BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been lied to, strung along, and games by CitiMortgage 3 months ago for XXXX in 2012 XXXX after paying 12 yrs at 5 % ... no help,,, CALL LINE SAYS " IF YOU ARE GOING TO BE LATE '' NEED HELP '' WANT MOD. FOR HARDSHIP AND ASSUMPTION FROM DEAD EXWIFE WHO HAD FIRST IN HER NAME I QUALIFY WITH HIGH CREDIT, HOME VALUE, NEVER LATE BUT NOW XXXX AND THEY LIE, LIE AND POSPONE AND STEAL ... where XXXX is the government??? XXXX ..iM STARTING A CRIME SPREE IF YOU SAY THIS IS LEAGAL ... XXXX YOU DO NOTHING AND THEY DO WHAT THEY WANT TO HURT PEOPLE, I 'LL be famous to Help all people you did nothing for and got a paycheck and Citibank for stealing, lying, and 4 months dragging and excuse and excuse that prevents my XXXX after 12 yrs 5 % I deserve some help that not even going rate and live alone XXXX with XXXX and let them rob me 12 yrs and counting ... FBI and world will hear my story and CFPB is a joke to allow banks to kill people XXXX last reach out for help and gloves are off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: HALLMARK HOME MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home in XXXX XXXX and XXXX went into my escrow to pay property taxes for XXXX. {$3100.00} was paid out which threw my escrow into a negative of XXXX which I am being held accountable for. The correct amount of property taxes was not factored into my loan accordingly. The house was vacant for several years upon my purchase in XXXX. There was also a late fee charge accessed since taxes were not paid on time from XXXX. Exemptions were not filed for XXXX by previous owner. This raised my mortgage from {$690.00} month to {$1100.00} month. I am being held accountable for taxes from 2 years prior to me purchasing the home. I relied on and paid Hallmark Home Mortgage to correctly figure the right amount of property taxes into my loan. They do specialize in HUD homes and should have known to look and see if exemptions had been filed considering this had been a vacant home for quite some time. The error was on Hallmark Home Mortgage and feel they should be held accountable for the refund back into my escrow account. It was negligence on their part to not factor in property taxes as they should have. According to the XXXX XXXX XXXX, XXXX and Hallmark Home Mortgage, there definitely was an error made, but Hallmark Home Mortgage was not willing to correct their error when I went to personally speak to them in 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 monetary relief
Consumer complaint received 2015-09-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my account with Home Depot and made arrangements with home depot to have my monthly payments automatically deducted from my personal bank account. I recently applied for a mortgage and discovered that Home Depot was reporting to the credit bureaus that I have been late every month since XXXX XXXX 8 months straight ). I contacted Home Depot to explain the situation and all they could do was apologize over and over again. I was told that someone should have told me that the past due amount would still be delinquent until the monthly payments pay it off. I informed them that I was not made aware of that at the time of entering the payment arrangement. I asked them to write a letter so that I could send to the Credit Bureau but once again they only offered a verbal apology and said that they could not type a letter. I need this incorrect reporting removed from my credit report so that I can qualify for my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank sent a bill around XXXX/XXXX/15 for XXXX, when I received the bill I called Citibank to clarify mistakes on that bill. Now here were the mistakes, for some time we were carrying a large bill in the amount of XXXX which we were able to pay off on XXXX/XXXX/15. Just prior to paying off the entire bill I disputed two payments of XXXX from XXXX around XXXX/XXXX/15 and told Citibank NOT to accept anymore charges from XXXX and that I contacted them to tell them NOT to submit anymore charges. When I received the bill from Citibank around XXXX/XXXX/15 they had credited my account XXXX but the purchases showed a charge from XXXX on XXXX/XXXX/15 and a XXXX for XXXX and interest charges of XXXX. Bill due XXXX/XXXX/15 for XXXX after the credited amount of XXXX was subtracted. I contacted Citibank to question why they had placed a XXXX charge for XXXX on XX/XX/XXXX15 when I told them NOT to do that. No explanation, I also questioned the interest charges and wanted an explanation as to how they calculated these charges because these interest charges on the bill were confusing and contradicting the way they were written on the bill. Again no explanation. I told Citibank that I would not pay any bill until they resubmitted a corrected bill and gave me the explanations to what I requested. They ignored that request and continued to submit two more monthly bills with more interest charges and late fees totaling now XXXX and Citibank has turned this matter over to a collection agency. I had an attorney involved but due to the small amount of the bill he could not get approval from my coverage to take the case and recommended this course of action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.

