-Trust Law does apply in this situation. 

I am evening will to send payment with an endorsed coupon however everytime I attempted to call the executive team ( XXXX ) to get instructions on how to properly submit they hang up on me or leave me on hold for rudely amounts of time. I have even left messages for team members and they never call me back. 

I really have tired to get this cleared up with MBFS once I understood what took place when I gave them my Social Security Number. However they continue to harass and threaten me instead of doing what is in the best interest of the beneficiary. 

If this matter isn't resolved immediately I will report this to the SEC, FTC, XXXX United Stated Attorney General, XXXX XXXX XXXX  and the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had several inquires reported on my credit report on XXXX/XXXX/16 from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX dealers and XXXX. I have contacted all of these companies via telephone and by letter. They all have informed me that they do not have any information to provide me regarding the inquiry. I have asked Equifax to provide me with information they have collected from these companies. Which I have not recieved. I have asked for removal.

Company response to consumer: Closed with explanation