BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My husband and I applied for a mortgage loan with Citibank XXXX, CA on XXXX XXXX, 2016. We ca n't afford our rent with our retirement income so we looked to buy a condo in XXXX XXXX, FL where real estate is cheaper. We met all the bank requirements, including paying over a {$1000.00}, and then our loan was approved. After two months of waiting for the loan to close, the loan was denied because the condo 's HOA did not have as much coverage as Citibank was looking for. 

The loan was not completed on the closing date of XXXX XXXX, 2016 because of an issue with the HOA coverage between Citibank and the XXXX, but we hoped it would be done by the extended date of closing of XXXX XXXX, 2016. I tried to contact my loan agent, XXXX XXXX, before the second closing date but he did not respond. On XXXX XXXX, I sent him an email to ask what is going on with our loan. No response again. On XXXX XXXX, 2016, I called Citibank and talked to lady named XXXX. She made a complaint on my behalf and suggest I call XXXX XXXX, XXXX supervisor. I left her a message because she did not work that day. Soon after, XXXX XXXX called me - he was very rude, yelled at me and asked me why I complained to his boss. A couple of days later, on XXXX XXXX, 2016, I went to talk to XXXX XXXX in person. She apologize to me and she promised to return our money in seven to 10 days. After almost two month of waiting we have not received any money from them. My husband went to see XXXX XXXX a couple days ago but her coworker told him she was not in the office, even although he heard them talk behind the closed door. 

Expenses for the loan : {$290.00} - on XXXX/XXXX/2016 for condo inspection {$15.00} - on XXXX/XXXX/16 for an application fee ( bank charged our credit card, we approved ) {$460.00} - on XXXX/XXXX/16 for an appraisal fee ( bank charged our credit card, we approved ) {$260.00} - on XXXX/XXXX/16 for XXXX ( bank charged our card, WE DID NOT APPROVE ) {$1.00} - Total expenses. 
I can prove these payments/charges with my bank statement. 

All I am looking for is my money from the list I included above, although this process has cost me a lot of more. I spent my savings to pay off our car loan and our son 's student loan in full, which was around {$20000.00}, as this was a requirement from the bank. I can provide proof of this. Also, my current rent increased by {$200.00} a month, because I had to give my apartments a notice of vacation, again per Citibank 's request during the process of approving the loan. I can also provide proof of this. 

I do n't have money for lawyer, so you are my only hope to get my money back. 

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 monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I was discriminated against when applying for a Costco/ Citi Visa card because our flooded home was in a National Disaster area, and thus my normal credit card expenses were raised due to living in a hotel for 11 weeks ; buying new appliances ; buying new carpets and kitchen flooring ; purchasing new furniture - and yet every monthly credit card billing was paid in full before the due date. Never a late payment. 
Costco decided to change from XXXX XXXX to Visa for their credit card. Not having a Visa, and being a long term Costco member I applied for a Citi Visa card. 
I was denied the Costco/ Citi Visa credit card even though I have no loans of any type, no mortgage, and no debts of any type. 
My complete financial history has never had a late payment on a credit card or loan. 
My FICO score is near or above XXXX with all XXXX agencies. 
Yet I was denied the Costco/ Citi Visa credit card. Supposedly because I used my ( unlimited amount ) XXXX card to pay for the 11 weeks of hotel plus other needed expenses, and yet paid every bill on time.

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 2017-02-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I have been customer with home depot for a long period of time, due to financial issues I had the card close. I am aware of my responsibility that I have to pay the bills in my name. However when the bill was due I drag every change I have in my pocket and everything to pay XXXX $ to meet the requirement of the credit card. I have reached out for help, begged TWICE and was told no they ca n't help me. The representative was not knowledgeable nor empathize my needs of help. I am unemployed lay off, not qualified for unemployment because of company close out bankrupt. So, I have no income until I get a job. There was no empathy he even advise I will rack up late charges and then once it is past due enough maybe i would get help. Thus, jeopardizing myself further into more issues than i am already in.