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 2016-04-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, I had my wallet stolen with several credit cards. I reported them all stolen, and submitted fraud claims to the issuers. My Macys card had XXXX fraudulent transaction on it. I 've called Macys Fraud Department several times each month since then, and they 've assured me the charge would be removed within the next billing cycle. However, no progress has apparently been made. When I called them today ( after ALL deadlines they 'd given me were past ), they told me they 'd referred the account out to another agency and would n't be able to resolve it for 90 more days.

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 2018-05-26
Company: Google Compare Credit Cards Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
InXX/XX/2017 Google cancelled payments to my " wallet. '' They never notified me until I inquired. To which I was told, via email, they suspected fraud. I was given no way to discuss the matter over the phone or in person. I was told via another support person that my account was being investigated. 

They will not tell me what is wrong or reopen my account. I have {$930.00} US Dollars in the account that I can not withdraw. 

It is very misleading that I can have an account that they can choose to shut down without explaining why and not letting me access funds. 

Goggle wallet/spend is horribly unregulaged and they use and sell my personal information. There is no way to contact them as the " investigators do not have phones, '' as i was told. So what is stopping them from stealing everyone 's money?

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 2015-11-16
Company: Regional Management Corporation
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I continually receive offer letters that include a " loan check '' for $ XXXX {$5000.00} from Regional Finance Corporation of Texas XXXX These letters are unsolicited and include a " check '' that could easily be deposited by anyone claiming to be me. 

These " loan checks '' are charging a XXXX % APR with a mandatory $ XXXX XXXX time fee ' and are incredibly shady about the terms of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home in XXXX XXXX, XXXX with XXXX XXXX XXXX XXXX they charged us bogus closing fees and also did not give us a Good Faith Estimate. Banking and Finance in XXXX let us know that XXXX XXXX XXXX XXXX did not have mortgage license in XXXX.when they refinance us in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX license expired XXXX XXXX, XXXX. We found out from XXXX the lender title insurance company that the lender title insurance with XXXX XXXX XXXX XXXX was still active in place. We had a title search done on XXXX XXXX, XXXX to question the validity of debt with Bank of America. The title search came back that XXXX XXXX XXXX XXXX still has a open security deed on the property.Bank of America claim they own property but according to title search the only thing listed is a subordinate note with the XXXX in the amount of XXXX. Bank of America got XXXX on our behalf from HUD on XXXX XXXX, XXXX to reinstate our loan where we were behind in payments. Bank of America got the XXXX in our behalf and tried to hide the XXXX by taking us out of our FHA loan. Then Bank of America put us into a in house modification to hide the HUD money of XXXX that they received in our behalf. Bank of America to this day still has n't reinstated the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been on XXXX for 3 years. I was never offered lower payments, instead was told I need to purchase a forebarence, I did this several times until Navient told me I was out of forebarence/deferments and Private loans do not qualify for XXXX forgiveness like Federal loans and that my social security XXXX payments would be garnished if I did n't continue paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Citibank taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did ( speaking to XXXX new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( XXXX ) are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again ) XXXX try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. I am XXXX. I keep all my documents etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I purchased XXXX appliances from the Home Depot in XXXX 2015. I used my Home Depot credit card to make the purchase. I 've had numerous problems with the refrigerator that was part of the purchase. Due to the manufacturers inability to fix or replace the refrigerator I was left with no recourse but to dispute the charge to my credit card. I disputed the charge in early XXXX and was told by Home Depot Credit Services that the issue with the refrigerator would be resolved in six weeks or the original purchase amount of the refrigerator would be credited to my account. The six week time period has passed. My refrigerator has not been repaired and I have not received the credit to my account as I was advised by representatives at Home Depot Credit Services. I am now being told that an additional extension has been given to allow for the repair of the refrigerator. I find this unacceptable as this has been an ongoing issue since last XXXX when I first reported the malfunctioning refrigerator.

