BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 there were XXXX ( XXXX ) unauthorized ATM withdrawals against my checking account and another XXXX ( XXXX ) unauthorized ATM withdrawals on XXXX XXXX, 2015. All XXXX ( XXXX ) unauthorized ATM withdrawals occurred in XXXX XXXX, XXXX. I was never in XXXX, I know no one who lives in XXXX. I work full time as a XXXX for XXXX in XXXX. I worked on XXXX XXXX, 2015 from XXXX to XXXX. I could not have possibly been in XXXX for the withdrawals. No one had access to my ATM card and the card has always been in my possession. I did not disclose my PIN number to anyone. The last time I used my ATM card on XXXX/XXXX/15 at XXXX in XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. On XXXX/XXXX/15 I went to the Citibank ATM at XXXX XXXX XXXX, XXXX, XXXX XXXX to see why I had no available funds. I printed out mini statements that showed unauthorized ATM transactions. On XXXX/XXXX/15 I called Citibank customer service and filed a complaint of unauthorized ATM withdrawals. I received a letter dated XXXX/XXXX/15 from Citibank stating that they refused to credit my checking account for the unauthorized ATM withdrawals. I have filed a police report of the theft of my identity and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2016, request to convert my CitiGold account to a Basic Banking account. This request was acknowledged by Citi and I maintained the minimum {$1500.00} cash in the account for the XXXX Banking account, instead of the {$50000.00} minimum for the CitiGold account. After looking at my account today, I see that they never converted the account to the XXXX Banking account and I have been charged {$30.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$120.00}. They refused to reverse the fees and said that there were disclosures I needed to accept in the bank messaging system that I needed to approve for them to convert my account. However, I was not notified of this and was under the impression that my account had successfully converted. They acknowledged my request but could not show me their email of disclosures and stated that these messages drop off after 90 days. I requested they convert it to the basic banking account today, but I would like for them to refund me the {$120.00} in fees they took. I was not properly notified of the unsuccessful conversion.

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 2017-02-07
Company: Navient Solutions, LLC.
State: OR
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:
Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Lending Club Corp
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Lending Club led me to believe that my loan had been approved and then went back on what they said a week later and denied my loan. I first received a preapproved letter from Lending Club in the mail and proceeded to apply. Within minutes of completing the requested information, I was told I was approved, but needed to finish the " checklist '' on my login page. I completed all steps, including providing very senesitive information like my bank account number and sensitive work information. A week later, when I had n't received the direct deposit and had not received any follow up correspondance, I logged back in and the website said that I just needed to call to confirm my identity for the funds to be dispersed. I did this, providing/confirming additional sensitive information by phone, then was put on hold indefinitely until I had to hang up to take a work call. I then received an email, stating they would be calling me by the end of the next business day to confirm some information. Except then later that same day, I instead received another email stating that I had declined for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I requested a two-month forbearance for my private student loan and my request was denied by " the system. '' Citibank was unwilling to consider alternative payment arrangements, despite my recent unemployment and my cosigner being on a medical leave of absence. I have no history of late payments and am not sure how soon I will be able to make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Macy 's has repeatedly asked me to pay money to them that I do not owe them. I paid off my Macy 's credit card in full and they continue to add on fees to my {$0.00} balance. I had the account closed, and even after this, Macy 's claimed there was interest due on a residual amount. So I paid this amount. Then Macy 's continued adding fees onto a {$0.00} balance. This has continued for two years. They repeatedly call my parents to harass them over this " debt '' even though I have repeatedly informed them that I do not live with my parents. I have no account open with Macy 's, I have not bought anything with the card I previously had, and Macy 's continues to add on fees to a non-existent balance on a non-existent account. I have spoken with Macy 's numerous times and told them I want any account I have with them closed, and they told me my account was closed.

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 2015-06-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Issues regarding Citibank credit card and autopay as they continue to withdraw money every month out of my checking account to an unknown account they can not locate. Initially they told me I can not remove my name from account as an authorized user and Since I was an authorized user, they are unable to assist me in finding or removing this auto pay. Money continues to come out of my checking to date. I am going to have to close my long standing checking account to fix this mess of unauthorized charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
There was a hard pull ( inquiry ) made by CBNA ( Citibank national association ). I do not have an account with this company nor did I give them permission to pull my credit report as well. This event has unfortunately caused a drop in my credit score and I would like this hard inquiry removed from credit report as soon as possible. Thank you.