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 2015-06-15
Company: NETWORK CAPITAL FUNDING CORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a refinance interrest rate offer of 3.5% from Network Capital in XXXX California. After they completed a good faith estimate and sent someone here to do an appraisal another lender sent me an email guaranteeing 3%. I told Network about the other offer saying I think I will go with the XXXX lender. Network immediately said they will match their offer if I could get a good faith estimate proving their offer of 3%.  I told them they should have made that offer from the beginning and I wasn't going to have the XXXX lender construct a GFE just to bring my business to them. Network began very aggressively, to the point of extreme harassment, trying get me to make a deal with them. I finally had to threaten to call their District Attorney's office to make them stop calling me. I told them to give it up. I'm going with someone else. The only thing I need to finish my refinance with the XXXX lender is for Network to transfer the appraisal to the XXXX lender but they won't do it. They are essentially holding MY appraisal hostage so I can't go somewhere else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: WESTERN UNION COMPANY, THE
State: DE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
{$3.00} REFUND REFUSED FROM A FAILED WESTERN UNION XXXX XXXXI MADE A MONEY TRANSFER THROUGH WESTERN UNION AT THE XXXX STORE XXXX XXXX XXXX XXXX, DE ( XXXX ) XXXX MANAGER XXXX. THE TRANSACTION NUMBER SHOWED AS VALID THROUGH WESTERN UNION TRACKING ONLINE. ' '' SEE ATTACHMENT ''. HOWEVER THE RECIPIENT WAS TOLD THE XXXX NUMBER WAS INVALID. AND THEREAFTER IT WAS NO LONGER VALID WITH ONLINE TRACKING. XXXX MANAGER XXXX SAID WESTERN UNION HAS TOLD HER IT HAS CREDITED BACK THIS AMOUNT TO THE XXXX STORE BUT SHE SAYS IT WAS NOT. AND IF IT WAS THE MAXIMUM REFUND I COULD RECEIVE IS {$990.00} ACCORDING TO CORPORATE POLICY AFTER SPEAKING WITH THEM. COULD YOU KINDLY ADVISE ME WITH THIS MATTER. 
MY NAME IS XXXX XXXX PHONE # XXXX. 
XXXXXXXXXXXX I THOUGHT I SHOULD ADD THAT WESTERN UNION TOLD ME OVER THE PHONE THEY COULD MAIL ME A REFUND CHECK BUT IT WOULD TAKE TWO WEEKS OR I COULD DRIVE XXXX ABOUT XXXX MILES AWAY TO RECEIVE A CASH REFUND. I DO N'T BELIEVE THAT AND NEITHER DOES THE XXXX MANAGER XXXX XXXX, DELAWARE.XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account was placed in collections on XXXX XXXX, 2003 and is over 13 years old. I had the account removed 5 years ago from my credit report. Now this old 13 year old account is back 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 2016-12-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT XXXX XXXX 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HOME DEPOT STORE AND PROVIDE ID AND I WOULD BE ABLE TO CHARGE MY PURCHASE. I MADE A SMALL PURCHASE ON OR ABOUT XXXX XXXX. I AM CONCERNED THAT THE DUE DATE FOR PAYMENT HAS PASSED AND I AM NOW BEING CHARGED LATE FEES OR OTHER FEES FOR NON PAYMENT, AND THAT THIS FALSE INFORMATIION IS BEING REPORTED TO THE CREDIT BUREAUS. TODAY IS THE 4TH TIME I CALLED HOME DEPOT ABOUT MY CARD. ALL I GOT WAS THE RUN AROUND. I WANT MY CARD. IN THE MEANTIME, I CAN NOT EVEN CANCEL THE ACCOUNT SINCE I DO NOT KNOW THE ACCOUNT NUMBER BECAUSE I NEVER RECEIVED A CARD! HELP!!!