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 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Bank of America and they said that technically I missed the date because the clock starts after " opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Bank of America agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Bank of America stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Bank of America personnel regarding resolving the issue by issuing the bonus points. I followed up again with Bank of America and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Bank of America has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Bank of America to honor their agreements.

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 2016-09-27
Company: Colony Brands, Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I a writing once again because I was a victim of Identity Theft. I 've been trying to resolve this macys account that I did not open up for years. It 's obvious that someone used my social security number and all of my information and opened up this account. I had filed an identity theft form. Why is it taking years to resolve this. I MYSELF did not open up a macys account. Why is it that macys is same that the account was legitimate. When someone uses all of your information to open up an account it is still fraudulent. I MYSELF NEVER EVER EVER EVER OPENED UP A MACYS ACCOUNT. I should not have my credit penalized for this either. Macys have given me the run around for years. NOW THAT THE IDENTITY THEFT IS FILED I AM HOPING THAT THEY CAN SEE THAT I NEVER OPENED UP A MACYS ACCOUNT AND I WANT IT REMOVED!!!!!!!!!!

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 2016-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America refuses to comply with the Fair Credit Billing Act. 

I mailed a credit card dispute letter to Bank of America. They told me in writing that they got my dispute letter on XXXX.They rejected my dispute and charged my account on XXXX. This is more than XXXX billing cycles. This is more than 90 days. My billing cycle date is the XXXX. 

The nature of my dispute was Billing Error. I demanded clarification. I did not receive clarification.

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 2015-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to file a complaint against Bank of America XXXX XXXX Department. With property value dropping below original Mortgage, Bank of America sold my 1st. Mortgage, knowing that I would not be able to refinance nor get a Loan Modifcation once the 1st and 2nd Mortgage was with XXXX different Lenders. In XXXX XXXX Bank of America received my Loans from Countrywide. In XXXX XXXX I applied Loan Modifcation requesting that the XXXX loans be combined. Not only did Bank of America kept losing my documents, and claiming they did not receive them. But they also claimed no correspondence received, it took until XXXX of XXXX, for them to process my loan. They only process the 1st Mortgage and never process the 2nd Mortgage. But sold or Transferred the 1st Mortgage in XXXX XXXX to another Lender. When I tried to reapply for various programs such as " Make Home Affordable, XXXX, Harp '' or to Refinance I was told I do not qualify because my 1st and 2nd has to under the same Lender, when there is not have enough equality in your property. Bank of America being a lending institute was well aware of what would happen once they sold the first Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2016 I was informed by XXXX that CitiBank made a hard inquiry on XXXX/XXXX/2016 to access my credit profile. Unable to receive any detailed information as to the inquiry via several phone conversations with Citibank, i filed a complaint with CFPB. I had not initiated any applications for credit. On XXXX/XXXX/2016, over 60 days later, I receive a letter stating that they are still unable to locate the source of the inquiry that was made. I then supplied them with a copy of the credit file report showing the inquiry in question along with the last four digits of my social. On XXXX/XXXX/2016, I receive a letter stating that on XXXX/XXXX/2016, Citi had received an application for credit in my name that prompted the inquiry and that said application for credit was denied. Citi states they will contact XXXX and modify the inquiry to a non-display inquiry. This does not fulfill what was requested in the original complaint. I have no copy, nor any details, pertaining to the fraudulent application for credit. Citi states that they will notify XXXX, however I request that they notify all XXXX reporting agencies since it appears on all XXXX, not just XXXX. I also request a copy of the credit application and all other details as to the origin of said application.

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