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 2016-11-21
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Other

Complaint:
I have requested XXXX XXXX to run a credit report to conduct potential refinancing of my home mortgage. They ran that inquiry on XXXX/XXXX/16. That inquiry showed XXXX other inquiries, XXXX from a XXXX source on XXXX/XXXX/16 and another from a CBNA on XXXX/XXXX/16. I did not request and am not aware on a request by me for either of these XXXX inquires. I want them removed from my credit report.

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 2016-11-24
Company: HW Holding, 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:
The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have not received my billing statement since XXXX XXXX. The statements are not available online either. Because of this I did n't get any notice that my escrow has increased. I contacted them on XXXX and XXXX. However, I 'm still not getting my billing statements. On XXXX, they sent me a bunch of estimates they made on XXXX, for what I will have to pay on XXXX. However, these are not close to being accurate. On XXXX, I called them XXXX about this. The XXXX time I called on XXXX, I requested the supervisor. After waiting 30min, they told me the supervisor will call me back within 24 hrs. I never received a call from the supervisor. When i called on XXXX, I discussed another issue I have with a XXXX account. They took out extra amount from my escrow. Also, the XXXX they sent me has an incorrect Mortgage Insurance premiums section. They will have to resend that to the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Issue: Other

Complaint:
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

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 2018-05-26
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My servicer is Granite State Management Resources ( GSMR ). First, they removed the checkbox for " Do not advance payment date '' from the online payment interface, so that overpayments were automatically applied to future payments, rather than to reducing principal. In order to access the option, you had to make a double payment. Then, the removed the box altogether, even for more than double payments. In order to have your payment applied to principal, you had to follow up with an email through their online " Contact Us '' form. Then, several days later, they would reapply the payment to principal. They did not allow you to make this a permanent request, you had to follow up after every payment. After making my payment today, I attempted to follow up online through their website, but the online contact form is now gone. You have to follow up by phone ( M-F, XXXX XXXX ; conveniently, I am on XXXX ), mail, fax, or they now have a " Visit Us! '' option with an address in New Hampshire. Really?! This is ridiculous. I have been trying to pay off my loans as soon as possible, but GSMR keeps increasing the difficulty to do so. When I have spoken with the servicer on the phone, I have always questioned these changes, and requested that they reinstitute the options that make repayment easier and simpler. They are not interested in this feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.

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 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX, and I have been working with Bank of America 's home loan team for the past few months regarding a refinancing of the home loan for my second residence down in XXXX, FL. 

My loan application was rejected by BOA on XX/XX/2016 due to the % the of investors in the complex being above some predetermined threshold set by some agency. 
My frustration in this whole process is three-fold : 1 ) At no point during the home loan process was this ever identified as a potential risk. I would think that the loan originator ( XXXX ) or someone in loan processing ( XXXX/XXXX ) has done a cash out refi on a multi-family dwelling, and they would know that this was a potential issue. 
2 ) My closing date was pushed back 3 times and I was informed of the rejection the day before my 3rd closing date. This has left me absolutely scrambling as I am now having to start this whole process again nearly 3 months into it. 
3 ) When I was informed of the decision, no one from BOA advised me as to alternative solutions nor what the next steps are from here. XXXX provided me with the bad news, and she committed to connecting with me that week to discuss if there were any other options available to me. I have left dozens of emails + Voicemails with XXXX, XXXX, and XXXX since XX/XX/2016, and none of those individuals nor anyone from their team has responded back to me. 

I have been a very loyal BOA customer for over 15 years, and I have never had such a negative experience with this organization as I have had during this process. I have spent nearly {$1000.00} on appraisals and fees with nothing to show for it. 

I financially support my XXXX mother, and the money from this loan has been earmarked for her medical expenses. We are now having to delay appointments and treatments until I figure out a financing option ... .all of this occurring during the holidays. 

It is equally maddening that BOA states that customer service is a priority, and all of these individuals ' voicemail indicate that they will return the call within one business day.

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 2015-04-17
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since the complaint I filed re : CitiFinancial, I have now received another letter dated XXXX of an intent to foreclose. There was never a formal letter from them stating they denied the loan modification submitted by the housing counselor. They now want {$15000.00} to stop the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir or Ma'am Our names are XXXX XXXX XXXX XXXX and XXXX XXXX. We applied for " Making Home Affordable " Home Loan Modification '' XXXX 2015 as we are experiencing financial hardship and responsible for XXXX of our sons who has a XXXX. We have been in our home 7 years. Our Mortgage is with CitiMortgage Inc. through Department of Veteran 's Administration VA Home loan. Citimortgage loan number XXXX. We have not received a decision on our Home Loan Modification application. This week we received notification of being referred to foreclosure. Just checking to see what options may be available to assist us in staying in our home. 

Sincerely, XXXX XXXX XXXX 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