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 2016-12-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I contacted you several months ago concerning a balance on a citi card. IUI I heard from XXXX almost immediately and got a very satis- fying result. She was very pleasant. But she did not report the result to XXXX and now I still have a bad credit rating and am unable to get a Sears credit card for XXXX shopping. 
Can you please see that she follows through and that my previous good credit is restored. 
the case # XXXX the citi advantage card ended XXXX thanking you in advance for helping me in this regard. 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 2015-05-19
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX of 2015 we sent in XXXX payments for both bills that were due in XXXX. When we submitted the payment, AES applied the payments incorrectly even though they were the exact amount shown on both statements, in which we sent XXXX separate payments so this type of error would not happen. 
We proceeded to contact them when we received a statement for {$0.00}? Not even close to amount we were supposed to have due. We called and spoke to their customer service. They said they would get it corrected and reapply the payment properly. 
We received a collection call a week later. We then came to XXXX they did not correct the issue, we had them look up the account and the person we spoke with said and confirmed it was not applied properly to be fixed and that she would make sure it was done. They then proceeded to tell us that there is a past due amount now and that the correction of this will fix the problem and we would not receive any late fees from their error. 
A week later we received another collection call ... We re-explained the story again which they were able to see their account notes ( why do they not check their notes before they call? ). They proceeded to tell us we had a past due amount in XXXX, which is not true because we paid everything due. Our XXXX payment even as of this date writing this complaint is not even late yet? So any amount being past due is due to their error from XXXX. We escalated to a manager and retold our story again after the last manager was conveniently disconnected. So we are on our XXXX call with AES and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I attended XXXX in XXXX, a 6 month intensive XXXX class that promised job placement as well as lifelong access to continue to attend classes and use the school 's equipment when available. The school closed without notice in XX/XX/XXXX and from what I 've been able to find online, they filed bankruptcy. 
XXXX I have been paying $ XXXX-XXXX a month since I graduated almost 10 years ago and I still owe over $ XXXX. I currently pay my loan to American Education Services who have refused to send me any information surrounding my account, claiming I selected a " paperless option '' for my bill therefore all documentation from them will only be paperless. My original loan was though XXXX XXXX, I do have the original contract if that is helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 I hired a company XXXX XXXX  to move my stuff. However, they did a poor job, some of my important belongings were left behind. I had to ask my friend to assist. Even myself had to carry few things along with my minor. I disputed the transaction with capital one bank. I have been with this bank for many years they ruled against me. Although I provided a detail information over the phone and in writing per their request. Bank should be on my side. I hired the company for 3 hours they only worked for 1 hour and 45 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I had my mortgage with XXXX and they sold my loan to Fay Servicing out of XXXX. I sold my house and tried to get a payoff so we could close the deal. They would not give us a payoff in a timely fashion. They said it would take XXXX days and it would come by mail. We ask if they could fax it, email it, etc. and they said know. It 's been two weeks and we missed our closing deadline. They will not return phone calls. I 'm being blackmailed so they can earn more interest from us. They will not respond to our attorney or return her calls. You should be able to get a payoff on your mortgage or any loan in a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 receice a call from Porfolio Recovery ( XXXX ) every day from XXXX to5 time a day. I keep telling them that the person they are calling is not me. They say that my tel. no. Will be removed. The call keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2015 a representative from MICHAEL J SCOTT PC came to our house to serve us paperwork, first of all my neighbor saw them outside my home taking pictures of our house and automobiles!! this company has not contacted us to arrange any type of repayment plan to solve this situation, we are not saying that we dont owe the debt!! but its not what they are saying we owe, we havent received anything in the mail from them regarding the debt from XXXX XXXX, XXXX!! we are willing to pay the charges that we acrrued but not the balance they say we owe.If they can send us something in the mail in regards to repaying what we acrrued So that we can work toward getting this matter taken care of we would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Performant Financial Corporation
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Due to previous unemployment and then reduced income and high medical expenses for XXXX life saving operations and the need for mortgage modification, my student loans fell into default after exhausting deferments. I thought my loans were being restructured through XXXX XXXX XXXX. I think I was scammed as the loans are now in collection with Performant Recovery for XXXX. Performant contacted me about a rehab program in XXXX 2016. I entered into an agreement, providing credit card and bank account information. They never took the payments and now are garnishing my wages, 15 % of my income. They claimed they called me about needing additional information and another person claimed that they did not need to call me. They had all the information they needed - and I know this because I re-entered into the same agreement today ( XXXX XXXX ). I knew their process was error prone when I reviewed the listed references they had on file, which I updated. I explained that the error was theirs, for {$5.00} per month under the rehab agreement, and that they never contacted me ... But they did contact my employer who now must take 15 % of my wages under the garnishment. This was not supposed to happen at all. I will now be at greater risk of foreclosure instead of mortgage modification, will not be able to pay for critical medical operations and treatments relating to XXXX, can not pay for school and basic living expenses and I could even get fired because of the garnishment. I believe that Performant Recovery operates in a sloppy manner and in bad faith.

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 2016-01-24
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Issue: Arbitration

Complaint:
Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports

Company response to consumer: Closed with explanation